The opinion of the court was delivered by: John Gleeson, United States District Judge
On November 5, 2009, Gregory Lewis filed this pro se action against Select Portfolio Servicing, LLC ("SPS") and ten unidentified individuals alleging the defendants participated in a mortgage fraud perpetrated against Lewis. On January 19, 2010, SPS filed a motion to dismiss the complaint for failure to state a claim upon which relief can be granted. Lewis opposed the motion in writing, and I heard oral argument on March 26, 2010. For the reasons set forth below, the defendant's motion is granted.
The following facts are drawn from Lewis's pro se complaint and documents attached to and incorporated by reference in that complaint, and are assumed to be true for the purposes of this motion.
In September 2006, Lewis obtained a mortgage loan in the amount of $636,000 for his home in Brooklyn. Thereafter, SPS, which services the mortgage, issued Lewis a mortgage statement noting the loan amount was $712,695.25. Lewis alleges that SPS is "not part owner of the note and mortgage" and, therefore, could not have legally increased the loan amount. He further alleges that SPS participated in a conspiracy to commit mortgage fraud against Lewis.
In July 2008, following Lewis's default on the mortgage and note, U.S. Bank National Association, acting as Trustee, on behalf of the Holders of the Adjustable Rate Mortgage Trust 2007-1, Adjustable Rate Mortgage-Backed Pass-Through Certificates, Series 2007-1, brought a foreclosure action against Lewis in the Supreme Court of New York State, Kings County. In his answer to the foreclosure complaint, Lewis alleges the mortgage at issue was predatory.
A. Motion to Dismiss -- Standard of Review
Motions to dismiss pursuant to Rule 12(b)(6) test the legal, not the factual, sufficiency of a complaint. See, e.g., Sims v. Artuz, 230 F.3d 14, 20 (2d Cir. 2000) ("At the Rule 12(b)(6) stage, 'the issue is not whether a plaintiff is likely to prevail ultimately, but whether the claimant is entitled to offer evidence to support the claims.'" (quoting Chance v. Armstrong, 143 F.3d 698, 701 (2d Cir. 1998))). Accordingly, I must accept the factual allegations in the complaint as true, Erickson v. Pardus, 551 U.S. 89, 93-94 (2007) (per curiam), and "draw all reasonable inferences in favor of the plaintiff." Bolt Elec., Inc. v. City of New York, 53 F.3d 465, 469 (2d Cir. 1995). However, "the tenet that a court must accept as true all of the allegations contained in a complaint is inapplicable to legal conclusions." Ashcroft v. Iqbal, 129 S.Ct. 1937, 1949 (2009).
Iqbal offered district courts additional guidance regarding the consideration of motions to dismiss under Rule 12(b)(6). Citing its earlier decision in Bell Atlantic Corp. v. Twombly, 550 U.S. 544 (2007), the Court explained:
To survive a motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to state a claim to relief that is plausible on its face. A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.
Iqbal, 129 S.Ct. at 1949 (internal citations and quotation marks omitted).
Because Lewis is pro se, his complaint must be read liberally and interpreted as raising the strongest arguments it suggests. See McEachin v. McGuinnis, 357 F.3d 197, 200 (2d Cir. 2004); Burgos v. Hopkins, 14 F.3d 787, 790 (2d Cir. 1994). If a liberal reading of the complaint "gives any indication that a valid claim might be stated," I must grant leave to amend it. See Cuoco v. Moritsugu, 222 F.3d 99, 112 (2d Cir. 2000); Gomez v. USAA Fed. Sav. Bank, 171 F.3d 794, 795 (2d Cir. 1999).
When considering a motion to dismiss, a court may examine (1) the factual allegations in the complaint, which are accepted as true; (2) documents attached to the complaint as exhibits or incorporated in it by reference; (3) matters of which judicial notice may be taken; and (4) documents either in the plaintiff's possession or of which the plaintiff had knowledge and ...