Hack et al v. SunTrust Mortgage, Inc., No. 1:2012cv21436 - Document 35 (S.D. Fla. 2012)
Court Description: ORDER granting 12 Motion to Dismiss; granting 15 Motion to Dismiss. Case is DISMISSED. Signed by Chief Judge Federico A. Moreno on 7/24/2012. (mmz)
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Hack et al v. SunTrust Mortgage, Inc. Doc. 35 UNI TED STATES DI STRI COURT FOR THE CT SOUTHERN DI STRJ OF FLORI CT DA M i m iD i s on a vi i Cas Num ber 1 21436- V- ORENO e : 2CI M J M A L UD - EEN HA CK ,ET A L., A D Pl ntf s ai i f , C L O SE D C lV lL C A SE VS. W A CH OV I BAN K , . ., ET A L. 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Ci P. e a)a e di t' an hor nd ai ttme co he g o n so whc tec u t j rs ito d p nd . , F d. Ci P. ( ) 'Fld r lu idcin r u d n ih h o r' u id ci n e e s .' e R. v. 8a .' e ea j rs it s ' g o e ssonl when a f de alque ton i pr e e on t f e oft pli ifspr l pl de xit y e r si s es nt d he ac he antf opery ea d c ompl nt' Du a v G&L Hol ng Gr ,l ., 381F. 1 ai . nlp . ' di p. nc 3d 285,1 ( 1h Ci.2004)ctng 290 1 t r (ii Catr lar l .v Wilams 48 U. 386, ( 98 )Pr s pla ngsaehedt al ssrng t epil ,nc . li , 2 S. 392 1 7). o e e di r l o es ti en sa r t npl di dr fe b at e a wilt r f e,belbe al consr d. tnda d ha ea ngs a td y tom ys nd l,he e or i r ly tue Tanne nbaum v Unie ats 1 F. 1 1 ( lhCi.1 .' te ni t c eofpr s ltga st s . tdst e , 48 3d 262, 263 1 t r 998) ' ve n he as Ye o e ii nt hi lni y doe notgi a c tlc ns t s r e as de f t c e enc s ve our i e e o e v aco ouns lf a pa t ort r ie a e or ry o ewrt n ot r s defce pl di i or rt s t n a a ton. 'H ouman v fe i 201 W L 2331 , he wie i int ea ng n de o usai n c i ' . w s, 0 089 a *1( D. a J n 1 ,z o tiig GJ l v v Ci o c mba Fl. 1 2 F.d 1 5 ,1 6 t S. Fl. u e 0 ol lctn R n . . t fEs a i, a , 3 3 3 9 3 9 y ( 998 ) ' pr s ltga mus ne rhees 'onf m t pr edurln1e ' Houman, 20l0 W L 1 ). A o e ii nt t ve t l s c or o oc a ls.' ' 2331 9,a *1( tngfor n v Sa s r 309F. 1 1 ( 1h Ci. ) 08 t cii e . se, 3d 296, 304 1 t r2002). Th c mpan o l ma sab o d g n r l ttme tta fd r lu id ci ne it i t s e o lit ny ke r a , e ea sae n h t e ea j rs ito xss n hi c eand r e st tve f r s a ut st s ppor t ssat e . Compl!1 Thec as ef r o i ede al t t e o u t hi t em nt . 7. ompl nt lr ai decaes t a t sc u t a j rs ito u d r28U. C. 1 31 1 U. C. 1 01teTr t i Le igAc h thi o r h s u idcin n e S. j 3 , 5 S. j 6 h uh n ndn t ( LA) 1 U. C.j1 t FarDe Cole tonPrciesAc ( TI , 5 S. 692 he i bt lci a tc t FDCPA) 1 U. C.j2601t ,2 S he . Re l tt S tlme tP o e u e Ad ( PA) a d 1 U. C. 1 61t eHo Own rhi a d a Esae ete n r c d rs RES , n 2 S. j 4 h me es p n Eq i P o e to Ad ( ut r tcin y HOEPA) 1 . we e ,h e mp an d e n tie tf s e ii p o iin . d Ho v rt e o lit o s o d n iy p cfc r vso s oft e sa ut t ts r e a t bassofPli if ' a esofa on, t denyi Def nda sf i hes tt es ha e v s he i antfs c us di hus ng e nt a r notceofPli if' l m sandt gr i antfs cai he oundsuponwhih t y r s . Houm an, 0 W L 2331 9 a *3 c he e t 201 08 t (W hl Rul 8 a( )d e n trq ies e i cfcs ac mp an mu tsil iet ed fn a tfi ' i ' e e ()2 o s o e ur p ct a t, o lit s tl gv h e e d n ar i no ieofwha t cai i a t gr tc t he l m s nd he oundsuponwhih ir t .'. compl nt alt i ntf a c t ess t The ) ai fis o de iy ny s c fc f er lq si t be a we e a does notexpr sy de a e t tt pli if a e pe ii ed a ue tons o ns r d nd es l clr ha he antfs r as e tng ca esofa ton unde an oft e f r lsaut s The onl ca esofaci t ta e s ri us ci r y hes ede a t t e . y us ton ha r a t ly pld i t c cual e n he ompl i a e not lnke i a wa t t f de a saues cie i t ant r i d n ny y o he e r l t t td n he j rs ito a paa rp ofte c mplit Th c mpan i Ho ma wa dimis d o smia u idcin l rg a h h o an . e o lit n u n s s se n i lr g o n swh r te pan if'ale t e tb ih a y c n e to b t e hsb ssf rfd rl r u d ee h litf ' igdl o sa ls n o n cin ewe n i a i o e ea f j rs ito a h salg to s'Ho man 2 0W L 23 1 8 a * u idcin nd i le ai n . u , 01 ' 3 0 9 t 2. Th c mpan as atmp st etb ihj rs ito i t i c u tu d rtes p lme tl e o lit lo t t o sa ls u idcin n hs o r n e h u pe na e j rs ito sau e 2 U. C. 1 3 . mp . 1 .'T1 edititc u t s al a s p e na u idcin ttt, 8 S. j 3 7 Co l! 7 ( h src o rs h lh ve u plme tl j rs it n o e alo h rcamst a ae s rltd t camsi t ea to wi i s c oi ia u idci v r l t e li h t r o eae o li n h ci n t n u h rgn l o h j rs ito t a t e f r p ro t esmec s o c nr v ry.28U.. A. 1 6 . we e , t s u idcin h th y o m a t f h a a e r o to e s ' ' SC. j 3 7 Ho v r hi c u tc n d cie s p lme tl u id cin wh n i ' a ds se alcamso e whc i h s o r a e l u p e n a j rs ito e t ' s imisd l li v r ih t a n h o ii aj rs ito . 2 U. C. 1 6 ()3 . e pan di tes cinb lw,hec mplit al rg n lu idcin' 8 S. j 3 7 c( )As x lie n h e to eo t o an fis ' t p o e l pe dcamsf rr l f n e a yo tefd r l ttt sctd i tej rs ito scin o r p ry la li o ei u d r n f h e ea sau e ie n h u id ci n e t e o oft c pl i and t r or no f de al ai sr ai , onl t cl i sba ed on s a e l w . t he he om a nt he ef e e r cl m em n y he a m s t t a iw n f er ll cli shave dr d outoft l ui i is e ry sa s a onl sat- l w cl m s ed a aw am oppe he aws t n t a l t ge nd y t e a ai rman tefdea c u t h u dd cietee ecs o j rs ito b ds sigtec s wih u e i,h e rl o r s o l e ln h x r ie f u idcin y imisn h a e to t - 3- p eu ie'Ca le v On @: n , B, 01 W L41 5 3 a * ( D. a Oc . 0 z o tiig rj d c . rs n . e Ba k FS 2 0 ' 23 7 , t 3 S. Fl. t2 , ol lctn Ca ne e M el n Uni.v Cohil 48 U. 343, (1 :. sco t houl deci t e r s r gi - lo v . l, 4 S. 350 988 Thi ur s d lne o xecie s p lme tlu idcino e Plitfssaecams e a et e ecamsaeb s r s v db sae u pe naj rs it v r anif'tt li b c us h s li r et e ole y tt o c t a t ei c r tyapr rf u a pe ng a ton i sa ec t chgi sPl ntfs ours nd her s uren l ope or m nd ndi c i n tt our whi ve ai if a opporuniyt a e st rsa elw cli s ' a ecours notf de a c t, houl bet fnal n t t o ddr s hei tt a am .' t St t, e r l ours s d he i ar t r ofs a e l w . Ba t v Fis Na.Ba k o bie s t t a ' gge t . r t t n fGaie vle 1 7F.d 1 4 ,1 5 ( 1h Ci. ' n s il, 1 3 3 2 3 3 1 t r 1 . 997) Ac or ngl t pli tf s c c di y, he a n if ' ompli fis t e tbls t t fd r ls be tmatr o ant al o sa ih ha e t a u jc te r s p lme tlu idcin i p o ri t sCo r a dt u t ec lits o l b d s se u pe na j rs it s r pe n hi u t n h s h omp an h u d e imis d o . B.The c pl ntf l t s at any c ai sf r i om ai ais o t e l m or elef ' d rRu e8 a( ) apr s panifmu tfl ac mplitc nanng ' fce tfcu l ' e l ()2 , o e li tf s i o an o tii s iin a ta Un e uf m at ,a ce ed a t u t sa ea c am t r i t i plusbl on isf e.d H oum an v.fewi , ter c pt s r e, o tt l i o elef hat s a i e t ac ' ' s 201 W L2331 a *1( D. a. olquotnga rrav.War 201 W L 1 44604,a #1( 1h 0 089, t S. FI zol t i dnJel d, 0 5 t 1t Ci.201 ). ni t sCour ga Pl ntfsc an t ge r i e eai t tis ekst r 0) Eve f hi t ve ai if'omplit he ne ous ntprtton ha t e o as e t e r lcli sunderTI FDCPA , RESPA, nd HOEPA, hec s r f de a am LA, a t ompl ntf ist pla f c s ai al o e d a t s ppori a oft epo e ilc us ofa ton. Topr ryplada oft ef de al am s t u tng ny hes t nta a es c i ope l e ny hes e r cli , he c ompl i mus 1 youtf t s ant t a acs upporig t r quiedelm e sofe hc eofa ton. Fore mpl, tn he e r e nt ac aus ci xa e t fl a cai unde HOEPA,t compl ntm us ale f c s de o ie l m r he ai t lge a t monsr tng t tt morga ta i ha he t ge Pli if ob aned qu ii sf pr e to underHOEPA . Se Kh mihv Ba ko antfs t i alfe or otc i n e o c . n fAme ia A ,. rc , d , 2011W L 1 7858 a *5( D. .M a.23,2011.Ort ase taTI cli , t Pl ntfsm us 08 , t E. Cal r ) o s r LA am he ai if t i ntf s cii wrte dicl ur t tt y we er quiedt r c veunderTI butdi notSee de iy pe fc i n s os es ha he l r e r o e ei LA d . I r Cou r de Fi . Cor M org.M kt an Sals Pr tce Lii ., 2008 W L 5 n e ntywi n p. t g. d e ac i s tg 450351 a *3 ,t ( D.Ca. c.30,2008) Thecompli flsf rs tofsai a y fdss S. lDe . ant al a hor ttng n a uppori t fdeal tng he e r sau sctdi tej rs ito a p r ga ho t ec mp an . tt e i n h u idcin l aa r p f h o lit e I a ton,hef c swhiht c n ddii t our ount c he ompli a tm p st pl da eas de i e i f dua ant te t o ea r lo fcint n a l s uppor.The c ant plads f s cii c s a i t al dee nt f (1 wr ul t ompli e our pe fc ount gans 1 fnda s or ) ongf f e os e,( fa ()quittte,a ( de l aor r i ast t rg sand itr tt t orcl ur 2) r ud, 3 e il nd 4) cart y elef o he iht nees o he p o e t s be t otef rco u e Aspld t ec mpan lc ss fce tfcst s p o t n o r p ry u j c t h o e l s r . e , h o lit a k ufiin a t o u p r a y f t ef c am s hes our l i . Fis,a cai f wr ulf e os e r quie t tt pr ry i quesi be s d a a rt l m or ongf or cl ur e r s ha he ope t n ton ol t f e os e s l .Rai s v GMAC M orgage Co. 2009 W L 471 or cl ur a e ne . t , 5969, a * ( . Fl.Dec 1 t 2 M D. a . 0, 2009) Thesaecou ta ton f f ecos ea ns Pl ntfsi silpe ng,heef enos eof . tt r ci or or l ur gai t ai if s tl ndi t r or al Pli ifspr ry hasocc r d a t scai i notye rpe. antf ope t ure nd hi l m s ti Se ond, t c c he ompli t a tm pt t pl a a fa cli t t t De e nt ma a n te s o e d r ud am ha he f nda s de ' se es nt i , di nothol avai i e e ti t pr s or not ormorga a is i t ' r pr e atons' d mi ' d ld nt r s n he omis y e t ge t s ue n he saef r l ur c e, ndt tDe e nt ' te st c l t t m orgag byf e l i ont t t o ecos e as a ha f nda s a tmpt o olec on he t e or c osng he p o e t i fa d ln . mpl! 7 - 8 Ho v racam frfa dmu t pldwi pat uaiy r p ry s ru u e tCo . ! 2 7 . we e, li o ru s be e t ri lrt h c u d rF d R. v P. ( ) Ogls e v I d cFi. r . n .6 6F. pp 2 1 3 1 7( D. n e e . Ci. 9 b . e b e . n yMa n Se v I c, 8 Su . d 31 , 31 S. Fl. 0)Pla ngfa wihpatculrt mea t tt c ant t'e f t prciel wha a 20l . e di rud t ri aiy ns ha he ompli mus ' torh e s y t s sae e sorom isonswe e ma i wha docu e soror lr pr s nt tons t tmeand plc t tm nt si r de n t m nt a e e e ai , he i ae o t e sae ns (ro sin ) wh ma e te sae n s( ro si n ) t cont nt oft f h ttme t o miso s, o d h ttme t o miso s, he e s he sae t ( omisons a ma ri whi t ymil t pli if andwha t def nt ttmens or si ) nd nne n ch he sed he antf, t he enda ga ne a a c e nce 'Pyr i i d s ons que .' am dEmp ' Se v. v Coie, r r . l 2006W L 1 009, *4( . Fl M a 208 at M D. a. y 3,2006) Thec ai doesnotprvi a fct rgadi whatsae nt oromisonst . ompl nt o de ny a s e r ng ttme s si he - 5- d e nt made t tt Pli ifbe iveswe e m ir pr s nt tons no t da e ort orgnal efnda s ha he a ntf le r s e e e ai r he t he i i , s a . pe ker Thust c he ompl i doe no plad fa wih pa tc a iy asr quie t sa e a cl i f ant s t e r ud t ri ulrt e r d o tt a m or r le .Addii l t pr s ntc pli pl dsfa agans a1 de e e if tonaly, he e e om a nt ea r ud i t l f ndant s ge r l wihout ne aly. t as rbi s cii faudulntsatm e sorom isonst a pari ulrdef nda . c i ng pe fc r e t e nt s i o ny tc a e nt ' e9( i not ' Rul b) s s t fe gf tec mpan v g ey atiue t alg d fa d ln sae n s( ro s in t ai id ij h o lit a u l t b ts he le e r u ue t ttme t o miso l o s r 'ef nt.' ilng Cons t s l .v Fis M ont Se Co p. 806 F.Supp. 2d l d enda s' Drli ' ulant, nc . r t auk c r , 228,1 4 23 . ( . Fl.2011. M D. a ) Thid,t Pl ntfs fna t ca e ofa ton f quittte a dec a aor r i s ek r he ai if ' i l wo us s c i or e il nd l r t y elef e r i byt scou tha t Pl i if a ee il dt owne s p oft pr erya t tt not a ulngs hi r t t he antfs r ntte o r hi he op t nd ha he e nd m o t gea ei i Com pl! 8 - 3 Boho te eis e aec re typ n n i tef rco u e rga r nvald. . ! 09 . t f h s s u s r u rn l e dig n h o e ls r a ton i s a e c t I e s e t Pl i if 'c am s s k a de a a i by t s Cour t tt c i n t t our . n s enc , he antfs l i ee clr ton hi t ha he De e nt a enotal f nda s r lowedt c i t rf e os r a ton i sat cour . ft sCour w e e t o ontnue hei or cl u e c i n t e t l hi t r o i s s c ade a a i , t e f c woul bet put e t t sat cour pr e ngs s ue u h cl r ton he fe t d o an nd o he t e t oce di . Thi Cour' s ts a lt t sop ape ng sae c tpr e ng i lm ied by t Antbiiy o t ndi t t our oce di s i t he i lj n to Ac, 8U. C. nu cin t 2 S. j 2 8 ,whih sae t a 'a c u to t e Un td Stts ma n tg a ta ij n to t sa 2 3 c tts h t ' ) o r f h ie ae y o rn n n u cin o ty r pr ee ngsi aSt t c te e a e e sy a ho iedbyAc ofCongr s oc di n a e our xc pt s xpr s l ut rz t es , orwhe e ne e s l r c s ay i ad o isj rs ito ,o t p o e to ef cu t isj d me t 'N one of t t ee narow n i f t u idcin r o r tc r fe tae t u g n s ' he hr r . e pto t t sAd ar pr e i t i tntca e. ' ca ei i gr xce i ns o hi e es nt n he nsa s ' us t s ounded i t c tt i l Be n he onsiutona g a t s of i epe nce be we n t sa e a f de al s t m s t l ngua of t uar n ee nd nde t e he t t nd e r yse , he a ge he An ilj n to Ac . . sc n tu d n ro yb tec u t 'Burr& For v Bl r,470 F. t- nu cin t . i o sr e ar wl y h o rs ' man ai 3d . . 1 9,1 ( lh Ci.2006) ' t ha i epr td t Ant lj n to Ac as t 'r hbt 0l 028 1 t r . ' s ve ntr ee he i n u cin t lo o p o ii Cour - d caao yj d me t whc to g n t n on n tesaep o e dig woul deci andpr empt e lrtr u g ns ih,h u h o e j ii g h tt r c e n , d de e - 6- t mat rpendi t r ' fawr nce v JP M or Chas Bank N A. 2011 W L 2039 he te ng he e.' ' e . gan e , , 097,a *1 t ( D. a M a 2 2 1. i Co r c n t ueo t elg l li t q itil a dfrd caaoy S. FI. y 5, 01 )Ths u t a no r l n h e a cams o ue tte n o e lrtr r l fb c u et eAnilj ncin Ac p e e t t i Co r fo e dng asaec u t r c e i ei e a s h t-nu to t rv n s hs u t r m n i e tt o r p o e dng e e f lmie c r um sanc snotpr e i t i t ca e. xc pt or i t d ic t e es nt n he nsant s Ac or ngy,hec c di l t ompl i f l t sa ea f c st ts ant ais o t t ny a t ha uppor a ofisf cai sf ei f t ny t our l m orr le . Conc uson l i THI CAUSE c S ame be or t Cour upon W a f e he t chovi Ba and M orga Elctoni a nk t ge e r c Re r ton Syse sM otont Dimis( E.No.12) fldon M av31.2012a t SunTnlt codai tm' i o s s D. , ie nd he s Eniis M otont Dimis( E.No.1 fld on June14.2012.A heai on t sM oto t tte ' i o s s D. 5) ie rng hi in o Dimiswa hel on Jul 24. s s s d y 2012a 1 30AM a a eecr cnotc oft she rngwa is d t 0: nd n l toni ie hi a i s s ue onJul 1 y 2.2012( E. 24 . ai if di nota a f t she rng, rdi a D. No. ) Pl ntfs d ppe r or hi ai no d nyonea a on ppe r t i be l. phone n he r haf The umbe t ta a son Pl ntfs flngsc m e t t an at neywho has r ha ppe r ai if' ii ol c s o tor no r l i t t c e a doesnotr pr s ntPl ntfs eaton o he as nd e e e ai if . THE COURT hasc i r d t m o i r s onsde e he ton, e pons a t pe tne pori nsoft r cor e nd he ri nt to he e d, a bei ot r s f l a s d i t pr m ie ,i i nd ng he wie uly dvie n he e s s t s ADJUDGED t a t emoin i GRANTED a dt i c s i DI SSED wi p eu ie h t h to s n hs a e s SMI t rj dc . h D N A DODRDiCabraMi ili,i dyfu,02 O E N R EE n hme t a ,od ts aoJl21. s m FrahU y / FED ERI CO . O CH I > 1 EF A TES DI U CT J DG E STI U Copi s p ovi d t e r de o: Cou elofRe or ns c d J a Ud- e n H a k am l D e c 7856 N W 1 92nd Stee r t M i m i FL 3301 a , 5
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