NOT PRECEDENTIAL UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT

______________ No. 15

- 3104

______________ ESTATE OF EGENIOUS COLES, by and through Frederick Coles, III, Executor, Appellant

v. ZUCKER, GOLDBERG & ACK ERMAN; NATIONAL CITY MORTGAGE CO, d/b/a Eastern Mortgage Services; PNC MORTGAGE, the successor in interest to National City Mortgage Co. dba Eastern Mortgage Services;

BALLARD SPAHR, LLP

______________ ON APPEAL FROM THE UNIT ED STATES DISTRICT C OURT

FOR THE DISTRICT OF NEW JERS EY (D.C. Civil Action No. 3

- 14

- cv - 01612 ) District Judge: Honorable Freda L. Wolfs on

______________ Submitted Under Third Circuit L.A.R. 34.1(a)

June 21, 2016

______________ Before: FISHER , GREENAWAY, JR. and ROTH , Circuit Jud ges . ( Opinion Filed: July 1 2 , 2016 )2 ______________ OPINION *

______________ GREENAWAY, JR., Circuit Judge

. Plaintiff

- A ppellant Frederick Coles , III, as executor of the estate of Egenious Coles (“Coles”) , appeals the District Court’s judgment dismissing a complaint against Defendants

- Appellees PNC Mortgage , successor in interest to National City Mortgage
Co. (“National City”) d /b/a/ Eastern Mortgage Services, and Ballard Spahr LLP (“Ballard Spahr”)

. 1 For the following reasons , we will affirm t he District Court’s judgment.

I. Background 2 In December 2004, Coles obtained a mortgage issued by National City , which was secured by real estate in Plainfield, New Jersey

. Coles made timely payments on the mortgage until March 2009 and , one month later, National City declared the mortgage in default. Pursuant to the default, in May 2009, National City sent Coles a Notice of Intention to Foreclose designating itself as the lender on the mortgage. Several months

* This disposition is not an opinion of the full Court and pursuant to I.O.P. 5.7 does not constitute binding precedent.

1 Appellant has chosen not to appeal the District Court’s dismissal of the complaint with respect to the remaining named defendant, Zucker Goldberg & Ac kerman (“Zucker Goldb erg”)

.

2 As this matter is before us at the motion to dismiss stage, the following facts , which are taken from the allegations in the plaintiff’s complaint , are set forth as if true

.3

later, in August 2009, National City engage d law firm Zucker Goldberg to file a Foreclosure Complaint on National City’s behalf with the Superior Court of New Jersey

. National City later retained Ballard Spahr to replace Zucker Goldberg as counsel in the
matter. Throughout the foreclosure litig ation, National City represented to Coles through its counsel that it was the lender on her mortgage and that it had not assigned the mortgage. However , Coles later learned that , contrary to National City’s representations, it had executed an Assignment o f Mortgage dated June 2013 in favor of Wilmington Trust Company. Coles contended that the A ssignment of Mortgage document wa s a sham and that the mortgage was, in fact, assigned to Wilmington Trust Company before May 2005

— well before National City commenc ed its foreclosure action against Coles

. According to Coles , the foreclosure action brought by National City in its own name in August 2009 was a fraud because National City no longer owned Coles’s mortgage.
Based on National City’s alleged misrepresenta tions, Coles filed a federal complaint against, inter alia, PNC Mortgage, successor in interest to National City , and its counsel Ballard Spahr , alleging several violations of the F air Debt Collection Practices Act (“FDCPA” or the “Act” ), 15 U.S.C. § § 1692 f(1), 1692g(b), 1692d. The District Court dismissed the complaint without prejudice against both defendants, concluding that Coles had not sufficiently pled that the defendants were “debt collectors” within the meaning of the FDCPA

— a prerequisite to suit under the Act

. Appellant filed this timely appeal.4

II. Jurisdiction and Standard of Review The District Court had jurisdiction pursuant to 28 U.S.C. § 1331. We have appellate jurisdiction pursuant to 28 U.S.C. § 1291. Although we ordinarily do not have ju risdiction over a district court’s dismissal of a complaint without prejudice, Appellant has indicated an intention to “‘stand’ on the dismissed complaint” rather than re

- file it and so the District Court’s judgment is final. S.B. v. KinderCare Learning C trs. , LLC , 815 F.3d 150, 152 & n.1 (3d Cir. 2016)

. We exercise plenary review o ver the D istrict C ourt’s dismissal of the complaint

. Connelly v. Lane Constr. Corp. , 809 F.3d 780, 786 n.2 (3d Cir. 2016)

. “[W]e must accept all well

- pled allegations in the complaint as true and draw all reasonable
inferen ces in favor of” the plaintiff. Pearson v. Sec’y Dep’t of Corr

. , 775 F.3d 598, 604 (3d Cir. 2015) (internal quotation marks omitted) (quoting Brown v. Card Serv. Ctr. , 464 F.3d 450, 452 (3d Cir. 2006)). “ T o survive a motion to dismiss, a complaint must contain sufficient factua l matter, accepted as true, to state a claim to relief that is plausible on its face. ” Id. (internal quotation marks omitted) (quoting Ashcroft v. Iqbal , 556 U.S. 662 , 678 (2009))

.

III. Analysis “To prevail on an FD CPA claim, a plaintiff must prove that (1) she is a consumer, (2) the defendant is a de bt collector, (3) the defendant’ s challenged practice involve s an5

attempt to collect a ‘debt’ as the Act defines it, and (4) the defendant has violated a provision of the FDCPA in attempting to collect the debt.” Douglass v. Convergent Outsourcing , 765 F.3d 299, 303 (3d Cir. 2014). The issue in this appeal is whether the complaint has sufficiently pled that PNC Mortgage and Ballard Spahr ar e “debt collectors.” The FDCPA provides that a “ debt collector” is “ any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or att empts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. ” 15
U.S.C. § 1692a (6)

. Here, t he complaint does not allege, even in a conclusory fashion, that PNC Mortgage is a “debt collector

. ” Appellant nonetheless a rgues that the District Court erred in dismissing the complaint because an exhibit appended to the complaint (Exhibit B) demonstrates that PNC Mortgage regularly collects or attempts to collect debts owed to another. 3 However , the complaint doe s not conta in any reference to Exhibit B in this
context and Appellant made no such argument before the District Court

. “It is axiomatic
that arguments asserted for the first time on appeal are deemed to be waived

. . . . ” In re Diet Drugs (Phentermine/Fenfluram ine /Dexfenfluramine) Prod. Liab. Litig. , 706 F.3d 217, 226 (3d Cir. 2013) (internal quotation marks omitted) (quoting Tri

- M Grp., L LC v. Sharp , 638 F.3d 406, 416 (3d Cir. 2011))

. In any event, w e cannot fault the District

3 Appellant also asks us to take judicial notice of exhibits referenced by Exhibit B , but did not provide those additional exhibits to the District Court and does not provide those exhibits to this Court

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Court for failing to intuit the nece ssary factual allegations from one of the many exhibits appended to the complaint. “Judges are not like pigs, hunting for truffles buried in the record.” Doeblers’ Pa. Hybrids, Inc. v. Doebler , 442 F.3d 812, 820 n.8 (3d Cir. 2006) (internal quotation mar ks omitted) (quoting Albrechtsen v. Bd. of Regents Univ. of Wis. Sys. , 309 F.3d 433, 436 (7th Cir. 2002))

. Moreover, the FDCPA exempts from the definition of “debt collector,” inter alia,

“ any person collecting or attempting to collect any debt owed or du e or asserted to be owed or due another to the extent such activity

. . . concerns a debt which was originated by such person .” 15 U.S.C. § 1692a(6)(F)(ii) (emphasis added). As the complaint itself acknowledges, PNC Mortgage (as successor in interest to National City) was the originator of the mortgage at issue. See J.A. 28 ¶ 7. Appellant provides no argument as to why the originator exemption does not apply in this case

. Therefore, t he District Court correctly dismissed the complaint with respect to P NC Mortgage. As to Ballard Spahr, t he complaint allege s , in a conclusory fashion, that the law
firm is a “debt collector” by quoting the relevant definition from the FDCPA. However, beyond this legal conclusion, the complaint provides no factual allegati ons that suggest Ballard Spahr regularly collects or attempts to collect debts owed to another. See Connelly , 809 F.3d 790. And Appellant provides no further argument on appeal other than to again recite the statutory definition of “debt collector

. ” “[M ]ere ‘ [t]hreadba re recitals of the elements of a cause of action, sup ported by conclusory statements’ are insufficient to survive a motion to dismiss. ” Pearson , 775 F.3d at 604 (second alteration7

in original) (quoting Iqbal , 556 U.S. at 678)

. Accordingly , t he District Court correctly dismissed the complaint with respect to Ballard Spahr.

IV. Conclusion For the foregoing reasons, we will affirm the District Court ’s judgment dismissing the complaint , without prejudice

.