Taylor v. JPMorgan Chase Bank, N.A.
Filing
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ORDER denying 60 Motion to reinstate ; denying 64 Motion. Signed by Magistrate Judge H Bruce Guyton on 5/31/2019. (Copies mailed to: Ronald Taylor,335 Ridgeview Drive, Clinton, TN 37716) (KMK)
UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF TENNESSEE
AT KNOXVILLE
RONALD TAYLOR,
Plaintiff,
v.
JP MORGAN CHASE BANK, N.A.,
Defendant.
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No. 3:15-CV-509-HBG
MEMORANDUM AND ORDER
This case is before the undersigned pursuant to 28 U.S.C. § 636(c), Rule 73 of the Federal
Rules of Civil Procedure, and the consent of the parties, for all further proceedings, including entry
of judgment [Doc. 12].
Now before the Court is Plaintiff’s Motion to Reinstate [Doc. 60] and Plaintiff’s Motion
[Doc. 64], requesting immediate relief from Defendant’s abuses and malicious misconduct.
Defendant has responded in opposition [Doc. 61, 65] to both Motions. The Motions are ripe for
adjudication. Accordingly, for the reasons further explained below, the Court DENIES Plaintiff’s
Motions [Docs. 60, 64].
I.
BACKGROUND
Plaintiff filed a breach of contract case alleging that Defendant misapplied funds in his
mortgage escrow account to pay insurance. Specifically, Plaintiff obtained a mortgage loan to
finance the purchase of real property (“Property”). Plaintiff executed a promissory Note that was
secured by a Deed of Trust encumbering the Property. Pursuant to paragraph 5 of the Deed of
Trust, Plaintiff was required to purchase insurance on the Property for losses by fire and other
hazards.
Defendant sent Plaintiff several letters regarding the requirement to purchase insurance for
the Property. When Plaintiff did not respond, Defendant purchased a lender-placed insurance
policy (“LPI Policy”). Plaintiff later reported to Defendant that he had purchased an insurance
policy on the Property from State Farm.
Due to the lapse in coverage, however, an
escrow/impound account was required. Defendant canceled the LPI Policy and began making
premium payments for the State Farm policy from the loan’s escrow account from 2011 to 2014.
The State Farm renewal certificates from July 2, 2010, through July 2, 2013, show that
State Farm insured Plaintiff’s Property. With respect to the renewal certificates for July 2, 2013,
through July 2, 2014, and July 2, 2014, through July 2, 2015, the property listed as the insured
premises is 129 Princeton Avenue, Oak Ridge, Tennessee 37830-7522. The 129 Princeton Avenue
address is listed as Plaintiff’s mailing address on the previous renewal certificates. Plaintiff is
unaware of who made this change.
In October 2014, Plaintiff discovered that someone broke into the Property and stole
personal property. He contacted State Farm, and State Farm told him that he did not have a policy
on the Property. Later, on February 20, 2015, State Farm sent Plaintiff an “Acknowledgment of
Cancellation Request,” stating that per Plaintiff’s request, the policy had been canceled effective
as of July 2, 2010, and State Farm issued Plaintiff a refund check in the amount of $2,489.68 for
the premiums paid. Defendant was later informed by State Farm that the State Farm policy covered
the property located at 129 Princeton Avenue. Defendant requested that Plaintiff send it the refund
check in order to deposit in his escrow account to avoid or offset a possible shortage. Defendant
declined Plaintiff’s request to refund the payments that Defendant sent to State Farm.
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Defendant moved for summary judgment, arguing that Plaintiff could not establish that it
breached the contract under the facts of this case. The Court agreed with Defendant and entered
summary judgment in its favor.
Plaintiff has now moved the Court to reconsider and for other relief.
II.
POSITIONS OF THE PARTIES
The Court will summarize the parties’ positions outlined in their Motions.
A.
Motion to Reinstate
Plaintiff requests that the Court reinstate his case. He states that the Court dismissed his
case over some technicality. Plaintiff asserts that the Court turned a blind eye to Defendant’s
felonies. Plaintiff states that the previous Order implied that the undersigned had ex parte
conversations with Defendant. Plaintiff asserts that the undersigned should recuse because the
Court has permitted Defendant to commit felonies. Plaintiff states that the Court has abused him.
Further, Plaintiff states that he has offered proof that Defendant unlawfully placed his entire
mortgage payment into escrow. Plaintiff states that Defendant refuses to correct this mistake.
Plaintiff states that the Court participated in Defendant’s crimes by failing to contact the Federal
Bureau of Investigations (“FBI”). Plaintiff states that the Court has not read his paperwork. He
submits additional documents and requests that the Court award him $1 million in punitive
damages and the deed to his home free and clear of all encumbrances. He argues that federal
mortgage law requires that his payments be applied as the sender intended them or to the principal
and interest prior to paying escrow. Plaintiff states that after the Court dismissed the case,
Defendant began repossession proceedings. Plaintiff has submitted a document titled, “Chase
Detailed Transaction History,” and a copy of 42 U.S.C. § 3631 and 18 U.S.C. § 656 for the Court’s
consideration.
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Defendant responds [Doc. 61] that Plaintiff’s Motion should be treated as a request
pursuant to Federal Rule of Civil Procedure 59(e). Defendant states that Plaintiff has not met the
requirements for relief under Rule 59(e) and that his Motion serves as an attempt to re-litigate
issues that the Court has previously determined. Defendant argues that Plaintiff’s accusations
regarding judicial bias and criminal activity are not valid grounds for reconsidering the Court’s
ruling.
B.
Motion for Immediate Relief [Doc. 64]
Plaintiff seeks immediate relief from Defendant’s abuses and malicious conduct.1 Plaintiff
states that Defendant misapplied funds on his mortgage account and that Defendant started
applying his payments to escrow. Plaintiff states that Defendant is trying to steal his home and
has sent threatening letters to repossess his home. Plaintiff argues that Defendant violated Dodd
Frank and alleges that Defendant locked him out of his account. Plaintiff requests ownership of
his home. Plaintiff asserts that he has timely paid payments for the principal and interest and that
he pays insurance and taxes out of his own pocket because he no longer trusts Defendant. Plaintiff
attaches documents, purportedly showing that Defendant misapplied his mortgage payments.
Defendant filed a Limited Response [Doc. 65], arguing that Plaintiff’s Motion has no basis
for relief, is frivolous, and ignores the Court’s prior guidance. Defendant requests that the Court
strike the motion and enter an order enjoining Plaintiff from filing any motions, pleadings, and
other documents without first obtaining leave of Court. Defendant argues that Plaintiff’s Motion
is similar to his previous six motions, which the Court struck. Defendant asserts that Plaintiff’s
Motion lacks any citations to the Federal Rules of Civil Procedure, does not explain the grounds
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The Court notes that Plaintiff requests that the appellate court grant immediate relief;
however, he filed the Motion in this Court, and therefore, the Court will address it herein.
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for the relief sought, and regurgitates his previous filings. Defendant requests, if the Court does
not strike the motion, that the Court order Plaintiff to file a more definite statement.
III.
ANALYSIS
The Court has considered the parties’ positions as outlined above, and for the reasons
further explained below, the Court DENIES Plaintiff’s Motions [Docs. 60, 64].
“[T]he Federal Rules of Civil Procedure do not explicitly authorize motions for
reconsideration.” Securities & Exch. Comm'n v. AIC, Inc., No. 3:11-CV-176, 2013 WL 12043469,
at *1 (E.D. Tenn. Sept. 19, 2013) (citing Hood v. Hood, 59 F.3d 40, 43, n.1 (6th Cir. 1995)). When
such a motion is filed, however, courts “commonly treat[] [it] as either a Rule 59(e) or a Rule 60(b)
motion.” Id. (citing Hood, 59 F.3d at 43 n.1). If the motion is filed within twenty-eight (28) days
after entry of judgment, courts “construe the motion as being raised under Rule 59(e).” Id (citing
Hood, 59 F.3d 43 n.1). Accordingly, the Court will review Plaintiff’s requests pursuant to Rule
59(e).
Rule 59(e) states, “A motion to alter or amend a judgment must be filed no later than 28
days after the entry of the judgment.” A district court may grant a Rule 59(e) motion to alter or
amend judgment only if there is: “(1) a clear error of law; (2) newly discovered evidence; (3) an
intervening change in controlling law; or (4) a need to prevent manifest injustice.” Henderson v.
Walled Lake Consol. Sch., 469 F.3d 479, 496 (6th Cir. 2006) (quoting Intera Corp. v.
Henderson, 428 F.3d 605, 620 (6th Cir. 2005)). “Rule 59 motions are not ‘intended as a vehicle
to re-litigate previously considered issues; should not be utilized to submit evidence which could
have been previously submitted in the exercise of reasonable diligence; and are not the proper
vehicle to attempt to obtain a reversal of a judgment by offering the same arguments previously
presented.’”
AIC, Inc., 2013 WL 12043469, at *1 (quoting Kenneth Henes Special Projects
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Procurement v. Cont'l Biomass Indus., Inc., 86 F. Supp. 2d 721, 726 (E.D. Mich. 2000), aff'd sub
nom. Kenneth Henes Special Projects Procurement, Mktg. & Consulting Corp. v. Cont'l Biomass
Indus., Inc., 68 F. App'x 630 (6th Cir. 2003)).
As an initial matter, Plaintiff requests in his Motion [Doc. 60] that the undersigned recuse
from this matter. Plaintiff argues that the Court participated in felonies by ruling in favor of
Defendant and that the last letter Plaintiff received indicates that the Court had ex parte
conversations with Defendant.2 The undersigned does not find recusal necessary. It is unclear
why Plaintiff believes that the Court engaged in ex parte conservations with Defendant. In
addition, Plaintiff’s disagreement with the Court’s ruling is not a valid reason to recuse from this
case. As a number of courts have explained, a judge is not required to recuse himself “based on
the ‘subjective view of a party,’ no matter how strongly that view is held.” United States v.
Sammons, 918 F.2d 592, 599 (6th Cir. 1990) (quoting Browning v. Foltz, 837 F.2d 276, 279 (6th
Cir. 1988)). Accordingly, the undersigned declines to recuse.
Further, the Court finds that Plaintiff has not shown in either Motion the need to (1) correct
a clear error of law, (2) account for newly discovered evidence, (3) account for a change in the
controlling law, or (4) to prevent manifest injustice. Plaintiff argues that the Court dismissed his
case based on a technicality. Plaintiff’s case was not dismissed on a technicality. Instead, the
Court reviewed the parties’ filings with respect to the motion for summary judgment and found
that there were no genuine issues of material fact as to Plaintiff’s breach of contract claim. Plaintiff
attaches a Chase Detailed Transaction History, arguing that it shows Defendant unlawfully applied
his entire payment to escrow. These allegations were not part of his Plaintiff’s original breach of
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The Court believes that Plaintiff’s reference to the “last letter” is to the Court’s
Memorandum Opinion and Judgment [Docs. 58, 59], which were mailed to Plaintiff on December
13, 2018.
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contract claim. Plaintiff made such allegations in various motions but did not move to amend the
Complaint, even after the Court noted that Plaintiff’s requested relief was unclear. See [Doc. 53].
Further, Plaintiff does not point to any authority to support his position other than to assert
Defendant violated “federal mortgage law” and Dodd Frank. The Court acknowledges that
Plaintiff attached a copy of 42 U.S.C. § 3631 and 18 U.S.C. § 656 to his Motion, but both of these
statutes are criminal statutes, neither of which are referenced in Plaintiff’s Complaint. Cordell v.
Town of Signal Mountain, No. 1:13-CV-137, 2014 WL 5704662, at *4 (E.D. Tenn. Nov. 5, 2014)
(explaining that “42 U.S.C. § 3631, part of the Fair Housing Act, is also a criminal statute under
which there is no private cause of action”) (citing McZeal v. Ocwen Fin. Corp., No. 00-20817,
2001 WL 422375, at *2 (5th Cir. Mar. 29, 2001)) and Campbell v. M&T Bank, No. 3:16-CV-118,
2017 WL 1091939, at *5 (W.D. Pa. Mar. 22, 2017) (explaining that 18 U.S.C. § 656 provides no
private right of action).
Furthermore, Plaintiff’s Motion [Doc. 64] requesting immediate relief is similar to his
Motion to Reinstate. Many of Plaintiff’s allegations relate to events that are not part of his original
Complaint or constitute attempts to relitigate the issues. See Kenneth Henes Special Projects
Procurement, 86 F. Supp. 2d at 726 (explaining that a Rule 59(e) motion is “not the proper vehicle
to attempt to obtain a reversal of a judgment by offering the same arguments previously
presented”). Plaintiff has not identified a clear error of law, new evidence, a change in the law, or
the need to prevent manifest injustice. Accordingly, the Court finds Plaintiff’s request not well
taken.
Finally, the Court declines Defendant’s request for an injunction. The Court’s previous
admonishment stated that “any future filings unrelated to the preparation of this case under the
Rules will likely be summarily denied or stricken from the record.” [Doc. 53].
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Although the
Court will deny Plaintiff’s requests, the Court does not find that the instant filings warrant an
injunction.
IV.
CONCLUSION
Accordingly, for the reasons stated above, the Court finds Defendant’s Motion to Reinstate
[Doc. 60] and Plaintiff’s Motion [Doc. 64] are not well taken, and they are DENIED.
IT IS SO ORDERED.
ENTER:
United States Magistrate Judge
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