Poorsina v. Bank of America, N. A.

CourtDistrict Court, N.D. California
DecidedJune 14, 2024
Docket3:23-cv-06644
StatusUnknown

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

Bluebook
Poorsina v. Bank of America, N. A., (N.D. Cal. 2024).

Opinion

1 2 3 4 UNITED STATES DISTRICT COURT 5 NORTHERN DISTRICT OF CALIFORNIA 6 SAN FRANCISCO DIVISION 7 8 ALI POORSINA, Case No. 23-cv-06644-PHK 9 Plaintiff, ORDER DISMISSING PLAINTIFF 10 v. POORSINA’S AMENDED COMPLAINT WITHOUT PREJUDICE 11 BANK OF AMERICA, N. A., et al., PURSUANT TO THE MANDATORY SCREENING REQUIREMENTS OF 28 12 Defendants. U.S.C. § 1915(e)(2)(B) 13 Re: Dkt. No. 1

14 Now before the Court is the mandatory screening of pro se Plaintiff Ali Poorsina’s 15 (“Poorsina”) Complaint, dkt. 1, pursuant to the requirements of 28 U.S.C. § 1915(e)(2)(B). The 16 Court previously granted Plaintiff Poorsina’s application to proceed in forma pauperis. [Dkt. 20]. 17 After carefully reviewing the Complaint, and for the reasons set forth below, the Court DISMISSES 18 Plaintiff Poorsina’s Complaint WITHOUT PREJUDICE. The Court grants Plaintiff Poorsina 19 thirty (30) days from the date of this order within which to file an amended Complaint. 20 BACKGROUND 21 I. FACTUAL BACKGROUND 22 The following factual background is based on the records in this case and the averments 23 presented to the Court by Plaintiff Poorsina. [Dkt. 1]. 24 Plaintiff Poorsina is a citizen of California. Id. at ¶¶ 3, 5. He filed this action in propria 25 persona against Defendants Bank of America, N.A. (“Bank of America”); Guaranteed Rate, Inc. 26 (“Guaranteed Rate”); and Xiaosong Zhang (“Zhang”) and Meng Li (“Li”), Co-Trustees of the Li 27 1 corporation, headquartered in North Carolina. Id. at ¶ 6. Defendant Guaranteed Rate is a Delaware 2 corporation, headquartered in Illinois. Id. at ¶ 7. Defendants Zhang and Li are citizens of the state 3 of California. Id. at ¶¶ 3, 8. 4 In 2005, Plaintiff Poorsina was the owner of a residence located at 1563 28th Avenue, San 5 Francisco, California (“Disputed Property”). Id. at ¶ 9. In May 2005, Plaintiff Poorsina received a 6 mortgage loan of $890,000 from Countrywide Corporation, which was “memorialized in a 7 promissory note” and “secured by a Deed of Trust (‘DOT’)” recorded as Instrument No. “2005- 8 H952250-00.” Id. It is unclear from the Complaint, but, somehow prior to 2012, Countrywide 9 assigned the DOT to Defendant Bank of America. 10 On September 10, 2012, Defendant Bank of America assigned the DOT to the Bank of New 11 York Mellon (“Mellon”) which thereafter was servicing the loan. Id. at ¶ 10. Plaintiff Poorsina 12 avers that Mellon “fail[ed] to comply with HAMP Modification,” which was allegedly approved on 13 June 15, 2014, and Mellon subsequently sold the Disputed Property to a third-party purchaser 14 through a public auction on September 7, 2017. Id. 15 On March 22, 2019, Plaintiff avers that the Disputed Property was “GIFTED” from the third- 16 party purchaser to “conspirators Xiaosong Zhang and Meng Li, wife and husband, as community 17 property with right of survivorship.” Id. at ¶ 12. Plaintiff alleges that the third-party purchaser 18 made a “tardy advertisement” of a real estate listing that indicated the Disputed Property was sold 19 to Defendants Zhang and Li for $2,050,000. Id. 20 On April 1, 2019, Defendants Zhang and Li obtained a loan for $1,640,000 from Wells Fargo 21 Bank, N.A. Id. at ¶ 13. On May 13, 2020, Defendants Zhang and Li were approved for a loan of 22 $1,321,600 by Defendant Bank of America. Id. at ¶¶ 16–17. On December 24, 2020, Defendants 23 Zhang and Li were approved for a loan of $1,306,000 by Defendant Guaranteed Rate. Id. at ¶ 18. 24 Plaintiff Poorsina avers that Defendants Zhang and Li “improperly submitted fraudulent materials 25 information” which allowed them to “appl[y] for two separate CALIFORNIA-Single Family-Fannie 26 Mae/Freddie Mac Uniform Instrument - MERS loans and [pay] off the Wells Fargo Bank” loan 27 from April 1, 2019. Id. at ¶ 16. 1 “Grant Deed,” which marked the transfer of ownership of the Disputed Property to Defendants 2 Zhang and Li to Meng Li and Xiaosong Zhang, as Co-Trustees of the Li Zhang Family Trust dated 3 October 16, 2020. Id. at ¶ 19. 4 Plaintiff Poorsina alleges that on December 15, 2023, “through [Defendants Zhang and Li’s] 5 fraudulent schemes,” the same tardy advertisement used in 2019 to secure their Wells Fargo Bank 6 loan was used again to “identif[y] the Property [was] Bought [ . . .] with Vanguard Properties for 7 the amount of $2,273,105.” Id. at ¶ 20. 8 II. PROCEDURAL BACKGROUND 9 On December 28, 2023, Plaintiff filed the instant Complaint against Defendant Bank of 10 America, Defendant Guaranteed Rate, and Defendants Zhang and Li, as co-trustees of the Li Zhang 11 Family Trust. [Dkt. 1]. The Complaint asserts causes of action and claims for relief based on the 12 False Claims Act. Id. at ¶¶ 21–22 (citing 31 U.S.C. § 3729). Facially, Plaintiff asserts a single cause 13 of action under the False Claims Act and seeks three forms of relief: (1) a claim for damages and 14 injunctive relief pursuant to 31 U.S.C. § 3729 against all Defendants; (2) a claim for the cancellation 15 of the May 19, 2020, and December 31, 2020, security instruments; and (3) a claim for quiet title 16 for the Disputed Property. Id. at ¶¶ 25–33. 17 Contemporaneous with the filing of his Complaint, Plaintiff Poorsina filed a motion to 18 proceed in forma pauperis, which the Court granted. [Dkt. 2]. Additionally, Plaintiff Poorsina 19 prematurely sought waiver of service of process and attempted to serve the Complaint on all named 20 Defendants. [Dkt. 7]. Subsequently, all named Defendants entered their appearance and 21 prematurely moved to dismiss the Complaint on various grounds. See dkts. 12, 14, 23. Due to the 22 procedural posture of this case, the undersigned ordered that all noticed hearings and briefing 23 schedules on all the premature motions to dismiss be vacated. [Dkts. 19, 20, 24]. As the Court 24 explained: 25 Pursuant to 28 U.S.C. § 1915, the Court must assess whether the Plaintiff has adequately demonstrated an inability to pay the costs of 26 the lawsuit and whether the action is frivolous or malicious, fails to state a claim upon which relief may be granted, or seeks monetary 27 relief against a defendant who is immune from such relief. Should requirements of Section 1915, the Marshals would then be directed 1 to effectuate service of process on all Defendants and the case may proceed to the next stage. However, the mandatory screening 2 process as dictated by 28 U.S.C. § 1915(e)(2) remains a prerequisite before proceeding with any next stages of the case. 3 4 Dkt. 19 at 1–2 (emphasis in original). 5 Both prior to and subsequent to the Court’s Orders vacating the hearing dates and briefing 6 schedules on the motions to dismiss, Defendant Bank of America, Defendants Zhang and Li, and 7 Plaintiff Poorsina each filed requests for judicial notice of various documents. [Dkts. 14-1, 23-2, 8 25, 26, 27]. 9 All Parties have consented to magistrate judge jurisdiction. [Dkts. 6, 16, 18, 22]. 10 Accordingly, the Court has jurisdiction over this case for all purposes. 28 U.S.C. § 636(c); CPC 11 Pat. Techs. Pty Ltd. v. Apple, Inc., 34 F.4th 801, 808 (9th Cir. 2022); Williams v. King, 875 F.3d 12 500, 500 (9th Cir. 2017).

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Poorsina v. Bank of America, N. A., Counsel Stack Legal Research, https://law.counselstack.com/opinion/poorsina-v-bank-of-america-n-a-cand-2024.