Kendall v. Caliber Home Loans, Inc.

198 F. Supp. 3d 168, 2016 U.S. Dist. LEXIS 100744, 2016 WL 4047102
District Court, E.D. New York·Decided July 27, 2016·No. 15-CV-3752 (WFK)(LB)·Published·Cited by 14 cases

Opinion

DECISION & ORDER

WILLIAM F. KUNTZ, II, United States District Judge

On June 26, 2015, Bernice Kendall (“Plaintiff’) filed a Complaint against Caliber Home Loans, Inc. and Joe Anderson (collectively, “Defendants”) seeking replevin. On December 10, 2015, Defendants filed a motion to dismiss the Complaint pursuant to Federal Rule of Civil Procedure 12(b)(6). For the reasons below, Defendants’ motion to dismiss is GRANTED, and Plaintiffs action is dismissed without prejudice.

BACKGROUND1

On August 15, 2013, Plaintiff entered into a $253,917.00 note (“Note”) with ICC Mortgage Services (“ICC”). See Note, Ex. A, ECF No. 16-2. The Note was secured by property located at 37 Rhodes Avenue, Bay Shore, New York (“Mortgaged Property”). Id. ¶¶ 1-2; Mortg. at 1, Ex. B, ECF No. 16-2. Pursuant to the mortgage, Plaintiff granted “the right to foreclose and sell the Property” to both ICC and Mortgage Electronic Registration Systems, Inc. (“MERS”), as nominee for ICC. Mortg, at 1-2. MERS, in turn, assigned the Mortgage to Caliber Home Loans, Inc. (“Caliber”). Mortg. Assgn., Ex. C, ECF No. 16-2.

Beginning on June 1, 2014, Plaintiff defaulted by failing to make monthly payments of $1,324.55. State Compl. ¶ 5, Ex. D, ECF No. 16-2; see also Note ¶ 4(C) (setting monthly payments of principle and interest). On December 26, 2014, Caliber initiated a foreclosure action against Plaintiff in the Supreme Court of New York, Suffolk County. See State Action, Ex. D, ECF No. 16-2.

On June 26, 2015, Plaintiff initiated this diversity action against Defendants. See Compl., ECF No. 1; 28 U.S.C. § 1332. On December 10, 2015, Defendants filed a motion to dismiss for failure to state a claim upon which relief can be granted pursuant [170] to Federal Rule of Civil Procedure 12(b)(6). Mot. Dismiss, ECF No. 16.

DISCUSSION

I. Legal Standard

A. Motion to Dismiss

To survive a motion to dismiss, a complaint must set forth a “short and plain statement of the claim showing that the pleader is entitled to relief.” Fed. R. Civ. P. 8(a)(2). “[A] complaint must contain sufficient factual matter, accepted as true, to ‘state a claim to relief that is plausible on its face.’ ” Ashcroft v. Iqbal, 556 U.S. 662, 678, 129 S.Ct. 1937, 173 L.Ed.2d 868 (2009) (quoting Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007)). A claim is plausible “when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Id. The pleading standard of Rule 8 does not require “detailed factual allegations,” but demands “more than labels and conclusions” and “a formulaic recitation of the elements of a cause of action.” Twombly, 550 U.S. at 555, 127 S.Ct. 1955.

A defendant may move to dismiss a complaint pursuant to Rule 12(b)(6) for failure to state a claim upon which relief can be granted before filing a responsive pleading. Fed. R. Civ. P. 12(b)(6). “In ruling on a motion pursuant to Fed. R. Civ. P. 12(b)(6), the duty of a court ‘is merely to assess the legal feasibility of the complaint, not to assay the weight of the evidence which might be offered in support thereof.’ ” DiFolco v. MSNBC Cable L.L.C., 622 F.3d 104, 113 (2d Cir.2010) (quoting Cooper v. Parsky, 140 F.3d 433, 440 (2d Cir.1998)). The court “accept[s] all factual allegations in the complaint as true and draw[s] all reasonable inferences in [the] plaintiffs favor.” In re Thelen LLP, 736 F.3d 213, 218 (2d Cir.2013). Nonetheless, courts “ ‘are not bound to accept as true a legal conclusion couched as a factual allegation.’” Twombly, 550 U.S. at 555, 127 S.Ct. 1955 (quoting Papasan v. Allain, 478 U.S. 265, 286, 106 S.Ct. 2932, 92 L.Ed.2d 209 (1986)).

B. Pro Se Pleadings

On a motion to dismiss, a pro se plaintiffs complaint “must be construed liberally with ‘special solicitude’ and interpreted to raise the strongest claims that it suggests.” Hogan v. Fischer, 738 F.3d 509, 515 (2d Cir.2013) (quoting Hitt v. Curcione, 657 F.3d 116, 122 (2d Cir.2011)). A pro se plaintiff is nevertheless required to satisfy the same pleading requirements. A pro se plaintiffs “[b]ald assertions and conclusions of law are not adequate to withstand a motion to dismiss.” Ruotolo v. Fannie Mae, 933 F.Supp.2d 512, 524-25 (S.D.N.Y.2013) (Karas, J.) (quoting Wilson v. Dalene, 699 F.Supp.2d 534, 554 (E.D.N.Y.2010) (Biano, J.)). That being said, a court “cannot invent factual allegations that [the pro se plaintiff] has not pled.” Chavis v. Chappius, 618 F.3d 162, 170 (2d Cir.2010).

II. Analysis

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Kendall v. Caliber Home Loans, Inc., 198 F. Supp. 3d 168, 2016 U.S. Dist. LEXIS 100744, 2016 WL 4047102 (E.D.N.Y. 2016).

198 F. Supp. 3d 168 (Kendall v. Caliber Home Loans, Inc.) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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