Ikechukwu Hyginus Okorie v. Citizens Bank

IN THE COURT OF APPEALS OF THE STATE OF MISSISSIPPI

NO. 2024-CP-00462-COA

IKECHUKWU HYGINUS OKORIE APPELLANT

v.

CITIZENS BANK APPELLEE

DATE OF JUDGMENT: 04/16/2024
TRIAL JUDGE: HON. SHEILA HAVARD SMALLWOOD
COURT FROM WHICH APPEALED: FORREST COUNTY CHANCERY COURT
ATTORNEY FOR APPELLANT: IKECHUKWU HYGINUS OKORIE (PRO SE)
ATTORNEYS FOR APPELLEE: R. LANE DOSSETT
L. CLARK HICKS JR.
NATURE OF THE CASE: CIVIL - REAL PROPERTY
DISPOSITION: AFFIRMED - 06/10/2025
MOTION FOR REHEARING FILED:

BEFORE BARNES, C.J., McDONALD AND LAWRENCE, JJ.

LAWRENCE, J., FOR THE COURT:

¶1. In 2023, Ikechukwu Hyginus Okorie filed a complaint against Citizens Bank to quiet

and confirm title regarding property in Hattiesburg. The chancery court dismissed his case,

and Okorie appealed that dismissal to the supreme court. The supreme court later dismissed

his appeal as moot due to foreclosure of the subject property, but in 2024, while the appeal

was still pending, Okorie filed a subsequent complaint against Citizens Bank to quiet and

confirm title regarding the same property. Okorie’s second complaint was dismissed largely

pursuant to the doctrine of res judicata. Okorie appealed again, and the appeal was assigned

to this Court. After review, we conclude that Okorie’s case is barred by res judicata and

affirm.
FACTUAL AND PROCEDURAL HISTORY

¶2. The history between Okorie and Citizens Bank spans several years and largely centers

around a piece of commercial property located at 3700 Hardy Street in Hattiesburg,

Mississippi (“Hardy Street property”). The following is an abbreviated summary of that

history leading to the current stage of proceedings. On February 27, 2019, Okorie filed a

petition for Chapter 11 bankruptcy. Two years later, on February 17, 2021, Okorie

voluntarily converted his case to a Chapter 7 bankruptcy. On March 26, 2021, Citizens Bank

sought relief from the automatic stay in bankruptcy court, and the trustee requested to

abandon the Hardy Street property from the bankruptcy estate. The bankruptcy court granted

that request, without objection, on May 17, 2021.

¶3. On approximately June 2, 2021, Okorie reaffirmed his debt to Citizens Bank. On

September 21, 2021, a new promissory note and deed of trust were executed for the

collateralized Hardy Street property. On October 5, 2021, Okorie was discharged from

bankruptcy. However, Okorie failed to timely make his payments to Citizens Bank over the

next two years, and Citizens Bank initiated foreclosure proceedings on approximately June

7, 2023. Okorie then requested injunctive relief from the bankruptcy court to prevent a

foreclosure. The bankruptcy court denied Okorie’s request because the property had already

been removed from the bankruptcy estate.1

¶4. On October 26, 2023, Okorie filed a complaint in the Forrest County Chancery Court

1
Okorie was unsuccessful on appeal from the decisions in both the federal district
court, see Okorie v. Citizens Fin. Grp. Inc., No. 2:23-CV-100-TBM-RPM, 2023 WL
6214032 (S.D. Miss. July 20, 2023), and the Fifth Circuit Court of Appeals, see Order, In
re Okorie, No. 23-60505, 2023 WL 10416030 (5th Cir. Nov. 15, 2023).

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against Citizens Bank to quiet and confirm title to the Hardy Street property. At some point,

Citizens Bank and its trustee filed a motion to dismiss.2 On January 25, 2024, the chancery

court granted Citizens Bank’s motion to dismiss.3 The order explained that Okorie’s

argument was “legally defective,” but even so, the Hardy Street property “was abandoned

from the bankruptcy estate on May 17, 2021, and the Citizens Bank deed of trust was

executed by Okorie on September 21, 2021.” Okorie appealed that decision to the

Mississippi Supreme Court on February 7, 2024.

¶5. On March 1, 2024—less than a month after filing an appeal with the supreme court

and while the appeal was still pending—Okorie filed another complaint in the Forrest County

Chancery Court against Citizens Bank concerning the same property and the same deed of

trust. The complaint requested a declaratory judgment and injunctive relief concerning

Okorie’s rights to the Hardy Street property. Of note, Okorie stated that “[t]he instant dispute

has also been the subject of Dr. Okorie’s quiet title action in this [c]ourt (Ikechukwu Hyginus

Okorie, Case No. 23-cv-509-SM), which is still pending determination.” Okorie concluded

the complaint by asking the court for a judgment declaring his rights and entitlement “to a

quiet ownership of the subject property[.]” He also filed a separate petition for a temporary

restraining order, asking that Citizens Bank be prohibited from proceeding with foreclosure

2
R. Andrew Foxworth Esq. was the trustee for Citizens Bank. He was later
dismissed as a party from the case in the court’s later order granting summary judgment,
stating, “Foxworth is not a party to this cause, but, if he were to be a party, he is dismissed
as a result of the Complaint not stating a claim against him.”
3
Another lienholder, Wells Fargo Bank, had joined Citizens Bank’s motion and was
also subject to the order granting summary judgment and dismissing the case.

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“until such time as the case can be heard on the merits thereof, and a determination made.”

On March 4, 2024, Okorie filed a motion in the chancery court requesting the recusal of

Chancellor Sheila Smallwood with an accompanying affidavit. The motion reasoned that

Okorie was “presently initiating a federal lawsuit against” Chancellor Smallwood, which

“stem[med] from actions and decisions made” by her in a prior case.4 Chancellor Smallwood

did not recuse.

¶6. On March 28, 2024, Citizens Bank filed a motion to dismiss pursuant to the doctrine

of res judicata.5 Additionally, the motion alleged that Okorie’s claim for injunctive relief to

prevent foreclosure was now moot, as the foreclosure had occurred, and the property had

been sold. On April 2, 2024, Okorie filed a motion for injunctive relief against Citizens

Bank.6 On April 3, 2024, Citizens Bank filed a motion for a protective order and/or a stay

of discovery and a motion for a pre-filing injunction. The motion stated that Okorie had

requested numerous discovery materials and made multiple filings with the court consisting

of “frivolous allegations” concerning the same property. On the same day, evidently, Okorie

filed a request for the production of documents, interrogatories, and requests for admissions.

He also filed responses to Citizens Bank’s motions for dismissal and a protective order.

4
Okorie also filed a motion in bankruptcy court for the recusal of United States
Bankruptcy Judge Katharine M. Samson.
5
As an alternative argument, Citizens Bank argued the case should be dismissed
under the “priority of jurisdiction rule,” citing Braswell v. Ergon Oil Purchasing Inc., 179
So. 3d 997, 1002-03 (Miss. 2015).
6
The motion stated that an individual had “claim[ed] ownership of the property and
ha[d] made attempts to change property access and conditions.”

4
Citizens Bank filed an amended motion to dismiss, requesting summary judgment as an

alternative remedy on April 15, 2024. Additionally, Okorie filed an “urgent request

regarding [Citizens Bank]’s motions and implications of denied discovery.”

¶7. On April 16, 2024, the chancery court entered its final judgment granting Citizens

Bank’s motion to dismiss. The court stated the pleadings purported that “both cases involve

the same parties and the same issues, and all elements of res judicata [we]re satisfied.”7

Further, the complaint was “a collateral attack against [the chancery court]’s prior findings”

in a case that was presently pending before the Mississippi Supreme Court. As such,

Okorie’s case was barred by res judicata and, now, ultimately moot based upon Citizens

Bank’s March 28 foreclosure on the Hardy Street property. On April 19, 2024, Okorie

appealed for a second time.

¶8. On August 1, 2024, the Mississippi Supreme Court entered an order in Okorie’s first

appeal, providing:

Dr. Okorie appealed an order granting summary judgment for Appellees in his
suit to quiet and confirm title to certain property. Appellee Citizens Bank
argues that a March 28, 2024 foreclosure sale renders the appeal moot. Dr.
Okorie opposes the motion, asserting that the appeal should proceed based on
the “capable of repetition but evading review” doctrine and the public-interest
exception to the mootness doctrine. After due consideration, we find that Dr.
Okorie sued to quiet and confirm title; however, a subsequent foreclosure sale
divested him of all legal and equitable interest in the foreclosed property. See
Moore v. Marathon Asset Mgmt. LLC, 973 So. 2d 1017, 1021 (Miss. Ct. App.
2008) (“After a foreclosure sale, ‘the debtor is divested of all legal and
equitable interest in the foreclosed property.’” (quoting In re Applewhite, 106
B.R. 468, 469-70 (Bankr. S.D. Miss. 1989))). So he cannot maintain a quiet-
title suit. . . . Thus this appeal is moot, and neither the “capable of repetition
but evading review” doctrine nor the public-interest exception to the mootness

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The record indicates that the motion to dismiss was granted upon a hearing.

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doctrine apply. IT IS THEREFORE ORDERED that the appeal is dismissed.

Order #253173 (emphasis added), Okorie v. Citizens Bank, Foxworth & Wells Fargo Bank,

Nat’l Ass’n, No. 2024-CP-00166-SCT (Miss. Aug. 1, 2024). The supreme court’s mandate

issued on August 22, 2024.

¶9. On August 7, 2024, Citizens Bank filed a motion in the supreme court requesting that

this appeal be dismissed as moot. Okorie filed a response in opposition on August 13, 2024.

On September 5, 2024, Citizens Bank filed a subsequent motion requesting a stay of the

appellate briefing schedule pending disposition of the motion to dismiss the case as moot.

On July 23, 2024, the supreme court granted the motion to stay, ordering that the “[b]riefing

in this appeal [wa]s stayed” pending Citizens Bank’s motion to dismiss on the ground of

mootness. On September 20, 2024, Okorie filed a motion to stay any eviction pending

appeal. Citizens Bank filed a response in opposition on September 23, 2024. On October

31, 2024, the supreme court denied Citizens Bank’s motion to dismiss for mootness and the

motion to stay the briefing schedule.8 This order additionally dismissed Okorie’s motion to

stay eviction. On November 26, 2024, Okorie filed an emergency motion to stay an

execution of writ of possession pending appeal, which was later denied.9

8
The supreme court’s order provides no reasoning for denying the motion to dismiss
for mootness. In keeping with that order, we decline to address that argument in this
opinion.
9
Okorie also filed a notice of supplemental authority, University Mall LLC v. Okorie,
No. 2:24-CV-91-KS-MTP (S.D. Miss. Nov. 21, 2024). This case, he stated, granted
possession of the subject property “to University Mall, LLC, following a foreclosure sale
conducted by Citizens Bank” and therefore supported his brief’s statement of the case and
argument against mootness. We decline to address University Mall LLC’s rights to or
possession of the Hardy Street property because the entity is not a party in these proceedings

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¶10. On December 16, 2024, Okorie filed an emergency motion for reconsideration and

requested a stay of eviction. The Mississippi Supreme Court denied the motion that same

day. On December 30, 2024, Okorie filed a motion for judicial notice10 of a title opinion that

detailed “ownership, encumbrances, and taxes related to the property.” On January 27, 2025,

Okorie filed another motion requesting judicial notice of an updated version of the title

document. Citizens Bank filed a response on January 29, 2025, opposing the motions for

judicial notice and asserting the title opinion had not been “considered by the [chancery]

court and was not a basis of the ruling in this case.” On February 5, 2025, the Mississippi

Supreme Court entered an order denying the emergency motion for reconsideration and a stay

of eviction. On June 4, 2025, this Court denied both of Okorie’s motions for judicial notice.

Order #257744, Okorie v. Citizens Bank, No. 2024-CP-00462-COA (Miss. Ct. App. June 4,

2025).

¶11. Citizens Bank had also filed a letter in this appeal in accordance with Mississippi Rule

of Appellate Procedure 28(k)11 on February 18, 2025. Attached and submitted as persuasive

and is irrelevant to the appeal before us.
10
“The court may judicially notice a fact that is not subject to reasonable dispute
because it: (1) is generally known within the trial court’s territorial jurisdiction; or (2) can
be accurately and readily determined from sources whose accuracy cannot reasonably be
questioned.” MRE 201(b)(1)-(2).
11
Rule 28(k) provides guidelines for citation of supplemental authorities:

When pertinent and significant authorities come to the attention of counsel
after the party's brief has been filed, or after oral argument or decision, the
party may promptly advise the clerk of the Supreme Court, by letter with a
copy to all counsel, setting forth the citations. There shall be a reference either
to the page of the brief or to a point argued orally to which the citations

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authority was a chancery court order from another case, Signature One Reality LLC v.

University Mall LLC & Okorie (identified as Forrest County Chancery Court Cause No. 24-

cv-728), which concerned the same Hardy Street property. The order granted a motion for

partial summary judgment in favor of University Mall LLC against cross-defendant Okorie,

who “ha[d] no title or claim to title in the [Hardy Street] property[.]” The judgment was

declared final pursuant to Mississippi Rule of Civil Procedure 54(b). On February 27, 2025,

Okorie filed a response to the Rule 28(k) letter.

DISCUSSION

¶12. On appeal, Okorie argues the chancery court applied res judicata in error. “Res

judicata reflects the refusal of the law to tolerate a multiplicity of litigation” and thus “bars

parties from litigating claims within the scope of the judgment in a prior action.” Pickle v.

State, 203 So. 3d 753, 758 (¶15) (Miss. Ct. App. 2016) (citing Hill v. Carroll County, 17 So.

3d 1081, 1084 (¶8) (Miss. 2009)). Whether res judicata applies “is a question of law and will

therefore be reviewed de novo.” Est. of Oliver v. Oliver, 363 So. 3d 664, 679-80 (¶44) (Miss.

Ct. App. 2019) (quoting Griffin v. ABN AMRO Mortg. Grp. Inc., 232 So. 3d 189, 191 (¶7)

(Miss. Ct. App. 2017)).

¶13. To apply res judicata, “the prior judgment must be a final judgment adjudicated on the

merits.” Avakian v. Wilmington Tr. Nat’l Ass’n, 242 So. 3d 961, 969 (¶22) (Miss. Ct. App.

pertain, but the letter shall, without argument, state the reasons for the
supplemental citations. Any response shall be made promptly and shall be
similarly limited.

M.R.A.P. 28(k).

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2018) (quoting Doss v. Dixon, 131 So. 3d 1265, 1269 (¶8) (Miss. Ct. App. 2014)). “A final

judgment on the merits is a judgment based on the evidence rather than on technical or

procedural grounds.” Id. (quoting Est. of White v. White, 152 So. 3d 314, 317 (¶10) (Miss.

2014)). The final judgment in Okorie’s first chancery case granted summary judgment while

thoroughly addressing the merits of the case. While some pleading deficiencies were

discussed, the judgment concluded, “It is undisputed as a matter of law that title to the

Property is validly in the name of Royal Oaks and that Citizens Bank and Wells Fargo have

valid encumbrances against the property.” The judgment is final; we now proceed to the

application of the res judicata doctrine.

¶14. “[R]es judicata will bar a claim if four identities are present and the same in both

cases: (1) identity of the subject matter of the action; (2) identity of the cause of action; (3)

identity of the parties to the cause of action; and (4) identity of the quality or character of a

person against whom a claim is made.” Ward Gulfport Props. L.P. v. Miss. State Highway

Comm’n, 176 So. 3d 789, 793 (¶10) (Miss. 2015) (quoting Channel v. Loyacono, 954 So. 2d

415, 424 (¶31) (Miss. 2007)). “The absence of any one of the listed identities is fatal to the

defense of res judicata.” Id. We address each identity in turn.

A. Identity of the Subject Matter of the Action

¶15. “The doctrine of res judicata bars a second action between the same parties on the

subject matter directly involved in the prior action.” Hill, 17 So. 3d at 1085 (¶12) (quoting

Harrison v. Chandler-Sampson Ins. Inc., 891 So. 2d 224, 232 (¶26) (Miss. 2005)). Subject

matter, in this context, has been defined by the supreme court “as the substance of the

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lawsuit.” Id. (citing Harrison, 891 So. 2d at 232-33 (¶26)). The “substance” of this lawsuit

lies in possession of the Hardy Street property. Further, “[i]n older cases, the supreme court

has referred to subject-matter identity as identity in the thing sued for.” Avakian, 242 So. 3d

at 969 (¶24) (quoting Hill, 17 So. 3d at 1085 (¶12)). The “thing sued for” in both of Okorie’s

complaints concerns the foreclosure of the Hardy Street property by Citizens Bank pursuant

to a deed of trust. Therefore, the first identity of res judicata is present.

B. Identity of the Cause of Action

¶16. The second identity of a res judicata analysis concerns “the identity of the underlying

facts and circumstances upon which a claim has been brought.” EMC Mortg. Corp. v.

Carmichael, 17 So. 3d 1087, 1090 (¶12) (Miss. 2009) (quoting Black v. City of Tupelo, 853

So. 2d 1221, 1225 (¶11) (Miss. 2003)). The supreme court has “explained that identity of

the cause of action exists when there is a commonality in the underlying facts and

circumstances upon which a claim is asserted and relief sought from the two actions.” Little

v. V & G Welding Supp. Inc., 704 So. 2d 1336, 1338 (¶11) (Miss. 1997) (emphasis added)

(internal quotation marks omitted) (citing Riley v. Moreland, 537 So. 2d 1348, 1354 (Miss.

1989)).

¶17. There is certainly a commonality, to say the least, between Okorie’s causes of action.

Okorie’s first chancery complaint requested the court quiet and confirm title in the Hardy

Street property when Citizens Bank attempted to foreclose pursuant to a deed of trust.

Okorie’s second chancery complaint requested the court to enter a judgment declaring his

rights to the Hardy Street property, as well as to quiet title in the same property. See

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Harrison, 891 So. 2d at 236 (¶¶35-36) (finding second identity of res judicata present where

a suit was “against the same defendant, seeking the same relief for the same injuries in the

same court, based on the same transaction”). In addition, the second complaint lists facts

surrounding the subsequent foreclosure on the Hardy Street property already addressed in the

first complaint. Therefore, “[i]n light of [Okorie’s] reliance on the same facts and

circumstances, . . . the second identity is met.” Little, 704 So. 2d at 1338 (¶11) (citing Riley,

537 So. 2d at 1354).

C. Identity of the Parties to the Cause of Action

¶18. “The third factor that must be present in order for res judicata to apply is identity of

the parties to the cause of action.” Little, 704 So. 2d at 1339 (¶15). “[S]trict identity of

parties is not necessary” for satisfaction of this factor. Harrison, 891 So. 2d at 232 (¶26).

The identities of the parties—Okorie as plaintiff and Citizens Bank as defendant—are

identical in both complaints. The third identity is therefore met.

D. Identity of the Quality or Character of a Person Against Whom the
Claim is Made

¶19. The Mississippi Supreme Court “has not explicitly defined the identity of the quality

or character of a person against whom the claim is made.” Clark v. Neese, 262 So. 3d 1117,

1124 (¶21) (Miss. 2019) (quoting Hill, 17 So. 3d at 1086 (¶18)). “However, where a named

defendant was the same in both actions, our supreme court has held that this factor is met.”

Fason v. Trussell Enters. Inc., 120 So. 3d 454, 460 (¶20) (Miss. Ct. App. 2013) (emphasis

added) (citing Hill, 17 So. 3d at 1087 (¶18)). Here, Citizens Bank was named in both of

Okorie’s actions and complaints as a defendant. This fourth identity is therefore present.

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¶20. Okorie additionally argues that his due process rights have been violated. However,

a bar by the res judicata doctrine is dispositive. See Fason, 120 So. 3d at 460-61 (¶22)

(declining to address other issues due to the bar by res judicata). Therefore, we decline to

address these remaining arguments.

CONCLUSION

¶21. In summary, “[t]he identities of the doctrine of res judicata and the preclusive effect

of the presence of those identities are well-woven into the fabric of Mississippi

jurisprudence,” and as such, are dispositive in Okorie’s appeal. Hill, 17 So. 3d at 1085 (¶11).

Following a de novo review, this Court affirms the chancery court’s final judgment. Okorie

continues to pursue legal action against Citizens Bank despite the federal bankruptcy court,

the Forrest County Chancery Court (twice), the Mississippi Supreme Court, and now this

Court have all ruled against the claims he asserts. Having reached the end of the legal line

concerning the foreclosure of the Hardy Street property, Okorie may do well to recognize the

end of this legal saga to stand clear of potential Rule 11 sanctions.

¶22. AFFIRMED.

BARNES, C.J., CARLTON AND WILSON, P.JJ., WESTBROOKS,
McDONALD, McCARTY, EMFINGER, WEDDLE AND ST. PÉ, JJ., CONCUR.

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