John M. Herrmann and Conchita Herrmann v. Credit Union of Texas, et al.

CourtDistrict Court, W.D. Texas
DecidedJanuary 15, 2026
Docket5:25-cv-00642
StatusUnknown

This text of John M. Herrmann and Conchita Herrmann v. Credit Union of Texas, et al. (John M. Herrmann and Conchita Herrmann v. Credit Union of Texas, et al.) is published on Counsel Stack Legal Research, covering District Court, W.D. Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
John M. Herrmann and Conchita Herrmann v. Credit Union of Texas, et al., (W.D. Tex. 2026).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TEXAS SAN ANTONIO DIVISION

JOHN M. HERRMANN AND § CONCHITA HERRMANN, § Plaintiffs § SA-25-CV-642-XR § -vs- § § CREDIT UNION OF TEXAS, et al., § Defendants §

ORDER On this date, the Court considered (1) Defendants’ motions to dismiss (ECF Nos. 14, 26) and motions to declare Plaintiffs vexatious litigants (ECF Nos. 15, 27) and the parties’ briefing thereon (ECF Nos. 16, 19–23, 29–30); and (2) Plaintiffs’ various motions (ECF Nos. 36, 40, 44– 48, 51), and the parties’ briefing thereon (ECF Nos. 41, 42, 49–53); and (3) Defendants’ Motion to Require Plaintiffs to Obtain Leave of Court Before Filing Additional Pleadings and Order Relieving Defendants of Any Obligation to Respond Absent Court Direction (ECF No. 54). After careful consideration, the Court issues the following order. BACKGROUND This is one of eight lawsuits that Plaintiffs have filed in the San Antonio division of the Western District of Texas since May 2024.1 In addition, Mr. Herrmann has filed at least ten lawsuits in Justice Court, Precinct 3 of Guadalupe County.2

1 See Herrmann v. Bridger, No. 5:24-CV-545-JKP-RBF (dismissed under Rules 12(b)(5) and 12(b)(6); Herrmann v. Pointer, No. 5:24-CV-764-XR (dismissed under Rules 12(b)(1) and 12(b)(6)); Herrmann v. Jon, No. 5:24-CV-1025- XR (dismissed under Rules 12(b)(1) and 12(b)(6)); Herrmann v. Biery, No. 5:24-CV-1195-XR (dismissed sua sponte on the basis of judicial immunity); Herrman v. Pulliam, No. 5:24-CV-1387-FB (pending); Herrmann v. Ray, No. 5:25- CV-120 (dismissed for failure to prosecute); Herrmann v. Squires, III, No. 5:25-CV-561-OLG (dismissed under § 1915(e)); Herrmann v. Credit Union of Tex., No. 5:25-CV-642-XR (pending). 2 See Herrmann v. Leonie, No. S323107 (dismissed via plea to the jurisdiction); Herrmann v. Bridger, No. S323108 (dismissed via plea to the jurisdiction); Herrmann v. Cecil, No. S323109 (dismissed via plea to the jurisdiction); Herrmann v. Lane, No. S323110 (dismissed via plea to the jurisdiction); Herrmann v. Delgado, No. C323111 (dismissed via plea to the jurisdiction); Herrmann v. England, No. C323112 (dismissed via plea to the jurisdiction); Herrmann v. Mallett, No. C323113 (dismissed via plea to the jurisdiction); Herrmann v. Mora, No. C323114 Nearly all the Herrmanns’ lawsuits—including this one—arise out of their default on a home equity line of credit (“HELOC”), the subsequent foreclosure of the lien securing the HELOC by Defendant Credit Union of Texas (“CUTX”), the resulting forcible detainer suit filed against the Herrmanns, and local officials’ efforts to evict them.3 The targets of the Herrmanns’ numerous lawsuits are often, among others, County officials, County employees, City officials, City

employees, state judges, and federal judges. I. The HELOC In December 2021, the Herrmanns obtained a HELOC, secured by their property located at 2042 Carter Lane in New Braunfels, Texas (the “Property”). ECF No. 8 ¶ 2; see ECF No. 12-3 (Deed of Trust).4 They immediately drew down about $310,000. Between February 2022 and November 2023, the Herrmanns made some payments of principal and interest and occasionally drew down additional funds from the HELOC, but around December 2023 they ceased making payments.

(dismissed via plea to the jurisdiction); Herrmann v. Reynolds, No. C323115 (dismissed via plea to the jurisdiction); Herrmann v. Garner, No. C323116 (dismissed via plea to the jurisdiction). 3 Credit Union of Tex. v. Herrmann, No. 24-2744-CVC (25th Judicial District Court of Guadalupe County, Texas); Credit Union of Tex. v. Herrmann, No. JEV4-3951 (Justice Court, Precinct 4 of Guadalupe County, Texas). 4 The operative pleading, filed on June 30, 2025, appears to be docketed at ECF No. 8. A week later Plaintiffs filed an “amendment” to their original complaint adding over 95 pages of exhibits, which the Court construes as a supplemental (rather than amended) pleading. See ECF No. 12. These exhibits include several articles about mortgage securitization, documents submitted by a private investigator purporting to locate the HELOC in a securitization trust (CUTX Debt Securities 1-2022), the Deed of Trust, and Guadalupe County court orders and transcripts. See ECF Nos. 12-1–7. In deciding a motion to dismiss, a court may consider documents incorporated into the complaint by reference. See Tellabs, Inc. v. Makor Issues & Rights, Ltd., 551 U.S. 308, 322 (2007). The Court may also consider any documents attached to the complaint. Lone Star Fund V (U.S.), L.P. v. Barclays Bank PLC, 594 F.3d 383, 387 (5th Cir. 2010). Because these documents are central to the claims in the complaint and referenced therein, the Court may consider them in evaluating Defendants’ motions to dismiss. II. Foreclosure Litigation and Foreclosure Sale5 In July 2024, the Herrmanns sued in federal court, seeking to prevent foreclosure of the Property and alleging claims sounding in fraud against seven CUTX employees (but not CUTX itself) based on a purportedly improper securitization of the HELOC and defective UCC filings. See Herrmann v. Pointer et al., No. 5:24-cv-764-XR, ECF No. 1 (W.D. Tex. July 11, 2024).6 Those

claims were dismissed in July 2025 for lack of subject matter jurisdiction. See id., ECF No. 71. In October 2024, CUTX filed suit in Texas state court seeking to foreclose on the lien securing the HELOC. The 25th Judicial District Court of Guadalupe County entered an expedited order allowing foreclosure of the lien securing the HELOC under Tex. R. Civ. P. 736 in December 2024. See ECF No. 8 ¶ 3; ECF No. 12-5 (Order Allowing Foreclosure). The Herrmanns’ appeal of the foreclosure judgment was dismissed because Tex. R. Civ. P. 736 expressly disallows such appeals. See Herrmann v. Credit Union of Tex., No. 04-24-848-CV, 2025 WL 615397, at *1 (Tex. App.—San Antonio, Feb. 26, 2025, pet. denied). On January 7, 2025, the Property was sold at a non-judicial foreclosure sale, and, “pursuant

to section 21 of the deed of trust, the Herrmanns became tenants at sufferance.” Herrmann v. Credit Union of Texas, No. 04-25-209-CV, 2025 WL 2235001, at *2 (Tex. App.—San Antonio, Aug. 6, 2025, pet. denied).7

5 The Court takes judicial notice of orders filed in the Herrmanns’ previous lawsuits. See Krystal One Acquisitions, LLC v. Bank of Am., N.A., 805 F. App’x 283, 287 (5th Cir. 2020) (permitting district court to take judicial notice of filings from prior lawsuits because such documents were public records). 6 This suit was later consolidated with a case filed by the Herrmanns in September 2024, apparently in anticipation of tax collection proceedings against them by Comal County and Guadalupe County. See Herrmann v. Hoyt et al, No. 5:24-cv-1025-XR, ECF No. 1 (W.D. Tex. Sept. 10, 2024). Those cases were transferred to Judge Pulliam (after the Herrmanns sued Judge Biery, who was assigned to the lead action, in another case) and then to the undersigned (after the Herrmanns sued Judge Pulliam). 7 See also ECF No. 12-3 at 29 (“If the Property is sold pursuant to this Section 21, Borrower . . . shall immediately surrender possession of the Property to the purchaser at that sale. If possession is not surrendered Borrower . . . shall be a tenant at sufferance and may be removed by writ of possession or other court proceeding.”). III. Forcible Detainer and Eviction On March 31, 2025, the Guadalupe County Court granted CUTX’s motion for summary judgment, entered a forcible detainer eviction judgment against the Herrmanns, and issued a writ of possession. See ECF No. 12-6.8 Their appeal was later dismissed as moot because, “[as] tenants at sufferance under the deed of trust, they [were] unable to assert a potentially meritorious claim

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John M. Herrmann and Conchita Herrmann v. Credit Union of Texas, et al., Counsel Stack Legal Research, https://law.counselstack.com/opinion/john-m-herrmann-and-conchita-herrmann-v-credit-union-of-texas-et-al-txwd-2026.