NOT RECOMMENDED FOR PUBLICATION 

File Name: 18a0034n.06 

No. 17-1228 

UNITED STATES COURT OF APPEALS 

FOR THE SIXTH CIRCUIT 

TIFFANY WIGGINS, 

 Plaintiff-Appellant, 

 v. 

OCWEN LOAN SERVICING, LLC, 

 Defendant-Appellee. 

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ON APPEAL FROM THE 

UNITED STATES DISTRICT 

COURT FOR THE EASTERN 

DISTRICT OF MICHIGAN 

BEFORE: MERRITT, GRIFFIN, and DONALD, Circuit Judges. 

GRIFFIN, Circuit Judge. 

 Plaintiff Tiffany Wiggins alleges defendant Ocwen Loan Servicing, LLC improperly 

denied her request for a loan modification and then illegally foreclosed on her home. Wiggins 

contends this violated the Real Estate Settlement Procedures Act and Michigan law. The district 

court dismissed plaintiff’s complaint for failing to state a claim. We affirm, finding her briefing 

so woefully deficient as to constitute abandonment on appeal. 

I. 

 Following injury, illness, and a loss of income, Wiggins fell behind on mortgage 

payments for her home in Shelby Township, Michigan. The servicer of her loan, Ocwen, began 

foreclosure proceedings; it first published notice of foreclosure on February 19, 2015, for a 

scheduled March 20, 2015, foreclosure sale. Wiggins then “requested a modification review 
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Wiggins v. Ocwen Loan Serv. 

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from Defendant Ocwen.” More specifically, Wiggins submitted a “Request for Mortgage 

Assistance” under the federal Home Affordable Modification Program on February 26, 2015—a 

week after Ocwen published its first notice of foreclosure.1

 However, Ocwen “returned an 

explanation that did not make sense”; it denied her request due to Ocwen overstating her 

monthly income and understating her monthly mortgage payment, and provided two different 

principal balance statements. Wiggins attempted to correct these falsities to no avail, and was 

unable to modify the terms of her loan. 

 Wiggins commenced this action in state court in September 2015, alleging four causes of 

action: (1) violation of the Real Estate Settlement Procedures Act (RESPA); (2) illegal 

foreclosure under MCL § 600.3204; (3) negligence; and (4) “exemplary damages.” Following 

removal and an attempted settlement, a Sheriff’s sale was executed on May 27, 2016. Ocwen 

then filed a “motion to dismiss, and/or for summary judgment.” The district court treated 

defendant’s motion as one solely on the pleadings and dismissed plaintiff’s complaint for failing 

to state a claim under Federal Rule of Civil Procedure 12(b)(6). Wiggins appeals the district 

court’s dismissal of her complaint in its entirety. 

II. 

We review de novo a district court’s order dismissing a claim under Rule 12(b)(6). 

Glazer v. Chase Home Fin. LLC, 704 F.3d 453, 457 (6th Cir. 2013). In doing so, we accept all 

well-pled factual allegations as true and determine whether they plausibly state a claim for relief. 

 1

We draw some of these facts that are outside the four corners of the complaint from 

documents Ocwen presented to the district court, namely plaintiff’s loan modification application 

and public records regarding her foreclosure. As the district court correctly found (and as 

uncontested by plaintiff), these documents are ripe for consideration at the motion-to-dismiss 

stage because they were either (a) public records subject to judicial notice, or (b) referred to in 

the complaint and central to plaintiff’s claims. See, e.g., Ashland, Inc. v. Oppenheimer & Co., 

Inc., 648 F.3d 461, 467 (6th Cir. 2011). 
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Wiggins v. Ocwen Loan Serv. 

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Roberts v. Hamer, 655 F.3d 578, 581 (6th Cir. 2011). “Threadbare recitals of the elements of a 

cause of action, supported by mere conclusory statements, do not suffice[,]” Ashcroft v. Iqbal, 

556 U.S. 662, 678 (2009) (citing Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007)), and we 

“need not accept as true a legal conclusion couched as a factual allegation, or an unwarranted 

factual inference[.]” Handy–Clay v. City of Memphis, Tenn., 695 F.3d 531, 539 (6th Cir. 2012) 

(quotation marks and citation omitted). 

III. 

 We begin with plaintiff’s RESPA claims. 12 U.S.C. § 2605(k)(1)(E) prohibits mortgage 

servicers from failing to comply with regulations implementing RESPA, and correspondingly, 

12 C.F.R. § 1024(a) allows borrowers to enforce RESPA’s loss mitigation procedures. Wiggins 

alleges Ocwen failed to comply with two of these procedures, each of which prohibit a servicer 

from taking certain actions upon the borrower filing a complete and timely loss mitigation 

application. If that occurs, § 1024.41(f)(2) disallows a servicer (with exceptions not applicable 

here) from “mak[ing] the first notice or filing required by applicable law for any judicial or nonjudicial foreclosure process” and § 1024.41(g) forbids (again, with some exceptions) a servicer 

from “mov[ing] for foreclosure judgment or order of sale, or conduct[ing] a foreclosure sale.” 

Wiggins alleges Ocwen violated these provisions because it “referr[ed] Plaintiff’ [sic] 

loan to foreclosure after loss mitigation had begun and the review was in process,” and 

“continued to pursue the foreclosure sale of the home” despite “knowing of error in income and 

payment information.” The district court disagreed, first concluding the complaint did “not 

plausibly state that she filed a ‘complete loss mitigation application.’” And even if she did, the 

district court held it was not timely under either (f)(2) or (g), noting that the former applies if a 

borrower requests a modification before the servicer files its first notice of foreclosure and the 
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latter applies if the application is made more than thirty-seven days before the scheduled 

foreclosure sale. Because Wiggins met neither timeline, the district court dismissed her RESPA 

claims. 

 On appeal, Wiggins submitted a brief that is nearly identical to her response to Ocwen’s 

dispositive motion below, with minor linguistic changes reflecting the appellate posture—i.e., 

“appellant” in lieu of “plaintiff.” As far as we can discern, the only difference of substance is 

Wiggins’s contention that the district court’s dismissal of her RESPA claims was “outrageous,” 

as stated in the following conclusory and unsupported two sentences: 

[The district court’s opinion] is outrageous as [Ocwen] reviewed the completed 

application and used the wrong income amount as established in [plaintiff]’s 

complaint and exhibits. Moreover, there were several completed modification 

applications as the home was foreclosed after this litigation had been ongoing for 

almost a year without notice. 

(citations and emphasis omitted). Hyperbole aside, these sentences fail to respond to Judge 

Michelson’s critiques of plaintiff’s RESPA claims. 

 Time and time again, we have found such lackluster briefing, without “any sort of 

argument for the reversal of the district court,” Geboy v. Brigano, 489 F.3d 752, 767 (6th Cir. 

2007), or “cogent” the-district-court-got-it-wrong analysis, “constitutes abandonment.” Burley v. 

Gagacki, 834 F.3d 606, 618 (6th Cir. 2016); see also White Oak Prop. Dev., LLC v. Washington 

Twp., 606 F.3d 842, 850 (6th Cir. 2010) (“perfunctory” and “nebulous” argument renders an 

issue forfeited). And we have done so in several similar Michigan residential foreclosure cases. 

See, e.g., Hall v. U.S. Bank, N.A., 626 F. App’x 114, 116 (6th Cir. 2015); Gjokaj v. HSBC Mortg. 

Servs., Inc., 602 F. App’x 275, 279 (6th Cir. 2015). We take that same approach here and deem 

Wiggins’s challenge to the district court’s dismissal of her RESPA claims abandoned. 
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IV. 

 The remainder of plaintiff’s claims of appeal fail for the same reason. She again 

submitted nearly identical briefing to us that she did below—briefing the district court aptly 

considered and rejected as raising arguments wholly without merit. Having failed to advance 

any argument as to why Judge Michelson’s well-reasoned opinion is deficient, we deem the 

remaining issues unpreserved for appellate review.2 See, e.g., Geboy, 489 F.3d at 767. 

V. 

 Finally, Ocwen requests that we remand the matter to the district court with instructions 

that it dismiss the complaint with, as opposed to without, prejudice. When an appellee “wishes 

to attack part of a final judgment in order to enlarge his rights or to reduce those of his 

adversary,” he must file a cross appeal, and the failure to do so strips us of jurisdiction to 

consider his argument. Francis v. Clark Equip. Co., 993 F.2d 545, 552 (6th Cir. 1993). “A cross 

appeal is necessary even if the appellee merely seeks to correct an error or to supplement the 

decree with respect to a matter not dealt with below.” Olympic Fastening Sys., Inc. v. Textron 

Inc., 504 F.2d 609, 617 (6th Cir. 1974). We have held a request to “transform the district court’s 

dismissal without prejudice into a dismissal with prejudice” constitutes a bid to enlarge an 

appellee’s rights that we may not consider absent a cross appeal. United States v. Neal, 93 F.3d 

 2

One more point is in order regarding plaintiff’s negligence claim. Wiggins claims 

Ocwen had a duty to properly evaluate her loan modification request and that RESPA’s 

regulations provide the standard of care sufficient to support a negligence action under Michigan 

law. This argument is one plaintiff’s counsel has advanced before, see, e.g., Rush v. Mac, 792 

F.3d 600, 605 (6th Cir. 2015); Ray v. U.S. Bank Ass’n, 627 F. App’x 452, 457 (6th Cir. 2015); 

and Campbell v. Nationstar Mortg., 611 F. App’x 288, 298–300 (6th Cir. 2015), and is one she 

has lost before. See, e.g., Rush, 792 F.3d at 605 (“Under Michigan law, a homeowner who has 

defaulted may not simply waive the [mortgage] contract and sue in negligence.”). The district 

court expressly relied upon Campbell and Rush to dismiss plaintiff’s negligence claim, yet those 

cases went unmentioned in the brief submitted by Wiggins’s counsel. The lack of candor on 

appeal is not well-taken. 
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219, 224 (6th Cir. 1996); see also Conover v. Lein, 87 F.3d 905, 908–09 (7th Cir. 1996). 

Because Ocwen did not file a cross appeal, we dismiss its argument for lack of jurisdiction. 

VI. 

For these reasons, we affirm the judgment of the district court.