1 WO 2 3 4 5 6 IN THE UNITED STATES DISTRICT COURT 7 FOR THE DISTRICT OF ARIZONA
9 Scott Richard Kammerer, No. CV-24-00437-TUC-RM
10 Plaintiff, ORDER
11 v.
12 PennyMac Loan Services LLC, et al.,
13 Defendants. 14 15 Pending before the Court is: Defendant’s Motion to Dismiss Plaintiff’s Second 16 Amended Complaint (Doc. 28); Defendant’s Request for Judicial Notice in Support of 17 Motion to Dismiss Plaintiff’s Second Amended Complaint (Doc. 28-1); Plaintiff’s Motion 18 to Take Judicial Notice (Doc. 33); and Plaintiff’s Motion for Temporary Restraining Order 19 (Doc. 34). Plaintiff was informed of his rights and responsibility to respond to Defendant’s 20 Motion to Dismiss (Doc. 29), and Plaintiff opposes the Motion (Doc. 30). For the following 21 reasons, Defendant’s Motion to Dismiss (Doc. 28) and Request for Judicial Notice (Doc. 22 28-1) will be granted. Plaintiff’s Motion to Take Judicial Notice (Doc. 33) will be denied, 23 and Plaintiff’s Motion for Temporary Restraining Order (Doc. 34) will be denied as moot. 24 I. Background 25 Plaintiff, who is proceeding pro se, initiated this action by filing a Complaint in 26 Pima County Superior Court. (Doc. 1-3 at 9-19.)1 On August 30, 2024, Defendant 27 Pennymac Loan Services, LLC (“Pennymac” or “Defendant”) removed the case to this
28 1 All record citations refer to the docket in the above-captioned matter and to the page numbers generated by the Court’s electronic filing system. 1 Court. (Doc. 1.) On March 25, 2025, the Court granted Defendant’s initial Motion to 2 Dismiss and dismissed Plaintiff’s Complaint for failure to state a claim with leave to 3 amend. (Doc. 20.)2 Plaintiff filed a First Amended Complaint (Doc. 23) and then, with 4 permission, filed the operative Second Amended Complaint (“SAC”) (Doc. 27). 5 Plaintiff’s allegations involve real property purchased by his mother, financed with 6 a loan secured by a Deed of Trust recorded against the property in 2012. (See Docs. 27, 28- 7 1.) Pennymac became the servicer of the loan in 2014. (Doc. 27 at 11.) On April 24, 2023, 8 Plaintiff’s mother passed away. (Doc. 27-1 at 5.) Plaintiff notified Pennymac of his 9 mother’s passing on May 11, 2023. (Doc. 27 at 14.) In the following months, Plaintiff and 10 Pennymac engaged in various communications with the intent of confirming Plaintiff as a 11 successor in interest to the loan, but the confirmation process was never finalized, as 12 Pennymac never received a copy of Plaintiff’s government-issued identification. (Doc. 27- 13 2 at 64-65.) Plaintiff disputes that this requirement was communicated to him, but 14 nonetheless does not allege that he submitted such identification to Pennymac. (Id. at 21.) 15 Although the events at this point are not entirely clear, it appears that in the months 16 after Plaintiff’s mother’s death, no payments were made on the loan. (See Doc. 1-3 at 60- 17 63.) On August 4, 2023, however, Plaintiff made a $2,289.05 payment, reflecting the 18 amount that was then due in light of the missed payments. (Id.) Pennymac made a note in 19 its servicing records of “Full Cure Obtained,” reflecting that at that time, the outstanding 20 payments had been satisfied. (Id.) It seems that Plaintiff may have believed as a result that 21 no further payments were due on the loan, and he does not allege that he made any 22 payments after August 4, 2023. (See Doc. 27 at 26.) On February 2, 2024, Pennymac 23 caused to be recorded a Notice of Trustee’s sale in light of the past-due status of the loan, 24 setting a sale date of May 7, 2024. (Doc. 28-1 at 17.) On May 7, 2024, the nonjudicial 25 foreclosure sale was executed, and BDB Capital, LLC, purchased the property. (Doc. 27 at 26 12.) 27 On June 1, 2024, counsel for BDB Capital, LLC filed an eviction action against 28 2 Plaintiff did not respond to the Motion to Dismiss despite being warned. (See Doc. 9.) 1 Plaintiff. (Doc. 27-3 at 91.) On July 2, 2024, the Pima County Superior Court granted BDB 2 Capital, LLC’s Motion for Forcible Entry and Detainer. (Doc. 1-3 at 87.) On August 2, 3 2024, Plaintiff filed the present action in state court, and Pennymac removed the case to 4 this Court on August 30, 2024. (Doc. 1 at 1.) On September 26, 2024, the Pima County 5 Sheriff’s Department issued to Plaintiff a Notice to Vacate, and Plaintiff was evicted from 6 the property at issue by sheriff’s deputies on October 3, 2024. (Doc. 27 at 18.) 7 In the SAC, Plaintiff alleges that his rights were violated leading up to and 8 following the nonjudicial foreclosure sale of the property. (Doc. 27.) Plaintiff names as 9 Defendants Pennymac, the law firm Tiffany & Bosco, P.A., Mark Bosco, Leonard 10 McDonald, and BDB Capital, LLC, CornerConnect Group, LLC, Mike Rhodes, Paul 11 Sorensen, Blythe Edmondson, and the law firm Edmondson & Landon, P.C.3 Plaintiff 12 seeks declaratory relief, compensatory damages, statutory damages, treble damages for 13 violations of the Racketeering Influenced and Corrupt Organizations Act, punitive 14 damages, injunctive relief, and costs and attorney’s fees. 15 II. Motions to Take Judicial Notice 16 Both Plaintiff and Pennymac have filed requests for judicial notice. (Docs. 28-1, 17 33.) The Court will address these requests in turn. 18 A court may take judicial notice of “a fact that is not subject to reasonable dispute” 19 because it is either “generally known within the trial court’s territorial jurisdiction” or “can 20 be accurately and readily determined from sources whose accuracy cannot reasonably be 21 questioned.” Fed. R. Evid. 201(b). A court may take judicial notice of the fact of a court 22 proceeding or filing as an undisputed matter of public record; however, a court may not 23 take judicial notice of facts subject to reasonable dispute that are stated within court 24 proceedings or filings. Lee v. City of Los Angeles, 250 F.3d 668, 689-90 (9th Cir. 2001). 25 In Pennymac’s Request for Judicial Notice in Support of Motion to Dismiss 26 Plaintiff’s Second Amended Complaint, Pennymac requests that the Court take judicial 27 3 Defendant Pennymac does not dispute that it was properly served. (Doc. 1-3 at 7-8; Doc. 28 1-5 at 2.) No other Defendant appears to have been served; Plaintiff did not submit any proof of service, and none of them have appeared in this case. 1 notice of the Deed of Trust and subsequent Notice of Trustee’s sale recorded against 2 Plaintiff’s mother’s house. (Doc. 28-1.) Each of these documents were recorded in the 3 official records of the Pima County Recorder, and are matters of public record not subject 4 to reasonable dispute. The Court will therefore grant Pennymac’s Request for Judicial 5 Notice. 6 In Plaintiff’s Motion for Judicial Notice, Plaintiff requests that the Court take 7 judicial notice of a wide variety of documents. (Doc. 33 at 3.) Plaintiff does not attach any 8 of the documents to his Motion for Judicial Notice. (See id.) It appears that the documents 9 are supposed to be included as exhibits to the Second Amended Complaint, but the Court 10 cannot find any of these purported exhibits in the over four hundred pages of material 11 Plaintiff attached to the Second Amended Complaint. As such, the Court will deny 12 Plaintiff’s Motion for Judicial Notice. 13 III. Plaintiff’s Motion for Temporary Restraining Order 14 Plaintiff filed a Motion for Temporary Restraining Order on October 3, 2024, 15 seeking to stay eviction proceedings. (Doc. 10.) The Court denied emergency injunctive 16 relief because, based on Plaintiff’s own allegations, the eviction Plaintiff sought to prevent 17 had “already occurred, and the property has been sold to a third party.” (Doc. 14.) The 18 Court construed Plaintiff’s Motion as a Motion for Preliminary Injunction (id.), and the 19 Court later denied the Motion as moot based on the dismissal of Plaintiff’s Complaint (Doc. 20 20). 21 On August 15, 2025, Plaintiff filed another Motion for Temporary Restraining 22 Order, asking the Court to enjoin the sale of the property at issue and eviction actions 23 against Plaintiff. (Doc. 34.) Again, Plaintiff is seeking to enjoin conduct that has already 24 occurred. Furthermore, where a court dismisses a plaintiff’s complaint, a pending motion 25 for temporary restraining order becomes moot. See Meyer v. Fed. Bureau of Investigation, 26 No. 3:22-CV-1779-SI, 2022 WL 17269643 at *4 (D. Or. Nov. 29, 2022); Mayhew v. 27 Scharf, No. CV-10-1439-PHX-GMS, 2010 WL 2891511 at *3 (D. Ariz. July 21, 2010). 28 Because the Court is dismissing Plaintiff’s SAC for the reasons that follow, Plaintiff’s 1 Motion for Temporary Restraining Order (Doc. 34) will be denied as moot. 2 IV. Defendant’s Motion to Dismiss 3 a. Standard of Review 4 A complaint must contain “a short and plain statement of the claim showing that the 5 pleader is entitled to relief.” Fed. R. Civ. P. 8(a)(2). Dismissal of a complaint, or any claim 6 within it, for failure to state a claim under Federal Rule of Civil Procedure 12(b)(6) may 7 be based on either a “‘lack of a cognizable legal theory’ or ‘the absence of sufficient facts 8 alleged under a cognizable legal theory.’” Johnson v. Riverside Healthcare Sys., LP, 534 9 F.3d 1116, 1121 (9th Cir. 2008) (quoting Balistreri v. Pacifica Police Dep’t, 901 F.2d 696, 10 699 (9th Cir. 1990)). “To survive a motion to dismiss, a complaint must contain sufficient 11 factual matter, accepted as true, to ‘state a claim to relief that is plausible on its face.’” 12 Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (quoting Bell Atl. Corp. v. Twombly, 550 U.S. 13 544, 570 (2007). “A claim has facial plausibility when the plaintiff pleads factual content 14 that allows the court to draw the reasonable inference that the defendant is liable for the 15 misconduct alleged.” Id. While a complaint need not include “detailed factual 16 allegations,” it must contain more than labels, conclusions, “and a formulaic recitation of 17 the elements of a cause of action.” Twombly, 550 U.S. at 555. In evaluating a Rule 12(b)(6) 18 motion to dismiss, the court must take as true all well-pleaded factual allegations of the 19 complaint and construe them in the light most favorable to the nonmovant. Cousins v. 20 Lockyer, 568 F.3d 1063, 1067 (9th Cir. 2009). However, the court need not accept as true 21 legal conclusions that are couched as factual allegations. Iqbal, 556 U.S. at 678. 22 As a general rule, the district court may not consider any material beyond the 23 pleadings when resolving a motion to dismiss for failure to state a claim. Lee v. City of Los 24 Angeles, 250 F.3d 668, 688 (9th Cir. 2002), impliedly overruled on other grounds as 25 discussed in Gallardo v. DiCarlo, 203 F.Supp.2d 1160, 1162 n.2 (C.D. Cal. 2002). 26 However, the court may consider material submitted as part of the complaint, such as the 27 documents which Plaintiff has attached to his SAC. See id. 28 . . . . 1 b. Scope of Permissible Amendment 2 As an initial matter, Pennymac contends that Plaintiff’s First, Second, Fourth, and 3 Ninth claims fail because they exceed the scope of permissible amendment. (Doc. 28 at 9.) 4 Pennymac argues that since these claims were not previously asserted in the course of this 5 action, Plaintiff may not assert these new theories in his SAC. (Id.) The Court finds this 6 argument unpersuasive. 7 In the cases Pennymac cites to support its position that the SAC exceeds the scope 8 of permissible amendment, each court had specifically instructed the plaintiff that 9 amendment was permitted only to refine existing theories, not to add new ones. See 10 Coppola v. Smith, 19 F. Supp. 3d 960, 971 (E.D. Cal. 2014) (“When the Court granted 11 [plaintiff] leave to amend the Fourth Amended Complaint, it did so in order for [plaintiff] 12 to refine and address the identified deficiencies[.]”); Ward v. Figure Lending LLC, No. 13 CV-23-08116-PHX-SPL, 2023 WL 8455125 at *2 (D. Ariz. Dec. 6, 2023) (“[T]he Court 14 limited Plaintiff’s leave to amend his Complaint to include additional facts to support that 15 his TILA claims are timely[.]”). 16 Here, in its Order granting Plaintiff’s Motion for Leave to File Second Amended 17 Complaint, this Court noted that Plaintiff averred that his new complaint would address 18 formatting errors, clarify the factual and legal basis for his claims, and add proper citations 19 to exhibits. (Doc. 26.) The Court did not impose explicit restrictions on the scope of 20 permissible amendment. (Id.) It is true that in its Order dismissing Plaintiff’s original 21 Complaint, the Court stated that Plaintiff could file an amended complaint “cur[ing] the 22 deficiencies addressed” in the Order. (Doc. 20 at 11.) However, Pennymac consented to 23 the filing of Plaintiff’s SAC, and reviewed the proposed copy of the SAC prior to giving 24 such consent. (Doc. 25.) Since Pennymac reviewed the proposed SAC and then consented 25 to its filing, the Court finds that Pennymac suffered no prejudice from Plaintiff’s inclusion 26 of additional legal claims. 27 In light of the absence of prejudice, and because the Court did not clearly grant 28 Plaintiff leave to amend only for a specified purpose, the Court will consider on the merits 1 each of the claims asserted by Plaintiff in his SAC. 2 c. Count I: Violation of 28 U.S.C. § 1446(d) – Federal Removal Supremacy 3 In Count I, Plaintiff alleges that actions taken in a separate state court proceeding 4 after removal of this case to federal court—specifically, the entry of a writ of restitution 5 and his subsequent eviction—violated 28 U.S.C. § 1446(d). Section 1446(d) provides that 6 once a notice of removal is filed, “the State court shall proceed no further unless and until 7 the case is remanded.” 8 This provision, however, applies only to the particular case that was removed; all 9 potentially related state-court proceedings are not automatically halted upon removal of a 10 different case. Quackenbush v. Allstate Ins. Co., 121 F.3d 1372, 1378 (9th Cir. 1997) 11 (“[T]he removal statute only commands the state court to stay the case that was actually 12 removed[.]”) (citing Kansas Pub. Emps. Ret. Sys. v. Reimer & Koger Assocs., Inc., 77 F.3d 13 1063, 1069 (8th Cir. 1996)). A federal court exercising its removal jurisdiction may enjoin 14 a separate state court proceeding only where that separate state court proceeding was filed 15 after removal for the purpose of subverting federal removal jurisdiction. Quackenbush, 121 16 F.3d at 1378 (emphasis added). Here, the separate state court case that Plaintiff believes 17 wrongfully continued after removal was filed prior to the removal of this case and was not 18 filed for the purpose of subverting federal removal jurisdiction. (See Doc. 27-4 at 96.) Thus, 19 there was no violation of 28 U.S.C. § 1446(d). 20 Moreover, § 1446(d) does not provide a private right of action for damages. See 21 Saloojas, Inc. v. Aetna Health of California, Inc., 80 F.4th 1011, 1015 (9th Cir. 2023) 22 (mandatory statutory language is “not enough to create an implied private right of action”; 23 the statute must contain “rights-creating language” with “an unmistakable focus on the 24 individuals protected instead of the person regulated” (internation quotations omitted)). 25 In light of the above, Count I must be dismissed. 26 d. Count II: Due Process Violations – 14th Amendment & 42 U.S.C. § 1983 27 In Count II, Plaintiff alleges violations of 42 U.S.C. § 1983. (Doc. 27 at 20.) Plaintiff 28 appears to allege two theories of liability under this statute. First, Plaintiff argues that the 1 non-judicial foreclosure system used by Defendant resulted in an unconstitutional 2 deprivation of his property because he was not afforded due process. (Id. at 20, 285, 298.) 3 Second, Plaintiff argues that he was denied due process in the state court eviction 4 proceedings stemming from the non-judicial foreclosure. (Id. at 20, 61.) 5 In order to state a claim for relief under 42 U.S.C. § 1983, a plaintiff must establish 6 that he was deprived of a right secured by the Constitution or laws of the United States, 7 and that the alleged deprivation was committed under color of state law. Am. Mfrs. Mut. 8 Ins. Co. v. Sullivan, 526 U.S. 40, 49 (1999). When an allegation is brought that a private 9 party was responsible for the complained-of deprivation, the private party must be 10 characterizable as a “state actor.” Lugar v. Edmonson Oil Co., Inc., 457 U.S. 922, 939 11 (1982). “State action may be found if . . . there is such a ‘close nexus between the State and 12 the challenged action’ that seemingly private behavior ‘may be fairly treated as that of the 13 State itself.” Brentwood Acad. v. Tennessee Secondary Sch. Athletic Ass’n, 531 U.S. 288, 14 295 (2001) (citing Jackson v. Metropolitan Edison Co., 419 U.S. 345, 349 (1974)). 15 When a private party acts in accordance with a statute that authorizes behavior but 16 does not encourage, require, or compel it, the actions of that private party are not fairly 17 attributable to the State. Flagg Bros., Inc. v. Brooks, 436 U.S. 149, 164-65 (1978). The 18 mere enactment by the State of a statute authorizing certain behavior does not mean that 19 all subsequent action undertaken pursuant to that statute is state action. Id. (“This Court, 20 however, has never held that a State’s mere acquiescence in a private action converts that 21 action into that of the State.”); see also Blum v. Yaretsky, 457 U.S. 991, 994 (1982) 22 (“[C]onstitutional standards are invoked only when it can be said that the State is 23 responsible for the specific conduct of which the plaintiff complains.”). 24 It is well established that non-judicial foreclosure statutes are of the type that merely 25 “permit certain behavior”; such statutes do not “encourage private persons to act in a certain 26 way.” See Charmicor v. Deaner, 572 F.2d 694, 696 (9th Cir. 1978) (finding no state action 27 in the operation of Nevada’s non-judicial foreclosure statute). In the context of non-judicial 28 foreclosure statutes, “there [is] no state action in either the availability of such private 1 remedies or their enforcement.” Apao v. Bank of New York, 324 F.3d 1091 (9th Cir. 2003); 2 accord Mildfelt v. Circuit Court of Jackson County, 827 F.2d 343, 346 (8th Cir. 1987) 3 (finding no state action in non-judicial foreclosure); Levine v. Stein, 560 F.2d 1175, 1176 4 (4th Cir. 1977) (same); Northrip v. Fed. Nat’l Mortg. Ass’n, 527 F.2d 23, 28–29 (6th Cir. 5 1975) (same); Barrera v. Security Bldg. & Inv. Corp., 519 F.2d 1166, 1174 (5th Cir. 1975) 6 (same); Bryant v. Jefferson Federal Sav. & Loan Ass’n, 509 F.2d 511, 513 (D.C. Cir. 1974) 7 (same). 8 Nor does the involvement of a state actor in the execution of a judgment enforcing 9 a non-judicial foreclosure render the creditor a state actor. See Mira v. Deutsche Bank Tr. 10 Co. Americas, No. CV-25-02640-PHX-SPL, 2025 WL 2373707 at *3 (D. Ariz. Aug. 14, 11 2025); Northrip, 527 F.2d at 28 (finding no state action in operation of non-judicial 12 foreclosure statute notwithstanding involvement of sheriff). One who obtains a judgment 13 enforcing a private contractual remedy is not a state actor for § 1983 purposes because 14 “merely resorting to the courts and being on the winning side of a lawsuit does not make a 15 party a co-conspirator or joint actor with the judge.” Dennis v. Sparks, 449 U.S. 24, 29 16 (1980); see also Naoko Ohno v. Yuko Yasuma, 723 F.3d 984, 996 (9th Cir. 2013) 17 (“Although the court assuredly performs a public purpose, a private individual seeking a 18 remedy from a court is seeking gain for him or herself, a purely private act.”). In the non- 19 judicial foreclosure context, the right of a creditor to foreclose on the property arises out of 20 a private contractual agreement, the deed of trust; the power of the state is not the source 21 of the creditor’s remedy. Grady v. Tri-City Nat. Bank, No. CV 12-2507-PHX-JAT, 2013 22 WL 2147541 at *5 n.6 (D. Ariz. May 15, 2013); Robinson v. Bank of New York Mellon, 23 No. CV 10-1829-PHX-FJM, 2011 WL 810658 at *2 (D. Ariz. Mar. 4, 2011) (“[I]n the 24 context of non-judicial foreclosures it is not the power of the state that is being invoked, 25 but rather, the private agreement itself.”); Kenly v. Miracle Props., 412 F. Supp. 1072, 1074 26 (D. Ariz. 1976) (same); In re Nagel, 245 B.R. 657, 665 (D. Ariz. 1999) (same). 27 Here, Plaintiff’s first apparent theory of liability under § 1983—that he was 28 deprived of due process in the course of the non-judicial foreclosure executed by Defendant 1 Pennymac—fails because Pennymac cannot be considered a state actor. As held by the 2 Ninth Circuit and every Court of Appeals to address the same issue, the mere fact that 3 Pennymac acted in accordance with a non-judicial foreclosure statute does not mean that 4 the State encouraged or directed Pennymac’s behavior. Nor does the fact that Pennymac 5 obtained a favorable judgment enforcing its private contractual rights against Plaintiff— 6 and that this judgment was carried out by sheriff’s deputies—mean that Pennymac itself 7 can be considered a state actor. Since no state action was involved in Pennymac’s conduct, 8 Plaintiff cannot sustain a § 1983 claim against Pennymac. Plaintiff’s second apparent 9 theory of liability is that he was denied due process in the state court eviction proceedings 10 stemming from the non-judicial foreclosure. The deputies who carried out Plaintiff’s 11 eviction are state actors whose actions may trigger liability under § 1983, but Plaintiff has 12 not named as parties to this lawsuit any sheriff’s deputies or any State or local entity 13 responsible for their actions. As such, Plaintiff’s second theory also fails. 14 In sum, Plaintiff has failed to state a claim under 42 U.S.C. § 1983, and Count II 15 must be dismissed. 16 e. Count III: RESPA Violations – 12 U.S.C. § 2605; 12 C.F.R. § 1024 17 In Count III, Plaintiff alleges violations of regulations promulgated pursuant to the 18 Real Estate Settlement Procedures Act (“RESPA”). (Doc. 27 at 21-22.) 19 First, Plaintiff alleges that Pennymac “violated 12 C.F.R. § 1024.41(f)-(g) by 20 engaging in ‘dual-tracking.’”4 (Id. at 22.) Pennymac argues that Plaintiff has no standing 21 to assert this claim because he is neither a borrower nor a confirmed successor in interest. 22 (Doc. 28 at 10.) 12 C.F.R. § 1024.41(a) specifies that “[a] borrower may enforce the 23 provisions of this section.” “Courts have uniformly barred non-borrowers from asserting 24 RESPA claims.” Aldana v. Bank of Am., N.A., No. CV 14-7489-GHK FFMX, 2014 WL 25 6750276, at *3 (C.D. Cal. Nov. 26, 2014). A “confirmed successor in interest,” however, 26 “shall be considered a borrower.” 12 C.F.R. § 1024.30(d). A “[c]onfirmed successor in 27 4 “Dual-tracking” is the now-prohibited practice of a loan servicer moving forward with 28 foreclosure while simultaneously working with a borrower to avoid foreclosure. See 12 C.F.R. § 1024.41(f). 1 interest means a successor in interest once a servicer has confirmed the successor’s identity 2 and ownership interest in a property that secures a mortgage loan.” 12 C.F.R. § 1024.31. 3 Here, Plaintiff is not a borrower; he was not a signatory to the loan at issue. (Doc. 4 28-1 at 12.) Nor is Plaintiff a confirmed successor in interest; Pennymac was unable to 5 confirm him because PennyMac never received the documentation—a copy of Plaintiff’s 6 government-issued identification—needed to finalize the process. (Doc. 27-2 at 64-65.) 7 Aside from the representation of a Pennymac representative that a copy of Plaintiff’s 8 identification was never received (id.), Plaintiff alleges that he submitted various other 9 documents needed for the confirmation process, but a copy of his identification is not 10 among them. (Doc. 27 at 21.) Plaintiff’s allegations that notices regarding the defaulted 11 loan were addressed to his mother, who had passed away, further demonstrate that 12 Pennymac never confirmed Plaintiff as a successor in interest. (See Doc. 27-2 at 8; Doc. 13 27-3 at 83.) Since Plaintiff is neither a borrower nor a confirmed successor in interest, he 14 cannot assert a violation of 12 C.F.R. § 1024.41. 15 Plaintiff’s second allegation under RESPA is that Pennymac violated 12 C.F.R. § 16 1024.38, which requires loan servicers to engage in certain procedures upon receiving 17 notice of the death of a borrower. See 12 C.F.R. § 1024.38(b)(vi). However, it is well 18 established that there is no private right of action for violations of 12 C.F.R. § 1024.38. 19 Potter v. Clear Recon Corp., No. 2:24-CV-01173-LK, 2025 WL 2223454 at *4 (W.D. 20 Wash. Aug. 5, 2025) (collecting cases); Moore v. Wells Fargo Bank, N.A., No. 22-CV- 21 07310-AMO, 2023 WL 5538268 at *4 (N.D. Cal. Aug. 28, 2023) (“In its final rule 22 adoption, the Consumer Financial Protection Bureau . . . restructured Section 1024.38 so 23 that there would be no private liability for violations of the rule.”). As such, Plaintiff’s 24 claim under 12 C.F.R. § 1024.38 also fails. 25 In sum, Plaintiff has failed to state a claim under RESPA, and Count III must 26 therefore be dismissed. 27 f. Count IV: RICO Violations – 18 U.S.C. § 1962(c) 28 In Count IV, Plaintiff brings a RICO claim under 18 U.S.C. § 1962(c). “To state a 1 claim under § 1962(c), a plaintiff must allege ‘(1) conduct (2) of an enterprise (3) through 2 a pattern (4) of racketeering activity.’” Odom v. Microsoft Corp., 486 F.3d 541, 548 (9th 3 Cir. 2007) (quoting Sedima, S.P.R.L. v. Imrex Co., 473 U.S. 479 (1985)). 4 1. Enterprise 5 An “enterprise” under RICO is “any individual, partnership, corporation, 6 association, or other legal entity, and any union or group of individuals associated in fact 7 although not a legal entity.” 18 U.S.C. § 1961(4). Satisfying this element requires that the 8 plaintiff sufficiently plead that the enterprise had “(A) a common purpose, (B) a structure 9 or organization, and (C) longevity necessary to accomplish the purpose.” Eclectic Props. 10 E., LLC v. Marcus & Millichap Co., 751 F.3d 990, 997 (9th Cir. 2014). 11 In the Ninth Circuit, the question of whether a common purpose in the RICO 12 enterprise context must be fraudulent is unsettled. See Singh v. AutoZone Parts, Inc., No. 13 2:23-cv-01379-TLN-CSK, 2024 WL 3673063 at *7 (E.D. Cal. Aug. 5, 2024). However, it 14 is agreed that a RICO enterprise cannot be constituted of entities engaged in ordinary 15 commercial activities. Bai v. CMB Exp. Infrastructure Inv. Grp. 48, LP, No. 2:24-CV- 16 00807-DJC-SCR, 2025 WL 959099 at *6 (E.D. Cal. Mar. 31, 2025); Gomez v. Guthy- 17 Renker, LLC, No. EDCV1401425JGBKKX, 2015 WL 4270042 at *9 (C.D. Cal. July 13, 18 2015) (“Courts have overwhelmingly rejected attempts to characterize routine commercial 19 relationships as RICO enterprises.”). 20 Here, Plaintiff has failed to adequately plead the existence of an enterprise because 21 there is an absence of facts showing that any common purpose—distinct from a routine 22 commercial relationship—exists amongst the entities he alleges engaged in conduct 23 prohibited by RICO. The enterprise Plaintiff alleges consists of: Pennymac, the mortgage 24 loan servicer; Tiffany & Bosco, the law firm retained to conduct the foreclosure sale of 25 Plaintiff’s mother’s home; BDB Capital, which acquired the home at the foreclosure sale; 26 CornerConnect Group, LLC, a property manager apparently employed by BDB Capital; 27 and Mike Rhodes and Paul Sorensen, “operational field agents with overlapping roles.” 28 (Doc. 27-1 at 44.) Although the foregoing entities and individuals may have worked in 1 coordination, the retention of a law firm, execution of a foreclosure sale, and employment 2 of a property manager all merely give rise to routine commercial relationships. 3 Plaintiff alleges that the shared business address of BDB Capital and CornerConnect 4 LLC demonstrates the requisite common purpose, but it is again unclear why sharing an 5 address would alone show the existence of a common purpose distinct from a routine 6 commercial relationship. Plaintiff states that the common purpose of the alleged enterprise 7 was to: “[c]reate conditions for foreclosure,” “[s]trip distressed properties of equity,” 8 [b]ypass statutory protections like RESPA and federal court removal” and “[p]rofit through 9 rapid resale after dispossession” but Plaintiff alleges no facts nudging “[his] claims across 10 the line from conceivable to plausible.” See Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 11 (2007). Therefore, the Court concludes that Plaintiff has failed to adequately allege the 12 existence of an enterprise, an essential element of Plaintiff’s RICO claim. 13 2. Pattern of Racketeering Activity 14 Although the Court has concluded that Plaintiff has failed to demonstrate the 15 existence of an enterprise, the Court will also address why Plaintiff has failed to adequately 16 plead the existence of a “pattern” of “racketeering activity,” two other essential elements 17 of a RICO claim. The RICO statute defines “racketeering activity” as “any act which is 18 indictable” under many listed provisions of Title 18, United States Code. 18 U.S.C. § 19 1961(1). To plead a pattern of racketeering activity, a plaintiff must allege that the 20 defendants committed at least two of the statutorily enumerated predicate acts. 18 U.S.C. 21 § 1961(5); Turner v. Cook, 362 F.3d 1219, 1229 (9th Cir. 2004). Where RICO claims under 22 18 U.S.C. § 1962(c) are asserted against multiple defendants, a plaintiff must allege at least 23 two predicate acts by each defendant. Comm. to Protect our Agric. Water v. Occidental Oil 24 & Gas Corp., 235 F. Supp. 3d 1132, 1177 (E.D. Cal. 2017). 25 The first predicate acts of racketeering that Plaintiff alleges that Defendants engaged 26 in are mail fraud and wire fraud. (Doc. 27 at 23; Doc. 27-1 at 45.) Mail and wire fraud are 27 both predicate acts under 18 U.S.C. § 1961(1). Establishing a violation of the wire or mail 28 fraud statutes requires Plaintiff to show that “(1) the defendants formed a scheme or artifice 1 to defraud; (2) the defendants used the United States [wires or] mails or caused a use of the 2 United States [wires or] mails in furtherance of the scheme; and (3) the defendants did so 3 with the specific intent to deceive or defraud.” Schreiber Distrib. Co. v. Serv-Well 4 Furniture Co., 806 F.2d 1393, 1399–1400 (9th Cir. 1986). Moreover, “the circumstances 5 alleging a cause of action involving fraud must be stated with specificity ‘because of the 6 relative ease with which a plaintiff may mold a RICO pattern from allegations that, upon 7 closer scrutiny, do not support it.’” Tapang v. Wells Fargo Bank, N.A., No. CV-12-02183- 8 LHK, 2012 WL 3778965 at *4 (N.D. Cal. Aug. 30, 2012) (quoting W. Assocs. Ltd. P’ship, 9 ex rel. Ave. Assocs. Ltd. P’ship v. Mkt. Square Assocs., 235 F.3d 629, 637 (D.C. Cir. 2001)). 10 Many of Plaintiff’s allegations regarding mail fraud and wire fraud are conclusory, 11 and the few factual allegations that are included do not tend to show the existence of any 12 element of mail or wire fraud. None of the allegedly wrongful acts Plaintiff describes— 13 Pennymac’s various mailings, Pennymac’s entries of electronic records, communications 14 from Mike Rhodes—demonstrate the existence of a scheme to defraud. (Doc. 27-1 at 45.) 15 For example, Plaintiff alleges that Pennymac created a “false foreclosure basis” by 16 “alleg[ing] default via mail without documentation” after entering a “Full Cure” notation 17 in its records (id.), but as Pennymac correctly points out, “a one-time payment does not 18 amount to an indefinite ‘cure’ of a mortgage loan with monthly payment obligations.” 19 (Doc. 28 at 16.) It appears from the “Notice of Breach or Non-Performance” filed by 20 PennyMac that no payments on the mortgage loan at issue were made after September 1, 21 2023, and Plaintiff does not dispute this. (See Doc. 27; Doc. 28-1 at 19.) Thus, Pennymac’s 22 notice of foreclosure was neither “false” nor “without documentation.” 23 Plaintiff also alleges that various Defendants engaged in extortion in violation of 18 24 U.S.C. § 1951. (Doc. 27 at 24; Doc. 27-1 at 46.) Extortion is a predicate act under 18 U.S.C. 25 § 1961(1). Extortion means “the obtaining of property from another, with his consent, 26 induced by wrongful use of actual or threatened force, violence, or fear, or under color of 27 official right.” 18 U.S.C. § 1951(B)(2). A defendant commits extortion only “where the 28 obtaining of the property would be ‘wrongful’ because the alleged extortionist has no 1 lawful claim to that property.” United States v. Enmons, 410 U.S. 396, 400 (1973). 2 Here, like his allegations regarding mail and wire fraud, Plaintiff’s allegations 3 regarding extortion are vague and conclusory. Plaintiff does not allege that any property— 4 other than the house that was the subject of the foreclosure sale—was taken from him. (See 5 Doc. 27-1 at 46.) If the house that was the subject of the foreclosure sale is the property 6 that Plaintiff believes was taken from him for purposes of extortion, Plaintiff’s argument 7 fails for two reasons. First, the house was not taken from Plaintiff with his consent; indeed, 8 much of the Second Amended Complaint catalogues Plaintiff’s efforts to prevent the 9 foreclosure sale of the house, and even after the foreclosure sale, Plaintiff refused to give 10 the home up until forcibly evicted by sheriff’s deputies. (See Doc. 27-4 at 109.) Second, 11 Defendants had a lawful claim to the house because the terms of the deed of trust securing 12 the mortgage loan on the house were breached. (Doc. 28-1 at 19.) Thus, although Plaintiff 13 certainly experienced offense in the course of his contentious communications with various 14 Defendants, the actions that Plaintiff alleges do not constitute extortion under the law. 15 Plaintiff also alleges that various Defendants engaged in obstruction of justice. 16 (Doc. 27 at 23.) Obstruction of justice is a predicate act under 18 U.S.C. § 1961(1). It is 17 unlawful to “corruptly or by threats or force, or by any threatening letter or 18 communication,” to influence, obstruct, or impede, or to endeavor to influence, obstruct, 19 or impede, “the due administration of justice[.]” 18 U.S.C. § 1503(a). Plaintiff contends 20 that the continuation of the state court eviction action against him after the removal of this 21 case to federal court demonstrates obstruction of justice, but as discussed above in Section 22 IV(c), the continuation of state court proceedings when a separate case is removed to 23 federal court is not unlawful. Moreover, Plaintiff does not allege facts demonstrating 24 corruption, threats, or any communications that could plausibly be considered an endeavor 25 to impede the administration of justice. (See Doc. 27-1 at 46.) 26 The final predicate act alleged by Plaintiff is bank fraud. (Id. at 47.) Bank fraud is a 27 predicate act under 18 U.S.C. § 1961(1). In order to plead bank fraud, Plaintiff must allege 28 that Defendants “execute[d], or attempt[ed] to execute, a scheme or artifice—(1) to defraud 1 a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, 2 or other property owned by, or under the custody or control of, a financial institution, by 3 means of false or fraudulent pretenses, representations, or promises[.]” 18 U.S.C. § 1344. 4 “‘It is the financial institution itself . . . that is the victim of the fraud the statute 5 proscribes.’” United States v. Molinaro, 11 F.3d 853, 857 (9th Cir. 1993) (quoting United 6 States v. Saks, 964 F.2d 1514, 1518 (5th Cir. 1992)). Plaintiff does not allege that any 7 financial institution was the intended victim of Defendants’ purported scheme. (Doc. 27-1 8 at 47.) Plaintiff’s allegations regarding this predicate act are vague and conclusory, and are 9 insufficient to support a claim for relief. 10 As Plaintiff has failed to sufficiently allege an instance of racketeering activity 11 under RICO, he has also necessarily failed to sufficiently allege a pattern of such 12 activity. See Orr v. Bank of America, NT & SA, 285 F.3d 764, 782 (9th Cir. 2002). Since 13 Plaintiff has failed to adequately plead the existence of a RICO enterprise, any racketeering 14 activity, or a pattern of such activity—all essential elements of a RICO claim—Plaintiff’s 15 RICO claim fails, and Count IV must be dismissed. 16 g. Count V: Breach of Contract 17 In Count V, Plaintiff asserts a breach of contract claim based on the mortgage 18 agreement executed by his mother, Lisa Johnson. (Doc. 27 at 24.) To state such a claim 19 under Arizona law, Plaintiff must demonstrate privity of contract. Stratton v. Inspiration 20 Consol. Copper Co., 683 P.2d 327, 329–30 (Ariz. Ct. App. 1984). And indeed, in the 21 context of wrongful foreclosure claims specifically, the Arizona Supreme Court has stated 22 that a “third party” is precluded from “asserting claims for common law breach of 23 contract.” BT Cap., LLC v. TD Serv. Co. of Arizona, 275 P.3d 598, 601 (Ariz. 2012); see 24 also Bornstein v. Nationstar Mortg. LLC, No. 1 CA-CV 19-0108, 2019 WL 7187286 at *2 25 (Ariz. Ct. App. Dec. 26, 2019) (“[A]s a non-party to the loan documents, [Plaintiff] lacks 26 standing to assert any breach of contract claim.”). Here, Plaintiff was not a party to the 27 contract at issue. (Doc. 28-1 at 12.) 28 Nonethless, Plaintiff alleges he has standing to enforce the agreement for several 1 reasons. First, Plaintiff argues that he should be considered a successor under the Deed of 2 Trust, which states that it “shall bind and benefit the successors and assigns of Lender and 3 Borrower” (Id. at 9). But as discussed in Section IV(e), Plaintiff concedes that he never 4 completed the process required for confirmation of his status as a successor-in-interest. 5 Furthermore, Plaintiff does not allege that he assumed the mortgage debt, entered into any 6 agreement with Pennymac, or was accepted as a borrower. (See Doc. 27.) Therefore, 7 Plaintiff cannot be considered a successor or assignee under the Deed of Trust. 8 Plaintiff further argues that he has standing as the court-appointed representative of 9 his mother’s estate. (Id. at 24.) Pro se plaintiffs, however, are prohibited from pursuing 10 claims on behalf of others in a representative capacity, and this prohibition extends to the 11 pursuit of claims on behalf of legal entities such as an estate. See Simon v. Hartford Life, 12 Inc., 546 F.3d 661, 664 (9th Cir. 2008) (citing C.E. Pope Equity Trust v. United States, 818 13 F.2d 696, 697 (9th Cir. 1987) (holding that the privilege to represent oneself afforded by 14 28 U.S.C. § 1654 did not extend to a trustee attempting to represent a trust pro se); see also 15 Hawkins v. Kaiser Permanente Sacramento, No. 2:22-CV-00034-KJM-JDP (PS), 2023 16 WL 113848 at *2 (E.D. Cal. Jan. 5, 2023) (“While plaintiffs can represent themselves as 17 to any causes of action that belong to them, they may not represent other parties or entities, 18 including the decedent’s estate.”). Here, since Plaintiff is pursuing his claims pro se, he is 19 limited to litigating causes of action that are personal to himself; he may not bring claims 20 on behalf of his mother’s estate. 21 Finally, Plaintiff argues that Pennymac acknowledged the contractual relationship 22 through its actions, including by accepting one payment from Plaintiff and “continuing 23 account servicing with property inspections and tax payments.” (Doc. 27 at 25.) But 24 Arizona’s rule that a breach of contract claimant must demonstrate privity of contract 25 contains no exception for acknowledgment of a contractual relationship through behavior. 26 See Stratton, 683 P.2d at 329-30. In Arizona, the first essential element of a breach of 27 contract claim is the existence of a contract. First Am. Title Ins. Co. v. Johnson Bank, 372 28 P.3d 292, 297 (Ariz. 2016). “For an enforceable contract to exist, there must be an offer, 1 an acceptance, consideration, and sufficient specification of terms” such that the parties’ 2 “obligations . . . can be ascertained.” Devers v. LA Mesa RV Ctr., INC., No. 1 CA-CV 24- 3 0499, 2025 WL 1711425 at *5 (Ariz. Ct. App. June 19, 2025). Here, there are simply no 4 facts alleged that would show that any kind of contractual relationship existed between 5 Plaintiff and Pennymac. 6 In sum, Plaintiff has failed to state a claim for breach of contract, and Count V must 7 be dismissed. 8 h. Count VI: Wrongful Foreclosure - A.R.S. § 33-807(A) 9 In Count VI, Plaintiff alleges a violation of A.R.S. § 33-807(A) (“Sale of trust 10 property; power of trustee; foreclosure of trust deed”). Plaintiff alleges that Pennymac 11 violated A.R.S. § 33-807(A) by executing the contested foreclosure sale without legal 12 authority to do so. (Doc. 27 at 26.) The Arizona statutory scheme regulating deeds of trust, 13 however, is clear that all objections to a properly noticed trustee’s sale not raised in an 14 action resulting in injunctive relief before 5:00 p.m. on the last business day before the sale 15 are waived. A.R.S. § 33-811(C); BT Cap., LLC, 275 P.3d at 600 (“Under this statute, a 16 person who has defenses or objections to a properly noticed trustee’s sale has one avenue 17 for challenging the sale: filing for injunctive relief.”). Here, the requisite notice of trustee’s 18 sale was entered. (Doc. 28-1 at 1.) Since Plaintiff failed to obtain injunctive relief prior to 19 that sale, his objections arising under the Arizona statutes governing deeds of trust are 20 waived. 21 Even if Plaintiff’s objections to the trustee’s sale were not waived, it is clear that 22 Plaintiff’s allegations do not demonstrate that Pennymac engaged in a violation of A.R.S. 23 § 33-807(A). Plaintiff’s argument is that the property at issue was illegally foreclosed upon 24 because the loan secured by the property was not in default. (Doc. 27 at 26.) From what 25 the Court can discern, after Plaintiff’s mother’s death in April 2023, no payments were 26 made on the loan until August 4, 2023. (See Doc. 1-3 at 60-63.) On August 4, 2023, 27 Plaintiff made a $2,289.05 payment, reflecting the amount that was then due in light of the 28 missed payments. (Id.) Pennymac made a note in its servicing records of “Full Cure 1 Obtained,” reflecting that at that time, the outstanding payments had been satisfied. (Id.) 2 Plaintiff does not allege that he made any further payments after August 4, 2023. (See Doc. 3 27 at 26.) Pennymac correctly points out that “a one-time payment does not amount to an 4 indefinite ‘cure’ of a mortgage loan with monthly payment obligations.” (Doc. 28 at 16.) 5 Since the payments due after August 4, 2023, went unpaid, the terms of the deed of trust 6 were breached, and legal authority to execute the trustee’s sale existed. 7 In sum, Plaintiff has failed to state a claim under A.R.S. § 33-807, and Count VI 8 must be dismissed. 9 i. Count VII: FDCPA Violations – 15 U.S.C. § 1692f(6) 10 In Count VII, Plaintiff alleges a violation of the Fair Debt Collection Practices Act 11 (“FDCPA”). The FDCPA prohibits a debt collector from using “any false, deceptive, or 12 misleading representation or means in connection with the collection of any debt.” 15 13 U.S.C. § 1692e. 14 As the Court previously stated in its March 24, 2025 Order, district courts in the 15 Ninth Circuit “regularly find that nonparties to an underlying mortgage loan lack standing 16 to challenge a foreclosure.” Chung v. Bank of New York Mellon Corp., No. 17 822CV01650MCSADS, 2023 WL 2624210, at *3 (C.D. Cal. Feb. 21, 2023) (holding that 18 Plaintiff, who asserted that he was successor in interest to property, lacked standing to bring 19 an FDCPA claim because he was not a party to the loan). A plaintiff lacks standing under 20 the FDCPA when the debt collector never actually sought to collect the debt from the 21 plaintiff. Santiago v. Bismark Mortg. Co., LLC, No. 10-00467 SOM/KSC, 2011 WL 22 839762 at *5 (D. Haw. Mar. 4, 2011); see also Tourgeman v. Collins Fin. Servs., Inc., 755 23 F.3d 1109 (9th Cir. 2014), as amended on denial of reh’g and reh’g en banc (Oct. 31, 2014) 24 (holding that statutory standing is required to pursue an FDCPA claim). 25 In its March 24, 2025 Order, the Court dismissed Plaintiff’s FDCPA claim because 26 he is a nonparty to the mortgage loan at issue and no effort was made to collect the debt 27 from him; therefore, he had no standing bring a challenge under the FDCPA. (Doc. 20 at 28 10.) In his Second Amended Complaint, Plaintiff explains in greater detail what he believes 1 Pennymac and other Defendants did wrong, but he alleges no facts that would correct the 2 defect in standing that caused his original FDCPA claim to be dismissed. (See Doc. 27 at 3 27.) Therefore, the Court will dismiss Count VII. 4 j. Count VIII: Common Law Fraud 5 In Count VII, Plaintiff brings a claim of common law fraud. (Doc. 27 at 27-28.) To 6 state such a claim under Arizona law, a plaintiff must show: (1) a representation; (2) its 7 falsity; (3) its materiality; (4) the speaker’s knowledge of its falsity or ignorance of its truth; 8 (5) his intent that it should be acted upon by and in the manner reasonably contemplated; 9 (6) the hearer’s ignorance of its falsity; (7) his reliance on the truth; (8) his right to rely 10 thereon; and (9) his consequent and proximate injury. Peery v. Hansen, 585 P.2d 574, 577 11 (Ariz. Ct. App. 1978). “[F]ailure to prove any one of [these elements] is fatal to the cause 12 of action.” Fridenmaker v. Valley Nat. Bank of Arizona, 534 P.2d 1064, 1068 (Ariz. Ct. 13 App. 1975). 14 Here, Plaintiff does not adequately allege that Pennymac’s representations were 15 false, that Pennymac had knowledge of any falsity, or that Pennymac intended for a false 16 representation to be acted upon. (See Doc. 27 at 27-28.) Plaintiff makes bare assertions of 17 the foregoing, but the Court need not accept as true legal conclusions that are couched as 18 factual allegations. See Iqbal, 556 U.S. at 678. For example, Plaintiff states “Defendant 19 made multiple false representations,” and “Defendants knew these representations were 20 false at the time they were made[.]” (Doc. 27 at 27-28.) On examination of the facts alleged, 21 however, it is simply not plausible that Pennymac made a false representation or had any 22 fraudulent intent. 23 As such, Count VII must be dismissed. 24 k. Count IX: Fraudulent Transfer – A.R.S. §§ 44-1004 & 1005 25 In Count IX, Plaintiff brings a claim of fraudulent transfer under A.R.S. §§ 44-1004 26 & 1005, two provisions of Arizona’s version of the Uniform Fraudulent Transfer Act 27 (“UFTA”). Pennymac argues that this claim must fail because this statutory scheme 28 provides rights only to creditors, and Plaintiff cannot be considered a creditor. (Doc. 28 at 1 17.) “Arizona’s version of the UFTA provides rights to creditors against debtors who evade 2 their financial responsibilities.” Farris v. Advantage Cap. Corp., 170 P.3d 250, 251 (Ariz. 3 2007). Under the UFTA, a creditor is a “person who has a claim.” A.R.S. § 44–1001(3). 4 The UFTA broadly defines the term “claim” to include “a right to payment[.]” A.R.S. § 5 44–1001(2). And indeed, the two statutory provisions Plaintiff argues Defendants violated 6 relate to “Transfers fraudulent as to present and future creditors,” A.R.S. § 44-1004 7 (emphasis added), and “Transfers fraudulent as to present creditors.” A.R.S. §§ 44-1005 8 (emphasis added). But here, Plaintiff cannot be considered a creditor; nothing in the facts 9 alleged suggests he had any right to payment. (See Doc. 27.) 10 As such, Plaintiff has failed to state a claim under A.R.S. §§ 44-1004 & 1005, and 11 Count IX must be dismissed. 12 V. Leave to Amend 13 Pennymac argues that the Court should deny Plaintiff leave to amend because the 14 deficiencies of Plaintiff’s SAC cannot be cured by amendment. (Doc. 28 at 17-18.) Federal 15 Rule of Civil Procedure 15(a) states that leave to amend “shall be freely given when justice 16 so requires.” In determining whether to grant leave to amend, courts consider the following 17 factors: “undue delay, bad faith or dilatory motive on the part of the movant, repeated 18 failure to cure deficiencies by amendments previously allowed, undue prejudice to the 19 opposing party by virtue of allowance of the amendment, [and] futility of amendment.” 20 Eminence Capital, LLC v. Aspeon, Inc., 316 F.3d 1048, 1052 (9th Cir. 2003). 21 Here, Plaintiff has failed to craft a viable complaint despite repeated amendments 22 previously allowed. Plaintiff’s SAC repeats many of the same deficiencies that the Court 23 identified and cautioned against in its March 24, 2025 Order dismissing Plaintiff’s original 24 Complaint. Furthermore, it is clear that the deficiencies of Plaintiff’s SAC cannot be cured 25 through further amendment, because Plaintiff was not a party to the loan at issue, never 26 became a successor in interest, and does not dispute that no payments were made on the 27 loan after August 4, 2023. Because it is clear Plaintiff could not craft a viable complaint if 28 given another opportunity to amend, the Court will dismiss Plaintiff’s SAC without further leave to amend. 2 Accordingly, 3 IT IS ORDERED that Plaintiff's Motion to take Judicial Notice (Doc. 33) is denied, and Plaintiff's Motion for Temporary Restraining Order (Doc. 34) is denied as □□ moot. 6 IT IS FURTHER ORDERED that Defendant’s Motion to Dismiss □□□□□□□□□□□ 7\| Second Amended Complaint (Doc. 28) and Defendant’s Request for Judicial Notice (Doc. 8 || 28-1) are granted. Plaintiff's Second Amended Complaint (Doc. 27) is dismissed with 9|| prejudice for failure to state a claim. The Clerk of Court is directed to enter judgment in || favor of Defendant and close this case. 11 Dated this 31st day of October, 2025. 12 13 ff 14 — ble l □ 15 WGUC Df Honorable Rostehary Mafquez 16 United States District □□□□□□ 17 18 19 20 21 22 23 24 25 26 27 28
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