Esra Abuarqob v. Erika Castro et al.

CourtDistrict Court, D. Maryland
DecidedDecember 10, 2025
Docket1:24-cv-03467
StatusUnknown

This text of Esra Abuarqob v. Erika Castro et al. (Esra Abuarqob v. Erika Castro et al.) is published on Counsel Stack Legal Research, covering District Court, D. Maryland primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Esra Abuarqob v. Erika Castro et al., (D. Md. 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND . , + ° ESRA ABUARQOB, . . * Plaintiff, * * Civil No. 24-3467-BAH ERIKA CASTRO ET AL., ‘ * Defendants. . .

* * _ # * . *# * * * * * * * * x MEMORANDUM OPINION Plaintiff Esra Abuarqob (“Abuargqob”) brings-this lawsuit against Erika Castro (“Castro”), Rafat A. Abuargob (“Rafat”), Bank of America, N-A. (“BANA”), Wells Fargo Bank, N.A. (“Wells

_ Fargo”), Fatin Alkhaleel (“Fatin’), and Ali Alkhaleel (“Ali”) (collectively “Defendants”),! asserting multiple claims arising from an alleged scheme to steal identities for illicit gain. ECF 16. Pending before the Court are four motions to dismiss Abuargob’s amended complaint filed by Rafat and Castro (ECF 22), Ali (ECF 29), Wells Fargo (ECF 36), and Fatin (ECF 37). Also before - Court are three motions filed by Abuarqob requesting leave to file a second amended complaint adding two additional plaintiffs, Irina Ursu (formerly known as Irina Baluta) (“Baluta”) and Mohammed Argob (“Arqob”), and alleging additional facts in support of several claims. See ECF

| Abuargob alleges that Erika Castro is also known as “Ericka Castro” and “Golda Herrera Aguilera,” ECF 43-1, at 2, and refers to Castro as “Aguilera” throughout the proposed second amended complaint. The Court will refer to her as “Castro” throughout this opinion. Also, to avoid confusion due to their shared surnames, the Court refers to Defendant Rafat Abuargob as “Rafat” and Plaintiff Esra Abuargob as “Abuarqob.” The Court also refers to Fatin Alkhaleel and Ali Alkhaleel as “Fatin” and “Ali” due to their shared surname. .

35, ECF 40, and ECF 43.7 Numerous responses and replies to the seven motions have been filed by Abuargob and Defendants. See ECF 31 (Abuarqob’s response to Rafat and Castro’s motion to dismiss); ECF 32 (Abuargob’s amended response to Rafat and Castro’s motion to dismiss); ECF -

33 (Rafat and Castro’s reply): ECF 38 (Rafat and Castro’s response to ECF 35); ECF 39 (Ali’s response to ECF 35); ECF 41 (Rafat and Castro’s response to ECF 40); ECF 42 (Ali’s response to ECF 40); ECF 45 (Fatin and Wells Fargo’s response to ECF 43); ECF 46 (Rafat and Castro’s response to ECF 43); ECF 47 (Ali’s response to ECF 43). The Court has reviewed all relevarit filings and finds that no hearing is necessary. See Loc. R. 105.6 (D. Md. 2025). For the reasons stated below, Abuarqob’s motion to amend (ECF 43) is GRANTED, except for the request to add Doe plaintiffs. Abuargob’s other motions to amend (ECF 35 and ECF 40) are DENIED AS MOOT, as is Abuarqob’s request to delay a ruling on any pending motions to dismiss. Given that the previous complaints are superseded by the filing of the amended complaint, the four motions to dismiss the first amended complaint, ECFs 22, 29, 36, and 37, are DENIED AS MOOT without prejudice to be refiled in the form of a challenge to ECF 43-1, which is now the operative complaint.

2 Though ECFs 35, 40, and 43 are all docketed as individual motions, the arguments in support of □ Abuargqob’s request to file a second amended complaint are found in ECF 35 and ECF 40. ECF 43 simply provides the Court with a copy of the Second Amended Complaint (ECF 43-1) and a redlined version (ECF 43-2) as required by Local Rules 103.6(a) and 103.6(b). Consistent with how the filings have been docketed, the Court will address ECF 43 as an independent motion to amend that incorporates the arguments contained in ECF 35 and ECF 40. Accordingly, the Court will deny as moot ECFs 35 and 40, and address all arguments contained therein as it decides ECF 43, 3 The Court references all filings by their respective ECF numbers and page numbers by the ECF- generated page numbers at the top of the page.

I. BACKGROUND A. Factual Background . The Court begins by offering a short summary of the allegations contained in the second amended complaint, which the Court accepts as true for purposes of addressing the pending

motions. See Caperton v. Virginia Dep't of Transportation, 684 F. App’x 322, 323 (4th Cir. 2017) (noting that when’ assessing whether a proposed amended complaint would be futile, courts “employ the same standard that would apply to fa] review of a motion to dismiss,’” including “accepting: all factual allegations in the amended complaint as true” (quoting United States ex rel. Ahumada vy. NISH, 756 F.3d 268, 274 (4th Cir. 2014))). Abuargob and proposed plaintiffs Baluta and Argob (collectively, with Abuargob, “Plaintiffs”) each allege that they came to the United States at different times under J] student visas and were subsequently employed at one of the □

various restaurants owned and managed by former spouses Rafat and Castro. ECF 43-1, at □□□□ 14, at 12 69, at 13 4 78, 80. Plaintiffs allege that, as a condition of employment, Rafat and Castro required them to provide copies of their identification documents including pictures of Plaintiffs’ passports, visas, and social security cards. Jd. at 4917, at 12971, at 13.979. Plaintiffs allege that they later discovered that Rafat and Castro fraudulently opened credit cards and bank accounts with various banking institutions in Plaintiffs’ names, including with Wells Fargo and BANA, and created limited liability companies in Plaintiffs’ names. fd. at 5-6 Yj 26-28, at 38, at 12-13 □□ 73-74, at 14-15 {| 86. Rafat and Castro allegedly perpetrated this scheme with the assistance of Fatin, a Wells Fargo banker, and her spouse Ali, who allegedly filed the articles of incorporation for at least one of the fraudulent companies. See id. at 6 | 28, at'8 741, at 9 9 47, at 1051. Arqob also alleges that as part of his employment duties with Rafat and Castro’s restaurant, he was instructed to

“collect[] mail from multiple addresses” and “open a [post office] box,” where he alleges Rafat, Castro, and others received mail related to the identity theft scheme. Id. at 13-14 81-82, 85. Plaintiffs allege that Rafat, Castro, Fatin, and Ali, along with other perpetrators and entities not parties to this case, “acted in concert with each other to pursue a common interest for the benefit of their enterprise,” which Plaintiffs refer to as the “Rafat Enterprise.” Id. at 9953. : The second amended complaint brings six claims including: violation of the Racketeer Influenced and Corrupt Organization (“RICO”) Act against Castro, Rafat, Fatin, and Ali (Count I); fraud against Castro and Rafat (Count II); civil conspiracy against Rafat, Castro, Ali, Fatin “and/or in the alternative Wells Fargo” (Count III); unjust enrichment against Rafat, Castro, Fatin, and Ali (Count IV); negligence against Wells Fargo and BANA (Count V); and violation of 15 - US.C. § 1681 et seq. against BANA (Count VI). /@. at 16-26 ff 93-155. Abuarqob has modified Count II of the second amended ‘complaint to remove Wells Fargo, Fatin, and Ali as defendants, Id. at 19. Abuarqob also adds allegations involving Baluta and Arqob and includes further factual development in support of the claims. For example, the second amended complaint specifies which Defendants were allegedly involved in certain acts, see, e.g., id. at 5-6 26-27, and iricludes temporal details to help establish certain elements of Plaintiffs’ RICO claim, see, ¢.g., id. at 9 | 48, at 10] 53-54. . B. Procedural Background

On November 27, 2024, Abuargob filed her initial complaint in this case against Rafat, □ Castro, and BANA. ECF 1. Rafat and Castro filed a motion to dismiss on February 10, 2025, ECF 7, and BANA filed an answer on February 21, 2025, ECF 9. On February 28, 2025, Abuarqob filed an amended complaint as a matter of course, adding Wells Fargo, E atin, and Ali as defendants and thereby mooting the motion to dismiss at ECF 7. See ECF 16 (amended complaint); ECF 21

|

(order denying ECF 7 as moot).

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