                                FIRST DIVISION
                                BARNES, P. J.,
                            MERCIER and BROWN, JJ.

                     NOTICE: Motions for reconsideration must be
                     physically received in our clerk’s office within ten
                     days of the date of decision to be deemed timely filed.
                                 http://www.gaappeals.us/rules


                                                                       June 26, 2019




In the Court of Appeals of Georgia
 A19A0040. OCONEE FEDERAL SAVINGS AND LOAN
     ASSOCIATION v. BROWN et al.

         BARNES, Presiding Judge.

         In this case, Kenneth A. Brown and April M. Brown sued Oconee Federal

Financial Corporation and Oconee Federal Savings and Loan Association

(collectively, “Oconee Federal”), Brian C. Ranck, and Sanders, Ranck & Skilling P.

C. (collectively “the Ranck defendants”) alleging numerous causes of actions arising

from the couple’s failed attempt to modify certain loans and Oconee Federal’s

attempted foreclosure sale.1 In a related appeal, Oconee Federal Savings and Loan

Assn. v. Brown, 349 Ga. App. 54 (825 SE2d 456) (2019) (“Oconee I”), this Court

reversed the grant of an interlocutory injunction enjoining the foreclosure sale of the


    1
        The Ranck defendants were dismissed with prejudice from the action.
subject property owned by the Browns, upon finding that the Browns had not

tendered to Oconee Federal the amount due under a home equity line of credit

(“HELOC”) agreement. Id. at 65.

      Oconee Federal also filed a motion for summary judgment on its counterclaim

for payment of the monies due under the loans and on the Browns’ substantive

claims, the trial court’s denial of which provides the basis for the present appeal. The

trial court issued a certificate for immediate review, and Oconee Federal filed an

application for an interlocutory appeal, which this Court granted. On appeal, Oconee

Federal contends that the trial court’s order erred in denying its motion for summary

judgment on its counterclaim for payment of the balances on the underlying loans and

in denying its motion for summary judgment as to the Browns’ claims.

      Summary judgment is proper if the pleadings and evidence “show that there is

no genuine issue as to any material fact and that the moving party is entitled to a

judgment as a matter of law[.]” OCGA § 9-11-56 (c). Following a trial court’s grant

or denial of summary judgment, we conduct a de novo review, construing all

reasonable inferences in the light most favorable to the nonmoving party. Cochran

v. Kendrick, 297 Ga. 655, 658 (2) (778 SE2d 1) (2015). “We do not resolve disputed

facts, reconcile the issues, weigh the evidence, or determine its credibility, as those

                                           2
  matters must be submitted to a jury for resolution.” Tookes v. Murray, 297 Ga. App.

  765, 766 (678 SE2d 209) (2009). Following our review and for the reasons that

  below, we affirm the trial court’s denial of summary judgment on the Browns’ good

  faith and fair dealing, punitive damages, and attorney fees claims, and reverse the trial

  court’s denial of summary judgment as to the remaining claims.2

          The Browns obtained a home loan for $136,000 from Oconee Federal in 2003

  (the “2003 Loan”) and a $40,000 HELOC from Oconee Federal in 2007.3 Both loans

  were secured by their residential property. In 2015, the Browns submitted loan

  modification applications for the 2003 Loan and the HELOC.4 The Browns alleged

  that during this period, Oconee Federal promised them that their loans would be

  modified and that they were instructed not to make loan payments while their loans



      2
       We also adopt the facts and procedural history as set forth in Oconee I, 349 Ga.
App. at 54-57. Moreover, “[i]t is well established that any issue that was raised and
resolved in an earlier appeal is the law of the case and is binding on this Court[.]”
(Punctuation omitted.) Ross v. State, 310 Ga. App. 326, 327 (713 SE2d 438) (2011).
      3
        The expiration of the draw period for the HELOC was May 15, 2017, at which
point the unpaid balance was due in a balloon payment.
      4
        Although the exact period in time is unclear from the record, the 2003 Loan was
owned at some point by Freddie Mac, but was transferred back to Oconee Federal in
September 2015. During the period that Freddie Mac owned the loan, Oconee Federal was
the servicer on the loan.

                                             3
were being considered for the modifications. The Browns made their last loan

payments on the mortgage loan and HELOC in April 2015. Oconee Federal

subsequently denied the loan modification applications in September 2015.

      On December 17, 2015, the Browns sent a qualified written request (“QWR”)

letter to Oconee Federal’s counsel, the Ranck firm, under the federal Real Estate

Settlement Procedures Act, 12 USC § 2601 et seq. (“RESPA”), seeking certain

information and documents related to the HELOC. On January 15, 2016, Oconee

Federal, through counsel, responded to the request and advised the Browns that its

internal investigation had not identified any inaccuracies in the credits and debits

attributed to the Browns’ loans. The letter noted a “possible discrepancy” in how two

payments were applied in October 2011 but explained that Oconee Federal would

seek clarification from the Browns about how they intended the payment to be

applied.

      On January 29, 2016, after Oconee Federal initiated foreclosure proceedings

under the HELOC and security deed, the Browns filed the first of three amended

complaints, “seeking injunctive relief to enjoin the foreclosure and raising multiple

claims of wrongful foreclosure, breach of contract, and fraud.” Oconee I, 349 Ga.

App. at 57-58. Oconee Federal then cancelled the scheduled foreclosure, but resumed

                                         4
  the foreclosure proceedings on March 2, 2018 because the Browns had failed to

  “repay their debt under the HELOC agreement in full by the maturity date of May 15,

  2017.” Id. at 58-59. The trial court, however, granted the Browns injunctive relief to

  stop the foreclosure sale upon the Browns’ tender of $2,700 into the trial court’s

  registry.5

          In their subsequent third amended complaint, the Browns alleged causes of

  action for: (1) breach of contract; (2) anticipatory repudiation; (3) breach of the duty

  of good faith and fair dealing; (4) violations of the Georgia Fair Lending Act

  (“GFLA”), OCGA § 7-6A-1 et seq.; (5) fraud; (6) negligence; (7) violations of

  RESPA; (8) injunctive and declaratory relief; (9) punitive damages and attorney fees.

  Oconee Federal filed a motion for summary judgment, which the trial court denied,

  stating only that “[t]his Defendant having filed a [m]otion for [s]ummary [j]udgment

  and after having considered all matters of record and oral argument by counsel, the

  Court hereby determines that there are genuine issues of material facts, and that the

  [m]otion should be DENIED.” It is from that order that Oconee Federal appeals.




      5
        As noted infra, the trial court’s grant of injunctive relief to the Browns was
reversed in Oconee I.

                                             5
          1. Oconee Federal first contends that the trial court erred in denying summary

  judgment as to its counterclaims for payment of the 2003 Loan and 2007 HELOC.6

  It contends that prima facie cases were proven as to both loans in that Oconee Federal

  produced the notes, established that the Browns executed the notes, and that the

  couple subsequently defaulted on the notes. Thus, Oconee Federal argues, as

  thereafter the Browns did not meet their burden of establishing a defense in response,

  summary judgment should have been granted to Oconee Federal. The Browns

  maintain that Oconee Federal is estopped from collecting on the notes because the

  bank made it impossible to pay though its unequitable acts, including blocking online

  payments, refusing payments, and prematurely reporting the couple as in default. The

  Browns characterize Oconee Federal’s alleged actions and inactions as creating an

  equitable extension of the time required for payment of the loans. The Browns further

  assert that the subject loans are neither due nor enforceable and that questions remain

  regarding the amounts due.

          It is undisputed that the Browns obtained a home loan from Oconee Federal in

  2003 and a HELOC from Oconee Federal in 2007, and that both loans were secured

      6
        Oconee Federal’s answer put forth a counterclaim for “complaint on notes”
alleging that the Browns’ indebtedness on the 2003 loan was $38,683.82 as of February
25, 2016 and, as of the same date, $42,917.29 on the 2007 HELOC.

                                             6
  by their residential property.7 The 2003 Loan provided that failure to make monthly

  payments would constitute a default and, that upon written notice and failure to cure

  within 30 days, Oconee Federal had the right to accelerate the loan. The HELOC also

  provided that failure to pay would constitute default and that the balance of the loan

  was due at the expiration of the 120 month draw period on May 10, 2017. It is further

  undisputed that the Browns had not made payments on either loan since May 2015.

          “In a suit on a note, when signatures are admitted or established, production of

  the instrument entitles a holder to recover on it unless the defendant establishes a

  defense.” (Citation omitted.) Heath v. Boston Capital Corp. Tax Credit Fund VIII,

  253 Ga. App. 537, 538 (1) (559 SE2d 743) (2002). See also Nash v. Township

  Investments, LLC, 320 Ga. App. 494, 495 (740 SE2d 236) (2013); Braswell v. Bank

  of Early, 229 Ga. App. 445, 447 (494 SE2d 277) (1997). Upon review of the record,

  and construing the evidence in favor of the Browns, we find that Oconee Federal

  made the required prima facie showing to recover under the notes.

          The Browns raise various defenses, including that Oconee Federal rejected

  tender, that the amount owed under the loans is disputed, and equitable estoppel, in


      7
      The loans were initially provided by Stephens Federal Bank, which subsequently
merged with Oconee Federal.

                                              7
that they had relied on Oconee Federal’s promise to modify their HELOC loan.

However, as to the HELOC, in Oconee I we found that “none of the Browns’ claims

excuse them from the requirement that they tender payment to Oconee Federal.”

Oconee I, 349 Ga. App. at 65. Specifically we found that “the Browns’ claim that the

amount owed is in dispute does not excuse them from the requirement that they tender

payment to Oconee Federal,” that the “tender must be continuous, and the Browns

have not shown that they have tendered any payment to Oconee Federal after the

HELOC debt matured or that Oconee Federal would have refused any such tender,”

that “the Browns [are not] excused from the tender requirement based on their claims

that Oconee Federal prevented them from paying their debt by denying their

application to modify the HELOC and in reporting them as delinquent to credit

agencies,” and that “[s]imilarly unavailing is the Browns’ related claim that Oconee

Federal is estopped from collecting on the HELOC debt due to its purported promises

regarding the application to modify the debt.” Id. at 63-64.

      Pursuant to OCGA § 9-11-60 (h), “[a]ny ruling by the Supreme Court or the

Court of Appeals in a case shall be binding in all subsequent proceedings in that case

in the lower court and in the Supreme Court or the Court of Appeals as the case may

be.” See Fulton–DeKalb Hosp. Auth. v. Walker, 216 Ga. App. 786, 788 (1) (456 SE2d

                                          8
97) (1995); Hicks v. McGee, 289 Ga. 573, 577-578 (2) (713 SE2d 841) (2011) (“[A]

ruling by the Supreme Court or the Court of Appeals in a case shall be binding in all

subsequent proceedings in that case in the lower court and in the Supreme Court or

the Court of Appeals, as the case may be. Georgia’s appellate courts are required to

adhere to the law of the case rule in all matters which they consider. . . . [A]ppellate

rulings remain binding as between parties to a case, so long as the evidentiary posture

of the case remains unchanged[.]”) (punctuation omitted; emphasis in original).

      In light of this Court’s ruling in Oconee I as to the Browns’ defenses, and given

that Oconee Federal established a prima facie case as to the outstanding debt under

the HELOC and that the Browns failed to establish a defense, the trial court erred in

denying Oconee Federal’s motion for summary judgment on its counterclaim for

payment of the HELOC debt. The Browns put forth identical defenses regarding

payment of the 2003 Loan, and thus as Oconee Federal also established a prima facie

case as to that debt, we find this Court’s ruling in Oconee I controlling as to payment

of the 2003 Loan as well. Accordingly, the trial court also erred in denying summary

judgment to Oconee Federal on its counterclaim for payment of the 2003 Loan.

      2. Oconee Federal also contends that the trial court erred in denying its motion

for summary judgment on the Browns’ claims. The Browns’ complaint, as thrice

                                           9
  amended, alleged 13 counts including: injunctive relief, declaratory judgment, breach

  of contract, anticipatory repudiation, breach of good faith and fair dealing, violation

  of the GFLA, fraud, conspiracy, negligence, punitive damages, violation of RESPA,

  and attorneys fees.8

          a. Declaratory Judgment 9

          The Browns sought a declaratory judgment pursuant to OCGA § 9-4-2,

  alleging a justiciable controversy between the parties as to the ownership of the two

  loans; the validity of the security deeds and promissory notes on which Oconee

  Federal seeks to foreclose; the balance due on the loans; and Oconee Federal’s rights

  and duties in servicing the loans, foreclosing the loans and in attempting to collect the

  loans. On appeal, Oconee Federal asserts that summary judgment was proper as to

  this claim because there is no justiciable issue between the parties. According to

  Oconee Federal, the loans have matured, and the Browns do not allege any future act

      8
        The complaint also alleged violation of the Fair Debt Collection Practices Act
(“FDCPA”) against the Ranck defendants who, as previously noted, were dismissed with
prejudice from the action.
      9
        The Browns also sought injunctive relief, the grant of which was reversed in
Oconee I. Thus, that holding established the law of the case as to that claim in the present
appeal. See Security Life Ins. Co. v. Clark, 273 Ga. 44, 46 (1) (535 SE2d 234) (2000);
OCGA § 9-11-60 (h) (setting forth the law of the case rule for rulings by the Supreme
Court and the Court of Appeals).

                                             10
or conduct upon which they face uncertainity; thus, the couple in essence is seeking

an advisory ruling as to their purported defense. In contrast, the Browns contend that

there remains a controversy “regarding the status of their loans and security deeds.”

      To obtain declaratory relief,

      [t]he plaintiff must show facts or circumstances whereby it is in a
      position of uncertainty or insecurity because of a dispute and of having
      to take some future action which is properly incident to its alleged right,
      and which future action without direction from the court might
      reasonably jeopardize its interest. A declaratory judgment may not be
      granted in the absence of a justiciable controversy. The object of the
      declaratory judgment is to permit determination of a controversy before
      obligations are repudiated or rights are violated. As many times pointed
      out by this court, its purpose is to permit one who is walking in the dark
      to ascertain where he is and where he is going, to turn on the light before
      he steps rather than after he has stepped in a hole.


(Citations and punctuation omitted; emphasis in original.) Farm & Home Life Ins. Co.

v. Skelton, 235 Ga. App. 507, 508 (510 SE2d 76) (1998).

      An actual controversy ripe for adjudication does not necessarily reflect a

justiciable controversy for purposes of a declaratory judgment. Id. The Browns’

uncertainty regarding the status of their loans and security deeds may present issues

ripe for adjudication, but the Browns do not show how they face any uncertainty


                                          11
about future rights or obligations such that a justiciable issue is presented. The

obligations under the loans and security deeds are set forth on the face of each

document, and for purposes of a declaratory judgment, the Browns have not

demonstrated “the need of any direction from the trial court with respect to future

conduct on [their] part which might increase [their] liability or otherwise affect [their]

interests.” Farm & Home Life Ins. Co., 235 Ga. App. at 508. See Richardson v.

Phillips, 302 Ga. App. 305, 310 (1) (690 SE2d 918) (2010) (a declaratory judgment

not permitted to “simply . . . have the trial court decide the propriety of past conduct

committed by [the defendant]”).

      Thus, the trial court erred in denying summary judgment to Oconee Federal on

this claim.

      b. Breach of Contract

      The Browns alleged breach of contract for Oconee Federal’s failure to “provide

[them] with certain notices regarding the acceleration of the amounts due under the

instruments,” or notice prior to the acceleration of the loans and initiation of the

foreclosure. They asserted that Oconee Federal was contractually obligated to provide

timely written notice before it accelerated the amount due on the loans or initiated

foreclosure; permit the Browns to reinstate the loans by paying the balance due; and

                                           12
allow the Browns to reinstate and accept the total balance owed on one or more of the

loans.

         “The elements for a breach of contract claim in Georgia are the (1) breach and

the (2) resultant damages (3) to the party who has the right to complain about the

contract being broken.” (Footnote omitted.) Duke Galish, LLC v. Manton, 308 Ga.

App. 316, 320 (2) (707 SE2d 555) (2011). Oconee Federal contends that the trial

court erred in denying its motion for summary judgment on the Browns’ claim

because the couple cannot show any material breach or any damages. According to

Oconee Federal, this claim fails because it was based on Oconee Federal’s alleged

failure to provide certain notices about the acceleration of the debts and impending

foreclosure, but there was no foreclosure and thus no damages. We agree.

         “Damages recoverable for a breach of contract are such as arise naturally and

according to the usual course of things from such breach and such as the parties

contemplated, when the contract was made, as the probable result of its breach.”

OCGA § 13-6-2. Even if we assume, without deciding, that the failure to give the

Browns notice of the acceleration of the notes and impending foreclosure evinced a

breach of certain contractual obligations, to prevail on their claim for breach of



                                           13
contract, the Browns still had to show damages resulting from Oconee Federal’s

failure to give notice.

         In their complaint, the Browns only alleged that they suffered “damages in an

amount to be proven at trial,” and in their appellate response, only assert that there

was a breach of the contractual obligation to provide notice. They have come forward

with no evidence showing how Oconee Federal’s failure to provide notice of the

acceleration and impending foreclose caused them harm. Instead, the evidence

demonstrates that the foreclosure sale was cancelled, and Oconee Federal further

stipulated that it had no immediate plans to reinitiate foreclosure of the property.

Further, upon the Browns’ motion to tender funds into the court registry, the trial

court permitted the couple to “deposit funds previously tendered by [the Browns] into

the registry of [the] Court and to deposit future payments into the registry as they are

tendered by [the Browns.]”10


    10
     The Browns’ motion for tender provided:
    Whereas, a current dispute between the parties exists in relation to [the
    Browns’] loans, and in an effort to demonstrate [the Browns’] intentions to
    comply with their financial obligations, [the Browns], in good faith, request
    that this Court enter an order authorizing [the Browns] to tender into the
    registry of the Court the total amount [the Browns] owe from May 2015 until
    May 2016, and authorizing all future monthly payments due to Defendant

                                           14
      For the Browns to succeed on this breach of contract claim, they



      must show that the premature or improper exercise of some power under
      the deed (acceleration or sale) resulted in damages that would not have
      occurred but for the breach. In cases such as this, where there was no
      actual exercise of the power of sale, the only possible harm must be
      traced back to the allegedly unauthorized acceleration of the note.


(Footnotes omitted.) Bates v. JP Morgan Chase Bank, 768 F3d 1126, 1132-1133

(11th Cir. 2014).

      The Browns have not made this showing. Thus, the trial court erred in denying

Oconee Federal’s motion for summary judgment as to this claim.

      c. Anticipatory Repudiation

      Oconee Federal also contends that summary judgment should have been

granted on the Browns’ anticipatory repudiation claim. It argues that the claim fails

because Oconee Federal did not repudiate the “entire contract” with the Browns and




   Oconee Federal from [the Browns] pursuant to [the subject] loans . . . be
   deposited in the registry of the Court until the Court enters a Final Judgment
   in this matter.

                                         15
that the Browns must show “an unqualified repudiation of the entire contract prior to

the time for performance” to establish such a claim.

      [T]he anticipatory repudiation of a contract occurs when one party
      thereto repudiates his contractual obligation to perform prior to the time
      such performance is required under the terms of the contract. While
      technically such a repudiation is not a breach of contract, the contractual
      time for performance not having arrived, the law recognizes that under
      certain circumstances the innocent party to the contract may treat such
      an anticipatory repudiation as a breach thereof. Thus when one party to
      a bilateral contract of mutual dependent promises absolutely refuses to
      perform and repudiates the contract prior to the time of his performance,
      the innocent party is at liberty to consider himself absolved from any
      future performance on his part[.]


(Punctuation and citations omitted.) CCE Fed. Credit Union v. Chesser, 150 Ga.

App. 328, 330 (1) (258 SE2d 2) (1979).

      The Browns alleged that Oconee Federal anticipatorily repudiated its

contractual obligations under the 2003 Loan and security deed, and the 2007 security

deed and HELOC, by rejecting the couple’s attempts to tender payment, by

instructing them not to make payments on the loan while the loan modification was

being considered, and by demanding that the Browns sign away their legal and




                                          16
statutory rights. The couple asserts that in rejecting their tender of payment, Oconee

Federal repudiated its duties to accept payments and apply them thereon.

      “The breach which will form the basis for this type of action is an unqualified

repudiation of the entire contract prior to the time for performance. The repudiation

must go to the whole contract.” (Citation and punctuation omitted.) Esquire Carpet

Mills v. Kennesaw Transp., 186 Ga. App. 367, 370 (3) (367 SE2d 569) (1988). Here,

there could be no anticipatory repudiation of the whole contract because Oconee

Federal had performed its primary purposes under the contracts by providing the

Browns with loans pursuant to the 2003 note and the 2007 HELOC. Coffee Butler

Serv. v. Sacha, 258 Ga. 192, 193 (1) (366 SE2d 672) (1988) (establishing that the

doctrine would apply only if there is an unqualified repudiation of the entire

obligation prior to the time of performance).

      Thus, the trial court erred in denying Oconee Federal summary judgment on

this claim as well.

      d. Good Faith and Fair Dealing

      Oconee Federal contends that the trial court erred in denying its motion for

summary judgment on the Browns’ claims for breach of the implied covenant of good

faith and fair dealing. We do not agree.

                                           17
      Every contract implies a covenant of good faith and fair dealing in the

contract’s performance and enforcement. WirelessMD v. Healthcare.com Corp., 271

Ga. App. 461, 468 (2) (610 SE2d 352) (2005). The implied covenant modifies and

becomes a part of the provisions of the contract, but the covenant cannot be breached

apart from the contract provisions it modifies and therefore cannot provide an

independent basis for liability. Stuart Enters. Intl. v. Peykan, Inc., 252 Ga. App. 231,

233-234 (2) (555 SE2d 881) (2001). However, that implied duty “requires both

parties to a contract to perform their promises and provide such cooperation as is

required for the other party’s performance.” (Citation omitted.) Ihesiaba v. Pelletier,

214 Ga. App. 721, 724 (2) (448 SE2d 920) (1994).

      Thus, whenever the cooperation of the promisee is necessary for the
      performance of the promise, there is a condition implied that the
      cooperation will be given. However, it is equally settled that there can
      be no breach of an implied covenant of good faith where a party to a
      contract has done what the provisions of the contract expressly give him
      the right to do.


(Citations and punctuation omitted.) Whisenant v. Fulton Fed. Sav. &c., 200 Ga. App.

31, 33 (1) (406 SE2d 793) (1991).




                                          18
      In their lawsuit, the Browns alleged that Oconee Federal violated this implied

contractual duty by coding their loans to prevent electronic payment, failing to notify

them of the changes to the electronic payment system, falsely communicating that

they were in default of their loans, refusing tender of payment, and misapplying

payments. The 2003 Loan required the Browns to make monthly payments, and per

the attendant security deed, the payments would be “accepted and applied by [the]

Lender” to this debt. Likewise, the Browns were also required to make payments

under the 2007 HELOC and security deed. Oconee Federal had a contractual duty,

either express or implied, to act in good faith in performing under the contract in such

a way that would permit the Browns to fulfill their contractual obligation to make the

payments. “An implied term in an agreement exists where it is reasonable and

necessary to effect the full purpose of the contract and is so clearly within the

contemplation of the parties that they deemed it unnecessary to state.”(Citation

omitted.) Fisher v. Toombs County Nursing Home, 223 Ga. App. 842, 845 (2) (479

SE2d 180) (1996). Because there remain genuine issues of material fact regarding

whether Oconee Federal’s handling of the Browns’ payments on the loans showed a

lack of good faith and fair dealing, the trial court did not err in denying summary

judgment as to this claim.

                                          19
      e. Georgia Fair Lending Act

      Oconee Federal contends that the trial court erred in denying it summary

judgment on the Browns’ claim for alleged violations of the GFLA. We agree.

      The Browns alleged that Oconee Federal violated the statute during their

“planned refinance” by encouraging them to default the existing 2003 Loan and 2007

HELOC. However the evidence does not establish that there was a planned refinance

of the loans because Oconee Federal denied the Browns’ request for modification of

the loans.

      OCGA § 7-6A-3 provides that “[a]ll home loans shall be subject to the

following limitations and prohibited practices” including that “[n]o creditor or

servicer shall recommend or encourage default on an existing loan or other debt prior

to and in connection with the closing or planned closing of a home loan that

refinances all or any portion of such existing loan or debt[.]” But, the statute further

provides that “[a]n action under this chapter may be brought within five years after

the date of the first scheduled payment by the borrower under the home loan.” OCGA

§ 7-6A-7(h). The statute also provides for damages “equal to the recovery of two

times the interest paid under the loan” as well as “forfeiture of interest under the loan



                                           20
for any violation of paragraph (1) or (2) of Code Section 7-6A-3.” OCGA § 7-6A-7

(a) (2).



       Even if the Browns’ application for a modification could be characterized as

a “planned closing” under the GFLA, because there was no ensuing loan, there was

no scheduled payment under the loan triggering the time period for bringing an

action, nor was there any interest paid on the loan under which statutory damages

could be assessed.

       Thus, this claim fails and the trial court erred in denying Oconee Federal’s

motion for summary judgment as to this count.

       f. Conspiracy to Violate the Georgia Fair Lending Act

       Oconee Federal contends that the trial court erred in denying its motion for

summary judgment on the Browns’ claim of conspiracy to violate the GFLA.

             To recover damages based on a claim of civil conspiracy, a
       plaintiff must show that two or more persons combined either to do
       some act which is a tort, or else to do some lawful act by methods which
       constitute a tort. The conspiracy . . . itself furnishes no cause of action.
       The gist of the action is not the conspiracy alleged, but the tort
       committed against the plaintiff and the resulting damage. The essential
       element of the alleged conspiracy is proof of a common design

                                           21
           establishing that two or more persons in any manner, either positively
           or tacitly, arrive at a mutual understanding as to how they will
           accomplish an unlawful design.


  (Citations and punctuation omitted.) Tyler v. Thompson, 308 Ga. App. 221, 224-225

  (3) (707 SE2d 137) (2011).

           The Browns acknowledge that their claim of conspiracy is dependent upon the

  viability of the GFLA claim. Thus, as that claim failed, the conspiracy claim also

  fails. See Dyer v. Honea, 252 Ga. App. 735, 738 (2) (557 SE2d 20) (2001) (“The

  cause of action for civil conspiracy lies not in the conspiracy itself, but in the

  underlying tort committed against the plaintiff and the resulting damage.”) (footnote

  omitted).

           g. Fraud

           Oconee Federal contends that the trial court erred in denying summary

  judgment on the Browns’ fraud claim.11 It asserts that the Browns do not specifically

  identify any misrepresentation that they have justifiably relied on to their detriment.



      11
          A fraud claim has five elements: “a false representation by a defendant; scienter;
intention to induce the plaintiff to act or refrain from acting; justifiable reliance by
plaintiff; and damage to the plaintiff.”(Citation omitted.) Wertz v. Allen, 313 Ga. App. 202,
207-208 (2) (721 SE2d 122) (2011).

                                             22
And further, that to the extent they would so maintain, an alleged promise to modify

the loans cannot be the basis of a fraud claim. The Browns maintain that even though

Oconee Federal knew that it planned to foreclose on the couple, it continued to

represent to the Browns that they were being considered for modification. Even

assuming that Oconee Federal promised the Browns that their loan modifications

would be approved, that promise cannot serve as the basis of a claim for fraud

because

      [a]lthough fraud can be predicated on a misrepresentation as to a future
      event where the defendant knows that the future event will not take
      place, fraud cannot be predicated on a promise which is unenforceable
      at the time it is made. The instant alleged oral contract [to modify the
      loans] was unenforceable at the time it was purportedly made because
      it was not in writing as required by OCGA § 13-5-30 (7). Obviously,
      one cannot sue in fraud based upon the alleged breach of an oral
      contract which would itself be unenforceable under the Statute of Fraud


(Citations and punctuation omitted.) Studdard v. George D. Warthen Bank, 207 Ga.

App. 80, 81 (2) (427 SE2d 58) (1993) (affirming grant of summary judgment on fraud

claim based on promise that was “unenforceable at the time it [was] made” where

alleged promise to extend a line of credit was insufficient under the statute of frauds);

Desouza v. Fed. Home Mortg. Corp., 572 F.Appx. 719, 723 (11th Cir. 2014) (citing

                                           23
Studdard and affirming district court’s dismissal of fraud claim based on alleged

promise to modify loan as failing to satisfy Georgia’s statute of frauds). See OCGA

§ 13-5-30 (4), (7) (“To make the following obligations binding on the promisor, the

promise must be in writing and signed by the party to be charged therewith or some

person lawfully authorized by him or her: [a]ny contract for sale of lands, or any

interest in, or concerning lands . . . [a]ny commitment to lend money.”)

       Moreover,

      [m]ere opinions, predictions, and conjectures relating to future events
      cannot form the basis of a fraud claim. It is axiomatic that a false
      representation made by a defendant, to be actionable, must relate to
      an existing fact or a past event. Fraud cannot consist of mere broken
      promises, unfilled predictions or erroneous conjecture as to future
      events. Representations concerning expectations and hopes are not
      actionable.

Greenwald v. Odom, 314 Ga. App. 46, 52-53 (1) (723 SE2d 305) (2012).

      Accordingly, the trial court erred in denying Oconee Federal’s motion for

summary judgment on the Browns’ fraud claim.

      h. Negligence

      Oconee Federal argues that the Browns’ negligence claim fails because this

lawsuit arises out of contracts between the Browns and Oconee Federal, which cannot



                                         24
  serve as the basis for a negligence claim.12 In their response, the Browns argue that

  Oconee Federal negligently failed to comply with Freddie Mac’s servicing

  requirements.13 However, loan servicing guidelines between Freddie Mac and Oconee

  Federal did not impose a duty on Oconee Federal for the benefit of the Browns, and

  this Court has recognized that Freddie Mac’s servicer guidelines for loan

  modifications do not create private causes of action for individual borrowers. See

  U.S. Bank, N.A. v. Phillips, 318 Ga. App. 819, 824 (1) (734 SE2d 799) (2012)

  (recognizing that “homeowners are incidental beneficiaries of the loan servicers’

  participation in HAMP [the federal Home Affordable Modification Program], and .



      12
             The essential elements of a negligence cause of action are: (1)
            a duty, or obligation, recognized by law, requiring the actor to
            conform to a certain standard of conduct, for the protection of
            others against unreasonable risks; (2) a failure to conform to the
            standard required; (3) a reasonably close causal connection
            between the conduct and the resulting injury; and (4) actual loss
            or damage resulting to the interests of the other.


Brookview Holdings v. Suarez, 285 Ga. App. 90, 91 (645 SE2d 559) (2007).

      13
       As earlier noted, at some point Freddie Mac owned the Browns’2003 Loan, and
Oconee Federal was Freddie Mac’s loan servicer.

                                           25
  . . Congress did not intend to endow homeowners with third-party beneficiary rights

  to enforce HAMP”); Fielbon Dev. Co. v. Colony Bank, 290 Ga. App. 847, 855 (3)

  (660 SE2d 801) (2008) (“[A] defendant’s mere negligent performance of a contractual

  duty does not create a tort cause of action; rather, a defendant’s breach of a contract

  may give rise to a tort cause of action only if the defendant has also breached an

  independent duty created by statute or common law”).

           Thus, the trial court erred in denying the motion for summary judgment on the

  Browns’ negligence claim.

           i. RESPA Violation

           The Browns alleged that Oconee Federal violated RESPA by failing to

  acknowledge receipt of their QWR within five days or respond within 30 days as

  statutorily required. The Browns also alleged that the bank failed to follow certain

  statutorily-mandated loss-mitigation procedures.14

      14
         “A loss-mitigation application is a request by a borrower for any of a number of
alternatives to foreclosure, known as loss mitigation options, including, among others,
modification of the mortgage.” (Citation and punctuation omitted.) Urdaneta v. Wells
Fargo Bank N.A., 734 F. Appx. 701, 704, n.1 (11th Cir. 2018). In establishing how a
mortgage-loan servicer handles a borrower’s loss-mitigation, “Regulation X requires a
servicer to evaluate a complete loss-mitigation application within 30 days of receipt of the
application. The loan servicer’s obligations, however, are triggered only when the servicer
receives from a borrower a complete loss mitigation application more than 37 days before
a foreclosure sale.” (Citations and punctuation omitted.) Id. at 705.

                                             26
      Oconee Federal contends that the Browns cannot recover on the claim for

violation of RESPA. It asserts that the Browns have not shown a violation of RESPA

arising from the request from information under that statute , that none of the

statutory early intervention or loss mitigation requirements apply because Oconee

Federal qualifies as a “small servicer” under the statute, and that even if Oconee

Federal violated RESPA, the Browns have not suffered damages therefrom.

      RESPA, 12 USC § 2601 et seq, is a consumer protection statute that requires

loan servicers of federally related mortgage loans to provide timely written responses

to borrowers under certain circumstances. See Regulation X, 12 CFR § 1024.1

through § 1024.4 (Regulation X was issued to implement RESPA); Freeman v.

Quicken Loans, 566 U.S. 624 (132 SCt 2034, 2038, 182 LE2d 955 (2012). When a

borrower submits a QWR—a written correspondence that includes the borrower’s

name and account and sufficient detail about the information sought—the servicer

must provide “a written response acknowledging receipt of the correspondence.” 12

USC § 2605(e) (creating a “[d]uty of loan servicer to respond to borrower inquiries”).

See also 12 CFR § 1024.35(b)(7) (requiring that a servicer must investigate and

respond to a notice from a borrower that the servicer “[f]ail[ed] to provide accurate

information to a borrower regarding loss mitigation options and foreclosure”). The

                                         27
  servicer generally has 30 business days to respond to a notice of error. 12 USC §

  1024.35 (e) (3) (i) (C). A servicer must respond by fixing the error, crediting the

  borrower’s account, and notifying the borrower, or concluding that there is no error

  based on an investigation and then explaining that conclusion in writing to the

  borrower. See 12 USC § 2605(e) (2); 12 CFR § 1024.35(e) (1) (i). If the servicer fails

  to respond adequately to the borrower’s notice of error, then the borrower has a

  private right of action to sue the servicer under RESPA. 12 USC § 2605 (e) (2), (f).

           Pretermitting whether Oconee Federal is subject to Regulation X and other

  RESPA provisions,15 we note that the only relief available under RESPA is an award

  of actual damages and additional damages in certain circumstances, so an assertion

  that a servicer breached a duty under RESPA without causing actual harm does not

  state a claim under the statute. Renfroe v. Nationstar Mortg., LLC, 822 F3d 1241,

  1246 (11th Cir. 2016). See 12 USC § 2605 (f) (1) (explaining that RESPA makes


      15
         Oconee Federal asserts that its posture under the statute as a “small servicer”
excepts it from certain notice and other provisions under RESPA and Regulation X. See
12 CFR §1026.41(e)(4))(i) (“A creditor, assignee, or servicer is exempt from the
requirements of this section for mortgage loans serviced by a small servicer.”) “A small
servicer is a servicer that: (A) Services, together with any affiliates, 5,000 or fewer
mortgage loans, for all of which the servicer (or an affiliate) is the creditor or assignee.”
12 CFR § 1026.41(e)(4) (ii).


                                             28
violators liable to individual borrowers for “(A) any actual damages to the borrower

as a result of the failure; and (B) any additional damages, as the court may allow, in

the case of a pattern or practice of noncompliance with the requirements of this

section”). Furthermore, the actual damages must arise “as a result of” the servicer’s

alleged violation. 12 USC § 2605 (f) (1) (A).

      The Browns have failed to show any such harm, and thus the trial court erred

in denying Oconee Federal’s motion for summary judgment on this claim as well.

      j. Punitive Damages and Attorney Fees

      Because there remain genuine issues of material facts as to the Browns’ claim

for breach of the covenant of good faith and fair dealing, the trial court did not err in

denying Oconee Federal summary judgment as to punitive damages. See Zhong v.

PNC Bank, N.A., 345 Ga. App. 135, 142 (2) (c) (812 SE2d 514) (2018) (“[P]unitive

damages may be awarded even when actual damages are small, and they may be

awarded in a case where the plaintiff receives nominal but not actual damages.

Whether the circumstances were sufficiently aggravating to authorize punitive

damages is a jury question.”) (citations and punctuation omitted); Weller v. Blake,

315 Ga. App. 214, 219-220 (3) (a) (726 SE2d 698) (2012) (“Whether the tort was

sufficiently aggravating to authorize punitive damages is generally a jury question,

                                           29
  and a jury may award punitive damages even where the clear and convincing

  evidence only creates an inference of the defendant[‘s] conscious indifference to the

  consequences of [its] acts.”) (punctuation omitted).

           With regard to attorney fees, the Browns alleged entitlement to attorney fees

  under OCGA § 13-6-11 “on the grounds that [Oconee Federal] acted in bad faith,

  were and are stubbornly litigious, and have caused . . . unnecessary trouble and

  expense.” “[B]oth the liability for and amount of attorney fees pursuant to OCGA §

  13-6-11 are solely for the jury’s determination, [and] a trial court is not authorized to

  grant summary judgment in favor of a claimant therefor.”16 (Citations omitted.)

  Covington Square Assocs. v. Ingles Mkts., 287 Ga. 445, 446 (696 SE2d 649) (2010).

  “[A]lthough a trial court is permitted to grant such fees when it sits as a trier of fact,

  it is not a trier of fact on a motion for summary judgment.” (Punctuation omitted.)

  Sherman v. Dickey, 322 Ga. App. 228, 234 (2) (744 SE2d 408) (2013). The trial court




      16
          OCGA § 13-6-11 provides: “The expenses of litigation generally shall not be
allowed as a part of the damages; but where the plaintiff has specially pleaded and has
made prayer therefor and where the defendant has acted in bad faith, has been stubbornly
litigious, or has caused the plaintiff unnecessary trouble and expense, the jury may allow
them.”


                                             30
properly denied Oconee Federal’s motion for summary judgment as to the Browns’

claim for attorney fees.

      Judgment affirmed in part and reversed in part. McMillian and Reese, JJ.,

concur.




                                      31
