NOT RECOMMENDED FOR PUBLICATION
File Name: 15a0586n.06
No. 14-4097
UNITED STATES COURT OF APPEALS
FOR THE SIXTH CIRCUIT
FILED
JUDY MAE FILLINGER, ) Aug 17, 2015
) DEBORAH S. HUNT, Clerk
Plaintiff-Appellant, )
)
v. )
ON APPEAL FROM THE
)
UNITED STATES DISTRICT
LERNER SAMPSON & ROTHFUSS; MORGAN )
COURT FOR THE
STANLEY CREDIT CORPORATION; HSBC )
NORTHERN DISTRICT OF
BANK USA, NA; CENLAR FEDERAL SAVINGS )
OHIO
BANK, )
)
Defendants-Appellees. )
BEFORE: BATCHELDER and STRANCH, Circuit Judges; HOOD, District Judge*
ALICE M. BATCHELDER, Circuit Judge. In 2013, Judy Mae Fillinger brought
multiple claims under the Fair Debt Collection Practices Act (“FDCPA”) against four defendants
for conduct that occurred in 2008 through 2010. Although admitting that her claims were
facially barred by the FDCPA’s one-year statute of limitations, she argued that the statute should
be equitably tolled because the four defendants fraudulently concealed the existence of a
creditor. The four defendants filed a Rule 12(b)(6) motion to dismiss, which the district court
granted. Because we hold that Fillinger has not adequately pleaded fraudulent concealment even
if we were to recognize equitable tolling under the FDCPA, we AFFIRM the dismissal of her
claims.
*
The Honorable Denise Page Hood, United States District Judge for the Eastern District of Michigan, sitting by
designation.
No. 14-4097
Fillinger v. Lerner, Sampson & Rothfuss, et al.
I.
Because this case is before us on a Federal Rule of Civil Procedure 12(b)(6) motion to
dismiss, we accept the well-pleaded facts in Fillinger’s complaint as true. In 2003, Fillinger
signed a note and executed a mortgage to refinance her principal residence. That year,
unbeknownst to Fillinger, the mortgagee sold the note to a Sequoia Mortgage trust (“the Trust”)
whose trustee was HSBC Bank USA, NA (“HSBC”). Then, in August 2008 Fillinger received a
letter from Cenlar Federal Savings Bank (“Cenlar”) notifying her that she was in default of her
July 2008 payment. One month later, she received another letter from Cenlar notifying her that
she had defaulted on her obligations under the note and mortgage. Both letters were written on
the stationery masthead of Morgan Stanley Credit Corporation (“Morgan Stanley”) and were sent
from Cenlar as “the duly appointed and authorized loan sub-servicer for Morgan Stanley Credit
Corporation.”
It was not until December 2008, however, that the mortgage was assigned to Morgan
Stanley. And it was only in July 2009 that Cenlar requested the note and the note was endorsed
to Morgan Stanley. Lerner Sampson & Rothfuss (“LSR”), on behalf of Morgan Stanley, then
filed a foreclosure suit against Fillinger in Ohio state court. Fillinger pleaded that an entity other
than Morgan Stanley held the debt, but the trial court rejected her argument. The court granted
judgment to Morgan Stanley and executed the mortgage by sheriff’s sale. In December 2012,
Morgan Stanley assigned its bid in the sheriff’s sale to the Trust. This was the “first reliable
information Fillinger had of the identity of the FDCPA creditor, the Trust.”
Now armed with the knowledge that her suspicions had been correct and the Trust, not
Morgan Stanley, had been the creditor of the debt at the time of her default in September 2008,
Fillinger brought suit in federal district court under the FDCPA against HSBC, Cenlar, Morgan
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Fillinger v. Lerner, Sampson & Rothfuss, et al.
Stanley, and LSR. She contended that because the Trust owned the debt at the time of default, it
was the creditor of the debt under 15 U.S.C. § 1692a(4). And Morgan Stanley was a debt
collector under 15 U.S.C. §§ 1692a(4) and 1692a(6) because the debt was then assigned to
Morgan Stanley and Morgan Stanley attempted to collect the debt. Similarly, because Cenlar
sent letters to Fillinger on behalf of Morgan Stanley and LSR initiated the lawsuit against
Fillinger on behalf of Morgan Stanley—both actions taking place after the default—they were
debt collectors pursuant to 15 U.S.C. § 1692a(6). Finally, she argued that HSBC was a debt
collector because it used the name of Morgan Stanley rather than its own to collect on the debt,
pursuant to “a frequent practice of the mortgage industry wherein the creditor tries to collect on
its note and mortgage without revealing itself as creditor by having the servicer or servicer’s
banking affiliate collect as if the creditor.” She then argued that each entity’s actions violated
two provisions of the FDCPA: (1) by failing to inform her “within five days after the initial
communication” of the name of the creditor to whom the debt was owed pursuant to 15 U.S.C. §
1692g(a)(2), and (2) by taking or threatening to take “nonjudicial action to effect dispossession
or disablement of property” through various actions prior to and including the foreclosure action
pursuant to 15 U.S.C. § 1692f(6). She also alleged that Cenlar violated 15 U.S.C. § 1692(14) by
using Morgan Stanley stationery.
Although Fillinger admitted in her complaint that the one-year FDCPA statute of
limitations facially barred her claims, she contended that fraudulent concealment of the Trust’s
creditor role equitably tolled the statute. It was only when the sheriff’s sale confirmed the
Trust’s existence in 2012, she argued, that she knew that the four defendants had been debt
collectors—not creditors themselves—and thus might have run afoul of the FDCPA. Once she
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No. 14-4097
Fillinger v. Lerner, Sampson & Rothfuss, et al.
discovered she had a cause of action, she timely filed a suit four months after the sheriff’s sale,
well within the statute of limitations if the statute were tolled.
Raising the defenses of statute of limitations and res judicata, and arguing failure to state
a claim, the four defendants filed motions to dismiss pursuant to Federal Rule of Civil Procedure
12(b)(6). The district court granted the motions to dismiss, holding that Fillinger had failed to
state a claim. Fillinger timely appealed.
II.
We review de novo the district court’s order granting a Federal Rule of Civil Procedure
12(b)(6) motion to dismiss. D’Ambrosio v. Marino, 747 F.3d 378, 383 (6th Cir. 2014).
Although the district court noted the time-bar issue but did not rule on that ground, “[w]e may
affirm the district court’s dismissal of a plaintiff’s claims on any grounds, including grounds not
relied upon by the district court.” Hensley Mfg. v. ProPride Inc., 579 F.3d 603, 609 (6th Cir.
2009). Convinced that Fillinger’s claims are time barred, we affirm on that ground.
The FDCPA has a one-year statute of limitations. See 15 U.S.C. § 1692k(d). The statute
runs “from the date on which the violation occurs.” Id. Facially, Fillinger’s claims fall outside
of the one-year limitations period. Her claims under § 1692g(a)(2) are tied to the “initial
communications,” meaning that the statute would have begun to run five days after the letters
had been sent and the defendants had not followed up with information on the creditor—
sometime in 2008. Similarly, her claims under § 1692f(6) were premised on actions preceding
and including the filing of the foreclosure suit, which took place on September 16, 2010. See
Morgan Stanley Credit Corp. v. Fillinger, 979 N.E.2d 362, 364–65 (Ohio Ct. App. 2012). Any
viable complaints under this section thus would have been untimely in September 2011.
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No. 14-4097
Fillinger v. Lerner, Sampson & Rothfuss, et al.
Because Fillinger did not file her lawsuit until 2013, both categories of claims are facially
untimely.
Fillinger argues, however, that the statute of limitations “was equitably tolled by the
fraudulent concealment of the party defendants.” “The general rule is that we will not extend the
statute of limitations by even a single day.” Ruth v. Unifund CCR Partners, 604 F.3d 908, 910
(internal quotation marks omitted). Although some courts allow equitable tolling of the FDCPA
statute of limitations, see Magnum v. Action Collection Serv., Inc., 575 F.3d 935, 939–41 (9th
Cir. 2009), we have specifically left for another day the question of whether the FDCPA permits
equitable tolling, Ruth, 604 F.3d at 914. We find no reason to answer that question today,
because even if we were to allow equitable tolling of the FDCPA statute of limitations, Fillinger
has not adequately pleaded fraudulent concealment.
“The doctrine of fraudulent concealment allows equitable tolling of the statute of
limitations where 1) the defendant concealed the underlying conduct, 2) the plaintiff was
prevented from discovering the cause of action by that concealment, and 3) the plaintiff
exercised due diligence to discover the cause of action.” Huntsman v. Perry Local Sch. Bd. of
Educ., 379 F. App’x 456, 461 (6th Cir. 2010) (citing Pinney Dock & Transp. Co. v. Penn Cent.
Corp., 838 F.2d 1445, 1465 (6th Cir. 1988)). Fillinger’s complaint fails at the first step.
Although she uses the term “fraudulent concealment,” that alone is not enough because, when
alleging fraud, “a party must state with particularity the circumstances constituting” the fraud.
Fed. R. Civ. P. 9(b). Nor are her accusations of each party’s failing to inform her of the identity
of the creditor enough. “Concealment by mere silence is not enough. There must be some trick
or contrivance intended to exclude suspicion and prevent inquiry.” Pinney Dock, 838 F.2d at
1467 (internal quotation marks omitted). Fillinger cannot plead fraudulent concealment on the
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No. 14-4097
Fillinger v. Lerner, Sampson & Rothfuss, et al.
theory that the four defendants kept silent about the existence of the creditor. In reality, the only
reference that goes beyond “mere silence” is a passing mention that Morgan Stanley “actively
conceal[ed] the interest of the Trust from the inquiries of Plaintiff.” “To plead fraud with
particularity, the plaintiff must allege (1) the time, place, and content of the alleged
misrepresentation, (2) the fraudulent scheme, (3) the defendant’s fraudulent intent, and (4) the
resulting injury.” Chesbrough v. VPA, P.C., 655 F.3d 461, 467 (6th Cir. 2011) (internal
quotation marks omitted). Fillinger’s conclusory reference to active concealment does not meet
this standard.1
In sum, even assuming that the FDCPA statute of limitations allows equitable tolling,
Fillinger’s claims would still be time barred because she did not plead fraudulent concealment
with particularity. Without fraudulent concealment, she is not entitled to equitable tolling, and
her claims were untimely. Because her claims are time barred, dismissal of her complaint was
appropriate.
III.
For the foregoing reasons, we AFFIRM the district court’s order granting the 12(b)(6)
motion to dismiss.
1
The only allegation of her complaint that could possibly be interpreted as “active concealment” concerns an entirely
different trust. She pleaded that during the foreclosure action she had contended that “a Redwood Trust rather than
Morgan Stanley held the debt” but that she was “unsuccessful” in identifying the Redwood Trust as the owner of the
note and mortgage despite repeated attempts. The Trust that she now contends was the FDCPA creditor was a
Sequoia Mortgage trust, and thus any “concealment” of the Redwood Trust would be irrelevant to her FDCPA
claims.
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