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Soto v. Onewest Bank, FSB

United States District Court, District of Nevada

April 6, 2015

Antonio Soto and Laura Soto, Plaintiffs,
v.
OneWest Bank, FSB, Defendant.

ORDER

Gloria M. Navarro, Chief Judge

Pending before the Court is the Motion to Dismiss, (ECF No. 9), filed by Defendant OneWest Bank, FSB. Plaintiffs Antonio Soto and Laura Soto filed a Response, (ECF No. 14), to which Defendant replied, (ECF No. 18). For the reasons set forth herein, the Motion will be granted.

I. BACKGROUND

This case centers upon Plaintiffs’ allegations that Defendant wrongfully foreclosed upon their former residence. (Compl., ECF No. 1-1).

Plaintiffs allege that they filed bankruptcy in the United States Bankruptcy Court for the District of Nevada on February 22, 2012, in order to “save their real property located at 545 Foster Springs Road, Las Vegas, NV 89148” (“the Property”). (Id. at ¶ 5). On August 27, 2012, the Bankruptcy Court terminated the automatic stay as to the Property and specifically permitted Defendant to “recommence foreclosure proceedings.”[1] In re Soto, 12-11861-BAM (Bankr. D. Nev. Aug. 14, 2012). After the automatic stay was terminated, the Complaint alleges that Defendant issued a Notice of Trustee’s Sale and foreclosed upon the Property. (Compl. ¶ 10). The trustee’s sale took place on October 18, 2012. (Trustee’s Deed Upon Sale, Ex. V to Mot. to Dism., ECF No. 9-22).

Based on these allegations, the Complaint sets forth claims for: (1) Wrongful Foreclosure; (2) Abuse of Process; and (3) Unjust Enrichment. (Compl. ¶¶ 14-29). In the instant Motion, Defendant argues that the Complaint should be dismissed pursuant to Federal Rule of Civil Procedure 12(b)(6). (Mot. to Dism., ECF No. 9).

II. LEGAL STANDARD

Dismissal is appropriate under Rule 12(b)(6) where a pleader fails to state a claim upon which relief can be granted. Fed.R.Civ.P. 12(b)(6); Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007). A pleading must give fair notice of a legally cognizable claim and the grounds on which it rests, and although a court must take all factual allegations as true, legal conclusions couched as a factual allegation are insufficient. Twombly, 550 U.S. at 555. Accordingly, Rule 12(b)(6) requires “more than labels and conclusions, and a formulaic recitation of the elements of a cause of action will not do.” Id. “To survive a motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to ‘state a claim to relief that is plausible on its face.’” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (quoting Twombly, 550 U.S. at 555). “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.” Id. This standard “asks for more than a sheer possibility that a defendant has acted unlawfully.” Id.

“Generally, a district court may not consider any material beyond the pleadings in ruling on a Rule 12(b)(6) motion.” Hal Roach Studios, Inc. v. Richard Feiner & Co., 896 F.2d 1542, 1555 n.19 (9th Cir. 1990). “However, material which is properly submitted as part of the complaint may be considered.” Id. Similarly, “documents whose contents are alleged in a complaint and whose authenticity no party questions, but which are not physically attached to the pleading, may be considered in ruling on a Rule 12(b)(6) motion to dismiss” without converting the motion to dismiss into a motion for summary judgment. Branch v. Tunnell, 14 F.3d 449, 454 (9th Cir. 1994). On a motion to dismiss, a court may also take judicial notice of “matters of public record.” White v. Lee, 227 F.3d 1214, 1242 (9th Cir. 2000). Otherwise, if a court considers materials outside of the pleadings, the motion to dismiss is converted into a motion for summary judgment. Fed.R.Civ.P. 12(d).

If the Court grants a motion to dismiss for failure to state a claim, leave to amend should be given unless it is clear that the deficiencies of the complaint cannot be cured by amendment. DeSoto v. Yellow Freight Sys., Inc., 957 F.2d 655, 658 (9th Cir. 1992). Pursuant to Rule 15(a), the court should “freely” give leave to amend “when justice so requires, ” and in the absence of a reason such as “undue delay, bad faith or dilatory motive on the part of the movant, repeated failure to cure deficiencies by amendments previously allowed, undue prejudice to the opposing party by virtue of allowance of the amendment, futility of the amendment, etc.” Foman v. Davis, 371 U.S. 178, 182 (1962).

III. DISCUSSION

Defendant argues that the Complaint should be dismissed because Plaintiffs’ claims each fail as a matter of law. In considering the instant Motion, the Court will address each of Plaintiffs’ claims in turn.

A. Wrongful Foreclosure

Defendant argues that Plaintiffs’ wrongful foreclosure claim is time barred, and therefore should be dismissed with prejudice. Indeed, pursuant to Nev. Rev. Stat. 107.080(5)(b), parties have only forty-five days following a trustee’s sale to challenge the sale’s validity. In this case, the trustee’s sale occurred on October 18, 2012, (Trustee’s Deed Upon Sale, Ex. V to Mot. to Dism., ECF No. 9-22), and Plaintiffs did not file this action until August 28, 2014, (Compl., ECF No. 1-1). Therefore, as 679 days elapsed between the trustee’s sale and the filing of the Complaint, the Court finds that ...


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