Roberts v. Chase Home Finance
MEMORANDUM OPINION AND ORDER: As further set out in order, Chase's Motion to Dismiss, 6 , is due to be GRANTED, and the court hereby DISMISSES Roberts' Complaint with prejudice. Signed by Judge Abdul K Kallon on 07/11/12. (CVA)
2012 Jul-11 PM 01:40
U.S. DISTRICT COURT
N.D. OF ALABAMA
IN THE UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF ALABAMA
CHASE HOME FINANCE,
Civil Action Number
MEMORANDUM OPINION AND ORDER
Before the court is Defendant JPMorgan Chase Bank, N.A., successor by
merger to Chase Home Finance, LLC’s (“Chase”) motion to dismiss pro se
Plaintiff Malesha Roberts’ (“Roberts”) Complaint for failure to state a claim
pursuant to Federal Rule of Civil Procedure 12(b)(6) and for lack of subject matter
jurisdiction pursuant to Rule 12(b)(1). Doc. 6. For the reasons stated more fully
below, Chase’s motion is due to be GRANTED, and the court hereby
DISMISSES Roberts’ Complaint with prejudice.
STANDARD OF REVIEW
Under Federal Rule of Civil Procedure 8(a)(2), a pleading must contain “a
short and plain statement of the claim showing that the pleader is entitled to
relief.” “[T]he pleading standard Rule 8 announces does not require ‘detailed
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factual allegations,’ but it demands more than an unadorned, the-defendantunlawfully-harmed-me accusation.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009)
(citing Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007)). Mere “labels and
conclusions” or “a formulaic recitation of the elements of a cause of action” are
insufficient. Id. (citations and internal quotation marks omitted). “Nor does a
complaint suffice if it tenders ‘naked assertion[s]’ devoid of ‘further factual
Federal Rule of Civil Procedure 12(b)(6) permits dismissal when a
complaint fails to state a claim upon which relief can be granted. “To survive a
motion to dismiss, a complaint must contain sufficient factual matter, accepted as
true, to state a claim to relief that is plausible on its face.” Id. (quoting Twombly,
550 U.S. at 556) (internal quotation marks omitted). A complaint states a facially
plausible claim for relief “when the plaintiff pleads factual content that allows the
court to draw the reasonable inference that the defendant is liable for the
misconduct alleged.” Id. The complaint must establish “more than a sheer
possibility that a defendant has acted unlawfully.” Id.; see also Twombly, 550
U.S. at 555 (“Factual allegations must be enough to raise a right to relief above the
speculative level.”). On a motion to dismiss under Rule 12(b)(6), the court accepts
all factual allegations as true. See, e.g., Grossman v. Nationsbank, N.A., 225 F.3d
1228, 1231 (11th Cir. 2000). However, legal conclusions unsupported by factual
allegations are not entitled to that assumption of truth. Iqbal, 556 U.S. at 678.
Ultimately, this inquiry is a “context-specific task that requires the reviewing court
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to draw on its judicial experience and common sense.” Id.
Under Federal Rule of Civil Procedure 12(b)(1), a party may move the court
to dismiss a case if the court lacks jurisdiction over the subject matter of the case.
Plaintiffs, as the parties invoking jurisdiction, bear the burden of establishing the
court’s subject matter jurisdiction. Taylor v. Appleton, 30 F.3d 1365, 1367 (11th
Because Roberts proceeds in this case pro se – that is, without an attorney –
the court must construe her pleadings liberally. See Alba v. Montford, 517 F.3d
1249, 1252 (11th Cir. 2008) (citation omitted). “[T]his leniency does not give a
court license to serve as de facto counsel for a party, or to rewrite an otherwise
deficient pleading in order to sustain an action.” GJR Invs. v. Cnty. of Escambia,
Fla., 132 F.3d 1359, 1369 (11th Cir. 1998). Indeed, “[o]nce a pro se litigant is in
court, he is subject to the relevant laws and rules of court, including the Federal
Rules of Civil Procedure.” Smith v. Fla. Dep’t of Corr., 369 F. App’x 36, 38 (11th
Cir. 2010) (citing Moon v. Newsome, 863 F.2d 835, 837 (11th Cir. 1989)).
Therefore, while the court construes Roberts’ pleadings liberally and affords them
significant leniency in light of her pro se status, the court may not wholly
disregard the federal pleading standards and standard of review. See Brown v.
Crawford, 906 F.2d 667, 670 (11th Cir. 1990); see also Smith, 369 F. App’x at 38.
In her Complaint, Roberts contends that:
Chase Home Mortgage Company said they would modify or extend a
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modification of my home loan if I made 3 monthly payments of
[$]1,098.00. I made 15 monthly payments a total of $15,928, still I
have not received a modification of my home loan. This was
included in a letter from Chase. I was told in 10/7/11 to apply again
to Chase for a home modification. I did apply and have since been
told that my modification is in process, but I have received 6
foreclosure sales notices on my property from Sirote & Permute,
while Chase is supposedly modifying my loan.
Doc. 1, at 2-3. Accordingly, Roberts alleges violations of (1) the Truth in Lending
Act (“TILA”), 15 U.S.C. §§ 1601 through 1666; (2) the Fair Debt Collection
Practices Act (“FDCPA”), 15 U.S.C. §§ 1692e(2)(A)-(B); and (3) the Federal
Home Modification Act. Id. at 3. The court addresses each purported violation in
The court assumes without deciding that TILA applies to contracts for loan
modification, see 15 U.S.C. § 1639; 12 C.F.R. § 226.20; however, Roberts’
Complaint fails to provide the specific required disclosures omitted by Chase, and
therefore, fails to state a plausible claim for relief. See Fed. R. Civ. P. 12(b)(6).
Moreover, the court agrees with Chase that TILA’s purpose “has no relevance to
the actions Plaintiff asserts.” Doc. 7, at 7. Congress provided in TILA’s
declaration of purpose that “[i]t is the purpose of this subchapter to assure a
meaningful disclosure of credit terms so that the consumer will be able to compare
more readily the various credit terms available to him and avoid the uninformed
use of credit, and to protect the consumer against inaccurate and unfair credit
billing and credit card practices.” 15 U.S.C. § 1601(a). See also Bragg v. Bill
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Heard Chevrolet, Inc., 374 F.3d 1060, 1065 (11th Cir. 2004). Put simply,
assuming the veracity of the assertion that Chase refuses to modify Roberts’
mortgage, the court fails to find any reasonable inference that such conduct
violates TILA’s disclosure requirements.
Roberts also fails to state a claim under the FDCPA. As this court
previously provided, see Roberts v. Chase Home Finance, LLC, No. 2:10-cv2432-AKK, at *7-10 (N.D. Ala. Nov. 22, 2010),1 Chase is not a “debt collector,”
see 15 U.S.C. § 1692a(6), and the potential foreclosure of Roberts’ home is not a
“debt collection” for purposes of the FDCPA, see Warran v. Countrywide Home
Loans, Inc., 342 F. App’x 458, 460-61 (11th Cir. 2009). Thus, Roberts’ FDCPA
claim fails as a matter of law.
Federal Home Modification Act
Finally, the court agrees with Chase that no federal law entitled the “Federal
Home Modification Act” exists. Rather, the court assumes that Roberts attempts
to enforce certain obligations under the federal Home Affordable Modification
Program (“HAMP”). This program, created by the Department of the Treasury
under the Emergency Economic Stabilization Act of 2008 (“EESA”), 12 U.S.C. §§
On November 22, 2010, this court dismissed a previous action by Malesha Roberts
against Chase Home Finance, LLC for failure to state a claim and lack of subject matter
jurisdiction. See Roberts v. Chase Home Finance, LLC, No. 2:10-cv-2432-AKK (N.D. Ala. Nov.
22, 2010). In that case, Roberts disputed and sought a verification of the amount owed to Chase.
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5201 through 5261, “is designed to prevent avoidable home foreclosures by
incentivizing loan services to reduce the required monthly mortgage payments for
certain struggling homeowners. Servicers are obliged to abide by guidelines
promulgated by the Secretary when determining a mortgagor’s eligibility for a
permanent loan modification.” Miller v. Chase Home Finance, LLC, 677 F.3d
1113, 1116 (11th Cir. 2012). However, “[n]either HAMP nor ESSA expressly
creates a private right of action for borrowers against loan servicers.” Id.
Furthermore, the Eleventh Circuit instructed in Miller that “no implied right of
action exists” under either HAMP or EESA. Id. See also Sims v. Chase Home
Finance, LLC, No. 11-14464, 2012 WL 2105466 (11th Cir. June 12, 2012).
Accordingly, the court lacks subject matter jurisdiction to hear Roberts’ purported
DONE this 11th day of July, 2012.
ABDUL K. KALLON
UNITED STATES DISTRICT JUDGE
The court notes that, to the extent Chase purportedly breached a promise to modify the
mortgage, Roberts may have a valid state law action against Chase.
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