JPMorgan Chase Bank, NA v. Carroll

[Cite as JPMorgan Chase Bank, NA v. Carroll, 2013-Ohio-5273.]

IN THE COURT OF APPEALS

TWELFTH APPELLATE DISTRICT OF OHIO

CLINTON COUNTY

JPMORGAN CHASE BANK, NA, :

Plaintiff-Appellee, : CASE NO. CA2013-04-010

: OPINION
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:

GLENN R. CARROLL a.k.a. GLENN :
CARROLL, et al.,
:
Defendants-Appellants.
:

CIVIL APPEAL FROM CLINTON COUNTY COURT OF COMMON PLEAS
Case No. CVE 20110452

Stephen D. Williger, 3900 Key Tower, 127 Public Square, Cleveland, Ohio 44114-1291, for
plaintiff-appellee

Thomas Wyatt Palmer, Brad W. Stoll, 41 South High Street, Suite 1700, Columbus, Ohio
43215, for plaintiff-appellee

Steven F. Stuhlbarg, Maribeth Mincey, 7809 Shadowhill Way, Cincinnati, Ohio 45242, for
defendants-appellants

Kathy Gamble, 103 East Main Street, Wilmington, Ohio 45177, for defendant, Clinton County
Treasurer

HENDRICKSON, P.J.

{¶ 1} Defendants-appellants, Glenn R. Carroll and Peggy L. Carroll, appeal a
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decision of the Clinton County Court of Common Pleas granting summary judgment and a

decree of foreclosure in favor of plaintiff-appellee, JPMorgan Chase Bank, N.A. (JPMorgan).1

For the reasons discussed below, we affirm the decision of the trial court.

{¶ 2} On January 23, 2004, Glenn executed a promissory note in favor of Chase

Manhattan Mortgage Corporation in the principal amount of $127,000, with interest of 6.25

percent per annum. The note called for monthly payments for a period of 30 years. Glenn

and Peggy executed a mortgage that secured the note and encumbered the property located

at 562 Brooke Boulevard in Wilmington, Ohio.

{¶ 3} In August 2010, the terms of the note were modified. Pursuant to a "Loan

Modification Agreement," the new principal balance of the note was $117,143.29, with

interest of 5 percent per annum. The terms of the modification agreement required Glenn to

submit monthly payments until the note's maturity date of February 1, 2034.

{¶ 4} On July 26, 2011, JPMorgan filed a complaint in foreclosure. In its complaint,

JPMorgan alleged it was the holder of the note secured by the mortgage on the Brooke

Boulevard property and that the note had been defaulted on in the amount of $115,377.36,

together with interest at the rate of 5 percent per annum from March 1, 2011. JPMorgan

further alleged it had a valid lien on the property, subject only to any lien held by the Clinton

County Treasurer, and it sought to have the mortgage foreclosed, the property sold, and the

proceeds distributed. JPMorgan attached to its complaint copies of the note and mortgage,

as well as copies of certificates of merger detailing the merger of Chase Manhattan Mortgage

Corporation into Chase Home Finance LLC in January 2005 and Chase Home Finance LLC's

merger into JPMorgan in May 2011.

{¶ 5} Appellants filed an answer on August 10, 2011, and within their answer,

1. Pursuant to Loc.R. 6(A), we have sua sponte removed this appeal from the accelerated calendar.
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requested the case be sent to mediation. Following an unsuccessful attempt at mediation,

JPMorgan moved for summary judgment. In its motion, JPMorgan argued appellants were

delinquent in making payments on the note under the terms established in the Loan

Modification Agreement and that $115,377.36 plus interest was due and owed. In support of

its motion, JPMorgan attached the affidavit of Michael Brown, JPMorgan's Vice President. In

his affidavit, Brown averred, in relevant part, as follows:

(1) I am authorized to execute this affidavit on behalf of JPMorgan Chase
Bank, National Association * * *. The statements made in this Affidavit
are based on my personal knowledge.

***

(4) In my capacity as Vice President, I have access to [JPMorgan's]
business records, maintained in the ordinary course of regularly
conducted business activity, including the business records for and
relating to [Glenn Carroll's] loan. These records include the historic
records of Chase Home Finance LLC, which merged with [JPMorgan]
effective May 1, 2011. I make this affidavit based upon my review of
those records relating to [Glenn Carroll's] loan and from my own personal
knowledge of how they are kept and maintained. The loan records for
[Glenn Carroll] are maintained by [JPMorgan] in the course of its regularly
conducted business activities and are made at or near the time of the
event, by or from information transmitted by a person with knowledge.

(5) [JPMorgan's] business records that relate to [Glenn Carroll's] loan that
I reviewed and relied upon for the statements made in this Affidavit
include but are not limited to the Note, Mortgage and [JPMorgan's]
electronic servicing system. True and exact copies of the Note and
Mortgage are attached hereto.

(6) [JPMorgan's] records contain a Note executed by Glenn Carroll in the
amount of $127,000.00 secured by a Mortgage on a property located at
562 Brooke Boulevard, Wilmington, Ohio 45177. [JPMorgan] * * * holds
the Note and is the servicer for the loan. The loan was modified by an
agreement effective 08/01/2010.

(7) [Glenn Carroll] has defaulted under the terms of the Note and
Mortgage. [Glenn Carroll's] default on the Note and Mortgage has not
been cured, and the loan balance has been accelerated making the
entire balance due and owing in accordance with the terms of the loan
documents.

(8) As a result of [Glenn Carroll's] default, [Glenn Carroll] owes * * * the

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principal sum of $115,377.36 plus interest at 5.000% per annum from
03/01/2011 plus advances for taxes, insurance, and otherwise to protect
the property, if any.

Copies of the note, mortgage, and loan modification agreement were attached to Brown's

affidavit.

{¶ 6} In response to JPMorgan's motion for summary judgment, appellants sought

and were granted leave to file an amended answer. In their amended answer, appellants

asserted several affirmative defenses. Appellants argued JPMorgan lacked standing to bring

the lawsuit, could not produce the original mortgage documents, and had violated the Truth

In Lending Act (TILA), 15 U.S.C. 1601 et seq., the Real Estate Settlement Procedure Act

(RESPA), 12 U.S.C. 2601 et seq., and the Home Ownership Equity Protection Act (HOEPA),

15 U.S.C. 1639 et seq. Appellants argued these violations gave them the right to rescind the

transaction.

{¶ 7} Appellants also filed a memorandum in opposition to JPMorgan's motion for

summary judgment. In their memorandum in opposition, appellants argued that JPMorgan

was not a proper party to the lawsuit as "Mr. Carroll has never done any business with any

entity called 'JPMorgan'" and JPMorgan is "not the name of the bank with which Mr. Carroll

took out a mortgage." Appellants further argued they did not know "Michael Brown" and they

denied that Brown would have any personal knowledge about the note or mortgage. Finally,

appellants argued they were entitled to rescind the transaction as JPMorgan violated: (1)

TILA by failing to deliver to Glenn two copies of notice of the right to rescind, by failing to

properly and accurately disclose the amount financed, the finance charge, the total of

payments, the annual percentage rate, and the number, amounts and timing of payments

scheduled to repay the obligation, and by failing to clearly and accurately itemize the amount

financed; (2) RESPA by failing to provide the Housing and Urban Development special

information booklet, a Mortgage Servicing Disclosure Statement, and Good Faith Estimate of

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settlement/closing costs to appellants at the time of the loan application or within three days

thereafter, by failing to provide an annual Escrow Disclosure Statement for each year of the

mortgage since its inception, by giving or accepting fees, kickbacks or other things of value in

exchange for referrals of settlement service business and receiving unearned fees for

services not actually performed, and by charging a fee at the time of the loan closing for the

preparation of the truth-in-lending, uniform settlement, and escrow account statements; and

(3) HOEPA by failing to make proper disclosures and committing intentional predatory

lending by including prohibited terms. In support of their arguments, appellants attached an

affidavit from Glenn, in which he avers that JPMorgan has no standing to bring the

foreclosure lawsuit as it is "a complete stranger" who he has "never done any business with,"

Brown lacks personal knowledge about him or his mortgage as he "never met the man," and

JPMorgan failed to make disclosures necessary under TILA, RESPA, and HOEPA.

{¶ 8} In a reply brief, JPMorgan argued it had standing as the holder of the note and

mortgage. JPMorgan contended it was "essentially the original lender and mortgagee as it

was only through a series of mergers that the name of the original lender and mortgagee

changed from 'Chase Manhattan Mortgage Corporation' to [JPMorgan]," and it attached

copies of certificates of merger detailing the merger of Chase Manhattan Mortgage

Corporation into Chase Home Finance LLC and Chase Home Finance LLC's merger into

JPMorgan. It further argued Brown was a proper affiant pursuant to Evid.R. 803(6), and the

documents attached to its motion for summary judgment demonstrated that it was entitled to

judgment. Finally, JPMorgan argued TILA, HOEPA, and RESPA were inapplicable to the

action and any claims under the federal acts were barred by the acts' respective statutes of

limitations. In response, appellants argued their claims under TILA, HOEPA, and RESPA

were subject to equitable tolling, and therefore, remained valid defenses to the action.

{¶ 9} On February 22, 2013, the trial court issued a decision granting summary

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judgment to JPMorgan. The trial court found JPMorgan had standing to bring the action as it

was the holder of the note and mortgage by merger, Brown was a proper affiant with

knowledge relating to JPMorgan's business records, and appellants' affirmative defenses

were without merit as their claims under TILA, HOEPA, and RESPA were barred by three-

year statutes of limitations, which were not subject to equitable tolling. Finally, the court

found the evidence produced by JPMorgan demonstrated that Glenn had defaulted under the

terms of the note and mortgage, as modified by the loan modification agreement, by failing to

make his monthly installment payments, that the debt had been lawfully accelerated, and that

the total due on the note was the principal sum of $115,377.36 plus interest on the principal

amount at the rate of 5 percent per annum from March 1, 2011.

{¶ 10} On March 22, 2013, the trial court issued a Judgment Entry and Decree in

Foreclosure memorializing its decision to grant summary judgment to JPMorgan. Appellants

appeal from this entry, setting forth four assignments of error. For ease of discussion, we will

address appellants' third and fourth assignments of error together.

{¶ 11} Assignment of Error No. 1:

{¶ 12} GRANTING SUMMARY JUDGMENT WAS INAPPROPRIATE BECAUSE

[JPMORGAN] LACKS STANDING.

{¶ 13} In their first assignment of error, appellants contend the trial court improperly

awarded summary judgment to JPMorgan because it did not have standing to bring the

foreclosure lawsuit. Appellants contend that, as the note and mortgage were executed in

favor of Chase Manhattan Mortgage Corporation, JPMorgan was not a proper party to the

action, and therefore, did not have the right to seek enforcement of the note and mortgage.

We disagree.

{¶ 14} "Standing is a preliminary inquiry that must be made before a [trial] court may

consider the merits of a legal claim." Kincaid v. Erie Ins. Co., 128 Ohio St.3d 332, 2010-
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Ohio-6036, ¶ 9. Whether standing exists is a question of law that an appellate court reviews

de novo. Fifth Third Mtge. Co. v. Bell, 12th Dist. Madison No. CA2013-02-003, 2013-Ohio-

3678, ¶ 13.

{¶ 15} In a foreclosure action, the plaintiff must have standing at the time the

complaint is filed in order to invoke the jurisdiction of the common pleas court. Federal Home

Loan Mtge. Corp. v. Schwartzwald, 134 Ohio St.3d 13, 2012-Ohio-5017, ¶ 24-25. "It is an

elementary concept of law that a party lacks standing to invoke the jurisdiction of the court

unless he has, in an individual or representative capacity, some real interest in the subject

matter of the action." (Emphasis sic.) Id. at ¶ 22. "[A] party may establish that it is the real

party in interest with standing to invoke the jurisdiction of the common pleas court when, 'at

the time it files its complaint of foreclosure, it either (1) has had a mortgage assigned or (2) is

the holder of the note." (Emphasis sic.) Bank of New York Mellon v. Burke, 12th Dist. Butler

No. CA2012-12-245, 2013-Ohio-2860, ¶ 13, quoting CitiMortgage, Inc. v. Patterson, 8th Dist.

Cuyahoga No. 98360, 2012-Ohio-5894, ¶ 21. See also Schwartzwald at ¶ 28; Self Help

Ventures Fund v. Jones, 11th Dist. Ashtabula No. 2012-A-0014, 2013-Ohio-868, ¶ 17.

{¶ 16} The documents attached to JPMorgan's complaint and the evidence attached in

support of JPMorgan's motion for summary judgment establish that JPMorgan had an

interest in both the note and mortgage at the time the complaint was filed. JPMorgan

became the real party in interest as a result of merger.

{¶ 17} When a merger between two companies occurs, one of those companies

ceases to exist. "[A] merger involves the absorption of one company by another, the latter

retaining its own name and identity, and acquiring the assets, liabilities, franchises and

powers of the former. Of necessity, the absorbed company ceases to exist as a separate

business entity." Morris v. Invest. Life Ins. Co., 27 Ohio St.2d 26, 31 (1971). "[T]he

absorbed company becomes a part of the resulting company following merger [and] the
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merged company has the ability to enforce * * * agreements as if the resulting company had

stepped in the shoes of the absorbed company." Acordia of Ohio, L.L.C. v. Fishel, 133 Ohio

St.3d 356, 2012-Ohio-4648, ¶ 6; Fidelity Tax, L.L.C. v. Hall, 10th Dist. Franklin No. 12AP-

923, 2013-Ohio-3165, ¶ 18. Once "an existing bank takes the place of another bank after a

merger, no further action is necessary" to become a real party in interest. Huntington Natl.

Bank v. Hoffer, 2d Dist. Greene No. 2010-CA-31, 2011-Ohio-242, ¶ 15.

{¶ 18} In the present case, JPMorgan produced copies of certificates of merger

confirming the merger of the original mortgagee on the note and mortgage, Chase Manhattan

Mortgage Corporation, with another bank, Chase Home Finance LLC, in January 2005, and

then Chase Home Finance LLC's subsequent merger with JPMorgan in May 2011.2 These

documents demonstrate JPMorgan succeeded to all the rights and obligations of Chase

Manhattan Mortgage Corporation under the note and the mortgage that Glenn had executed.

Appellants failed to present evidence rebutting the evidence of merger. As such, we find

JPMorgan had standing to assert its rights under the note and mortgage at the time the

foreclosure complaint was filed.

{¶ 19} Appellants' first assignment of error is, therefore, overruled.

{¶ 20} Assignment of Error No. 2:

{¶ 21} DISPUTED FACTS MADE GRANTING [JPMORGAN'S] SUMMARY

JUDGMENT IMPROPER.

{¶ 22} In their second assignment of error, appellants argue summary judgment was

improper as genuine issues of material fact exist regarding Brown's alleged "personal

knowledge" about the note and mortgage executed by Glenn. Appellants essentially assert

2. The certificates of merger, which were filed with the Delaware Secretary of State's Office, are signed by the
Delaware Secretary of State and include the seal of the office. As such, the certificates of merger are admissible
as evidence pursuant to Evid.R. 803(8) and Evid.R. 902. See SFJV 2005, L.L.C. v. Ream, 187 Ohio App.3d 715,
2010-Ohio-1615, ¶ 51 (2d Dist.).
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that Brown cannot have personal knowledge about Glenn's interactions with JPMorgan, or its

predecessor entities, as Glenn has never personally met Brown. In support of their

argument, appellants rely on Glenn's affidavit, in which he attests as follows:

I do not know this "Michael Brown" and he has never met me. I
deny that he has any personal knowledge about me or my
mortgage. Mr. Brown attests * * * that he has "personal
knowledge" about me and my mortgage; I disagree, and, having
never met the man, cannot imagine how he could ever have
come to have such personal knowledge.

{¶ 23} This court's review of a trial court's ruling on a motion for summary judgment is

de novo. Grizinski v. Am. Express Fin. Advisors, Inc., 187 Ohio App.3d 393, 2010-Ohio-

1945, ¶ 14 (12th Dist.). "De novo review means that this court uses the same standard that

the trial court should have used, and we examine the evidence to determine whether as a

matter of law no genuine issues exist for trial." Morris v. Dobbins Nursing Home, 12th Dist.

Clermont No. CA2010-12-102, 2011-Ohio-3014, ¶ 14, citing Brewer v. Cleveland Bd. of Edn.,

122 Ohio App.3d 378, 383 (8th Dist.1997). Summary judgment is appropriate when there

are no genuine issues of material fact to be litigated, the moving party is entitled to judgment

as a matter of law, and reasonable minds can come to only one conclusion, and that

conclusion is adverse to the nonmoving party. Civ.R. 56(C); U.S. Bank v. Fitzgerrel, 12th

Dist. Clermont No. CA2011-09-063, 2012-Ohio-4522, ¶ 10.

{¶ 24} To prevail on a motion for summary judgment, the moving party must be able to

point to evidentiary materials that show there is no genuine issue as to any material fact and

that the moving party is entitled to judgment as a matter of law. Dresher v. Burt, 75 Ohio

St.3d 280, 293 (1996). The nonmoving party must then present evidence that some issue of

material fact remains to be resolved. Id. "A dispute of fact can only be considered 'material'

if it affects the outcome of the litigation." Fitzgerrel at ¶ 11.

{¶ 25} After reviewing the record, including the exhibits and affidavit attached to

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JPMorgan's motion for summary judgment, we find JPMorgan has established its right to

relief in foreclosure as a result of Glenn's default in payment under the terms of the note.

The fact that appellants have never personally met Brown is immaterial as Brown's affidavit

comports with the requirements of Civ.R. 56(E). Brown's statements were based on personal

knowledge developed from his position as JPMorgan's vice president. Brown's affidavit

demonstrated he was competent to testify about the subject note and mortgage as he

reviewed the historic records of Chase Home Finance LLC and the business records relating

to Glenn's loan, including the note, mortgage, and loan modification agreement, all of which

were kept in the ordinary course of regularly conducted business activity and were admissible

pursuant to Evid.R. 803(6). See Cent. Mtge. Co. v. Bonner, 12th Dist. Butler No. CA2012-10-

204, 2013-Ohio-3876, ¶ 13-18 (finding that Evid.R. 803[6] permits an entity that did not

create the business records to admit the business records of a predecessor entity when all

other requirements of Evid.R. 803[6] are met and circumstances indicate the records are

trustworthy).

{¶ 26} Appellants' bald assertions that they "do not know" Brown, that JPMorgan is "a

complete stranger" to them, and that they "deny owing" JPMorgan "anything" are insufficient

to overcome the evidence presented by JPMorgan. The fact that such assertions are

couched in an affidavit by Glenn is also insufficient to overcome JPMorgan's evidence. "[I]t is

well-established that a 'party's unsupported and self-serving assertions, offered by way of

affidavit, standing alone and without corroborating materials under Civ.R. 56, will not be

sufficient to demonstrate material issues of fact.'" Hillstreet Fund III, L.P. v. Bloom, 12th Dist.

Butler No. CA2009-07-178, 2010-Ohio-2961, ¶ 10, quoting TJX Cos., Inc. v. Hall, 183 Ohio

App.3d 236, 2009-Ohio-3372, ¶ 30 (8th Dist.). To hold otherwise would necessarily abrogate

the utility of the summary judgment exercise and allow appellants, as the nonmoving party, to

avoid summary judgment "by simply submitting * * * a self-serving affidavit containing nothing
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more than bare contradictions of the evidence offered by the moving party." Id., citing Pavlik

v. Cleveland, 8th Dist. Cuyahoga No. 92176, 2009-Ohio-3073, ¶ 21.

{¶ 27} Appellants failed to present evidence demonstrating that a genuine issue of

material fact existed or that JPMorgan was not entitled to relief as a matter of law. The

evidence presented established JPMorgan's right to relief in foreclosure as a result of Glenn's

default in payment under the terms of the note.

{¶ 28} Appellants' second assignment of error is, therefore, overruled.

{¶ 29} Assignment of Error No. 3:

{¶ 30} APPELLANTS' AFFIRMATIVE DEFENSES ALSO MADE GRANTING

[JPMORGAN'S] SUMMARY JUDGMENT IMPROPER.

{¶ 31} Assignment of Error No. 4:

{¶ 32} APPELLANTS' [SIC] WERE ENTITLED TO EQUITABLE TOLLING FOR

AFFIRMATIVE DEFENSES PRESENTED UNDER THE TRUTH IN LENDING ACT (TILA),

THE HOME OWNERSHIP EQUITY PROTECTION ACT (HOEPA), AND THE REAL ESTATE

SALES PRACTICES ACT (RESPA).

{¶ 33} In their third and fourth assignments of error, appellants argue summary

judgment should not have been granted to JPMorgan as appellants demonstrated their right

to rescind the transaction under TILA, HOEPA, and RESPA. In making this argument,

appellants assert they were entitled to have the statute of limitations governing their claims

under the federal acts tolled because "[t]hey lacked any actual notice of the filing

requirements under TILA, HOEPA, and RESPA." Appellants contend "[i]t was up to

JPMorgan * * * to notify the Carrolls of their rights, and JPMorgan * * * failed to do so."

{¶ 34} We find appellants' defenses and claims arising out of TILA, HOEPA, and

RESPA are barred by the statutes of limitations applying to such actions. Depending upon

the allegation and remedy sought, the statutes of limitations governing such claims are either
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one year or three years. See Wells Fargo Bank, N.A. v. Sessley, 188 Ohio App.3d 213,

2010-Ohio-2902, ¶ 24 (10th Dist.); Steel Valley Bank, N.A. v. Tuckosh, 7th Dist. No. 04 HA

566, 2004-Ohio-4907, ¶ 31; 15 U.S.C. 1640(e); 12 U.S.C. 2614. Based on appellants'

allegations, JPMorgan's predecessor violated these statutes during or before the January

2004 closing. As a result, the latest appellants could have raised these claims would have

been in January 2007. Appellants did not raise their TILA, HOEPA, and RESPA claims until

July 2012, long after the applicable statutes of limitations had expired.

{¶ 35} Appellants' argument that they are entitled to equitable tolling is without merit.

For equitable tolling to apply, appellants must show "not only that [they] exercised due

diligence to discover [their] cause of action prior to the running of the statute, but also that the

[appellee] was guilty of some affirmative act of fraudulent concealment which frustrated

discovery notwithstanding such diligence." Trimm v. Fifth Third Mtg. Co., N.D.Ohio No.

3:10CV1602, 2010 WL 3515596, *3 (Sept. 3, 2010). See also Ignash v. First Serv. Fed.

Credit Union, 10th Dist. Franklin No. 01AP-1326, 2002-Ohio-4395, ¶ 12 (holding that the

statute of limitations governing a TILA claim can be tolled where the borrower can show that

the plaintiff-bank engaged in a course of conduct to conceal evidence of the alleged

wrongdoing and the borrower failed to discover the facts giving rise to the claim despite the

exercise of due diligence). In determining whether equitable tolling is appropriate, the

following five factors should be considered: "(1) lack of notice of the filing requirement, (2)

lack of constructive knowledge of the filing requirement, (3) diligence in pursuing one's rights,

(4) absence of prejudice to the [opposing party], and (5) the [borrower's] reasonableness in

remaining ignorant of the particular legal requirement." Trimm at *3, citing Truitt v. County of

Wayne, 148 F.3d 644, 648 (6th Cir.1998); see also Stevens v. Ohio Dept. of Mental Health,

10th Dist. Franklin No. 12AP-1015, 2013-Ohio-3014, ¶ 19 (applying the above five factors to

determine if a plaintiff's claim under the Americans with Disabilities Act was equitably tolled
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beyond the 90-day statute of limitations).

{¶ 36} Here, appellants assert they are entitled to have the statutes of limitations tolled

for their TILA, HOEPA, and RESPA claims without giving any explanation as to how or why

the doctrine of equitable tolling actually apply in this case. "[G]eneral references to equitable

tolling without any explanation as to how it applies to the instant matter are insufficient to

create genuine issues of material fact." Sessley, 2010-Ohio-2902 at ¶ 24. Furthermore,

appellants failed to allege they were incapable of learning about JPMorgan's purportedly

fraudulent conduct prior to being sued for foreclosure. Nor did appellants submit evidence

demonstrating they acted with due diligence in pursuing their rights under TILA, HOEPA, or

RESPA. Equitable tolling is, therefore, improper.

{¶ 37} As equitable tolling is not applicable to appellants' TILA, HOEPA, and RESPA

claims, these claims are barred by the applicable statutes of limitations. Accordingly,

appellants' TILA, HOEPA, and RESPA claims fail to present any genuine issues of material

fact that would prevent judgment from being entered in JPMorgan's favor.

{¶ 38} Appellants' third and fourth assignments of error are, therefore, overruled.

{¶ 39} Judgment affirmed.

S. POWELL and M. POWELL, JJ., concur.

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