Mathis v. Northpoint Bank et al

IN THE UNITED STATES DISTRICT COURT
FOR THE SOUTHERN DISTRICT OF OHIO
EASTERN DIVISION
GIOVANNI MATHIS,
Plaintiff,
v. 	Civil Action 2:26-cv-65
District Judge Algenon L. Marbley
Magistrate Judge Kimberly A. Jolson
NORTHPOINTE BANK,
Defendant.
ORDER AND REPORT AND RECOMMENDATION
Plaintiff Giovanni Mathis brings this case against Northpointe Bank for “failing to lawfully
process his credit application in good faith, failing to communicate material information, issuing
defective and inconsistent adverse action notices, and denying credit without providing specific,
sufficient, and lawful reasons as required under federal law.” (Doc. 1-1 at 5). This matter is before
the Court on Plaintiffs’ Revised Motion for Leave to Proceed in forma pauperis (Doc. 4). For the
following reasons, the Undersigned RECOMMENDS the Motion be DENIED. Plaintiff’s first
motion for the same (Doc. 1) is DENIED as moot.
The Supreme Court, in Adkins v. E.I. DuPont de Nemours & Co., Inc., set forth the legal
standard applicable to a motion to proceed in forma pauperis. 335 U.S. 331 (1948). An affidavit
of poverty is sufficient if it reflects that the plaintiff cannot pay the court’s filing fee without
depriving himself the “necessities of life.” Id. at 339 (internal quotation marks omitted). Although
the plaintiff need not be totally destitute to proceed in forma pauperis, paying the filing fee must
be more than a mere hardship. See Foster v. Cuyahoga Dep’t of Health & Human Servs., 21 F.
App’x 239, 240 (6th Cir. 2001) (noting that “the question is whether the court costs can be paid
without undue hardship”). 	Consequently, unless the one-time payment of the court’s filing fee
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clearly will render the plaintiff unable to provide for herself, the Court cannot grant her in forma
pauperis status. See Adkins, 335 U.S. at 339.
Based on his most recent affidavit, the Undersigned determines that Plaintiff has sufficient
funds to pay the filing fee. Plaintiff claims to make $3,200 per month in a job he started in January
2026. (Doc. 4 at 2). Plaintiff also details monthly expenses, which equal about $2,100 maximum.
(Id. at 3). Based on these representations, it does not appear that paying the one-time filing fee
would cause Plaintiff to be deprived of the necessities of life. See Adkins, 335 U.S. at 339; see
also Bush v. Ohio Dep’t of Rehab. & Corr., No. 2:05-CV-0667, 2007 WL 4365381, at *1 (S.D.
Ohio Dec. 10, 2007) (noting that “[i]n forma pauperis status is usually reserved either for indigent
prisoners or for persons . . . who would truly be required to forego food, shelter, clothing, or some
other necessity were they to devote any of their scant resources to paying a judicial filing fee”).
Accordingly, it is RECOMMENDED that his Motion for Leave to Proceed in forma pauperis
(Doc. 4) be DENIED. If this recommendation is adopted, it is further RECOMMENDED that
Plaintiff be required to pay the filing fee within thirty (30) days of adoption or face dismissal. If
this recommendation is adopted, and Plaintiff pays the filing fee, he will be responsible for service.
Procedure on Objections
If any party objects to this Report and Recommendation, that party may, within fourteen
(14) days of the date of this Report, file and serve on all parties written objections to those specific
proposed findings or recommendations to which objection is made, together with supporting
authority for the objection(s). A Judge of this Court shall make a de novo determination of those
portions of the Report or specified proposed findings or recommendations to which objection is
made. Upon proper objections, a Judge of this Court may accept, reject, or modify, in whole or in
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part, the findings or recommendations made herein, may receive further evidence, or may
recommit this matter to the Magistrate Judge with instructions. 28 U.S.C. § 636(b)(1).
The 	parties 	are 	specifically 	advised 	that 	failure 	to 	object 	to 	the 	Report 	and
Recommendation will result in a waiver of the right to have the District Judge review the Report
and Recommendation de novo and also operates as a waiver of the right to appeal the decision of
the District Court adopting the Report and Recommendation. See Thomas v. Arn, 474 U.S. 140
(1985); United States v. Walters, 638 F.2d 947 (6th Cir. 1981).
IT IS SO ORDERED.
Date: 	February 18, 2026 	/s/ Kimberly A. Jolson
KIMBERLY A. JOLSON
UNITED STATES MAGISTRATE JUDGE
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