Serafin Mendez v. Selene Finance LP et al

Filing 31

ORDER GRANTING PLAINTIFF'S MOTION TO AMEND 27 AND GRANTING IN PART AND DENYING IN PART DEFENDANTS' MOTION TO DISMISS 23 by Judge Otis D. Wright, II: The Court GRANTS Plaintiff's motion to amend the complaint. (ECF No. 27.) The Cour t also GRANTS IN PART and DENIES IN PART Defendants' motion to dismiss. (ECF No. 23) Plaintiff's claim for negligence survives, while Plaintiff's claims for declaratory relief and violation of the UCL are dismissed without leave to amend. (bp)

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United States District Court
Central District of California

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Plaintiff,

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Case № 2:16-cv-09335-ODW (FFM)

SERAFIN MENDEZ,
v.

ORDER GRANTING PLAINTIFF’S

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SELENE FINANCE LP; THE WOLF

MOTION TO AMEND [27] AND

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FIRM; and DOES 1–100, inclusive,

GRANTING IN PART AND

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Defendants.

DENYING IN PART DEFENDANTS’

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MOTION TO DISMISS [23]

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I.

INTRODUCTION

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Plaintiff Serafin Mendez filed this action seeking to halt the foreclosure of his

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home. Before the Court is Plaintiff’s motion to amend the first amended complaint to

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add M&T Bank as a defendant. (ECF No. 27.) Also before the Court is Defendants

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Selene Finance LP (“Selene”) and The Wolf Firm’s motion to dismiss Plaintiff’s first

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amended complaint for failure to state a claim pursuant Federal Rule of Civil

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Procedure 12(b)(6). (ECF No. 23.) The Court GRANTS Plaintiff’s motion and

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GRANTS IN PART and DENIES IN PART Defendants’ motion.

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II.

FACTUAL BACKGROUND

A. Facts

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As both parties are familiar with the facts, the Court includes only those facts

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necessary to resolve the pending motions. On February 20, 2013, Plaintiff purchased

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property located in Lancaster, California. (First Amended Complaint (“FAC”) ¶¶ 1,

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13, ECF No. 20.) To finance his purchase, Plaintiff obtained a loan from Pacificbanc

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Mortgage. (Id. ¶ 14.) At some point after the purchase, Plaintiff’s mortgage note was

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assigned to M&T Bank. (Id. ¶ 15.) M&T Bank then transferred the servicing rights to

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Seneca Mortgage LLC (“Seneca”). (Id. ¶ 16.)

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Plaintiff fell behind on his mortgage payments, and on September 17, 2014, The

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Wolf Firm, acting at Seneca’s behest, recorded a notice of default on the property

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indicating that Plaintiff was behind on his payments by $32,347.67. (Id. ¶ 23, Ex. B.)

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Plaintiff submitted payments totaling $23,327.49 to Seneca “sometime in the end of

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2014.” (Id. ¶¶ 20, 31.) As of the “last mortgage statements” Plaintiff received, these

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payments had not been credited to his account. (Id. ¶ 21.) On August 20, 2015, The

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Wolf Firm, again acting on behalf of Seneca, recorded a notice of sale on the property.

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(Id. ¶ 24.) “On or about October 2016,” M&T Bank transferred the servicing rights

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for Plaintiff’s loan to Selene. (Id. ¶¶ 16, 25.)

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B. Procedural History

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On November 17, 2016, Plaintiff filed a complaint against Defendants in the

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Superior Court of California, County of Los Angeles, alleging: (1) negligence; (2)

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violation of California Civil Code section 2923.6; (3) entitlement to an accounting;

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and (4) violation of California Business and Professions Code section 17200. (Compl.

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¶¶ 21–47, ECF No. 1-1.) On December 19, 2016, Defendants removed the case to

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federal court. (ECF No. 1.)

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On December 27, 2016, Defendants filed a motion to dismiss Plaintiff’s

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complaint. (ECF No. 7.) On February 7, 2017, the Court granted Defendants’ motion

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in its entirety. (ECF No. 16.) The Court gave Plaintiff leave to amend his claim for

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violation of California’s Unfair Competition Law (“UCL”) and also gave Plaintiff

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leave to amend his claim for negligence to the extent that it was based on a failure to

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credit his previous payments of $23,327.49.1 (Order 8, 12.)

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On March 9, 2017, Plaintiff filed a first amended complaint alleging three

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causes of action: (1) negligence; (2) declaratory relief; and (3) violation of the UCL.

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(FAC ¶¶ 27–54.) On March 22, 2017, Defendants filed a Rule 12(b)(6) motion to

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dismiss Plaintiff’s first amended complaint. (ECF No. 23.) On April 13, 2017,

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Plaintiff filed a motion to amend the first amended complaint to add M&T Bank as a

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defendant. (ECF No. 27.) The motions are now fully briefed and ready for decision.

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(ECF Nos. 262, 29.)3

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III.

LEGAL STANDARD

A. Motion to Amend Complaint Pursuant to Rule 15(a)(2)

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Leave to amend a complaint should be “freely given when justice so requires.”

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Fed. R. Civ. P. 15(a)(2). In determining whether leave to amend should be granted,

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four factors are considered: (1) undue delay; (2) bad faith or dilatory motive; (3)

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prejudice to the opposing party; and (4) futility of amendment. Ditto v. McCurdy, 510

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F.3d 1070, 1079 (9th Cir. 2007); Foman v. Davis, 371 U.S. 178, 182 (1962).

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B. Motion to Dismiss Pursuant to Rule 12(b)(6)

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A party may seek to dismiss a complaint pursuant to Rule 12(b)(6) for lack of a

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cognizable legal theory or insufficient facts pleaded to support an otherwise

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cognizable legal theory. Balistreri v. Pacifica Police Dep’t, 901 F.2d 696, 699 (9th

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Cir. 1990). To survive a motion to dismiss, a complaint need only satisfy the minimal

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notice pleading requirements of Rule 8(a)(2)—a short and plain statement of the

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The Court previously considered and dismissed without leave to amend Plaintiff’s negligence
claim as it related to his alleged attempts to obtain a mortgage modification. (Order 8, ECF No. 16.)
As such, the Court will not consider that theory of negligence again in this order.
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Defendant requests that the Court “disregard” Plaintiff’s late-filed opposition. (Reply 2, ECF No.
29.) The Court will not do so as Defendant has not alleged any resulting prejudice from the late
filing.
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After considering the papers filed in connection with these motions, the Court deemed the matters
appropriate for decision without oral argument. Fed. R. Civ. P. 78(b); C.D. Cal. L.R. 7-15.

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claim. Porter v. Jones, 319 F.3d 483, 494 (9th Cir. 2003). The factual “allegations

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must be enough to raise a right to relief above the speculative level.” Bell Atl. Corp.

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v. Twombly, 550 U.S. 544, 555 (2007). That is, the complaint must “contain sufficient

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factual matter, accepted as true, to state a claim to relief that is plausible on its face.”

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Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009).

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The determination whether a complaint satisfies the plausibility standard is a

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“context-specific task that requires the reviewing court to draw on its judicial

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experience and common sense.” Id. at 679. A court is generally limited to the

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pleadings and must construe all “factual allegations set forth in the complaint . . . as

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true and . . . in the light most favorable” to the plaintiff. Lee v. City of L.A., 250 F.3d

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668, 688 (9th Cir. 2001).

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IV.

DISCUSSION

A. Motion to Amend Complaint

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Plaintiff moves to amend the complaint after omitting Defendant M&T Bank

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from the caption. (Mot. to Amend 3, ECF No. 27.) As the body of the first amended

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complaint lists M&T Bank as a defendant, it is clear that M&T Bank’s omission from

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the caption was merely an oversight by Plaintiff’s counsel, who admits as much in her

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declaration supporting the motion to amend. (FAC ¶ 4; Danielyan Decl. ¶ 4, ECF No.

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27.) Therefore, the Court finds that the omission was not in bad faith. Further, adding

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M&T Bank as a party has not and will cause undue delay to Defendants. While the

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Court pushed back the hearing on Defendants’ motion to dismiss by two weeks to

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allow for the potential of a simultaneous hearing on the motion to dismiss and the

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motion to amend, this short delay cannot be considered “undue.” (See ECF No. 30.)

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Moreover, the addition of M&T Bank at this early stage of the lawsuit will not have

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any prejudicial effect on Defendants’ respective cases. Finally, to date, Defendants

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have not filed an opposition to Plaintiff’s motion.4 Accordingly, the Court GRANTS

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Plaintiff’s motion to amend the complaint to add M&T Bank as a defendant.

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B. Motion to Dismiss

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1. Negligence

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a. Plaintiff’s Arguments

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Plaintiff argues that he has stated a claim for negligence based on Selene’s

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failure to credit his $23,327.49 in payments “towards [his] loan amount,” or

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alternatively, based on Selene’s failure to “properly review his loan account to credit

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the payments made.” (FAC ¶¶ 32–33.) In support of his argument, Plaintiff points to

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Mahoney v. Bank of America, National Association, No. 13-CV-2530-W JMA, 2014

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WL 2197068 (S.D. Cal. May 27, 2014), in which a motion to dismiss for negligence

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was denied where a subsequent servicer failed to accurately account for a payment

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made to the previous servicer. The plaintiffs in Mahoney made a $50,000 payment to

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Bank of America, the then servicer of their mortgage. 2014 WL 2197068, at *2.

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After much back and forth with Bank of America, the plaintiffs remained unclear

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whether the $50,000 payment had been properly applied to their account. Id. In an

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attempt to sort out once and for all whether the $50,000 payment had been properly

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applied to their account, the plaintiffs submitted a qualified written request (“QWR”)

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to Bank of America. Id. At that point, servicing rights for the loan were transferred to

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Nationstar Mortgage. Nationstar Mortgage failed to provide accurate “reinstatement

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amount[s]” or complete and accurate information in response to the QWR as to

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whether the $50,000 payment had been credited to the plaintiffs’ account. Id. at *3.

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The plaintiffs then filed suit, alleging negligence, among other causes of action,

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against Bank of America and Nationstar Mortgage. Id. The court found that the

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allegations contained in the complaint were sufficient to state a claim for negligence

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Defendants’ opposition was due on April 24, 2017, twenty-one days before the May 15, 2017
hearing on the motion. C.D. Cal. L.R. 7-9.

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as to both Bank of America, the original servicer, and Nationstar Mortgage, the

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subsequent servicer. Id. at *7.

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Plaintiff also points to Hampton v. U.S. Bank, National Association, No. CV

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12-06713 DMG PJWX, 2013 WL 8115424 (C.D. Cal. May 7, 2013). In Hampton,

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servicer JP Morgan “requested” a $20,000 payment from the plaintiff to “cure” her

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default and then failed to credit that payment to the plaintiff’s account. 2013 WL

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8115424, at *1. The court applied the six-factor test in Nymark v. Heart Fed. Sav. &

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Loan Ass’n, 231 Cal. App. 3d 1089, 1096 (1991) and found that JP Morgan owed a

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duty of care to the plaintiff to properly credit her payment. Id. at *3–4. Plaintiff

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argues that the Court should follow these cases and allow a negligence claim based on

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Selene’s failure to properly credit his payments. (Opp’n 8, ECF No. 26.)

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b. Defendant’s arguments
Selene argues that Mahoney and Hampton are distinguishable from the present

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case.

(Reply 4–5.)

Selene points out that the servicers in those cases made

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affirmative representations to their respective borrowers and operated outside of their

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traditional servicer role, thus exposing themselves to potential negligence liability,

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whereas here, Selene operated entirely within its traditional servicer role. (Id. at 5.)

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Selene also argues that under the mortgage contract, the previous servicer was

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not obligated to accept partial payment and that the $23,327.49 payment amounted to

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a partial payment of the $32,347.67 necessary for reinstatement. (FAC, Ex. A, ¶ 9;

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Mot. to Dismiss 4, ECF No. 23.) Selene then argues that because there was no duty to

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accept such a payment5, it cannot be held liable in negligence for not doing so. (Id.)

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c. Analysis

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Plaintiff finds himself in a difficult position. He allegedly paid $23,327.49 to

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Seneca in an attempt to remedy missed mortgage payments and to prevent foreclosure,

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only to find that his payment had not been credited to his account. (See FAC ¶¶ 20–

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In the interest of improved readability, the Court refers to Plaintiff’s payments totaling $23,327.49
as a single payment for the remainder of the decision.

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21, 31–32.) The foreclosure process then continued unabated despite his payment.

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(Id. ¶ 24.) When servicing rights for the loan were transferred to Selene, Plaintiff

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could not sue Seneca to enjoin foreclosure for the misapplication of his payment

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because Seneca no longer had the ability to halt the foreclosure process. Instead, he

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was left to sue Selene, the present servicer, to halt the foreclosure of his home.

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The Court previously dismissed Plaintiff’s negligence claim as to the

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$23,327.49 payment because Plaintiff had not alleged a connection between Selene

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and the misapplication of his payment—it appeared that the bad act was entirely

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Seneca’s doing and that Selene had no legally cognizable relationship to Seneca.

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(Order 8.) However, Plaintiff now alleges in his first amended complaint that Selene

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was involved; it “failed to credit [his] payments toward the loan amount” and “did not

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properly review his loan account to credit the payments made.” (FAC ¶ 32–33.)

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As a starting point for its analysis, the Court feels it is necessary to recognize

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the seriousness of the allegations in Plaintiff’s first amended complaint. Without

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mincing words, Plaintiff appears to allege that $23,327.49 was stolen from him. (See

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Opp’n 9 (indicating that “the payments [at issue], were in fact, accepted”)); see also

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Mertan v. Am. Home Mortg. Servicing, Inc., No. SACV 09-723 DOC, 2009 WL

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3296698, at *5 (C.D. Cal. Oct. 13, 2009) (“To the extent Plaintiffs paid money to

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[their servicer], and [their servicer] failed to properly credit their account and deemed

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them late on their monthly payments (subjecting Plaintiffs to impending foreclosure),

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the Court is gravely concerned.”).

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This type of activity does not occur absent negligent or intentional conduct.

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Therefore, it should hardly be surprising that application of the Nymark test compels a

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finding of duty in this case. In determining whether a lender or servicer owes a duty

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to a borrower, the Nymark test requires courts to balance six factors: (1) the extent to

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which the transaction was intended to affect the plaintiff; (2) the foreseeability of

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harm to the plaintiff; (3) the degree of certainty that the plaintiff suffered injury; (4)

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the closeness of the connection between the defendant’s conduct and the injury

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suffered; (5) the moral blame attached to the defendant’s conduct; and (6) the policy

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of preventing future harm. 231 Cal. App. 3d at 1098.

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The Court addresses each factor in turn. First, Plaintiff’s payment was designed

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to keep his home from being foreclosed; therefore, any failure to credit that payment

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clearly had the potential to affect Plaintiff. Second, it is entirely foreseeable that

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failure to credit such a payment to Plaintiff’s account would cause him harm. Plaintiff

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was behind on his mortgage payments and likely hoped that by making this payment

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he might be able to reinstate his loan. By failing to credit his payment, Selene has left

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Plaintiff in a state of financial uncertainty, unsure of how much he owes on his loan.

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Third, the current allegations leave no room for doubt as to the injury. Plaintiff

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alleges that he “submitted payments” to his previous servicer “totaling approximately

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$23,327.49” and that Selene, his current servicer, failed to credit those payments.

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(FAC ¶¶ 31–32.)

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The Court also finds that the moral blame and the policy of preventing future

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harm factors weigh in Plaintiff’s favor. Plaintiff made the payment at issue after

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experiencing a period of “financial difficulty” during which he lost his job. (Id. ¶ 18.)

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By tendering the payment, Plaintiff was trying to make good on his debt and save his

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home. However, far from saving his home, the payment seems to have vanished into

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thin air—neither Selene, nor M&T Bank, nor Seneca, ever credited the payment to his

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account.

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This is obviously not the type of behavior that should be validated or

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encouraged. As the holdings of Mahoney and Hampton reinforce, servicers should be

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held responsible for failing to properly credit borrowers’ payments.

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2197068, at *7; 2013 WL 8115424, at *4. As at least five of the six Nymark factors

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favor Plaintiff, the Court finds that a duty should attach and that Plaintiff has stated a

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claim for negligence.6

2014 WL

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As five of the six factors weigh in Plaintiff’s favor, the Court declines to analyze the fourth factor.

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In reaching its decision, the Court has considered Selene’s argument that

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servicers are required to act outside of their traditional role for negligence liability to

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attach. (See Reply 5.) However, the Court finds that the defining line as to what falls

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inside and outside of servicer’s traditional role is hopelessly blurred and that this

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distinction should not function to overcome underlying facts evincing strong signs of

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negligent conduct.

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Courts such as Mahoney and Hampton seem to implicitly agree with this view.

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In Mahoney, for instance, the court found that servicer Nationstar Mortgage’s

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activities fell outside of the traditional servicer role where it provided inaccurate

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reinstatement amounts and a QWR response that failed to account for the plaintiff’s

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previous $50,000 payment. 2014 WL 2197068, at *2, *7. The court made this

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finding despite the fact that providing a reinstatement amount or responding to a

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QWR falls squarely within a servicer’s traditional role. Indeed, responding to a QWR

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is explicitly required of servicers by law under the Real Estate Settlement Procedures

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Act.

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Likewise, in Hampton, the Court found that a servicer’s reinstatement request took the

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servicer outside of its traditional role—even though it is clear that accounting for

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missed payments from borrowers and issues of loss mitigation are core servicing

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activities. 2013 WL 8115424, at *1, *3–4; see also 12 C.F.R. § 1024.38 (describing

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servicer obligations regarding loss mitigation). The takeaway from these cases is that

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courts have redefined traditional servicing activities as falling outside the traditional

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servicing role when necessary to protect borrowers from overtly negligent activity and

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avoid manifest injustice. In essence, courts will not stand by and allow borrowers to

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be victimized by a servicer’s overtly negligent conduct, such as a failure to properly

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process and apply payments, merely because that conduct falls within the sphere of

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traditional servicing activities.

See 12 C.F.R. § 1024.36 (describing servicer obligations as to QWRs).

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To find otherwise in this case and others like it would lead to absurd results.

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Servicers would be able to lose or carelessly process incoming borrower payments,

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record notices of default based on not having received those payments, and then

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subsequently move to foreclose based on those same missed payments—all while

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remaining shielded from negligence liability based on their participation in an activity,

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the processing of payments, that falls within their traditional role. Maintaining such a

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policy is not prudent.

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Lastly, the Court has considered Selene’s argument regarding partial payment.

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While Selene may be correct that it does not have to accept partial payment under the

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contract, the first complaint and attached exhibits do not make it clear whether the

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payment of $23,327.49, at the time it was made, amounted to a partial payment or a

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full payment. Although approximately $32,347.67 was necessary to reinstate the loan

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on September 14, 2015, this total may have been different at the “end of the year”

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when Plaintiff made the relevant payment. (Compare FAC ¶ 20 with FAC, Ex. B; see

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also Opp’n 9.) Selene’s argument is also premised on an understanding that the

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previous servicer “rejected” Plaintiff’s $23,327.49 payment. (See Mot. 1.) However,

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the allegations contained in the first amended complaint provide no support for this

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understanding.

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specifically requests that the Court make a determination of “which Defendant is

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responsible for not crediting the amounts paid.” (Id. ¶ 46 (emphasis added).) Further,

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Plaintiff’s opposition repeatedly emphasizes that his payment was “accepted.” (Opp’n

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9.)

Indeed, in the context of Plaintiff’s declaratory relief claim, he

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After carefully considering the facts in the first amended complaint and the

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parties’ arguments, the Court finds that discovery is warranted to determine exactly

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what happened to Plaintiff’s $23,327.49 payment.

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Plaintiff’s payment was credited to his account or that Plaintiff’s payment was

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returned to him, the Court will not allow Plaintiff to be evicted from his home without

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additional clarification.

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dismiss as to Plaintiff’s negligence claim.

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///

While it may turn out that

Accordingly, the Court DENIES Defendants’ motion to

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2.

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Plaintiff also alleges a claim for declaratory relief. (FAC ¶¶ 39–47.) As stated

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in the previous section, Plaintiff requests that the Court determine “which Defendant

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is responsible for not crediting the amounts paid.” (Id. ¶ 46.) The Court finds that

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this claim is duplicative of Plaintiff’s claim for negligence. As Plaintiff’s negligence

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claim remains and responsibility for not crediting the payments will be determined in

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that context, a separate declaratory relief claim is not necessary.7

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Courtyard, LLC v. BBVA Compass Bancshares Inc., No. 16-CV-1189-JLS-KSC, 2017

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WL 960431, at *8 (S.D. Cal. Mar. 13, 2017) (“A claim for declaratory relief is

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unnecessary where an adequate remedy exists under some other cause of action.”)

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(quoting Mangindin v. Wash. Mut. Bank, 637 F. Supp. 2d 700, 707–08 (N.D. Cal.

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2009)). Further, as a general matter, “declaratory and injunctive relief are not causes

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of action; rather, they are remedies.” Rosenfeld v. JPMorgan Chase Bank, N.A., 732

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F. Supp. 2d 952, 975 (N.D. Cal. 2010); Hampton, 2013 WL 8115424, at *5.

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Accordingly, the Court GRANTS Defendants’ motion to dismiss Plaintiff’s

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declaratory relief claim without leave to amend.

Declaratory Relief

Glendora

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3. Violation of the UCL

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Plaintiff’s final claim is for violation of the UCL. (FAC ¶¶ 48–54.) To state a

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claim under the UCL, a plaintiff must allege an “unlawful, unfair, or fraudulent

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business act or practice.” Cal. Bus. & Prof. Code § 17200. “Because [the UCL] is

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written in the disjunctive, it establishes three varieties of unfair competition—acts or

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practices which are unlawful, or unfair, or fraudulent.” Boschma v. Home Loan Ctr.,

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Inc., 198 Cal. App. 4th 230, 252 (2011) (quoting Puentes v. Wells Fargo Home

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Mortg., Inc., 160 Cal. App. 4th 638, 643–44 (2008)).

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A business practice violates the unlawful prong where there is some other

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related violation of law. Korea Supply Co. v. Lockheed Martin Corp., 29 Cal. 4th

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The Court notes that one of Plaintiff’s requested forms of relief is an accounting. (See Prayer for
Relief, ECF No. 20.)

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1134, 1143 (2003); see also Multimedia Patent Trust v. Microsoft Corp., 525 F. Supp.

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2d 1200, 1217 (S.D. Cal. 2007) (“[A]n ‘unlawful’ business act or practice is one that

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is prohibited by law, where possible sources of law are defined broadly.”).

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A business practice violates the unfair prong “where it either offends an

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established public policy or when the practice is immoral, unethical, oppressive,

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unscrupulous[,] or substantially injurious to consumers.” Harris v. Wells Fargo Bank

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N.A., No. 516CV00645CASK KX, 2016 WL 3410161, at *4 (C.D. Cal. June 15,

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2016). To allege a violation under the unfair prong, the plaintiff must “tether[]” the

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unfair practice or policy to a specific constitutional, statutory, or regulatory provision.

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Id.; Stewart v. Screen Gems-EMI Music, Inc., 81 F. Supp. 3d 938, 967 (N.D. Cal.

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2015); Aleksick v. 7-Eleven, Inc., 205 Cal. App. 4th 1176, 1192 (2012).

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A business practice violates the fraud prong where it would likely be seen as

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deceptive by “members of the public.” Stewart, 81 F. Supp. 3d at 968. Fraud-based

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UCL claims are also subject to the heightened Rule 9(b) pleading standard. Kearns v.

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Ford Motor Co., 567 F.3d 1120, 1125 (9th Cir. 2009).

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Plaintiff has not clearly identified the prong on which his UCL claim is based.

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Therefore, the Court analyzes the sufficiency of his allegations under each of the three

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prongs. To begin, Plaintiff cannot establish a UCL claim under the unlawful prong.

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Plaintiff’s sole remaining claim is for negligence. Common law claims such as

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negligence cannot form the basis of an unlawful prong claim under the UCL. See R.

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N. Beach, Inc. v. Country Visions, Inc., No. 215CV02014TLNCKD, 2016 WL

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1682046, at *8 (E.D. Cal. Apr. 27, 2016) (citing Shroyer v. New Cingular Wireless

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Servs., Inc., 622 F.3d 1035, 1044 (9th Cir. 2010)); Stearns v. Select Comfort Retail

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Corp., 763 F. Supp. 2d 1128, 1150 (N.D. Cal. 2010) (“Plaintiffs’ negligence . . .

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claim[] may not constitute [a] predicate act[] for a UCL claim.”).

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Plaintiff’s UCL claim fails under the unfair prong for the same reason it failed

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previously: it is not “tethered” to a specific constitutional, statutory, or regulatory

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provision. See Harris, 2016 WL 3410161, at *4 (denying plaintiffs’ unfair prong

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claim where they failed to allege any “specific constitutional, statutory[,] or regulatory

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provision.”). Finally, Plaintiff has not put forth any allegations or arguments relevant

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to the fraud prong. Accordingly, the Court GRANTS Defendants’ motion to dismiss

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as to Plaintiff’s UCL claim. As this is the second time the Court has dismissed

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Plaintiff’s UCL claim, the dismissal is without leave to amend.

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V.

CONCLUSION

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In light of the foregoing, the Court GRANTS Plaintiff’s motion to amend the

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complaint. (ECF No. 27.) The Court also GRANTS IN PART and DENIES IN

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PART Defendants’ motion to dismiss. (ECF No. 23.) Plaintiff’s claim for negligence

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survives, while Plaintiff’s claims for declaratory relief and violation of the UCL are

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dismissed without leave to amend.

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IT IS SO ORDERED.

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April 27, 2017

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____________________________________
OTIS D. WRIGHT, II
UNITED STATES DISTRICT JUDGE

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