(PS) Collins v. Wells Fargo and Co.

District Court, E.D. California·Decided August 15, 2024·No. 2:23-cv-02676·Unknown

Opinion

1 2 3 4 5 6 7 8 UNITED STATES DISTRICT COURT 9 FOR THE EASTERN DISTRICT OF CALIFORNIA 10 11 STEVEN RAY COLLINS, et al., Case No. 2:23-cv-02676-DAD-CSK 12 Plaintiffs, FINDINGS AND RECOMMENDATIONS RECOMMENDING MOTION TO DISMISS 13 v. BE GRANTED 14 WELLS FARGO , 15 Defendant. (ECF No. 9) 16 17 Plaintiffs Steven Ray Collins and Sharon Lavette Collins are proceeding in this 18 action pro se. (ECF No. 1.)1 Pending before the Court is Defendants Wells Fargo Bank, 19 N.A. and Wells Fargo & Company’s motion to dismiss pursuant to Federal Rule of Civil 20 Procedure 12(b)(6), which is fully briefed. (ECF Nos. 9, 12, 18.) For the reasons stated 21 below, the Court recommends GRANTING Defendants’ motion to dismiss without leave 22 to amend. The Court also recommends that Plaintiff’s motion for preliminary injunction 23 (ECF No. 2) be DENIED as moot. 24 I. BACKGROUND 25 In November 2004, Plaintiffs obtained a loan from Defendant Wells Fargo Bank, 26 N.A.’s (“Wells Fargo Bank”) predecessor-in-interest, World Savings Bank, in the amount 27 1 This matter was referred to the undersigned pursuant to Local Rule 302(c)(21) and 28 28 U.S.C. § 636(b)(1). 1 of $185,000.00, secured by a first Deed of Trust against their property located at 5543 2 Danjac Circle, Sacramento, CA 95822 (“Property”). Compl. at 12, 170 (ECF No. 1); Defs. 3 Request for Judicial Notice (“RJN”), Exh. F, G (ECF No. 10).2 In December 2006, 4 Plaintiffs obtained a second loan from World Savings Bank in the amount of $200,000, 5 secured by a second Deed of Trust against their Property. Compl. at 160; RJN, Exh. I at 6 51. The second loan was a home equity loan. Id. On November 1, 2009, after a series of 7 name changes and mergers, Wells Fargo Bank became Plaintiffs’ lender. RJN, Exhs. B- 8 D. From 2009 to 2011, Plaintiffs fell behind on their loan payments and on April 19, 9 2011, a Notice of Default was recorded showing $10,258.70 in arrears. RJN, Exh. H. 10 From 2009 to 2023, Plaintiffs applied for loan modifications with Wells Fargo Bank. 11 Compl. at 17-22, 56, 143-148; RJN, Exh. J at 98-99. 12 In March 2016, Clear Recon Corp. was substituted as the new Trustee under the 13 second Deed of Trust for the Property. RJN, Exh. I. Clear Recon Corp. pursued 14 foreclosure on the loan on multiple occasions, the first was on April 6, 2018 when a 15 Notice of Trustee’s Sale was recorded for a sale to take place on May 17, 2018 (RJN, 16 Exh. I at 91) and a second time was when a Notice of Trustee’s Sale was recorded on 17 August 17, 2023 for a sale to take place on September 21, 2023 (RJN, Exh. L). It 18 appears the trustee’s sale has not yet occurred. See Defs. Mot. at 9, fn.5. 19 2 In support of its motion to dismiss, Defendants request that the Court take judicial 20 notice of 12 exhibits. (ECF No. 10.) The request is granted in its entirety. When reviewing a motion to dismiss, courts may consider undisputed facts contained in 21 judicially noticeable documents under Federal Rule of Evidence 201 without converting the motion to one of summary judgment. United States v. Ritchie, 342 F.3d 903, 908 (9th 22 Cir. 2003). Here, and when cited, the Court relies on certain undisputed facts from 23 documents attached to the complaint, documents filed alongside the parties’ briefing, recorded notices related to the loan, deed of trust, and foreclosure proceedings, and 24 other documents related to Plaintiff’s previous cases. See Hyatt v. Yee, 871 F.3d 1067, 1076 (9th Cir. 2017) (judicial notice proper of documents from administrative and judicial 25 proceedings); Marder v. Lopez, 450 F.3d 445, 448 (9th Cir. 2006) (finding judicial notice 26 proper for exhibits “on which the Complaint necessarily relies”); see also Gamboa v. Tr. Corps, 2009 WL 656285, at *3 (N.D. Cal. Mar. 12, 2009) (taking judicial notice of 27 recorded documents related to a foreclosure sale, including grant deed and deed of trust, as they were “part of the public record and [] easily verifiable”). 28 1 Between 2011 and 2023, Plaintiffs filed multiple bankruptcies in the Eastern 2 District of California. Compl. at 155, 194; Defs. Mot. at 9 (identifying at least eight 3 bankruptcies filed in the Eastern District of California United States Bankruptcy Court, 4 including: Case No. 11-39208, Case No. 11-46417, Case No. 14-25862, Case No. 14- 5 32084, Case No. 18-20835, Case No. 18-23072, Case No. 18-25595, Case No. 23- 6 23283). Plaintiff has also conceded this is accurate. See Compl. at 42 (“Plaintiffs have 7 filed chapter 13 over a span Wells Fargo[] counts – eight in all.”). 8 A. The 2018 State Court Action 9 On September 12, 2018, Plaintiffs filed a state court action in Sacramento County 10 Superior Court against Clear Recon Corp and Wells Fargo Bank (“state court 11 defendants”). RJN, Exh. I at 47. Plaintiffs asserted eight causes of action challenging the 12 state court defendants’ pre-foreclosure conduct. Id. at 52-63. Plaintiffs claimed the state 13 court defendants violated state law by (1) recording the Notice of Default without 14 satisfying due diligence requirements pursuant to California Civil Code Section 2923.5 15 (id. at 53-55); (2) failing to assign a “single point of contact” from Wells Fargo Bank to 16 help with Plaintiffs’ loan modification in violation of California Civil Code Section 2923.7 17 (id. at 55-57); (3) failing to give proper notice of Plaintiff’s default and acceleration of the 18 loan in breach of the loan agreement (id. at 57-59); (4) failing to give proper notice of 19 Plaintiff’s default and acceleration of the loan in breach of the implied covenant and 20 engaging in “dual lending practices” (id. at 59-60); (5) failing to give proper notice to 21 Plaintiffs regarding foreclosure proceedings amounting to negligence (id. at 60-61); 22 (6) violating California Civil Code Section 2924.12, thereby entitled Plaintiffs to 23 declaratory relief by enjoining the trustee’s sale from taking place pending resolution of 24 the state court matter (id. at 61); (7) failing to provide proper notice of assignment of 25 Plaintiffs’ deed of trust of their Property in violation of California Civil Code Section 2937 26 (id. at 62); and (8) engaging in unfair competition pursuant to California Business and 27 Professions Code Section 17200, et seq. (id. at 63). 28 / / / 1 The state court dismissed the breach of contract (third cause of action), breach of 2 implied covenant (fourth cause of action), negligence (fifth cause of action), and notice of 3 assignment (seventh cause of action) after a series of demurrers. RJN, Exh. J at 96. The 4 state court action proceeded on the second amended complaint. Id. On July 10, 2020, 5 the state court granted state court defendants’ motion for summary judgment, or in the 6 alternative, summary adjudication on all remaining claims and dismissed the action with 7 prejudice. RJN, Exh. J. On July 30, 2020, judgment was entered in favor of state court 8 defendants and against Plaintiffs. RJN, Exh. K. 9 B. The 2023 Federal Court Action3 10 Plaintiffs filed this federal action on November 15, 2023 against Wells Fargo Bank 11 and Wells Fargo & Company. Compl. Defendant Wells Fargo Bank was also a named 12 defendant in the state court action. RJN, Exh. I. Similar to the 2018 state court action, 13 Plaintiffs’ complaint here also challenges the foreclosure proceedings of Plaintiffs’ loans 14 with Wells Fargo Bank. Plaintiffs asserts 62 causes of action in the federal complaint. 15 Compl. at 95-123.

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