(PS) Bisi v. Chase Bank, NA

CourtDistrict Court, E.D. California
DecidedMarch 4, 2025
Docket2:23-cv-02180
StatusUnknown

This text of (PS) Bisi v. Chase Bank, NA ((PS) Bisi v. Chase Bank, NA) 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
(PS) Bisi v. Chase Bank, NA, (E.D. Cal. 2025).

Opinion

1 2 3 4 5 6 7 8 UNITED STATES DISTRICT COURT 9 FOR THE EASTERN DISTRICT OF CALIFORNIA 10 11 GREGORY BISI, No. 2:23-cv-02180-DJC-SCR 12 Plaintiff, 13 v. ORDER AND FINDINGS AND RECOMMENDATIONS 14 CHASE BANK, NA 15 Defendant. 16 17 Plaintiff Gregory Bisi is proceeding pro se in this matter, which is referred to the 18 undersigned pursuant to Local Rule 302(c)(21). Before the Court is Defendant’s motion to 19 dismiss (ECF No. 6) and two motions from Plaintiff – a “motion and suit for damages” (ECF No. 20 2) and a motion to set trial date (ECF No. 16). The Court recommends that Defendant’s motion 21 to dismiss be GRANTED with Plaintiff allowed leave to amend. Plaintiff’s motions are 22 DENIED. 23 I. Background and Procedural History 24 Plaintiff filed this action on October 3, 2023, and on the same date filed his “motion and 25 suit for damages.” ECF Nos. 1 & 2. Defendant Chase Bank filed a motion to dismiss on October 26 30, 2023, and a request for judicial notice. ECF Nos. 6 & 7. The motion to dismiss was taken 27 under submission by Magistrate Judge Barnes on December 12, 2023. ECF No. 17. The parties 28 initially both consented to Magistrate Judge jurisdiction. However, Plaintiff then objected and the 1 matter was primarily assigned to a district judge. ECF No. 24. The case was reassigned to the 2 undersigned as the referral judge on August 6, 2024. 3 Many allegations in Plaintiff’s complaint are unclear, and the complaint contains many 4 citations to case law without context. ECF No. 1 at 7-9.1 But Plaintiff alleges as follows: 5 Defendant has no claim to his property, did not fulfill a contractual obligation to loan Plaintiff 6 money, and has no right to effectuate a seizure of the property. Id. at 1. On November 14, 2020, 7 he signed loan documents with Mountain West Financial concerning the property at 2801 8 Huntington Road, Sacramento, California (hereafter the “Property”). Mountain West then sold 9 the loan to Defendant. Id. at 2. Plaintiff alleges “upon information and belief” that Chase did not 10 fulfill its obligation to loan the money. Id. Plaintiff states he made a Qualified Written Request 11 (QWR) to Chase on May 20, 2023. Id. Plaintiff claims he received an acceleration warning and 12 Notice of Intent to Foreclose (“Notice”) from Chase on August 11, 2023. Id. at 3. 13 Plaintiff claims that when he received the Notice he hired two “certified forensic 14 investigators” to investigate his loan. Id. Plaintiff claims his loan was sold into a securitization 15 pool. Id. at 5. Plaintiff alleges Chase is not the holder of the note. Id. Plaintiff claims that Chase 16 did not loan him money, but instead merely deposited a promissory note and then issued a check. 17 Id. at 9-10. Plaintiff alleges in conclusory fashion that he did not “receive full disclosure of 18 material facts” concerning the loan. Id. at 10. Plaintiff contends Chase has no right to enforce the 19 debt obligation and seeks as relief release of the mortgage associated with the Property and 20 punitive and compensatory damages. 21 Plaintiff attaches to the complaint documents related to his purported QWR. Id. at 17-21. 22 He further includes the Affidavit of Joseph R. Esquivel, Jr., who states he is a private investigator 23 and is submitting the affidavit in support of a Chain of Title Analysis & Mortgage Fraud 24 Investigation. ECF No. 1 at 22-29. Mr. Esquivel claims the debt was not properly securitized 25 and the debt obligation was not properly transferred. Id. at ¶¶ 18-19, 32-34.2 26 1 Plaintiff has not numbered the paragraphs in his complaint, so the references are to the page 27 number in the upper right-hand corner generated by the Court’s CM/ECF system. 2 The Court expresses no view at this time on the validity of Mr. Esquivel’s opinion, but other 28 courts have observed that: “The Federal Trade Commission describes so-called ‘forensic loan 1 II. Legal Standards 2 Defendant moves to dismiss for insufficient service of process under Rule 12(b)(5), 3 and for failure to state a claim under Rule 12(b)(6). Alternatively, Defendant argues Plaintiff should 4 be directed to provide a more definite statement under Rule 12(e). ECF No. 6 at 2-3. 5 Under Rule 12(b)(5) a defendant may contest the sufficiency of service of process, and if a 6 court finds service was insufficient, it may dismiss the action. Lammey v. Valdry, 2021 WL 840436, 7 *2 (C.D. Cal. 2021) citing Murphy Bros. v. Michetti Pipe, Inc., 526 U.S. 344, 350 (1999) (“In the 8 absence of service of process . . . a court ordinarily may not exercise power over a party the 9 complaint names as a defendant.”). When service has been challenged, the plaintiff bears the 10 burden of showing that service was proper. Brockmeyer v. May, 383 F.3d 798, 801 (9th Cir. 2004). 11 A return of service is prima facie evidence of valid service. SEC v. Internet Solutions for Business, 12 Inc., 509 F.3d 1161, 1166 (9th Cir. 2007) (internal citation omitted). A defendant may overcome 13 this presumption only by strong and convincing evidence. Id. 14 The purpose of a motion to dismiss pursuant to Rule 12(b)(6) is to test the legal sufficiency 15 of the complaint. N. Star Int’l v. Ariz. Corp. Comm’n, 720 F.2d 578, 581 (9th Cir. 1983). 16 “Dismissal can be based on the lack of a cognizable legal theory or the absence of sufficient facts 17 alleged under a cognizable legal theory.” Balistreri v. Pacifica Police Dep’t, 901 F.2d 696, 699 18 (9th Cir. 1990). A plaintiff is required to allege “enough facts to state a claim to relief that is 19 plausible on its face.” Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 (2007). “A claim has facial 20 plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable 21 inference that the defendant is liable for the misconduct alleged.” Ashcroft v. Iqbal, 556 U.S. 662, 22 678 (2009). 23

24 audits’ as a technique used by fraudulent foreclosure ‘rescue’ professionals who use half-truths and outright lies to sell services that promise relief to homeowners in distress.” Hakimi v. Bank of 25 New York Mellon, 2015 WL 2097872, *4 n.2 (D. Nevada 2015). Chase points out (ECF No. 6 at 26 25) that several other courts have found Mr. Esquivel to be unreliable. See McKenzie v. M&T Bank, 2018 WL 4384164 n.4 (D. Md.) (noting Mr. Esquivel’s affidavit contained “misstatements 27 of facts and applicable law” and collecting other cases that had found Mr. Esquivel’s reports to contain inaccurate legal conclusions). 28 1 In ruling on a motion to dismiss brought under Rule 12(b)(6), the court is permitted to 2 consider material that is properly submitted as part of the complaint, documents that are not 3 physically attached to the complaint if their authenticity is not contested and the plaintiffs’ 4 complaint necessarily relies on them, and matters of public record. Lee v. City of Los Angeles, 250 5 F.3d. 668, 688–89 (9th Cir. 2001). 6 While Rule 8(a) does not require detailed factual allegations, “it demands more than an 7 unadorned, the-defendant-unlawfully-harmed-me accusation.” Iqbal, 556 U.S. at 678.

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(PS) Bisi v. Chase Bank, NA, Counsel Stack Legal Research, https://law.counselstack.com/opinion/ps-bisi-v-chase-bank-na-caed-2025.