[Cite as Deutsche Bank Natl. Trust Co. v. Johnson, 2013-Ohio-4661.]


                                       COURT OF APPEALS
                                     LICKING COUNTY, OHIO
                                   FIFTH APPELLATE DISTRICT


DEUTSCHE BANK NATIONAL TRUST                         :    JUDGES:
COMPANY                                              :
                                                     :    Hon. William B. Hoffman, P.J.
       Plaintiff-Appellee                            :    Hon. John W. Wise, J.
                                                     :    Hon. Patricia A. Delaney, J.
-vs-                                                 :
                                                     :    Case No. 12-CA-96
                                                     :
CHAD R. JOHNSON AND DRENNA A.                        :
JOHNSON, ET AL.                                      :
                                                     :
       Defendants-Appellants                         :    OPINION


CHARACTER OF PROCEEDING:                                  Appeal from the Licking County Court of
                                                          Common Pleas, Case No. 2012 CV
                                                          00769



JUDGMENT:                                                 AFFIRMED




DATE OF JUDGMENT ENTRY:                                   October 11, 2013



APPEARANCES:

For Plaintiff-Appellee:                                   For Defendants-Appellants:

DAVID A. WALLACE                                          JAMES R. BILLINGS
KAREN M. CADIEUX                                          ROBIN L. JINDRA
CARPENTER LIPPS & LELAND LLP                              ZACKS LAW GROUP LLC
280 Plaza, Suite 1300                                     33 South James Road, 3rd Floor
280 North High Street                                     Columbus, OH 43213
Columbus, OH 43214
Licking County, Case No.12-CA-96                                                        2

Delaney, J.

        {¶1} Appellants Chad and Drenna Johnson hereby appeal from the November

20, 2012 Entry Granting Summary Judgment and Decree in Foreclosure of the Licking

County Court of Common Pleas. Appellee is Deutsche Bank National Trust Company.

                         FACTS AND PROCEDURAL HISTORY

        {¶2} Appellants borrowed $312,000 from First Franklin a Division of Nat. City

Bank of IN (“First Franklin”) in 2006, promising to repay the loan by signing a note dated

June 26, 2006. Appellants also signed a mortgage encumbering the property known as

11193 Palmer Road Southwest, Pataskala, Ohio 43062 as security for repayment of the

loan.    The mortgage designated Mortgage Electronic Registration Systems, Inc.

(“MERS”) as the mortgagee and the nominee for First Franklin. The note was endorsed

by First Franklin to First Franklin Financial Corporation, which then endorsed the note in

blank. MERS, as nominee for First Franklin, assigned the mortgage to appellee on May

9, 2012.

                           Relevant Terms of the Note and Mortgage

        {¶3} The note states the following pertaining to default:

                     B. Default: If I do not pay the full amount of each monthly

                     payment on the date it is due, I will be in default.

                     C. Notice of default: If I am in default, the Note Holder may

                     send me a written notice telling me that if I do not pay the

                     overdue amount by a certain date, the Note Holder may

                     require me to pay immediately the full amount of Principal

                     which has not been paid and all the interest that I owe on
Licking County, Case No.12-CA-96                                                     3


                   that amount. That date must be at least 30 days after the

                   date on which the notice is mailed to me or delivered by

                   other means.

      {¶4} The note states the following regarding notice:

                   Unless applicable law requires a different method, any notice

                   that must be given to me under this Note will be given by

                   delivering it or by mailing it by first class mail to me at the

                   Property Address above or at a different address if I give the

                   Note Holder a notice of my different address. Any notice

                   that must be given to the Note Holder at the address stated

                   in Section 3(A) above or at a different address if I am given a

                   notice of that different address (sic).

      {¶5} The mortgage defines “applicable law” as follows:

                   H. “Applicable Law” means all controlling applicable federal,

                   state and local statues (sic), regulations, ordinances and

                   administrative rules and orders (that have the effect of law)

                   as well as all applicable final, non-appealable judicial

                   opinions.

      {¶6} The mortgage states the following regarding notice:

                   15. Notices. All notices given by Borrower or Lender in

                   connection with this Security Instrument must be in writing.

                   Any notice to Borrower in connection with this Security

                   Instrument shall be deemed to have been given to Borrower
Licking County, Case No.12-CA-96                                                       4


                  when mailed by first class mail or when actually delivered to

                  Borrower’s notice address if sent by other means. Notice to

                  any one Borrower shall constitute notice to all Borrowers

                  unless Applicable Law expressly requires otherwise.        The

                  notice address shall be the Property Address unless

                  Borrower has designated a substitute notice address by

                  notice to Lender. * * * If any notice required by this Security

                  Instrument is also required under Applicable Law, the

                  Applicable Law requirement will satisfy the corresponding

                  requirement under this Security Instrument.

      {¶7} Regarding acceleration and remedies, the mortgage states:

                  22. Acceleration; Remedies. Lender shall give notice to Borrower

                  prior to acceleration following Borrower’s breach of any covenant or

                  agreement in this Security Instrument * * *.        The notice shall

                  specify: a) the default; b) the action required to cure the default; c)

                  a date, not less than 30 days from the date the notice is given to

                  Borrower, by which the default must be cured; and d) that failure to

                  cure the default on or before the date specified in the notice may

                  result in acceleration and foreclosure. If the default is not cured on

                  or before the date specified in the notice, Lender at its option may

                  require immediate payment in full of all sums secured by this

                  Security Instrument without further demand and may foreclose this

                  Security Instrument by judicial proceeding. Lender shall be entitled
Licking County, Case No.12-CA-96                                                        5


                    to collect all expenses incurred in pursuing the remedies provided

                    in this Section 22, including, but not limited to, costs of title

                    evidence.

      {¶8} The assignment of mortgage was recorded with the Licking County

Recorder on May 24, 2012 as Instrument No. 201205240011551.

      {¶9} Appellants fell behind on their mortgage payments and, according to

appellee, were sent default notices on February 4, 2010. These notices advised of

default, the amount required to cure default, the deadline of March 6, 2010, and the

possible consequence of acceleration of the loan and the filing of a foreclosure action.

Appellants did not cure the default and, according to appellee, currently owe a principal

balance of $305,865.70, plus interest at a rate of 5.75% per annum from July 1, 2010.

      {¶10} Appellee filed the underlying foreclosure action on June 6, 2012 and

appellants answered.     Appellee filed a motion for summary judgment; appellants

responded and appellees replied.

      {¶11} On November 20, 2012, the trial court granted summary judgment in favor

of appellee and journalized an Entry Granting Summary Judgment and Decree in

Foreclosure.

      {¶12} Appellants now appeal from the entry of the trial court granting summary

judgment in favor of appellee.

      {¶13} Appellants raise one assignment of error:

                                 ASSIGNMENT OF ERROR

      {¶14} “I. THE TRIAL COURT COMMITTED REVERSIBLE ERROR BY

GRANTING APPELLEE’S MOTION FOR SUMMARY JUDGMENT (REC 45).”
Licking County, Case No.12-CA-96                                                   6


                                      ANALYSIS

      {¶15} Appellants argue the trial court improperly granted summary judgment for

appellee because an issue of material fact exists as to whether notice of default was

properly given. We disagree.

      {¶16} Summary judgment motions are to be resolved in light of the dictates of

Civ.R. 56, which was reaffirmed by the Ohio Supreme Court in State ex rel. Zimmerman

v. Tompkins, 75 Ohio St.3d 447, 448, 663 N.E.2d 639 (1996):

                   Civ.R. 56(C) provides that before summary judgment may be

                   granted, it must be determined that (1) no genuine issue as

                   to any material fact remains to be litigated, (2) the moving

                   party is entitled to judgment as a matter of law, and (3) it

                   appears from the evidence that reasonable minds can come

                   to but one conclusion, and viewing such evidence most

                   strongly in favor of the nonmoving party, that conclusion is

                   adverse to the party against whom the motion for summary

                   judgment is made. State ex rel. Parsons v. Fleming, 68 Ohio

                   St.3d 509, 511, 628 N.E.2d 1377 (1994), citing Temple v.

                   Wean United, Inc. 50 Ohio St.2d 317, 327, 364 N.E.2d 267

                   (1977).

      {¶17} As an appellate court reviewing summary judgment motions, we must

stand in the shoes of the trial court and review summary judgment motions on the same

standard and evidence as the trial court. Smiddy v. The Wedding Party, Inc., 30 Ohio

St.3d 35, 36, 56 N.E.2d 212 (1987).
Licking County, Case No.12-CA-96                                                           7


       {¶18} The mortgage requires that the notice of acceleration is first provided to

borrowers prior to acceleration, and this notice must contain a deadline to cure the

default and prevent acceleration. Appellants assert they have brought forth evidence

creating a material issue of fact “as to whether they received proper notice of default

and notice of acceleration pursuant to the terms of the Note and Mortgage.” The cited

evidence is 1) the failure of appellee’s witness (Fazio) to state in her affidavit whether

she had any personal knowledge of such notice, and 2) affidavits from each appellant

stating they never received notice of the default or notice of the acceleration of the

mortgage from appellee. We have reviewed the Civ.R.56 evidence cited by appellants.

Fazio’s affidavit states she has personal knowledge of the record-keeping procedures

pertaining to appellants’ loan.    Exhibits D and E appended to Fazio’s affidavit are

notices of default mailed to each appellant indicating the intent to accelerate and

paragraph seven of Fazio’s affidavit states in pertinent part, “* * * Affiant states that the

defendant (sic) was served with notice of their default and notice of the plaintiff’s intent

to accelerate by letter, attached here as Exhibits D and E.”

       {¶19} This notice therefore contains the information required by the note and

mortgage; appellant does not point out any specific deficiency in the notice. Notice is

effective upon mailing pursuant to the terms of both. Appellants’ affidavits state “…the

Bank has not provided me with any document entitled notice of default or notice of

acceleration of a document entitled Note” (¶ 2) and “… the Bank has not provided me

with any notice of default or notice of acceleration of a document entitled Mortgage” (¶

3). This oddly equivocal language leads us to conclude appellants did receive notice of

default that did not have a title, as reflected in appellee’s Exhibits D and E. We find the
Licking County, Case No.12-CA-96                                                               8


contents of the notice required by the note and mortgage to be satisfied by appellee’s

Exhibits D and E.

       {¶20} Appellants further argue their affidavits create an issue of material fact as

to service and cite a number of cases purporting to establish there is a genuine issue of

material fact when there is an allegation that the borrower did not receive notice of the

default. As appellee points out, however, each of those cases is distinguishable due to

flaws in the Civ.R. 56 evidence which do not exist in the instant case. First Financial

Bank v. Doellman, 12th Dist. No. CA2006–02–029, 2007-Ohio-222 (letter providing

notice that was attached to the lender's reply memorandum was not incorporated by

reference into an affidavit or authenticated and not sent by certified mail); Mortgage

Electronic Registration Systems, Inc. v. Akpele, 9th Dist. Summit No. 21822, 2004-

Ohio-3411 (default letter attached to reply brief not authenticated by affidavit, nor was

certified mail receipt submitted despite appellee’s claim notice sent by certified mail);

Contimortgage Corp. v. Childers, 6th Dist. Lucas No. L-00-1332, 2001 WL 477235 (May

4, 2001) (default notice attached to affidavit but affidavit failed to state notice provided to

borrowers); Wells Fargo Bank, NA v. Shalvey, 5th Dist. Delaware No. 06CAE090060,

2007-Ohio-3928 (notice of default not submitted with summary judgment motion and

copy attached to reply brief not authenticated by affidavit).

       {¶21} In the instant case, we find appellee complied with the terms of the

mortgage and the note when it sent notice of default to appellants. The Fazio affidavit

incorporates by reference the notice of default letters, both of which are addressed to

appellants. The note and mortgage provide notice is effective upon mailing. The Fazio

affidavit states, “Affiant states that the defendant was served with notice of their default
Licking County, Case No.12-CA-96                                                            9


and notice of the plaintiff's intent to accelerate by letter, attached here as Exhibits D and

E.” We find this averment to be sufficient to establish that appellee complied with the

notice requirement. Citimortgage, Inc. v. Randy Loncar, 7th Dist. Mahoning No. 11 MA

174, 2013-Ohio-2959, ¶ 28. See also, R.B.S. Citizens v. Adams, 3rd Dist. Seneca No.

13-11-35, 2012-Ohio-1889.

       {¶22} Finally, appellants assert they do not agree with the balance due on the

note but have not raised this issue as error. The blanket objection to the amount,

without more, is not sufficient to overcome a motion for summary judgment. A mere

statement that a debtor does not owe the amount of the debt is “nothing more than a

general denial” of the plaintiff's claim, which is insufficient to satisfy the defendant's

reciprocal summary judgment burden. Citibank v. McGee, 7th Dist. Mahoning No. 11

MA 158, 2012-Ohio-5364, ¶ 29, citing Citibank (South Dakota) N.A. v. Ogunduyile, 2d

Dist. Montgomery No. 21794, 2007–Ohio–5166, ¶ 15. Instead, appellant “was required

to set forth specific facts that would permit a trier of fact to find that the amount of debt

claimed by * * * [the plaintiff] was incorrect.”   Appellants failed to set forth any such

facts in response to appellee’s motion for summary judgment and on appeal.

       {¶23} We find no genuine issue as to any material fact remains to be litigated,

appellee is entitled to judgment as a matter of law, and it appears from the parties’

evidence that reasonable minds can come to but one conclusion. Viewing such

evidence most strongly in favor of appellants, appellee is entitled to summary judgment.

Appellants’ sole assignment of error is therefore overruled.
Licking County, Case No.12-CA-96                                                  10


                                   CONCLUSION

      {¶24} Appellants’ sole assignment of error is overruled and the judgment of the

Licking County Court of Common Pleas is affirmed.

By: Delaney, J. and

Hoffman, P.J.

Wise, J., concur.



                                      HON. PATRICIA A. DELANEY




                                      HON. WILLIAM B. HOFFMAN



                                      HON. JOHN W. WISE
