WILLIAM Q. HAYES, District Judge.
The matter before the Court is the Motion to Dismiss Plaintiff's Complaint, filed by Defendants Deutsche Bank National Trust Company, as Trustee, OneWest Bank, FSB, and IndyMac Mortgage Services. (ECF No. 18).
On June 6, 2013, Plaintiff filed a Complaint in this Court. (ECF No. 1). Plaintiff alleges that she is the owner of real property located at 1819 Autumn Place, Encinitas, California, which is encumbered by a Mortgage Note with an outstanding balance of approximately $557, 750. The Complaint alleges that "Plaintiff does not dispute that money is owed on the mortgage obligation, " but "Plaintiff disputes the amount owed, and seeks the Court's assistance in determining who the holder in due course is of the Note and Deed of Trust." Id. ¶ 30. The Complaint alleges the following claims for relief: (1) Declaratory Relief; (2) Quasi Contract; (3) Negligence; (4) Violation of 15 U.S.C. §1692, et seq.; (5) Violation of California Business and Professions Code Section 17200, et seq.; (6) Accounting; (7) Cancellation of Instruments; and (8) Quiet Title. The Complaint alleges that the Court has federal-question subject-matter jurisdiction.
On August 13, 2013, Defendant Meridian Foreclosure Service filed a Declaration of Nonmonetary Status. (ECF No. 16). The docket reflects that Plaintiff did not file an objection or other response to the Declaration of Nonmonetary Status.
On August 22, 2013, all other Defendants filed the Motion to Dismiss the Complaint pursuant to Federal Rule of Civil Procedure 12(b)(6). (ECF No. 18). On September 16, 2013, Plaintiff filed an opposition to the Motion to Dismiss, contending that the Motion to Dismiss should be denied or Plaintiff should be given leave to amend the Complaint. (ECF No. 21). On September 23, 2013, Defendants filed a reply. (ECF No. 22).
A. Standard of Review
Federal Rule of Civil Procedure 12(b)(6) permits dismissal for "failure to state a claim upon which relief can be granted." Fed.R.Civ.P. 12(b)(6). Federal Rule of Civil Procedure 8(a) provides that "[a] pleading that states a claim for relief must contain... a short and plain statement of the claim showing that the pleader is entitled to relief." Fed.R.Civ.P. 8(a)(2). Dismissal under Rule 12(b)(6) is appropriate where the complaint lacks a cognizable legal theory or sufficient facts to support a cognizable legal theory. See Balistreri v. Pacifica Police Dep't, 901 F.2d 696, 699 (9th Cir. 1990).
A plaintiff's "grounds" to relief must contain "more than labels and conclusions, and a formulaic recitation of the elements of a cause of action will not do." Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007) (quoting Fed.R.Civ.P. 8(a)(2)). When considering a motion to dismiss, a court must accept as true all "well-pleaded factual allegations." Ashcroft v. Iqbal, 556 U.S. 662, 679 (2009). However, a court is not "required to accept as true allegations that are merely conclusory, unwarranted deductions of fact, or unreasonable inferences." Sprewell v. Golden State Warriors, 266 F.3d 979, 988 (9th Cir. 2001). "In sum, for a complaint to survive a motion to dismiss, the non-conclusory factual content, and reasonable inferences from that content, must be plausibly suggestive of a claim entitling the plaintiff to relief." Moss v. U.S. Secret Service, 572 F.3d 962, 969 (9th Cir. 2009) (quotations omitted).
B. Fair Debt Collection Practices Act
The Complaint's fourth cause of action alleges Defendants violated the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692, et seq. The Complaint alleges that "Deutsche/OneWest/IndyMac" violated the FDCPA when they "attempt[ed] to collect on Plaintiff's debt obligation" by "[f]alsely representing... that the debt was owing to Defendants or its principal, ... when in fact, such an assignment had not been accomplished." (ECF No. 1 ¶ 120). Defendants move for the dismissal of the FDCPA claim, contending that "Plaintiff has not and cannot allege facts demonstrating that Defendants are debt collectors' as defined by the FDCPA." (ECF No. 19 at 21). Plaintiff contends that the FDCPA is applicable to Defendants, because Defendants are not lenders. (ECF No. 21-1 at 24).
"To be held liable for violation of the FDCPA, a defendant must - as a threshold requirement - fall within the Act's definition of debt collector.'" Izenberg v. ETS Servs., LLC, 589 F.Supp.2d 1193, 1198 (C.D. Cal. 2008) (citing Heintz v. Jenkins, 514 U.S. 291, 294 (1995)). The FDCPA defines a "debt collector" as "a person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another." 15 U.S.C. § 1692a. The definition explicitly excludes creditors as well as loan originators or assignees who obtained the right to collect on loan when the loan was not in default. See 15 U.S.C. § 1692a(4), § 1692a(6)(A)-(B), § 1692a(ii)-(iii). "The law is well-settled that creditors, mortgagors, and mortgage servicing companies are not debt collectors and are statutorily exempt from liability under the FDCPA." Aguirre v. Cal-Western Reconveyance Corp., No. CV-11-6911, 2012 WL 273753, at *7 (C.D. Cal. Jan. 30, 2012) (quotation omitted). Similarly, "foreclosing on a property pursuant to a deed of trust is not the collection of a debt within the meaning of the FDCPA." Izenberg, 589 F.Supp.2d at 1199 (quotation omitted); see also Reed v. Wells Fargo Home Mortg. Inc., No. 10-2133, 2010 WL 5136196, at *7 (E.D. Cal. Dec. 10, 2010) ("The activity of foreclosing on a property pursuant to a deed of trust is not the collection of a debt within the meaning of the FDCPA....") (quotation omitted).
The Complaint fails to adequately allege that any Defendant is a "debt collector" pursuant to the FDCPA. The Motion to Dismiss the cause of ...