S.E. v. BMO Harris Bank National Ass'n

2025 IL App (2d) 240311 · Appellate Court of Illinois, Second District · February 14, 2025 · No. 2-24-0311

Summary

This Illinois Appellate Court opinion reviews an interlocutory appeal from the dismissal of a claim for intentional infliction of emotional distress against a bank serving as personal representative and trustee. The court examines whether the claims are barred by the two-year statute of limitations under the continuing-tort doctrine and whether the remaining allegations adequately state a cause of action. The court affirms the trial court's dismissal.

Court
Appellate Court of Illinois, Second District
Writing for the Court
Jorgensen; McLaren; Mullen
Jurisdiction
Illinois
Decision date
February 14, 2025
Docket number
2-24-0311
Procedural posture
Interlocutory appeal from dismissal of count I of amended complaint
Standard of review
de novo
Precedential value
published
Parties
S.E., J.E., and B.E. v. BMO Harris Bank National Association, d/b/a BMO Harris Bank, N.A.
Disposition
affirmed

Topics

intentional infliction of emotional distresscivil procedureappellate proceduretorts

Practice areas

tortscivil procedure

Questions Presented

  1. Whether the two‑year statute of limitations bars the plaintiffs’ claims, including application of the continuing‑tort doctrine.
  2. Whether the complaint states a cause of action for intentional infliction of emotional distress.

Holdings

  1. The trial court’s dismissal as time‑barred is affirmed; the continuing‑tort doctrine does not apply to the alleged conduct before June 29, 2021, so only the four acts after that date are within the limitations period and those acts are insufficient to sustain the claim.
  2. The complaint fails to state a cause of action because the alleged post‑June 2021 conduct—changing a trust, altering IRA beneficiaries, and omitting a name on a headstone—does not rise to the level of extreme and outrageous conduct required by Illinois law.

Key quotations

A continuing violation or tort is occasioned by continuing unlawful acts and conduct, not by continual ill effects from an initial violation. (¶ 38)
The defendant is not liable where he has done no more than to insist upon his legal rights in a permissible way, even though he is well aware that such insistence is certain to cause emotional distress. (¶ 53)
To state a cause of action for intentional infliction of emotional distress, a plaintiff must plead that (1) the defendant’s conduct was so extreme and outrageous as to go beyond all possible bounds of decency and to be regarded as intolerable in a civilized community, (2) the defendant either intended to inflict severe emotional distress or knew that there was at least a high probability that his conduct would cause severe emotional distress, and (3) the defendant’s conduct did in fact cause severe emotional distress. (¶ 49)

Factual background

The plaintiffs are adult children of the deceased William P.E. They alleged that William engaged in a long pattern of sexual, physical, and psychological abuse toward them from childhood through adulthood, and later altered his trust, changed IRA beneficiaries, and omitted mention of their mother on a headstone in ways they claimed were intended to cause emotional distress.

Procedural history

The Circuit Court of Lake County dismissed count I of the plaintiffs' amended complaint for being time‑barred and for failing to state a cause of action for intentional infliction of emotional distress. The plaintiffs appealed.

Court Document

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