Richard Castle v. Capital One, National Association

593 F. App'x 223

• Court: Court of Appeals for the Fourth Circuit
• Decided: February 10, 2015
• Docket: 14-1141
• Status: Unpublished

Opinion

Affirmed by unpublished PER CURIAM opinion.

Unpublished opinions are not binding precedent in this circuit.

PER CURIAM:

By this appeal, Richard Castle — as personal representative for his deceased mother Jane M. Castle — seeks relief from the dismissal of his complaint in the District of Maryland. Castle alleged, inter alia, that defendant Capital One, N.A., as mortgage lender, purchased excessive and otherwise flawed “force-placed insurance” on his mother’s mortgaged real estate, in contravention of Maryland consumer fraud statutes. * Castle maintained that he was entitled to class certification, plus declaratory, injunctive, and monetary relief. Having carefully assessed the record and the thoughtful opinion of the district court, as well as the written submissions and arguments of counsel, we are content to affirm the judgment. See Castle v. Capital One, N.A., No. 1:13-cv-01830 (D.Md. Jan. 15, 2014), ECF No. 17.

AFFIRMED.

* Force-placed insurance — sometimes called “lender-placed” or "creditor-placed” insurance — is generally described as homeowner’s insurance placed by a mortgage lender on a mortgaged residential property when the debtor's homeowner’s coverage has lapsed. See Cohen v. Am. Sec. Ins. Co., 735 F.3d 601, 603 (7th Cir.2013).