Cook v. Mortgage Electronic Registration Systems, Inc. et al

Filing 30

OPINION AND ORDER granting 19 Motion to Dismiss for Failure to State a Claim. Closing Case. Motions Terminated: 19 Joint MOTION TO DISMISS 1 Complaint, FOR FAILURE TO STATE A CLAIM filed by Mortgage Electronic Registration Systems, Inc., American Home Mortgage Corp., Deutsche Bank National Trust Company. Signed by Judge Donald M. Middlebrooks on 4/17/2017. (yha) NOTICE: If there are sealed documents in this case, they may be unsealed after 1 year or as directed by Court Order, unless they have been designated to be permanently sealed. See Local Rule 5.4 and Administrative Order 2014-69.

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UNI TED STATES DI STRI COURT CT SO UTHERN DI STRI OF FLORI CT DA CASE NO:1 c 81 M I 6- v- 733- DDLEBRO OK S STEPHEN L. OO K , C Pli if antf, V. AM ERI CAN HOM E M ORTGAGE CORP. , d/ aAM ERI b/ CAN BROKERS CONDUI T, M OTGAGE ELECTRONI C RE S TI S NATI Y l TRUST GITRA ON YS M Nc.ad TE ONAL nn DEUTSCHE BANK COM PANY, De e f ndant. s / O RDER AND OPI O N G RANTI DEFENDANTS'M O TJ TO DI I NI NG ON SM SS C O M PLA I NT THI CAUSE c e be or t Cour upon De e nt Am e i n Home M orgageCor S om s f e he t f nda s rca t p, d// Ameia Br s Condui ($ C' ,Morga El toni Regitai Syse ,I ba rc n oker t$ AHM ' ) t ge ecr c sr ton tms nc. ($ :MERS' ,a De s Ba Nai lTr s Compa s(s utc Ba ' coleci l t ' nd utche nk tona ut ) ny' dDe s he nkj l tvey, he ' tDefnda s' M otont DimisCompli ,o i t Ale ai ,t Absai (t oi ),fld i e nt' ) i o s s ant r n he tm tve o t n i ton' ie M o F b u r 21 2 7 ( 1 ) Plitf S e h n L.Co k (s an if' fld a rs o s i n e r a y , 01 . DE 9 . anif tp e o i itf ) ie e p n e n pl opposton onM ac 7,201 ( 20) t whih Dee nt rple onM a c 13,201 ( 21. ii rh 7 DE ,o c fnda s e id rh 7 DE ) Fort r s sa e bel t M oton i gr nt he ea ons t t d ow, he i s a ed. BACKGROUND The pr e a i n c e ns t vai t ofa c umeri r di ta a ton' t s c e a es nt cto onc r he ldiy ons i e t r ns c i ' o e ur c morga a t de ndentrghtoft pl i ifm orga t r ci t ta a ton unde t t ge nd he pe i he antf- t gor o es nd he r ns c i r he Tr t i Le ng Ac of 1 (ç LA' , 1 U. C.jj 1 uh n ndi t 968 $Tl ' 5 S. ) 601,e s t eq. ( 1,heenatr DE ri fe i mpan 'o : mp . a ! 2 1 ) ç lit' r $ l' t ! , 4 . co Co ' On or ab out Ocob r 3, 2006, Pl ntf a AHM C e ut a S ons m e c e t t e ai if nd xec ed i u r r di c ta a ton' (hedrns ci ',purua t whih AHM C e e d al n t Pl ntf s urd rns ci ' t # a a ton' t ) s nt o c xtnde oa o ai if ec e by a morg on Pl ntf prmay r i nce (he i r pet') ( tage ai ifs i r esde t i o ry'. Compl a ! 23)1 The p .t . morga whih gr nt d AHM C a s urt i e es i t pr ry,wasr cor d i t Ofi a t ge, c a e ec iy nt r t n he ope t e de n he fcil Re dsoft Clr oft Cic tCou tofPam Be c Couny,Fl i .(d. t!27) cor he ek he r ui r l ah t orda 1 a . Pli ifal ge t on Oc obe 2,2009,he m a ld a notc ofr ciso t AHM C a antf le s hat t r ie i e es s in o nd is age t M ERS.(d.a !31.Thebassf r cndi t ta a tonwast al dpr e t, n , 1 t ) i or es i ng he rns ci he lege esnce of m ae il i c aces i t pa nt s hed e of t dicl ur sae e d s ued i tra nac ur i n he yme c ul he s os e t tm nt i s i n c nu cinwi gh ta s cin . (d. t !3 - 7 .Ono a o t t b r6 2 1 AHM C, a o j n to t t e rn a to l' l a ! 6 3 ) h ' r b u Oco e , 01 , vi MERS,a sg t morgaget De sheBa (d.a ! 32) Folowi Pli ifsdea ton sined he t o utc nk. 1 t , l ng antf ful hsla r p y n o lg to s( 1 a 3 ,De tc eBa k iiitd af rcos r prc e n i i o n e a me t b iain DE 9 t ) u s h n n t e o e l u e o e dig n a Flrd saec u t(t saea t n',wh c i c re ty p n i . ( mpl a ! 33 . Pan if o ia tt o r she tt ci ' ih s u rn l e dng Co . t ) litf t o ) iv k d lg lhe re u d rTI i tesaea t n t s p o t moin f rs mmayj d me t n o e e a t o is n e LA n h tt ci o u p r a to o u r u g n o a aloa a uns c sulbassfrr nd s s n uc esf i o emovi t taci t t sCour.( 1 a 2) ng ha ton o hi t DE 9 t . Pli iffl a i pe ntCompl nti t sCour on Ocobe 1 201 ( 1 .The antf ied n nde nde ai n hi t t r 3, 6. DE ) Complitose i y s e e tbl rle u rt De aaor J an tnsbl e ks quia e eif nde he clrt y udgme Ac ,28 U. C.jj nt t S. 2 012 2. ( mpl a ! 1 ) Sp cfc l Plitf a k te Co r t ( )fn ta h p o el 2 -20 Co . t 0 . e iial an if s s h u t o 1 i d h t e r p ry y, rs i t tans tonpurua t TI ( or rAHM C t unwi t ta a ton;()ode e cnded he r aci s nt o LA; 2) de o nd he rns ci 3 r r Dee t t e cut ar e eoft not a mo t ge( or rDeenda st pa t c t of fndans o xe e elas he e nd rga 4) de f nt o y he oss defndi t sae aci a ( deemi t tPli if ha a rg t brng a cam f e ng he tt ton; nd 5) tr ne ha antf s iht o i li or fa e f e l ur a ns Defnda s (d.a !! 56( )( ) Be rudulnt orcos e gai t e nt. 1 t 1-5). yond e tbl r if quia e ele , 'The ta a ton wa no a ç i r morga ' i of r a i i r ns c i s t t ma y pr t ge' ns a s t t not c e t t fna t was r a ed o i nce he ac uiiin ori talc tuci ofPlitf ho '( q sto nii onsr ton anifs me' Compl a !28 ,butwasrte as c .t ) ah r e ond morga us dt stsyPl ntf ot de oblgai (d. t!!24- . t ge e o aif ai ifs her bt i tons i a 25) Pl ntf as r que t t t Co t awar hi compe a or da ai if lo e ss hat he ur d m ns t y mage f hi e o i s or s m tonal s frnga ar ul ofDee nt'S a ulltgai 'a i thi (d.a !564 ) ufei s es t fnda s ' wf ii ton' gans m. 1 t 6). unl Defnda sbrngt i t tMoton purua t Fe R.Ci P.1 b)6) ( 1 a 1. e nt i he nsan i s nt o d, v. 2( ( . DE 9 t ) The a gue t t Pli ifs TI cli s a e ba r d by t t lw ' sat e of lm ia i . y r ha a ntf LA am r re ha a s t ut i ttons Ale n tvel t y alo m ant i t Youn r a Col r tr a i y, he s i an hat ge nd o ado Ri r a t nton docrne a y. ve bse i ti s ppl Be aus la ee w ih D ef nt 's a u e of lm ia i r a oni l do notr a t abs e i c e gr t enda s t t t i t tons e s ng, e ch he t nton is s ue. LEG A L STA N DA R D A motont dimisu rRul 1 b)6 c le t l ls fcenc ofacompl nt i o s s nde e 2( () halnges he ega ufii y ai . Se F d R, v. 1 ()6) l a s si telg ls fiin yo ac mp an ' alg t ns t e e e . Ci P. 2b ( . n se sng h e a u fce c f o lits l ai , h e o Cou ti bound t a yt pl di sa r a tcult d i Bel Atantc Cor v.Twombl, 550 r s o ppl he ea ng t nda d ri a e n l l i p. y U,. 4 ( 0 7 a dAs c o v I al 5 6U. 6 2, 7 ( 0 9 .Th t s t ec mp an S s . S 5 4 2 0 ) n h rh .qb , 5 S. 6 6 8 2 0 ) a i,h o litd t . mu . co an s fcen f c ua m at r a c pt d a tue,t çt t a cai t r le t ti plusbl on nt i ufi i t a t l te , c e e s r o sa e l m o e if ha s a i e isfc '' Am.De alAs ' v Ci Cop. 605 F. 1 t a e.' nt sn . gna r , 3d 283,1 ( 1h Ci.201 ( i 289 1 t r 0) quotng Twomby,550U. a 570) ç s s a i t r or pe te whe ont ba i ofadipostve l S. t . ' mis l s heef e nnitd n he ss Di s ii is ofl w,no c tuc i oft f t alega i wils s ue a onsr ton he acual l tons l uppor t c e ofaci ' Gl er t he aus ton.' ov p fi t Gr ,l ,459F. 1 4,1 ( 1h Ci.2006)(ntr quot i omitd)(ii . gget p. nc. 3d 30 308 1 t r i enal atons te ctng Ma s alC/ ## o u .v M a s a l z Ga Dit 9 2F. d 1 71 1 7 ( 1hCi. 9 3 ) r h l z, . fEd c . r h l C/. s s. 9 2 1 , 1 4 1 t r 1 9 ). , W he r viwi a moton t dimis a c tm us c tu pl ntf s c pl nti t n e e ng i o s s , our t onsr e ai if om ai n he lght mos f vor bl t pli if a t ke t e f t al al ga i satd t r i as tue. Se i t a a e o antf nd a h ac u le tons t e he e n r e Erc on v Pa du ,551U. 89,93 ( ) Chrso ikï . r s S. 2007 ; itpherv Har r 536 U. 403,406( . buy, S. 2002) ; Br o , v Ble Cr s t Bl e Shed o Fl. I c,1 6 F.d 1 6 1 6 ( 1h Ci. 1 9 ) o k . u o s f u il f a, n . 1 3 3 4, 3 9 1 t r 9 7 . s Howe r pladi t tta e no mor t n conc usons a e not e il t t a s ve , e ngs ha tr e ha l i .r ntted o he s umpton of i 3 tut W hie lgal c l i c n p o de t fa e k of a c r h. l e oncusons a r vi he r m wor ompl n , t y mus be ait he t s uppore by f t a lga i v' I al 55 U. a 678;s e alo Si tai v.Coc col td acual le tons' qb , 6 S. t e s nalr nal a- a Co. 578 F. 1 , 3d 252,1 ( 1h Ci,2009 (ttng t a unwarntd de ton offc i no 260 1 t r ) sai hat n ra e duci at s t c i r tuef pur eofdeemi ngwhehe acai i Igalys fcint. onsdeed r or pos tr ni t r l m s e l ufi e ) Gene a l a pl ntf i notr quie t de a lal t f c supon whi he bas hi cli . r ly, ai if s e r d o t i l he a t ch es s am Fe R,Ci P.8()2) t r Rul 8a ( rquiesas t ndpl nsae ntoft cli t t d. v. a( ,Rahe , e ()2) e r hor a ai ttme he am ha f il no ii st de e ntofbot t cli a t s ary tfe he f nda h he am nd he uppori gr tng ounds Twombl 550U . a . y S. t 5 5 5 . Ho v r fk l 8 a ()silr q ie a lh wig, rt e t a a b a k ta srin o 5 -6 we e , s ue ( )2 tl e ur s s o n ' ah r h n ln e se t , f l o e il me t r le .'I a 55 n. Pli ifs S i aton t pr de t ç ounds of hi ntte nt o ei f' d t 6 3. a ntf' d g i o ovi he gr obl ' s t ntte e t r le r r m or t n lbel a c l i , af m ul cr iai oft e ilm nt o e if equies e ha a s nd oncusons and or ai ect ton he eeme sofaca eofa ton wilnotdo. l a 555 ( tton omit . i cua ale tons l nt us ci l ' d. t ' ciai ted) s t l lgai Fa mu t ee o g t rieg litf s rg tt rle a v t s e uaielve, n tea s mpi n s b n u h o as panif l ih o eif bo e he p c ltv e l o h su to t tal oft a l a i i t compl i a etue. 1 ha l he leg tons n he ant r r ' d. ' D I U SSI N SC O The De aat y J clr or udgme Ac (he i A' ii nota i pe nts r offde a nt t t i ' ks DJ ) n nde nde ouce e r l j rs ito ' Sc il g v ges 36 U. 6 6 6 7 ( 9 0 (iig Sk l Oi Co v Phii u idcin. hli .Ro r , 3 S. 6 , 7 1 6 ) ct ' n n el l . . lps y l Per lu Co, 3 U.. 6 ,6 ( 9 0 ) u , o afd r lc u t obea et a j diaea to e m .3 9 S 6 7 71 1 5 ).Th s f r e e a o r t bl o du c t nd de l r pa tes rght unde t DJ a c c a e ri ' i s r he A, ompli mus alege a sandal bass f f r l ant t l t one i or ede a j rs ito ,du ha t e se c o dv riyo tep e e tto o afdea q eto . Bo d n u idcin i c s he xitn e f ie st r h rs n ain f e r l u si n' r e s ' v Kaz n,8 1F.d 1 35 1 3 ( 1h Ci.1 8 ) Th bai f rs b e tmatrj rs ito i . tma 8 2 0 , 0 7 1 t r 9 9 . e ss o u j c te u idcin n t s c e i a alege vi a i of TI , pr e i a f r que ton. And s nc t DJ hi as s n l d ol ton LA es ntng ede al s i i e he A i ratsar dy,notaca eofaci 'Buc v Am.Ailne ,I . 476 F. 29,33,n. ( t t e e eme c us ton,' k . ri s nc, 3d 3 1s Ci.2007 ,t vibiiy oft sdeca aor r i aci wilt n on t vibiiy ofPli ifs r ) he a lt hi lr t y elef ton l ur he a lt antf 4 f u sa tv ( LAIcams' fo g v Wel Fa g Ba k A. - F.Ap x ' b tn ie TI s li , ' n . l r o n ,N. , s p' - , 201 W L 6 6803706,a * ( 0hCi. 6) t 2 1 t r 201 . De e nt ar t tt ec am sar f e os d by TI ' saut oflm iai . TI f nda s gue ha hos l i e or cl e LA S t t e i t tons LA e tbls s a wi dow of i sa ihe n ' ye fom t da e of t oc ur e e of t vi ai ' f r a one ar r he t he c r nc he ol ton' o potnta pl nift brng s t 1 U. C.j 1 e) Pli ifsCompl nta Res ecie e il aitf o i ui. 5 S. 640( . antf ai nd pons t Je i k v Countywi Home Loans I . 1 S.Ct 79 ( 1 ) f t pr ii t ta snos i . r de , nc, 35 . 0 20 5, or he oposton ha borowe has t e yea s fom t e dae t ta a ton occ r d t tmel r ci a c edi r r hr e r r h t he r ns c i ure o i y es nd r t ta a ton. Buta mos ,Je i kim ove bac by t e ye r t dae t ta vi ai n unde r ns c i t t snos d k hr e a s he t ha olto r cc ual rod s he a he t t t i t i ns i TI a c ue 2 The a r pe i i nott s m east sa u eoflm iato perod. A n a ton LA c r d. ci u e TI mus silbefld wihi oneyea ofa vi aton' oc r nce ncePl ntf maie nd r LA t tl ie t n r ol i s cure .Si ai if ld a notc o r c s i on Oc obe 2,2009,De e nt vi aton ar bl oc ured as l t as ie f es i son t r f nda s' ol i gua y c r ae Oc o 23,2009 - t day t 20 da wi t ber he he y ndow f a lndert r pond t a r c s i notc or e o es o es i son i e cl ed,1 U. C.j 1 b) Evenunde t ts nai Pli ifne d t fl ac antby os 5 S. 635( . r ha ce ro, antf ede o ie ompli Ocober23,201 t s if TI Ss aut oflmia i , He di notdo s Ac or ngl hi t 0 o atsy LA' tt e i t tons d o. c di y, s TI cli ,a t e or as hi DJ a i i tme- red. LA am nd her f e lo s A cton, s i ba r Pl ntf at mpt t sde se t sa u e of lm ia i ba r by dr wi a ditnc i ai if te s o i - tp he t t t i ttons nie a ng si ton bewe a aci f damage a onef deca aor rle .I hi viw,j 1 e)sone- r t en n ton or s nd or lr t y eif n s e 640( ' yea wi ndow a is f cai s s eki damag ,butc am s u rt DJ whih ofe s e tbl pple or l m e ng es l i nde he A, c f r quia e r if c n be br ele , a oughtatany tm e, l t sway,apl i ifca bootta a ot r s tme- re i n hi antf n sr p n he wie i ba r d TI kc an ont a de a a or a ton.Fis,e n a e i t spr L/ l in o clr t y c i rt ve cc ptng hi oposton,Pl ntf ha as d ii ai if s ke f c pe a or da a s i hi Com pl i , m a ng t i t nt s t one f bot l al a or om ns t y m ge n s a nt ki he ns a ui or h eg nd 2Alhough e t i e enc i s c a i be us not ng i t opi on die ty e t d t t ven hat nf r e s pe ultve, ca e hi n he ni r c l qua e he notc ofr s ison - ora lnde ' f l e t r s ie e c s i e rs aiur o e pond t r o - wih a S ol ton.' The opi on he et t k ai ' vi ni m e e y ditngui he t pe i f r ci ng t t a a ton wih t perod f f lng s t r l s i s d he r od or es ndi he r ns c i t he i or ii ui . Je i s ,1 S.Ct a 79 s no ki 35 . t 2. 5 e t bl r i . Se ond,Pli if st or i i onsse wih t ba i pr m ieoft DJ As quia e elef c antf he y s nc itnt t he sc e s he A. pr vi l dic s a r ques f deca a or r i f iswhen t s t ntve cai on whih i e ousy s used, e t or lr t y elef a l he ubsa i l m c t r isf l a ama troflw .fon 201 W L 6803706,a # ele ais s te a g, 6 t 2. Nor i t e any e e i f r dimis l t t r s t fom pr dur l ba s s h as a s her xc pton o s s a s ha e ul r oce a r , uc sa u e of lm ia i ,as oppos d t a r i on t m e is I tt t i t tons e o ulng he rt . nvoki t çc ur e r m e ng he 'onc r nt e dy doc rne' t Elve h Cicui ha s cii ly he d t t S r a pa t s l galr m e es a e ti ,' he e nt r t s pe fcal l ha i e whe ry' e e di r tme ba r t tpary' c uren e t bl cai sge r ly a e ba r d' aswel Nat Par s i - red, ha t s onc r t quia e l m ne al r re ' l. 1 k ( Cons r aton As ' v.Te s e Vale Xl/l// 5 F.d 1 6,1 ( 1h Ci.2007) f ev i sn nne s e ly f/tr/ 02 3 31 326 1 t r y, ( anif 'camsa an tTVA f rd caao y a d ij n tv r l ft - ar d e e t ug , plit s li g is f o e lrt r n nu cie ei i b re v n ho h e me nomi l saut oflmiai onl a idt l lr it acc dSira Cl v Oka.Gast naly, tt e i ttons y pple o ega ele); or er ub . l f El .Co. 81 F, 666,675 ( 0t Ci.201 ;Al antv Ev r e n V ly Nure is Lt ec , 6 3d 1h r 6) gr . e gr e ale s re d, P'hp,1 6F,d 1 ,1 4 8 ( dCi.1 9 ) fe ad I . .Ci o l De e t 9 8F.d 6 0 s i 2 3 78 8 - 5 3 r 9 7 ; v l nc v t fpa m s r, 9 2 8 , y 6 8 8 ( t Ci.1 9 ) Gib r v Ci o mb ige 9 2 F.d 51 5 ( s Ci.1 91 ; e alo 8 - 9 9 h r 9 3 ; l e t , t fca rd , 3 2 , 7 1t r 9 ) s e s y r wno a geo v Go s c 71 F.d2 , 14 ( dCi.1 8 )(o n t s mec n l in, c for n twn . r u h, 8 2 9 4 - 2 2 r 9 3 c mig o a o cuso buti nar rco e ofsae lw)3 Re di ae ç onc rnt'notonl whe t e tbl n rowe ntxt tt a . me es r ç ure ' c y n he quia e r le i us t a hive t s me t l a e f t' t tcvi pe lis woul t r t butalo e if s ed o c e he a ' s nd fec s' ha i l nate goa d a ge , s when a ta ton a l w ore t c d bebr ny tc i t a quiy oul oughton t s m ef t.' Nat'paro'502 F. a he a ac s' 1 /, 3d t 1 ( i Unie St e v.Telri Co. 1 F. 1 327 quotng td ats lu de , 46 3d 241,1 48,n.2 ( t Ci.1 ) 2 1 10h r 998). t sca e,t f c sr lva t Pl ntf sTI c am ha a loc ur e by Oc obe 2009. Pl ntf hi s he a t ee nt o ai if LA l i d 1 c r d t r ai if 'l i a s no e orhy t t whe co r e pr i el w ih tm e ba r d TI cl i s t Fit t s l o t w t ha n nfont d ec s y t i - r e LA a m , he fh Cic t ne tvey c r t ied a pot tal exc pton t eo bas d on deca aor r if r ui gai l ha acerz ny en i e i her t e lr t y ele , wrtng,Gll lnt ofe no agume sorbrefng t s s t tadecaao yj ii iappela s fr r nt i i o ugge t ha lrtr udgme c n nt a be us t a d a e de t sat e of lmia i on t s t ntve cai . Va ed o voi nd va he t ut i ttons he ubsa i l m ' ' lcom Ac usdo sT u tv Wel Fa g Ba k Na 1As ',4 8 F.Ag x 31 ,31 (t Ci.2 1. q ii n r s . ls r o n , t sn 2 p' 3 4 5h r 01 ) Howe ,be a e t pl ntfs i t tc e di nota gue t pol on a ver c us he ai if n ha as d r he nt ppea ,t Fit Cic t l he fh r ui c i r d t is d wa ve 1 onsde e he s ue i d. d. 6 c d ha as e td l la orequia e r ifon t e f c sf up t ayea a tr r bu ht oul ve s re ega nd/ t bl ele hes a t or o r fe wa d, t c e nott do s As a c e nce he ca hos o o, ons que , nnotc r umve tt tme- r i ey by dr pi ic n he i ba i l mer a ng (i)cam i teri n o t eDe lrtr J dg n Ac. Al a t 1 6F.d a 1 5( i to s h s li n h ame t f h caao y u me t t' gr n , 2 3 t 8 ct in ' a a aleai omitd) nd trtons te . I i he e ORDERED a ADJUG ED t t De e t s r by nd ha f ndant Ame ian Home M o t ge s rc rga Com .d b a Am e i a Br r Condui, M orgag El toni Regita i Sys e , I ,a // rc n oke s t t e ecr c sr ton t ms nc. nd De s Ba Na i utche nk tonalTr tCompa sM oton t Dim is Compli t ori t Ale a i us ny' i o s s a n , n he t m tve, t Absai ( 1 i GRANTED. Pli if St n L.Cook' Compli i DI I o t n DE 9) s antf ephe s ant s SM SSED W I PREJUDI TH CE, The Clr ofCour s lCLOSE THI CASE a DENY alpendi ek t hal S nd 1 ng m otons A S M O O T . i DONE AND ORDERED i C a esa s Pl ec, lrd,ti/ dyo n hmbr, t t am ah Foia hsz a f A prl 2 7. i, 01 LD M .M I D LEBROO K S D UNI TED STA TES D I STRI J D GE CT U A1 Couns lofRe or l e c d 7

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