Joseph C. Zoghaib v. Societe Generale de Banque au Liban, et al.

CourtDistrict Court, S.D. Florida
DecidedApril 8, 2026
Docket1:25-cv-20097
StatusUnknown

This text of Joseph C. Zoghaib v. Societe Generale de Banque au Liban, et al. (Joseph C. Zoghaib v. Societe Generale de Banque au Liban, et al.) is published on Counsel Stack Legal Research, covering District Court, S.D. Florida primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Joseph C. Zoghaib v. Societe Generale de Banque au Liban, et al., (S.D. Fla. 2026).

Opinion

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA

CASE NO. 25-CV-20097-MOORE/Elfenbein

JOSEPH C. ZOGHAIB,

Plaintiff,

v.

SOCIETE GENERALE DE BANQUE AU LIBAN, et al.,

Defendants. _______________________________/

AMENDED OMNIBUS REPORT AND RECOMMENDATION ON DEFENDANTS’ MOTIONS TO STAY DISCOVERY1 THIS CAUSE is before the Court on Defendant Banque du Liban’s (“BdL”) Motion to Stay Discovery and Postpone Mediation (“BdL’s Motion”), ECF No. [75], and Société Générale De Banque Au Liban’s (“SGBL” and collectively, the “Defendants”) Motion to Stay Discovery and Postpone Mediation Pending Resolution of its Dispositive Motion to Dismiss (“SGBL’s Motion”), ECF No. [78]. The Honorable K. Michael Moore referred the above-captioned case to me pursuant to 28 U.S.C. § 636 and the Magistrate Rules of the Local Rules of the Southern District of Florida to take “all necessary and proper action as required by law regarding all pre- trial, non-dispositive matters and for a Report and Recommendation on any dispositive matters.” See ECF No. [6]. Having reviewed the briefing on the issues, the relevant case law, and exhibits, for the reasons explained below, I RECOMMEND that BdL’s Motion, ECF No. [75], and SGBL’s Motion, ECF No. [78], both be GRANTED.

1 The original Report and Recommendation has been amended solely to add language on page 15 informing the Parties of their right to object and the timeframe to do so. Such language was inadvertently omitted from the original Report and Recommendation. I. BACKGROUND Pro se Plaintiff Joseph Zoghaib (“Plaintiff” or “Zoghaib”) initiated this action on January 1, 2025, see ECF No. [1], and thereafter filed filed an Amended Complaint, ECF No. [33], which is the operative pleading. In the Amended Complaint, Zoghaib alleges that SGBL, a private bank in Lebanon, issued a cashier’s check to him from the account he held there, and that the cashier’s check that SGBL issued was, in turn, drawn from its account with BdL. See ECF No. [33] at ¶¶14- 15. He further alleges that, following “the collapse of Lebanon’s financial system on October 17,

2019, Defendants began issuing checks drawn on accounts at B[d]L, knowing these checks could not be honored,” and that Plaintiff was the recipient of such a check from SGBL, which was not honored when he attempted to deposit it in Miami, Florida. See ECF No. [33] at ¶30. Specifically, on November 26, 2021, Zoghaib alleges that he received a cashier’s check from SGBL in the amount of $336,000 and when he attempted to cash the check for payment on April 1, 2024, SGBL “dishonored the cashier’s check,” citing “FOREIGN REGULATORS PROHIBIT CLEARING OF THE CHECK— PLEASE CONTACT THE PERSON WHO WROTE IT.” See ECF No. [33] at ¶¶47-49. Against this factual backdrop, Zoghaib has alleged claims against both Defendants for breach of contract (Count I), violation of the Uniform Commercial Code, holder in due course (Count II), conversion (Count III), unjust enrichment (Count IV), promissory estoppel (Count V),

common law fraud (Count VI), breach of fiduciary duty (Count VII), breach of covenant of good faith and fair dealing (Count VIII), deceptive trade practices/consumer protection (Count IX), equitable estoppel (Count X), intentional infliction of emotional distress (Count XI), constructive trust (Count XII), punitive damages (Count XIII), negligence (Count XIV), violation of international banking laws (Count XV), and violation of 18 U.S.C. §§1961-1968 (Count XVI).2 See ECF No. [33] at 13-25. Both BdL and SGBL have moved to dismiss the Amended Complaint. See ECF No. [72] and ECF No. [81]. BdL’s Motion to Dismiss is based on 28 U.S.C. §§ 1602 et seq., 1608(b), and

Federal Rules of Civil Procedure 12(b)(1), 12(b)(2), 12(b)(5), and 12(b)(6). See id. at 1. BdL asserts that the Court should dismiss the Amended Complaint for a multitude of procedural and substantive reasons including, failure to comply with the strict service requirements of the Foreign Sovereign Immunities Act (“FSIA”); lack of subject-matter jurisdiction because BdL is entitled to foreign sovereign immunity; lack of personal jurisdiction; the Act of State Doctrine; forum non conveniens; improper venue; and failure to state a claim under Lebanese or Florida law. See e.g., ECF No. [72] at 10, 13, 20, 22, 25, 26, and 29. SGBL’s Motion to Dismiss likewise presents a plethora of procedural and substantive arguments for dismissal, including that Zoghaib failed to allege a prima facie case of personal jurisdiction; the mandatory forum-selection clause requires dismissal under forum non conveniens; the Act of State Doctrine requires dismissal; and that

Zoghaib fails to assert claims under either Lebanese or Florida law. See e.g., ECF No. [81] at 8, 15, 18, and 19. Contemporaneous with the filing of the Motions to Dismiss, both BdL and SGBL also moved to stay discovery pending their resolution. See ECF No. [75] and ECF No. [78]. In BdL’s Motion, ECF No. [75], it argues that it is immune from any liability under the FSIA and this “threshold jurisdictional issue” must be resolved before it is subject to the burdens of discovery and mediation, explaining that courts routinely stay discovery when immunity is involved. See

2 Although the Amended Complaint purports to allege 17 counts, it only contains 16 counts as there is no Count VII identified. See generally ECF No. [33]. The Court has conformed the Count numbers to account for this error in the Amended Complaint. ECF No. [75] at 5. According to BdL, denying immunity under FSIA establishes interlocutory appeal jurisdiction and BdL intends to raise the issue on appeal, should this Court deny its pending Motion to Dismiss. See ECF No. [75] at 6-7. Further, BdL points out that this argument mirrors the arguments that “courts have repeatedly accepted in nearly identical lawsuits brought by

Lebanese-American depositors arising out of the Lebanese financial crisis against BdL.” See ECF No. [75] at 6. Next, BdL seeks to stay discovery, arguing that its facial challenges to the Amended Complaint must be resolved before discovery or mediation begins as a “preliminary peek” confirms that BdL’s Motion to Dismiss is likely case dispositive. See ECF No. [75] at 1-2, 5-7. Specifically, BdL explains that several courts have already analyzed nearly identical lawsuits and found them to be likewise jurisdictionally defective. See ECF No. [75] at 8-9. Adding to that point, BdL states that discovery at this stage would be futile because discovery cannot supply jurisdiction where the pleadings affirmatively negate it. See ECF No. [75] at 8-9. This is because, according to BdL, “[n]o amount of discovery could transform sovereign Lebanese financial

measures into commercial acts, create U.S.-based conduct where none exists, or produce a jurisdictional hook absent from the Amended Complaint.” See ECF No. [75] at 9. Finally, BdL states that it cannot be subject to discovery or mediation absent proper service of process, which BdL has also challenged, and that a temporary stay will not unduly prejudice Zoghaib. See ECF No. [75] at 1-2, 5-7. For its part, SGBL’s Motion argues that a “preliminary peek” at its Motion to Dismiss reveals that it is meritorious and dispositive of all claims as well.

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Joseph C. Zoghaib v. Societe Generale de Banque au Liban, et al., Counsel Stack Legal Research, https://law.counselstack.com/opinion/joseph-c-zoghaib-v-societe-generale-de-banque-au-liban-et-al-flsd-2026.