Lane v. U.S. Bank N.A.

2023 Ohio 1552
CourtOhio Court of Appeals
DecidedMay 9, 2023
Docket22AP-358
StatusPublished
Cited by16 cases

This text of 2023 Ohio 1552 (Lane v. U.S. Bank N.A.) is published on Counsel Stack Legal Research, covering Ohio Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Lane v. U.S. Bank N.A., 2023 Ohio 1552 (Ohio Ct. App. 2023).

Opinion

[Cite as Lane v. U.S. Bank N.A., 2023-Ohio-1552.]

IN THE COURT OF APPEALS OF OHIO

TENTH APPELLATE DISTRICT

Thomas Lane, :

Plaintiff-Appellant, : No. 22AP-358 v. : (C.P.C. No. 22CV-3051)

U.S. Bank N.A. as Trustee et al., : (REGULAR CALENDAR)

Defendants-Appellees. :

D E C I S I O N

Rendered on May 9, 2023

On brief: Thomas Lane, pro se. Argued: Thomas Lane.

On brief: Blank Rome, LLP, Robert L. Dawson, and John R. Wirthlin, for appellee U.S. Bank, N.A. Argued: Robert L. Dawson.

APPEAL from the Franklin County Court of Common Pleas

PER CURIAM. {¶ 1} Plaintiff-appellant, Thomas Lane, pro se, appeals from a June 9, 2022 judgment of the Franklin County Court of Common Pleas dismissing with prejudice his action against defendants-appellees, U.S. Bank, N.A. as Trustee (“U.S. Bank”), and GMAC Mortgage LLC (“GMAC”) (collectively “appellees”). For the following reasons, we affirm. I. Facts and Procedural History {¶ 2} The facts and procedural history summarized below are taken from this court’s past decisions in Lane v. U.S. Bank, N.A., 10th Dist. No. 18AP-197, 2018-Ohio-3140 (“Lane I”), and Lane v. U.S. Bank, N.A., 10th Dist. No. 20AP-335, 2021-Ohio-1891 (“Lane II”), and relevant court filings in Franklin C.P. Nos. 08CV-7360, 17CV-354, 17CV- 11425, and 19CV-7293. The trial court filings are not part of the record in the case currently No. 22AP-358 2

on appeal before this court. However, appellate courts may take judicial notice of public court records readily accessible on the internet. Ltd. Invest. Group Corp. v. Huntington Natl. Bank, 10th Dist. No. 21AP-61, 2022-Ohio-3657, ¶ 46, citing State v. Estridge, 2d Dist. No. 2021-CA-25, 2022-Ohio-208, ¶ 12, fn. 1; State ex rel. Hillman v. Phipps, 10th Dist. No. 22AP-636, 2023-Ohio-635, ¶ 12; State ex rel. Everhart v. McIntosh, 115 Ohio St.3d 195, 2007-Ohio-4798, ¶ 8. As the trial court filings in case Nos. 08CV-7360, 17CV-354, 17CV- 11425, and 19CV-7293 are publicly available on the internet, we take judicial notice of them. {¶ 3} In case No. 08CV-7360, on May 20, 2008, U.S. Bank filed a complaint in foreclosure on Lane’s property at 2921 Wambli Drive, Columbus, Ohio (“the property”). The trial court issued a judgment entry and decree in foreclosure in favor of U.S. Bank on September 29, 2008. The property was sold to U.S. Bank at sheriff’s sale on May 22, 2009. On June 9, 2009, Lane filed a “Notice of Objection to Confirmation of Sale, and Motion to Set Aside Sheriff’s Sale of Property at Auction” (“Objection”). The Objection was filed on behalf of Lane by Attorney Walter Mahon and the Nationwide Home Relief Law Group, P.A. (“Nationwide Home Relief”). Mahon listed several grounds in support of the Objection, including: “(2) [U.S. Bank] acted in bad faith, (3) [U.S. Bank] made false and misleading representations to [Lane] that it would adjourn the sale while the parties were negotiating a fair and equitable settlement, [and] (4) [U.S. Bank] defrauded [Lane] regarding its commitment to provide a settlement opportunity to [Lane] that would reasonably permit [Lane] to remain in [his] primary, owner-occupied residence.” (Obj. at 1.) {¶ 4} Attached to the Objection was a document titled “Declaration of Walter Mahon, Esq. in support of [Lane’s] Objection to Confirmation of Foreclosure Sale and Motion to Set Aside Sheriff’s Sale of Property at Auction” (“Declaration”). (Obj. at 3.) In the Declaration, Mahon detailed the efforts he and his colleagues at Nationwide Home Relief made between January 8 and May 22, 2009 (when the property was sold) to negotiate a loan modification agreement on behalf of Lane. According to Mahon, initial negotiations were with Bill Pittman, the regional district manager of Homecomings Financial (“Homecomings”), who indicated Lane was eligible for a loan modification. However, over the next several months, Pittman ceased responding to Nationwide Home No. 22AP-358 3

Relief’s requests for updates on the loan modification process. Homecomings eventually refused to speak with Nationwide Home Relief, alleging that its files contained no third- party authorization. In the Declaration’s conclusory paragraph, Mahon averred: [Lane] hereby asserts that [U.S. Bank], by and through its agents and/or employees, repeatedly made false and misleading statements to [Lane], stating that it would adjourn the sale while parties negotiated a[n] equitable settlement, when in fact [U.S. Bank] never intended to reach an agreement. [U.S. Bank] acted in bad faith during modifications [sic] negotiations. [U.S. Bank] failed to respond despite numerous attempts by Nationwide to contact [U.S. Bank]. As such [Lane] is hereby entitled to have the * * * Court deny the Confirmation of the Sale, and thereby have said sale set aside in accordance with the mandates of Ohio law.

(Declaration at ¶ 31.) {¶ 5} On July 21, 2009, the parties filed a joint motion to stay a ruling on the pending Objection. The parties indicated they were actively engaging in settlement negotiations that would allow Lane to retain the property. However, on January 25, 2010, U.S. Bank requested the trial court rule on Lane’s Objection despite the previous joint request for a stay. In that filing, U.S. Bank asserted Mahon passed away in early October 2009, after which it unsuccessfully continued negotiations with Lane until December 18, 2009. {¶ 6} On February 10, 2010, the trial court filed a journal entry denying the parties’ joint motion to stay as moot and denying Lane’s Objection to the confirmation of sale. In so doing, the trial court noted the Objection was supported by Mahon’s Declaration as counsel for Lane. As to the substance of the Declaration, the court observed: In essence, Mr. Mahon’s “declaration” contends that a modification was dangled in front of Mr. Lane, and that despite Mr. Lane doing everything that was asked (such as submitting authorizations and the appropriate paperwork), [U.S. Bank] never followed through with providing a modification. * * * Moreover, it is claimed that [U.S. Bank’s] agent said that if the appropriate paperwork was sent to [U.S. Bank], the May 22, 2009 sheriff’s sale would be withdrawn. * * * As such, it is alleged that [U.S. Bank] acted in bad faith during modification negotiations and committed fraud. No. 22AP-358 4

(Case No. 08CV-7360 Feb. 10, 2010 Journal Entry at 2.) The court denied the Objection, finding: (1) a valid modification was never executed (as barred by the Statute of Frauds because the requested modification was never reduced to writing signed by all parties), and (2) Lane did not allege (other than perhaps sending U.S. Bank paperwork), that he reasonably relied to his detriment on U.S. Bank’s assurances that the May 22, 2009 sheriff’s sale would be withdrawn. {¶ 7} Lane appealed the trial court’s February 10, 2010 judgment to this court. However, on September 15, 2011, we sua sponte dismissed the appeal, Lane having failed to file a brief within the time required by App.R. 18(C). U.S. Bank N.A. v. Lane, 10th Dist. No. 11AP-520 (Sept. 15, 2011 Journal Entry of Dismissal). {¶ 8} Thereafter, on January 12, 2017, Lane filed a pro se complaint against appellees in case No. 17CV-354 alleging he had entered into a loan modification agreement with appellees on October 1, 2009 which was signed and notarized and returned to Richard A. Freshwater (appellees’ counsel) by Robin Kissin of Nationwide Home Relief. Lane asserted appellees received three payments from him and then breached the agreement. Lane further alleged appellees made fraudulent statements in an August 2012 telephone conversation regarding the inability to reinstate the loan due to an acceleration clause. Lane alleged that in breaching the agreement, appellees committed fraud. {¶ 9} On March 27, 2017, appellees filed a motion to dismiss Lane’s complaint pursuant to Civ.R. 12(B)(6).

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Bluebook (online)
2023 Ohio 1552, Counsel Stack Legal Research, https://law.counselstack.com/opinion/lane-v-us-bank-na-ohioctapp-2023.