U.S. Bank Nat'l Ass'n v. Guy

• Court: New York Supreme Court — Appellate Division
• Citation: U.S. Bank Nat'l Ass'n v. Guy, 125 A.D.3d 845, 5 N.Y.S.3d 116, 2015 N.Y. Slip Op. 1443 (N.Y. App. Div. 2015)
• Decision Date: 18 February 2015
• Parties: U.S. BANK NATIONAL ASSOCIATION, etc., appellant, v. Paula GUY, respondent, et al., defendants.

125 A.D.3d 845

5 N.Y.S.3d 116

2015 N.Y. Slip Op. 01443

U.S. BANK NATIONAL ASSOCIATION, etc., appellant

v.Paula GUY, respondent, et al., defendants.

Supreme Court, Appellate Division, Second Department, New York.

Feb. 18, 2015.

Eckert Seamans Cherin & Mellott, LLC, White Plains, N.Y. (Geraldine A. Cheverko of counsel), for appellant.

Biolsi Law Group, P.C., New York, N.Y. (Steven Alexander Biolsi and Juan Paolo F. Dizon of counsel), for respondent.

WILLIAM F. MASTRO, J.P., JOHN M. LEVENTHAL, ROBERT J. MILLER, and JOSEPH J. MALTESE, JJ.

Opinion

In an action to foreclose a mortgage, the plaintiff appeals, as limited by its brief, from (1) so much an order of the Supreme Court, Kings County (Schmidt, J.), dated December 7, 2012, as conditionally granted that branch of the motion of the defendant Paula Guy which was pursuant to CPLR 3211(a)(3) to dismiss the complaint insofar as asserted against her for lack of standing to the extent of directing the dismissal of the complaint in the event that the plaintiff failed to submit evidence to establish standing by a certain date, and (2) so much of an order of the same court dated August 22, 2013, as granted that branch of the motion of the defendant Paula Guy which was pursuant to CPLR 3211(a)(3) to dismiss the complaint insofar as asserted against her for lack of standing based upon the plaintiff's failure to comply with the order dated December 7, 2012.

ORDERED that the orders are reversed insofar as appealed from, on the law, with one bill of costs, and that branch of the motion of the defendant Paula Guy which was pursuant to CPLR 3211(a)(3) to dismiss the complaint insofar as asserted against her for lack of standing is denied.

The plaintiff commenced this mortgage foreclosure action in 2012, alleging that the defendant Paula Guy failed to comply with the conditions of the mortgage by not making the payments due thereunder. Guy moved, inter alia, pursuant to CPLR 3211(a)(3) to dismiss the complaint insofar as asserted against her for lack of standing. In opposition to Guy's motion, the plaintiff submitted, among other things, the underlying adjustable rate note with an affixed undated allonge endorsed in blank, indicating that the plaintiff was the transferee of the note. In an order dated December 7, 2012, the Supreme Court, inter alia, conditionally granted that branch of Guy's motion which was pursuant to CPLR 3211(a)(3) to dismiss the complaint insofar as asserted against her for lack of standing to the extent of directing the dismissal of the complaint in the event that the plaintiff failed to submit evidence to establish standing by a certain date. In an order dated August 22, 2013, the Supreme Court granted that branch of Guy's motion which was to dismiss the complaint insofar as asserted against her for lack of standing based upon the plaintiff's failure to comply with the order dated December 7, 2012. The plaintiff appeals.

“A plaintiff establishes its standing in a mortgage foreclosure action by demonstrating that it is both the holder or assignee of the subject mortgage and the holder or assignee of the underlying note at the time the action is commenced” (Kondaur Capital Corp. v. McCary, 115 A.D.3d 649, 650, 981 N.Y.S.2d 547 ; see HSBC Bank USA v. Hernandez, 92 A.D.3d 843, 939 N.Y.S.2d 120 ; Bank of N.Y. v. Silverberg, 86 A.D.3d 274, 279, 926 N.Y.S.2d 532 ; Wells Fargo Bank, N.A. v. Marchione, 69 A.D.3d 204, 209, 887 N.Y.S.2d 615 ; U.S. Bank, N.A. v. Collymore, 68 A.D.3d 752, 753, 890 N.Y.S.2d 578 ). The plaintiff may demonstrate that it is the holder or assignee of the underlying note by showing either a written assignment of the underlying note or the physical delivery of the note (see Kondaur Capital Corp. v. McCary, 115 A.D.3d at 650, 981 N.Y.S.2d 547 ; Aurora Loan Servs., LLC v. Weisblum, 85 A.D.3d 95, 108, 923 N.Y.S.2d 609 ; U.S. Bank, N.A. v. Collymore, 68 A.D.3d at 754, 890 N.Y.S.2d 578 ). On a defendant's motion pursuant to CPLR 3211(a)(3) to dismiss the complaint based upon the plaintiff's alleged lack of standing, the burden is on the moving defendant to...