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Julio v. Onewest Bank

United States District Court, N.D. California, San Jose Division

January 16, 2015

ANTONIO A. JULIO and CLEOPATRA U. JULIO, Plaintiffs,
v.
ONEWEST BANK, FSB; JOHN AND JANE DOE; CORPORATIONS OR OTHER ENTITIES; and DOES 1-100 inclusive, Defendant.

ORDER DISMISSING COMPLAINT

LUCY H. KOH, District Judge.

Plaintiffs Antonio A. Julio and Cleopatra U. Julio ("Plaintiffs") bring this action against OneWest Bank, FSB ("OneWest"). Before the Court is OneWest's motion to dismiss Plaintiffs' Complaint in its entirety. ECF No. 4. Pursuant to Civil Local Rule 7-1(b), the Court finds this matter appropriate for resolution without oral argument and hereby VACATES the hearing scheduled for January 22, 2015, at 1:30 p.m.[1] Having considered the parties' submissions, the record in this case, and the applicable law, the Court concludes that it lacks jurisdiction over this action and therefore Plaintiffs' claims are DISMISSED without prejudice.

I. BACKGROUND

A. Factual Background

Plaintiffs are husband and wife, and according to documents attached to their Complaint, residents of Santa Clara County, California. ECF No. 1 ("Compl.") ¶ 1. On December 16, 2003, Plaintiffs executed a deed of trust in connection with a $377, 600 loan secured by the property located at 3407 Rio Brave Drive, San Jose, California. Compl. Ex. A ("Deed of Trust"). The Deed of Trust named Seaside Financial Corporation as the trustee, and First Federal Bank of California ("First Federal") as the beneficiary. Id. The Deed of Trust was recorded in the Santa Clara County Recorder's Office on December 30, 2003 as instrument number 17551668. Id.

On March 29, 2010, First Federal executed a corporate assignment of instrument number 17551668, assigning First Federal's rights to OneWest. Id. Ex. C ("Corporate Assignment"). The Corporate Assignment was recorded in the Santa Clara County Recorder's Office on April 26, 2010 as instrument number 20689304. Id.

Plaintiffs also attached to their Complaint a substitution of trustee, dated March 4, 2009.[2] Id. Ex. B ("Substitution of Trustee"). The Substitution of Trustee pertains to instrument number 18380777, see id., which is not attached to or described in Plaintiffs' Complaint, see generally Compl. According to the Substitution of Trustee, New Century Title Company, the original trustee, substituted Regional Service Corporation as the successor trustee under the relevant deed of trust. Id. Ex. B.

B. Procedural Background

On July 3, 2014, Plaintiffs filed the instant lawsuit in this Court. See Compl. Plaintiffs assert claims for "illegal recording of substitution of trustee and corporate assignment of deed of trust"; "fraud, misleading, and intentional misrepresentation"; "conspiracy"; and "unfair deceptive business practices act for making a false document." Id. at 1. Plaintiffs claim that the Substitution of Trustee was "fabricated, forged, [and] false document." Id. ¶ 8. Plaintiffs appear to base this allegation on the fact that the Substitution of Trustee references different parties, such as New Century Title Company, than the Deed of Trust.[3] Id. ¶ 7. Plaintiffs further appear to allege that because the Substitution of Trustee was fabricated or forged, the Corporate Assignment recorded by OneWest was "illegal." Id. ¶ 9. Plaintiffs further allege that a signature which appears on the Corporate Assignment was "no[t] bona fide" and was signed by a robo-signer. Id. ¶¶ 11, 15. Plaintiffs also claim that mortgage loans executed in connection with their property were improperly or illegally securitized, and that this improper securitization rendered subsequent transfers of the Deed of Trust invalid. Id. ¶¶ 19-21. Plaintiffs cite two statutes in their Complaint as the bases for their cause of action: 18 U.S.C. § 1001, and California's Unfair Deceptive Business Practices Act. Id. ¶¶ 8, 23.

On August 14, 2014, OneWest filed the instant motion to dismiss. ECF No. 4. OneWest moves pursuant to Federal Rule of Civil Procedure 12(b)(6) to dismiss Plaintiffs' Complaint on the grounds that Plaintiffs fail to allege any actual injury and therefore lack the requisite standing to bring a lawsuit, and that Plaintiffs fail to state any claim for relief. Id. at 4-5. In the alternative, should the Court not dismiss Plaintiffs' Complaint, OneWest requests that the Court order Plaintiffs to provide a more definite statement pursuant to the Federal Rule of Civil Procedure 12(e). Id. at 5. Plaintiffs filed an opposition to the motion to dismiss on January 14, 2015, more than four months after the August 28, 2014 deadline imposed by Civil Local Rule 7-3(a).[4] ECF No. 25. Because Plaintiffs filed an untimely opposition two days prior to the date of this Order, OneWest has not filed a reply.

II. LEGAL STANDARD

A. Motion to Dismiss

Pursuant to Federal Rule of Civil Procedure 12(b)(6), a defendant may move to dismiss an action for failure to allege "enough facts to state a claim to relief that is plausible on its face." Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 (2007). "A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged. The plausibility standard is not akin to a probability requirement, ' but it asks for more than a sheer possibility that a defendant has acted unlawfully." Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (internal citations omitted). For purposes of ruling on a Rule 12(b)(6) motion, the Court "accept[s] factual allegations in the complaint as true and construe[s] the pleadings in the light most favorable to the nonmoving party." Manzarek v. St. Paul Fire & Marine Ins. Co., 519 F.3d 1025, 1031 (9th Cir. 2008). Furthermore, "[a]lthough a pro se litigant... may be entitled to great leeway when the court construes his pleadings, those pleadings nonetheless must meet some minimum threshold in providing a defendant with notice of ...


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