Mary Love v. Tri-Counties Bank

CourtDistrict Court, E.D. California
DecidedMay 28, 2026
Docket2:24-cv-01823
StatusUnknown

This text of Mary Love v. Tri-Counties Bank (Mary Love v. Tri-Counties Bank) is published on Counsel Stack Legal Research, covering District Court, E.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Mary Love v. Tri-Counties Bank, (E.D. Cal. 2026).

Opinion

1 2 3 4 5 6 7 8 UNITED STATES DISTRICT COURT 9 FOR THE EASTERN DISTRICT OF CALIFORNIA 10 11 MARY LOVE, Case No. 2:24-cv-01823-TLN-CSK (PS) 12 Plaintiff, 13 v. FINDINGS & RECOMMENDATIONS 14 TRI-COUNTIES BANK, (ECF Nos. 36, 39) 15 Defendant. 16 17 Pending before the Court is Defendant Tri-Counties Bank’s motion for attorney’s 18 fees.1 (ECF No. 36.) Plaintiff Mary Love is appearing without counsel. Pursuant to Local 19 Rule 230(g), the hearing on Defendant’s motion for attorney’s fees was vacated and the 20 matter was submitted on the record and written briefing. (ECF No. 41.) After briefing 21 closed on Defendant’s motion for attorney’s fees, Plaintiff Mary Love filed a 22 “consolidated omnibus submission,” including a motion for relief from judgment and 23 supplemental brief on attorney’s fees, and Defendant filed a response. (ECF Nos. 39, 24 40.) 25 For the reasons that follow, the Court recommends GRANTING Defendant’s 26 motion for attorney’s fees in the amount of $25,403.50 against Plaintiff and DENYING 27 1 This matter proceeds before the undersigned pursuant to 28 U.S.C. § 636, Fed. R. 28 Civ. P. 72, and Local Rule 302(c). 1 Plaintiff’s motion for relief from judgment. 2 I. BACKGROUND 3 A. Factual Allegations2 4 On June 27, 2024, Plaintiff filed this action alleging the following fifteen (15) 5 claims against Defendant: (1) wrongful disclosure due to denial of loan modification; 6 (2) violation of contractual obligations and the California Homeowners’ Bill of Rights; 7 (3) violation of the Real Estate Settlement Procedures Act (RESPA); (4) violation of the 8 California Consumer Credit Reporting Agencies Act (CCRAA); (5) violation of the 9 California Unfair Competition Law (UCL); (6) professional negligence; (7) negligent 10 misrepresentation and wrongful foreclosure due to non-existent entity; (8) intentional 11 infliction of emotional distress; (9) violation of the California Rosenthal Fair Debt 12 Collection Practices Act (RFDCPA); (10) violation of the California Elder Financial Abuse 13 Act; (11) breach of implied duty of good faith and fair dealing; (12) wrongful foreclosure 14 and eviction in violation of the California Fair Employment and Housing Act (FEHA); 15 (13) wrongful foreclosure and eviction in violation of the California Unruh Civil Rights Act; 16 (14) temporary restraining order and preliminary injunction; and (15) declaratory relief. 17 Compl. ¶¶ 54-139 (ECF No. 1). 18 Plaintiff’s allegations are described in further detail in the findings and 19 recommendations dismissing the Complaint, and are incorporated here. (ECF No. 16.) 20 B. Procedural Posture 21 Plaintiff filed her first action against Defendant Tri-Counties Bank on October 6, 22 2022. Love v. TriCounties Bank, 2:22-cv-01761-TLN-CKD (PS) (E.D. Cal. 2022) (ECF 23 No. 1) (hereinafter, “Love I”). Plaintiff alleged seven causes of action against Defendant: 24 (1) violation of RESPA; (2) violation of CCRAA; (3) violation of California Civil Code § 25

26 2 These facts primarily derive from the complaint (ECF No. 1), which are construed in the light most favorable to Plaintiff as the non-moving party. Faulkner v. ADT Sec. 27 Servs., 706 F.3d 1017, 1019 (9th Cir. 2013). However, the Court does not assume the truth of any conclusory factual allegations or legal conclusions. Paulsen v. CNF Inc., 559 28 F.3d 1061, 1071 (9th Cir. 2009). 1 2924; (4) cancellation of recorded instruments; (5) violation of the UCL; (6) negligence; 2 and (7) a request for declaratory relief. Id. at ¶¶ 49-105. Plaintiff failed to comply with the 3 court’s order to verify her discovery responses and provide to Defendant all documents 4 within 14 days, and her action was recommended for dismissal pursuant to Federal Rule 5 of Civil Procedure 41(b) on January 3, 2024. (Love I, ECF No. 31.) The findings and 6 recommendations were adopted by the district judge on May 3, 2024, and the case was 7 closed. (Love I, ECF No. 36.) 8 On June 3, 2024, Defendant filed a motion for attorney’s fees. (Love I, ECF No. 9 43.) On February 10, 2025, the Court recommended Defendant’s motion be granted in 10 the amount of $44,671.00 against Plaintiff. (Love I, ECF No. 54.) These findings and 11 recommendations were adopted in full by the district judge on March 3, 2025. (Love I, 12 ECF No. 55.) 13 On June 27, 2024, Plaintiff filed the Complaint in this action (hereinafter, “Love II”) 14 against Defendant. (ECF No.1.) The Complaint contained a motion for a temporary 15 restraining order, which was denied on July 18, 2024. (ECF No. 2.) Also on July 18, 16 2024, Defendant filed a motion to dismiss pursuant to Federal Rules of Civil Procedure 17 12(b)(6). Def. Mot. (ECF No. 5). After being granted an extension, Plaintiff filed an 18 opposition on August 22, 2024. (ECF Nos. 10, 11.) Defendant replied on August 30, 19 2024. (ECF No. 12.) Plaintiff filed two sur-replies on September 11 and September 13, 20 2024. (ECF Nos. 13, 14.) 21 On February 2, 2024, the Court issued findings and recommendations to grant 22 Defendant’s motion to dismiss without leave to amend, finding that this case (Love II) 23 was barred on res judicata grounds by a prior action (Love I) dismissed pursuant to 24 Federal Rule of Civil Procedure 41(b) for failure to prosecute. (ECF No. 16.) Plaintiff filed 25 objections to the findings and recommendations on February 24, 2025. (ECF No. 19.) 26 On March 12, 2025, the district court adopted the findings and recommendations in full, 27 granted Defendant’s motion to dismiss without leave to amend, and closed the case. 28 (ECF No. 22.) 1 On March 18, 2025, Plaintiff filed a notice of appeal of the district court’s order. 2 (ECF No. 27.) Defendant filed a motion for attorney’s fees on March 26, 2025. (ECF No. 3 31.) On August 25, 2025, the Court denied the motion for attorney’s fees without 4 prejudice because it was filed while Plaintiff’s appeal was still pending. (ECF No. 33.) 5 On February 20, 2026, the Ninth Circuit affirmed the district court’s dismissal and 6 the mandate issued on March 16, 2026. (ECF Nos. 34, 35.) Defendant timely filed a 7 renewed motion for attorney’s fees on March 31, 2026. (ECF No. 36.) Plaintiff filed an 8 opposition on April 14, 2026. (ECF No. 37.) Defendant filed its reply on April 15, 2026. 9 (ECF No. 38.) On April 28, 2026, Plaintiff filed a “consolidated omnibus submission,” 10 which included a purported motion for relief from judgment, a purported motion to 11 stay/continue the hearing, and a supplemental opposition to Defendant’s motion for 12 attorney’s fees.3 (ECF No. 39.) Defendant filed a response on May 1, 2026. (ECF No. 13 40.) Pursuant to Local Rule 230(g), the hearing on Defendant’s motion for attorney’s 14 fees was vacated and the matter was submitted on the record and written briefing. (ECF 15 No. 41.) Briefing is complete. 16 II. LEGAL STANDARDS 17 Under the American Rule, the prevailing party is ordinarily not entitled to collect 18 reasonable attorney’s fees from the losing party. Travelers Cas. & Sur. Co. of Am. v. 19 Pac. Gas & Elec. Co., 549 U.S. 443, 448 (2007). However, a statute or enforceable 20 contract can overcome this rule. Id. State law governs the enforceability of attorney’s 21 fees in contract provisions. Faubion v. FCI Lender Servs., Inc., 2021 WL 2681996, at *2 22 (E.D. Cal. June 30, 2021) (applying California law to a claim for attorney’s fees based on 23 a contract where the court has federal question jurisdiction); Gilbert v. World Sav.

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Mary Love v. Tri-Counties Bank, Counsel Stack Legal Research, https://law.counselstack.com/opinion/mary-love-v-tri-counties-bank-caed-2026.