Michael Mayman v. Bank of America, N.A.

CourtDistrict Court, D. New Jersey
DecidedFebruary 4, 2026
Docket2:25-cv-02739
StatusUnknown

This text of Michael Mayman v. Bank of America, N.A. (Michael Mayman v. Bank of America, N.A.) is published on Counsel Stack Legal Research, covering District Court, D. New Jersey primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Michael Mayman v. Bank of America, N.A., (D.N.J. 2026).

Opinion

NOT FOR PUBLICATION

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY

MICHAEL MAYMAN, Plaintiff, Case No. 2:25-cv-02739 (BRM) (JRA) v. OPINION BANK OF AMERICA, N.A., Defendant.

MARTINOTTI, DISTRICT JUDGE

Before the Court is Defendant Bank of America, N.A.’s (“Bank of America”) Motion to Dismiss (ECF No. 19) pro se Plaintiff Michael Mayman’s (“Plaintiff”) Amended Complaint (ECF No. 9) pursuant to Federal Rule of Civil Procedure (“Rule”) 12(b)(6) (the “Motion”). Plaintiff filed an Opposition. (ECF No. 20.) Bank of America filed a Reply (ECF No. 22), and Plaintiff filed a Sur-Reply1 (ECF No. 25). Having reviewed and considered the parties’ submissions filed in connection with the Motion and having declined to hold oral argument pursuant to Rule 78(b), for the reasons set forth below and for good cause having been shown, Bank of America’s Motion is GRANTED. I. BACKGROUND A. Factual Background For purposes of the Motion, the Court accepts the factual allegations in the Amended Complaint as true and draws all inferences in the light most favorable to Plaintiff. See Philips v.

1 The Court granted Plaintiff’s motion for leave to file a sur-reply on September 26, 2025. (Dkt. No. 2:25-cv-02739 (Sept. 26, 2025 Text Order).) Cnty. of Alleghany, 515 F.3d 224, 228 (3d Cir. 2008). The Court also considers any “document integral to or explicitly relied upon in the complaint.” In re Burlington Coat Factory Sec. Litig., 114 F.3d 1410, 1426 (3d Cir. 1997) (citation omitted). Given Plaintiff is proceeding pro se, the Court attempts to glean his factual allegations and

legal claims through liberal construction of his pleading. See Alexander v. Gennarini, 144 F. App’x 924, 926 (3d Cir. 2005); Cooke v. Experian Info. Sols., Inc., Civ. A. No. 22-05375, 2024 WL 1142214, at *2 (D.N.J. Mar. 15, 2024) (“When considering a motion to dismiss the complaint of a pro se litigant, courts must bear in mind that such pleadings are held to less stringent standards than more formal pleadings drafted by lawyers.”); Huff v. Atl. Cnty. Just. Facility, Civ. A. No. 20- 9761, 2021 WL 307303, at *2 (D.N.J. Jan. 29, 2021) (“Court personnel reviewing pro se pleadings are charged with the responsibility of deciphering why the submission was filed, what the litigant is seeking, and what claims she may be making.”). The Amended Complaint appears to center around a $200,000 payment deposited to a bank account at Bank of America registered to a limited liability company that is not a party to this

action. (Am. Compl. (ECF No. 9) ¶¶ 5–16.) Plaintiff is alleging Bank of America returned the $200,000 to the sender after determining the transaction was unauthorized, which caused Plaintiff damages. (Id. ¶¶ 8–16.) There are twelve factual allegations in the Amended Complaint. (Id. ¶¶ 5–16.) Plaintiff alleges on November 13, 2013, he co-founded “Russianfood.com LLC,” in which he possessed a 20% ownership interest, and “opened a business account at Bank of America.” (Id. ¶¶ 5, 7.) In 2023, Plaintiff asserts he “discovered that his business partners opened unauthorized accounts and misappropriated funds.” (Id. ¶ 6.) On May 28, 2024, Plaintiff sold his ownership interest in Russianfood.com LLC to a “business partner” (the “Sender”) for $200,000. (Id. ¶ 7.) “The $200,000 was transferred by the [Sender] to Plaintiff’s business account at Bank of America, registered to SI Power LLC.” (Id. ¶ 8.) Plaintiff alleges on or around June 11, 2024, Bank of America withdrew the $200,000 from the SI Power LLC account without notice, claiming the deposit was an unauthorized transaction. (Id. ¶ 9.) Plaintiff asserts he attempted to demonstrate the

legitimacy of the transaction by providing Bank of America with documentation. (Id. ¶ 10.) Despite allegedly receiving assurances the $200,000 would be returned after an investigation, Bank of America ultimately “returned the funds to the [S]ender without explanation and subsequently closed Plaintiff’s business and personal accounts.” (Id. ¶¶ 10–11.) As a result, Plaintiff alleges he “suffered extensive financial losses, reputational harm, emotional distress, and was unable to pay medical bills or proceed with necessary treatments.” (Id. ¶ 14.) Plaintiff also states he “lost his term life insurance policy.” (Id. ¶ 15.) B. Procedural History Plaintiff filed the Amended Complaint on June 18, 2025, which includes the following counts: “Negligence,” “Breach of Fiduciary Duty,” “Conversion,” “Wrongful Account Closure,”

“Tortious Interference with Business Expectancy,” and “Intentional/Negligent Infliction of Emotional Distress.” (ECF No. 9 ¶¶ 17–28.) On August 22, 2025, Bank of America filed a Motion to Dismiss. (ECF No. 19.) Plaintiff filed an Opposition on September 5, 2025. (ECF No. 20-1.) Bank of America filed a Reply on September 16, 2025 (ECF No. 22), and Plaintiff filed a Sur- Reply on September 29, 2025 (ECF No. 25). II. LEGAL STANDARD A. Rule 12(b)(1) “When a motion under Rule 12 is based on more than one ground, the court should consider the 12(b)(1) challenge first because if it must dismiss the complaint for lack of subject matter jurisdiction, all other defenses and objections become moot.” Dickerson v. Bank of Am., N.A., Civ. A. No. 12-3922, 2013 WL 1163483, at *1 (D.N.J. Mar. 19, 2013) (quoting In re Corestates Tr. Fee Litig., 837 F. Supp. 104, 105 (E.D. Pa. 1993)). A motion to dismiss under Rule 12(b)(1) challenging the Court’s subject matter jurisdiction asserts the Court lacks “authority or competence to hear and

decide the case before it.” Northlight Harbor, LLC v. United States, 561 F. Supp. 2d 517, 520 (D.N.J. 2008) (citing Charles Alan Wright & Arthur R. Miller, 5B Federal Practice and Procedure § 1350 (3d ed. 2004)). It requires a plaintiff to bear the burden of pleading jurisdiction is appropriate. Id. at 521; see also Wright v. N.J./Dep’t of Educ., 115 F. Supp. 3d 490, 495 (D.N.J. 2015) (“It is well-settled that the plaintiff bears the burden of establishing subject matter jurisdiction . . . to defeat a motion under Rule 12(b)(1).”). In considering dismissal for lack of subject matter jurisdiction, a district court’s focus is not on whether the factual allegations entitle a plaintiff to relief, but rather on whether the court has jurisdiction to hear the claim and grant relief. See Maertin v. Armstrong World Indus., Inc., 241 F. Supp. 2d 434, 445 (D.N.J. 2002) (citing New Hope Books, Inc. v. Farmer, 82 F. Supp. 2d 321, 324 (D.N.J. 2000)).

The court is tasked with determining “whether [it is] dealing with a facial or factual attack to jurisdiction.” United States ex rel. Atkinson v. PA. Shipbuilding Co., 473 F.3d 506, 514 (3d Cir. 2007). A facial attack “is an argument that considers a claim on its face and asserts that it is insufficient to invoke the subject matter jurisdiction of the court because, for example,” (1) “it does not present a question of federal law,” (2) “there is no indication of a diversity of citizenship among the parties,” or (3) “some other jurisdictional defect is present.” Const. Party of Pa. v. Aichele, 757 F.3d 347, 358 (3d Cir. 2014). The standard of review for a facial attack is the same as one “under Rule 12(b)(6), i.e., construing the alleged facts in favor of the nonmoving party.” Id. (citing In re Schering Plough Corp. Intron, 678 F.3d 235, 243 (3d Cir. 2012)).

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Michael Mayman v. Bank of America, N.A., Counsel Stack Legal Research, https://law.counselstack.com/opinion/michael-mayman-v-bank-of-america-na-njd-2026.