[Cite as Huntington Natl. Bank Mtge. Loan Dept. v. Peppel, 2014-Ohio-3084.]
IN THE COURT OF APPEALS
TWELFTH APPELLATE DISTRICT OF OHIO
WARREN COUNTY
THE HUNTINGTON NATIONAL BANK :
MORTGAGE LOAN DEPARTMENT,
: CASE NO. CA2013-11-114
Plaintiff-Appellee,
: OPINION
7/14/2014
- vs - :
MICHAEL E. PEPPEL, et al., :
Defendants-Appellants. :
CIVIL APPEAL FROM WARREN COUNTY COURT OF COMMON PLEAS
Case No. 13CV83956
Weltman Weinberg & Reis Co., L.P.A., Jack J. Lah, James J. Todd, David W. Cliffe, 525
Vine Street, Suite 800, Cincinnati, Ohio 45202, for plaintiff-appellee
Taft Stettinius & Hollister, LLP, Nicholas J. Pieczonka, 425 Walnut Street, Suite 1800,
Cincinnati, Ohio 45202-3957, for defendant-appellant, Michael E. Peppel
David P. Fornshell, Warren County Prosecuting Attorney, Christopher Watkins, 500 Justice
Drive, Lebanon, Ohio 45036, for defendant, Warren County Treasurer
Nicholas J. Pantel, 221 East Fourth Street, Suite 400, Cincinnati, Ohio 45202, for defendant,
United States of America
Jennie L. Church, 2100 One Cleveland Center, 1375 East Ninth Street, Cleveland, Ohio
44114, for defendant, Alan Peller
RINGLAND, P.J.
{¶ 1} Defendant-appellant, Michael E. Peppel, appeals from the decision of the
Warren CA2013-11-114
Warren County Court of Common Pleas granting summary judgment to plaintiff-appellee,
The Huntington National Bank (Huntington Bank). For the reasons outlined below, we affirm.
{¶ 2} In February 2003, Michael and Natalie Peppel executed a promissory note in
favor of Huntington Bank in the amount of $670,000 for the purchase of real property located
in Waynesville, Ohio (Property). The note was secured by a mortgage that designated the
Peppels as the borrowers, Huntington Bank as the lender, and Mortgage Electronic
Registration Systems, Inc. (MERS) as the mortgagee, acting as a nominee for Huntington
Bank and its successors. Just one year later, in February 2004, the note and mortgage were
amended to release Natalie from any and all covenants and obligations under the note, and
to reflect the transfer of Natalie's entire interest in the Property to Michael.
{¶ 3} It is not clear from the record precisely when Michael ceased payment on the
note, but MERS assigned the mortgage to Huntington Bank in December 2012. In April
2013, Huntington Bank filed a complaint for foreclosure on the Property. Attached to the
complaint were the note and mortgage executed by the Peppels in 2003, and the 2004
amendment to the mortgage consolidating ownership of the Property and responsibility for
the note in Michael.
{¶ 4} In October 2013, Huntington Bank filed a motion for summary judgment.
Included with the motion was an affidavit from Clair L. Turk, an authorized signer of
Huntington Bank, which stated that according to Huntington Bank's business records, the
loan evidenced by the note and mortgage was in default and the default had not been cured.
Attached to the affidavit was a copy of both the note and the mortgage, but no payment
history.
{¶ 5} Michael then filed a "Memorandum in Opposition to Plaintiff's Motion for
Summary Judgment" (Memorandum in Opposition), and a "Motion for Leave to File Amended
Answer." The proposed amended answer claimed that Huntington Bank failed to provide
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Michael with a notice of default, which Michael believed to be a condition precedent to the
filing of the foreclosure complaint. Without holding a hearing on the matter, and without
explicitly ruling on Michael's Motion for Leave to File Amended Answer, the trial court granted
summary judgment in favor of Huntington Bank.
{¶ 6} Michael now appeals from the trial court's decision granting summary judgment
to Huntington Bank, raising two assignments of error for review. For ease of discussion, the
assignments will be addressed out of order.
{¶ 7} Assignment of Error No. 2:
{¶ 8} THE TRIAL COURT ERRED IN GRANTING SUMMARY JUDGMENT BASED
ON THE EXISTENCE OF GENUINE ISSUES OF MATERIAL FACT AS TO DAMAGES.
{¶ 9} Appellate review of a trial court's ruling on a motion for summary judgment is de
novo. Bank of America, N.A. v. Jackson, 12th Dist. Warren No. CA2014-01-018, 2014-Ohio-
2480, ¶ 32. Civ.R.56(C) sets forth the conditions under which it is appropriate to grant
summary judgment: (1) there are no genuine issues of material fact to be litigated; (2) the
moving party is entitled to judgment as a matter of law; and, (3) when all evidence is
construed most strongly in favor of the nonmoving party, reasonable minds can come to only
one conclusion, and that conclusion is adverse to the nonmoving party. Zivich v. Mentor
Soccer Club, Inc., 82 Ohio St.3d 367, 369-70 (1998). The party moving for summary
judgment has the initial burden of producing evidence that affirmatively demonstrates the
absence of a genuine issue of material fact. First Horizon Home Loans v. Sims, 12th Dist.
Warren No. CA2009-08-117, 2010-Ohio-847, ¶ 19, citing Dresher v. Burt, 75 Ohio St.3d 280,
292-93 (1996). If the moving party meets its burden, the nonmoving party "must set forth
specific facts showing that there is a genuine issue for trial." Civ.R. 56(C).
{¶ 10} Michael claims that Huntington Bank failed to satisfy its initial burden of
demonstrating the absence of a genuine issue of material fact. Civ.R. 56(E) requires that
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sworn or certified copies of all papers or parts of papers referred to in an affidavit be attached
to or served with the affidavit. Michael notes that Turk's affidavit refers to Huntington Bank's
business records in support of the averment that Michael's loan was in default, but that there
are no business records attached to the affidavit. He relies on case law from this court for
the proposition that, "[w]hen an affiant relies on documents in [her] affidavit and does not
attach those documents, the portions of the affidavit that reference those documents must be
stricken." Wells Fargo Bank v. Smith, 12th Dist. Brown No. CA2012-04-006, 2013-Ohio-855,
¶ 17, citing Third Fed. S. & L. Assn. of Cleveland v. Farno, 12th Dist. Warren No. CA2012-
04-028, 2012-Ohio-5245, ¶ 10. Michael argues that had the trial court struck the portions of
the affidavit at issue here, there would have been no basis upon which to grant Huntington
Bank's motion for summary judgment.
{¶ 11} Yet there was no need for the trial court to strike the averment in Turk's
affidavit. "'[F]ailure to move to strike or otherwise object to documentary evidence submitted
by a party in support of * * * a motion for summary judgment waives any error in considering
that evidence under Civ.R. 56(C).'" Hammock v. Sav. of Am., 12th Dist. Clermont No. CA90-
01-006, 1990 WL 129460, *3 (Sept. 10, 1990), quoting Steganski v. Cleveland Anesthesia
Group, Inc., 37 Ohio App.3d 78, 83 (8th Dist.1987). See also Wells Fargo Bank at ¶ 39.
Michael did not file a motion to strike with the trial court, or raise any other objections,
regarding the portions of the Turk affidavit that are presently at issue. Therefore, Michael
has waived this argument on appeal, and the trial court properly found that Huntington Bank
satisfied its initial burden on the motion for summary judgment.
{¶ 12} Michael's second assignment of error is overruled.
{¶ 13} Assignment of Error No. 1:
{¶ 14} THE TRIAL COURT ERRED IN GRANTING THE MOTION FOR SUMMARY
JUDGMENT BY FAILING TO CONSIDER MATERIALS FILED BY THE DEFENDANT-
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APPELLANT.
{¶ 15} Michael also asserts that the trial court erred in granting the motion for
summary judgment because the trial court did not examine all appropriate materials as
required by the Ohio Supreme Court in Murphy v. City of Reynoldsburg, 65 Ohio St.3d 356,
358 (1992). In particular, Michael claims the trial court failed to examine both his
Memorandum in Opposition and his Motion for Leave to File Amended Answer. As evidence
of this failure, Michael points to the judgment entry, which states "[t]his cause was submitted
to the Court and heard upon the Complaint of [Huntington Bank], the Answer of [Michael], * *
* [Huntington Bank's] Motion for Summary Judgment and Default Judgment and the
evidence." Michael claims the trial court would not have omitted from the list his
Memorandum in Opposition or his Motion for Leave to File Amended Answer if the trial court
had, in fact, considered those materials.
{¶ 16} However, Michael misinterprets the Murphy court's holding regarding the trial
court's duty when deciding a motion for summary judgment. In Murphy, the plaintiff and the
defendants had filed numerous depositions and other evidence with the trial court prior to the
hearing on the defendants' motion for summary judgment. Murphy at 357. At the hearing,
the trial court admitted that it had not read the parties' motions or briefs, yet proceeded to
render a decision on the motion based exclusively on the oral arguments of the parties. Id.
On appeal, the Ohio Supreme Court took issue with the trial court's disregard of its duty
under Civ.R. 56(C) to examine "all appropriate materials filed by the parties." Id. at 358.
Although the phrase "all appropriate materials" was not specifically defined, the opinion
makes clear that Civ.R. 56(C) requires the trial court to "conscientiously examine all the
evidence before it when ruling on a summary judgment motion." (Emphasis added.) Id. at
359.
{¶ 17} Michael's Memorandum in Opposition, standing alone, is not evidence. Civ.R.
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56(C) provides an exclusive list of materials the trial court may consider when deciding a
motion for summary judgment: "pleadings, depositions, answers to interrogatories, written
admissions, affidavits, transcripts of evidence, and written stipulations of fact * * *." Civ.R.
56(C); Wells Fargo Bank, 2013-Ohio-855 at ¶ 15. Further,
Documents submitted in opposition to a Motion for Summary
Judgment which are not sworn, certified or authenticated by
Affidavit have no evidentiary value and may not be considered by
the Court in deciding whether a genuine issue of material fact
remains for trial.
Fuson v. Fisher, 12th Dist. Brown No. CA97-05-013, 1998 WL 65690, *3 (Feb. 17, 1998),
quoting Green v. B.F. Goodrich Co., 85 Ohio App.3d 223, 228 (9th Dist.1993). Therefore,
the trial court had no duty to consider Michael's Memorandum in Opposition as evidence
affecting its ruling on Huntington Bank's motion for summary judgment. See Civ.R. 56(C)
("No evidence or stipulation may be considered except as stated in this rule").
{¶ 18} Michael's Motion for Leave to File Amended Answer did not present the trial
court with evidence, either. After the moving party meets its initial burden of producing
evidence that affirmatively demonstrates the absence of a genuine issue of material fact, the
nonmoving party "'may not rest on the mere allegations of his pleading, but his response, by
affidavit or as otherwise provided in Civ.R. 56, must set forth specific facts showing the
existence of a genuine triable issue.'" Bank of America, 2014-Ohio-2480 at ¶ 33, quoting
Mootispaw v. Eckstein, 76 Ohio St.3d 383, 385 (1996). In moving to amend his answer to
include the allegation that Huntington Bank failed to provide him with notice of default,
Michael was not setting forth evidence of a specific fact showing the existence of a genuine
triable issue; he was merely alleging an issue.
{¶ 19} Michael's failure to attach an affidavit to either his Memorandum in Opposition
or his Motion for Leave to File Amended Answer rendered those documents devoid of
evidentiary value. Fuson at *3. Hence, the trial court did not fail to examine all appropriate
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materials as required by the Ohio Supreme Court in Murphy.
{¶ 20} Michael's first assignment of error is overruled.
{¶ 21} Judgment affirmed.
S. POWELL and M. POWELL, JJ., concur.
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