Sorrentino v. Fay Servicing, LLCSorrentino v. Fay Servicing, LLC
RULING AND ORDER ON DEFENDANTS’ MOTION TO DISMISS
Sarala V. Nagala, United States District Judge.
In this action, pro se Plaintiff Kathryn Sorrentino alleges violations of her federal rights by Defendants Fay Servicing, LLC (“Fay Servicing”) and its CEO Ed Fay with respect to periodic mortgage statements sent by Fay Servicing, which Plaintiff alleges were inducements to collect payment on debts and included false, misleading, and unfair representations. Following dismissal of her original complaint, Plaintiff filed an amended complaint, bringing one claim under the Fair Debt Collection Practices Act (“FDCPA”),
I. FACTUAL BACKGROUND
Plaintiff commenced this action on January 17, 2025. Compl., ECF No. 1. Defendants moved to dismiss Plaintiff’s original complaint; this Court granted that motion in full. See Sorrentino v. Fay Serv., LLC, No. 3:25-CV-98 (SVN), 2025 WL 2675531 (D. Conn. Sept. 18, 2025) (“First MTD Ruling”). As part of that ruling, the Court granted Plaintiff leave to amend her FDCPA claim, but dismissed without leave to amend her Truth in Lending Act (“TILA”) claim as
Plaintiff alleges that Defendant Fay Servicing was attempting to collect a mortgage loan from her. Am. Compl., ECF No. 34 ¶ 15. She alleges that her ex-spouse Saverio Sorrentino (“Mr. Sorrentino”) executed a promissory note (the “Note”) on June 24, 2005, in the amount of $395,500, in connection with the purchase of a property. Id. ¶ 5; see also Open Ended Mortgage Deed, Ex. B, id. at 13. Under the terms of the Open Ended Mortgage Deed (the “Mortgage”), both Plaintiff and Mr. Sorrentino are listed as the “Borrower.” ECF No. 34 at 13. The Mortgage defines the Note as “the promissory note signed by Borrower and dated June 24, 2005.” Id.
On May 10, 2010, Mr. Sorrentino quitclaimed the property to Plaintiff, making her the sole owner and title holder. Id. ¶ 6; Quitclaim Deed, Am. Compl. Ex. E, ECF No. 34 at 35. Plaintiff alleges Defendants are required to send periodic statements to Plaintiff regarding the status of the mortgage loan, including the amount due and the due date. Id. ¶ 17. In addition to this required information, Defendants included a “remittance form”—a “detachable coupon for submitting payment”—with the periodic statements. Id. ¶ 18; Mortgage Statement, Ex. A, ECF No. 34 at 9. Each of the mortgage statements Plaintiff has included with her amended complaint are addressed only to Mr. Sorrentino. Id. at 9–11.
The mortgage statements contain a section entitled “Delinquency Notice.” Id. at 9, 10. That section states, in relevant part: “You are late on your monthly payments. . . . Failure to bring the account current may result in additional fees or expenses, and in certain instances, you may the loss of your home to a foreclosure sale.” Id. at 9; see also id. at 10 (containing similar language).
Plaintiff alleges that Fay Servicing’s use of the remittance form was “not solely intended to inform Plaintiff of the debt owed,” but also “to induce payment,” thus constituting an attempt to collect a debt in violation of the FDCPA. Id. ¶ 32. Plaintiff claims these statements went “beyond mere informational disclosures required by law and instead were intended to collect the debt using false, misleading, and unfair representations.” Id. ¶ 23.
Defendant Ed Fay, as CEO and Chairman of Fay Servicing, oversaw the business practices of the company. Id. ¶ 24. Plaintiff asserts that he “had control over the practices that resulted in violations of the FDCPA” and “is responsible for the resulting communications.” Id. ¶¶ 24, 27.
Defendants have moved to dismiss the amended complaint, arguing that Plaintiff failed to cure the deficiencies identified by the Court in the original complaint, and otherwise fails to state a claim under the FDCPA as to either Defendant. Mot. to Dismiss, ECF Nos. 35, 36 (memorandum of law). Specifically, Defendants claim that Plaintiff failed to allege that she is a consumer as defined by the FDCPA, that Defendants are debt collectors as defined by the FDCPA, and that Defendants’ form mailings violate the FDCPA. See id. at 1, 10–12. Plaintiff opposes the motion, Pl.’s Opp’n., ECF No. 38, and has also requested leave to amend the complaint a second time, “for the express purpose of curing pleading deficiencies identified by the Court and/or Defendants.” Mot. to Amend, ECF No. 43 at 1.
II. LEGAL STANDARD
Pursuant to
The Court is not “bound to accept conclusory allegations or legal conclusions masquerading as factual conclusions,” Rolon v. Henneman, 517 F.3d 140, 149 (2d Cir. 2008) (internal quotation marks and citation omitted), and “a formulaic recitation of the elements of a cause of action will not do,” Iqbal, 556 U.S. at 678 (quoting Twombly, 550 U.S. at 555). Consequently, “[t]hreadbare recitals of the elements of a cause of action, supported by mere conclusory statements, do not suffice.” Id. (citing Twombly, 550 U.S. at 555). Ultimately, “[d]etermining whether a complaint states a plausible claim for relief will . . . be a context-specific task that requires the reviewing court to draw on its judicial experience and common sense.” Id. at 679.
These pleading standards apply to self-represented parties. It is true that courts are under an obligation to extend “special solicitude” to pro se litigants and ought to read their pleadings “to raise the strongest arguments that they suggest.” Fowlkes v. Ironworkers Local 40, 790 F.3d 378, 387 (2d Cir. 2015) (quoting Triestman v. Fed. Bureau of Prisons, 470 F.3d 471, 477 (2d Cir. 2006))
III. DISCUSSION
For the reasons explained below, the Court GRANTS Defendants’ motion to dismiss Plaintiff’s amended complaint, and denies Plaintiff’s motion for leave to amend.
A. FDCPA Claim
First, the Court dismisses Plaintiff’s FDCPA claim as set forth in the amended complaint.
Plaintiff alleges that Defendants have violated the FDCPA, including by making false or misleading statements under
The FDCPA was enacted to, among other things, “eliminate abusive debt collection practices by debt collectors,” and to “protect consumers against debt collection abuses.”
To bring a claim under the FDCPA, (1) the plaintiff “must be a consumer who allegedly owes the debt or a person who has been the object of efforts to collect a consumer debt, (2) the defendant collecting the debt must be considered a debt collector, and (3) the defendant must have engaged in an act or omission in violation of FDCPA requirements.” Doody, Trustee of Mary Y. Doody Revocable Trust Dated June 17, 2002 v. Nationstar Mortgage, LLC, No. 21-CV-00609 (VDO), 2023 WL 8476322, at *4 (D. Conn. Dec. 7, 2023) (“Doody”) (citing
1. Plaintiff as Consumer Under the FDCPA
First, the Court holds that Plaintiff has failed to adequately allege that she is a consumer who has been the object of debt collection efforts or a person who owes a debt.
Under the FDCPA, a “consumer” is “any natural person, whether living or deceased, obligated or allegedly obligated to pay any debt.”
To start, Plaintiff has not alleged she has been subjected to any debt collection practice. As noted above, all the mortgage statements included with Plaintiff’s complaint are addressed to “Saverio A Sorrentino,” not to Plaintiff. See ECF No. 34 at 9–11. Although Plaintiff alleges in conclusory fashion that “Defendant Fay Servicing, LLC was attempting to collect a mortgage loan from Plaintiff,” id. ¶ 15, the statements’ plain language indicates otherwise. And Plaintiff’s amended complaint provides no additional facts to support her conclusory allegation that Defendants were attempting to collect a debt from her through the periodic mortgage statements addressed to Mr. Sorrentino. Under the FDCPA, a hypothetical consumer is assumed to “possess
The Court notes that, even though Plaintiff has not demonstrated she is subject to any debt collection practice, it is somewhat unclear whether she owes any debt under the Note—the other basis for being a consumer under the FDCPA. See Doody, 2023 WL 8476322, at *4. Plaintiff’s amended complaint states that Mr. Sorrentino was the only individual who signed the Note, implying he would be the only party obligated under it. ECF No. 34 ¶ 16. No party has included the Note in the record, but Defendants do not contest Plaintiff’s assertion. See ECF No. 36 at 6. In the Mortgage, however, Plaintiff and Mr. Sorrentino are both listed as “Borrower,” and both signed and initialed the Mortgage. See ECF No. 34 at 13–23. The Mortgage further describes the “Note” as “the promissory note signed by Borrower and dated June 24, 2005.” Id. at 13 (emphasis added). Thus, by the terms of the Mortgage, because Plaintiff is also a “Borrower,” it is at least conceivable that she would have also signed the Note, making her someone who “owes the debt.” See Doody, 2023 WL 8476322 at *4. Nevertheless, as Plaintiff’s allegations are taken as true for
2. Defendants as Debt Collectors
Even assuming Plaintiff is a “consumer” under the FDCPA, however, she has not sufficiently alleged that either of the Defendants is a “debt collector” under the statute.
a. Ed Fay as a Debt Collector
First, Plaintiff has not sufficiently alleged Ed Fay is a “debt collector” under the FDCPA. Under the statute, 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 attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.”
The Court previously held that Plaintiff’s allegations in her original complaint fell short of alleging that Mr. Fay, Fay Servicing’s CEO, is a debt collector under the statute. First MTD Ruling, 2025 WL 2675531, at *5. Plaintiff has not rectified this deficiency in her amended complaint. It is true that “[i]ndividual defendants, such as directors or officers of a collection agency, may be held personally liable under the FDCPA.” Musso v. Seiders, 194 F.R.D. 43, 46 (D. Conn. 1999). But in order for an individual to be liable under the statute, the plaintiff must
For these reasons, Plaintiff has not alleged that Ed Fay was personally involved in any FDCPA violation, and thus he is not a “debt collector” for purposes of this claim. Defendants’ motion to dismiss Plaintiff’s complaint as to Ed Fay is therefore granted.
3. Fay Servicing as a Debt Collector
Plaintiff has also not sufficiently alleged that Fay Servicing is a “debt collector” under the FDCPA. The definition of debt collector excludes “any person collecting or attempting to collect any debt owed or due another to the extent such activity . . . concerns a debt which was not in default at the time it was obtained by such person.”
Plaintiff has not alleged that Fay Servicing acquired the debt after it was in default. The amended complaint indicates that the loan was 4,368 days delinquent as of December 17, 2024, ECF No. 34 ¶ 31; id. at 10, but fails to allege when Fay Servicing began servicing the loan or the status of the loan at that time. As such, Plaintiff does not plead sufficient facts demonstrating that Fay Servicing was a “debt collector” for purposes of the debt at issue. See Doody, 2023 WL 8476322, at *5 (“[Plaintiff] has not sufficiently alleged that [defendant], as a mortgage servicer, is a debt collector under the FDCPA because he has not pled that the mortgage was in default at the time [defendant] began servicing the debt.”); Qurashi v. Ocwen Loan Servicing, LLC, 760 F. App’x 66, 68 (2d Cir. 2019) (summary order) (affirming dismissal of FDCPA claims because pro se plaintiffs did not allege that their home loan was already in default at the time the defendant became the servicer); Obanya v. Select Portfolio Servicing, Inc., No. 14-CV-5255 (NGG) (LB), 2015 WL 5793603, at *7 (E.D.N.Y. Sept. 30, 2015) (“If [defendant] services plaintiff’s mortgage, plaintiff must plausibly allege that her mortgage was in default at the time that [defendant] began servicing it.”).
B. Plaintiff’s Request for Leave to File Second Amended Complaint
On December 18, 2025, Plaintiff moved for leave to file a second amended complaint to further address pleading deficiencies identified by the Court and Defendants. Mot. to Further Amend, ECF No. 43. Defendants oppose amendment on the ground of futility, citing ongoing deficiencies in each element of Plaintiff’s claims. Defs.’ Opp. to Mot. for Leave to Amend, ECF No. 44. While Plaintiff provides greater factual detail and specificity in her proposed second amended complaint, the Court nevertheless denies Plaintiff’s request and holds that her proposed amendment is futile.
Under
Accordingly, Plaintiff still fails to demonstrate that Defendants are debt collectors under the statute, and her proposed second amended complaint is futile. As Plaintiff has already been
IV. CONCLUSION
For the reasons described in this ruling, Defendants’ motion to dismiss, ECF No. 35, is GRANTED in full. Plaintiff’s motion for leave to file a second amended complaint, ECF No. 43, is DENIED. The Clerk is directed to enter judgment for Defendants and close this case.
SO ORDERED at Hartford, Connecticut, this 4th day of August, 2026.
/s/ Sarala V. Nagala
SARALA V. NAGALA
UNITED STATES DISTRICT JUDGE