The court in deciding Champion v. Bank of Am., N.A., 2014 U.S. Dist. 78 (E.D.N.C., 2014) dismissed the plaintiff’s FDCPA and RESPA claims.

Plaintiff initiated this action asserting claims for violations of the Fair Debt Collection Practices Act (“FDCPA”), the Real Estate Settlement Procedures Act (“RESPA”), and North Carolina statutory and common law. In response, the moving defendants filed the instant motion to dismiss pursuant to Federal Rule of Civil Procedure 12(b)(6).

The court first considered plaintiff’s federal claims. The movants’ primary arguments for dismissal of this claim was that plaintiff had failed to sufficiently allege that BANA was a debt collector under the FDCPA. The court agreed with this argument.

Plaintiff’s other federal claim was asserted under RESPA. Plaintiff alleged that defendants collectively violated that act ” through numerous assignments and transfers of the note and deed of trust without having given the proper notice to plaintiff within the proper time frame,” and “by failing to inform Plaintiff of any transfers of the loan servicing of her loan.”

However, the court agreed with the movants that plaintiff had failed to allege any damages flowing from the purported failure to be notified of the change in the entity servicing her mortgage. Accordingly the court dismissed the plaintiff’s remaining claims.