CitiMortgage, Inc. v. Ustick

188 A.D.3d 793

136 N.Y.S.3d 85

CITIMORTGAGE, INC., respondent,

v.John M. USTICK, etc., appellant, et al., defendants.

2018–00316

2018–00325

Index No. 67924/14

Supreme Court, Appellate Division, Second Department, New York.

Submitted—March 13, 2020

November 12, 2020

Fred M. Schwartz, Smithtown, NY, for appellant.

Knuckles, Komosinski & Manfro, LLP, Elmsford, N.Y. (Max T. Saglimbeni of counsel), for respondent.

LEONARD B. AUSTIN, J.P., ROBERT J. MILLER, JOSEPH J. MALTESE, FRANCESCA E. CONNOLLY, JJ.

DECISION & ORDER

In an action to foreclose a mortgage, the defendant John M. Ustick appeals from two orders of the Supreme Court, Suffolk County (Howard H. Heckman, Jr., J.), both dated September 29, 2017. The first order dated September 29, 2017, insofar as appealed from, granted those branches of the plaintiff's motion which were for summary judgment on the complaint insofar as asserted against that defendant, for summary judgment dismissing that defendant's affirmative defenses, and for an order of reference. The second order dated September 29, 2017, insofar as appealed from, granted the same branches of the plaintiff's motion and appointed a referee to compute the amount due to the plaintiff.

ORDERED that the orders dated September 29, 2017, are modified, on the law, by deleting the provisions thereof granting those branches of the plaintiff's motion which were for summary judgment on the complaint insofar as asserted against the defendant John M. Ustick, for summary judgment dismissing the 1st and 14th affirmative defenses in that defendant's answer which alleged that the plaintiff lacked standing to commence the action, and for an order of reference, and substituting therefor provisions denying those branches of the plaintiff's motion; as so modified, the order is affirmed insofar as appealed from, with one bill of costs to the appellant.

The plaintiff commenced this action against the defendant John M. Ustick (hereinafter the defendant), among others, to foreclose a mortgage on real property in Saint James. Thereafter, the plaintiff moved, inter alia, for summary judgment on the complaint insofar as asserted against the defendant, for summary judgment dismissing the defendant's affirmative defenses, and for an order of reference. The defendant opposed the motion, contending, among other things, that there were triable issues of fact as to whether the plaintiff had standing to commence the action. The Supreme Court granted those branches of the motion, and the defendant appeals.

Contrary to the defendant's contention, the plaintiff demonstrated, prima facie, that it complied with RPAPL 1304 (see Nationstar Mtge., LLC v. Durane–Bolivard, 175 A.D.3d 1308, 1309, 109 N.Y.S.3d 99 ; Nationstar Mtge., LLC v. LaPorte, 162 A.D.3d 784, 786, 79 N.Y.S.3d 70 ). The plaintiff submitted the affidavit of a person employed by the plaintiff as a business operations analyst, who described the procedure by which mailings were documented in a correspondence log, and laid a foundation for consideration of business records he submitted. Annexed to the affidavit was a copy of excerpts of the correspondence log, which indicated that notices pursuant to RPAPL 1304 were sent to the defendant by certified and first-class mail. The plaintiff also submitted, inter alia, a copy of an envelope addressed to the defendant bearing a USPS certified mail barcode, and a copy of an envelope addressed to the defendant bearing a USPS first-class mail barcode, along with copies of the RPAPL 1304 notices sent to the defendant. In opposition, the defendant failed to raise a triable issue of fact (see Citibank, N.A. v. Conti–Scheurer, 172 A.D.3d 17, 98 N.Y.S.3d 273 ). The plaintiff also established, prima facie, that it complied with section 22 of the mortgage agreement, which required service of a specified default notice as a condition precedent to acceleration of the loan, and the defendant failed to raise a triable issue of fact in opposition (see Nationstar Mtge., LLC v. Durane–Bolivard, 175 A.D.3d 1308, 109 N.Y.S.3d 99 ).

"A plaintiff establishes its standing in a mortgage foreclosure action by...