4:25-cv-00551•Pestova v. US Bank Trust Company
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UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF TEXAS HOUSTON DIVISION SVETLANA A. PESTOVA, Plaintiff, § § § § § § § § § v. CIVIL ACTION NO. 4:25-cv-551 US BANK TRUST COMPANY, Defendant. MEMORANDUM AND RECOMMENDATION Pending before the Court1 is U.S. Bank Trust Company as Trustee for Velocity Commercial Loan Trust 2024-2 (“Defendant”) Motion to Dismiss (ECF No. 7). Based on a review of the motion, arguments, and relevant law, the Court RECOMMENDS pro se Plaintiff Svetlana Pestova’s (“Plaintiff”) claims be DISMISSED for failure to state a claim unless she timely files a motion seeking leave to amend her complaint within fourteen days of this Memorandum and Recommendation. If Plaintiff fails to timely move for leave to amend, the Court RECOMMENDS Defendant’s Motion to Dismiss (ECF No. 7) be GRANTED and Plaintiff’s claims be DISMISSED WITH PREJUDICE. The Court FURTHER RECOMMENDS Defendant’s previously filed Motion to Dismiss (ECF No. 6) be DENIED AS MOOT. 1 This case was referred to the Undersigned for all purposes pursuant to 28 U.S.C. § 636(b)(1)(A) and (B) and Federal Rule of Civil Procedure 72. (ECF No. 5). United States District Court Southern District of Texas ENTERED December 05, 2025 Nathan Ochsner, Clerk Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 1 of 10
2 I. Background Per Plaintiff’s Original Petition, she purchased property on October 28, 2022. (ECF No. 1 at 12). The property allegedly suffered damage from a storm in May 2024. (Id.). As a result, Plaintiff states the property had to be vacated for repairs. (Id.). In June 2024, Plaintiff states an insurance claim was filed and a check from the insurance company was sent to the mortgage servicer. (Id.). By July 2024, Plaintiff states the mortgage servicer requested the check be endorsed back to the mortgage servicer, which Plaintiff alleges was done a few days later. (Id.). Plaintiff states the account was ultimately transferred to Defendant. (Id.). Plaintiff then alleges she never received notices of the transfers, and that miscommunications have existed for several months. (Id.). Plaintiff also states she has not received notices of acceleration or notices of foreclosure at her mailing address. (Id.). Finally, Plaintiff states she requested a pay off statement and reinstatement figures, but that those documents have not been released. (Id.). On February 3, 2025, Plaintiff sued Defendant for unjust enrichment and injunctive relief in the 281st District Court of Harris County, Texas, in Case No. 2025-07253, to prevent a foreclosure sale of her property. (See id. at 1, 13). On February 10, 2025, Defendant removed the case to this Court. (Id.) Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 2 of 10
3 After removal, Defendant filed the instant Motion to Dismiss. (ECF No. 7). Plaintiff did not file a response. II. Legal Standard Federal Rule of Civil Procedure (“Rule”) 12(b)(6) provides for dismissal of an action for “failure to state a claim upon which relief can be granted.” F ED. R. C IV . P. 12(b)(6). When considering a motion to dismiss, a court should construe the allegations in the complaint favorably to the pleader and accept as true all well-pleaded facts. Sullivan v. Leor Energy, LLC, 600 F.3d 542, 546 (5th Cir. 2010). In the Fifth Circuit, motions to dismiss under Rule 12(b)(6) are viewed with disfavor and rarely granted. Lormand v. U.S. Unwired, Inc., 565 F.3d 228, 232 (5th Cir. 2009). To survive dismissal, a complaint must plead “enough facts to state a claim to relief that is plausible on its face.” Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 (2007). “A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009). However, a court is not bound to accept legal conclusions couched as factual allegations. Papasan v. Allain, 478 U.S. 265, 286 (1986). Although all reasonable inferences will be resolved in favor of a plaintiff, a plaintiff must plead “specific facts, not mere conclusory allegations.” Tuchman v. DSC Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 3 of 10
4 Commc’ns Corp., 14 F.3d 1061, 1067 (5th Cir. 1994); see also Firefighters’ Ret. Sys. v. Grant Thornton, L.L.P., 894 F.3d 665, 669 (5th Cir. 2018) (“Although a complaint does not need detailed factual allegations, the allegations must be enough to raise a right to relief above the speculative level . . . .”) (internal quotations omitted)). “‘Threadbare recitals of the elements of a cause of action, supported by mere conclusory statements, do not suffice.’” Firefighters’ Ret. Sys., 894 F.3d at 669 (quoting Iqbal, 556 U.S. at 678). “The court is not required to conjure up unpled allegations or construe elaborately arcane scripts to save a complaint.” Santerre v. Agip Petroleum Co., Inc., 45 F. Supp. 2d 558, 568 (S.D. Tex. 1999) (internal quotations omitted). To determine whether to grant a Rule 12(b)(6) motion, a court may only look to allegations in a complaint to determine their sufficiency. Id.; Atwater Partners of Tex. LLC v. AT & T, Inc., No. 2:10-cv-175, 2011 WL 1004880, at *1 (E.D. Tex. Mar. 18, 2011). “A court may, however, also consider matters outside the four corners of a complaint if they are incorporated by reference, items subject to judicial notice, matters of public record, orders, items appearing in the record of a case, and exhibits attached to a complaint whose authenticity is unquestioned.” Joubert on Behalf of Joubert v. City of Houston, No. 4:22-cv-3750, 2024 WL 1560015, at *2 (S.D. Tex. Apr. 10, 2024). “A document filed pro se is to be liberally construed, and a pro se complaint, Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 4 of 10
5 however inartfully pleaded, must be held to less stringent standards than formal pleadings drafted by lawyers.” Erickson v. Pardus, 551 U.S. 89, 94 (2007) (internal citations and quotation marks omitted); see also FED. R. C IV . P. 8(e) (“Pleadings must be construed so as to do justice”). III. Discussion Plaintiff’s Original Petition alleges only an unjust enrichment claim. (ECF No. 1 at 13). Defendant moves to dismiss Plaintiff’s Original Petition for failure to state a claim upon which relief can be granted. (ECF No. 7). Plaintiff did not respond to Defendant’s motion. Pursuant to Local Rule 7.4, failure to respond is taken as a representation of no opposition. S.D. Tex. Local R. 7.4. The Court construes all pro se filings liberally. See Erickson v. Pardus, 551 U.S. 89, 94 (2007). Regardless of Plaintiff’s failure to respond to the motion to dismiss, the Court will consider the merits of Defendant’s motion before the Court. See Gonzalez v. Mongo, No. 24-cv-5145, 2025 WL 2174763, at *2 (S.D. Tex. July 31, 2025); Chilton v. Texas S. Univ., No. 4:24-cv-1646, 2024 WL 4282092, at *1 (S.D. Tex. Sept. 24, 2024) (“[W]here a party does not respond to a motion to dismiss, such failure does not permit the Court to enter a ‘default’ dismissal.”). Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 5 of 10
6 a. Unjust Enrichment In Texas, a plaintiff may recover under an unjust enrichment theory where a person has “obtained a benefit from another by fraud, duress, or the taking of an undue advantage.” Heldenfels Bros. v. City of Corpus Christi, 832 S.W.2d 39, 41 (Tex. 1992). Unjust enrichment is a quasi-contractual claim that is based on the absence of an express agreement. See Fortune Prod. Co. v. Conoco, Inc., 52 S.W.3d 671, 684 (Tex. 2000); see also First Union Nat. Bank v. Richmont Cap. Partners I, L.P., 168 S.W.3d 917, 931 (Tex. App.—Dallas 2005, no pet.). “Generally speaking, when a valid, express contract covers the subject matter of the parties’ dispute, there can be no recovery under a quasi-contract theory . . . because parties should be bound by their express agreements.” Fortune, 52 S.W.3d at 684 (internal citations omitted). Further, whether a plaintiff has a meritorious claim for breach of contract does not govern whether that remedy precludes a claim for unjust enrichment. See VanHauen v. Am. Home Mortg. Servicing, Inc., No. 4:11-cv-461, 2012 WL 874330, at *8 (E.D. Tex. Feb. 17, 2012), report and recommendation adopted, No. 4:11-cv-461, 2012 WL 874328 (E.D. Tex. Mar. 14, 2012). Instead, “the mere existence of [a] potential contract claim bars the unjust enrichment remedy.” In re Myles, 395 B.R. 599, 605 (Bankr. M.D. La. 2008). Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 6 of 10
7 Here, there is a Deed of Trust. Plaintiff’s obligations are covered by this loan document, which would preclude a claim for unjust enrichment. See VanHauen, 2012 WL 874330, at *8. As such, Plaintiff fails to allege facts that would make a claim for unjust enrichment plausible. Accordingly, the Court recommends Defendant’s motion to dismiss should be granted with regard to Plaintiff’s unjust enrichment claim. b. Breach of Contract Plaintiff’s Original Complaint does not allege a breach of contract claim. However, Defendant addresses a breach of contract claim in the event the Court interprets Plaintiff’s allegation that proper notices of default were not received as a breach of contract claim for Defendant failing to send notices of default. (ECF No. 7 at 3). Construing Plaintiff’s pleading liberally, the Court will also analyze whether Plaintiff plausibly pleaded a breach of contract claim. The essential elements of a breach of contract claim in Texas are: “(1) the existence of a valid contract; (2) performance or tendered performance by the plaintiff; (3) breach of the contract by the defendant; and (4) damages sustained by the plaintiff as a result of the breach.” Mullins v. TestAmerica, Inc., 564 F.3d 386, 418 (5th Cir. 2009) (cleaned up). Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 7 of 10
8 As to the first prong, it does not appear that Plaintiff contests the existence of a valid Deed of Trust, and that Defendant is the holder of the promissory note that is secured by that Deed of Trust. (See ECF No. 1 at 12). As to the second prong, Plaintiff does not plead whether she tendered performance with respect to her loan payments. (See id. at 12–13). As to the third prong, Plaintiff alleges Defendant failed to provide payoff and reinstatement figures. (ECF No. 1 at 12). However, Plaintiff did not identify the provisions in the Deed of Trust that was allegedly breached by Defendant. See Mitchell v. Prestige Default Servs. LLC, No. 3:23-cv-2534, 2024 WL 3237170, at *3 (N.D. Tex. June 6, 2024), report and recommendation adopted, No. 3:23-cv-2534, 2024 WL 3239934 (N.D. Tex. June 28, 2024). Finally, as to the fourth prong, Plaintiff does not plead that she suffered actual damages as a result of Defendant’s actions. See Langen v. Sanchez Oil & Gas Corp., No. 4:18-cv-2840, 2019 WL 1674348, at *3–4 (S.D. Tex. Apr. 17, 2019). As such, to the extent Plaintiff intended to assert a breach of contract claim, the Court recommends Defendant’s motion to dismiss should be granted as to that claim. Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 8 of 10
9 c. Leave to Amend Because Plaintiff is proceeding pro se, her failure to meet the specific pleading requirements should not automatically result in dismissal of the complaint with prejudice to re-filing. Hart v. Bayer Corp., 199 F.3d 239, 248 n.6 (5th Cir. 2000). While pro se plaintiffs generally should be afforded at least one opportunity to amend, exceptions exist when, for example, “the defect is simply incurable or the plaintiff has failed to plead with particularity after being afforded repeated opportunities to do so.” Id. Further, the Court need not grant leave to amend, even to a pro se plaintiff, “if the plaintiff has already pleaded his ‘best case.’” Brewster v. Dretke, 587 F.3d 764, 768 (5th Cir. 2009). Here, Plaintiff has neither responded to Defendant’s motion nor sought leave to amend her Original Petition. Given her silence, it is unclear whether Plaintiff has pleaded her best case. See Bishop v. Bennett, No. 3:24-cv-126, 2024 WL 5330028, at *3 (S.D. Miss. Dec. 20, 2024), report and recommendation adopted, No. 3:24-cv-126, 2025 WL 209164 (S.D. Miss. Jan. 15, 2025) (comparing cases). Out of an abundance of caution, given Plaintiff’s pro se status, the Court recommends that Plaintiff be allowed fourteen days from the entry of this Memorandum and Recommendation to file a motion seeking leave to amend her complaint. If Plaintiff fails to seek leave to amend within that time period, Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 9 of 10
10 the Court recommends Defendant’s Motion to Dismiss be granted and Plaintiff’s claims be dismissed with prejudice. See id. at *3–4. IV. Conclusion Based on the foregoing, the Court RECOMMENDS Plaintiff’s claims be DISMISSED unless she timely files a motion seeking leave to amend her complaint within fourteen days of this Memorandum and Recommendation. If Plaintiff fails to timely move for leave to amend, the Court RECOMMENDS Defendant’s Motion to Dismiss (ECF No. 7) be GRANTED and Plaintiff’s claims be DISMISSED WITH PREJUDICE. The Court FURTHER RECOMMENDS Defendant’s previously filed Motion to Dismiss (ECF No. 6) be DENIED AS MOOT. The Clerk shall send copies of this Memorandum and Recommendation to the respective parties who have fourteen days from the receipt thereof to file written objections thereto pursuant to Federal Rule of Civil Procedure 72(b) and General Order 2002-13. Failure to file written objections within the time period mentioned shall bar an aggrieved party from attacking the factual findings and legal conclusions on appeal. SIGNED in Houston, Texas on December 5, 2025. ______________________________ Richard W. Bennett United States Magistrate Judge Case 4:25-cv-00551 Document 15 Filed 12/05/25 in TXSD Page 10 of 10
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