Reybel Hernandez v. Barclays Mortgage Trust 2022-RPL1, Mortgage-Backed Securities Series 2022-RPL1; U.S. Bank National Association, as Indenture Trustee; Mortgage Electronic Registration Systems, Inc.

Hernandez · United States District Court for the Southern District of Florida · February 12, 2026 · No. 25-24992-Civ-TORRES

Summary

The United States District Court for the Southern District of Florida dismissed Reybel Hernandez’s amended complaint challenging a state-court mortgage foreclosure. The court held that the Rooker-Feldman doctrine and the prior exclusive jurisdiction doctrine barred the federal claims and related property-based relief, and alternatively found that the complaint failed to state plausible claims. The court granted Hernandez twenty-one days to amend if he could assert viable claims that did not require overturning the state-court judgment.

Court
United States District Court for the Southern District of Florida
Writing for the Court
Edwin G. Torres
Jurisdiction
United States District Court for the Southern District of Florida
Decision date
February 12, 2026
Docket number
25-24992-Civ-TORRES
Procedural posture
Defendants moved under Federal Rules of Civil Procedure 12(b)(1) and 12(b)(6) to dismiss Hernandez's amended federal complaint challenging a state-court foreclosure judgment. The court granted dismissal but allowed Hernandez twenty-one days to amend.
Standard of review
A factual challenge to subject matter jurisdiction under Rule 12(b)(1) permits the court to consider matters outside the pleadings, weigh the evidence, and place the burden on the plaintiff to establish jurisdiction. Under Rule 12(b)(6), the complaint must contain sufficient factual matter to state a plausible claim for relief, and conclusory allegations, labels, and formulaic recitations do not suffice.
Precedential value
unpublished district court order; nonprecedential
Parties
Reybel Hernandez v. Barclays Mortgage Trust 2022-RPL1, Mortgage-Backed Securities Series 2022-RPL1, U.S. Bank National Association, as Indenture Trustee, Mortgage Electronic Registration Systems, Inc.
Disposition
dismissed

Topics

motions to dismisssubject matter jurisdictionquiet titlewrongful foreclosurecivil procedure

Practice areas

civil procedurereal estatemortgagesconsumer protectionremedies

Questions Presented

  1. Whether Rooker-Feldman deprived the federal district court of jurisdiction over claims seeking to invalidate, enjoin, or otherwise undo the state-court foreclosure judgment.
  2. Whether the prior exclusive jurisdiction doctrine barred the federal court from exercising in rem or quasi in rem jurisdiction over property already under the control of the state foreclosure court.
  3. Whether the amended complaint stated any plausible claim for relief under Rule 8(a)(2) and Rule 12(b)(6).
  4. Whether claim preclusion independently barred theories concerning the chain of title and alleged defects in the foreclosure proceedings.

Holdings

  1. Rooker-Feldman bars a federal district court from exercising jurisdiction over claims that, on a claim-by-claim basis, seek relief for injuries caused by a state-court judgment or require the federal court to modify, invalidate, or overturn that judgment.
  2. When a state court first exercises in rem or quasi in rem jurisdiction over specific property, a federal court may not exercise jurisdiction over the same res in a manner that would interfere with or impair the state court's control.
  3. The amended complaint failed to satisfy Rule 8(a)(2) and did not state a plausible claim because it grouped defendants together and relied on vague, conclusory allegations concerning securitization, chain of title, dual tracking, fraud, and robo-signed documents.

Key quotations

Rooker-Feldman is a narrow jurisdictional doctrine that bars parties who lose in state court from appealing that loss to federal district court. (Section II.B)
When one court takes a specific thing into its jurisdiction, that res is as much withdrawn from the judicial power of the other as if it had been carried physically into a different territorial sovereignty. (Section II.C)
Federal courts are courts of limited jurisdiction. They do not sit as appellate bodies overseeing state courts. (Section III)

Factual background

Hernandez borrowed $263,999 in 2005 to purchase a home in Hialeah, Florida, secured by a mortgage that was later modified and assigned several times. After Hernandez defaulted, Barclays Mortgage Trust sued him in Florida state court and obtained a final judgment of foreclosure based on the Trust's possession of the original note endorsed in blank, proof of breach, notice, and damages. Hernandez filed this federal action shortly after the foreclosure judgment was recorded, asserting claims including TILA, RESPA, FDCPA, fraud, wrongful foreclosure, quiet title, constructive trust, deceptive trade practices, and declaratory relief, while seeking to prevent enforcement of the state judgment.

Procedural history

Hernandez defaulted on a mortgage loan, and the Trust obtained a Florida state-court final judgment of foreclosure after summary judgment proceedings. Hernandez then filed this federal action seeking relief under federal and Florida law, including relief that would invalidate or prevent enforcement of the state foreclosure judgment. The federal court dismissed the amended complaint for lack of subject matter jurisdiction under Rooker-Feldman and the prior exclusive jurisdiction doctrine, and alternatively concluded that the pleading failed to state a plausible claim. The court granted one opportunity to amend.

Court Document

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