Jalal v. Navy Federal Credit Union

CourtDistrict Court, N.D. Ohio
DecidedOctober 7, 2025
Docket1:25-cv-02005
StatusUnknown

This text of Jalal v. Navy Federal Credit Union (Jalal v. Navy Federal Credit Union) is published on Counsel Stack Legal Research, covering District Court, N.D. Ohio primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Jalal v. Navy Federal Credit Union, (N.D. Ohio 2025).

Opinion

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF OHIO EASTERN DIVISION Kelley-Abdulkarim Jalal, ) CASE NO. 1:25 CV 02005 for Life Estate other ) Abdulkarim Jalal Kelley ) ) Plaintiff, ) JUDGE PATRICIA A. GAUGHAN ) v. ) ) Navy Federal Credit Union, et al., ) Memorandum of Opinion and Order ) Defendants. ) Plaintiff Kelley-Abdulkarim Jalal “for Life Estate other Abdulkarim Jalal Kelley,” proceeding pro se, filed this civil action against the Navy Federal Credit Union, the U.S. Treasury, “State of Michigan-Capital Complex,” and “State of Ohio-Ohio State House.” (Doc. No. 1). Plaintiff also filed an application to proceed in forma pauperis (Doc. No. 2), which the Court grants. For the following reasons, the Court dismisses the action. BACKGROUND Plaintiff’s complaint is composed entirely of incoherent and meaningless rhetoric. In his statement of a claim, Plaintiff states that “I am Principal & Beneficiary [of] my Estate, Deed of Conveyance, Trust Transfer Grantors Deed, County lien, Security agreement, Title, Financing Statement and exemplified Name Decree are all on County record and I’m perpetual secured party in a 14 quadrillion dollar perfected security.” (Doc. No. 1 at 4). He attaches to the complaint a “cover letter” to the Clerk of Court, labeled as “federal equity filing.” (Doc. No. 1- 2). In this letter, Plaintiff refers to himself as “Secured Party, Living Executor in Equity for Crown Jewel Family Trust and Abdul Karim J. Kelley Foreign Trust” and states that he seeks a full accounting, recoupment, liquidation, and deposit of all accounts and property interests held in the name of the “decedent estate/legal fiction styled Abdul Karim Jalal Kelley.” (Id.). The

letter apparently provides instructions to the Clerk of Court concerning “all funds recouped from all accounts.” (Id. at 4). In his request for relief, he asks the Court “to enforce liquidate any and all associated funds/securities acknowledge with declaratory judgment the family of Principal Beneficiary and Life Estate for Full Administration of Estate and All pre-exemplified filings for perpetual establishing.” (Doc. No. 1 at 4). STANDARD OF REVIEW Plaintiff filed an application to proceed in forma pauperis (Doc. No. 2). The Court grants

that application. Because Plaintiff is proceeding in forma pauperis, the complaint is subject to screening under 28 U.S.C. § 1915(e). Pro se pleadings are liberally construed. Boag v. MacDougall, 454 U.S. 364, 365, 102 S. Ct. 700, 70 L. Ed. 2d 551 (1982) (per curiam); Haines v. Kerner, 404 U.S. 519, 520, 92 S. Ct. 594, 30 L. Ed. 2d 652 (1972). The district court, however, is required to dismiss an in forma pauperis action under 28 U.S.C. § 1915(e) if it fails to state a claim upon which relief can be granted, or if it lacks an arguable basis in law or fact. Neitzke v. Williams, 490 U.S. 319, 328,

109 S. Ct. 1827, 104 L. Ed. 2d 338 (1989); Lawler v. Marshall, 898 F.2d 1196 (6th Cir. 1990); Sistrunk v. City of Strongsville, 99 F.3d 194, 197 (6th Cir. 1996). A claim lacks an arguable basis in law or fact when it is premised on an indisputably meritless legal theory or when the -2- factual contentions are clearly baseless. Neitzke, 490 U.S. at 327. A cause of action fails to state a claim upon which relief may be granted when it lacks “plausibility in the complaint.” Bell Atl. Corp. v. Twombly, 550 U.S. 544, 564, 127 S. Ct. 1955, 167 L. Ed. 2d 929 (2007). Under Federal Rule of Civil Procedure 8(a)(2), a pleading must contain a “short and

plain statement of the claim showing that the pleader is entitled to relief.” Ashcroft v. Iqbal, 556 U.S. 662, 677-78, 129 S. Ct. 1937, 173 L. Ed. 2d 868 (2009). The factual allegations in the pleading must be sufficient to raise the right to relief above the speculative level on the assumption that all the allegations in the complaint are true. Twombly, 550 U.S. at 555. The plaintiff is not required to include detailed factual allegations, but he or she must provide more than “an unadorned, the defendant unlawfully harmed me accusation.” Iqbal, 556 U.S. at 678. A pleading that offers legal conclusions or a simple recitation of the elements of a cause of action will not meet this pleading standard. Id. The court is “not bound to accept as true a legal

conclusion couched as a factual allegation.” Papasan v. Allain, 478 U.S. 265, 286, 106 S. Ct. 2932, 92 L. Ed. 2d 209 (1986). In reviewing a complaint, the court must construe the pleading in the light most favorable to the plaintiff. Bibbo v. Dean Witter Reynolds, Inc., 151 F.3d 559, 561 (6th Cir. 1998). DISCUSSION As an initial matter, the complaint consists only of incoherent, conclusory assertions,

providing no facts upon which a court could find defendants engaged in any wrongdoing. This Court recognizes that pro se pleadings are held to a less stringent standard than formal pleadings drafted by lawyers. El Bey v. Roop, 530 F.3d 407, 413 (6th Cir. 2008). -3- However, the “lenient treatment generally accorded to pro se litigants has limits.” Pilgrim v. Littlefield, 92 F.3d 413, 416 (6th Cir. 1996). Liberal construction for pro se litigants does not “abrogate basic pleading requirements.” Wells v. Brown, 891 F.2d 591, 594 (6th Cir. 1989). The Court is not required to conjure unpleaded facts or construct claims against defendants on behalf

of a pro se plaintiff. See Beaudett v. City of Hampton, 775 F.2d 1274, 1278 (4th Cir. 1985). Although specific facts are not required, to meet the basic minimum notice pleading requirements of Rule 8 of the Federal Rules of Civil Procedure, a plaintiff’s complaint must give the defendants fair notice of what the plaintiff’s legal claims are and the factual grounds on which they rest. See Bassett v. Nat’l Collegiate Ath. Ass’n, 528 F.3d 426, 437 (6th Cir. 2008); see also Scheid v. Fanny Farmer Candy Shops, Inc., 859 F.2d 434, 437 (6th Cir. 1988) (all complaints must contain either direct or inferential allegations respecting all material elements of some viable legal theory to satisfy federal notice pleading requirements) (citations omitted).

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Related

Haines v. Kerner
404 U.S. 519 (Supreme Court, 1972)
Boag v. MacDougall
454 U.S. 364 (Supreme Court, 1982)
Papasan v. Allain
478 U.S. 265 (Supreme Court, 1986)
Neitzke v. Williams
490 U.S. 319 (Supreme Court, 1989)
Bell Atlantic Corp. v. Twombly
550 U.S. 544 (Supreme Court, 2007)
Ashcroft v. Iqbal
556 U.S. 662 (Supreme Court, 2009)
Vivian J. Scheid v. Fanny Farmer Candy Shops, Inc.
859 F.2d 434 (Sixth Circuit, 1988)
Torrance Pilgrim v. John Littlefield
92 F.3d 413 (Sixth Circuit, 1996)
El Bey v. Roop
530 F.3d 407 (Sixth Circuit, 2008)
Bassett v. National Collegiate Athletic Ass'n
528 F.3d 426 (Sixth Circuit, 2008)
Wells v. Brown
891 F.2d 591 (Sixth Circuit, 1989)

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Jalal v. Navy Federal Credit Union, Counsel Stack Legal Research, https://law.counselstack.com/opinion/jalal-v-navy-federal-credit-union-ohnd-2025.