GMAC Mortgage LLC Ruin My Credit Prevented Me From Getting A Job Causing Me To Go Into Foreclosure

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UNITED STATES DISTRICT COURT
NORTHERN DISTRICT OF CALIFORNIA
DIVISION OF SAN JOSE
SYLVIA JONES,
Plaintiff,
vs.
MORTGAGEIT et. al.,; GMAC MORTGAGE
LLC et. al., AND DEBRA ROSENSTIEN et.
al.,
Defenant,
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Case N!."
CIVIL ACTION
DEMAND #OR J$RY TRIAL
COMPLAINT
S%lvia J!nes &'e(einafte( )Plaintiff*+ is t'e le,al title '!le( an !-ne( !f t'e .(!.e(t% l!/ate at
0123 Delna Man!( Ln, San J!se, Calif!(nia. In A.(il 4115 Plaintiff !6taine a fi(st an se/!n
l!an t! .7(/'ase 'e( .(!.e(t%. T'e l!ans -e(e !6taine f(!8 M!(t,a,eIT In/. &) 'e(einafte(
MIT*+ T'e l!ans finan/in, -as a 0119 t'at /!nsiste !f a :19 fi(st in t'e a8!7nt !f
;<30,411 an a 419 se/!n l!an in t'e a8!7nt !f ;=4,:11. T'e t!tal a8!7nt !f /(eit e>tene
t! Plaintiff f(!8 MIT -as in t'e a8!7nt !f ;?5?,111. MIT t(ansfe((e t'e se(vi/in, (i,'ts f!(
t'e fi(st l!an t! GMAC M!(t,a,e LLC &)'e(einafte( GMACM*+ !n J7l% 0?, 4115. T'e se(vi/in,
(i,'t f!( t'e se/!n l!an -as t(ansfe((e !n J7l% <, 4115 t! Sele/t P!(tf!li! Se(vi/e &'e(einafte(
)SPS*+. $.!n inf!(8ati!n an 6elief, Plaintiff alle,es t'at all t'e Defenant@s a(e (es.!nsi6le
f!( t'e -(!n,f7l a/ts alle,e 'e(ein an a(e (es.!nsi6le f!( t'e inA7(ies an a8a,es /a7se t!
Plaintiff.
JURISDICTION
P7(s7ant t! 4: $.S.C. B0<<0 an 4: $.S.C. B0<<4 , t'is /!7(t 'as s76Ae/t 8atte( A7(isi/ti!n in
t'e f!(8 !f a fee(al C7esti!n anD!( ive(sit% A7(isi/ti!n. Plaintiff@s a8a,es e>/ee t'e
;32,111.11 A7(isi/ti!nal 8ini8al (eC7i(e 6% t'is C!7(t.
COMPLAINT FOR DAMAGES - 1-
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VENUE
Ven7e is a..(!.(iate in t'is /!7(t 6e/a7se all !f t'e Defenant@s (esie !7tsie t'is ist(i/t, an a
s76stantial a8!7nt !f t'e a/ts an !8issi!ns ,ivin, (ise t! t'is la-s7it !//7((e in t'is ist(i/t.
Defenant@s MIT, GMACM, an DEBRA ROSENSTIEN &)'e(einafte( ROSENSTEIN*+
/!n7/te an en,a,e in s76stantial, s%ste8ati/, an /!ntin7!7s 67siness a/tivities 'e(ein
Calif!(nia.
INTRADISTRICT ASSIGNMENT
T'is la-s7it s'!7l 6e assi,ne t! t'e San J!se Divisi!n !f t'is C!7(t 6e/a7se a s76stantial .a(t
!f t'e events !( !8issi!ns -'i/' ,ive (ise t! t'is la-s7it !//7((e in Santa Cla(a C!7nt%.
PARTIES
Defenant, MORTGAGEIT INC. is a f!(ei,n /!(.!(ati!n !(,aniEe an e>istin, 7ne( t'e la-s
!f t'e State !f Ne- Y!(F -it' its .(in/i.al .la/e !f 67siness 6ein, in State !f Ne- Y!(F,
an (e,7la(l% /!n7/te, /!ntin7es t! /!n7/t 67siness, an at all ti8es (elevant 'e(et!,
(e,7la(l% /!n7/te 67siness, in Calif!(nia.
Defenant, GMAC MORTGAGE LLC is a f!(ei,n /!(.!(ati!n !(,aniEe an e>istin, 7ne(
t'e la-s !f t'e State !f Dela-a(e -it' its .(in/i.al .la/e !f 67siness 6ein, in t'e State !f
Dela-a(e. GMACM /!n7/te, /!ntin7es t! /!n7/t, an at all ti8es (elevant 'e(et!,
(e,7la(l% /!n7/te 67siness in Calif!(nia.
Defenant, DEBRA ROSENSTEIN, is an a7t'!(iEe a,ent an e8.l!%ee f!( GMACM at t'ei(
!ffi/e l!/ate at 011 Git8e( R!a, H!(s'a8, PA 0=1?? a f!(ei,n /!(.!(ati!n -'i/'
/!n7/ts 67siness, an at all ti8es (elevant 'e(et!, (e,7la(l% /!n7/te 67siness, in
Calif!(nia.
S%lvia J!nes is a '!8e!-ne( -'! (esies in San J!se, Calif!(nia an -'!@s .(!.e(t% is l!/ate
at 0123 Delna Man!( Ln, San J!se, CA =204:
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FACTUAL BACKGROUND
Plaintiff .7(/'ase 'e( ve(% fi(st '!8e in A.(il !f 4115. Plaintiff !6taine 0119
finan/in, f(!8 MIT. MIT t(ansfe((e t'e se(vi/in, (i,'ts t! 6!t' Plaintiff@s l!ans s'!(tl% afte(
t'e l!an /l!se es/(!-. T'e fi(st l!an@s se(vi/in, (i,'ts -e(e t(ansfe((e t! GMACM 6e,innin,
!n J7l% 0?, 4115. Se(vi/in, (i,'ts t! t'e se/!n l!an -as t(ansfe((e t! SPS !n J7l% <, 4115.
Plaintiff 8ae all !f 'e( 8!(t,a,e .a%8ents t! t'e ne- se(vi/e(s via /as'ie( /'e/Fs .7(s7ant t!
t'e te(8s !f t'e 8!(t,a,e /!nt(a/t 6ef!(e t'e 02 a% ,(a/e as state !n .a,e t'(ee &<+, ite8 3&A+.
(see attached eh!"!t A+
Plaintiff intene t! (efinan/e 'e( '!8e afte( si> &5+ 8!nt's !f !-ne(s'i. s! t'at s'e
/!7l l!-e( 'e( inte(est (ate an a//ess t'e eC7it% in 'e( '!8e. T'e Plaintiff 6e,an t'e (efinan/e
.(!/ess in O/t!6e( !f 4115. Inte(state #inan/ial -as Plaintiff@s e8.l!%e( an 6(!Fe(e t'e
!(i,inal l!an t! MIT.
Inte(state #inan/ial .7lle Plaintiff@s /(eit (e.!(t t'(!7,' Lan A8e(i/a IN#O0
&)'e(einafte( IN#O0*+ !n O/t!6e( 03, 4115. T'e /(eit (e.!(t s'!-e Plaintiff@s fi(st l!an,
-'i/' -as 6ein, se(vi/e 6% GMACM, 'a n!t 6een (e.!(te t! an% !f t'e /(eit (e.!(tin,
a,en/ies &'e(einafte( )CRAs+. H!-eve(, SPS 'a (e.!(te t'e se/!n l!an -'i/' it -as
se(vi/in,.
T'e /(eit (e.!(t als! s'!-e t'at Plaintiff -'!se !(i,inal /(eit s/!(e as !f A.(il 4115
-as #$% 'a e/(ease t! 544 I a drop of 61 points. Plaintiff 'a n!t in/7((e an% aiti!nal
e6t !6li,ati!n f(!8 A.(il t'(!7,' O/t!6e( -'i/' /!7l 'ave A7stifie t'e 50 .!int (!. in
Plaintiff@s /(eit s/!(e.
Plaintiff /!nta/te IN#O0 an s.!Fe t! San(a an asFe 'e( t! taFe a l!!F at Plaintiff@s
/(eit (e.!(t t! t(% an ete(8ine t'e /a7se f!( t'e (asti/ (!. in Plaintiff@s /(eit s/!(e. San(a
state t! Plaintiff t'e (eas!n t'at 'e( /(eit s/!(e 'a (!..e -as 6e/a7se t'e fi(st 8!(t,a,e
l!an 'a n!t 6een (e.!(te t! t'e CRAs. San(a avise Plaintiff t! /!nta/t t'e l!an se(vi/in,
/!8.an% an asF t'e8 t! (e.!(t 'e( .a%8ent 'ist!(%. San(a ass7(e Plaintiff t'at !n/e t'e%
(e.!(t 'e( 8!(t,a,e 'e( /(eit s/!(e -!7l in/(ease -ell !ve( 341.
Plaintiff /!nta/te GMACM !n O/t!6e( 03, 4115 an s.!Fe t! a /7st!8e( se(vi/e
(e.(esentative na8e Ja66%. Ja66% ins7(e Plaintiff t'at 'e -!7l .7t a (7s' !n 'e( (eC7est t!
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(e.!(t 'e( 8!(t,a,e an 'e -as senin, an e8ail t! t'e e.a(t8ent in /'a(,e !f (e.!(tin, t! t'e
CRAs. Ja66% als! state t! Plaintiff s'e -!7l (e/eive a (et7(n /all f(!8 t'e C(eit Re.!(tin,
De.a(t8ent 6% ?"11 ..8. t'at afte(n!!n. Plaintiff i n!t (e/eive a (et7(n .'!ne /all f(!8
GMACM t'at afte(n!!n., s! Plaintiff .la/e an!t'e( .'!ne /all t! GMACM an s.!Fe t!
an!t'e( /7st!8e( se(vi/e (e.(esentative s'!(tl% afte( ?"11 ..8..
T'is e8.l!%ee state Ja66% 'a .(!vie t'e Plaintiff -it' in/!((e/t inf!(8ati!n. S'e
state t'at even if a 8!(t,a,!( (eC7este e>.eite (e.!(tin,, GMACM -!7l taFe 7. t! at least
? t! 5 -eeFs t! (e.!(t t! t'e CRAs an t'at it -as t'ei( /!8.an%@s .!li/%. Plaintiff asFe t!
s.eaF t! a s7.e(vis!(. Plaintiff s.!Fe t! a ,entle8an na8e R!6e(t &e8.l!%ee n786e( :2154+
-'! ientifie 'i8self as a /7st!8e( se(vi/e s7.e(vis!(. R!6e(t state t'at as .e( t'e Real Estate
Settle8ent P(!/e7(e A/t &'e(einafte( )RESPA*+ GMACM i n!t 'ave t! (e.!(t a 8!(t,a,e
.a%8ent 'ist!(% -it' t'e CRAs 7ntil it 'a se(vi/e t'e l!an f!( a .e(i! !f #& da's.
He f7(t'e( e>.laine t'at GMACM 'a !nl% 6e,an se(vi/in, Plaintiffs@ l!an !n J7l% 0?,
4115 an t'e(ef!(e it -as n!t ,!in, t! an n!t (eC7i(e t! (e.!(t 'e( l!an 7ntil N!ve86e( 4115.
Plaintiff state t'at if RESPA (eC7i(e a l!an se(vi/e( t! (e.!(t t'e 8!(t,a,e, afte( 51 a%s !f
se(vi/in, a l!an t'en Plaintiff@s 8!(t,a,e s'!7l 'ave 6een (e.!(te in O/t!6e( 4115 if
se(vi/in, sta(te !n J7l% 0?, 4115. R!6e(t@s (es.!nse -as t'at RESPA an GMACM@s .!li/%
(eC7i(es t'at t'e% (e.!(t t! t'e CRAs in N!ve86e( !f 4115 an t'e% -!7l n!t (e.!(t 'e(
8!(t,a,e 7ntil t'en an 'e a6(7.tl% ene t'e /!nve(sati!n.
Plaintiff /!nta/te t'e De.a(t8ent !f C!(.!(ati!n an file a /!8.laint. Plaintiff als!
sent t'(ee &<+ C7alifie -(itten (eC7est &'e(einafte( )KGR*+ t! GMACM asFin, s.e/ifi/all% f!(
t'e Defenant t! (e.!(t 'e( 8!(t,a,e .a%8ent 'ist!(%, s! s'e /!7l (efinan/e 'e( .(!.e(t%.
GMACM neve( (es.!ne t! Plaintiff@s t'(ee &<+ KGR. Plaintiff (e/eive a lette( f(!8
GMACM@s a7t'!(iEe a,ent, De6(a R!senstein &'e(einafte( )R!senstein*+. He( lette( state t'at
it -as GMACM@s .!li/% t! (e.!(t Plaintiff@s 8!(t,a,e in N!ve86e( t! ins7(e t'e(e -!7l n!
e((!(s an ina//7(ate inf!(8ati!n f7(nis'e t! t'e CRAs. S'!(tl% afte( (e/eivin, t'e lette( f(!8
R!senstein Plaintiff 6e,an ,ettin, 'a(assin, .'!ne /alls f(!8 GMACM statin, t'at 'e(
8!(t,a,e .a%8ents -e(e late. Plaintiff (e.eatel% e>.laine t! GMACM@s tele.'!ne
(e.(esentative t'at s'e -as /7((ent !n 'e( 8!(t,a,e .a%8ents an (eC7este t'at t'e e8.l!%ee
(evie- 'e( .a%8ent 'ist!(% an st!. t'e 'a(assin, /alls. T'e live /alls st!., 67t t'en Plaintiff
6e,an (e/eivin, s%ste8ati/ a7t!8ate /alls /lai8in, s'e -as late. Plaintiff a,ain /alle
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GMACM asFe t'e8 t! (e8!ve 'e( f(!8 t'e a7t!8ate /all s%ste8. T'e ann!%in, /alls finall%
st!..e.
Plaintiff ass78e s'e -!7l 6e a6le t! (efinan/e 'e( .(!.e(t% in N!ve86e( 4115 an
!.ene an es/(!- a//!7nt -it' title !ffi/e(, Denise Pe((7//i, -'! -!(Fe f!( #inan/ial Title.
M(s. Pe((7//i !(e(e t'e .a%!ff e8an an fa>e Plaintiff a /!.%. T'e .a%!ff e8an
ini/ate t'at Plaintiff !-e a late fee. Plaintiff an M(s. Pe((7//i /!nta/te GMACM via a
/!nfe(en/e /all t! is.7te t'e valiit% !f t'e alle,e late fee. M(s. Pe((7//i asFe -'i/' 8!nt'
-as t'e late fee !-e 6e/a7se a//!(in, t! Plaintiff@s !/78ents s'e is /7((ent. GMACM state
it 'a (evie-e t'e a//!7nt an in@t see an% late fees an state t'at 7ntil 'e( ne- l!an /l!ses
s'e !-e an -!7l 6e /'a(,e a 7.f(!nt late fee. M(s. Pe((7//i state t! GMACM t'at t'e%
/!7l n!t /'a(,e a 7.f(!nt late fee 6e/a7se t'e .a%!ff e8an inst(7/ti!ns state t'at if t'e l!an
/l!ses afte( t'e 02
t'
a% !f t'e 8!nt' Plaintiff -!7l 6e /'a(,e a ail% .e( ie8 inte(est late fee
7. t! t'e ti8e t'e l!an /l!ses. M(s. Pe((7//i (eC7este GMACM sen 'e( a8ene title
inst(7/ti!ns -it' t'e 7n-a((ante 7.f(!nt late fee (e8!ve. GMACM (ef7se t! (e8!ve t'e late
fee. Plaintiff 'a IN#O0 ve(if% 'e( 8!(t,a,e -it' GMACM an s'e als! !(e(e a /!.% !f 'e(
.a%8ent 'ist!(% f(!8 GMACM. B!t' !f t'e (eC7este !/78ents ini/ate t'at t'e Plaintiff
'a 6een /7((ent -it' all !f 'e( .a%8ents as !f ate 7(in, t'e ti8e -'i/' GMACM 'a
se(vi/e 'e( l!an. Plaintiff lea(ne afte( senin, lette(s t! t'e CRAs in N!ve86e( 4115 t'at
GMACM 'a still n!t (e.!(te 'e( 8!(t,a,e in N!ve86e( 4115. Plaintiff t'en sent GMACM a
/!8.laint lette( atta/'in, t'e (es.!nses s'e 'a (e/eive f(!8 t'e CRAs. GMACM (es.!ne
6% lette( ate De/e86e( <,4115 t'at state it 'a (e.!(te 'e( 8!(t,a,e in De/e86e(. Plaintiff
'a 'e( /(eit (e.!(t .7lle in De/e86e( 4115 an lea(ne t'at GMACM 'a (e.!(te t! t'e
CRAs. S'e als! lea(ne t'at GMACM (e.!(te false, ina//7(ate, an 8isleain, inf!(8ati!n t!
t'e CRAs. Afte( GMACM@s De/e86e( (e.!(tin, t! t'e CRAs Plaintiff@s /(eit s/!(e (!..e t!
#&(. As a i(e/t (es7lt !f GMACM@s fail7(e t! ti8el% (e.!(t t'e Plaintiff@s e>/ellent .a%8ent
'ist!(% in O/t!6e( !f 4115 Plaintiff@s /(eit -as se(i!7sl% i8.ai(e. G'e(eas; f(!8 t'e ti8e
GMACM i n!t (e.!(t t! t'e ti8e t'e% finall% i (e.!(t t'e ina//7(ate 8!(t,a,e .a%8ent
'ist!(% 'e( /(eit s/!(e (!..e a total of 81 points.
MIT /!nt(i67te t! t'e e8ise !f t'e Plaintiff@s /(eit (e.7tati!n an t'e ela% in 'e(
(efinan/in, 6% t(ansfe((in, 'e( l!an t! a ne- se(vi/e( )A8e(i/a@s se(vi/in, /!8.an%* i(e/tl%
afte( GMACM@s ina//7(ate (e.!(tin, in De/e86e( 4115. MIT@s a/ti!n /!8.!7ne -it'
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GMACMLs ne,li,en/e /a7se Plaintiff t! 'ave t! -ait an!t'e( 51 a%s 6ef!(e t'e ne- se(vi/e(
-!7l (e.!(t 'e( 8!(t,a,e 'ist!(%.
Plaintiff is a s76s/(i6e( t! a /(eit se(vi/e /!8.an% t'at 8!nit!(s an% a/tivit% !n 'e(
/(eit. Plaintiff (e/eive a ale(t !n A7,7st :, 411: GMACM 'a a//esse 'e( /(eit, -it'!7t 'e(
-(itten a7t'!(iEati!n an f7(nis'e aiti!nal ina//7(ate, false an 8isleain, inf!(8ati!n t! t'e
CRAs a6!7t 'e( 8!(t,a,e .a%8ent 'ist!(%. GMACM n! l!n,e( se(vi/e Plaintiff@s l!an as !f
De/e86e( 4115 -'e(e6% a//essin, 'e( /(eit -it'!7t -(itten a7t'!(iEati!n is a vi!lati!n !f t'e
/!ns78e( .(!te/ti!n la-s.
COUNT ONE
FALSE LIGHT
&A,ainst all Defenant@s+
Plaintiff (eMalle,es an (ein/!(.!(ates ea/' an eve(% alle,ati!n /!ntaine in t'e Gene(al
Alle,ati!ns an all .(evi!7s .a(a,(a.'s !f all .(evi!7s se/ti!ns an Ca7ses !f A/ti!n in t'is
C!8.laint, in/l7sive, as t'!7,' f7ll% set f!(t' 'e(ein.
0. T'e Defenants f7(nis'e ina//7(ate inf!(8ati!n t! t'e t'(ee 8aA!( /(eit (e.!(tin,
a,en/% as f!ll!-s" T(ans $ni!n, E>.e(ian an EC7ifa> &) 'e(einafte( CRA*+.
Defenants Fn!-in,l% s768itte false an ina//7(ate inf!(8ati!n -'i/' i n!t
(efle/t t'e Plaintiff@s t(7e an fa/t7al 8!(t,a,e /(eit 'ist!(%. Defenant@s Fne- !(
s'!7l 'ave Fn!-n t'at t'ei( -illf7l 8is(e.(esentati!n t! t'e CRAs -!7l 'ave an
ave(se effe/t !n Plaintiff@s /(eit (atin,, est(!% 'e( a6ilit% t! !6tain /(eit, an als!
-!7l affe/t 'e( a6ilit% t! fin ,ainf7l e8.l!%8ent.
4. Defenants Fne- !( s'!7l 'ave Fn!-n t'e et(i8ental effe/ts s7/' false inf!(8ati!n
6ein, 8ae availa6le t! t'e .76li/ -!7l /a7se Plaintiff. Defenants .(esente Plaintiff
in a false li,'t -'en t'e% isse8inati!n 'i,'l% .(eA7i/ial, false, an ina//7(ate
inf!(8ati!n in a .76li/ f!(78. Defenants a/ti!ns -e(e ne,li,ent, an t'ei( (ef7sal t!
(et(a/t t'e lies t'e% s768itte t! t'e CRAs s'!- a /all!7s iniffe(en/e t! t'e 'a(8 it
/a7se Plaintiff t! e>.e(ien/e. Plaintiff al(ea% .!ssesses /lea( an /!nvin/in,
evien/e t'e Defenants Fne- t'e .76li/ati!n -!7l /(eate a false i8.(essi!n
(e,a(in, Plaintiff@s 8!(t,a,e 'ist!(% an /a7se 'e( i((e.a(a6le 'a(8.
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<. As a i(e/t an .(!>i8ate /a7se !f t'e Defenants .(esentin, t'e Plaintiff in a false
li,'t Plaintiff 'as en7(e a ,(eat a8!7nt !f .'%si/al .ain an s7ffe(in,, e8!ti!nal
st(ess, an finan/ial 'a(s'i.. Plaintiff /!ntens Defenants@ a/ti!ns -e(e s! e,(e,i!7s
t'at a (eas!na6le .e(s!n s76Ae/te t! t'e sa8e /i(/78stan/es -!7l als! 6e 'i,'l%
!ffene 6% s7/' /!n7/t.
?. One !f t'e 6asi/ .(in/i.les !f a,en/% la-s states t'at t'e .(in/i.le 6e/!8es vi/a(i!7sl%
lia6le f!( all a/ts !f its a,ent. MIT faile t! s7.e(vise !( /!((e/t t'e e((!(s an
8is(e.(esentati!n !f its a,ent, GMACM. Plaintiff, alle,es MIT is /7l.a6le f!(
GMACM@s 6(ea/' !f t'e 8!(t,a,e /!nt(a/t an t'e(ef!(e is lia6le f!( a8a,es in/7((e
6% Plaintiff as a i(e/t an .(!>i8ate /a7se !f GMACM@ 8is(e.(esentati!ns,
!8issi!ns, an ne,li,en/e.
COUNT T)O
INTENTIONAL MISREPRESENTATION
&A,ainst Defenant@s GMAC M!(t,a,e an De6(a R!senstein+
Plaintiff (eMalle,es an (ein/!(.!(ates ea/' an eve(% alle,ati!n /!ntaine
in t'e Gene(al Alle,ati!ns an all .(evi!7s .a(a,(a.'s !f all .(evi!7s se/ti!ns
an Ca7ses !f A/ti!n in t'is C!8.laint, in/l7sive, as t'!7,' f7ll% set f!(t' 'e(ein.
2. Defenant, De6(a R!senstein &'e(einafte( )R!senstein*+, a/tin, in 'e( /a.a/it% as an
a7t'!(iEe a,ent an e8.l!%ee f!( GMACM sent a /!((es.!nen/e ate N!ve86e( 05,
4115 t! Plaintiff -'i/' state Plaintiff@s 8!(t,a,e 'ist!(% -!7l 6e (e.!(te t! t'e
CRAs in N!ve86e(. C!nt(a(% t! R!senstein@s -(itten state8ent, GMACM i n!t
(e.!(t Plaintiff@s 8!(t,a,e 'ist!(% t! t'e CRAs 7(in, t'e 8!nt' !f N!ve86e( 4115.
5. Plaintiff alle,es R!senstein Fne- t'at t'e (e.(esentati!n -as false -'en s'e 8ae it
an t'at s'e 8ae t'e (e.(esentati!n (e/Flessl% an -it'!7t (e,a( f!( its t(7t'.
3. Plaintiff alle,es R!senstein intene Plaintiff t! (el% !n t'e N!ve86e( 4115 -(itten
state8ent 8ae 6% t'e efenant. Plaintiff i (el% !n R!senstein@s -(itten state8ent.
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:. GMACM@s fail7(e t! (e.!(t Plaintiff@s 8!(t,a,e /a7se 'e( /(eit s/!(e t! (!. -'i/'
in t7(n .(evente 'e( f(!8 (efinan/in, in 4115. Plaintiff@s (elian/e !n Defenant@s
(e.(esentati!n -as a s76stantial fa/t!( in /a7sin, 'e( 'a(8.
COUNT THREE
INTENTIONAL TORT OF CONCEALMENT AND DECEIT

=. J7l% 0?, 4115 MIT an GMACM ente( int! a se(vi/in, /!nt(a/t -'i/' esta6lis'e a
fi7/ia(% (elati!ns'i. 6et-een t'e8. T'is /!nt(a/t, -'i/' 7.!n inf!(8ati!n an 6elief,
-as a .!!lin, an se(vi/in, a,(ee8ent, le,all% (eC7i(e GMAC t! a/t at all ti8es f!(
t'e s!le 6enefit an inte(ests !f MIT.
01. Defenants -e(e !6li,ate 6% la- t! inf!(8 t'e Plaintiff t'at t'e% 'a s768itte
ne,ative /(eit inf!(8ati!n a6!7t 'e( t! CRAs. Alt'!7,' t'e Defenants i n!t (e.!(t
Plaintiff@s e>/ellent 8!(t,a,e .a%8ent 'ist!(% t! t'e CRAs in O/t!6e( 4115, n!( i
t'e% (e.!(t it t'e f!ll!-in, 8!nt'. It -as n!t 7ntil De/e86e( 4115 t'at t'e Defenants
finall% (e.!(te J!nes .a%8ent 'ist!(%. T'e De/e86e( (e.!(t /!ntaine se(i!7s lies
a6!7t t'e Plaintiff. Defenants@ De/e86e( (e.!(t state" Plaintiff -as 'avin, iffi/7lties
8aFin, 'e( 8!(t,a,e .a%8ents; an Plaintiff 'a s7/' seve(e finan/ial .(!6le8s t'at
s'e (eC7este an a,(ee t! ente( int! a f!(6ea(an/e a,(ee8ent -it' t'e Defenant@s.
00. Plaintiff states s'e 'a ti8el% 8ae all !f 'e( 8!(t,a,e .a%8ents.
04. Plaintiff als! states s'e neve( (eC7este, a7t'!(iEe, n!( /!nt(a/te -it' Defenant f!( a
f!(6ea(an/e a,(ee8ent.
0<. B% la- t'e Defenants -e(e (eC7i(e t! n!tif% Plaintiff if an -'en it s768itte
ne,ative /(eit inf!(8ati!n t! CRAs. Defenants neve( n!tifie J!nes !f t'ei( (e.!(tin,
a/tivities.
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0?. N!t !nl% i Defenants faile t! a6ie 6% t'e la-; t'e% als! Fn!-in,l% /!n/eal t'ei(
-(!n,f7l a/ts 6% failin, t! inf!(8 Plaintiff !f t'ei( !n,!in, .(a/ti/e !f s768ittin,, n!t
!nl% ne,ative inf!(8ati!n, 67t, als! s768ittin, inf!(8ati!n -'i/' -as 6latantl% false
an e/e.tive. Plaintiff (eas!na6l% (elie !n Defenants state8ent t'at t'e% (e.!(t 'e(
e>/ellent .a%8ent 'ist!(% t! t'e CRAs in De/e86e( 4115.
02. As a i(e/t an .(!>i8ate /a7se !f t'e Defenants s768ittin, 6latantl% false, e/e.tive,
an ina//7(ate inf!(8ati!n an it intenti!nal /!n/eal8ent !f 8ate(ial fa/ts, Plaintiff 'as
6een (7ine finan/iall% an 'e( 67siness an .(!fessi!nal (e.7tati!n 'ave 6een
ne,ativel% affe/te..
COUNT FOUR
FALSE PROMISE
05. R!senstein 8ae a .(!8ise t! Plaintiff t'at GMAC -!7l (e.!(t Plaintiffs 8!(t,a,e
'ist!(% t! t'e CRA@s in a lette( ate N!ve86e( 05, 4115.
03. R!senstein Fne- t'is .(!8ise -as !f /(iti/al i8.!(tan/e t! Plaintiff. Plaintiff inf!(8e
R!senstein t'at s'e neee t! (efinan/e 'e( '!8e 6ef!(e t'e en !f 4115 an t'at it -as
i8.e(ative 'e( /(eit 'ist!(% 6e (e.!(te t! t'e CRAs i88eiatel%. Plaintiff e>.laine
t'at t'is (e.!(t -!7l ins7(e Plaintiff@s /(eit s/!(e in/(ease 'i,' en!7,' t! (efinan/e
'e( inte(est !nl% 8!(t,a,e int! a l!-e( inte(est (ate an a//ess 'e( eC7it%.
0:. Defenants -e(e 8ae a-a(e !f t'e i8.!(tan/e !f Fee.in, t'ei( .(!8ise t! (e.!(t
Plaintiff@s /(eit 'ist!(%. Defenants ass7(e t'e Plaintiff t'at t'e% -!7l Fee. t'ei(
.(!8ise. Neit'e( GMACM n!(, its a,ent, R!senstein, 8ae ,!! !n t'ei( .(!8ise t!
t'e Plaintiff.
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0=. Plaintiff 6elieve an (elie !n t'e Defenants t! Fee. t'ei( .(!8ise. Defenants
fail7(e t! (e.!(t Plaintiff@s 8!(t,a,e .a%8ent 'ist!(%, /a7se 'e( t(7e /(eit 'ist!(% t!
6e 7navaila6le t! inte(este .a(ties. Defenants fail7(e t! Fee. t'ei( .(!8ise /a7se
Plaintiff t! s7ffe( .e/7nia(% a8a,es -'en s'e /!7l n!t a//ess t'e eC7it% in 'e( '!8e
-'i/' -as a..(!>i8atel% ;:5,111.11. Defenants inte(fe(en/e -it' Plaintiff@s a6ilit% t!
(efinan/e 'e( .(!.e(t% (es7lte in Plaintiff 'avin, t! f!(,! !..!(t7nities t! !6tain a l!an
-'i/' 'a a l!-e( inte(est (ate an 'el. 'e( '!n!( (!ll s!n finan/e 'is /!lle,e
e7/ati!n. Defenants a/ti!ns -e(e a i(e/t an a..(!>i8ate /a7se !f 'a(8 t! Plaintiff.
COUNT FIVE
NEGLIGENT MISREPRESENTATION
&A,ainst Defenants GMAC M!(t,a,e an De6(a R!senstein+
Plaintiff (eMalle,es an (ein/!(.!(ates ea/' an eve(% alle,ati!n /!ntaine in t'e
Gene(al Alle,ati!ns an all .(evi!7s .a(a,(a.'s !f all .(evi!7s se/ti!ns an Ca7ses !f
A/ti!n in t'is C!8.laint, in/l7sive, as t'!7,' f7ll% set f!(t' 'e(ein.
41. Defenant, R!senstein, sent Plaintiff a lette( in N!ve86e( !f 4115 -'i/' s'e state
t'at Plaintiff@s 8!(t,a,e 'ist!(% -!7l 6e (e.!(te t! t'e CRA@s. C!nt(a(% t!
R!senstein -(itten state8ent Plaintiff@s 8!(t,a,e .a%8ent 'ist!(% -as n!t (e.!(te t!
t'e CRAs in N!ve86e( 4115.
40. Plaintiff alle,es R!senstein Fne- t'at GMACM -!7l n!t sen Plaintiff@s 8!(t,a,e
.a%8ent 'ist!(% t! t'e CRAs as t'is -!7l vi!late its fi7/ia(% (es.!nsi6ilit% t! MIT
6% assistin, t'e Plaintiff in (efinan/in, an 6e/!8in, s!8e!ne else@s /7st!8e(.
44. Plaintiff -'! -as 7na-a(e, t'at GMACM, as t'e se(vi/e( !f 'e( 8!(t,a,e, -as
!6li,ate t! .(!te/t t'e inte(ests !f its .(in/i.le MIT.
4<. Plaintiff alle,es t'at Defenants ne,li,entl% 8is(e.(esente -'at a/ti!ns it -!7l taFe
(e,a(in, t'e (e.!(tin, !f Plaintiff@s 8!(t,a,e .a%8ent 'ist!(%. T! 'e( et(i8ent
Plaintiff (elie !n Defenants@ ne,li,ent 8is(e.(esentati!n an -as 'a(8e 6%
Defenants@ a/ti!ns.
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4?. Defenants@ ne,li,ent 8is(e.(esentati!n -as a s76stantial fa/t!( in /a7sin, 'a(8 t! 'e(
/(eit s/!(e t! (!. an .(event 'e( f(!8 (efinan/in, in 4115.
COUNT SI*
VIOLATION OF THE FAIR CREDIT REPORTING ACT (+, USC-+#$+!.
42. Plaintiff is a /!ns78e( -it'in t'e 8eanin, !f 02 $SC B05=4a&<+. A
)/!ns78e( (e.!(t* is a -(itten, !(al, !( !t'e( /!887ni/ati!n !f an%
inf!(8ati!n t! a /!ns78e( (e.!(tin, a,en/% 6ea(in, !n a /!ns78e(Ns /(eit
-!(t'iness, /(eit stanin,, /(eit /a.a/it%, /'a(a/te(, ,ene(al (e.7tati!n,
.e(s!nal /'a(a/te(isti/s, !( 8!e !f livin, -'i/' is 7se !( e>.e/te t! 6e
7se !( /!lle/te in -'!le !( in .a(t f!( t'e .7(.!se !f se(vin, as a fa/t!( in
esta6lis'in, t'e /!ns78e(Ns eli,i6ilit% f!( t'e e>tensi!n !f /(eit an
e8.l!%8ent .7(.!ses.
45. G'at /!nstit7tes a /!ns78e( (e.!(t /!ve(s 8!(e t'an A7st /(eit inf!(8ati!n,
as ini/ate 6% t'e .'(ase Oan% inf!(8ati!n.O Re.!(ts (e,a(in, (ivin,
(e/!(s, /(i8inal 'ist!(%, e7/ati!nal 6a/F,(!7n, .(!fessi!nal /e(tifi/ati!ns,
an si8ila( 8atte(s als! a(e /!nsie(e /!ns78e( (e.!(ts.
43. A /!ns78e( (e.!(tin, a,en/% in/l7es in its .76li/ (e.!(ts 8!(e t'an /(eit
'ist!(% (e.!(tin, as -ell as !t'e( /(eit -!(t'% inf!(8ati!n. P(ivate
investi,at!(s an .e(s!ns an a,en/ies t'at .e(f!(8 e8.l!%ee 6a/F,(!7n
/'e/Fs C7alif% as -ell.
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Re/0!1e2e3t F41 F013!she1s T4 U5date Rec41ds:
4:. Defenant is a /!(.!(ati!n -'! (e,7la(l% f7(nis'es inf!(8ati!n t! t'e CRAs. $ne(
t'e #ai( C(eit Re.!(tin, A/t &)'e(einafte( #CRA*+, 02 $SC B05:0sM4. #7(nis'e(s
87st /'an,e (e/!(s, elete (e/!(s, !( .e(8anentl% 6l!/F (e.!(te inf!(8ati!n t'at is
f!7n t! 6e ina//7(ate !( in/!8.lete. Defenants vi!late 02 $SC B05:0 6% (ef7sin, t!
/!((e/t t'e (e.!(tin, e((!(s it s768itte t! t'e CRAs even afte( t'e Plaintiff 6(!7,'t t'e
e((!(s t! Defenants attenti!n.
4=. Defenant@s faile t! (e.!(t Plaintiffs 8!(t,a,e 'ist!(% in O/t!6e( 4115 t! t'e CRA@s
even t'!7,' t'e% a(e (eC7i(e t! ! s! afte( 'avin, se(vi/e 'e( l!an f!( #& a%s.
Plaintiff sent GMACM a K7alifie G(itten ReC7est lette( ate N!ve86e( 41, 4115
inf!(8in, t'e Defenant t'at it 'a faile t! (e.!(t 'e( 8!(t,a,e .a%8ent 'ist!(% t! t'e
CRAs. Plaintiff i n!t (e/eive a (es.!nse f(!8 GMACM 7ntil afte( s'e l!,e a
/!8.laint -it' t'e De.a(t8ent !f C!(.!(ati!ns.
<1. In (es.!nse t! t'e /!8.laint, Defenants sent Plaintiff a n!ti/e -'i/' state GMACM
-!7l (e.!(t t! t'e CRAs Plaintiff@s 8!(t,a,e .a%8ent 'ist!(% in N!ve86e( 4115.
<0. Plaintiff sent t'e CRAs lette(s t! /'e/F if t'e (e.!(tin, .(!8ise -as !ne as -ell as
(eC7estin, t'e CRAs t! (e.!(t 'e( 8!(t,a,e as a ne- a//!7nt. Plaintiff (e/eive
(es.!nses f(!8 t'e CRAs statin, t'at t'e Defenants a(e s76s/(i6e(s an f7(nis'e(s !f
inf!(8ati!n an t'at t'e Defenants had 34t (e.!(te Plaintiff@s 8!(t,a,e 'ist!(% in
N!ve86e( 4115.
<4. Plaintiff sent Defenants a /e(tifie lette( !f /!8.laint ate N!ve86e( <1, 4115 an
atta/'e /!.ies !f t'e /!((es.!nen/es s'e (e/eive f(!8 t'e CRAs statin, t'at
Defenant@s neve( s768itte Plaintiff@s 8!(t,a,e .a%8ent 'ist!(% in N!ve86e( 4115.
<<. In De/e86e( 4115 Defenant@s -illf7ll% an 8ali/i!7sl% -it' t'e intent t! f7(t'e(
'a(8e Plaintiff@s /(eit 6% 8an7fa/t7(in, false inf!(8ati!n an (e.!(tin, ina//7(ate
ata t! t'e CRAs. Defenants s768itte t'e 8!(t,a,e 'ist!(% .a%8ent (e.!(t Fn!-in,
it -as n!t'in, 8!(e t'e a /!8.!site !f lies an !t'e( e((!ne!7s ata.
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<?. #!( e>a8.le, GMACM (e.!(te Plaintiff -as st(7,,lin, t! 8aFe 'e( 8!(t,a,e
.a%8ents an 'a (eC7este an -as ,(ante a f!(6ea(an/e a,(ee8ent. T'is
inf!(8ati!n -as /ate,!(i/all% false.
<2. Instea !f (et(a/tin, an (e8!vin, t'e ina//7(ate f7(nis'e in t'e De/e86e( 4115
(e.!(t, GMACM ele/te t! vi!late t'e la- 6% failin, t! /!8.l% -it' t'e (eC7i(e8ents
i8.!se 7ne( #CRA, in/l7in, 67t n!t li8ite t!, failing to follow reasonable
procedures to assure maximum possible accuracy !f t'e inf!(8ati!n (e.!(te t! t'e
CRA@s (e,a(in, Plaintiff@s 8!(t,a,e 'ist!(%.
<5. Defenant@s f7(nis'e inf!(8ati!n in De/e86e( !f 4115 t! T(ans $ni!n -'i/' state
t'at Plaintiff@s l!an a8!7nt 'a in/(ease an t'at t'e in/(ease /!nsiste !f 'e( /7((ent
8!(t,a,e .a%8ent !f ;4,1?=.<< -it' an aiti!nal .e( ie8 inte(est late fee !f ;53.?1,
6!t' a8!7nts -e(e ae t! t'e 6a/F en !f Plaintiff@s !(i,inal five %ea(s inte(est !nl%
l!an. T'e !(i,inal a8!7nt -as ;<30,411. B% GMACM in/(easin, 'e( l!an a8!7nt t!
;<3<,<03 it i(e/tl% inte(fe(e an /'an,e t'e te(8s !f t'e !(i,inal /!nt(a/t Plaintiff
'a -it' MIT f!( a l!an a8!7nt !f ;<30,411 fi>e f!( five &2+ %ea(s.
<3. Defenant@s als! falsel% (e.!(te in De/e86e( 4115 t! E>.e(ian an EC7ifa> t'at
t'e a//!7nt -as in is.7te an /l!se /a7sin, 'e( 8!(t,a,e 'ist!(% n!t t! 6e (ate an
in/l7e as .a(t !f 'e( /(eit s/!(e. Defenant@s a/ti!n /a7se t'e Plaintiff@s /(eit
s/!(e t! ete(i!(ate even f7(t'e( an (es7lte in t'e Plaintiff 6ein, 7na6le t! !6tain
/(eit.
<:. Defenant@s t(ansfe((e t'e se(vi/in, (i,'ts t! Plaintiff@s l!an t! A8e(i/as Se(vi/in,
C!8.an% in De/e86e( 4115. $n6eFn!-nst t! t'e Plaintiff, afte( t(ansfe((in, t'e
se(vi/in, (i,'t GMACM /!ntin7e t! (e.!(t ne,ative /(eit inf!(8ati!n a6!7t t'e
Plaintiff@s t! t'e CRAs.
<=. Defenant@s /!ntin7e t! 'a(8 Plaintiff 6% a//essin, 'e( /(eit -it'!7t 'e( Fn!-le,e
an /!nsent. C!ns78e( la- .(!'i6its GMACM !( an% f!( t'at 8atte( f(!8 a//essin,
Plaintiff@s /(eit (e.!(t -it'!7t 'e( .(i!( -(itten /!nsent. Even afte( GMACM -as n!
l!n,e( t'e se(vi/in, /!8.an% f!( 'e( l!an it /!ntin7e t! ille,all% invae Plaintiff@s
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.(iva/% 6% a//essin, 'e( /(eit. T'e Defenant /!ntin7e t! 'a(8 Plaintiff@s /(eit
(e.7tati!n 6% /!ntin7!7sl% (e.!(tin, ne,ative an false inf!(8ati!n afte( it n! l!n,e(
se(vi/e 'e( l!an.
?1. Defenant@s a(e f7(nis'e(s !f /(eit inf!(8ati!n t! t'e CRA@s an a(e (eC7i(e 6% la-
t! n!tif% Plaintiff -'en ne,ative inf!(8ati!n t'e% 'ave s768itte t! t'e CRAs 'as
6een .la/e !n Plaintiff@s /(eit (e.!(t. In vi!lati!n !f /!ns78e( /(eit la-s GMACM
(e.!(te false an ina//7(ate inf!(8ati!n /!n/e(nin, Plaintiff in De/e86e( 4115 an
A7,7st 411: an faile t! n!tif% Plaintiff t'at t'e% 'a taFen s7/' a/ti!n. Defenant@s
a/ti!n e.(ive Plaintiff !f t'e !..!(t7nit% t! is.7te t'e ve(a/it% !f t'e inf!(8ati!n
s768itte, !6Ae/t t! its in/l7si!n !n 'e( /(eit (e.!(t, t! taFe -'ateve( a/ti!ns
ne/essa(% t! .(!te/t 'e( /(eit 'ist!(% an .(ese(ve 'e( (e.7tati!n as an '!nest .e(s!n
-'! .ai 'e( e6ts.
+

?0. T'e #ai( Isaa/ /(eit s/!(in, 8!el is 7se in t'e /(eit (e.!(tin, in7st(% t! ,ene(ate
a /!ns78e( /(eit s/!(es 6ase !n inf!(8ati!n !6tain a6!7t a /!ns78e(. S/!(es a(e
ete(8ine 6% iffe(ent fa/t!(s -'i/' a(e /al/7late as .e(/enta,es. Defenant@s
ne,ativel% i8.a/te Plaintiff@s /(eit s/!(e in t'e f!ll!-in, a(eas" <29 f!( .a%8ent
'ist!(%, <19 f!( Ca.a/it%, an 029 f!( len,t' !f /(eit 'ist!(% -'i/' -'en t!tale an
a//!7nts f!( :19 !f Plaintiff@s /(eit s/!(e.
?4. As a (es7lt !f Defenant@s vi!lati!ns !f t'e #CRA, Plaintiff 'as 6een enie /(eit an
e8.l!%8ent !..!(t7nities. He( .e(s!nal an 67siness (e.7tati!ns 'ave 6een seve(el%
ta(nis'e. Havin, 6een te((!(iEe 6% t'e Defenants (elentless /a8.ai,n t! e.(ive 'e(
!f '!8e an e/i8ate 'e( finan/ial -ell 6ein, Plaintiff 'as e>.e(ien/e an /!ntin7es
t! e>.e(ien/e e>t(e8e an,7is', .ani/ atta/Fs, e8!ti!nal st(ess, e.(essi!n, an>iet%,
fea(, e86a((ass8ent, f(7st(ati!n, an '78iliati!n. Plaintiff 'as als! 6een '!s.italiEe
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Study Of Information Sharing: #ee(al stat7es (eC7i(e fee(al finan/ial se(vi/es an t'e #TC t! st7% t'e
f!ll!-in," t'e .7(.!ses f!( -'i/' affiliate s'a(in, inf!(8ati!n is 7se; t'e t%.es !f inf!(8ati!n s'a(e -it'
affiliates; /'!i/es .(!vie t! /!ns78e(s (e,a(in, /!nt(!l !f s'a(in, an t'e e,(ee t! -'i/' /!ns78e(s 7se
!.ti!ns; if inf!(8ati!n is 7se f!( employment or hiring, !( for general publication of such information; and the
information sharing practices that financial institutions and other creditors and users of consumer reports
employ for purposes of credit underwriting or evaluation
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f!( a/7te /'est .ains . Defenants -e(e a i(e/t an .(!>i8ate /a7se !f 'a(8 t! t'e
Plaintiff.
COUNT SEVEN
VIOLATION OF THE TRUTH AND LENDING ACT
(6TILA7.
Da!8' I3te1est )he3 Pa'2e3ts A1e Made A9te1 D0e Date.
?<. M!st 8!(t,a,e l!ans 'ave ,(a/e .e(i!s, 7(in, -'i/' a 6!((!-e( 8a% 8aFe t'e
8!nt'l% .a%8ent afte( t'e 7e ate -it'!7t in/7((in, a late /'a(,e. T'e late /'a(,es a(e
assesse as a .e(/enta,e !f t'e 8!nt'l% 8!(t,a,e .a%8ent.
??. G'ile it 8a% 6e .(!.e( f!( a lene( t! /'a(,e ail% inte(est late fee -'en t'e l!an
s! .(!vies !n t'e .a%!ff e8an, '!-eve(, it is e/e.tive f!( a lene( t! /'a(,e
a late fee as -ell as ail% inte(est late fee 6ef!(e t'e 02 a% ,(a/e .e(i! e>.i(es.
?2. T'e Defenant@s vi!late TILA 6% e/e.tivel% /'a(,in, a 7.f(!nt late fee !n t'e
N!ve86e( 4115 .a%!ff e8an .(i!( t! t'e 02 a% ,(a/e .e(i!. T'e
Defenant@s -e(e .(!'i6ite 6% TILA f(!8 /'a(,in, an 7na7t'!(iEe 7.f(!nt late
fee .(i!( t! t'e e>.i(ati!n !f t'e 02 a% ,(a/e .e(i! !( atte8.tin, t! /!lle/t t'e
7na7t'!(iEe fee. Defenant@s a(e !nl% all!-e t! /'a(,e a ail% inte(est late fee
if t'e ne- l!an /l!ses afte( t'e 02
t'
a% !f t'e 8!nt' an ea/' a% t'e(eafte(.
?5. Plaintiff si,ne 'e( !(i,inal l!an !/78ents in A.(il 4115. T'e l!an a,(ee8ent
sti.7late t'at Plaintiff 8!(t,a,e .a%8ent is 7e t'e fi(st a% !f ea/' 8!nt'. T'e
a,(ee8ent als! states t'at if t'e Plaintiff fails t! .a% 'e( 8!(t,a,e install8ent 6%
t'e 02
t'
a% !f t'e 8!nt' s'e 6e/!8es !6li,ate t! .a% a 59 late fee afte( t'e
02t' a% !f t'e ,(a/e .e(i!. Defenants e((!ne!7sl% a//esse .laintiff@s a//!7nt
a late fee !f ;044.=2 !n N!ve86e( 5, 4115.
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?3. Denise Pe((i//i, -'! is a title !ffi/e( -it' #inan/ial Title, 8ae n78e(!7s .'!ne
/alls !n t'e Plaintiff@s 6e'alf (eC7estin, Defenants t! sen 'e( a8ene title
inst(7/ti!ns t! (e8!ve t'e 7na7t'!(iEe late fee !f ;044.=2. Defenants (ef7se
t! sen 'e( a8ene title inst(7/ti!ns -'i/' -!7l 'ave all!-e f!( t'e eleti!n
!f t'e 7na7t'!(iEe late /'a(,e Plaintiff i n!t !-e.
?:. As a (es7lt !f Defenants vi!latin, TILA 6% (ef7sin, t! /!((e/t its a//!7ntin, e((!(.
Plaintiff 6e/a8e /!n/e(ne as t! t'e Defenants '!nest% an a6ilit% t! /!((e/tl%
a//!7nt f!( an a8iniste( 'e( 8!(t,a,e. Plaintiff -as /a7se t! s7ffe( -!((%, fea(,
ist(ess, f(7st(ati!n, an 8ental an,7is' an '!s.italiEati!n f!( /'est .ains all t! 'e(
a8a,es in t'e a8!7nt t! 6e ete(8ine 6% t'e A7(%. Defenant@s -e(e a i(e/t an
.(!>i8ate /a7se !f 'a(8 t! Plaintiff .
COUNT EIGHT
VIOLATION OF RESPA
?=. On J7l% 0?, 4115 GMAC M!(t,a,e LLC -as t'e se(vi/e( !f Plaintiff@s 8!(t,a,e an
-as (eC7i(e t! a'e(e t! an /!8.l% -it' 04 $.S.C.B4512 &RESPA+. GMAC
M!(t,a,e LLC faile t! /!8.l% -it' t'e RESPA (eC7i(e8ents.
21. Plaintiff sent GMAC 8!(t,a,e LLC t'(ee /e(tifie C7alifie -(itten (eC7est
&'e(einafte( )KGR*+ ate N!ve86e( 41, 45, <1 !f 4115 (e,a(in, its fail7(e t! (e.!(t
Plaintiff@s 8!(t,a,e t! t'e CRA@s afte( it 'a 6een t'e se(vi/e( f!( 51 a%s. Plaintiff@s
KGRs asFe t'e Defenant t! (e.!(t 'e( 8!(t,a,e an (e8!ve t'e -(!n,f7ll%
/'a(,e late fee f(!8 t'e .a%!ff state8ent.
20. GMAC 8!(t,a,e vi!late 04 $.S.C.B4512 6% n!t a/Fn!-le,in, (e/ei.t !f Plaintiff@s
-(itten (eC7ests -it'in 41 a%s as (eC7i(e 6% RESPA. GMAC als! vi!late se/ti!n 5
!f RESPA -'en it faile t! investi,ate iss7es (aise in Plaintiff Ls KGRs an .(!vie
'e( -it' a -(itten (e.!(t -it'in t'e 51 a%s as (eC7i(e 6% RESPA.
24. GMAC 8!(t,a,e LLC -as .(!'i6ite 7ne( RESPA f(!8 (e.!(tin, an% ne,ative !(
ina//7(ate inf!(8ati!n 7(in, t'e 51 a% investi,ati!n .e(i!. S.e/ifi/all% GMAC
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M!(t,a,e LLC vi!late 04 $.S.C.B4512&e+&I+&A+;&0+&/+;&/+&4+;&e+&4+;&e+&<+; As a (es7lt
!f t'e a6!ve vi!lati!ns, Plaintiff 'as 6een a8a,e an is entitle t! a8a,es an /!sts
.7(s7ant t! 04$.S.C.B4512&f+. Defenants a/ti!ns -e(e t'e i(e/t an .(!>i8ate /a7se
!f 'a(8 t! t'e Plaintiff.
COUNT NINE
NEGLIGENT NONDISCLOSURE B: FIDUCIAR:
&A,ainst All Defenant@s +
2<. A fi7/ia(% (elati!ns'i. e>iste 6et-een t'e Plaintiff an t'e Defenant@s t'at (eC7i(e
t'e 'i,'est ,!! fait' an t'e 7nivie se(vi/e an l!%alt%. Defenant@s .!ssesse
inf!(8ati!n 8ate(ial t! Plaintiff@s inte(est. Defenant Fne- !( s'!7l 'ave Fn!-n t'at
t'e false inf!(8ati!n f7(nis'e t! t'e CRAs -as !f 8ate(ial inte(est t! Plaintiff a6ilit%
t! (efinan/e in 4115.
2?. Defenant@s faile t! is/l!se t'is 8ate(ial inf!(8ati!n t! Plaintiff an /!n/eale t'e
fa/t t'e% intene t! (e.!(t false an ne,ative inf!(8ati!n t! t'e CRAs a6!7t Plaintiff@s
8!(t,a,e 'ist!(%. T'is n!nis/l!s7(e /a7se Plaintiff t! s7ffe( inA7(%, a8a,e, l!ss an
'a(8. Defenants /!n/eal8ent !f 8ate(ial fa/ts -as a i(e/t an .(!>i8ate /a7se !f
'a(8 t! t'e Plaintiff.
COUNT TEN
NEGLIGENT INFLICTION OF EMOTION DISTRESS
22. Defenant@s -e(e all ne,li,ent in t'e 'anlin, an se(vi/in, !f 'e( l!an. Defenant@s
e((!ne!7sl% /lai8e Plaintiff faile t! ti8el% .a% 'e( 8!(t,a,e. Defenants@ !-n
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a//!7ntin, (e/!(s /lea(l% s'!-s t'at Plaintiff -as n!t elinC7ent !n 'e( 8!(t,a,e
!6li,ati!n.
25. Instea !f /!((e/tin, its e((!( an si8.l% a.!l!,iEin, t! t'e Plaintiff t'e Defenants
/'!se t! /!8.!7n t'ei( ne,li,en/e 6%" 0+ (ef7sin, t! (e8!ve t'e late /'a(,e fee; 4+
an i,n!(in, Plaintiff@s (eC7est t'at 'e( /(eit 'ist!(% 6e (e.!(te t! t'e CRAs 7ntil s'e
!ffi/iall% file a /!8.laint -it' t'e De.a(t8ent !f C!(.!(ati!n.
23. In f7(nis'in, ina//7(ate inf!(8ati!n t! t'e CRA@s a s'a(.l% /as/ain, tie( effe/t
(es7lte -'i/' /a7se Plaintiff t! 6e enie e8.l!%8ent; efen a,ainst a -(!n,f7l
an f(a77lent f!(e/l!s7(e a/ti!n, t'e neelessl% filin, f!( C'a.te( 3 an C'a.te( 0<
6anF(7.t/% .(!te/ti!n t! av!i t'e 7n-a((ante an ille,al f!(feit7(e !f 'e( '!8e.
2:. T'e Defenant@s /!n7/t -as !7t(a,e!7s. Plaintiff 'as 6een an /!ntin7es t! 6e
te((!(iEe 6% t'e Defenant@s /!8.li/it% an 7.li/it% in /!88ittin, f(a7, fail7(e t!
is/l!se 8ate(ial fa/ts an e/e.tive a/ti!ns. As a i(e/t an .(!>i8ate /a7se !f
Defenant@s 7n-a((ante a/ts. Plaintiff 'as s7ffe(e 8ental an,7is', seve(e e8!ti!nal
ist(ess, f(i,'t, '!((!(, ne(v!7sness, ,(ief, .ani/ atta/Fs, e.(essi!n, an>iet%, -!((%,
s'!/F, '78iliati!n an s'a8e.
2=. Plaintiff 'a t! 6e '!s.italiEe !n n78e(!7s !//asi!ns f!( /'est .ains an !t'e( 'ea(t
atta/F liFe s%8.t!8s. T'e Defenant@s a/ti!ns /a7se s7/' t7(8!il in Plaintiff@s life
t'at 'e( t(eatin, .'%si/ian .(es/(i6e 8ei/ati!n t! 'el. 'e( e8!ti!nall% an .'%si/all%
/!nten -it' t'e '!((ifi/ st(ess t'at Defenant@s a/ti!ns -e(e /a7sin, 'e(. Plaintiff
s7ffe(e e8!ti!nal ist(ess t'at a (eas!na6le .e(s!n -!7l 6e 7na6le t! /!.e -it' in
t'e sa8e /i(/78stan/es. Defenant@s ne,li,en/e -as a s76stantial fa/t!( in /a7sin,
Plaintiff se(i!7s e8!ti!nal ist(ess.
COUNT ELEVEN
DEFENDANT;S ARE ESTOPPED FROM ASSERTING STATUE OF LIMITATIONS
DEFESNSE
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51. In (es.!nse t! a settle e8an in A.(il !f 411:. GMACM@s att!(ne% avise Plaintiff
s'e -as n!t all!-e t! file 'e( s7it in t'e fee(al ist(i/t /!7(t. Plaintiff (elie !n
Defenant@s avi/e an t'e(ef!(e i n!t ti8el% e>e(/ise 'e( (i,'t t! file a la-s7it t!
.(!te/t 'e( fee(al /a7ses !f a/ti!ns.
50. Plaintiff i n!t is/!ve( 7ntil afte( t'e stat7te !f li8itati!n 'a e>.i(e t'at t'e
Defenant@s att!(ne% 'a intenti!nall% e/eive 'e( 6% avisin, 'e( in/!((e/tl% a6!7t
'e( le,al (i,'t t! .(!/ee in fee(al ist(i/t /!7(t.
54. Plaintiff /!ntens t'at t'e stat7te !f li8itati!n s'!7l 6e t!lle 6e/a7se t'e Defenant@s
la-%e( a/te in 6a fait' -'en 'e 8isinf!(8e Plaintiff, -'! is a la% .e(s!n. Plaintiff
asF t'at t'e C!7(t taFe 7ne( /!nsie(ati!n t'at !n/e .laintiff 6e/a8e a-a(e !f 'e(
(i,'ts s'e e>.eiti!7sl% .(!/eee t! file t'is instant a/ti!n. Defenants@ 6e'avi!(
-'i/' -as 7net'i/al an 7n/!ns/i!na6le -as i(e/t an .(!>i8ate /a7se !f 'a(8 t!
t'e Plaintiff.
COUNT T)EVELE
PROFESSIONAL NEGLIGENCE
&A,ainst Defenant MIT+
5<. T'e Defenant 'a a le,al 7t% t! /!nf!(8 t! a stana( 7t% !f /!n7/t as all !t'e(
lene(s .(a/ti/in, in t'e sa8e .(!fessi!n. T'e Defenant@s is a M!(t,a,e Lene( t'at
.e(f!(8s .(!fessi!nal se(vi/es f!( /!ns78e(s.
5?. T'e Defenant, MIT !-e t'e Plaintiff t'e 7t% !f (e.!(tin, 'e( 8!(t,a,e 'ist!(% t!
t'e CRAs afte( its a,ent GMACM faile t! ! s!. Defenant@s t(ansfe((e t'e
se(vi/in, (i,'ts !f Plaintiff@s fi(st l!an !n J7l% 0?, 4115 t! GMACM. as t'e !-ne( an
'!le( !f .laintiff n!te, MIT still -as (es.!nsi6le an 'el /!nt(!l !f Plaintiff@s
8!(t,a,e an n!te. Defenant faile t! /!nf!(8 t! t'e stana( 7t% !f /!n7/t t'at all
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!t'e( lene(s .(a/ti/in, in t'e sa8e .(!fessi!n a'e(e t! -'en (e.!(tin, (esiential
8!(t,a,e 'ist!(% t! t'e CRA@s afte( 51 a%s !f se(vi/in, f!ll!-in, t'e t(ansfe( !f
se(vi/in, (i,'ts.
52. SPS f!(8all% Fn!-n as &#ai(6anFs Ca.ital C!(.!(ati!n+ is a .(!fessi!nal 8!(t,a,e
se(vi/in, /!8.an% t'at .(a/ti/es in t'e sa8e .(!fessi!n an /a.a/it% as GMACM in
se(vi/in, (esiential l!ans t'at a(e t(ansfe((e t! t'e8. MIT t(ansfe((e t'e se(vi/in,
(i,'ts !f Plaintiff@s se/!n 8!(t,a,e t! SPS !n J7l% <, 4115. #!ll!-in, 51 a%s !f
se(vi/in, afte( t'e t(ansfe( !f Plaintiff@s l!an, SPS (e.!(te Plaintiff@s 8!(t,a,e 'ist!(%
t! t'e CRA@s in O/t!6e( !f 4115.
55. MIT t(ansfe((e t'e se(vi/in, (i,'ts !f Plaintiff@s fi(st l!an t! t'e GMACM !n J7l%
0?, 4115. #!ll!-in, 51 a%s !f se(vi/in, afte( t'e t(ansfe( !f Plaintiff@s l!an
GMACM faile t! (e.!(t Plaintiff@s l!an t! t'e CRAs. T'e MIT t'en t(ansfe((e t'e
se(vi/in, (i,'ts !f Plaintiff@s fi(st l!an a-a% f(!8 GMACM in De/e86e( !f 4115 t!
A8e(i/a@s Se(vi/in, C!8.an%. #!ll!-in, 51 a%s !f se(vi/in, afte( t'e t(ansfe( !f
Plaintiff@s l!an, A8e(i/an Se(vi/in, C!8.an% (e.!(te Plaintiff@s 8!(t,a,e 'ist!(% t!
t'e CRA@s in #e6(7a(% 4113.
53. All Lene(s an BanFs .(a/ti/in, in t'e sa8e .(!fessi!n as t'e Defenant@s t'at se(vi/e
ne-l% t(ansfe((e (esiential l!ans /!nf!(8 t! t'e sa8e .(a/ti/e an .(!t!/!l !f
(e.!(tin, a /!ns78e(@s (esiential 8!(t,a,e 'ist!(% t! t'e CRA@s afte( 51 a%s !f
se(vi/in, f!ll!-in, a t(ansfe( !f se(vi/in, (i,'ts.
5:. MIT an its a,ent GMACM faile t! /!nf!(8 t! t'is stana( !f /!n7/t 6% n!t
(e.!(tin, Plaintiff@s 8!(t,a,e 'ist!(% t! t'e CRA@s afte( 51 a%s !f se(vi/in, Plaintiff@s
l!an f!ll!-in, t'e t(ansfe( !f se(vi/in, (i,'ts. T'e Defenant@s fail7(e -as t'e
.(!>i8ate an le,al /a7se !f inA7(% an a8a,es t! Plaintiffs /(eit.
COUNT THIRTEEN
BREACH OF CONTRACT
&A,ainst MIT+
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5=. Plaintiff an Defenant@s ente(e int! a 8!(t,a,e /!nt(a/t !n A.(il 40, 4115. Plaintiff
f7lfille 'e( !6li,ati!ns .7(s7ant t! t'e 8!(t,a,e /!nt(a/t. GMACM as se(vi/e( !f t'e
l!an 6(ea/'e t'e 8!(t,a,e a,(ee8ent 6% /'a(,in, t'e Plaintiff an 7n-a((ante late
fee. MIT -as t'e .(in/i.le -'! 'a a 7t% t! !ve(see t'e a/ts an !8issi!ns !f its
se(vi/in, a,ent GMACM. MIT /lea(l% state t'at alt'!7,' t'e l!an se(vi/in, (i,'ts 'a
6een t(ansfe((e t! its a,ent GMACM, all t'e !(i,inal te(8s !f t'e 8!(t,a,e /!nt(a/t
-!7l (e8ain t'e sa8e.
31. GMACM 6(ea/' t'e /!nt(a/t -'en it /'a(,e t'e Plaintiff a late fee 6ef!(e t'e
e>.i(ati!n !f t'e 02 a% ,(a/e .e(i!. MIT all!-e GMACM t! 6(ea/' t'e /!nt(a/t a
se/!n ti8e -'en it in/(ease t'e .(in/i.le a8!7nt !f t'e l!an f(!8 ;<30,411 t!
;<3<,<03 an t'en (e.!(t t'e in/(ease a8!7nt t! t'e CRA@s -it'!7t n!tif%in, t'e
Plaintiff t'at t'e te(8s !f 'e( /!nt(a/t 'a /'an,e. Defenant@s als! faile t!
a//7(atel% (e.!(t Plaintiff@s .a%8ent 'ist!(%, i n!t n!tif% t'e Plaintiff t'at it 'a
s768itte ina//7(ate an false inf!(8ati!n t! t'e CRAs an (ef7se t! /!((e/t !(
(et(a/t its /(eit (e.!(tin, e((!(s. MIT faile t! !ve(see a,ent GMACM se(vi/in,
.(a/ti/es an /!((e/t GMACM@s ne,li,ent a/ts.
30. T'is fail7(e -as a e(eli/ti!n !f it 7t% t! se(vi/e, !(, ins7(e t'at it a,ent .(!.e(l%
se(vi/e Plaintiffs l!an. Plaintiff alle,es t'at Defenants 6(ea/' !f t'e 8!(t,a,e
/!nt(a/t /a7se Plaintiff i((e.a(a6le 'a(8 f!( -'i/' s'e s'!7l 6e /!8.ensate an f!(
-'i/' t'e Defenants s'!7l 6e .7nis'e. Defenant@s 6(ea/' !f t'e te(8s !f t'e
!(i,inal 8!(t,a,e a,(ee8ent -as t'e i(e/t an a..(!>i8ate /a7se !f 'a(8 t! Plaintiff.
COUNT FOURTEEN
BREACH OF THE IMPLIED COVENT OF GOOD FAITH AND FAIR DEALING
&A,ainst MIT+
34. T'e -(itten /!nt(a/t 6et-een Plaintiff an MIT is s76Ae/t t! t'e .(in/i.le !f a I8.lie
C!venant !f G!! #ait' an #ai( Dealin, -'i/' is in'e(ent in all /!nt(a/ts an l!an
a,(ee8ents ente(e int! in Calif!(nia. A lene( 'as a 7t% t! e>e(/ise is/(eti!n in
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,!! fait' -it'in t'e stana( !f fai( ealin,s. &se/ti!n <5"03,B0"5&t'e I8.lie
C!venant !f G!! #ait' an #ai( Dealin,+.
3<. T'e Defenant@s 6(ea/'e t'e i8.lie /!venant !f ,!! fait' an fai( ealin,s as
f!ll!-s" +. N!ve86e( 4115 MIT all!-e its a,ent GMACM t! i8.(!.e(l% /'a(,e
Plaintiff a late fee an t'en (ef7se t! (e8!ve t'e late fee afte( Plaintiff is.7te t'e
/'a(,es; (. MIT faile t! 8!nit!( GMACM se(vi/in, .(a/ti/e -'! faile t! (e.!(t
Plaintiff@s 8!(t,a,e 'ist!(% t! t'e CRAs afte( 51 a%s !f se(vi/in, %. MIT all!-e its
a,ent GMACM t! /'an,e t'e te(8s !f t'e /!nt(a/t 6% in/(easin, t'e !(i,inal l!an
a8!7nt !f ;<30,411 6% ;4003.11 as (e.!(te t! t'e CRAs an 6% ain, t'at a8!7nt
t! t'e 6a/F en !f Plaintiffs l!an a8!7nt in/(easin, t'e l!an a8!7nt t! ;<3<,<03.
Plaintiff@s l!an an /!nt(a/t a,(ee8ent -it' MIT -as n!t a f!( a .a% !.ti!n a(8 l!an
in -'i/' t'e inte(est !nl% 8!nt'l% .a%8ents a(e ae t! t'e 6a/F en !f t'e l!an t!
in/(ease t'e .(in/i.le l!an a8!7nt. Plaintiff@s l!an -as a five &2+ fi>e inte(est !nl%
l!an in -'i/' t'e .(in/i.le l!an -!7l (e8ain t'e sa8e an fi>e f!( t'e te(8 !f five
&2+ %ea(s.
3?. Plaintiff@s -as n!t 6e'in in an% !f 'e( 8!(t,a,e .a%8ents an i n!t nee !( (eC7est
a f!(6ea(an/e a,(ee8ent. Plaintiff i n!t (ene,!tiate t'e te(8s !f t'e A.(il 4115
8!(t,a,e /!nt(a/t -it' MIT n!( its a,ent GMACM, s'e i n!t a,(ee t! (efinan/e !(
!t'e(-ise in/(ease t'e !(i,inal l!an a8!7nt t! ;<30,411.
32. Plaintiff alle,es t'at t'e MIT an GMACM 6(ea/'e t'e 8!(t,a,e /!nt(a/t 6%
7nilate(all% /'an,in, t'e /!nt(a/t te(8s !f a8!7nt !-e 6% Plaintiff. T'e Defenant@s
a,ent GMACM 7nfai(l% inte(fe(e -it' Plaintiff@s (i,'t t! (e/eive t'e 6enefits !f t'e
/!nt(a/t. As a (es7lt !f t'e 6(ea/' !f t'e I8.lie C!venant !f G!! #ait' an #ai(
Dealin, as set f!(t' a6!ve, Plaintiff 'as 6een a8a,e an seeFs an% an all
/!8.ensati!n t! -'i/' s'e is entitle as Defenants@ a/ti!ns (es7lte in t'e i(e/t an
.(!>i8ate /a7se !f 'a(8 t! Plaintiff.
COUNT FIFTEEN
VIOLATION OF THE BUSINESS AND PROFESSIONS CODE +<(&&
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35. T'e a/ti!ns !f t'e Defenants, -'i/' is es/(i6e a6!ve /!nstit7tes an is in/!(.!(ate
'e(ein 6% (efe(en/e, a(e 7nfai( 67siness an /!ns78e( .(a/ti/es t'at vi!lates Calif!(nia
B7siness an P(!fessi!ns C!e B03411. -'i/' s.e/ifi/all% states t'e a6!ve .(a/ti/es
a(e .(!'i6ite.
33. As a (es7lt !f Defenants vi!latin, B03411, Plaintiff 'as s7ffe(e a8a,e t! 'e( /(eit
an s7ffe(e t(e8en!7sl% e8!ti!nall% an .'%si/all% ist(ess. Plaintiff seeFs all
8!neta(% (elief t! -'i/' s'e is entitle.
3:. #7(t'e(, Plaintiff seeFs inA7n/tive (elief in t'e f!(8 !f a .e(8anent inA7n/ti!n
.(!'i6itin, GMACM !( MIT f(!8 te((!(iEin, an t'(eatenin, t'e Plaintiff /(eit 6%
vi!latin, t'e Calif!(nia C!ns78e( P(!te/ti!n Stat7tes. Defenant@s a(e t'e i(e/t an
.(!>i8ate !f 'a(8 t! Plaintiff. Plaintiff@s seeFs all a8a,es.
COUNT SI*TEEN
VIOLATION OF CIVIL CODE +<,& LEGAL REMEDIES ACT
3=. T'e Calif!(nia C!ns78e( Le,al Re8eies A/t&)CLRA*+ is set f!(t' in Civil
C!eB0321. T'e CLRA -as .(!87l,ate t! .(!te/t /!ns78e(s f(!8 e/e.tive an
is'!nest .(a/ti/es 6% vene(s an .(!vie(s !f 67siness se(vi/es in Calif!(nia.
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:1. T'e /!n7/t !f GMACM as set f!(t' 'e(ein vi!lates B0331&A+&2+an&3+. Defenant
(e.(esente it .!ssesse t'e sFills an Fn!-le,e ne/essa(% t! se(vi/e t'e Plaintiff
8!(t,a,e.
:0. GMACM@s .!li/ies an .(a/ti/e a(e s76stana( an ! n!t 8eet t'e 8ini878
in7st(% stana(s !f C7alit% f!( se(vi/in, (esiential 8!(t,a,es. GMACM@s .!li/ies
! n!t /!8.l% -it' t'e a..li/a6le State an #ee(al Stat7es ,!ve(nin, 8!(t,a,e
t(ansfe(s an l!an se(vi/in,. N!( !es GMACM /!8.l% -it' state la-s ,!ve(nin, t'e
.(!te/ti!n !f /!ns78e( /(eit (i,'ts.
:4. Base !n Defenant@s vi!lati!n !f t'e CLRA, Plaintiff 'as 6een a8a,e an seeFs all
stat7t!(% a8a,es .(!vie 7ne( Civil C!eB03:1 in/l7in, a/t7al a8a,es, .7nitive
a8a,es an all !t'e( (elief as t'e C!7(t ee8s .(!.e(.
:<. Defenants ine.tit7e an ne,li,en/e is .a(ti/7la(l% (e.7,nant an e,(e,i!7s in t'at
GMACM a/ti!ns -e(e f(a77lent, !..(essive, 8ali/i!7s, an -as !ne -it' t'e intent
t! 'a(8 Plaintiff.
:?. Defenants a/ti!ns /a7se Plaintiff si,nifi/ant 'a(8 affe/tin, 8an% as.e/ts !f 'e( life.
Defenants effe/tivel% (7ine 'e( /(eit, est(!%e 'e( (e.7tati!n, /a7se 'e( .'%si/al
.ain an s7ffe(in,, an !ve(-'el8in, 8ental an,7is'. Defenants .(evente Plaintiff
f(!8 (efinan/in, 'e( '!8e in 4115 an /a7se 'e( t! l!se t'!7sans !f !lla(s in eC7it%.
T'e 8is(e.(esentati!ns 8ae in t'e /(eit .a%8ent 'ist!(% t'e Defenants file -it'
t'e CRAs /a7se Plaintiff t! 6e 7na6le t! se/7(e ,ainf7l e8.l!%8ent -it' an% 6anFin,,
lenin, an n!nMlenin, instit7ti!n t'at .7lls /(eit an 7ses it as 'i(in, /(ite(ia f!(
e8.l!%8ent.
:2. Plaintiff alle,es t'at Defenant@s ille,al a/ti!ns, 7net'i/al 6e'avi!(, an /all!7s attit7e
infli/te a t(e8en!7s a8!7nt !f 'a(8 an 'a(s'i. !n Plaintiff. Defenants a/ti!ns
'ave ,!ne 6e%!n t'e .ale an s'!7l 6e /!nsie(e -!(t'% !f n!t !nl% t'e a-a(
a/t7al an /!8.ensat!(% a8a,es, 67t, als! .7nitive an e>e8.la(% a8a,es.
Defenant@s a/ti!ns -e(e t'e i(e/t an .(!>i8ate /a7se !f 'a(8 t! Plaintiff.
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COUNT SEVENTEEN
FAILURE TO USE RESONABLE CARE
:5. Plaintiff /!ntens s'e -as 'a(8e 6% MIT@s fail7(e t! 7se (eas!na6le /a(e -'en 'i(in,
a l!an se(vi/in, /!8.an% t! a8iniste( 'e( l!an. MIT@s e/isi!n t! e8.l!% GMACM
t! se(vi/e Plaintiff l!an s'!-s its la/F !f 7e ili,en/e in investi,atin, GMACM t!
ete(8ine if GMACM -as !f ,!! (e.7tati!n, '!nest, e>.e(ien/e an sFille in
.(!.e(l% se(vi/e 8!(t,a,e l!ans.
:3. Plaintiff /!ntens t'at if MIT 'a /!n7/te even t'e 8!st ve(% 6asi/ investi,ati!n !f
GMACM it -!7l 'ave is/!ve(e t'at '7n(es, if n!t t'!7sans, !f /!ns78e(
/!8.laints 'a 6een file a,ainst GMACM f!( its ne,li,ent se(vi/in, .(a/ti/es.
::. MIT 'a a fi7/ia(% 7t% t! a/t in ,!! fait' an t! eal fai(l% -it' t'e Plaintiff, -'i/'
in/l7e, n!t 'i(in, a l!an se(vi/in, /!8.an% -'i/' 'a a is8al .76li/ (e/!( !f
8is'anlin, an 8ist(eatin, 8!(t,a,!(s. Plaintiff als! alle,es MIT faile t! 7se
(eas!na6le /a(e in /a((%in, !7t it fi7/ia(% 7t% -'en it 'i(e an in/!8.etent an ine.t
se(vi/in, /!8.an% as its a,ent an t'en faile t! s7.e(vise an inte(vene -'en its a,ent
faile anD!( (ef7se t! a6ie 6% t'e te(8s !f t'e 8!(t,a,e /!nt(a/t. S7(el%, MIT
(e/eive 8!nt'l% se(vi/in, (e.!(ts f(!8 GMACM an /!7l 'ave (eail% ete(8ine
t'at t'e(e -e(e is/(e.an/ies -it' (e,a( t! Plaintiff@s 8!(t,a,e a//!7nt.
:=. GMACM -as e8.l!%e 6% MIT an -as 7ne( /!nt(a/t t! se(vi/e Plaintiffs 8!(t,a,e
l!an. P7(s7ant t! t'e se(vi/e a,(ee8ent GMACM a/te !n 6e'alf !f MIT. As its a,ent
GMACM -as t! /!lle/t 8!nt'l% 8!(t,a,e .a%8ents an ,ene(ate 8!nt'l% se(vi/in,
(e.!(ts. GMACM -as als! (eC7i(e t! a//7(atel% (e.!(t 8!(t,a,e 'ist!(% .a%8ents t!
t'e CRAs.
=1. $ne( t'e la-s !f a,en/%, .laintiff 6elieves MIT is vi/a(i!7sl% lia6le f!( t'e -(!n,f7l
a/ts !f GMACM. GMACM faile t! a/t an 7se (eas!na6le /a(e -'ile se(vi/in,
Plaintiff@s l!an MIT as t'e .(in/i.al, an GMACM a/tin, as MIT@s a,ent en,a,e in
/!n7/t -'i/' -as a s76stantial fa/t!( in /a7sin, 'a(8 t! Plaintiff.
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COUNT EIGHTEEN
DEFAMATION OF CHARACTER
=0. T'e Defenant@s en,a,e in f7(nis'in, t'e CRA@s -it' false an ina//7(ate state8ents
a6!7t Plaintiffs 8!(t,a,e .a%8ent 'ist!(% Fn!-in, t'e inf!(8ati!n -!7l 6e availa6le
f!( .76li/ vie-. Defenant@s /lea(l% 7ne(st!! t'at f7(nis'in, -(!n,f7l inf!(8ati!n
a6!7t Plaintiff@s 8!(t,a,e 'ist!(% -!7l 6e vie- as a ne,ative (efle/ti!n !f Plaintiffs
8!(t,a,e 'ist!(%.
=4. Plaintiff alle,es t'at Defenants Fne- !( s'!7l 'ave Fn!-n t'at Plaintiff -!7l 6e
'a(8e 6% t'e .76li/ati!n !f false an ina//7(ate inf!(8ati!n as s7/' ne,li,ent
6e'avi!( -!7l effe/tivel% en% an%!ne a//essin, Plaintiff@s /(eit 'ist!(% a t(7e an
a//7(ate e.i/ti!n !f Plaintiff finan/ial 'ist!(% an /7((ent finan/ial stat7s.
=<. Plaintiff 'as in fa/t 6een 'a(8e 6% Defenant ne,li,en/e an 'as s7ffe(e 'a(8 t! 'e(
.(!.e(t%, 67siness, .(!fessi!n an !//7.ati!n /a7sin, 'e( t! s7ffe( s'a8e,
e86a((ass8ent, 8!(tifi/ati!n an (eAe/ti!n 6% 'e( f(iens an /!887nit%. T'e
state8ents 8ae 6% Defenant@s -as a s76stantial fa/t!( in /a7sin, Plaintiff 'a(8.
Plaintiff alle,es t'e Defenants intenti!nall% efa8e 'e( ,!! na8e an /'a(a/te(
an s'e 6e /!8.ensate a//!(in,l%.
COUNT NINETEEN
SPECIAL DOCTINE OF RES ISPA LOAUITUR
=?. Plaintiff@s 'a(8 !(ina(il% -!7l n!t 'ave 'a..ene 7nless s!8e!ne -as ne,li,ent.
T'e n!nM(e.!(tin, an t'en t'e ina//7(ate (e.!(tin, t! t'e CRA@s -as t'e /a7se !f ,(eat
'a(8 t! t'e Plaintiff t'at -as 7ne( t'e e>/l7sive /!nt(!l !f t'e MIT at t'e ti8e !f t'e
ne,li,ent a/t.
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=2. Plaintiff@s a/ti!ns i n!t /a7se !( /!nt(i67te t! t'e events t'at 'a..ene t! Plaintiff.
T'e Defenant@s ne,li,en/e -as t'e /a7seMinMfa/t !f t'e 'a(8, as -ell as, t'e
.(!>i8ate /a7se !f t'e 'a(8 t! Plaintiff.

COUNT T)ENT:
VIOLATION OF THE ROSENTHAL ACT
VIOLATION OT CAL. CIV. CODE SEC. +<$$
&A,ainst all Defenants+
=5. T'e Defenant@s vi!late Calif!(nia stat7es ,!ve(nin, e6t /!lle/ti!n .(a/ti/es, t'e
R!sent'al A/t an Cal. Civ. C!e, se/ti!n 03::. Defenant@s sent false /!887ni/ati!n
t! finan/ial title ini/atin, t'at Plaintiff !-e a late. Defenant@s i n!t is/l!se !n
t'e N!ve86e( 4115 .a% !ff e8an sent t! finan/ial title t'e 8!nt' t'e late fee -as
!-e, n!(, i t'e% eve( sen Plaintiff an% /!lle/ti!n lette(s e8anin, .a%8ent !f t'e
alle,e late fee. T'e title !ffi/e( )Denise Pe((7//i* n!tifie Defenant@s !f e((!( an
(eC7este t'e% (e8!ve t'e e((!ne!7s late fee an sen 'e( ne- title inst(7/ti!ns -it'
t'e (e8!val !f t'e late fee. Defenant@s (ef7se t! sen 'e( ne- title inst(7/ti!ns
eletin, t'e 7nA7stifie late fee.
=3. Plaintiff !(e(e a s7..le8ental /(eit (e.!(t t'(!7,' Lan A8e(i/a IN#O0 /(eit t!
ve(if% Plaintiff@s 8!(t,a,e 'ist!(%. Lan A8e(i/a IN#O0 ve(ifie Plaintiff@s 8!(t,a,e
-it' Defenant@s e8.l!%ee na8e )Mann%*. Mann% ve(ifie t'e(e -e(e n! late fees
!n Plaintiffs a//!7nt. Plaintiff als! !(e(e a a//!7ntin, !f 'e( .a%8ent 'ist!(% f(!8
Defenant. T'e a//!7ntin, (e/!( ve(ifie t'at t'e(e -e(e NO 1ec41d 49 a3' 8ate 9ees
.!ste !n t'e a//!7nt. Afte( Defenant@s -e(e n!tifie 6% t'e De.a(t8ent !f
C!(.!(ati!n !f Plaintiff@s /!8.laint !f t'e e((!ne!7s late fee an -a(ne a6!7t
8is'anlin, !f 'e( a//!7nt, Plaintiff (e/eive '!7(l% 'a(assin, .'!nes /alls f(!8 t'e
Defenant ail% statin, 'e( 8!(t,a,e -as late.
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=:. T'e R!sent'al A/t -as ena/te t! .(!'i6it e6t /!lle/t!(s s7/' as t'e Defenant@s f(!8
en,a,in, in 7nfai( e/e.tive a/ts !( .(a/ti/es in t'e /!lle/ti!n !f a e6t. T'e A/t states
t'at e6t /!lle/t!(s 87st /!8.l% -it' C'a.te( 02 !f t'e $nite States C!e se/ti!ns
05=4&6+ M05=4&A+ an s76Ae/t t! t'e (e8eies .(es/(i6e in C'a.te( 02 !f t'e $nite
States C!e se/ti!ns 05=4&F+ an Cal. Civ. C!e, se/ti!n 03::.03. T'e stat7e .(!'i6its
a/ti!ns s7/' as false /!887ni/ati!ns, t'(eats !( 'a(ass8ent in t'e /!lle/ti!n !f a e6t.
==. Defenant@s /!n7/t -as a s76stantial fa/t!( in /a7sin, Plaintiff 'a(8. Plaintiff
s7ffe(e -!((%, fea(, ist(ess, 8ental an,7is', f(7st(ati!n. Plaintiff is entitle t!
stat7t!(% an .7nitive a8a,es in t'e a8!7nt t! 6e ete(8ine 6% t'e A7(%. Plaintiff is
entitle t! att!(ne%@s fees. Defenants a/ti!ns an /!n7/t -e(e a i(e/t an .(!>i8ate
/a7se !f 'a(8 t! t'e Plaintiff.
COUNT T)ENT:=ONE
INDUCING BREACH OF CONTRACT
&A,ainst Defenant GMACM+
011. A vali /!nt(a/t e>iste 6et-een Plaintiff an MIT as !f A.(il !f 4115. Defenant
GMACM Fne- !f t'e e>isten/e !f t'is /!nt(a/t. GMACM intenti!nall% en,a,e in
a/ts an /!n7/t -'i/' in7/e MIT t! 6(ea/' t'e /!nt(a/t -it' Plaintiff.
010. GMACM intene t! in7/e a 6(ea/' !f s7/' /!nt(a/t 6et-een MIT an t'e
Plaintiff. T'e /!nt(a/t -as in fa/t 6(ea/'e 6% MIT. T'e a/ts an /!n7/t !f t'e
Defenant -'i/' in7/e t'e 6(ea/' /a7se a8a,e t! t'e Plaintiff. Defenant@s
a/ti!n -e(e a i(e/t an .(!>i8ate /a7se !f 'a(8 t! t'e Plaintiff.
PRA:ER FOR RELIEF
)HEREFORE, Plaintiff .(a%s f!( (elief !n all /!7nts a,ainst all Defenant@s as f!ll!-s"
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&a+ #!( all /!8.ensat!(%, /!nseC7ential, s.e/ial, a/t7al, in/iental, stat7t!(% an ,ene(al
a8a,es a//!(in, t! .(!!f at t(ial.
&6+ GMACM s768issi!n !f a .e(8anent lette( !f eleti!n t! t'e CRAs -'i/' -!7l
inst(7/t t'e CRAs t! elete all (e.!(ts 8ae 6% GMACM f(!8 Plaintiff /(eit file as
-ell as (e8ittin, Plaintiff a /!.% !f t'e eleti!n lette(.
&/+ Pe(8anent inA7n/tive (elief .(!'i6itin, GMACM f(!8 (e.!(tin, ina//7(ate an
ne,ative inf!(8ati!n t! Plaintiffs /(eit (e.!(t.
&+ P!st A7,8ent an .(eA7,8ent inte(est as all!-e 6% la-.
&e+ #!( att!(ne%s fees 7ne( C!e !f Civil P(!/e7(e B0140.2 an an% !t'e( a..li/a6le
stat7te an /ase la-. All !7t !f .!/Fet att!(ne%s fees in/7((e t! ate.
&f+ #!( all !t'e( (elief t'at t'e C!7(t ee8s A7st an .(!.e(.
&,+ De8an f!( J7(% t(ial.
&'+ #!( /!st !f s7it.
Date t'is 2
t'
a% !f Jan7a(%, 411=
Res.e/tf7ll% s768itte 6%"
PPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPP
S%lvia J!nes, P(! Se
P.O. B!> 51?<
Santa Cla(a, CA =2125
P'" ?1:M<01M4540

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