Robert Henry Ford, III v. U.S. Bank National Association, as Trustee for Legacy Mortgage Asset Trust 2021-GS4, et al.

District Court, E.D. Pennsylvania·Decided August 3, 2026·No. 2:25-cv-07159·Unknown

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA ROBERT HENRY FORD, III : CIVIL ACTION : v. : No. 25-7159 U.S. BANK NATIONAL ASSOCIATION, : AS TRUSTEE FOR LEGACY MORTGAGE : ASSET TRUST 2021-GS4, et al. : MEMORANDUM Judge Juan R. Sánchez August 3, 2026 Pro se Plaintiff Robert Henry Ford, III brings an action against Defendants U.S. Bank National Association, as Trustee for Legacy Mortgage Asset Trust 2021-GS4 (“U.S. Bank”), Office of the Sheriff of Delaware County and Sheriff Jerry Sanders, Jr (collectively the “Sheriff Defendants”), B&R Services for Professionals, Inc. and Granville Morris (collectively the “B&R Defendants”), and Stern & Eisenberg, PC, and Matthew Fallings (collectively the “Stern Defendants”). Ford asserts the Defendants conspired to fabricate service in his state foreclosure proceedings. U.S. Bank, the Sheriff Defendants, and the Stern Defendants all move to dismiss the complaint. The B&R Defendants move to set aside the default entered against them. U.S. Bank also moves to enjoin Ford from future filings, deem him a vexatious litigant, and sanction him. Because Ford’s claims are either barred by the statute of limitations or fail to state a claim, the Court will dismiss his complaint with prejudice. As a result, the Court will also set aside the B&R Defendants’ default. But the Court will not grant U.S. Bank’s motion to enjoin Ford from filing. BACKGROUND1 “This case arises out of a mortgage foreclosure action that Defendant U.S. Bank brought against pro se Plaintiff Robert Henry Ford III in the Delaware County Court of Common Pleas,

1 The Court will take judicial notice of the filings in Ford’s foreclosure action and previous federal case because it may consider matters of public record, including court dockets, in deciding a motion to dismiss. El-Hewie v. Bergen Cnty., 348 F. App’x 790, 794 (3d Cir. 2009). Pennsylvania.” Ford v. U.S. Bank Tr. Nat’l Ass’n as Tr. for Legacy Mortg. Asset Tr. 2021-GS4, No. 25-1678, 2025 WL 2845361, at *1 (E.D. Pa. Oct. 6, 2025). “Ford purchased a home located at 1313 Kerlin Street, Chester, PA 19013 in 1994.” Id. “In 2008, a new mortgage was recorded on the property.” Id. “Between February 2017 and January 2023, this mortgage was assigned

multiple times and was ultimately transferred to U.S. Bank.” Id. “According to U.S. Bank, Mr. Ford stopped paying the mortgage in August 2021.” Id. “On March 22, 2023, U.S. Bank filed a mortgage foreclosure action” against Ford in the Court of Common Pleas of Delaware County. Id. U.S. Bank was represented by the Stern Defendants. Dkt. No. 22-4 at 11. Granville Morris, an employee of B&R Services, swore he personally served a “White Male” at Ford’s address at 6 Wales Circle, Bear, DE 19701 on March 28, 2023. Dkt. No. 22-7 at 2. An affidavit attesting to this service was filed on the state court docket on April 13, 2023. Dkt. No. 22-5 at 3. On March 30, 2023, the Delaware County Sheriff swore a deputy served an “Adult family member George Thomas” at the 1313 Kerlin St. address. Dkt. No. 22-6 at 2. An affidavit for this service was filed on the docket on May 31, 2023. Dkt. No. 22-5 at 4.

On April 11, 2023, Ford entered his appearance in the foreclosure action and moved for an extension to respond. Dkt. No. 22-8 & 22-9. On April 28, 2023, Ford filed an answer. Dkt. No. 22-10. On June 1, 2023, Ford filed a response to U.S. Bank’s discovery requests. Dkt. No. 23-7. On June 14, 2023, U.S. Bank filed a motion for summary judgment. Dkt. No. 22-11. On June 28, 2023, Ford filed objections and moved to vacate the motion. Dkt. No. 22-12. The state court granted summary judgment to U.S. Bank on August 15, 2023. Dkt. No. 22-13. On September 12, 2023, Ford moved for reconsideration, which the state court denied. Dkt. Nos. 22-14 & 22-15. Ford did not appeal these orders until May 22, 2025. Dkt. No. 22-17. The state courts summarily rejected this appeal as untimely. Dkt. Nos. 22-18 & 22-19. On February 18, 2025, Ford filed a suit in state court seeking to quiet title to the property, asserting various deficiencies with the foreclosure. Dkt. No. 23-12. That case was removed to the Eastern District of Pennsylvania on March 31, 2025 and dismissed on October 8, 2025. Ford, 2025 WL 2845361, at *2. In all his filings, Ford asserted many meritless “sovereign citizen” arguments.2

On December 18, 2025, Ford filed a complaint in the instant case. See Compl., Dkt. No. 1. He asserts he was never properly served in his foreclosure proceedings because the Defendants had conspired to fabricate affidavits of service to manufacture personal jurisdiction over him and take his property. Id. ¶ IV(B). He specifically argues while the affidavits purport to serve a White man and a man named George Thomas, he is a Black man and George Thomas does not exist. Id. He now brings a claim alleging a deprivation of his Due Process rights under 42 U.S.C. § 1983 against the Sheriff Defendants and the B&R Defendants (Count I), a Fraud on the Court claim against all Defendants (Count II), and an Abuse of Process claim against the Stern Defendants

2 “Although ‘sovereign citizens’ do not share identical beliefs, they generally believe that they are neither subject to federal [and state] law nor federal [and state] courts’ jurisdiction.” United States v. Taylor, 21 F.4th 94, 101 n.6 (3d Cir. 2021). While Ford has not explicitly identified himself as a “sovereign citizen,” he has exhibited many signs of subscribing to this ideology. See Dkt. No. 23-7 at 2 (“I am not under the authority of any . . . Courts, Attorney Generals, Judges, Magi, Magistrates, . . . etc. I am not governed by Law . . . and so on Last but not least any Statues, Acts, ordinances, or rules of states or men.”). Compare Compl. ¶ (III)(1), Dkt. No. 1 (“Plaintiff, ROBERT HENRY FORD III, is a Sole Proprietorship registered with the Minnesota Secretary of State . . . , holding the status of a distinct legal entity in commerce.”), and Dkt. No. 22-10 at 4 (depicting a thumbprint as a signature for Ford), with Sovereign Citizens Movement, S. Poverty L. Ctr., https://perma.cc/WR92-TDSX (last visited July 21, 2026) (“Sovereign citizens believe . . . every newborn’s rights are split between those held by the flesh- and-blood baby and the ones assigned to his or her corporate shell account—evidenced . . . by the fact that most certificates use all capital letters . . . . They falsely attribute this all-capital version to the actual name of the corporate shell identity, also called a ‘straw man,’ while [a name] without all caps is the baby’s ‘real,’ flesh-and-blood name. . . . To separate from their corporate shells, sovereign citizens use a series of convoluted steps, such as filing documentation with [a] secretary of state’s office . . . [and] signing it with red blood or ink thumbprints . . . .”). The sovereign citizen ideology, in all its forms, is an “indisputably meritless legal theory.” Ewans v. New Jersey, No. 25-1368, 2025 WL 2630569, at *1 (3d Cir. Sep. 12, 2025) (per curiam) (collecting cases). (Count III). Id. ¶ V. He seeks a declaration that the service in the underlying action was fraudulent and void, injunctive relief preventing the Defendants from selling, transferring, or evicting him from the property, compensatory damages, and punitive damages. Id. ¶ VI. On December 31, 2025, the Sheriff Defendants filed a motion to dismiss. Dkt. No. 6. The

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Robert Henry Ford, III v. U.S. Bank National Association, as Trustee for Legacy Mortgage Asset Trust 2021-GS4, et al., (E.D. Pa. 2026).

Robert Henry Ford, III v. U.S. Bank National Association, as Trustee for Legacy Mortgage Asset Trust 2021-GS4, et al. (Robert Henry Ford, III v. U.S. Bank National Association, as Trustee for Legacy Mortgage Asset Trust 2021-GS4, et al.) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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