[Cite as Wells Fargo Bank, N.A. v. Lundeen, 2020-Ohio-28.]

                              COURT OF APPEALS OF OHIO

                            EIGHTH APPELLATE DISTRICT
                               COUNTY OF CUYAHOGA

WELLS FARGO BANK, N.A.,                              :

                Plaintiff-Appellee,                  :
                                                             No. 107184
                v.                                   :

CYNTHIA LUNDEEN, ET AL.,                             :

                Defendants-Appellants.               :


                               JOURNAL ENTRY AND OPINION

                JUDGMENT: AFFIRMED
                RELEASED AND JOURNALIZED: January 9, 2020


            Civil Appeal from the Cuyahoga County Court of Common Pleas
                                Case No. CV-16-856890


                                           Appearances:

                Thompson Hine, L.L.P., Scott A. King, Richard A.
                Freshwater, Terry W. Posey, Jr., Todd Seaman, and
                Caitlin R. Thomas, for appellee.

                Cynthia Lundeen, pro se.



KATHLEEN ANN KEOUGH, J.:

                  In this foreclosure action, defendant-appellant, Cynthia Lundeen

(“Lundeen”), appeals from the trial court’s judgment that adopted a magistrate’s

decision and granted plaintiff-appellee, Wells Fargo Bank, N.A. (“Wells Fargo”), a
judgment on a note and a decree of foreclosure. Finding no merit to the appeal, we

affirm.

I.   Procedural Background

              On January 8, 2016, Wells Fargo filed a foreclosure complaint against

Lundeen, seeking the balance due on a promissory note and to foreclose on a

mortgage. On August 12, 2016, Wells Fargo filed a third amended complaint. Count

1 of the third amended complaint alleged that Wells Fargo was due the principal

amount of $364,579.25 under the note, plus interest, late charges, and other costs

and expenses, and Count 2 asserted that Wells Fargo was entitled to foreclose on the

mortgage in light of Lundeen’s default on the note.

              Copies of the note and mortgage were attached as Exhibits A and B to

the third amended complaint. The note, which was executed by Lundeen and

payable to World Savings Bank, FSB, bore an endorsement stating that the note was

payable to Wells Fargo as the successor by merger to Wachovia Mortgage FSB,

which was formerly known as World Savings Bank. The mortgage was also executed

by Lundeen in favor of World Savings Bank. Attached to the third amended

complaint were copies of the merger documents between World Savings Bank,

Wachovia, and Wells Fargo.

              On November 22, 2016, the clerk of courts sent a summons and the

third amended complaint to Lundeen by certified mail. The summons and third

amended complaint were returned to the court unclaimed. On January 18, 2017,
the clerk sent a summons and the third amended complaint to Lundeen by regular

mail; the clerk endorsed the summons with an answer date of February 15, 2017.

              On February 14, 2017, Lundeen filed a motion for an extension of time

to respond to the third amended complaint, and the trial court granted the motion.

On March 10, 2017, Lundeen requested additional time to respond to the third

amended complaint; the court granted Lundeen until May 1, 2017, to answer. On

that day, however, the case was referred to the court’s mediation program, and all

motion practice was stayed pending the mediation. The case did not settle and was

returned to the trial court for further proceedings on September 26, 2017.

              Lundeen never filed an answer to the third amended complaint.

However, on November 27, 2017, she filed a Civ.R. 12(B)(6) motion to dismiss the

case. In her motion, Lundeen argued that Wells Fargo did not have standing to bring

the foreclosure action because she had signed the note and mortgage with World

Savings Bank, and Wells Fargo had not alleged in the third amended complaint that

it was a successor to the note and mortgage by merger or a name change. Lundeen

made no argument regarding insufficiency of service. The trial court denied the

motion on January 8, 2018.

              In the meantime, on December 27, 2017, Wells Fargo filed a motion

for summary judgment. Lundeen filed a brief in opposition to the motion on

January 26, 2018. Although Lundeen argued that Wells Fargo was not entitled to

summary judgment for various reasons, she made no argument that she was never

served with the third amended complaint.
              On February 14, 2018, the magistrate issued a decision granting

summary judgment in favor of Wells Fargo. On February 22, 2018, Lundeen filed a

motion for findings of fact and conclusions of law with respect to the magistrate’s

decision, but she never filed any objections to the decision. On April 8, 2018, the

court denied Lundeen’s request for findings of fact and conclusions of law, ruling

that the magistrate’s decision contained fully elaborated findings of fact and

conclusions of law and therefore, no further relief was appropriate or necessary. On

April 13, 2018, the trial court issued its judgment entry adopting the magistrate’s

decision.

              On April 18, 2018, after the trial court had adopted the magistrate’s

decision, Lundeen filed an objection to the magistrate’s decision. The trial court

ordered the objection stricken, ruling that any objections were to be filed on or

before February 28, 2018, as required by Civ.R. 53(D)(3)(b)(1).        This appeal

followed.

II. Law and Analysis

      A. Standard of Review

              Normally, we review a trial court’s decision granting summary

judgment de novo, applying the same standard as the trial court applies under Civ.R.

56(C). Grafton v. Ohio Edison Co., 77 Ohio St.3d 102, 105, 671 N.E.2d 241 (1996).

We accord no deference to the trial court’s decision and independently review the

record to determine whether summary judgment is appropriate. Ruf v. Belfance,

9th Dist. Summit No. 26297, 2013-Ohio-160, ¶ 8.
               In this case, however, because Lundeen failed to timely object to the

magistrate’s decision granting Wells Fargo’s motion for summary judgment, she has

waived all but plain error. In matters referred to a magistrate, Civ.R. 53(D)(3)(b)

imposes an affirmative duty on parties to submit timely, specific, written objections

to the trial court, identifying any error of fact or law in the magistrate’s decision.

Hameed v. Rhoades, 8th Dist. Cuyahoga No. 94267, 2010-Ohio-4894, ¶ 14;

Huntington Natl. Bank v. Blount, 8th Dist. Cuyahoga No. 98514, 2013-Ohio-3128,

¶ 11. Civ.R. 53(D)(3)(b)(iv) provides that “[e]xcept for a claim of plain error, a party

shall not assign as error on appeal the court’s adoption of any factual finding or legal

conclusion * * * unless the party has objected to that finding or conclusion as

required by Civ.R. 53(D)(3)(b).” Simply put, “one cannot object to an error on

appeal that was not raised to the trial court who adopted a magistrate’s decision.”

Naple v. Bednarik, 7th Dist. Mahoning No. 11 MA 121, 2012-Ohio-5881, ¶ 34. See

also Third Fed. S. & L. v. McCulloch, 8th Dist. Cuyahoga No. 97525, 2012-Ohio-

1956, ¶ 13 (where mortgagors did not file objections to magistrate’s decision

granting summary judgment in favor of mortgagee bank, mortgagees “waived any

error by failing to timely object” when trial court thereafter adopted the magistrate’s

decision).

               “Plain errors are errors in the judicial process that are clearly

apparent on the face of the record and are prejudicial to the appellant.” Macintosh

Farms Community Assn., Inc. v. Baker, 8th Dist. Cuyahoga No. 102820, 2015-Ohio-

5263, ¶ 8, citing Reichert v. Ingersoll, 18 Ohio St.3d 220, 223, 480 N.E.2d 802
(1985). When applying the plain error doctrine in the civil context, reviewing courts

“must proceed with the utmost caution.” Goldfuss v. Davidson, 79 Ohio St.3d 116,

121, 679 N.E.2d 1099 (1997). The doctrine is limited to those “extremely rare cases”

in which “exceptional circumstances require its application to prevent a manifest

miscarriage of justice, and where the error complained of, if left uncorrected, would

have a materially adverse effect on the character of, and public confidence in, judicial

proceedings.” Id. This is not that case. We find no error, plain or otherwise, in the

trial court’s entry of summary judgment in this case.

      B. Sufficiency of Service

                  Lundeen’s first three assignments of error all relate to sufficiency of

service of the third amended complaint. In her first assignment of error, Lundeen

asserts that the trial court erred in granting summary judgment to Wells Fargo

because she was never served with the third amended complaint and, therefore, the

action was not commenced within one year of filing, as required by Civ.R. 3(A). In

her second assignment of error, Lundeen contends that the trial court erred in

granting summary judgment because she was never served with the third amended

complaint and, therefore, the trial court should have dismissed the action on its own

initiative pursuant to Civ.R. 4(E). In her third assignment of error, Lundeen

contends that the trial court erred in granting summary judgment to Wells Fargo

because she was never served with the third amended complaint and, therefore, the

trial court should have sua sponte stricken the third amended complaint pursuant

to Civ.R. 3(A).
               Lundeen did not raise any of these arguments in the trial court. It is

well settled that a party cannot raise new arguments and legal issues for the first

time on appeal, and that failure to raise an issue before the trial court waives that

issue for appellate purposes. Miller v. Cardinal Care Mgmt., 8th Dist. Cuyahoga

No. 107730, 2019-Ohio-2826, ¶ 23, citing Cleveland Town Ctr., L.L.C. v. Fin.

Exchange Co. of Ohio, Inc., 2017-Ohio-384, 83 N.E.2d 383 (8th Dist.) (appellate

courts “will not consider a question not presented, considered, or decided by a lower

court”). Thus, we will not consider these arguments for the first time on appeal.

               Even if we were to consider Lundeen’s arguments, we would find they

have no merit because Lundeen waived any issue with service as a matter of law.

Civ.R. 12(H) states that “[a] defense of * * * insufficiency of process, or insufficiency

of service of process is waived if * * * it is neither made by motion under this rule

nor included in a responsive pleading.” Lundeen never filed an answer to the third

amended complaint, but she filed a motion to dismiss pursuant to Civ.R. 12(B)(6)

on November 7, 2017. Lundeen’s motion made no mention whatsoever regarding

insufficiency of service of process and, therefore, pursuant to Civ.R. 12(H), she

waived that defense.

               Additionally, the record reflects that Lundeen filed numerous other

motions during the two-year pendency of the case and participated in the

proceedings, all without ever raising the issue of insufficiency of service of process.

Consequently, she voluntarily submitted to the court’s jurisdiction and waived the

defense of insufficiency of service of process. See Derykka R.R. v. Eric R., 8th Dist.
Cuyahoga No. 94363, 2010-Ohio-2361, ¶ 24, citing Gliozzo v. Univ. Urologists of

Cleveland, Inc., 114 Ohio St.3d 141, 2007-Ohio-3762, 870 N.E.2d 714, ¶ 13 (holding

that party that filed motions, appeared at hearings, participated in the proceedings,

never raising the defense of insufficiency of service of process, waived the defense

by voluntarily submitting to the court’s jurisdiction).

               Finally, we can presume proper service in this case. Proper service is

presumed where the civil rules on service are followed. Deaton v. Brooker, 8th Dist.

Cuyahoga No. 83416, 2004-Ohio-4630, ¶ 8. Civ.R. 4.6(D) provides that when

service by certified mail is returned unclaimed, then service may be made by

ordinary mail. Pursuant to the rule,

      [t]he mailing shall be evidenced by a certificate of mailing which shall
      be completed and filed by the clerk. Answer day shall be twenty-eight
      days after the date of mailing as evidenced by the certificate of mailing.
      The clerk shall endorse this answer date upon the summons which is
      sent by ordinary mail. Service shall be deemed complete when the fact
      of mailing is entered of record, provided that the ordinary mail
      envelope is not returned by the postal authorities with an endorsement
      showing failure of delivery.

               In this case, the record reflects that service to Lundeen by certified

mail was returned unclaimed, and ordinary mail service was requested. The record

contains the clerk’s certificate of mailing, with an answer date endorsed on the

summons.     The record does not contain any evidence that the ordinary mail

envelope was returned for failure of delivery.

               Moreover, even if we do not presume proper service under Civ.R.

4.6(D), it is apparent that Lundeen was served with the third amended complaint.
Lundeen filed her motion for an extension of time to respond to the third amended

complaint on February 14, 2017, one day before the answer date of February 15,

2017, as endorsed by the clerk on the summons that accompanied the regular mail

service of the third amended complaint. The timing of Lundeen’s motion leaves no

doubt that despite her protestations of insufficient service, she was indeed served

with the third amended complaint.

              The first, second, and third assignments of error are therefore

overruled.

      C. Sufficiency of the Affidavit

              In her fourth assignment of error, Lundeen asserts that the trial court

erred in granting summary judgment because the affidavit of Shae Smith, which was

attached to Wells Fargo’s summary judgment motion in support of its motion, failed

to authenticate the note and mortgage. In her fifth assignment of error, Lundeen

contends there was no evidence upon which the trial court could grant summary

judgment because the Smith affidavit did not authenticate the note and mortgage.

We consider these errors under a plain error standard because, as discussed above,

Lundeen did not timely object to the magistrate’s decision granting summary

judgment to Wells Fargo.

              Under Civ.R. 56(E), “supporting and opposing affidavits shall be

made on personal knowledge, shall set forth such facts as would be admissible in

evidence, and shall show affirmatively that the affiant is competent to testify to the

matters stated in the affidavit.” The rule further provides that “sworn or certified
copies of all papers or parts of papers referred to in an affidavit shall be attached to

or served with the affidavit.” In other words, “attached documents must be verified.”

Fifth Third Mtge. Co. v. Campbell, 2d Dist. Montgomery No. 25458, 2013-Ohio-

3032, ¶ 7.

               In her affidavit, Smith averred that she was a vice president of loan

documentation with Wells Fargo; was familiar with the business records maintained

by Wells Fargo for servicing mortgage loans; had examined those records with

respect to the note and mortgage signed by Lundeen; and pursuant to her personal

knowledge regarding the terms of the note, Lundeen was in default. Smith further

averred that Wells Fargo had been in possession of the note since the filing of the

complaint, and was entitled to enforce the note and foreclose the mortgage by

operation of merger. Smith averred that “copies” of the note with any applicable

endorsements, the mortgage, the notice of default sent by Wells Fargo to Lundeen,

and the merger documents were attached as exhibits to the affidavit.

               Lundeen asserts that Smith’s averment that the attached documents

were “copies,” rather than “true and accurate copies,” was insufficient to properly

authenticate the documents. She further contends that Smith never asserted that

she personally saw or viewed the original note and mortgage. Consequently, she

contends, the documents were not verified and, thus, Wells Fargo failed to

demonstrate it had standing to bring the action. We disagree.

               Evid.R. 901(A) states that the requirement of authentication is

satisfied by evidence sufficient to support a finding that the matter in question is
what its proponent claims. Evid.R. 901(B)(1) provides an example of verification

that conforms with the authentication requirement, specifying that the testimony of

a witness with knowledge that a matter is what it is claimed to be is sufficient.

Smith’s affidavit authenticated the documents attached to her affidavit in

accordance with these rules. She averred that she was a bank officer, had reviewed

the bank’s business records, and had personal knowledge of their contents. She also

averred that the documents attached to her affidavit were copies of the note,

mortgage, notice of default, and merger documents. These averments sufficiently

established that the documents were what Smith claimed them to be.

              They further satisfied Civ.R. 56(E)’s requirement of “sworn” copies.

Contrary to Lundeen’s assertion otherwise, there is no requirement that an affiant

must describe as “true and accurate” the copies of named documents attached as

exhibits. U.S. Bank N.A. v. Aguilar-Crow, 7th Dist. Mahoning No. 15 MA 0113,

2016-Ohio-5391, ¶ 25. By stating in a sworn affidavit that the exhibits attached are

“copies” of the listed documents, an affiant adequately verifies that the documents

are what he or she claims them to be. Id. at ¶ 28. See also Wells Fargo Fin. Ohio 1

v. Robinson, 2d Dist. Champaign No. 2016-CA-23, 2017-Ohio-2888, ¶ 16 (by

averring the exhibits were copies of the documents she examined, the affiant

adequately implied the documents were accurate copies of the originals); Am. Sav.

Bank v. Wrage, 4th Dist. Scioto No. 13CA3566, 2014-Ohio-2168, ¶ 20 (finding the

affiant’s statement that the note was a copy properly authenticated the exhibit).
              Additionally, an affiant need not explain that the attached copy was

compared to the original note in order to ensure the bank actually had possession of

the note. Aguilar-Crow at ¶ 31, citing Wells Fargo Bank, N.A. v. Hammond, 8th

Dist. Cuyahoga No. 100141, 2014-Ohio-5270, ¶ 37 (no requirement that affiant

compare copies of documents attached to affidavit with originals).

              In short, we find no plain error in Smith’s affidavit or in the trial

court’s grant of summary judgment to Wells Fargo. The evidence established that

Lundeen had signed the note and was in default, and that Wells Fargo, as the

corporate successor to the original creditor, was entitled to enforce the note and

foreclose on the mortgage. It thus had standing to bring the action. The fourth and

fifth assignments of error are overruled.

              Judgment affirmed.

      It is ordered that appellee recover from appellant costs herein taxed.

      The court finds there were reasonable grounds for this appeal.

      It is ordered that a special mandate be sent to said court to carry this judgment

into execution.
      A certified copy of this entry shall constitute the mandate pursuant to Rule

27 of the Rules of Appellate Procedure.



KATHLEEN ANN KEOUGH, JUDGE

EILEEN T. GALLAGHER, A.J., and
MARY J. BOYLE, J., CONCUR
