Erickson v. JPMorgan Chase Bank NA

District Court, W.D. Washington·Decided February 28, 2024·No. 2:23-cv-01801·Unknown

Opinion

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5 6 7 UNITED STATES DISTRICT COURT 8 WESTERN DISTRICT OF WASHINGTON AT SEATTLE 9 10 JOHN ERICKSON et al., CASE NO. 2:23-cv-01801-LK 11 Plaintiffs, ORDER DENYING MOTIONS TO 12 v. REMAND, FOR DEFAULT, AND TO STRIKE MOTION FOR 13 JPMORGAN CHASE BANK, N.A. et al., DEFAULT; GRANTING MOTIONS TO DISMISS 14 Defendants. 15

16 This matter comes before the Court on Plaintiffs John and Shelley Erickson’s motions to 17 remand, Dkt. Nos. 9, 21, and Defendants’ motions to dismiss, Dkt. Nos. 27, 48. Also before the 18 Court are the Ericksons’ motion for default, Dkt. No. 23, and JPMorgan Chase Bank, N.A.’s 19 motion to strike the motion for default, Dkt. No. 25. For the reasons set forth below, the Court 20 grants the motions to dismiss, and denies the motions to remand, for default, and to strike the 21 motion for default. 22 I. BACKGROUND 23 In 2006, the Ericksons purchased a house in Auburn, Washington with a loan from Long 24 Beach Mortgage Company. Dkt. No. 1-3 at 3; Deutsche Bank Nat’l Tr. Co., as Tr. for Long Beach 1 Mortg. Loan Trust 2006-4 v. Erickson, No. 73833–0–I, 2017 WL 571526, at *1 (Wash. Ct. App. 2 Feb. 13, 2017) (unpublished) (“Deutsche Bank I”).1 The Ericksons and Long Beach executed a 3 deed of trust with Old Republic Title Ltd. as trustee. Deutsche Bank I, 2017 WL 571526, at *1. 4 Long Beach was part of Washington Mutual Inc. (“WaMu”), and when WaMu failed, JPMorgan

5 Chase Bank, N.A. (“Chase”) purchased its assets. Id. Shortly after executing the loan, Long Beach 6 sold the loan into Long Beach Mortgage Loan Trust 2006–4 with Deutsche Bank National Trust 7 Co. (“Deutsche Bank”) as the trustee. Id. 8 The Ericksons did not “make any more payments to Chase after October 2009[.]” Dkt. No. 9 22 at 2. Eventually, their property was foreclosed upon and sold in a trustee’s sale in October 2022, 10 and they have filed this action to “cancel and expunge” what they contend are a forged promissory 11 note lacking the original “wet ink” signature and fraudulent assignments of the deed of trust. Dkt. 12 No. 1-3 at 2, 8, 21–22; Dkt. No. 42 at 5. 13 A. The Long History of This Dispute 14 The Ericksons have launched a series of lawsuits regarding the loan and assignments over

15 the course of the past 13 years. 16 1. The Ericksons’ 2010 Lawsuit 17 In 2010, the Ericksons filed suit in state court against Long Beach Mortgage Company, 18 WaMu, Deutsche Bank, and Chase asserting various state and federal law theories. Erickson v. 19 Long Beach Mortg. Co., No. 10-1423-MJP, 2011 WL 830727, at *2 (W.D. Wash. Mar. 2, 2011). 20 After the case was removed to this Court, the Court granted the defendants’ motion for summary 21 judgment and dismissed the action with prejudice. Id. at *3–7. Of relevance here, the Court rejected 22

23 1 District courts routinely take judicial notice of public records, court filings and orders, and dockets in other cases. See Reyn’s Pasta Bella, LLC v. Visa USA, Inc., 442 F.3d 741, 746 n.6 (9th Cir. 2006) (“We may take judicial notice 24 of court filings and other matters of public record.”). 1 the Ericksons’ contention that the defendants lacked standing to foreclose because they were not 2 the original creditors and could not produce the original note. Id. at *3. Emphasizing that “[c]ourts 3 have routinely held that this so-called ‘show me the note’ argument lacks merit,” the Court held 4 that “the Ericksons d[id] not credibly challenge” evidence provided by the defendants

5 “demonstrating their ownership of the note[.]” Id. (cleaned up). The Ninth Circuit affirmed. See 6 Erickson v. Long Beach Mortg. Co., 473 F. App'x 746, 747 (9th Cir. 2012). 7 2. The Trust’s 2014 Foreclosure Action 8 In January 2013, Chase assigned all beneficial interest under the deed of trust to Deutsche 9 Bank. Deutsche Bank I, 2017 WL 571526, at *1; Dkt. No. 68 at 6–8 (Assignment of Deed of Trust 10 and Appointment of Successor Trustee). In 2014, Deutsche Bank filed an action in King County 11 Superior Court to foreclose on the deed of trust. Deutsche Bank I, 2017 WL 571526, at *1. The 12 Ericksons responded that Deutsche Bank failed to show that it possessed the original note, and 13 therefore it lacked standing to foreclose. Id. The court granted Deutsche Bank’s motion for 14 summary judgment and entered judgment and a decree of foreclosure. Id.

15 The Ericksons appealed. The Washington Court of Appeals affirmed the foreclosure 16 judgment and held that the Ericksons were barred by collateral estoppel from relitigating their 17 contention that Deutsche Bank did not hold the original note. Id. at *3. It also found that “[e]ven 18 if the Ericksons were not collaterally estopped from their substantive arguments, . . . [b]ecause 19 [Deutsche Bank] presented an original, signed, endorsed in blank note at the summary judgment 20 hearing, it was entitled to summary judgment and to enforce the note against the Ericksons.” Id. 21 The Ericksons sought review by the Washington Supreme Court, which denied their petition. See 22 Deutsche Bank Nat’l Tr. Co. v. Erickson, 398 P.3d 1139 (Wash. 2017). 23 A sheriff’s levy was recorded in 2018, and Mr. Erickson then filed a chapter 13 bankruptcy

24 case. In re Erickson, BAP No. WW-22-1186-GFB, 2023 WL 2930057, at *2 (9th Cir. BAP Apr. 1 13, 2023) (unpublished). The bankruptcy case was dismissed, and the dismissal was affirmed. Id. 2 at *8. Ms. Erickson filed separate bankruptcy matters, which were also dismissed. Id. at *2; In re 3 Erickson, BAP Nos. WW-19-1251-FSTa, WW-19-1277-FSTa, 2020 WL 2849930 (9th Cir. BAP 4 May 29, 2020).

5 3. The Ericksons’ 2019 Action 6 In 2019, the Ericksons filed a CR 60 motion in King County Superior Court seeking, among 7 other things, a ruling that the foreclosure judgment was fraud on the court and a declaratory 8 judgment that the 2015 judgment was void. See Erickson v. Deutsche Bank Nat’l Tr. Co., as Tr. 9 for Long Beach Mortg. Loan Tr. 2006-4, No. 81648-9-I, 2021 WL 5564415, at *1 (Wash. Ct. App. 10 Nov. 29, 2021) (unpublished) (“Deutsche Bank II”). The court granted Deutsche Bank’s motion 11 for summary judgment based on collateral estoppel because the 2010 and 2014 actions had already 12 dispensed with the Ericksons’ argument (i.e., that “Deutsche Bank does not possess the valid, 13 original[] note, and therefore did not have standing to foreclose on their home”). Id. at *3. The 14 Washington Court of Appeals affirmed, holding that collateral estopped barred the suit because

15 (1) the issue was identical, (2) the 2010 and 2014 actions “ended on a valid, final judgment on the 16 merits,” (3) the Ericksons were parties to the prior actions, and (4) collateral estoppel would not 17 work an injustice on them. Id. at *3–4 (noting that the Ericksons “have had more than a full and 18 fair opportunity to litigate their case in both state and federal court”). The Washington Supreme 19 Court denied review and the U.S. Supreme Court denied certiorari. Erickson v. Deutsche Bank 20 Nat’l Tr. Co., 508 P.3d 673 (Wash. 2022); Erickson v. Deutsche Bank Nat’l Tr. Co., 143 S. Ct. 21 776 (2023). 22 4. The Ericksons’ 2020 Action 23 On May 7, 2020, the Ericksons filed another complaint in King County Superior Court,

24 this time asserting fraud against the law firm Stoel Rives, LLP and several of its attorneys who 1 represented Deutsche Bank in both the 2014 foreclosure action and the 2019 lawsuit. See Erickson 2 v. Power, No. 82755-3-I, 2022 WL 1210523, at *2 (Wash. Ct. App. 2022). The court granted Stoel 3 Rives’ motion for summary judgment based on collateral estoppel, and the Ericksons appealed. Id. 4 at *2, 4. The Washington Court of Appeals held that collateral estoppel applied because the

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