Dustin M. Bray v. Wells Fargo Home Mortgage, Inc., and Envoy Mortgage, LP

CourtMissouri Court of Appeals
DecidedOctober 25, 2022
DocketED110570
StatusPublished

This text of Dustin M. Bray v. Wells Fargo Home Mortgage, Inc., and Envoy Mortgage, LP (Dustin M. Bray v. Wells Fargo Home Mortgage, Inc., and Envoy Mortgage, LP) is published on Counsel Stack Legal Research, covering Missouri Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Dustin M. Bray v. Wells Fargo Home Mortgage, Inc., and Envoy Mortgage, LP, (Mo. Ct. App. 2022).

Opinion

In the Missouri Court of Appeals Eastern District DIVISION TWO

DUSTIN M. BRAY, ET AL. ) No. ED110570 ) Appellant, ) Appeal from the Circuit Court of ) the City of St. Louis vs. ) ) WELLS FARGO HOME MORTGAGE, INC., ) Honorable Joan L. Moriarty ) and ) ) ENVOY MORTAGE, LP, ET AL. ) ) Respondents. ) FILED: October 18, 2022

Introduction

Dustin M. Bray (“Bray”) appeals from the circuit court’s grant of summary judgment in

favor of Wells Fargo Home Mortgage, Inc. (“Wells Fargo”) on Bray’s claims of fraud and

outrage and on Wells Fargo’s counterclaim seeking a declaration that its Deed of Trust

establishes a superior interest in the subject property (the “Property”). Bray raises four points on

appeal. Point One argues there exists a genuine dispute of material fact precluding summary

judgment in that Bray submitted evidence showing Wells Fargo knew of Bray’s claimed interest

in the Property prior to acquiring the Deed of Trust. Point Two contends the circuit court erred

in finding Bray was bound by a prior adjudication concerning the Property to which he was not a

party. Point Three asserts the circuit court erred in dismissing Envoy Mortgage, LP (“Envoy”) from Bray’s claim to quiet title in the Property because Envoy did not seek an order of dismissal.

Point Four maintains the circuit court erred in dismissing Envoy because the circuit court lacked

authority to dismiss Envoy over Bray’s objection.

Because Bray did not submit competent evidence demonstrating a genuine dispute of

material fact precluding summary judgment on Wells Fargo’s counterclaim, we deny Point One.

Because Point One concludes the record entitled Wells Fargo to summary judgment independent

of whether Bray was bound by a prior adjudication through privity with another party, we deny

Point Two. Because Envoy’s disclaimer of any interest in the Property rendered Bray’s quiet-

title claim against Envoy moot, the circuit court did not err in dismissing the claim, and we deny

Points Three and Four. We affirm the judgment of the circuit court.

Factual and Procedural History

This appeal stems from multi-party, multi-property litigation originating in 2010. In this

action, the circuit court consolidated various pending cases involving overlapping plaintiffs,

defendants, and properties. In their Third Amended Petition, Bray and other plaintiffs brought

fifteen claims against multiple defendants, alleging damages arising out of fraudulent real estate

transactions occurring in 2008 in which Amanda and Ryan Sullivan (the “Sullivans”) and their

incorporated entity, Banccommercial, LLC (“Banccommercial”), purportedly assigned their

rights to purchase the Property to Bray’s stepmother and co-plaintiff, Kimberly J. Sexton in the

name of her trust. The present appeal concerns only the Property and the interests therein of

Bray, Wells Fargo, and Envoy.

Relevant to this appeal, Bray alleged claims for unjust enrichment (“Count VII–Unjust

Enrichment”), a declaratory judgment to quiet title (“Count VIII–Quiet Title”), negligence

(“Count XI–Negligence”), fraud (“Count XIV–Fraud”), and outrage (“Count XV–Outrage”)

against Wells Fargo with respect to the Property. Bray also brought claims of Unjust Enrichment 2 and Quiet Title against Envoy in Counts VII and VIII. In response, Wells Fargo raised

affirmative defenses and seven counterclaims, including a claim seeking a declaratory judgment

as to the rights, titles, and interests of the parties as to the Property (“Counterclaim”). Wells

Fargo alleged its Note and Deed of Trust established a valid and enforceable first priority lien

showing its superior interest in the Property.

Wells Fargo moved for partial summary judgment on Count XIV–Fraud, Count XV–

Outrage, and its Counterclaim. Bray and Envoy cross-moved for summary judgment on Count

VIII–Quiet Title.

In June 2019, the circuit court entered an order granting partial dismissal of various

counts and parties from the Third Amended Petition. The circuit court dismissed Counts II, III,

VI, VII–Unjust Enrichment, and VIII–Quiet Title of Bray’s Third Amended Petition as to other

defendants on the grounds of res judicata and collateral estoppel (“2019 Dismissal Order”).

Following Wells Fargo’s motion to dismiss, the circuit court dismissed Count VII–Unjust

Enrichment for failure to state a claim upon which relief may be granted in October 2020 and

dismissed Counts V and XI–Negligence in December 2020 (“2020 Dismissal Orders”). Bray has

not appealed from the dismissal orders.

During litigation, Envoy disclaimed all interest in the property, affirmatively alleging that

it had no interest in the Property on behalf of itself, its subsidiaries, or its affiliates.

Subsequently, the circuit court dismissed Count VII–Unjust Enrichment as to Envoy in April

2020. In his motion for summary judgment on Count VIII–Quiet Title, Bray alleged a superior

interest in the Property to Envoy. Envoy responded that it was not a proper party to Bray’s

Count VIII–Quiet Title and was entitled to dismissal because it was rendered moot by Envoy’s

disclaimer of interest.

3 On October 27, 2021 the circuit court issued its order granting partial summary judgment

to Wells Fargo on Count XIV–Fraud, Count XV–Outrage, and the Counterclaim, and dismissing

Count VIII–Quiet Title as to Envoy. The circuit court certified the order as a final judgment (the

“Judgment”) for the purpose of appeal. In the Judgment, the circuit court first dismissed Count

VIII–Quiet Title against Envoy, finding it uncontroverted that Envoy was not claiming any

interest in the Property and therefore was not a proper party in an action to quiet title. The circuit

court then reviewed the remaining claims between Bray and Wells Fargo. The circuit court ruled

that Wells Fargo was entitled to summary judgment on Count XIV–Fraud and Count XV–

Outrage because the claims failed as a matter of law. Bray does not challenge the grant of

summary judgment for Wells Fargo on Counts XIV and XV in his appeal. Regarding the

Counterclaim, the circuit court found in favor of Wells Fargo, holding Wells Fargo’s Note and

Deed of Trust established an interest in the Property superior to any ownership interest claimed

by Bray. Bray now appeals.

Jurisdiction

Before considering the merits of an appeal, we have a duty to determine sua sponte

whether we have jurisdiction to hear the appeal. Wilson v. City of St. Louis, 600 S.W.3d 763,

765 (Mo. banc 2020) (citing First Nat’l Bank of Dieterich v. Pointe Royale Prop. Owners’ Ass’n,

Inc., 515 S.W.3d 219, 221 (Mo. banc 2017)). “An appeal only lies from a final judgment

resolving all issues in the case.” Eclipse Prop. Dev. LLC v. Ammari, 635 S.W.3d 205, 211 (Mo.

App. E.D. 2021) (citing First Nat’l Bank, 515 S.W.3d at 221). “However, Rule 74.01(b)1

authorizes a circuit court to enter judgment on fewer than all claims and certify that judgment as

1 All Rule references are to Mo. R. Civ. P. (2022).

4 a ‘final judgment’ for purposes of appeal where there is no just reason for delay.” Id. (citing

First Nat’l Bank, 515 S.W.3d at 221–22).

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Dustin M. Bray v. Wells Fargo Home Mortgage, Inc., and Envoy Mortgage, LP, Counsel Stack Legal Research, https://law.counselstack.com/opinion/dustin-m-bray-v-wells-fargo-home-mortgage-inc-and-envoy-mortgage-lp-moctapp-2022.