UNITED STATES DISTRICT COURT

SOUTHERN DISTRICT OF FLORIDA

Case No. 22-cv-23028-BLOOM

MARK A. TURNER, 

Plaintiff, 

v. 

ROCKET MORTGAGE, LLC, 

and AMROCK, LLC,

Defendants. 

_____________________________/ 

ORDER ON DEFENDANTS’ MOTION TO DISMISS

THIS CAUSE is before the Court on Defendants Rocket Mortgage, LLC and Amrock, 

LLC’s (“Defendants”) Motion to Dismiss for Plaintiff’s Failure to Comply with the Court’s Order 

and Request for Attorneys’ Fees and Costs, ECF No. [130] (“Motion”). Plaintiff Mark. A. Turner 

filed a Response, ECF No. [132], and Defendants did not file a reply. The Court has considered 

the Motion, the Response, the record in this case, the applicable law, and is otherwise duly advised. 

For the following reasons, the Motion is granted in part and denied in part. 

I. BACKGROUND

This case involves a mortgage agreement between Plaintiff and Defendants. Plaintiff 

appearing pro se filed his Second Amended Complaint and alleged the following: Plaintiff and 

Rocket Mortgage, LLC entered into a mortgage agreement. 2d Am. Compl. ¶ 1, ECF No. [26]. On 

December 23, 2020, Plaintiff and Rocket Mortgage, LLC entered into an agreement setting forth 

the mortgage loan’s terms and conditions. Id. ¶ 3. Rocket Mortgage, LLC employed Defendant 

Amrock, LLC to “close the loan agreement.” Id. ¶ 2. On May 31, 2022, Rocket Mortgage explained 

that Plaintiff was in arrears. Id. ¶ 4. Defendants disbursed an insufficient and partial payment for 

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Plaintiff’s real estate taxes. Id. ¶ 5. Defendants also issued Plaintiff a “refund check” for $2,900.00. 

Id. ¶ 6. The parties attempted to resolve the dispute concerning Plaintiff’s loan payments to no 

avail. See id. ¶ 7. Defendants did not “insure or adjust” Plaintiff’s real estate tax payment to MiamiDade County. Id. at 5-6. Plaintiff claims that Defendants committed a breach of fiduciary duty

(Count I), committed fraud (Counts II and V), are liable for negligence (Count III), and violated 

the Fair Credit Reporting Act (“FCRA”) (Count IV). See generally 2d Am. Compl. at 7-8.

In the Motion, Defendants contend the Second Amended Complaint is an impermissible 

shotgun pleading, fails to state a claim under 12(b)(6), and should be dismissed on that basis.

1 ECF 

No. [130] at 2, 3. Defendants also contend that dismissal is warranted under Rule 41 for failing to 

comply with the Court’s August 10, 2023 Order that required Plaintiff to execute the Settlement 

Agreement to which he agreed at the Settlement Conference before the Magistrate Judge, ECF No. 

[121] at 10 (“August 10, 2023 Order”). ECF No. [130] at 3-5 (citing Equity Lifestyle Props., Inc. 

v. Fla. Moving & Landscape Serv., Inc., 556 F.3d 1232, 1240 (11th Cir. 2009) (citing Rule 41(b))). 

Defendants also request attorneys’ fees due to Plaintiff’s continued bad faith conduct. Id. at 5-6. 

Defendants had previously filed a motion to dismiss the Second Amended Complaint, ECF 

No. [35] (“December 2, 2022 Motion”), which the Court had referred to Magistrate Judge Alicia 

M. Otazo-Reyes for a Report and Recommendations. ECF No. [40]. On May 22, 2023, the Court 

entered an Order administratively closing the case, which denied all pending motions as moot, 

including that motion, on the grounds that a Notice of Outcome of Continued Settlement 

Conference (ECF No. [89]) indicated that the parties had reached a settlement of the claims in this 

case. ECF No. [91] (“Order Administratively Closing Case”).2

1 Unless otherwise indicated, all references to the Rules are to the Federal Rules of Civil Procedure. 

2 Since the entry of the Order Administratively Closing Case, the Court has denied Plaintiff’s 

motion to reopen the case. ECF No. [121]. Moreover, the Court has denied multiple motions that the Court 

found to be unmeritorious. See ECF Nos. [124], [128], [138]. Below, the Court will consider the arguments 

raised by Defendants in the December 2, 2022 Motion because Defendants have not filed an answer in this

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Plaintiff responds that the Second Amended Complaint cured the deficiencies in the 

original Complaint. ECF No. [132] at 2. Plaintiff also asserts that he has not acted in bad faith, 

arguing that he has a legitimate right to raise objections and motions in opposition to adverse 

rulings. Id. at 2. 

II. LEGAL STANDARD

A pleading in a civil action must contain “a short and plain statement of the claim showing 

that the pleader is entitled to relief.” Fed. R. Civ. P. 8(a)(2). Although a complaint “does not need 

detailed factual allegations,” it must provide “more than labels and conclusions, and a formulaic 

recitation of the elements of a cause of action will not do.” Bell Atl. Corp. v. Twombly, 550 U.S. 

544, 555 (2007); see Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (explaining that Rule 8(a)(2)’s 

pleading standard “demands more than an unadorned, the-defendant-unlawfully-harmed-me 

accusation”). Nor can a complaint rest on “‘naked assertion[s]’ devoid of ‘further factual 

enhancement.’” Iqbal, 556 U.S. at 678 (quoting Twombly, 550 U.S. at 557 (alteration in original)). 

“To survive a motion to dismiss, a complaint must contain sufficient factual matter, accepted as 

true, to ‘state a claim to relief that is plausible on its face.’” Id. (quoting Twombly, 550 U.S. at 

570). When considering a motion to dismiss, the Court construes the pleadings broadly and views 

the allegations in the complaint in the light most favorable to the plaintiff. Bishop v. Ross Earle & 

Bonan, P.A., 817 F.3d 1268, 1270 (11th Cir. 2016); Levine v. World Fin. Network Nat’l Bank, 437 

F.3d 1118, 1120 (11th Cir. 2006). 

Plaintiff is a pro se litigant. Importantly, “[p]ro se pleadings are held to a less stringent 

standard than pleadings drafted by attorneys and [are] liberally construed.” Tannenbaum v. United 

action and the Motion incorporates the arguments in the former motion. See Fed. R. Civ. P. 12(b) (“A 

motion asserting any of these defenses must be made before pleading if a responsive pleading is allowed.”), 

Fed. R. Civ. P. 12(g)(2) (“a party that makes a motion under this rule must not make another motion under 

this rule raising a defense or objection that was available to the party but omitted from its earlier motion.”) 

(emphasis added).

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States, 148 F.3d 1262, 1263 (11th Cir. 1998). “But the leniency accorded pro se litigants does not 

give a court license to serve as de facto counsel for a party or to rewrite an otherwise deficient 

pleading to sustain an action.” Matthews, Wilson & Matthews, Inc. v. Capital City Bank, 614 F. 

App’x 969, 969 n.1 (11th Cir. 2015) (citing GJR Invs., Inc. v. Cnty. of Escambia, Fla., 132 F.3d 

1359, 1369 (11th Cir. 1998), overruled in part on other grounds by Randall v. Scott, 610 F.3d 701, 

709 (11th Cir. 2010)).

III. DISCUSSION

As a preliminary matter, the Court notes, as it has previously, that Plaintiff’s pleading 

contains “a confusing narrative . . . replete with immaterial facts not obviously connected to any 

particular cause of action.” ECF No. [23] at 4-5. Plaintiff’s claims appear to be related to 

Defendants’ failure to properly apply payments toward real estate taxes, but the allegations in the 

Second Amended Complaint are insufficiently clear to allow Defendants to formulate a response. 

The Second Amended Complaint is therefore a shotgun pleading that violates Rule 8(a)(2). See 

Byrne v. Nezhat, 261 F.3d 1075, 1129-30 (11th Cir. 2001) (finding that the complaints in the case 

were “so vague and ambiguous that [the defendants] [could] not reasonably be required to frame 

a responsive pleading.”). 

Relatedly, the Second Amended Complaint fails to state claims for relief. Count I must be 

dismissed because the Second Amended Complaint fails to adequately allege facts, as opposed to 

legal conclusions and argument, that support that Defendants owed Plaintiff a fiduciary duty, a 

necessary element for Plaintiff to prove for Defendants to be liable for a breach of a fiduciary duty. 

See Minotty v. Baudo, 42 So. 3d 824, 835-36 (Fla. 4th DCA 2010) (“The elements of a claim for 

breach of fiduciary duty are: (1) the existence of a fiduciary duty; (2) the breach of that duty; and 

(3) damage proximately caused by that breach.” (citing Gracey v. Eaker, 837 So. 2d 348, 353 (Fla. 

2002))).

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Counts II and V must also be dismissed because the Court discerns no facts alleged that 

support any of the elements of a fraud claim. Hercules Capital, Inc. v. Gittleman, 16-cv-81663, 

2018 WL 395489, at *21 (S.D. Fla. Jan. 12, 2018) (“A plaintiff must allege four elements to 

establish a fraud or a fraudulent misrepresentation claim: ‘(1) a false statement concerning a 

material fact; (2) the representor’s knowledge that the representation is false; (3) an intention that 

the representation induce another to act on it; and (4) consequent injury by the party acting in 

reliance on the representation.’” (quoting Butler v. Yusem, 44 So. 3d 102, 105 (Fla. 2010))). It 

follows that Plaintiff has failed to “state with particularity the circumstances constituting fraud” as 

required by Rule 9(b). See Douse v. Boston Sci. Corp., 314 F. Supp. 3d 1251, 1257 (M.D. Fla. 

2018) (dismissing fraudulent misrepresentation claim for failing to meet the particularity threshold 

of Rule 9(b)).

Moreover, the Second Amended Complaint alleges that the parties entered into a contract 

agreement. 2d Am. Compl. ¶¶ 1-4. The Second Amended Complaint alleges no facts constituting 

a tort that is independent of that relationship. Count III must therefore be dismissed under the 

independent tort doctrine. See Burdick v. Bank of Am., N.A., 99 F. Supp. 3d 1372, 1378 (S.D. Fla. 

2015) (explaining that an allege duty as necessary to support a negligence claim “cannot stem from 

a contractual relationship between the parties.” (quoting Tiara Condominium Ass’n Inc. v. Marsh 

& McLennan Cos., Inc., 110 So. 3d 399, 408-09 (Fla. 2013) (Pariente, J., Concurring))).

Finally, Count IV must also be dismissed because the Second Amended Complaint failed 

to allege that Defendants failed to conduct a reasonable investigation of their records to determine 

whether the information that Plaintiff disputes can be verified. See Arianas v. LVNV Funding LLC, 

132 F. Supp. 3d 1322, 1326 (M.D. Fla. 2015) (“If a furnisher receives notice of a customer’s 

dispute from a credit reporting agency, the furnisher is required to conduct ‘a reasonable 

investigation of their records to determine whether the disputed information can be verified.’”).

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Accordingly, none of the Counts in the Second Amended Complaint state a claim for relief. 

The Second Amended Complaint is Plaintiff’s third attempt at filing a pleading that complies with 

federal standards. The complete absence of factual allegations supporting the elements of 

Plaintiff’s claims is consistent with the absence of necessary facts to prove those claims. Under 

theoe circumstances, the Court finds dismissal with prejudice is warranted because amendment 

would be futile. See Watkins v. Dejesus, 786 Fed. App’x. 217, 219 (11th Cir. 2019) (affirming 

lower court decision denying pro se plaintiff leave to amend and holding “[d]ismissal with 

prejudice may be appropriate if granting leave to amend would be futile because the complaint as 

amended would still be properly dismissed or be immediately subject to summary judgment for

the defendant.” (citing Cockrell v. Sparks, 510 F.3d 1307, 1310 (11th Cir. 2007))).

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Turning to Defendants’ request for attorneys’ fees, the Court notes that the request does 

not comply with the Local Rules. Local Rule 7.3(a) outlines certain requirements for motions 

seeking attorneys’ fees, including that they state the amount sought by Defendants. As such, the 

Court will deny Defendants’ request without prejudice and Defendants may renew their request 

for attorneys’ fees by separate motion.

Accordingly, it is ORDERED AND ADJUDGED as follows:

1. Defendants’ Motion to Dismiss for Plaintiff’s Failure to Comply with the Court’s 

Order and Request for Attorneys’ Fees and Costs, ECF No. [130], is GRANTED 

IN PART AND DENIED IN PART. Plaintiff’s Second Amended Complaint, 

ECF No. [26], is DISMISSED WITH PREJUDICE for failure to state a claim 

for relief and because it is an impermissible shotgun pleading. Defendants’ request 

for attorneys’ fees is DENIED WITHOUT PREJUDICE.

3 Having disposed of the Counts in the Second Amended Complaint, the Court does not reach 

Defendants’ arguments pertaining to Rule 41(b). 

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2. To the extent not otherwise disposed of, all pending motions are DENIED AS

MOOT and all deadlines are TERMINATED.

DONE AND ORDERED in Chambers at Miami, Florida, on December 4, 2023.

_________________________________

BETH BLOOM

UNITED STATES DISTRICT JUDGE

Copies to: 

Counsel of Record

Mark A. Turner 

1411 SE 26th Avenue 

Homestead, FL 33035 

PRO SE

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