Griffin v. Bank of America, N.A.
Filing
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ORDER ADOPTING DE 45 and DE 46 REPORT AND RECOMMENDATIONS, Granting Defendant's Motion for Summary Judgment, Order Denying DE 48 Defendant's Motion to Dismiss and Order Dismissing Case with Prejudice signed by Judge John T. Fowlkes, Jr. on 6/24/15. (Fowlkes, J.)
IN THE UNITED STATES DISTRICT COURT
FOR THE WESTERN DISTRICT OF TENNESSEE
WESTERN DIVISION
RODNEY GRIFFIN,
Plaintiff,
v.
BANK OF AMERICA, N.A.,
Defendant.
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Case No. 2:14-cv-02335-JTF-tmp
ORDER ADOPTING THE MAGISTRATE JUDGE’S REPORT AND
RECOMMENDATIONS TO DENY PLAINTIFF’S MOTIONS TO ENJOIN AND TO
AMEND COMPLAINT AND ORDER ADOPTING THE MAGISTRATE JUDGE’S
REPORT AND RECOMMENDATION TO GRANT DEFENDANT’S MOTION FOR
SUMMARY JUDGMENT AND TO DISMISS CASE WITH PREJUDICE
Before the Court is Plaintiff’s pro se Motion to Enjoin Party and Motion for Leave to file
an Amended Complaint filed on November 12, 2014. (ECF No. 22 and ECF No. 23). Also
pending before the Court is Defendant Bank of America, N.A.’s (“BANA”) Motion for
Summary Judgment filed on September 12, 2014. (ECF No. 35). On April 30, 2015, all of the
motions were referred to the Magistrate Judge for Determination and/or Report and
Recommendation, pursuant to 28 U.S.C. § 636(b)(1)(B). (ECF No. 44). The Magistrate Judge
has issued reports and recommendations on all three motions to which no objections have been
filed. (ECF No. 45 and ECF No. 46).
I. FINDINGS OF FACT
On May 7, 2014, Plaintiff proceeding pro se filed a “Complaint to Restrain, Restrict,
Prohibit, and Set Aside Foreclosure” along with an application to proceed in forma pauperis.
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(ECF No. 1 and ECF No. 2). The Court adopts the proposed findings of fact contained in the
Magistrate Judge’s reports and recommendations. (ECF No. 9, ECF No. 45 and ECF No. 47). In
summary, based on BANA’s alleged failure to respond to his Qualified Written Request
(“QWR”), Plaintiff seeks reversal of the non-judicial foreclosure of his Millington, Tennessee
residence. The matter was referred to the Magistrate Judge who granted Plaintiff leave to
proceed in forma pauperis. Upon further screening, the Magistrate Judge also determined that
Plaintiff’s claim under the Real Estate Settlement Procedure Act, or “RESPA,” had been
sufficiently alleged. See 28 U.S.C. §§ 631-639, 28 U.S.C. §§ 1915(a) and (e), and LR 4.1(b)(2),
II. LEGAL STANDARD
Congress passed 28 U.S.C. § 636(b) “to relieve some of the burden on the federal courts
by permitting the assignment of certain district court duties to magistrate [judges].”
See e.g.
Baker v. Peterson, 67 Fed. App’x. 308, 311 (6th Cir. 2003) and Fed. R. Civ. P. 72(a). The nature
of the matter considered by the magistrate judge, dispositive or nondispositive, determines the
standard of review by the district court. See Fed R. Civ. P. 72(b)(3). “A district court normally
applies a ‘clearly erroneous or contrary to law’ standard of review for nondispositive preliminary
measures.” Baker, 67 Fed. App’x. at 310.
However, a district court judge must review
dispositive motions under the de novo standard. See Matthews v. Weber, 423 U.S. 261, 275
(1976); Baker, 67 Fed. App’x. at 311 and 28 U.S.C. § 636 (b)(1)(A). After review, the district
court is free to accept, reject or modify the proposed findings or recommendations of the
magistrate judge. See Thomas, 474 U.S. at 150.
Any party who disagrees with a magistrate judge’s recommendation may file written
objections to the report and recommendation. See Thomas v. Arn, 474 U.S. 140, 142 (1985);
Fed. R. Civ. P. 72 (b), 28 U.S.C. § 636(b)(1)(C) and LR 72.1(g)(2). When a party fails to timely
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object to a magistrate judge’s recommended decision, it waives any right to further judicial
review of that decision. Thomas, 474 U.S. at 149 n.7 and U.S. v. Walters, 638 F.2d 947 (6th Cir.
1981). Therefore, a district judge should adopt the findings and rulings of the magistrate judge
to which a specific objection is not filed. Brown v. Board of Educ. of Shelby County Schools, 47
F.Supp.3d 665, 674 (W.D. Tenn. 2014).
III. ANALYSIS
A. Report and Recommendation to Deny Plaintiff’s Motions to Enjoin and to Amend Complaint
On November 12, 2014, Plaintiff filed a “Motion to Enjoin Party,” namely Attorney
Rubin Lublin, and a [Motion for Leave] to Amend[] Complaint.” Defendant filed Responses in
Opposition on November 26, 2014. (ECF No. 22 through ECF No. 25). Rubin Lublin is the
attorney retained by BANA to handle foreclosure proceedings. On May 29, 2015, the Magistrate
Judge entered a Report and Recommendation, recommending that both motions be denied. (ECF
No. 45). 1 In so doing, the Magistrate Judge concluded that Rubin Lublin nor his law partners
qualify as “servicers” under RESPA or as “debt collectors” under the Fair Debt Collection
Practices Act (“FDCPA”). 2 The Magistrate Judge also concluded that amending the complaint
to add claims of false statement, fraud, and due process violations would all prove futile. The
Magistrate Judge reasoned that said amendment would only add claims for which relief could not
be granted, and therefore recommended that the Motion to Enjoin and Motion to Amend be
denied. (ECF No. 45, pp. 9-11).
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The Magistrate Judge construed the Motion to Enjoin, ECF No. 22, also as a motion to amend the
complaint pursuant to Fed. R. Civ. P. 15. (ECF No. 45 n.1).
2
See 12 U.S.C. §§ 2605(i)(2) and (3) and 15 U.S.C. § 1692; Stamper v. Wilson & Associates, PLLC, No.
3:09-cv-270, 2010 WL 1408585 (E.D. Tenn. Mar. 31, 2010); Morton v. Bank of America, N.A., No. 1:12cv-511, 2013 WL 3716841, at *7 (W.D. Mich. July 12, 2013)(holding the failure to respond to qualified
written requests of QWRs only attaches to loan servicers), Hutchens v. Bank of America, N.A., No. 3:11cv-624, 2012 WL 1618316, at *8 (E.D. Tenn. May 9, 2012) and Joyner v. MERS, 451 Fed. App’x 505,
507 (6th Cir. 2011).
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As noted above, Plaintiff has failed to object to the Magistrate Judge’s report and
recommendation as required by Fed. R. Civ. P. 72(b)(2). After reviewing the motions and the
Magistrate Judge’s report and recommendation for clear error, the Court adopts the report and
recommendation and finds these motions should be DENIED.
B. Report and Recommendation to Grant Defendant’s Motion for Summary Judgment
On March 6, 2015, Defendant filed a Motion for Summary Judgment and Statement of
Undisputed Material Facts pursuant to Fed. R. Civ. P. 56. (ECF No. 35 and ECF No. 36). 3 In
his report and recommendation, the Magistrate Judge examined whether Plaintiff had adequately
complied with 24 C.F.R. 3500.21(e)(1) by properly submitting his QWR in order to establish a
viable RESPA claim. (ECF No. 47). The Magistrate Judge concluded that BANA’s duty to
respond to Plaintiff’s QWR was not triggered in this case based on Plaintiff’s failure to send a
qualified correspondence to the servicer’s designated address as required. See Moody v.
CitiMortgage, Inc., 32 F.Supp.3d 869, 873 (W.D. Mich. 2014) and Jestes v. Saxon, No. 2:1100059, 2014 WL 1847806, at *6-7 (M.D. Tenn. May 8, 2014). It is undisputed that Plaintiff
failed to mail his QWR to the correct and designated address. (ECF No. 1-1 and ECF No. 46,
¶ 2).
As further noted by the Magistrate Judge, Plaintiff has not demonstrated or refuted that
the servicer in this case was aware of his QWR in order to excuse his failure to submit the
correspondence to the appropriate address. The RESPA claim is the only issue that survived the
in forma pauperis screening process. On this issue, Plaintiff has failed to identify a genuine
factual dispute. (ECF No. 47, ¶3, ECF No. 9). Again, since no objections have been filed to the
report and recommendation and the Court having conducted a de novo review, the Magistrate
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On April 29, 2015, Attorney Ted Jones filed a Notice of Appearance on behalf of Plaintiff and a Response in
Opposition to Defendant’s Motion for Summary Judgment was filed on the following day. (ECF No. 41 and ECF
No. 42).
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Judge’s report and recommendation should be adopted and Defendant’s motion for summary
judgment GRANTED.
Lastly, the Court will address that Plaintiff filed a handwritten “Motion to Drop Law
Suit” on June 17, 2015, which appears to be a motion for voluntary dismissal. (ECF No. 48).4
Plaintiff’s purported motion to dismiss indicates that the parties are attempting to reverse the
foreclosure proceeding and restore his ownership of the residence. Without signatures from all of
the parties involved or even of Plaintiff’s counsel, the Court will not presume that this
arrangement is pending.
A plaintiff may voluntarily dismiss a lawsuit without court order at any time before an
opposing party has filed an answer or motion for summary judgment. See Fed. R. Civ. P.
41(a)(1)(A)(i). In this regard, a motion for summary judgment is pending for which the
Magistrate Judge has issued a report and recommendation. (ECF No. 35 and ECF No. 47). The
pro se motion for voluntary dismissal also does not qualify as a stipulation of dismissal without
signatures of all the parties who have appeared in this matter. See Aamot v. Kassel, 1 F.3d 441,
444 n.4 (6th Cir. 1993)(an action may be dismissed without order of the court by filing a notice
of dismissal at any time before service of an answer or a motion for summary judgment by the
adverse party). See Fed. R. Civ. P. 41(a)(1)(A)(ii).
Fed. R. Civ. P. 41(a)(2) provides guidance for those cases excluded under 41(a)(1) in
which a motion for summary judgment has been filed. In these cases, the action may only be
dismissed at Plaintiff’s request by court order, on terms and conditions in which the Court deems
fit. Said terms and conditions favoring a voluntary dismissal do not exist in this instance.
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The electronic record of this case shows that Plaintiff retained counsel, Ted Jones, on April 29, 2015. (ECF No.
41). Despite having retained counsel, it is clear that the motion to dismiss was prepared and filed by Mr. Griffin,
without assistance of counsel. It fails to comply with Fed. R. Civ. P. 7 or LR 7.2. The pleading also lacks a
certificate of consultation with opposing counsel for BANA as well as a certificate of service upon BANA and its
representatives in accordance with LR 11.3.
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Plaintiff has displayed a history of filing motions that have been resolved unfavorably. (ECF
No. 16, ECF No. 21, ECF No. 26, and ECF No. 38). There have been many court proceedings
and status conferences including one in which Plaintiff failed to appear. (ECF No. 29, ECF No.
31, and ECF No. 40). Tremendous judicial resources have been expended by the Court in
managing this case. In particular, the Magistrate Judge has issued multiple reports and
recommendations, including the most recent on Defendant’s Motion for Summary Judgment. See
Grover v. Eli Lilly and Co., 33 F.3d 716 (6th Cir. 1994) and Bridgeport Music, Inc., v.
Universal-MCA Music Pub., Inc., 583 F.3d 948, 953 (6th Cir. 2009).
In order to circumvent any efforts to dismiss this case in order to refile or avoid the
Court adopting the Magistrate Judge’s recommendation to grant Defendant’s motion for
summary judgment, the Court denies Plaintiff’s pro se motion to voluntary dismiss this action as
MOOT. The Court adopts the Magistrate Judge’s report and recommendation and finds that
Defendant’s motion for summary judgment pursuant to Fed. R. Civ. P. 56 should be GRANTED
and the case DISMISSED with prejudice.
IT IS SO ORDERED on this 24th day of June, 2015.
s/John T. Fowlkes, Jr.
JOHN T. FOWLKES, JR.
UNITED STATES DISTRICT JUDGE
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