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Norma Gray v. Bank of America


March 19, 2013


The opinion of the court was delivered by: Jones, II, J.


Presently before this Court is Defendant Bank of America's Motion to Dismiss the pro se Complaint of Plaintiff Norma Gray.*fn1 For the reasons that follow, the Motion is granted, and the Complaint is dismissed without prejudice and with leave to file an amended complaint.


In deciding a motion to dismiss pursuant to Rule 12(b)(6), courts must "accept all factual allegations as true, construe the complaint in the light most favorable to the plaintiff, and determine whether, under any reasonable reading of the complaint, the plaintiff may be entitled to relief." Phillips v. Cnty. of Allegheny, 515 F.3d 224, 233 (3d Cir. 2008). After the Supreme Court's decision in Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 555 (2007), "threadbare recitals of a cause of action's elements, supported by mere conclusory statements" do not suffice. Ashcroft v. Iqbal, 556 U.S. 662, 663 (2009). "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 of the alleged misconduct." Id. (citing Twombly, 550 U.S. at 556). This standard, which applies to all civil cases, "asks for more than a sheer possibility that a defendant has acted unlawfully." Id. at 678; accord Fowler v. UPMC Shadyside, 578 F.3d 203, 210 (3d Cir. 2009) ("All civil complaints must contain more than an unadorned the-defendant-unlawfully-harmed-me accusation."). Moreover, "the factual detail in a complaint [must not be] so undeveloped that it does not provide a defendant [with] the type of notice of claim which is contemplated by Rule 8 [of the Federal Rules of Civil Procedure]." Villegas v. Weinstein & Riley, P.S., 723 F. Supp. 2d 755, 756 (M.D. Pa. 2010) (quoting Phillips, 515 F.3d at 232). The sufficiency of a pro se pleading must be construed liberally in favor of a plaintiff, even after Iqbal. See Erickson v. Pardus, 551 U.S. 89, 94 (2007). Finally, a complaint should not be dismissed with prejudice for failure to state a claim without granting leave to amend, unless the Court finds bad faith, undue delay, prejudice or futility. See Grayson v. Mayview State Hosp., 293 F.3d 103, 110-11 (3d Cir. 2002); Shane v. Fauver, 213 F.3d 113, 117 (3d Cir. 2000).


Plaintiff's Complaint alleges in its entirety that "the Defendant is in fact a Note Holder in due Course and has standing as a real party in interest in this Promissory Note as Plaintiff has reason to believe the Defendant has sold the Note under 'Mortgage Backed Securities instrument' to investors under a pooling of interest and did not credit the Plaintiff for is [sic] sale." (Compl. ¶ 2.) She references 18 U.S.C. § 2071,*fn2 and seeks that Defendant "stipulate via Affidavit they [sic] are infact [sic] a Creditor in this loan/Security instrument." (Id. ¶ 3.) In the event Defendant is "unable to produce proof of claim, Plaintiff Prays this Court to order Defendant release all claims against Plaintiff and grant the appropriate remedies due to Plaintiff." (Id.)


This Court finds that Plaintiff's Complaint fails to meet the pleading standard required of litigants in a federal proceeding. Simply stated, the Complaint is devoid of any factual content sufficient to "raise the right to relief above the speculative level." Twombly, 550 U.S. at 556. Plaintiff has not even alleged that she has suffered an injury. Her demands that Defendant stipulate that it is her creditor (i.e. that it has not sold the note to another creditor as part of a mortgage backed security) and, if it fails to do so, that this Court release all claims against her, contains no factual explanation to show why this is required, or citation to any legal authority to support such a claim. As she has failed to allege facts showing a plausible claim for relief, Defendants Motion to Dismiss is granted. However, because Plaintiff is proceeding pro se,this Court will grant her the opportunity to file an amended complaint to set forth a sufficient factual and legal basis for her claim, as required by Fed. R. Civ. P. 8.

An appropriate order follows.

(b) Whoever, having the custody of any such record, proceeding, map, book, document, paper, or other thing, willfully and unlawfully conceals, removes, mutilates, obliterates, falsifies, or destroys the same, shall be fined under this title or imprisoned not more than three years, or both; and shall forfeit his office and be disqualified from holding any office under the United States. As used in this subsection, the term "office" does not include the office held by any person as a retired officer of the Armed Forces of the United States.

In her Complaint, Plaintiff offers no explanation why this statute is relevant to her claim.

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