ANDREOTTI v. OCWEN et al
OPINION. Signed by Judge Claire C. Cecchi on 1/19/2016. (mfg, )
NOT FOR PUBLICATION
UNITED STATES DISTRICT COURT
DISTRICT OF NEW JERSEY
Civil Action No.: 15-3475 (CCC-MF)
OCWEN and JOHN DOE(S) 1-10 and
ABC INC 1-10,
CECCHI, District Judge.
This matter comes before the Court on a motion of Defendant Ocwen Loan Servicing
(“Ocwen” or “Defendant”) to dismiss Plaintiff Gianfranco Andreotti’s (“Plaintiff’) Complaint for
failure to state a claim pursuant to Federal Rule of Civil Procedure 12(b)(6). (ECF No. 5.) Plaintiff
did not file a response to the motion. The Court decides the motion without oral argument pursuant
to Federal Rule of Civil Procedure 78. For the reasons set forth below, the Court grants the motion
Plaintiff purchased the premises at 327 Roff Avenue, Palisades Park, NJ (the “Subject
Property”) on March 15, 2001. (Compl.’
On November 24, 2006, Teresa Andreotti (who is
not a party to this lawsuit) executed a note with Gateway Business Bank (“Gateway”).
‘ECF No. 1-1
¶ 7; see Messinger Decl.2 Ex. A.3)
To secure payment on the note, Theresa Andreotti and
Plaintiff Gianfranco Andreotti executed a mortgage (the “Mortgage”) on the Subject Property to
Mortgage Electronic Registration Systems, Inc., Acting Solely as Nominee for Gateway
see Messinger Decl. Ex. B.) On April 20, 2009, the Mortgage was
assigned from MERS to Bank of America, National Association, as successor by merger to LaSalle
Bank National Association, as Trustee Under the Pooling and Servicing Agreement Dated as of
february 1, 2007, GSAMP Trust 2007-Nd, Mortgage Pass-Through Certificates Series 2007-NCI
(“Bank of America”). (Compi.
¶ 7; see Messinger Decl. Ex. C.)
Plaintiff alleges that the Mortgage was subsequently assigned to [Ocwen] Loan Servicing.
(Compi. ¶ 7.) Defendant’s brief, however, states that on April29, 2013, the Mortgage was assigned
from Bank of America to U.S. Bank by an Assignment of Mortgage. (Compl. ¶7; see Messinger
Deci. Ex. D.) On the Assignment of Mortgage, the address provided for the assignee, U.S. Bank,
is “do Ocwen Loan Servicing, LLC. 1661 Worthington Road, Suite 100, West Palm Beach, FL
33409.” (Messinger Decl. Ex. D.) Elsewhere in the Assignment of Mortgage, Ocwen is referred
to as the “Attorney in Fact” for Bank of America. (Id.)
Plaintiffs Complaint alleges that the Mortgage “was never fully funded, and they never
received any proceeds from that mortgage.” (Compl.
provided by the lenders[sic] attorney
8.) Plaintiff states that “the records
indicate that the loan was in default not later than
October 1, 2008, when the lender scheduled a sheriff sale.”
In evaluating a motion to dismiss, a district court can consider the allegations in the complaint,
any exhibits attached to the complaint, matters of public record, and documents upon which the
plaintiffs complaint is based. Pension Benefit Guar. Corp. v. White Consol. Indus., 998 F.2d
1192, 1196 (3d Cir. 1993). Each document submitted by Defendant as an exhibit to the Messinger
Declaration is properly considered by this Court, either because it is a matter of public record or
because it was directly relied upon by Plaintiff in the complaint.
This is also the address provided for the assignor, Bank of America.
Defendant’s brief, this statement refers to a letter (purportedly attached as Exhibit A to the
Complaint) that was sent to Plaintiffby Avelo Mortgage, LLC regarding a foreclosure action. (See
Def. Br.5 at 3.) Plaintiff further states that “for reason[sic] that are unknown a complaint was again
filed June 11, 2009, to foreclose on the property.” (Compi.
For a complaint to avoid dismissal pursuant to Rule 1 2(b)(6), it “must contain sufficient
factual matter, accepted as true, to ‘state a claim to relief that is plausible on its face.” Ashcrofi
v. Iqbal, 556 U.S. 662, 678 (2009) (quoting BellAti. Corp. v. Twombly, 550 U.S. 544, 570 (2007)).
When evaluating the sufficiency of a complaint, Courts are required to accept all well-pleaded
allegations in the Complaint as true and to draw all reasonable inferences in favor of the nonmoving party. Phillips v. Cnty. ofAllegheny, 515 F.3d 224, 231 (3d Cir. 200$). Furthermore, “[a]
pleading that offers labels and conclusions or a formulaic recitation of the elements of a cause of
action will not do. Nor does a complaint suffice if it tenders naked assertions devoid of further
Iqbal, 556 U.S. at 67$ (internal citations and quotations omitted).
Accordingly, “a complaint must do more than allege the plaintiffs entitlement to relief. A
complaint has to ‘show’ such entitlement with its facts.” Fowler v. UPMC Shadyside, 578 F.3d
203, 211 (3d Cir. 2009).
The Federal Rules of Civil Procedure contain a heightened pleading standard for claims of
fraud. Fed. R. Civ. P. 9(b) (“In alleging fraud or mistake, a party must state with particularity the
circumstances constituting fraud or mistake.”). The Third Circuit has stated that “[t]o satisfy the
particularity standard, the plaintiff must plead or allege the date, time and place of the alleged fraud
or otherwise inject precision or some measure of substantiation into a fraud allegation.” Feingold
ECF No. 5-2
Graff 516 F. App’x. 223, 226 (3d Cir. 2013) (internal quotation omitted).
A. New Jersey Consumer Fraud Act (Count II)
Defendant argues that Plaintiffs New Jersey Consumer Fraud Act (“NJCfA”) claim fails
to state a claim. For the following reasons, the Court agrees with Defendant.
There are three elements in a claim for violation of the NJCFA: (1) unlawful conduct by
the defendant; (2) an ascertainable loss by the plaintiff; and (3) causation. Ciccone v. World Say.
Bank, F.S.B., No. 12-1661, 2013 U.S. Dist. LEXIS 68973, 28-29 (D.N.J. May 15, 2013). To
survive a motion to dismiss, these elements must be pleaded with particularity. Id. at 25-26.
Here, Plaintiff has not pleaded (with the particularity required by Rule 9) facts sufficient
to show any of the elements of a claim under the NJCFA. First, Plaintiffs only allegation is that
Defendant, a loan servicing company, sent notices to Plaintiff regarding the Mortgage. (Compl.
at Count II.) This allegation, even if true, does not suffice to show unlawful conduct by the
Defendant—and certainly not the type of unlawful conduct contemplated by the statute. See N.J.
§ 56:8-2 (“unconscionable commercial practice, deception, fraud, false pretense, false
promise, misrepresentation”). Second, Plaintiffs general allegation about what occurred “over
the years” (see Compl. at Count II) does not sufficiently plead the date, time and place of the
alleged fraudulent activity. And third, Plaintiff has not pleaded any facts that purport to show an
ascertainable loss, let alone a loss caused by Defendant. The Complaint, therefore, fails to state a
claim under the NJCFA.6
B. Fair Debt Collection Practices Act (Count III)
Defendant argues that Plaintiffs Fair Debt Collection Practices Act (“FDCPA”) claim fails
Defendant also moves to dismiss on the basis that the NJCFA claim is time barred. Because the
Complaint fails to state a claim, the Court need not reach the statute of limitations argument.
to state a claim. Plaintiffs Complaint fails to plead facts sufficient to state a claim under the Fair
Debt Collection Practices Act. For the following reasons, the Court agrees with Defendant.
There are two elements in a claim for violation of the FDCPA: “(1) the defendant is a ‘debt
collector,’ and (2) the defendant debt collector engaged in prohibited practices in an attempt to
collect a debt.” Ciccone, 2013 U.S. Dist. LEXIS 68973 at *41. Regarding the second element, “a
violation of a provision of the FDCPA requires a discrete act; that is, an identifiable incident
wherein the plaintiffs rights under the Act were violated.” Huertas, 2009 U.S. Dist. LEXIS
89903, at *8.40. Moreover, a showing that the defendant engaged in a prohibited practice has
been called a “threshold requirement.” See Whittingham v. Mortg. Elec. Registration Servs., No.
06-3016, 2007 U.S. Dist. LEXIS 33476, at *7 (D.N.J. May 15, 2007).
While the FDCPA is a remedial statute that is designed to protect the “least sophisticated
debtor,” the law does not create a blanket prohibition on sending collection letters and notices.
Wilson v. Quadramed Corp., 225 F.3d 350, 3 54-55 (3d Cir. 2000). Rather the statute preserves “a
quotient of reasonableness.” Id. The Third Circuit has made clear that it is important to rule on
FDCPA cases in a way that does not “frustrate Congress’s intent to ‘insure that those debt
collectors who refrain from using abusive debt collection practices are not competitively
disadvantaged.” Campuzano-Burgos v. Midland Credit Mgmt., 550 F.3d 294, 299 (3d Cir. 2008)
(quoting 15 U.S.C.
§ 1692(e)). Ultimately, there must be a showing that the debt collection
practices were abusive or harassing. Cf Clark v. Franklin Collection Serv., No. 14-8067, 2015
U.S. Dist. LEXIS 70944, at *5 (D.N.J. June 2, 2015).
Here, the Complaint does not allege any discrete act wherein Plaintiffs rights were
Moreover, Plaintiffs allegation that the “debt
 is not actually due” (see Id.) is
contradicted by the remaining facts in the Complaint as well as the documents upon which the
Complaint relies. (See Messinger Deci. Exs. A-D.) Although Plaintiff has alleged that Defendant
sent Dunning notices, there is no allegation that such notices were abusive or harassing. Thus,
because Plaintiff has pleaded no facts that would support the allegation that Defendant “used
deceptive means to collect [the] debt” (see Compl. at Count III), this Court need not accept that
conclusory allegation as true. See Robinson v. New Jersey, No. 11-6139, 2013 U.S. Dist. LEXIS
104829, at *15 (D.N.J. July 26, 2013) (citing fowler v. UFMC Shadyside, 578 F.3d 203, 210-11
(3d Cir. 2009)). The Complaint, therefore, fails to state a claim under the FDCPA.7
C. Declaratory Judgment (Count I)
New Jersey law allows for courts to issue declaratory judgments. See generally N.J. Stat.
§ 2A: 16-50 et seq. However, because the FDCPA claim has been dismissed for failure to
state a claim, there is no remaining federal question in this litigation. This Court may decline to
exercise subject matter jurisdiction over the state law claim for declaratory judgment once the
federal claims have been dismissed. 28 U.S.C
§ 1367(c)(3); see Sheehan v. Mellon Bank, N.A.,
Case No. 95-2969, 1996 U.S. Dist. LEXIS 14725, at *19 (E.D. Pa. Sept. 30, 1996). Accordingly,
the declaratory judgment claim will be dismissed.
Having reviewed the parties’ submissions, the Court grants Defendant’s motion to
dismiss. An appropriate Order accompanies this Opinion.
Dated: January 19, 2016
ètAIRE C. CECCHI, U.S.D.J.
The Court need not reach Defendant’s statute of limitations argument with respect to the FDCPA
claim since the claim will be dismissed for failure to state a claim.
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