Simo v. Jd Euroway Bancorp & Trust

District Court, District of Columbia·Decided September 4, 2026·No. Civil Action No. 2025-1984·Published

Opinion

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA

JEAN DE DIEU SIMO, Plaintiff,

v. Civil Action No. 25-1984 (TJK)

JD EUROWAY BANCORP & TRUST, et al., Defendants.

MEMORANDUM OPINION & ORDER Jean De Dieu Simo, a citizen and resident of Cameroon, alleges that JD Euroway Bancorp & Trust and its owners, Zephir and Astou Fritz, agreed to transfer nearly a million dollars of Simo’s into an investment account in the United States. Simo alleges that they took his money but never upheld their end of the bargain. So he sued to recover his funds. Simo served JD Euroway nearly a year ago, but the company did not respond to the complaint or appear to defend itself. After obtaining an entry of default, Simo now moves for default judgment against JD Euroway (but not the Fritzes, whom he has not yet successfully served). He seeks $970,000 in damages plus interest, attorneys’ fees and costs, and other relief. For the reasons explained below, the Court will grant Simo’s motion in part, enter judgment against JD Euroway on Simo’s well-pleaded claims (and decline to do so on others), and award Simo damages and post-judgment interest. I. Background Simo alleges that the Fritzes agreed to transfer his funds into his investment account in the United States through their corporation, JD Euroway, in connection with a separate agreement Simo entered into with a financial consulting firm. ECF No. 1 (“Compl.”) ¶¶ 11, 12–15, 18. In July 2021, Simo wired a large sum to JD Euroway with instructions to transfer the bulk of it—

$970,000 in Central African francs (CFA)—to his investment account. Id. ¶¶ 16, 18. But, Simo says, the Fritzes and JD Euroway—collectively, “Defendants”—never deposited those funds into his investment account. Id. ¶ 19. Nor did they respond to “numerous follow-up requests . . . to transfer . . . or refund” the money. Id. About three months later, Zephir Fritz “acknowledged his failure to perform the mandate in a notarized letter” and promised to return the funds within a few weeks. Id. ¶ 21. Still, Defendants did not return the funds or respond to Simo’s repeated requests to do so. Id. ¶¶ 22–23. Indeed, Simo alleges, Defendants “never intended to carry out the transfer or refund the funds.” Id. ¶ 26. Rather, “the assurances of payments were” “part of a deliberate fraudulent scheme” “intentionally engineered to lure [Simo] into believing he w[ould] be refunded.” Id.

In June 2025, Simo sued Defendants, asserting one federal law claim under the Racketeer Influenced and Corrupt Organizations Act (RICO) statute, 18 U.S.C. § 1962(c), and nine common- law claims: fraud, constructive fraud, negligent misrepresentation, civil conspiracy, breach of contract, conversion, unjust enrichment, breach of fiduciary duty, and promissory estoppel. Compl. at 5–12. Four months later, Simo filed purported proof of service as to JD Euroway, see ECF No. 8; ECF No. 9 ¶ 7; Fed. R. Civ. P. 12(a)(1)(A)(i). After the company failed to respond, Simo requested an entry of default, which the Clerk of Court entered on December 11, 2025. See ECF Nos. 9–10. Simo now moves for default judgment against JD Euroway. ECF No. 13. He seeks $970,000 in damages, pre- and post-judgment interest, attorneys’ fees and costs, disgorgement, and restitution. ECF No. 13-1 at 2. II. Legal Standard Under Federal Rule of Civil Procedure 55, there is a “two-step procedure” for obtaining a default judgment. Ventura v. L.A. Howard Constr. Co., 134 F. Supp. 3d 99, 102 (D.D.C. 2015).

First, after a defendant “has failed to plead or otherwise defend,” a plaintiff may request that the clerk of court enter default against that defendant. Fed. R. Civ. P. 55(a). Second, after default is entered, a plaintiff may move for a default judgment. Fed. R. Civ. P. 55(b)(2). “By providing for a two-step process, Rule 55 allows the defendant the opportunity to move the court to set aside the default before the court enters default judgment.” Int’l Painters & Allied Trades Indus. Pension Fund v. Zak Architectural Metal & Glass, LLC, 635 F. Supp. 2d 21, 23 n.1 (D.D.C. 2009); see Fed. R. Civ. P. 55(c).

An entry of default “establishes the defaulting party’s liability for the well-pleaded allegations of the complaint.” Boland v. Elite Terrazzo Flooring, Inc., 763 F. Supp. 2d 64, 67 (D.D.C. 2011).1 But it “does not automatically establish liability in the amount claimed by the plaintiff.” Carazani v. Zegarra, 972 F. Supp. 2d 1, 12 (D.D.C. 2013). Rather, the Court “[must] make an independent determination of the sum to be awarded,” Int’l Painters & Allied Trades Indus. Pension Fund v. R.W. Amrine Drywall Co., 239 F. Supp. 2d 26, 30 (D.D.C. 2002), and it is afforded “considerable latitude” in doing so, Elite Terrazzo Flooring, 763 F. Supp. 2d at 67. A plaintiff bears the burden of proving its requested damages “to a reasonable certainty.” Id. at 68. A plaintiff can meet this burden by submitting “detailed affidavits or documentary evidence” and

1 Of course, the Court also has an “affirmative obligation” to determine whether it has subject-matter jurisdiction over the plaintiff’s claims and personal jurisdiction over the defendant before entering default judgment. See James Madison Ltd. ex rel. Hecht v. Ludwig, 82 F.3d 1085, 1092 (D.C. Cir. 1996); Karcher v. Islamic Republic of Iran, 396 F. Supp. 3d 12, 21 (D.D.C. 2019). Both are satisfied here. Simo alleges that he is a citizen of the Republic of Cameroon, that JD Euroway is a Delaware corporation with its principal place of business in Washington, D.C., and that the amount in controversy exceeds $75,000. Compl. ¶¶ 7, 8, 18–19. Thus, the Court has diversity jurisdiction under 28 U.S.C. §§ 1332(a)(2), (c)(1). And Simo’s allegation that JD Euroway has its principal place of business in Washington, D.C., is sufficient to establish the Court’s personal jurisdiction over it. See Erwin-Simpson v. AirAsia Berhad, 985 F.3d 883, 889 (D.C. Cir. 2021); D.C. Code § 13-422.

are generally “entitled to all reasonable inferences from the evidence [they offer].” Amrine Drywall, 239 F. Supp. 2d at 30. III. Analysis A. Liability Because default has been entered, JD Euroway is liable for the well-pleaded allegations in Simo’s complaint. Amrine Drywall, 239 F. Supp. 2d at 30. Thus, the Court must determine whether his allegations state viable claims for relief. As explained below, the Court finds that Simo’s complaint establishes JD Euroway’s liability for some, but not all, of the claims it asserts.

1. The Complaint Fails to State a Claim Under the Civil RICO Statute, or for Civil Conspiracy, Fraud, Constructive Fraud, Negligent Misrepresentation, or Breach of Contract

Beginning with Simo’s lone federal-law claim, JD Euroway is not a proper defendant under the civil RICO statute, 18 U.S.C. § 1962(c), so it cannot be liable to Simo for a claim under that law. That statute “makes it ‘unlawful for any person employed by or associated with any enterprise engaged in, or the activities of which affect, interstate or foreign commerce, to conduct or participate, directly or indirectly, in the conduct of such enterprise’s affairs through a pattern of racketeering activity.’” Suarez v. Compass Coffee LLC, No. 25-cv-89 (SLS), 2025 WL 3062798, at *7 (D.D.C. Nov. 3, 2025) (quoting 18 U.S.C. § 1962(c)). And it “permits private plaintiffs . . . to collect damages” from such persons “for injuries arising from violations of [the Act].” Murray v. Mulgrew, 704 F. Supp. 2d 45, 47 (D.D.C. 2010). But it is “person[s]” conducting or directing the affairs of the enterprise who are liable under the Act, not the enterprise itself. See Cedric Kushner Promotions, Ltd. v. King, 533 U.S. 158, 161–63 (2001) (emphasis added). In other words, the act distinguishes “between the RICO defendant and the RICO enterprise.” Id. at 162 (emphasis added). Here, Simo alleges that JD Euroway is the “enterprise,” while “Zephir G. Fritz and Astou

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