Dzvonick v. JP Morgan Chase et al

Filing 31

ORDER Denying 30 Motion for Sanctions Against the Defendants for Federal Code Violations. Signed by Magistrate Judge Peggy A. Leen on 3/22/12. (Copies have been distributed pursuant to the NEF - MMM)

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1 2 3 4 5 UNITED STATES DISTRICT COURT 6 DISTRICT OF NEVADA 7 8 9 10 11 TERRANCE LEE DZVONICK, ) ) Plaintiff, ) ) vs. ) ) JPMORGAN CHASE, ) ) Defendant. ) __________________________________________) Case No. 2:10-cv-0598-GMN-PAL ORDER (Mtn for Sanctions - Dkt. #30) 12 13 This matter is before the court on Plaintiff Terrance Lee Dzvonick’s Motion for Sanctions 14 Against the Defendants for Federal Code Violations (Dkt. #30) filed March 13, 2012. The court has 15 considered the Motion. 16 Plaintiff filed the Complaint (Dkt. #1) in this case on April 26, 2010, and amended it on June 17 25, 2012. See Amended Complaint (Dkt. #14). His Amended Complaint alleges that he obtained a 18 loan from Washington Mutual Bank on September 26, 2006, secured by property located at 4982 19 Shirley Street, Las Vegas, Nevada, 89119 (the “Property”). Subsequently, Plaintiff defaulted on his 20 mortgage payment, and eventually, the Property was sold at a non-judicial foreclosure sale in February, 21 2010. On September 6, 2011, Defendants Washington Mutual, National Association, and Nevada Legal 22 News under Rule 4(m) of the Federal Rules of Civil Procedure for failure to effect timely service. 23 There is currently a Motion to Dismiss (Dkt. #23) and a Motion to Expunge Lis Pendens (Dkt. #24) 24 under submission to the district judge. 25 The instant Motion requests an order entering sanctions against Defendants for failing to respond 26 to questions he presented in a qualified written request (“QWR”). He contends Defendants did not 27 acknowledge they received the QWR as required by 12 U.S.C. 2605(e)(1)(A) and Reg. X. 28 § 3500.21(e)(1). Plaintiff makes various claims concerning Defendants’ “lack of standing in this court” 1 and “lack of standing in the Note and Deed of Trust,” contending Defendants did not have authority to 2 foreclose on the Property. Plaintiff believes the Note was securitized and sold to a Wall Street 3 investment company, and Defendants could not have acquired the Note from the FDIC. He contends the 4 only way to prove Defendants did not own the Note and Deed of Trust is to receive responses to his 5 QWR. He resent the QWR on March 8, 2012. He requests expedited responses to the QWR, along with 6 leave to amend the Complaint after he receives information from Defendants. 7 Plaintiff is correct that 12 U.S.C. § 2605 allows a borrower to send a QWR to his loan servicer, 8 including his account number and a statement of the reasons he believes his account is in error. 9 Alternatively, the request may also seek other information, provided the borrower states sufficient detail 10 regarding that information. 12 U.S.C. § 2705(e)(1)(B). The servicer is then required, within sixty days, 11 to make appropriate corrections to the borrower’s account and send the borrower notification of any 12 corrections. Additionally, after conducting an investigation, the servicer must send a written explanation 13 to the borrower that includes a statement of reasons the account is correct, the name of the person at the 14 servicer’s place of business who can assist the borrower, and the information requested by the borrower 15 or an explanation why the information cannot be obtained by the servicer. 12 U.S.C. § 2705(e)(2). 16 Plaintiff’s Motion, however, is a procedurally-flawed attempt to assert an additional claim 17 against Defendant JPMorgan Chase for an alleged violation of 12 U.S.C. § 2605(e). Plaintiff cannot 18 raise a new legal cause of action against a Defendant by motion. If he wants to bring another claim 19 against Defendant, he must seek leave of court to file a second amended complaint pursuant to Rule 20 15(a)(2) because Defendant JPMorgan Chase has filed a responsive pleading. See Motion to Dismiss 21 (Dkt. #23). 22 Accordingly, 23 IT IS ORDERED that Plaintiff’s Motion for Sanctions (Dkt. #30) is DENIED. 24 Dated this 22nd day of March, 2012. 25 26 27 ________________________________________ PEGGY A. LEEN UNITED STATES MAGISTRATE JUDGE 28 2

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