Boyd v. Jakes

CourtDistrict Court, M.D. Tennessee
DecidedJuly 15, 2025
Docket3:25-cv-00333
StatusUnknown

This text of Boyd v. Jakes (Boyd v. Jakes) is published on Counsel Stack Legal Research, covering District Court, M.D. Tennessee primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Boyd v. Jakes, (M.D. Tenn. 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF TENNESSEE NASHVILLE DIVISION

THASHA A. BOYD, ) ) Plaintiff, ) ) v. ) Case No. 3:25-cv-00333 ) Judge William L. Campbell, Jr. ALAN L. JAKES, LIVIA WALKER, ) Mag. Judge Jeffery S. Frensley DORINDA WALKER, KEVIN MILLER, ) PAUL HOLDER REALTY & AUCTION, ) CHARLES R. MULLINS, RONALD RAY ) TALBERT, and DOES I-X, ) ) Defendants. )

REPORT AND RECOMMENDATION

I. INTRODUCTION Pending before the Court is a Motion to Dismiss filed by Defendant Charles R. Mullins (“Mr. Mullins”) (Docket No. 15) and supporting Memorandum of Law (Docket No. 16). Plaintiff filed a Response in Opposition (Docket No. 29) that Mr. Mullins replied to (Docket No. 31). For the reasons set forth herein, the undersigned RECOMMENDS that the Motion to Dismiss the claims against Mullins be GRANTED. Also before the Court are three separate motions for transfer of venue (Docket Nos. 10, 13, 26). Following review of the record, the undersigned RECOMMENDS that these Motions for Transfer of Venue be GRANTED, and the action be TRANSFERRED to the Eastern District of Tennessee. II. BACKGROUND

On March 25, 2025, pro se Plaintiff Thasha Boyd (“Ms. Boyd”) filed this action against Mr. Mullins and several named and unnamed defendants1. Docket No. 1. In her Complaint (Docket No. 1), Ms. Boyd alleges that each defendant violated or conspired to violate the Racketeer Influenced and Corrupt Organizations Act (“RICO”). Docket No. 1, pp. 53–56. In addition to these federal claims, Ms. Boyd alleges five related state claims against Mr. Mullins or some subset of the defendants. Id. at 53–63. While Ms. Boyd and most of the defendants2 are engaged in an ongoing case at Warren County Chancery Court, Mr. Mullins is not a named defendant in that case. Docket No. 1-1. However, Ms. Boyd asks that the Court exert supplemental jurisdiction over the pending action because “both the federal and state claims are based on sufficiently similar facts.” Docket No. 4, pp. 1–2. Against all defendants, Ms. Boyd claims: 2. Defendants, and others known and unknown, over the span of over four years, have engaged in an unchecked criminal “Enterprise” in pursuit of power, influence and profit through the fraudulent purchase and resale of homes/properties; and, services associated with those purchases/resales – designed to prey upon vulnerable individuals and encourage others to join the Enterprise to perpetuate illegal acts onto others.

. . .

5. PHRA Defendants’3 storefront, Paul Holder Realty & Auction, forms the business conduit of the Enterprise. Upon information and belief, Jakes depends(ed) on PHRA Defendants to recruit others [i.e. Mullins and Talbert] to the Enterprise and commit illegal acts in furtherance of the objectives [power, influence and profit] of the

1 These defendants include Alan L. Jakes, Livia Walker, Dorinda Walker, Kevin Miller, Paul Holder Realty & Auction (“PHRA”), Ronald Ray Talbert, and John Does I-X. 2 Defendants Alan Jakes, PHRA, Linda Walker, Dorinda Walker, and Kevin Miller were named in Ms. Boyd’s state court complaint. 3 Ms. Boyd uses the term “PHRA Defendants” to refer to Livia Walker, Dorinda Walker, Kevin Miller, and PHRA. Because all parties have adopted this language to address these named defendants so will the Court for clarity.

2 Enterprise.

Docket No. 1, p. 2–3.4 In essence, Ms. Boyd claims that the defendants are engaged in a criminal enterprise where they purchase inexpensive property, improperly renovate the property without permits, misrepresent the property through official appraisal reports, and sell the property for a significant mark-up without properly disclosing pertinent defects about the property. See Docket No. 1, pp. 12–14. In August 2022, Ms. Boyd purchased real property (“Subject Property”) from Defendant Alan Jakes (“Mr. Jakes”) through a Veterans Affairs (“VA”) guaranteed mortgage loan. Id. at 7, 25. Mr. Jakes, a contractor, purchased that property from Homeland Community Bank, where Defendant Ronald Talbert (“Mr. Talbert”) is the Director, President, and CEO. Id. at 10. Mr. Jakes renovated the Subject Property and listed it with Paul Holder Realty & Auction (“PHRA”). Id. at 10. Before Ms. Boyd purchased and took possession, Mr. Mullins was assigned to appraise the Subject Property. Id. Defendants Dorinda Walker, Linda Walker, and Kevin Miller are real estate agents for PHRA who assisted Ms. Boyd with her purchase. Id. at 7.

With respect to Mr. Mullins, Ms. Boyd’s Complaint alleges the following: 90. On September 7, 2022, Mullins issued a Uniform Residential Appraisal Report (“Appraisal”), which appraised the Subject Property as of September 7, 2022, at $212,000.00. A true and correct copy of the negligent Appraisal is attached hereto as Exhibit A-2.

91. Mullins’ Appraisal was predicated upon the “Sales Comparison Approach” – where per the Appraisal’s “Analysis of prior sale or transfer history of the subject property and comparable sales”, Mullins’ Appraisal states: “The subject shows a prior sale on 04/14/2022 for $90,000 & no other prior sales recorded for the subject in the past 36 months. Comp #2 shows a prior sale on 11/12/2020 for $8,000 & no other prior sales recorded for the comparable properties in the past 12 months.”

4 Quotations from the Complaint are verbatim.

3 92. Relying on Mullins’ Appraisal, Plaintiff took out a United States Department of Veterans Affairs (“VA”) guaranteed mortgage loan from Mortgage Research Center, LLC (DBA “Veterans United Home Loans”), closed on the Contract, and acquired the Subject Property.

93. Unfortunately, and unbeknownst to Plaintiff, Mullins’ Appraisal did not include the January 4, 2022, sales/transfer of the Subject Property from the United States Department of Agriculture (“USDA”) to Talbert.

94. The exclusion of the sales/transfer between Talbert and the USDA covers(ed) up and conceals(ed) the unsupported rise in value of the Subject Property and Talbert’s role in the Enterprise.

102. If Mullins would have included the USDA January 4, 2024, sales/transfer of the Subject Property to Talbert, it would have triggered inquiry/investigation into said sales/transfer – where just a review of the mold and structural issues, the Subject Property would not be valued at and/or near $212,000.00; and, that Mullins could not rely upon the sales comparables on the Appraisal, as said comparables were functionally and dissimilar to the Subject Property.

103. Therefore, Defendants’ implementation of the Enterprise’s Scheme resulted in a gross overvaluation of the Subject Property by more than $39K.

104. In addition to the gross overvaluation of the Subject Property, Mullins’ exclusion of the USDA/Talbert sales/transfer resulted in the failure to discover mold, water intrusion and structural issues with the Subject Property, where the VA, as a minimum requires that properties that qualify for its loan guarantee program must be safe, structurally sound, and sanitary.

106. The Enterprise driven illusionary rise in property values also benefits Mullins, as the need for appraisal services rises as a result of the Community’s socioeconomic growth; and, predatory lending institutions who prefer to give business to an appraiser that is willing to perform quick appraisals that ensure a home/property is appraised

4 at an overinflated value.

Id. at 25–28 (footnote omitted).5 Ms. Boyd attached a scanned copy of Mr. Mullins’s Appraisal, but the document is not fully legible. Docket No. 1-1, pp. 15–31. However, most notably, the Appraisal reports that the Veteran Affairs Regional Loan Center in Atlanta, Georgia assigned Mullins to appraise the Subject Property. Id. at 15. Though not specific to Mr. Mullins, Ms.

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