Chavous v. M & T Bank

CourtDistrict Court, N.D. New York
DecidedMay 19, 2025
Docket5:25-cv-00562
StatusUnknown

This text of Chavous v. M & T Bank (Chavous v. M & T Bank) is published on Counsel Stack Legal Research, covering District Court, N.D. New York primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Chavous v. M & T Bank, (N.D.N.Y. 2025).

Opinion

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF NEW YORK _____________________________________________________________________ PRISCILLA CHAVOUS et. al. Plaintiff, v. 5:25-CV-562 (AMN/MJK) M&T BANK et. al., Defendant. _____________________________________________________________________ Priscilla Chavous, Pro Se MITCHELL J. KATZ, U.S. Magistrate Judge TO THE HONORABLE ANNE M. NARDACCI, U.S. District Judge: ORDER and REPORT- RECOMMENDATION Plaintiffs commenced this action on May 6, 2025, by filing a complaint (Dkt. 1). Plaintiffs also filed a motion for leave to proceed in forma pauperis (“IFP”). (Dkts. 2, 3). The Clerk has sent Plaintiffs’ complaint and IFP application to this Court for review. (Dkts. 1, 2, 3).

I. BACKGROUND This case arises from Plaintiffs’, Priscilla and Trevon Chavous, decision to buy a home. Plaintiffs met with M&T Branch Manager Defendant David Wilson, who told Plaintiffs “he could help” them “get approved” for a mortgage and “get into a home.” (Complaint, Dkt. 1, at 7). Soon after, Plaintiffs “entered into a mortgage contract with M&T bank and its loan originator Xioang Zheng.” Id. (cleaned up). Originally, Plaintiffs’ intended

to purchase a two-unit home. Id. But Defendant Zheng told Plaintiffs that they “could not get a house that needed repairs,” they “could not get a loan for repairs since it was their first house,” and Plaintiffs had to take classes for the two-unit

property. Id. (cleaned up). Because of these restrictions, Defendant Zhang showed Plaintiffs a one-unit property that was “abandoned for 15 years with no upgrades.” Id. Plaintiffs refused this property. Yet—according to Plaintiffs—Defendant Zheng approved the one-unit property and took one of the Plaintiffs off the loan.1

Plaintiffs then filed a complaint with the Consumer Financial Protection Bureau (“CFPB”) which “released” Plaintiff “from that contract.”2 Id. at 8. Months later, Plaintiffs engaged in further conversations with Defendant Zheng who told

them that “they had to take the” one-unit property “because they couldn’t get an increase on the loan.” 3 Id. Plaintiffs refused again. Defendant Zheng then advised

1 The Complaint says, “Zheng took me off the loan.” (Complaint, Dkt. 1, at 7). The “me” which the complaint refers to is unknown to the Court. But from other language used in the complaint, the Court believes that the person removed was Priscilla Chavous. See id at 7 (“My son and I entered into a mortgage contract”); see also id at 8 (“I texted Zheng and asked her if it was because I was a woman”).

2 The Court is unsure which contract Plaintiff is referring to.

3 The loan’s amount is unclear form the Complaint. Plaintiffs note that they were approved for a $140,000 loan. (Complaint, Dkt. 1, at 8). But they were limited to purchasing a $95,000 home. Id. Given banking practices, it is unlikely that a Bank gave Plaintiffs a $140,000 loan for purposes of purchasing a home and doing repairs. Plaintiffs that if they failed to make the purchase, they would lose the loan. Id. So Plaintiffs purchased the property. Id. At this time, there was neither an abstract nor

Truth in Lending Disclosures. Id. The house Plaintiffs purchased from Defendant Supreme Associates Int. had not been upgraded or repaired in 15 years, had only four rooms, “the real damages

were covered,” “had a terrible odor when” Plaintiffs turned the air off,” water leaked from the walls in the basement and the kitchen sink, and rodents, woodchucks, and other pests “made nests throughout the house.” Id. And because of the home’s state of disrepair, Plaintiffs cannot live in it. Id. at 6.

As an aside, Plaintiffs also allege that Defendant Alexia Rodriguez did not respond to any of their emails or calls. Id. at 8. So they called Defendant Wilson, who called Defendant Rodriguez’s boss “Eric” to prompt Defendant Rodriguez to

respond to their communications. Id. Defendant Rodriguez’s failure to respond “in a timely manner” only “slowed down the process.” Id. When Plaintiffs finally spoke with Defendant Rodriguez and asked her about inspecting the house, she told them they did not need an inspection, since the Federal Housing

Administration (“FHA”) would do one. Id. Further, Defendant Rodriguez only looked for apartments where Plaintiffs did not want to live and made excuses to not move into other homes. Id. Plaintiffs now bring this action against Defendants M&T Bank, Wilson, Zheng, Rodriguez, and Supreme Associates Int. In their complaint, Plaintiffs

possibly allege that Defendant Zheng knew the home was defective but sold it under fall pretenses, and M&T Bank or Defendant Zheng failed to make Truth in Lending disclosures. Plaintiffs also possibly raise the issue of duress. See id at 7-9.

The Court now reviews Plaintiffs complaint and IFP request. II. IFP APPLICATION Plaintiffs declares in their IFP applications that they are unable to pay the filing fee. (Dkt. 2, 3). After reviewing their applications, this Court finds that Plaintiffs are financially eligible for IFP status.

III. STANDARD OF REVIEW In addition to determining whether a plaintiff meets the financial criteria to proceed IFP, courts must also review the sufficiency of the allegations in the complaint under 28 U.S.C. § 1915. That statue requires a court to dismiss a case—

at any time—if it determines that the action is (1) frivolous or malicious; (2) fails to state a claim on which relief may be granted; or (3) seeks monetary relief against a defendant who is immune from such relief. See 28 U.S.C. § 1915 (e)(2)(B)(i)- (iii).

When determining whether an action is frivolous, courts must consider whether the complaint lacks an arguable basis in law or in fact. See Neitzke v. Williams, 490 U.S. 319, 325 (1989), abrogated on other grounds by Bell Atl. Corp. v. Twombly, 550 U.S. 544 (2007) and 28 U.S.C. § 1915. Dismissal of frivolous actions is appropriate to prevent abuses of court process as well as to discourage

the waste of judicial resources. Neitzke, 490 U.S. at 327; Harkins v. Eldredge, 505 F.2d 802, 804 (8th Cir. 1974). To be sure, courts have a duty to show liberality toward pro se litigants and

must use extreme caution when sua sponte dismissing pro se complaints before adverse parties have been served and had an opportunity to respond. See Fitzgerald v. First E. Seventh St. Tenants Corp., 221 F.3d 362, 363 (2d Cir. 2000) (finding that a district court may dismiss a frivolous complaint sua sponte even when

plaintiff has paid the filing fee). But courts still have a responsibility to determine that a claim is not frivolous before permitting a plaintiff to proceed. See id. IV. DISCUSSION Plaintiffs’ complaint fails to state a claim. So the Court recommends

dismissing Plaintiffs’ claims against all defendants without prejudice and with leave to amend. A. Federal Rule of Civil Procedure 8 Pleadings must contain, among other things, “a short and plain statement of the claim showing that the pleader is entitled to relief …” Fed. R. Civ. P. 8(a)(2).

“The purpose of [Rule 8] is to give fair notice of the claim being asserted so” adverse parties have “the opportunity to file a responsive answer, prepare an adequate defense[,] and determine whether the doctrine of res judicata is applicable.” Flores v. Graphtex, 189 F.R.D.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Johnson v. Avery
393 U.S. 483 (Supreme Court, 1969)
Haines v. Kerner
404 U.S. 519 (Supreme Court, 1972)
Imbler v. Pachtman
424 U.S. 409 (Supreme Court, 1976)
Gregg v. Georgia
428 U.S. 153 (Supreme Court, 1976)
Estelle v. Gamble
429 U.S. 97 (Supreme Court, 1976)
Bounds v. Smith
430 U.S. 817 (Supreme Court, 1977)
Stump v. Sparkman
435 U.S. 349 (Supreme Court, 1978)
Rhodes v. Chapman
452 U.S. 337 (Supreme Court, 1981)
Mitchell v. Forsyth
472 U.S. 511 (Supreme Court, 1985)
Cleavinger v. Saxner
474 U.S. 193 (Supreme Court, 1985)
Anderson v. Liberty Lobby, Inc.
477 U.S. 242 (Supreme Court, 1986)
West v. Atkins
487 U.S. 42 (Supreme Court, 1988)
Neitzke v. Williams
490 U.S. 319 (Supreme Court, 1989)
Wilson v. Seiter
501 U.S. 294 (Supreme Court, 1991)
Mireles v. Waco
502 U.S. 9 (Supreme Court, 1991)
Hudson v. McMillian
503 U.S. 1 (Supreme Court, 1992)
Denton v. Hernandez
504 U.S. 25 (Supreme Court, 1992)
Kalina v. Fletcher
522 U.S. 118 (Supreme Court, 1997)
Overton v. Bazzetta
539 U.S. 126 (Supreme Court, 2003)

Cite This Page — Counsel Stack

Bluebook (online)
Chavous v. M & T Bank, Counsel Stack Legal Research, https://law.counselstack.com/opinion/chavous-v-m-t-bank-nynd-2025.