     Case: 11-10061     Document: 00511524445         Page: 1     Date Filed: 06/29/2011




            IN THE UNITED STATES COURT OF APPEALS
                     FOR THE FIFTH CIRCUIT  United States Court of Appeals
                                                     Fifth Circuit

                                                                            FILED
                                                                           June 29, 2011

                                     No. 11-10061                          Lyle W. Cayce
                                   Summary Calendar                             Clerk



VAL-COM ACQUISITIONS TRUST; DAVID STRAND; DANNA DESHAZER,

                                                  Plaintiffs - Appellants
v.

BANK OF AMERICA, NATIONAL ASSOCIATION; BAC HOME LOANS
SERVICING, LP,

                                                  Defendants - Appellees



                   Appeal from the United States District Court
                        for the Northern District of Texas
                              USDC No. 4:10-CV-370


Before KING, SMITH, and HAYNES, Circuit Judges.
PER CURIAM:*
        David Strand and Danna Deshazer (“Borrowers”) purchased property in
2007, financing the purchase through a note and deed of trust payable to
Nexmark Mortgage, LLC. After the mortgage went into default, the Borrowers
transferred title to the home to Val-Com Acquisitions. In 2010, all three sued
Defendants Bank of America, National Association (“BOA”) and BAC Home


        *
         Pursuant to 5TH CIR. R. 47.5, the court has determined that this opinion should not
be published and is not precedent except under the limited circumstances set forth in 5TH CIR.
R. 47.5.4.
   Case: 11-10061    Document: 00511524445       Page: 2   Date Filed: 06/29/2011



                                  No. 11-10061

Loans Servicing, LP (“BAC”) alleging violations of the Truth-In-Lending Act
(“TILA”) and the Real Estate Settlement Procedures Act (“RESPA”) as well as
state-law claims for fraud, negligent misrepresentation, and declaratory
judgment. After the case was removed to a federal district court, they filed an
amended complaint, changing the basis of their declaratory relief from the
relevant Texas statute to the federal statute.
      BOA and BAC moved to dismiss, and the district court granted the motion
under Federal Rule of Civil Procedure 12(b)(6). The only matter briefed before
this court is the propriety of the dismissal of Appellants’ claims for declaratory
relief regarding BOA and BAC’s status relative to the property in question.
Thus, we conclude that any appeal of the other matters dismissed has been
waived. Mullins v. TestAmerica, Inc., 564 F.3d 386, 417 (5th Cir. 2009) (“[W]e
deem this issue waived due to inadequate briefing.”).
      In their amended complaint, Appellants stated: “Defendant BOA claims
to be the holder of the Note, and the person entitled to enforce the Note. . . .
Defendant BOA claims to be the holder of the Deed of Trust, and the person
entitled to enforce the Deed of Trust[, and] Defendant BAC claims to be the
current mortgage servicer of the Note.” They allege no facts whatsoever casting
doubt on BOA’s status as assignee of the relevant documents or BAC’s status as
mortgage servicer. They simply asked for “a determination and declaration of
whether Defendant BOA is the owner and/or holder of the Note and Deed of
Trust” and similar declarations regarding whether BAC is the mortgage servicer
and entitled to enforce and bring a foreclosure action on the relevant documents.
      A federal declaratory judgment action requires an actual case or
controversy, not a mere hypothetical issue. Pub. Serv. Comm’n v. Wycoff Co.,
344 U.S. 237, 242 (1952). “Our decisions have required that the dispute be
‘definite and concrete, touching the legal relations of parties having adverse legal
interests’; and that it be ‘real and substantial’ . . . .” MedImmune, Inc. v.

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   Case: 11-10061       Document: 00511524445         Page: 3     Date Filed: 06/29/2011



                                       No. 11-10061

Genentech, Inc., 549 U.S. 118, 127 (2007) (internal citations omitted). The
district court concluded that Appellants did not allege an actual, current case or
controversy on these points, and we agree. While there could be a dispute
between the parties here, absent an allegation – even on information and belief
– that BOA and BAC are not who they say they are, there is nothing for the
district court to adjudicate.1 Accordingly, the district court properly dismissed
this case.
       AFFIRMED.




       1
        Lozano v. Ocwen Federal Bank, 489 F.3d 636, 639 (5th Cir. 2007), is inapposite. That
case involved a declaratory judgment to set aside a foreclosure deed that the plaintiffs
contended was entered improperly because they had previously paid the note. Id. at 638.
Here, the portions of the complaint on which the appeal is based do no more than ask whether
Appellees are the proper parties to pursue foreclosure, etc.; they fail to allege any facts in
controversy.

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