Ditech Fin., L.L.C. v. Ebbing

[Cite as Ditech Fin., L.L.C. v. Ebbing, 2019-Ohio-2077.]

IN THE COURT OF APPEALS

TWELFTH APPELLATE DISTRICT OF OHIO

BUTLER COUNTY

DITECH FINANCIAL LLC, et al., :

Appellees, : CASE NO. CA2018-09-182

: OPINION
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:

SAMANTHA JO EBBING, :

Appellant. :

CIVIL APPEAL FROM BUTLER COUNTY COURT OF COMMON PLEAS
Case No. CV2017 08 1877

Lerner, Sampson & Rothfuss, Rick D. DeBlasis, William P. Leaman, 120 East Fourth Street,
Suite 800, Cincinnati, Ohio 45202, for appellee, Ditech Financial, LLC

McGlinchey Stafford, Stefanie L. Deka, Brian T. Kostura, 340 Tuttle Road, Suite 200,
Cleveland, Ohio 44122, for appellee, Bank of New York Mellon

Samantha Jo Ebbing, 3800 Princeton Road, Hamilton, Ohio 45011, appellant, pro se

S. POWELL, J.

{¶ 1} Appellant, Samantha Jo Ebbing, appeals the decision of the Butler County

Court of Common Pleas granting summary judgment to appellee, Ditech Financial, LLC

("Ditech"). For the reasons outlined below, we affirm the trial court's decision.
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Facts and Procedural History

{¶ 2} On January 29, 2001, Jennette E. Weik executed a promissory note in favor

of America's Wholesale Lender ("America's Wholesale") in the amount of $75,200. Weik

executed the note in order to purchase a home located at 1001 Hayes Avenue, Hamilton,

Butler County, Ohio. The note executed by Weik was endorsed in blank by America's

Wholesale and secured by a mortgage on the subject property by Mortgage Electronic

Registration Systems, Inc. ("MERS"), as nominee for America's Wholesale, its successors,

and assigns.

{¶ 3} During the early months of 2017, Weik, who is now deceased, defaulted on

the note, thereby triggering the acceleration clause provided therein. The record indicates

the note had an unpaid balance of $53,480.94 plus interest at a rate of 6.75% as of

November 1, 2016. The record also indicates that following Weik's death Ebbing became

the subject property's titleholder. Ebbing remained the titleholder to the property at all times

relevant.

{¶ 4} On August 3, 2017, MERS, as nominee for America's Wholesale, assigned

the mortgage to Ditech. Two weeks later, on August 17, 2017, Ditech filed a complaint in

foreclosure. Due to her status as the titleholder to the property, Ebbing was named as a

defendant. Ditech also named as defendant, appellee, The Bank of New York Mellon fka

The Bank of New York as Successor Indenture Trustee to JPMorgan Chase Bank, N.A., as

Indenture Trustee for the CWABS Revolving Home Equity Loan Trust, Series 2004-E

("Bank of New York Mellon"), "by virtue of a mortgage from Jeannette E. Weik, filed for

record on September 15, 2003[.]"

{¶ 5} On August 25, 2017, Bank of New York Mellon was served with Ditech's

complaint via certified mail. Six days later, on September 1, 2017, Ebbing was also served

with Ditech's complaint via certified mail. The certified mailing was sent to Ebbing's home

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address; "3800 Princeton Road, Hamilton, OH 45011." The record indicates this is the

same address that Ebbing used on all of her filings with both the trial court and this court

on appeal.

{¶ 6} On September 12, 2017, Bank of New York Mellon filed an answer to Ditech's

complaint. In its answer, Bank of New York Mellon acknowledged that it had an interest in

the subject property resulting from the mortgage described in the complaint. Due to its

status as mortgagee, there is no dispute that Bank of New York Mellon's interest in the

subject property rendered it a junior lienholder to that of Ditech.

{¶ 7} On September 19, 2017, Ebbing moved the trial court to dismiss Ditech's

complaint. Relying primarily on Civ.R. 12(B)(6), Ebbing argued Ditech's complaint must be

dismissed because Ditech was "not the party in interest or lender" identified on the note

executed by Weik and endorsed in blank by America's Wholesale. Ebbing also argued that

Ditech's complaint should be dismissed because neither Ditech nor America's Wholesale

provided her with "notice of demand or default[.]"

{¶ 8} On September 28, 2017, Ditech moved the trial court for leave to file an

amended complaint. Ditech sought to amend the complaint to add certain necessary parties

to the foreclosure action. The trial court granted Ditech's motion on October 18, 2017.

Ditech filed its amended complaint later that same day. It is undisputed that Ditech's

amended complaint neither changed the original causes of action nor added any additional

causes of action as it relates to either Ebbing or Bank of New York Mellon.

{¶ 9} On November 22, 2017, Ebbing moved the trial court to dismiss Ditech's

amended complaint. In support, Ebbing asserted the same Civ.R. 12(B)(6) arguments

raised as part of her original motion to dismiss. Ebbing also moved the trial court for a more

definite statement pursuant to Civ.R. 12(E). And, without any supporting authority, Ebbing

further requested the trial court strike "the third-party blank indorsement" on the note.

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{¶ 10} On December 13, 2017, the trial court issued a decision denying each of

Ebbing's three motions. In so holding, the trial court found Ditech set forth sufficient

allegations "to state a claim for foreclosure both as a holder of the note and as an assignee

of the mortgage" to overcome Ebbing's Civ.R. 12(B)(6) motion to dismiss. The trial court

also found that Ditech's allegations were not vague or ambiguous, thereby alleviating the

need for a more definite statement as provided by Civ.R. 12(E). Finally, as it relates to

Ebbing's motion to strike, the trial court found Ebbing had "provided no authority or other

argument in support of the remedy she seeks and the Court can find no basis on which to

strike the endorsement." The trial court's decision concludes by noting that a copy of the

decision was sent to Ebbing at her home address; "3800 Princeton Road, Hamilton, OH

45011."

{¶ 11} On April 26, 2018, Ditech moved for summary judgment against both Ebbing

and Bank of New York Mellon. In support of its motion, Ditech included an affidavit and

several accompanying exhibits. The affidavit and exhibits provided evidence that Ditech

was both the holder of the note and the assignee of the mortgage at the time both its original

and amended complaints were filed. This, as Ditech alleged, entitled it to enforce the note

and mortgage and foreclose on the subject property now owned by Ebbing.

{¶ 12} On May 18, 2018, Ebbing filed a memorandum in opposition to Ditech's

motion for summary judgment. Rather than providing evidence establishing a genuine

issue of material fact, Ebbing's memorandum merely requested the trial court deny Ditech's

motion because she "was never served notice of or served" with the trial court's December

13, 2017 decision. Therefore, according to Ebbing, Ditech's motion for summary judgment

should be denied because she was "unaware to give her responsive pleading."

{¶ 13} That same day, Ebbing also filed a pleading entitled "Verified Answer;

Counterclaims; and, Cross-claims." The pleading set forth Ebbing's answer to Ditech's

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amended complaint, ten affirmative defenses, and two "counterclaims" against both Ditech

and Bank of New York Mellon. The "counterclaims" raised by Ebbing moved the trial court

to order both parties to "cancel of record" their respective mortgages against the subject

property. Ebbing also moved the trial court to order both Ditech and Bank of New York

Mellon to pay her $250 in damages in accordance with R.C. 5301.36(C).1 Ebbing attached

to her pleading a 63-page affidavit and 13 additional exhibits, including several original

mortgage documents executed by the now deceased Weik.

{¶ 14} On June 18, 2018, Ditech moved the trial court to strike Ebbing's pleading in

accordance with Civ.R. 12(F). Pursuant to that rule, a trial court "may order stricken from

any pleading an insufficient claim or defense or any redundant, immaterial, impertinent or

scandalous matter." In support of its motion, Ditech argued Ebbing's pleading should be

stricken because it was untimely and filed without leave. Approximately three weeks later,

on July 11, 2018, Ebbing moved the trial court for additional time to "serve" her answer and

"counterclaims" on Ditech and Bank of New York Mellon. Ebbing's motion also requested

the trial court "order the period enlarged" to allow her to file her pleading untimely.

{¶ 15} On July 13, 2018, the trial court denied Ebbing's motion for leave. In so

holding, the trial court stated, in pertinent part, the following:

[T]his case is a month shy of a year old. The Court denied
Ebbing's motion to dismiss on December 13, 2017. Ebbing
waited seven months to request leave to file her answer,
counterclaim and cross-claim out of time. The Court notes that
Ebbing was at least aware of the December 13, 2017 decision
back on May 18, 2018, when she filed her pleadings, as she
referenced such in her memorandum opposing summary
judgment filed that same day. Yet, she still did not request leave
to plead out of time until July 11, 2018. Under these
circumstances, the Court cannot find excusable neglect that

1. Pursuant to R.C. 5301.36(C), the mortgagor may recover $250 from the mortgagee if the mortgagee fails
to comply with the requirements of R.C. 5301.36(B). R.C. 5301.36(B) requires that, "within ninety days from
the date of the satisfaction of a mortgage, the mortgagee shall record a release of the mortgage evidencing
the fact of its satisfaction in the appropriate county recorder's office and pay any fees required for the
recording."
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warrants extending the pleading stage of this case beyond the
one-year mark.

The trial court then concluded by noting Ebbing's pleading would be stricken from the record

and "be treated as a nullity." The trial court's decision also contains a note that a copy of

the decision was sent to Ebbing at her home address; "3800 Princeton Road, Hamilton, OH

45011."

{¶ 16} Later that day, the trial court issued a decision and entry granting Ditech's

motion for summary judgment. The trial court issued its decision upon finding Ditech

provided sufficient evidence to meet its burden establishing the essential elements

necessary to prevail in a foreclosure action; namely, execution and delivery of the note and

mortgage, valid recording of the mortgage, its status as the current holder of the note and

assignee of the mortgage, default, and the amount then due and owing. The trial court's

decision likewise contains a note that a copy of the decision was sent to Ebbing at her home

address; "3800 Princeton Road, Hamilton, OH 45011."

Appeal

{¶ 17} Ebbing now appeals the trial court's decision granting Ditech's motion for

summary judgment, raising three assignments of error for review. Prior to addressing the

merits of her appeal, however, we note that Ebbing was acting pro se in the proceedings

below. Ebbing also appears pro se in the proceedings before this court. While we

understand that Ebbing is not an attorney, it is well-established that the law does not afford

pro se litigants greater rights and they must accept the results of their own mistakes and

errors. Milton v. Pierce, 12th Dist. Clermont No. CA2016-03-013, 2017-Ohio-330, ¶ 23;

Countrywide Home Loans, Inc. v. Reece, 12th Dist. Warren No. CA2010-08-078, 2011-

Ohio-541, ¶ 12 ("although she is appearing pro se in this appeal [appellant] is nevertheless

bound by the same rules and procedures as licensed attorneys").

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{¶ 18} It is also well-established that "[p]ro se litigants are expected, as attorneys

are, to abide by the relevant rules of procedure and substantive laws, regardless of their

familiarity with them." Bamba v. Derkson, 12th Dist. Warren No. CA2006-10-125, 2007-

Ohio-5192, ¶ 14. And, because the burden of affirmatively demonstrating error on appeal

falls squarely upon Ebbing as the appellant, we will not conjure up questions that were

never squarely asked, "root out" arguments that can support her contentions, or construct

full-blown claims from convoluted reasoning. Everbank Mortg. Co. v. Sparks, 12th Dist.

Warren No. CA2011-03-021, 2012-Ohio-886, ¶ 8. This is because an appellate court is not

a "performing bear" required to dance to each and every tune played on appeal. Ebbing v.

Lawhorn, 12th Dist. Butler No. CA2011-07-125, 2012-Ohio-3200, ¶ 31.

{¶ 19} Assignment of Error No. 1:

{¶ 20} THE TRIAL COURT ERRED IN DEROGATION OF LAW IN DENYING

APPELLANT'S MOTION TO DISMISS AS PLAINTIFF LACKS STANDING WITHOUT

EVINCING ALL STATUTORY REQUIREMENTS PRECEDENT TO INVOKING THE

JURISDICTION OF THE COURT.

{¶ 21} In her first assignment of error, Ebbing argues the trial court erred by denying

her Civ.R. 12(B)(6) motion to dismiss. We disagree.

{¶ 22} Civ.R. 12(B)(6) authorizes the dismissal of a complaint if it fails to state a claim

upon which relief can be granted. Ebbing v. Stewart, 12th Dist. Butler No. CA2016-05-085,

2016-Ohio-7645, ¶ 11, citing Marchetti v. Blankenburg, 12th Dist. Butler No. CA2010-09-

232, 2011-Ohio-2212, ¶ 9. "[W]hen a party files a motion to dismiss for failure to state a

claim, all the factual allegations of the complaint must be taken as true and all reasonable

inferences must be drawn in favor of the nonmoving party." Byrd v. Faber, 57 Ohio St.3d

56, 60 (1991). "In order for a trial court to dismiss a complaint under Civ.R. 12(B)(6), it must

appear beyond a reasonable doubt from the complaint that the plaintiff can prove no set of

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facts entitling him [or her] to recovery." Buckner v. Bank of N.Y., 12th Dist. Clermont No.

CA2013-07-053, 2014-Ohio-568, ¶ 13, citing LeRoy v. Allen, Yurasek & Merklin, 114 Ohio

St.3d 323, 2007-Ohio-3608, ¶ 14. "A trial court's order granting a motion to dismiss

pursuant to Civ.R. 12(B)(6) is subject to de novo review on appeal." BAC Home Loans

Servicing, L.P. v. Kolenich, 194 Ohio App.3d 777, 2011-Ohio-3345, ¶ 35 (12th Dist.).

{¶ 23} Although difficult to decipher, Ebbing essentially argues the trial court erred

by denying her motion to dismiss because its decision was contrary to law and based on

several incorrect factual findings. But, after a simple review of the record, we find no error

in the trial court's decision. Ditech's amended complaint, just as its original complaint,

contained sufficient allegations to overcome a Civ.R. 12(B)(6) motion to dismiss. "[A]s long

as there is a set of facts, consistent with the plaintiff's complaint, which would allow the

plaintiff to recover, the court may not grant a defendant's motion to dismiss." York v. Ohio

State Hwy. Patrol, 60 Ohio St.3d 143, 145 (1991). That is certainly the case here.

{¶ 24} "A party seeking to foreclose on a mortgage must establish execution and

delivery of the note and mortgage; valid recording of the mortgage; it is the current holder

of the note and mortgage; default; and the amount owed." Countrywide Home Loans, Inc.

v. Baker, 10th Dist. Franklin No. 09AP-968, 2010-Ohio-1329, ¶ 8. Ditech, clearly having

standing to bring a foreclosure action as both the holder of the note and assignee of the

mortgage at issue, alleged sufficient facts related to each of these essential elements.

Therefore, finding no error in the trial court's decision denying her Civ.R. 12(B)(6) motion to

dismiss, Ebbing's first assignment of error lacks merit and is overruled.

{¶ 25} Assignment of Error No. 2:

{¶ 26} THE TRIAL COURT ERRED IN DEROGATION OF APPELLANT'S RIGHT[S]

WHEN IT FILED ITS DECEMBER 13, 2017 ENTRY PRIOR TO APPELLANT BEING

HEARD AND ALSO WHEN IT FAILED TO SERVE APPELLANT A COPY OF SAID ENTRY

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AND NOTICE OF SAID ENTRY.2

{¶ 27} In her second assignment of error, Ebbing argues the trial court violated her

right to due process by issuing its December 13, 2017 decision without giving her an

opportunity to be heard. In support, Ebbing cites to the trial court's Loc.R. 6.02(D).

Pursuant to that rule:

Unless an extension of time is granted for good cause shown,
any memorandum in opposition to a motion, or a memorandum
of a co-party in support of the motion, shall be filed within
twenty-one (21) days of the service of the motion and the
movant shall file any reply memorandum in support of the
motion within ten (10) days of the service of the last
memorandum in opposition. No memorandum shall exceed
fifteen (15) pages in length without leave of court. Unless oral
argument is requested or ordered by the Court, a motion shall
be considered submitted to the court for decision upon the
expiration of said time period.

{¶ 28} This court is baffled by Ebbing's argument. It would seem that Ebbing is

arguing that she was not provided with the opportunity to file a reply brief to Ditech's

memorandum in opposition. But, even when taking Ebbing's claim as true, the record

indicates Ditech did not file its opposing memorandum until after the trial court had already

issued its decision; the trial court issued its decision on December 13, 2017 at 3:50 p.m.,

whereas Ditech fax filed its memorandum approximately two hours later at 5:41 p.m. If the

trial court violated Ebbing's due process rights by issuing its decision without first giving her

the opportunity to file a reply brief, the trial court also violated Ditech's right to due process

by issuing its decision before Ditech filed its memorandum in opposition. Therefore, all

things equal, Ebbing cannot claim any resulting prejudice.

{¶ 29} In so holding, we note that trial courts "are given great latitude in following and

2. This court has omitted the numerous internal citations contained within Ebbing's second assignment of
error for ease of readability.

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enforcing their own local rules." HSBC Bank USA v. Faulkner, 12th Dist. Butler No.

CA2017-10-153, 2018-Ohio-3221, ¶ 16, citing Dvorak v. Petronzio, 11th Dist. Geauga No.

2007-G-2752, 2007-Ohio-4957, ¶ 30. Trial courts are also given "wide discretion" in how

to control their own docket and regulate the proceedings brought before them. Fifth Third

Bank v. Meadow Park, LLC, 12th Dist. Clinton No. CA2015-07-012, 2016-Ohio-753, ¶ 34.

Therefore, given the "great latitude" and "wide discretion" afforded to the trial court in

enforcing its own rules and controlling its docket, Ebbing's claim the trial court violated her

right to due process lacks merit. This is undoubtably the case here when considering the

arguments advanced by Ebbing were generally unsupported by either law or fact.

{¶ 30} We also find no merit to Ebbing's claim the trial court violated her right to due

process by failing to "serve" her a copy of its December 13, 2017 decision. This, according

to Ebbing, resulted in her being "unjustly penalized" due to the trial court's own nonfeasance

and malfeasance. However, contrary to Ebbing's claim, the record indicates a copy of the

trial court's decision was sent to her home address that she supplied in her initial pleadings,

"3800 Princeton Road, Hamilton, OH 45011," shortly after the decision was issued.

Contrary to Ebbing's claims, there is nothing in the record to indicate the trial court's decision

was not sent to Ebbing nor is there anything in the record to indicate the trial court's decision

was not received by Ebbing. Ebbing's claim that the trial court failed to send her a copy of

its decision is based on nothing more than pure speculation. We decline to engage in such

speculation here.

{¶ 31} In light of the foregoing, we find no merit to Ebbing's claim that the trial court

violated her due process rights by denying her an opportunity to be heard prior to issuing

its December 13, 2017 decision. The same is true regarding Ebbing's claim the trial court

violated her right to due process by allegedly failing to "serve" her a copy of its December

13, 2017 decision. We instead find the trial court acted well within its authority when

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navigating through Ebbing's arguments. Therefore, finding no error in the trial court's

decision, Ebbing's second assignment of error also lacks merit and is overruled.

{¶ 32} Assignment of Error No. 3:

{¶ 33} THE TRIAL COURT ERRED WHEN IT FILED ENTRIES PRIOR TO

APPELLANT BEING HEARD BY THE TRIAL COURT; FAILING TO SERVE APPELLANT

A COPY OF SAID ENTRIES; AND ENTERING FALSE JUDGEMENT.3

{¶ 34} In her third assignment of error, Ebbing argues the trial court erred by denying

her motion for leave to file her answer out of time. Again citing to Loc.R. 6.02(D), Ebbing

argues the trial court violated her right to due process by issuing its July 13, 2018 decision

denying her motion for leave without first giving her an opportunity to be heard. Ebbing also

argues the trial court violated her right to due process by failing to "serve" her a copy of its

decision. For the reasons outlined above in our discussion of Ebbing's second assignment

of error, Ebbing's identical arguments raised herein as it relates to the trial court's July 13,

2018 decision also lack merit.

{¶ 35} Also lacking merit is Ebbing's claim the trial court entered a "false judgment"

by granting Ditech's motion for summary judgment. Ebbing claims the trial court "testified

falsely" and "judged falsely" when issuing its decision. But, as the record plainly reveals,

Ditech satisfied its initial burden requiring it to provide evidence demonstrating the absence

of a genuine issue of material fact. See Touhey v. Ed's Tree & Turf, L.L.C., 194 Ohio App.3d

800, 2011-Ohio-3432, ¶ 7 (12th Dist.). Ebbing, however, did not meet her reciprocal burden

as the nonmoving party to rebut Ditech's evidence with specific facts showing the existence

of a genuine triable issue. See Deutsche Bank Natl. Trust Co. v. Sexton, 12th Dist. Butler

No. CA2009-11-288, 2010-Ohio-4802, ¶ 7.

3. This court has also omitted the numerous internal citations contained within Ebbing's third assignment of
error for ease of readability.
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{¶ 36} "Summary judgment is a procedural device used to terminate litigation when

there are no issues in a case requiring a formal trial." Franchas Holdings, LLC v. Dameron,

12th Dist. Clermont No. CA2015-09-073, 2016-Ohio-878, ¶ 16, citing Roberts v. RMB Ents.,

Inc., 197 Ohio App.3d 435, 2011-Ohio-6223, ¶ 6 (12th Dist.). Pursuant to Civ.R. 56(C),

summary judgment is proper when: (1) there is no genuine issue of material fact; (2) the

moving party is entitled to judgment as a matter of law; and (3) reasonable minds can only

come to a conclusion adverse to the party against whom the motion is made, construing

the evidence most strongly in that party's favor. Such is the case here. Therefore, because

there were no issues requiring a formal trial, the trial court did not err by granting Ditech's

motion for summary judgment. Accordingly, finding no error in the trial court's decision,

Ebbing's third assignment of error is overruled.

Conclusion

{¶ 37} Finding no violation to Ebbing's due process rights, the trial court did not err

by granting Ditech's motion for summary judgment. Ditech, having standing to bring a

foreclosure action, provided sufficient evidence that established it was entitled to foreclose

on the subject property as a matter of law. That is to say Ditech provided sufficient,

unrefuted evidence to establish the essential elements necessary to prevail on a motion for

summary judgment in a foreclosure action; namely, execution and delivery of the note and

mortgage, valid recording of the mortgage, its status as the current holder of the note and

assignee of the mortgage, default, and the amount then due and owing. Therefore, because

the trial court did not err by granting Ditech's motion for summary judgment, the trial court's

decision is affirmed.

{¶ 38} Judgment affirmed.

HENDRICKSON, P.J., and M. POWELL, J., concur.

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