Janet Hill v. Bank of America, Inc.

Filing

Opinion issued by court as to Appellant Janet Hill. Decision: Affirmed. Opinion type: Non-Published. Opinion method: Per Curiam.

Case: 12-11740

Date Filed: 03/12/2013

Page: 1 of 7

[DO NOT PUBLISH]
IN THE UNITED STATES COURT OF APPEALS
FOR THE ELEVENTH CIRCUIT
________________________
No. 12-11740
Non-Argument Calendar
________________________
D.C. Docket No. 1:11-cv-02991-JOF
JANET HILL,
Plaintiff - Appellant,
versus
BANK OF AMERICA, INC.,
Defendant - Appellee.
________________________
Appeal from the United States District Court
for the Northern District of Georgia
________________________
(March 12, 2013)
Before TJOFLAT, PRYOR and MARTIN, Circuit Judges.
PER CURIAM:
Janet Hill appeals the district court’s dismissal of her complaint against
Bank of America (BOA) for actions related to her mortgage with the bank. The

Case: 12-11740

Date Filed: 03/12/2013

Page: 2 of 7

district court reviewed Hill’s original complaint as well as her amended complaint.
The district court also noted Hill’s intervening attempt to amend her complaint,
when she failed to attach any proposed complaint. The district court found the
initial complaint failed to state a claim and the first attempt to amend was deficient
for failing to attach a proposed amended complaint. While the district court
granted Hill’s motion for leave to amend, it found the proposed amended
complaint to be deficient as well. The court dismissed the action with prejudice
because “[b]ased on [Hill’s] counsel’s first three efforts at drafting a complaint, the
court ha[d] no reason to believe that any additional opportunity to amend would be
more fruitful.” Hill’s argument on appeal is that the district court was wrong to
dismiss her complaint with prejudice, i.e. without further leave to amend.
I.
Hill filed her first complaint in the Superior Court of Fulton County on July
29, 2011. BOA removed the action to federal court. The complaint asserted that
Hill got a mortgage from “Country Wide Home Loan” in October of 2005 for
$464,000. In early 2009, Hill learned about “a federal mortgage relief program
called [the] Making Home[s] Affordable Program.” Apparently, Hill applied to
BOA to join the program, “[b]ut, instead of offering to lower her payments, they
offered to increase her payments which certainly [was] contrary to the purpose and
intent of the program.” By January of 2010, Hill got notice from BOA that she
2

Case: 12-11740

Date Filed: 03/12/2013

Page: 3 of 7

was delinquent on her payments and that her home would be foreclosed on in
March.
Hill claims she wrote BOA in October of 2010 requesting a loan
modification. She says she received a letter thanking her for participation in the
loan modification program, but nothing else happened. In February of 2011, she
submitted another loan modification application but it was denied and she later got
an e-mail saying the loan was in underwriting.
The complaint goes on to explain “[o]n May 3, 2011[,] Plaintiff [r]equested
to confirm default amount $511,000. Notice foreclosure anticipated.” Hill later
received notice that her loan was “in its final stage for Trial Payment Notification”
and was told that the loan was “waiting for Trial Payment.”
After setting out these facts, Hill alleges that:
the offer to Plaintiff to modify the loan was accepted when she
submitted her application. BOA had an obligation to promptly attend
to it and to guide Plaintiff through the process. When she was told not
to make the December and January payments, which was contrary to
the plan, BOA breached the contract between the parties.
“Count Two” of the complaint makes a claim for “deceptive trade practices.” 1 For
this Count, Hill complains that BOA did not honor its verbal promises and lost her
written materials.

1

The complaint never specifies a “Count One.”
3

Case: 12-11740

Date Filed: 03/12/2013

Page: 4 of 7

Once in federal court, BOA moved to dismiss under Federal Rule of Civil
Procedure 12(b)(6). BOA argued that Hill violated Rule 8(a) because her
complaint failed to provide a short, plain statement of the claims. BOA also
argued that insofar as Hill alleged breach of contract claims, her claims would fail
under Georgia’s Statute of Frauds requiring that land contracts be in writing. And
finally, BOA argued that the Georgia Fair Business Practices Act does not apply to
residential mortgage transactions.
After filing a short response to BOA’s motion asking the court to construe
her complaint to do “substantial justice,” Hill moved to amend her complaint but
failed to provide an amended complaint, as is required. See Long v. Satz, 181 F.3d
1275, 1279 (11th Cir. 1999). Hill then filed another motion for leave to amend,
this time attaching a new amended complaint in which she purported to add as
many as eight more defendants who engaged in a “pattern and practice of
deceptive conduct” in violation of Georgia’s Deceptive Trade Practices Act,
O.C.G.A. §§ 10-1-137 et seq.
II.
We review de novo a district court’s Rule 12(b)(6) dismissal of a case.
Catron v. City of St. Petersburg, 658 F.3d 1260, 1264 (11th Cir. 2011). We review
for abuse of discretion the denial of a motion for leave to amend the complaint.

4

Case: 12-11740

Date Filed: 03/12/2013

Page: 5 of 7

Covenant Christian Ministries, Inc. v. City of Marietta, Ga., 654 F.3d 1231, 1239
(11th Cir. 2011).
A complaint must contain “a short and plain statement of the claim showing
that the pleader is entitled to relief.” Fed. R. Civ. P. 8(a)(2). As the Supreme
Court made clear in Bell Atl. Corp. v. Twombly, 550 U.S. 544, 127 S. Ct. 1955
(2007), and Ashcroft v. Iqbal, 556 U.S. 662, 129 S. Ct. 1937 (2009), a plaintiff’s
complaint must be “plausible” in that it must plead facts that support a reasonable
inference that there has been some wrongdoing. Twombly, 550 U.S. at 570, 127 S.
Ct. at 1974, Iqbal, 556 U.S. at 678, 129 S. Ct. at 1949.
Under Federal Rule of Civil Procedure 15(a)(2), “[t]he court should freely
give leave [to amend] when justice so requires.” Fed. R. Civ. P. 15(a)(2). Where a
litigant fails to provide the court with the amendment it proposes, however, a court
does not abuse its discretion by denying leave to amend. Long, 181 F.3d at 1279–
80. A court may also deny leave to amend where the plaintiff fails to show that the
amended complaint satisfies Rule 8(a). United States ex rel. Atkins v. McInteer,
470 F.3d 1350, 1362 (11th Cir. 2006). Thus, there are situations in which courts
“[do] not abuse [their] discretion by dismissing . . . complaint[s] with prejudice,
i.e., without leave to amend.” Id.
III.

5

Case: 12-11740

Date Filed: 03/12/2013

Page: 6 of 7

Hill argues that she should have been allowed leave to amend her complaint
again, and further that the court should have given her “instructions to correct the
deficiencies.” Hill argues her complaint “should not have been dismissed for
failure to state a claim unless it appeared beyond a doubt that she could not have
proven through any set of facts to support her claim that would entitle her to
relief.”
Hill’s arguments are without merit. First, she fails to provide legal authority
to support the idea that a Court can never dismiss with prejudice a complaint after
three unsuccessful attempts to meet Rule 8(a)’s very low threshold. Indeed, we
have precedent to the contrary. See, e.g., Long, 181 F.3d at 1279–80; McInteer,
470 F.3d at 1362.
Second, to the extent that Hill suggests that the district court did not review
her amended complaint, she is clearly incorrect. Indeed, the district court reviewed
Hill’s “motion to amend complaint and for leave to file amended complaint” and
said so: “[t]he court has reviewed Plaintiff’s proposed amended complaint.” It
simply found the amended complaint to be as deficient as the first one.
Third, our de novo review of the initial complaint and the amended
complaint brings us to the same conclusion as the district court: that the complaints
should be dismissed for failure to state a claim. The district court got it right when
it said “that [Hill’s] initial complaint was wholly insufficient in the manner in
6

Case: 12-11740

Date Filed: 03/12/2013

Page: 7 of 7

which it pled facts and alleged causes of action” and that the proposed amended
complaint was similarly deficient, merely “contain[ing] sweeping generalizations
about the sufficiency of mortgage servicing operations of the proposed defendants”
and “mak[ing] not one specific allegation about Plaintiff, Janet Hill, and what
happened to her loan or her application.” As such, it was properly dismissed for
failure to state a claim.
Based on our de novo review of Hill’s filings, we affirm the district court’s
dismissal of this action.
AFFIRMED.

7