UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF CALIFORNIA
April 11, 2012
EDWARD MURRAY, III,
J P MORGAN CHASE BANK, INC., DEFENDANT.
The opinion of the court was delivered by: Barry Ted Moskowitz, Chief Judge United States District Court
ORDER GRANTING MOTION TO DISMISS
Defendant J.P. Morgan Mortgage Acquisition Corp. (erroneously sued as "J P Morgan Chase Bank, Inc.") ("Defendant") has filed a motion to dismiss Plaintiff's Complaint. For the reasons discussed below, Defendant's motion is GRANTED.
I. FACTUAL BACKGROUND
On or about June 11, 2007, Plaintiff Edward Murray, III, borrowed $446,650.00 from First Franklin Financial Corp. The promissory note was secured by a Deed of Trust on the property located at 3671 Birdie Drive, La Mesa, CA 91941 (the "Property"). (Def. RJN Ex. A.) The Deed of Trust identifies the lender as First Franklin Financial Corp. On May 24, 2011, J.P. Morgan Mortgage Acquisition Corp purchased the Property at a foreclosure sale. (Def. RJN Ex. B.)
A motion to dismiss under Federal Rule of Civil Procedure 12(b)(6) should be granted only where a plaintiff's complaint lacks a "cognizable legal theory" or sufficient facts to support a cognizable legal theory. Balistreri v. Pacifica Police Dept., 901 F.2d 696, 699 (9th Cir. 1988). When reviewing a motion to dismiss, the allegations of material fact in plaintiff's complaint are taken as true and construed in the light most favorable to the plaintiff. See Parks Sch. of Bus., Inc. v. Symington, 51 F.3d 1480, 1484 (9th Cir. 1995). Although detailed factual allegations are not required, factual allegations "must be enough to raise a right to relief above the speculative level." Bell Atlantic v. Twombly, 550 U.S. 544, 127 S.Ct. 1955, 1965 (2007). "A plaintiff's obligation to prove the 'grounds' of his 'entitle[ment] to relief' requires more than labels and conclusions, and a formulaic recitation of the elements of a cause of action will not do." Id. "[W]here the well-pleaded facts do not permit the court to infer more than the mere possibility of misconduct, the complaint has alleged - but it has not show[n] that the pleader is entitled to relief." Ashcroft v. Iqbal, __ U.S. __, 129 S,Ct. 1937, 1950 (2009) (internal quotation marks omitted).
Defendant moves to dismiss the Complaint for failure to state a claim. For the reasons discussed below, the Court grants Defendant's motion.
In his Complaint, Plaintiff generally alleges that Defendant has violated the Truth in Lending Act, 15 U.S.C. §§ 1601 et seq., and the Real Estate Settlement Procedures Act, 12 U.S.C. §§ 2607, et seq. Plaintiff also generally alleges that Defendant committed intentional infliction of emotional distress, defamation, and fraud.*fn1
However, Plaintiff does not include any facts in support of his claims. For the most part, his Complaint is composed of cut-and-pasted text that sets forth the statutes and describes RESPA requirements. There are no facts establishing that Defendant violated any of Plaintiff's rights or that the lender and/or trustee, who are not named as defendants, engaged in wrongdoing that warrants setting aside the foreclosure sale.
Because Plaintiff has failed to allege facts establishing a plausible claim against Defendant, Defendant's motion to dismiss is GRANTED.
For the reasons discussed above, Defendant's motion to dismiss is GRANTED. The Court grants Plaintiff leave to file an amended complaint within 20 days of this Order. Failure to do so will result in the closing of this case.
IT IS SO ORDERED.