Wells Fargo Bank NA v. Prime1 Construction LLC

District Court, D. Arizona·Decided June 16, 2025·No. 2:24-cv-02337·Unknown

Opinion

WO

Wells Fargo Bank NA, No. CV-24-02337-PHX-DJH

Plaintiff, ORDER

v.

Prime1 Construction LLC, et al.,

Defendants. Plaintiff Wells Fargo Bank, N.A. (“Wells Fargo”) filed a Complaint against Prime1 Construction, LLC (“Prime1”); Phillip Aguilar; and Ankur R. Shah and Ruchi A. Jain (collectively, “The Shahs”), solely in their capacity as trustees of The Ankur & Ruchi Shah Family Trust (“The Trust”) (Doc. 1). Along with the Second Amended Answer, the Shahs, individually and in their capacity as trustees of the Trust, filed a Third-Party Complaint against Masizo Development, LLC (“Masizo”) (Doc. 46). Masizo has filed a Motion to Dismiss for Lack of Subject Matter Jurisdiction and for Failure to State a Claim under Federal Rules of Civil Procedure 12(b)(1) and 12(b)(6).1 (Doc. 55). The Court will partially grant Masizo’s Motion. I. Background A. Wells Fargo’s Complaint Wells Fargo is a citizen of South Dakota. (Doc. 1 at ¶ 1). Prime1, Aguilar, the Shahs, and the Trust are citizens of Arizona. (Doc. 1 at ¶ 2–8). The Shahs allege that

1 Any references to “rules” herein are in reference to the Federal Rules of Civil Procedure, unless stated otherwise. Masizo is a citizen of Arizona. (Doc. 46 at ¶5). In the Complaint, Wells Fargo alleges that the Trust has an account with them, and that the Trust fraudulently made a fraud claim to have Wells Fargo reverse a charge. (Doc. 1). Specifically, Wells Fargo alleges that the Shahs filed a fraud claim alleging that the date on a check payable from the Trust account to Prime1 had been altered. (Id. at ¶¶ 27–30). However, they claim that the Shahs had in fact ratified the change of date in a text exchange with Aguilar, the owner of Prime1. (Id. at ¶ 28). They therefore allege that they lost the $125,000 that was returned to the Trust account because of the fraud claim. (Id. at ¶ 33). Due to these allegations, Wells Fargo brought three counts against the Trust and Prime1: (1) breach of contract against the Trust; (2) breach of the implied covenant of good faith and fair dealing against the Trust; (3) fraud against the Trust; (4) breach of contract against Prime1; (5) breach of the implied covenant of good faith and fair dealing against Prime1; and (6) fraud against Prime1. (Id. at ¶¶ 47–95). B. The Shahs’ Cross-Claims and Third-Party Complaint The Shahs then filed Cross-Claims against Prime1 and Aguilar, and a Third-Party Complaint (“TPC”) against Masizo. (Doc. 46). There, they allege that they had been searching for a contractor for a home remodeling project. (Id. at ¶ 9). They found a designer who referred them to a contractor known as Jordan Rodriguez, allegedly a fake name used by Aguilar. (Id. at ¶ 11–14). The Shahs allege that Aguilar “deliberately induced” them to sign a fraudulent contract (the “Contract”), knowing that his company Prime1 was unlicensed. (Id. at ¶ 21). The check at issue in the Complaint was a down payment for the Contract. (Id. at ¶ 17). The Contract was in the name of Prime1, but listed Masizo’s Registrar of Contractors number. (Doc. 46-1 at 1). It also references Masizo’s name multiple times as Prime1’s partner. (Id. at 4–5). For example, it states: “This Contract Agreement (this “Agreement”) between Homeowner (Home Owner”) [sic] and, Masizo & partner Prime1 Construction, LLC.” (Id. at 4). It frequently refers to Prime1 and Masizo collectively, such as by saying “Prime1 Construction, LLC/Masizo shall provide all labor and materials and perform all work necessary” according to “specifications signed by both Owner and Masizo/Prime1 Construction, LLC.” (Id.) However, the Contract seems to indicate that Prime1 is unlicensed. (Id. (noting that “Prime1 Construction, LLC are not acting or offer in capacity of a license contractor [sic]” and “Prime1 Construction, LLC - non-license Project Management Company: shall company maintain general liability, workers compensation and builder’s risk insurance [sic].”). It also states that Prime1 and Masizo are not responsible for any work performed. (Id. at 4–5) The Shahs further allege that they “uncovered significant red flags indicative of deliberate fraud” on the part of Aguilar and Prime1. (Doc. 46 at ¶ 18). Noting the references to Masizo in the Contract, the Shahs allege that they contacted Masizo, and that an owner of Masizo told them that he knew Aguilar but was unaware of the Contract. (Id. at ¶¶ 30-31). Later that day, however, when Aguilar called him in front of the Shahs, the owner told them that he would be a consultant to Aguilar for the project. (Id.) The Shahs then allege that Wells Fargo contacted them about the check, and they directed Wells Fargo to dishonor it. (Id. at ¶¶ 23–24). According to the Shahs, Wells Fargo initially dishonored the check, but later reversed it and credited Prime1’s account, whereupon Aguilar withdrew the funds and “absconded” with them. (Id. at ¶¶ 27–29). Additionally, the Shahs claim that after the parties had agreed to terminate the Contract, Shah and Jain agreed to pay another $3,000 to remove a dumpster that Prime1 had delivered to their house. (Id. at ¶ 32). They claim that they were not legally obligated to pay that sum, but Aguilar had made a “contrary representation” to them. (Id. at ¶ 33). The Shahs assert that if the Trust is found liable to Wells Fargo, then Prime1, Aguilar, and Masizo must be found liable to the Shahs. (Id. at ¶ 37). They claim that Prime1, Aguilar, and Masizo acted in a coordinated conspiracy to defraud them, using Masizo’s license to present a veneer of legitimacy. (Id. at ¶ 38). The Shahs bring three Counts against Masizo: (1) breach of contract, (2) unjust enrichment, and (3) fraud. (Id.). Masizo seeks to dismiss the Third-Party Complaint for lack of subject matter jurisdiction and for failure to state a claim. (Doc. 55). II. Legal Standard A motion to dismiss under Rule 12(b)(1) tests the subject matter jurisdiction of the court. See Savage v. Glendale Union High Sch., 343 F.3d 1036, 1039–40 (9th Cir. 2003). The party asserting jurisdiction bears the burden of rebutting the presumption against subject matter jurisdiction. Kokkonen v. Guardian Life Ins. Co. of Am., 511 U.S. 375, 377 (1994). A court must dismiss a plaintiff’s complaint if it fails to establish subject matter jurisdiction. Savage, 343 F.3d at 1039 n.2. Jurisdictional challenges can be either facial or factual. See Safe Air for Everyone v. Meyer, 373 F.3d 1035, 1039 (9th Cir. 2004). A facial attack exists when a defendant asserts the complaint’s jurisdictional allegations are insufficient on their face to demonstrate jurisdiction. See Menza v. United States Dep’t of the Treasury, 1999 WL 550243, *1 (D. Or. 1999), aff’d 2000 WL 1029069 (9th Cir. 2000). Where the attack is factual, “the court need not presume the truthfulness of the plaintiff’s allegations.” Safe Air for Everyone v. Meyer, 373 F.3d 1035, 1039 (9th Cir. 2004). Under Rule 12(b)(6), a court must dismiss a complaint if it fails to state a claim upon which relief can be granted. The complaint requires a “short and plain statement of the claim showing that the pleader is entitled to relief” to ensure that the defendant has “fair notice of what the . . . claim is and the grounds upon which it rests.” Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007). The complaint must contain sufficient factual content to state a claim for relief that is “plausible on its face.” Ashcroft v. Iqbal,

Wells Fargo Bank NA v. Prime1 Construction LLC, (D. Ariz. 2025).

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