Mark David Moran v. PennyMac Loan Services, LLC, et al.

CourtDistrict Court, N.D. Ohio
DecidedJanuary 22, 2026
Docket1:25-cv-00516
StatusUnknown

This text of Mark David Moran v. PennyMac Loan Services, LLC, et al. (Mark David Moran v. PennyMac Loan Services, LLC, et al.) 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
Mark David Moran v. PennyMac Loan Services, LLC, et al., (N.D. Ohio 2026).

Opinion

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF OHIO EASTERN DIVISION

MARK DAVID MORAN, ) CASE NO.: 1:25-cv-00516 ) Plaintiff, ) JUDGE BRIDGET MEEHAN BRENNAN ) v. ) ) PENNYMAC LOAN SERVICES, LLC, ) MEMORANDUM OPINION AND et al., ) ORDER ) Defendants. )

Before the Court are Motions to Dismiss filed by Defendants Judge Richard Bell, Magistrate John Dyke, and Reisenfeld and Associates LLC. (Docs. 6, 10.) Responses in opposition were filed. (Docs. 13, 14.) Judge Bell and Magistrate Dyke filed a reply in support of their motion. (Doc. 15.) Also before the Court is PennyMac Loan Services LLC’s (“Pennymac”) Motion to Remand to State Court or Motion for Abstention or, in the Alternative, Motion to Dismiss. (Doc. 8.) Plaintiff Mark David Moran (“Moran” or “Plaintiff”) responded in opposition. (Doc. 11.) For the reasons stated herein, the Motions to Dismiss filed by Judge Richard Bell, Magistrate John Dyke, and Reisenfeld and Associates LLC are GRANTED, and Pennymac’s Motion is GRANTED in part and DENIED in part. I. BACKGROUND A. PennyMac Loan Services LLC’s first foreclosure action against Moran On March 1, 2024, Pennymac filed a foreclosure action against Moran and his wife in the Cuyahoga County Court of Common Pleas. See PennyMac Loan Services, LLC v. Mark D. Moran, et al., Cuyahoga C.P. No. CV-24-993696.1 Pennymac requested: (1) “Judgment against Mark D Moran, upon the Note in the total sum of $199,384.72” including interest, charges, and fees; (2) a finding that Pennymac’s mortgage “is a valid first lien upon the Real Property”; and (3) an order that “real property [is] to be sold free and clear of all liens.” Id. at 3/1/2024, pp. 4-5. In support, Pennymac attached a promissory note signed by Moran (id. at pp. 6-9); Moran’s

mortgage, which included a property description (id. at pp. 13-24); and a document assigning the mortgage to Pennymac (id. at p. 25). On April 4, 2024, Pennymac moved to voluntarily dismiss the case. Id. at 4/4/2024. On April 5, 2024, the trial court dismissed the case without prejudice. Id. at 4/5/2024. B. Moran’s First Suit against Pennymac in Federal Court (Moran I) On June 10, 2024, Moran filed a pro se civil action against Pennymac in the Northern District of Ohio. See Moran v. Pennymac, LLC, No. 1:24 CV 985, 2024 WL 4839394, 2024 U.S. Dist. LEXIS 210532 (N.D. Ohio Nov. 20, 2024).2 In Moran I, Moran alleged: (1)

Pennymac was not the current owner of his mortgage; (2) the mortgage contract contained “unlawful Usury”; (3) “Defendant’s contract is with a fictitious entity that has the same name as plaintiff”; and (4) “Federal Reserve Notes are not lawful money.” (Doc. 1 at ¶¶ 1-10.) Moran asserted multiple civil and criminal violations, including extortion (18 U.S.C. §§ 892, 894), violations of the Fair Debt Collection Practices Act (“FDCPA”) (15 U.S.C. §§ 1692), and a

1 All citations to PennyMac Loan Services, LLC v. Mark D. Moran, et al., Cuyahoga C.P. No. CV-24-993696 reflect citations to public records that are accessible to the Court and reflect judicial action. See Passa v. City of Columbus, 123 F. App’x 694, 697 (6th Cir. 2005) (finding that a court can take judicial notice of public records “which are not subject to reasonable dispute”). 2 Unless otherwise stated, record citations are to the electronically stamped CM/ECF document and PageID# assigned in this matter. violation of federal law with respect to Pennymac’s disclosure of his personal information (15 U.S.C. § 6802). Pennymac filed a Motion to Dismiss, arguing Moran failed to state a claim for which relief could be granted, and that there was no case or controversy to be redressed by the court because Moran’s suit revolved around a self-made coupon that Moran, as a sovereign citizen,

delivered to Pennymac to pay the remaining balance of his mortgage. (Doc. 11 at 64, 67-72.) On November 20, 2024, Pennymac’s Motion was granted, and Moran’s case was dismissed. (Doc. 14.) The court expressly took judicial notice that “documents Plaintiff attaches to his complaint,” as well as court documents from Moran’s first foreclosure proceeding, indicated “that Pennymac is the current holder of [Moran’s] note and mortgage.” Moran, 2024 WL 4839394, at *2. C. Pennymac’s Second Foreclosure Action On October 4, 2024, Pennymac filed a second foreclosure action. See PennyMac Loan Services, LLC v. Mark D. Moran, et al., Cuyahoga C.P. No. CV-24-104921.3 Pennymac

requested: (1) a judgment against Moran for the amount owed on his mortgage with interest; (2) a declaration that Moran’s mortgage is a valid first lien upon the property in question; and (3) an order that the real property in question be sold free and clear of all liens and that Pennymac be paid out of the proceeds of the sale. Id. at 10/4/2024. The case was assigned to Judge Richard Bell and Magistrate John Dyke (hereinafter “Judge Bell” and “Magistrate Dyke”). Id. Reisenfeld and Associates LLC (“Reisenfeld & Assocs.”) represented Pennymac. Attached to

3 All citations to PennyMac Loan Services, LLC v. Mark D. Moran, et al., Cuyahoga C.P. No. CV-24-104921 reflect citations to public records that are accessible to the Court and reflect judicial action. the complaint were the promissory note (id. at pp. 6-9), mortgage (id. at pp. 13-24), and assignment of the mortgage to Pennymac (id. at p. 25) that were used in the previous foreclosure proceeding, among other documents. On December 4, 2024, and again on December 12, 2024, Moran filed separate motions to dismiss arguing Pennymac violated the Truth in Lending Act (“TILA”), FDCPA, and other

federal and Ohio statutes. Id. at 12/4/2024; 12/17/2024. Both of these motions were stricken by the trial court for failure to comply with the Ohio Rules of Civil Procedure. See id. at 12/10/2024; 1/7/2025. On February 24, 2024, Pennymac submitted motions for default judgment and summary judgment. Id. at 2/24/2025. In his opposition to summary judgment, Moran again raised FDCPA violations and asserted Pennymac violated the Fair Credit Reporting Act (“FCRA”). Id. at 3/17/2025. On March 24, 2025, Moran moved to transfer venue to the Northern District of Ohio. Id. On March 25, 2025, the trial court denied Pennymac’s Motion for Summary Judgment because it did not comply with the Ohio Rules of Civil Procedure. Id. at 3/25/2025. In its order, the trial

court also noted “[n]either Defendant has filed a proper answer with the court.” Id. Moran has yet to answer Pennymac’s Complaint. A hearing on Pennymac’s Motion for Default Judgment has yet to be scheduled. This case is pending. D. Procedural History On March 17, 2025, Moran filed the instant case pro se. (Doc. 1 at 2.) Moran asserts diversity and federal question jurisdiction. He alleges multiple civil and criminal violations against Pennymac, including bank and securities fraud (18 U.S.C. §§ 1001, 1344, 1348) (id. at 12), violations of the FCRA (15 U.S.C. § 1681g-i) (id. at 25), and many of the same FDCPA violations (15 U.S.C. §§ 1692d-g, j) raised in Moran I and raised in the state court proceedings (id. at 25-26). Moran alleges violations of the Fifth, Sixth, Seventh, Eighth, and Fourteenth Amendments of the U.S. Constitution and violations of the Ohio Constitution against Judge Bell, Magistrate Dyke, and Reisenfeld & Assocs. (Id. at 18, 20-21.) Moran also seeks declaratory and injunctive relief.

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Mark David Moran v. PennyMac Loan Services, LLC, et al., Counsel Stack Legal Research, https://law.counselstack.com/opinion/mark-david-moran-v-pennymac-loan-services-llc-et-al-ohnd-2026.