Maddox v. CitiFinancial Mortgage Company et al

Filing 3

MEMORANDUM OPINION. Signed by Chief Judge Michael F. Urbanski on 3/28/18. (kld)

CL S OFFI U .S. ST.
ERK'
CE
DI COURT
AT ROANOKE,
VA
FIED
L

I THE UN I
N
TED STATE S D I RI CO U RT
ST CT
FO R TH E W E STE RN D I RICT O F W R GI I
ST
N A
H ARRI N BU RG D I SI N
SO
W O
LEO R .M AD D O X ,

Mlq 29 2 1
28
JUL C,
DUDL CLERK
EY
nv,
P
CL K

4.
D,
E

)
)
)Ca eNo.51 c 0 4
s
:8 v0 0 1
)

Pl nt f y
ai i f

By: M i
chaelF.U t
bansd
l
CI I AN CI L M O RT GA GE CO . Chi fUnie S a e Di ti t udge
T FIN
A
,
e
t d t t s s tc J

:1pL,
D ef
endant
s.

M EM Om

D UM O PI ION
N

Pr ee ng gt sq pli fLe R. dd fld t i tntComp ant(he
oc di
o , andf o Ma ox le he nsa
li t
-- -

f mpli 'o T
to ant' r ï
Comp . ECF No 2 I t a c mpa i gor re e e wih t i
l),
'
. . n he c o nyn de ntr d t h s
'

m e or ndum opi on,t c twilgz ntM a
m a
ni he our l a
ddox l ve t pr e i f m a a e i dte
ea o oce d n or
u rs z
t hi i ge e. fe r viwi t Fe r lCom pl i ,t cour concudest tt a don
o s ndi nc A t t e e ng he de a
ant he
t
l
ha he c
m us be dimi s f f iut t sa e acni ,pur ua t Fede a Rul ofCi lPr edlr
t
s s ed or al e o t t l m
s nt o
rl e
vi oc ze

1 $()
2q 6.
Unde 28U. C. 1 5 csrc c ursh vead yt s r e i da fi sa ds s
r
S. j 91 ,l tit o t a
i
ut o c e n ni l ing nd imis
l
ac
ompl ntf i f l a ei f a tmei t c utdee i t ...t
ai ûed n orna u rs f ny i f he ot t= nes hat he
at

a t . .sf l orm aii . .o jfist saeac m o wl h tle m a be
c i . i dvoous
on
l ous . gr al o t t bi n ùc eif y
c

ga td. 2 U. C. 1 1 ()2 ( (-$) seas Etl Co. , v.ohn on 44 F.d6 ,
rne ' 8 S. j 9 5e()B)i ; e lo ine SA. J s , 0 3 48
'
)
i
6 6 (t Ci. 0 )( e na q t do o té )rf e to )1 5pe isd sdc c rst
5 4. r 20 6 i r l uo a ns mitd g cin 91 - t it t ou t o
h
nt
s
i pende l as es t m e isofi f m a a e com pli s a t e udes t t
nde
nty s s he rt
n ot
u ds
ant, nd o xcl
uis hat

ha n a g a eba i i 1w o fc.
ve o z u bl ss n a r a t'
).

o

The cout c tue r s com pli sl al i posng T e ssrnge s a t
t onst s o e
ant i ly, m i f s ti nt t nda ds
bet
l

t nft l e dn datdb lwy r. Erc s v. r us55 U. 8 , 4(0 7
ha o- pla igs rfe y a es' ik on Pad , 1 S. 9 9 2 0 )
ma
?
( uo igEsel v. mbl, 29U.. 7, 0 - 5 (9 ). ehee s < c mpli mus
q tn tl Ga e 4
e
S 9 1 4 0 1 76) Non t ls ,< o ant t
a
cont i s f entf c ta m ate ,a e e a tne t ft e a cnm ofr le t ti pl usbl
an ufki a tz l tr cc pt d s tp, o sat li
e if ha s a i e

onisfc .' h r t 1 ba,5 6U.. 2, 7 (0 9 (uo Bel l Co .
t a e' As cofv. l 5 S 66 6 8 2 0 ) q éng lAt.
'
v.
Two , 0U. 5 , 7 (0 7. o t fc oft Co antii ce rt paée
mbl 55 S. 44 5 0 2 0 )Fr m he a e he mpli ,ts la he t s
lc c mplt di ziya t c r cnno e ries bjc matro rt aton.
a k o ee vest nd he ou t a t xecs u e t te ve he ci
TheComp anta pe r t rief rc us sofa t ()avoléon oft Forin
li p as o as ou a e ci 1 i a
on:
he eg

Corz Prcie Ac (heT
rt a tc s t t T
pt
FCPA' ()avoain of1 U. C. 5 3 (UDAAP'; ()a
);2 ilto
2 S. j 5 1 T
K
. II 3
vi a noft Rel tt Set me Pr c d e Ac (< PA7 a ()aDea r sae
oléo
he a Esae tl nt o e uts t T
e
RES ); nd 4
lwae tt
1w b e c ofc nta tcnm. Co . g 1 -1 .
a r a h o rc li 2 mpl!J 3 4
!
Ma
ddox' fr tt c am sr s put évevi a
s ts wo l i aie a
oléonsoft FCPA a t D odd- a
he
nd he
Fr nk

W al te Reo m a dCo ume Pr tc nAc'UDAAP prviins S çia 1 .rl'e
lStet fr n ns r oe do ts
o so . e d ! 3 t h
lnd ra i' gijf r e CEOsv oae t FCPA a t UDA AP p ohb do a o he
e e nd ts sc o m r
i ltd he
nd he
. r ii n nd t r
lwsi c 'c
a n onne don wih orgna i i s rvc ng, i' Loa gij' Net rt FCPA n r
t i i ton n e ii ts ns sc.
). ihe he
o
UD A AP pr dea pzva e c us ofac i howe r Se Re ublc ofI a v. BB AG ,768
ovi
i t a e
ton,
ve . e
i
r
A

F.d1 , 6 -7 (dCi. 01 )(idignopi t cus ofa do a dnoi ta abl
3 45 1 9 1 2 z2 4 fn n
rvae a e c n n tng h t il
i r du e t pr vdeap iaec us o a to T sdeee b ac mmit eoft Se t'
nto c d o o i rv t a e f cin f
wa ltd y o te he nae);
La v. l Mo rs l .9 5F. 1 2 1 2 -3 ( t Ci.1 0 (a ) M c a v. n
mb Phii ri nc, 1 2d 0 4, 0 7 0 6h r 99 ) sme ; cr Ba k
l
ofAm.Co .Ci No.
, v. ELH- 4 2 46 2 7W L 1 1 5 , t* 6( Md Ap . 0 20 7
1 - 4 , 01
3 5 09 a 1 D. . r 1 , 1 )
1K DA AP' s a f f m fi,de ptve ora usve a t orpr c es' Pr lb don ofUnf i D e e tve orA b i
TJ
' tnds or f ar ce i , b i c s
t
a dc .' oli i
ar c i
usve

Acso Prcie i t Colcino Co s me De sCFP Bul2 1 -7luy1 , 0 3.
t r at sn he l t f n u r bt, B l 0 30 ll 0 2 1 )
c
e o
.
2ntepaa rp c n enn j icc o Ma d xa p ast cnm fd rl u so jrsiû nfrb ec o c nzc
I h rga h o cr ig ur l d n, d o p er o li e eaq ed n uidc o o rah f o ta t
si
u e 4 U.. j6 0 . mp. t1'ha sc o , wee,fo c msp bi c nrcsma ewi aUrtdSae
nd r 1 SC. 5 3 Co la .I t e d n ho v r f n e u l o ta t d t le tts
c
c
h i
a e c ' n i. rfr ia pia l h r. e Grf nv Co asG . A l .No 31 -v9 7J 2 1 WL
g n p'a d st eoe n p l be ee S e is . m s
he
c
US nc, . :6c- 1 -AQ 0 7
2 2 6 9 a * ( D. .t 3 , 0 7.
8 9 1 , t 2 E. Valme 0 2 1)

'

( o cn t a f a iusc rsh vec ncud dt tt e ei n prv t rg a do t e o c
h ll g h t f ro ou t a o l e ha h r s o ia e iht c n o nf r e
i
v

1 U. C. j5 3 a d5 3 a'. s h, dd x'FCPA a dUDAAP camsmus be
2 S. j 5 1 n 5 6()' As uc Ma o s
)
n
li
t
dim is f f iut t s a e acai .
s s ed or al e o t t l m

M a d x' t idcqm alg svi a nsof1 U.. j 26 5a 2 0 o RES 3
d o s ht li le e oldo
2 SC. j 0 nd 6 7 f PA.

Co . !1 -1 . msfrvilto ofS cin2 05mu tbebr u ht t ntue y as
mpl! 3 4 Chi o oains e to 6
s
o g wihi l e e r
oft al gedvi a
he le
oldon,a c m sf vi a
nd bi or ol éonsofSe don 2607 m us bebr htwihi
c
t
oug
tn

oney a oft ealg dvildo 1 U. C. 2 1 . a oxalg st tf t o ta edd
e t h l e oa n. 2 S. j 6 4 M dd l e ha f i tg g i
e
e
cim

ha m a v ci z Le R. dd bewe nl n r 1 20 9a De e r3 , 01 'The
r nd itmie o Ma ox t e a uay , 0 nd c mbe 1 2 0.
7
Com pli wasfld on Fe ta y 14,2018,ove s ve y t afe t alged vi atonsof
ant
ie
brz r
r e n ea s t r he le
ol i
'

.
'

.

RESPA e d. M a
nde 4 ddox' RESPA cnm sa e t r or tm e bared a m us be dimi s
s
li r he ef e i
r nd
t
s s ed
f f ivr t s a e ac nr
or a ze o t t l in.
M addox' f t cam algesbr a ofc r c unde D ea t lw . lieM addox
s orh li le
e ch
ont a t
r lwa e a W ll

alg sbr a hofc ta tu r1 De. j8 0 , c 8 0 d sno e tbl h ac us
l e ec
e
on r c nde 0 l C. 1 6 Se don 1 6 oe t sa i a e
s
ofa ton f br ac ofconta .I i,howe r be
c i or e h
r ct t s
ve , yond per dve u et ts ac e
a nt r ha uch aus

adone it. eH- W e o dLLCv. c r l .8 2A.d 1 , 4 @ e. 20 3
c
xssSe M xfr
En o nc, 3 2 29 1 0 lCh. 0 )
(edn frhee nt o ab e c ofc ntatcnm)I ta , ci 8 0 prsrbe a
st g o t lme s f ra h o rc li .nse d Seton 1 6 eci s
t e - arsam t oflnatéon f br c ofconta cnm si D ea r .Thel ta lge
hr e ye t e i ia
or ea h
r ct li n l wa e
as le d

ijr wa onDe e r31 20 0 o rsve y asbeo et Co antwa fld. an,
nu y s
cmbe , 1 , ve e n er fr he mpli s i Ag i
e
3 t p er ta Ma d xas clmsvoa o so 1 U.. j2 0 . a scinmeeyprvd sd f lin frte
I a p as h t d o lo li ild n f 2 SC. 6 2 Th t et
o rl o ie ei'o s o l
nt
z
r m ande (fRES ho ve ,a doesnotcr a e aprva eca e ofa don.
e i rj
PA, we r nd
et
i t us
c
4M a x cam st tCii orga sgne ac e or rw11 t f de a gove nm e on Apzl1 201 ,butM a
ddo li ha tm t ge i d ons nt de :1 he e r l
r nt
i 3, 1
ddox
doe notalg t tt co e or rwasavi aéon ofRESPA . a
s
le e ha he nsnt de
ol
M ddox as alge tzthef sei bl t rc iea
lo le s la
f l e o e ev
wa gi

p y nt fa lat 8 00 Dolz b n v rfe(i)acnm fz b fr t d al eo ln ay1 , 0 3:Co l
a me o tes $ 4 .0 l s ut e e t s li om eo e he e di f a u r 82 1 . mp.
a
l c
n
'
!1 .tsn tceriMa o i cnmigta Cimo taeh z dhm b fin t s b t cum fr I h i, i
2 I i o la f dd x s li n h t t rg g ame i y nl g o u mia li o m. f e shs
i
i
ag me i frcoe b t pqntx o t lte fo teDea r SaeDe eme t f ud ewlc mae cer
ru nts oelsd y he li et fhe etr rm h lwae tt pa n o J sc , l h k s la
i
t tM a x,a no Cii o g ge w a r qu r d t s i acbi .S Compl Ex.H a 7. n a e nt e n i t
ha ddo nd t tm rta , s e i e l ubm t
o
m ee
.
t l ny ve , ve f he

J n ay1 2 1 d t weet a l a l d t f ri tt ns mo e,h Co lit sfe â eyasatrta d t
a u r % 0 3 ae r he ppi be ae o l ai pu sste mpln wa t d v er fe h t ae
c
mi o
l
a a i i tme ba r d.
nd, r n, s i
re

t br c ofconta cam i ém e ba r d a m us be dinas e f f iur t sat a
he ea h
r ct li s
r e nd
t
s is d or al e o t e
cnm .
1i 5

The c tnot st whieM a
our
e hat l
ddox cnm sbr c ofconta unde D ea r lw,
li
ea h
r ct
r lwa e a

Ma
ddox doe notpr det m oyga c r c unde li t cli .I i posi et tt
s
ovi he
t ge ont a t
ry ng he qm t s sbl ha he

c r c ha achoi - -a pr son r ptng a iadon ofa he s a eslw.W ih t s
ont a t s
ce oflw ovii eq'ii pplc
not r t t ' a
t hi

i r n t ec zt l ds ls t br a h o c ta tcnm wiho p eudc .
n nid, h ol wil in is he e c f on r c li t ut r j ie
r
TheClr i diec e t s nd copi soft sM em or ndum O pilon a t
e k s r td o e
e
hi
a
ti nd he
a om panyng O r rt pl i if
cc
i
de o antf .
'

Ent r M a c 28,2018
e ed: r h
'

4 / *2'. .
. ! e.
r 7

'

+

p

-r
2-

M iha lF.Ur ns
c e
ba ki

ChifUnt dS ae D' it ud e
e ie tt s
gl g

51 De. j8 O ()po ie a e c p o t tet e-erl téo p do : oe ma aret al td n p r d
0 lC. 1 6c rvd s n x e d n o h hzey a i a ns e d Pa s y ge o i a o s ei
mi
mi
o
ofup t t nt y a sf c r cswo tzatlas $10 000 Eve t h Maddo doe nota tc t o rdvec rc,
o we y e z or onta t rl e t 0, . n houg
x s ta h he pea onta t
ii cea t spr son c nnota y, t f c oft Com pbi m a scea t m orga ea is w a f ls t n
t s l r hi ovii a
ppl as he a e he
nt ke l r he t g t sue s or e s ha

$1 , .
00000

4