Bernstein v. Banco Popular North America

District Court, N.D. California·Decided July 22, 2025·No. 5:25-cv-02204·Unknown

Opinion

1 2 3 UNITED STATES DISTRICT COURT 4 NORTHERN DISTRICT OF CALIFORNIA 5 SAN JOSE DIVISION 6 7 JOHN L. BERNSTEIN, et al., Case No. 25-cv-02204-BLF

8 Plaintiffs, ORDER GRANTING IN PART AND TERMINATING IN PART 9 v. DEFENDANT BERDING & WEIL LLP’S MOTION TO DISMISS; 10 BANCO POPULAR NORTH AMERICA, TERMINATING DEFENDANTS’ et al., MOTIONS AT ECF 32, 48, AND 70 AS 11 MOOT; AND DISMISSING CASE Defendants. WITHOUT PREJUDICE 12 [Re: ECF Nos. 32, 48, 70, 74] 13 14 Before the Court is Defendant Berding & Weil LLP’s (“B&W’s”) Rule 12(b)(1) motion to 15 dismiss for lack of subject matter jurisdiction, Rule 12(b)(6) motion to dismiss for failure to state a 16 claim, and Rule 12(e) motion for more definite statement. ECF 74 (“Mot.”). Pro se Plaintiffs Mary 17 H. Bernstein, John L. Bernstein IV, John L. Bernstein III, and Elizabeth Tigano (collectively, 18 “Plaintiffs”) filed an opposition to B&W’s motion to dismiss. ECF 97. B&W filed a reply. ECF 105 19 (“Reply”).1 20 The Court finds that the matter is suitable to be determined without oral argument, and 21 hereby VACATES the hearing on B&W’s motion scheduled on August 21, 2025. For the reasons 22 below, the Court GRANTS B&W’s motion to dismiss for lack of subject matter jurisdiction and 23 DISMISSES the case WITHOUT PREJUDICE to refiling in state court. 24 1 The Court notes that two other motions are in the process of being briefed: 1) Defendants Meadow 25 Brook Village Association – Fremont, A.S.A.P Collection Services, LLC, Angius & Terry LLP, Donald P. Gagliardi, and Colin G. McCarthy’s Rule 12(b)(1) motion to dismiss for lack of subject 26 matter jurisdiction, Rule 12(b)(6) motion to dismiss for failure to state a claim, and Rule 12(e) motion for more definite statement at ECF 32, and 2) Defendant Platinum Resolution Services, 27 Inc.’s Rule 12(e) motion for a more definite statement at ECF 48. The Court also notes that I. BACKGROUND 1 Plaintiffs own a property located at 3416 Deerwood Terrace, #113, Fremont, CA 94536 2 (“Property”). Compl. at 39, 46, 49. The Property is located within the Meadowbrook Village 3 Homeowners Association (“Association”). Id. at 46. In 2018, the Association levied an emergency 4 assessment to all members of the community. Id. at 3. On September 18, 2017, the Association 5 imposed this assessment in response to a Notice and Order to Abate Nuisance issued by the City of 6 Fremont to the Association, which required the Association to spend $15.5 million on “emergency 7 repairs” identified by the City. Id. at 358-359. To facilitate its compliance with the Notice, the 8 Association entered into a loan agreement with Banco for a non-revolving line of credit in the 9 amount of approximately $4 million (“Loan”). Id. at 490. The purpose of the Loan was to “pay for 10 building repairs and replacements, including lighting, boiler systems, fire alarm certification, siding, 11 painting, contingency, related costs and soft costs.” Id. at 506. The assessment was specifically 12 intended to pay off the Loan and to collect additional funds to perform the required repairs. Id. at 13 358. Plaintiffs’ share of the assessment was approximately $33,625. Id. at 42. Plaintiffs did not pay 14 their share of the assessment. Id. at 260, 266. After nonpayment, the Association brought foreclosure 15 proceedings through a Notice of Default and Election to Sell Under Property Association Lien in 16 January 2025. Id. at 260. 17 On March 4, 2025, Plaintiffs filed this lawsuit against Defendants. Id. at 1. Plaintiffs assert 18 fourteen causes of action: (1) intentional misrepresentation; (2) negligent misrepresentation; (3) 19 violation of California Homeowner Bill of Rights, Cal. Civ. Code § 2924.17; (4) violation of 20 California Civil Code § 2923.55; (5) violation of California Business and Professions Code § 17200, 21 et seq. Unfair Competition Law; (6) wrongful foreclosure; (7) intentional infliction of emotional 22 distress; (8) intentional housing discrimination based on familial status, Cal. Gov. Code § 12900 et 23 seq; (9) negligence; (10) violation of Unruh Civil Rights Act, Cal. Civ. Code §§ 51, 51.2, 52; (11) 24 violation of Elder Abuse Act; (12) “terminate foreclosure proceedings initiated”; (13) intentional 25 misrepresentation; and (14) negligent misrepresentation. Id. at 1-2. 26 II. LEGAL STANDARD 27 Federal courts can adjudicate only those cases which the Constitution and Congress 1 authorize them to adjudicate: those involving diversity of citizenship or a federal question, or those 2 to which the United States is a party. Mims v. Arrow Fin. Servs., LLC, 565 U.S. 368, 376–77 (2012); 3 see also Chen-Cheng Wang ex rel. United States v. FMC Corp., 975 F.2d 1412, 1415 (9th Cir. 1992) 4 (“Federal courts have no power to consider claims for which they lack subject-matter jurisdiction.”). 5 The Court has a continuing obligation to ensure that it has subject matter jurisdiction. See Fed. R. 6 Civ. P. 12(h)(3). A defendant may raise the defense of lack of subject matter jurisdiction by motion 7 pursuant to Rule 12(b)(1) of the Federal Rules of Civil Procedure. The plaintiff bears the burden of 8 establishing subject matter jurisdiction. Kokkonen v. Guardian Life Ins., 511 U.S. 375, 377 (1994). 9 A jurisdictional challenge may be facial or factual. Safe Air for Everyone v. Meyer, 373 F.3d 10 1035, 1039 (9th Cir. 2004). Where the attack is facial, the Court determines whether the allegations 11 contained in the complaint are sufficient on their face to invoke federal jurisdiction, accepting all 12 material allegations in the complaint as true and construing them in favor of the party asserting 13 jurisdiction. Id.; see also Warth v. Seldin, 422 U.S. 490, 501 (1975). Where the attack is factual, 14 however, “the court need not presume the truthfulness of the plaintiff's allegations.” Safe Air for 15 Everyone, 373 F.3d at 1039. In resolving a factual dispute as to the existence of subject matter 16 jurisdiction, the Court may review extrinsic evidence beyond the complaint without converting a 17 motion to dismiss into one for summary judgment. Id. Once the moving party has made a factual 18 challenge by offering affidavits or other evidence to dispute the allegations in the complaint, the 19 party opposing the motion must “present affidavits or any other evidence necessary to satisfy its 20 burden of establishing that the court, in fact, possesses subject matter jurisdiction.” St. Clair v. City 21 of Chico, 880 F.2d 199, 201 (9th Cir. 1989); see also Savage v. Glendale Union High Sch. Dist. No. 22 205, 343 F.3d 1036, 1040 n.2 (9th Cir. 2003). 23 III. DISCUSSION 24 A. Subject Matter Jurisdiction 25 In the complaint, Plaintiffs allege that the Court has jurisdiction under 28 U.S.C. § 1332, 26 Diversity of Citizenship. Compl. at 5 ¶ 19. B&W moves to dismiss the case for lack of subject matter 27 jurisdiction on the basis that the parties are not diverse. Mot. at 14-16; see ECF 74-1, Decl. Chad T.

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