Muhammad v. Citizens Bank

2022 IL App (1st) 210571-U
CourtAppellate Court of Illinois
DecidedMay 24, 2022
Docket1-21-0571
StatusUnpublished

This text of 2022 IL App (1st) 210571-U (Muhammad v. Citizens Bank) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Muhammad v. Citizens Bank, 2022 IL App (1st) 210571-U (Ill. Ct. App. 2022).

Opinion

2022 IL App (1st) 210571-U No. 1-21-0571 Second Division May 24, 2022

NOTICE: This order was filed under Supreme Court Rule 23 and is not precedent except in the limited circumstances allowed under Rule 23(e)(1). ____________________________________________________________________________

IN THE APPELLATE COURT OF ILLINOIS FIRST DISTRICT ____________________________________________________________________________

) Appeal from the HASSAN A. MUHAMMAD, ) Circuit Court of ) Cook County. Plaintiff-Appellant, ) ) v. ) No. 15 CH 9224 ) CITIZENS BANK, MB PROPERTY ) INSPECTION, and CORONA ) Honorable INVESTMENTS, ) Neil Cohen ) Judge, presiding. Defendants-Appellees. ) ____________________________________________________________________________

JUSTICE COBBS delivered the judgment of the court. Presiding Justice Fitzgerald Smith and Justice Howse concurred in the judgment. ORDER

¶1 Held: The circuit court’s grant of summary judgment in favor of each defendant is affirmed where plaintiff presented no admissible evidence to create a genuine issue of material fact.

¶2 This action stems from plaintiff-appellant Hassan A. Muhammad’s claims related to his

alleged eviction from the property located at 7713 S. Winchester Avenue in Chicago (the

property). Following protracted litigation and discovery, each named defendant-appellee, i.e. No. 1-21-0571

Citizens Bank (Citizens), MB Property Inspection (MB), and Corona Investments (Corona),

moved for summary judgment, which the circuit court granted. Plaintiff now appeals pro se,

arguing that the circuit court erred in granting summary judgment in favor of defendants. For the

following reasons, we affirm.

¶3 I. BACKGROUND

¶4 Prior to initiating the instant action, plaintiff was a defendant in a 2009 foreclosure action

related to the property. Citizens Bank, N.A. f/k/a RBS Citizens, N.A. v. Hassan A. Muhammad a/k/a

Hassam Muhammad, et. al., No. 09-CH-001216 (Cir. Ct. Cook County, Jan. 20, 2015). On January

20, 2015, judgment for foreclosure and sale was entered with respect to the property. The court

denied plaintiff’s motion to vacate. On June 30, 2015, an order approving report of sale and

distribution, confirming sale, and order of possession was entered, which granted possession of

the property to the successful bidder, which was Corona. The order also directed the Cook County

Sheriff to evict and dispossess plaintiff from the property 30 days after entry of the order.

¶5 A. Plaintiff’s Complaint

¶6 On June 11, 2015, plaintiff, who at all times proceeded pro se in the instant action, filed a

complaint in the Cook County circuit court. Following two years of litigation, on November 16,

2017, plaintiff filed his third amended complaint, upon which this appeal is based. The complaint

alleged “wrongful eviction, lock out and ejectment” based on events occurring on or about

November 4, 2014, as to Citizens and MB (count I) and on or about April 20, 2015, as to all three

defendants (count II and VI), constructive eviction based on events occurring on or about

November 4, 2014, as to Citizens and MB (count III) and on or about April 20, 2015, as to all three

defendants (counts IV and VII) and breach of contract as to Citizens (count V).

-2- No. 1-21-0571

¶7 The basic allegations underlying plaintiff’s complaint are as follows. Plaintiff had a

mortgage with Citizens Bank. On or about November 4, 2014, plaintiff returned to the property,

discovered that the locks had been changed and a notice was affixed to the front door. The notice,

which was dated November 6, 2014, stated:

“The property has been determined to be vacant. The information will be provided

to the mortgage servicer. The mortgage servicer intends to protect this property from waste

[and/or] deterioration. The property may have its locks replaced and/or plumbing system

winterized within the next several days.

If this property is NOT VACANT, please call your mortgage servicer

immediately.”

The notice listed MB as the vendor and it was signed by Jerry Shafer (now deceased). Plaintiff

contacted Citizens, MB, and Codilis & Associates, P.C. (the attorneys involved in the foreclosure

action).

¶8 On or about November 10, 2014, Codilis contacted plaintiff, stating they would obtain keys

for the property from Citizens or MB. On or about November 11, 2014, an agent of MB provided

plaintiff with keys to the property. Upon entering the property, plaintiff discovered personal items

were missing.

¶9 Then, on or about April 20, 2015, plaintiff returned home to find that his home had been

broken into, that all of the doors had been boarded up or blocked, and that more of his personal

property had been removed. A notice identical to the one described above was also affixed to the

door and dated April 24, 2015. 1 Plaintiff’s complaint alleged that, on that day, two of his neighbors,

1 Photographs of these notices were included in Citizens’ discovery production and were attached as exhibits to several summary judgment motions.

-3- No. 1-21-0571

Sheldon White and “YoYo,” observed individuals installing new locks, removing personal

property, and boarding up the doors to the property. Plaintiff never regained entry into the property.

As stated above, the foreclosure action was completed and the property was sold to Corona in June

2015. Plaintiff moved out of the property on June 30, 2015.

¶ 10 All three defendants filed answers to the third amended complaint denying plaintiff’s

allegations.

¶ 11 B. Depositions

¶ 12 On January 19, 2019, plaintiff was deposed. We provide plaintiff’s testimony from the

deposition as is relevant to this appeal.

¶ 13 Plaintiff testified that, upon discovering the locks had been changed on the property in

November 2014, he contacted MB, Citizens, and Codilis. Following several conversation with

“people at Codilis,” Codilis arranged for someone to provide plaintiff with keys to the property.

To this end, plaintiff testified that he spoke in person with and received a key from an employee

of MB; however, he did not remember the date on which they spoke or the person’s name (he later

appears to refer to this same person as “Jerry”). According to plaintiff, this person confirmed that

he had changed the locks on behalf of MB. Further, plaintiff claimed that White and Yo-Yo had

information regarding the incident but he was not sure specifically what information they had.

When asked if he had any other evidence that an individual from MB performed any lock services

at the property, plaintiff responded that “MB’s document,” presumably the work order, “called for

an interior inspection” and “that is, in fact, evidence, prima facie, if nothing else.” He further stated

that he did not know “why an employee would ignore the order to perform the inspection that was

called for.” Plaintiff admitted that he did not know what the relationship was between Citizens,

-4- No. 1-21-0571

MB, and Corona. In regards to the April 2015 incident, plaintiff testified that he did not recall

speaking to anybody who identified themselves as working for Corona or MB at that time.

¶ 14 On June 5, 2019, Maria Bailey, plaintiff’s wife, was deposed. Again, we provide Bailey’s

testimony as is relevant to this appeal.

¶ 15 In regards to the November 2014 incident, she testified that someone from MB, whose

name she could not recall, came to the property to let her and plaintiff in after they were locked

out.

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Bluebook (online)
2022 IL App (1st) 210571-U, Counsel Stack Legal Research, https://law.counselstack.com/opinion/muhammad-v-citizens-bank-illappct-2022.