... TelefaxNo.DanaCarreraNo.94C4094JUdgecastilloPlaintiffsDefendant.vs.SelmaS.BUYCKS-ROBERSON,)ReneeBROOKSandCalvinROBERSON)onbehalf of themselvesand)otherssimilarlysituated,))))))))))))CITIBANKFEDERALSAVINGSBANK,IN THE UNITED STATES DISTRICTCOURT FOR THE NORTHERNDISTRICT OF ILLINOISEASTERNDIVISIONSECONDAMENDEDCOMPLAINTPlaintiffsSelmaS.Buycks-Roberson,ReneeBrooksandCalvinR.Roberson,onbehalf of themselvesandotherssimilarlysituated,byandthroughtheirattorneys,makethisSecondAmendedComplaintagainstDefendant,citibankFederalSavingsBank("Citibank").NATURE OF THE ACTION1.ThisisacivilactionbroughtbySelmaS.Buycks-Roberson,ReneeBrooksandCalvinR.Robersononbehalf of themselvesandallotherAfrican-Americanswhosehomeloanapplicationstocitibankoriginatedfrom the Chicagometropolitanareaandwhoseapplicationswererejectedbecause of theirraceorcolororbecause of the racialcomposition of the neighborhoodinwhichtheirpropertieswerelocated.Thisactionseeksinjunctivereliefandmonetarydamages for violations of 42u.S.C.§§1981and1982;42U.S.C.§3605and15U.S.C.§169l(a).JURISDICTIONANDVENUE2.Jurisdiction of thiscourtarisesunder28U.S.C.§1343(a)(4),42U.S.C.§3613(a)(1)(A)and15U.S.C.§1691e(f).3.Venueisproperin the NorthernDistrict of Illinoissincesome of the actsandtransactionscomplained of occurredinthisdistrict. THE PARTIES4.PlaintiffSelmaS.Buycks-Robersonis an African-Americancitizen of the united States whoresidesinBroadview,Illinois.5.PlaintiffReneeBrooksis an African-Americancitizen of the united States whoresidesinChicago,Illinois.6.PlaintiffCalvinR.Robersonis an African-Americancitizen of the united States whoresidesinChicago,Illinois.7.Defendantcitibankisafederalsavingsbankthatoffersresidentialmortgageloans("homeloans").CLASSACTIONSALLEGATIONS8.(a)Plaintiffsarecitibankhomeloanapplicants;theybringthisactiononbehalf of themselvesandallotherAfrican-Americanhomeloanapplicantssimilarlysituated.ThisactionisbroughtasaclassactionpursuanttoRule23(b)(2)andRule23(b)(3) of the FederalRules of CivilProcedure.(b) The classconsists of allAfrican-Americanswhofiledapplications for homeloanstocitibankandwererejectedonorafterJuly6,1992becausetheyareAfrican-Americanand/or2because the racialcomposition of the neighborhoodsinwhichtheirpropertieswerelocatedwaspredominantlyAfrican-American.(c) The classissonumerousthatjoinder of allpersonsisimpracticable.PlaintiffsareinformedandbelievethatmanyhomeloanapplicationstoDefendantbyAfrican-Americanswereillegallyrejected.Oninformationandbelief,Defendantrejected the homeloanapplications of manydozens of African-Americanapplicantsbecause of theirraceorcolor,and/orbecause of the racialcomposition of the neighborhoodsinwhichtheirpropertieswerelocated.(d)Plaintiffswillfairlyandadequatelyprotect the interests of allclassmembers,astheyaremembers of the classandtheirclaimsaretypical of the claims of allclassmembers.Plaintiffsareincensedby the treatmenttheyhavereceivedandwillaggressivelypursuetheiraswellas the class'sinterests.Plaintiffs'interestsinobtaininginjunctivereliefandmonetarydamages for the violations of the above-mentionedfederalstatutesareconsistentwithandnotantagonistictothose of anypersonwithin the class.(e) The commonquestions of lawandfactinclude:(i)whetherDefendanthadapolicy,practiceorproceduretorejecthomeloanapplicationson the basis of the applicants'raceoron the basis of the racialcomposition of the neighborhoodsinwhichtheirpropertieswerelocated;(ii)whether the conductallegedhereinisinviolation of Title42U.S.C.§§1981and1982;42U.S.C.§3605and15U.S.C.3§1691(a);and(iii)whetherPlaintiffsareentitledto an award of actual,compensatoryorpunitivedamages.(f) The wrongfulconductallegedhereinhasbeentakengenerallyagainstallmembers of the classinthatAfrican-Americanhomeloanapplicantshavehadtheirloanapplicationsrejectedon the basis of theirraceorcolor,orbecause of the racialcomposition of the neighborhoodsinwhichtheirpropertieswerelocated,orboth,pursuantto the policies,practicesorprocedures of Defendant.(g) The commonquestions of factandlawpredominateoverquestionsaffectingonlyindividualclassmembers.(h)Aclassactionissuperiortootheravailablemethods for the fairandefficientadjudication of the controversyinthat:(i)amUltiplicity of suitswithconsequentburdenon the courtsandDefendantshouldbeavoided;and(ii)itwouldbeundulyburdensome for allclassmemberstointerveneasparties-plaintiffsinthisaction. THE FACTSMs.Buycks-Roberson9.OnoraboutApril4,1992,PlaintiffSelmaBuycks-Robersonapplied for ahomeloan of approximately$43,700fromcitibank.10. The purpose of the loanwastorefinance an existingmortgage of approximately$43,500onMs.Buycks-Roberson'shome,locatedat2057South25thAvenueinBroadview,Illinois.11. The propertythatMs.Buycks-Robersonattemptedtorefinanceislocatedinaneighborhoodinwhich the African-4Americanrepresentationisgrowingandcurrentlyconstitutesoverfiftypercent(50%) of thatneighborhood'spopulation.12.Ms.Buycks-Robersonprovidedtocitibankextensivefinancialdocumentationconcerningherfinancialabilityand the property,includingdocumentsshowingannualincome of over$47,000.13.OnoraboutApril28,1992,Ms.Buycks-RobersonreceivedfromDefendantcitibankaletterthatinformedherthathermortgageloanapplicationhadbeendeniedbecause of delinquentcreditobligationsandotheradversecredit.14.OnJune19,1992,Ms.'Buycks-Robersonreapplied for the homeloan,andagainprovidedtocitibankextensivefinancial.documentationconcerningherannualincome,financialabilityandadditionalinformationconcerninghercreditworthiness.15.OnorafterJuly10,1992,Ms.Buycks-Robersonreceivedfromcitibankaletterthatinformedherthathermortgageloanapplicationhadbeendeniedbecauseher"income[did]not support the amount of creditrequested."16.Ms.Buycks-Robersonwasqualifiedtoreceive the loanshesoughtfromcitibank.Ms.Brooks17.OnoraboutNovember25,1993,PlaintiffReneeBrooksapplied for ahomeloan of approximately$95,000fromcitibank.18.Ms.BrooksprovidedCitibankwithalldocumentationthatCitibankrequired.519. The purpose of the loanwastorefinance an existingmortgage of approximately$95,000onMs.Brooks'scondominium,locatedat5000SouthCornellStreetinChicago,Illinois.20. The propertythatMs.BrooksattemptedtorefinanceislocatedinaneighborhoodinwhichthereisasignificantAfrican-Americanpopulation.21.OnoraboutMarch8,1994,Ms.Brooks'sapplication for ahomeloanwasdeniedon the groundsthatshehadinadequatecollateral,andon the groundsthatshehadsubmitted an incompleteapplication.22.Ms.Brookswasqualifiedtoreceive the homeloanshesoughtfrom'citibank.Mr.Roberson23.OnoraboutJuly9,1993,PlaintiffCalvinRobersonapplied for ahomeloan of approximately$43,000fromcitibank.24. The purpose of the loanwastorefinance an existingmortgage of approximately$43,000onMr.Roberson'shome,locatedat2847West85thStreetinChicago,Illinois.25. The propertywhichMr.Robersonattemptedtorefinanceisloc~tedinaneighborhoodinwhich the African-Americanrepresentationisgrowing.26.Mr.Robersonprovidedcitibankwithalldocumentationthatcitibankrequested,includingdocumentsshowing an annualincome of approximately$69,000fromhismanagementpositionatAT&T,and the equityinhishomevaluedatapproximately$75,000.Mr.Robersonalsoprovided"documentationshowingadditionalliquidassetswellinexcess of the amount of the loanrequested.6Mr.Roberson'sincomewasmorethansufficienttoenablehimtomeethiscreditobligations.27.'OnoraboutJuly9,1993,Mr.Robersonreceivedaletterfrom'citibank,denyinghisapplication for refinancingon the groundsthatitwas"incomplete,"andon the groundsthatDefendantcitibankdidnot"makethistype of loan.".28.Mr.Robersonwasqualifiedtoreceive the loanhesoughtfromcitibank.COUNTIEQUALCREDIT ... TelefaxNo.DanaCarreraNo.94C4094JUdgecastilloPlaintiffsDefendant.vs.SelmaS.BUYCKS-ROBERSON,)ReneeBROOKSandCalvinROBERSON)onbehalf of themselvesand)otherssimilarlysituated,))))))))))))CITIBANKFEDERALSAVINGSBANK,IN THE UNITED STATES DISTRICTCOURT FOR THE NORTHERNDISTRICT OF ILLINOISEASTERNDIVISIONSECONDAMENDEDCOMPLAINTPlaintiffsSelmaS.Buycks-Roberson,ReneeBrooksandCalvinR.Roberson,onbehalf of themselvesandotherssimilarlysituated,byandthroughtheirattorneys,makethisSecondAmendedComplaintagainstDefendant,citibankFederalSavingsBank("Citibank").NATURE OF THE ACTION1.ThisisacivilactionbroughtbySelmaS.Buycks-Roberson,ReneeBrooksandCalvinR.Robersononbehalf of themselvesandallotherAfrican-Americanswhosehomeloanapplicationstocitibankoriginatedfrom the Chicagometropolitanareaandwhoseapplicationswererejectedbecause of theirraceorcolororbecause of the racialcomposition of the neighborhoodinwhichtheirpropertieswerelocated.Thisactionseeksinjunctivereliefandmonetarydamages for violations of 42u.S.C.§§1981and1982;42U.S.C.§3605and15U.S.C.§169l(a).JURISDICTIONANDVENUE2.Jurisdiction of thiscourtarisesunder28U.S.C.§1343(a)(4),42U.S.C.§3613(a)(1)(A)and15U.S.C.§1691e(f).3.Venueisproperin the NorthernDistrict of Illinoissincesome of the actsandtransactionscomplained of occurredinthisdistrict. THE PARTIES4.PlaintiffSelmaS.Buycks-Robersonis an African-Americancitizen of the united States whoresidesinBroadview,Illinois.5.PlaintiffReneeBrooksis an African-Americancitizen of the united States whoresidesinChicago,Illinois.6.PlaintiffCalvinR.Robersonis an African-Americancitizen of the united States whoresidesinChicago,Illinois.7.Defendantcitibankisafederalsavingsbankthatoffersresidentialmortgageloans("homeloans").CLASSACTIONSALLEGATIONS8.(a)Plaintiffsarecitibankhomeloanapplicants;theybringthisactiononbehalf of themselvesandallotherAfrican-Americanhomeloanapplicantssimilarlysituated.ThisactionisbroughtasaclassactionpursuanttoRule23(b)(2)andRule23(b)(3) of the FederalRules of CivilProcedure.(b) The classconsists of allAfrican-Americanswhofiledapplications for homeloanstocitibankandwererejectedonorafterJuly6,1992becausetheyareAfrican-Americanand/or2because the racialcomposition of the neighborhoodsinwhichtheirpropertieswerelocatedwaspredominantlyAfrican-American.(c) The classissonumerousthatjoinder of allpersonsisimpracticable.PlaintiffsareinformedandbelievethatmanyhomeloanapplicationstoDefendantbyAfrican-Americanswereillegallyrejected.Oninformationandbelief,Defendantrejected the homeloanapplications of manydozens of African-Americanapplicantsbecause of theirraceorcolor,and/orbecause of the racialcomposition of the neighborhoodsinwhichtheirpropertieswerelocated.(d)Plaintiffswillfairlyandadequatelyprotect the interests of allclassmembers,astheyaremembers of the classandtheirclaimsaretypical of the claims of allclassmembers.Plaintiffsareincensedby the treatmenttheyhavereceivedandwillaggressivelypursuetheiraswellas the class'sinterests.Plaintiffs'interestsinobtaininginjunctivereliefandmonetarydamages for the violations of the above-mentionedfederalstatutesareconsistentwithandnotantagonistictothose of anypersonwithin the class.(e) The commonquestions of lawandfactinclude:(i)whetherDefendanthadapolicy,practiceorproceduretorejecthomeloanapplicationson the basis of the applicants'raceoron the basis of the racialcomposition of the neighborhoodsinwhichtheirpropertieswerelocated;(ii)whether the conductallegedhereinisinviolation of Title42U.S.C.§§1981and1982;42U.S.C.§3605and15U.S.C.3§1691(a);and(iii)whetherPlaintiffsareentitledto an award of actual,compensatoryorpunitivedamages.(f) The wrongfulconductallegedhereinhasbeentakengenerallyagainstallmembers of the classinthatAfrican-Americanhomeloanapplicantshavehadtheirloanapplicationsrejectedon the basis of theirraceorcolor,orbecause of the racialcomposition of the neighborhoodsinwhichtheirpropertieswerelocated,orboth,pursuantto the policies,practicesorprocedures of Defendant.(g) The commonquestions of factandlawpredominateoverquestionsaffectingonlyindividualclassmembers.(h)Aclassactionissuperiortootheravailablemethods for the fairandefficientadjudication of the controversyinthat:(i)amUltiplicity of suitswithconsequentburdenon the courtsandDefendantshouldbeavoided;and(ii)itwouldbeundulyburdensome for allclassmemberstointerveneasparties-plaintiffsinthisaction. THE FACTSMs.Buycks-Roberson9.OnoraboutApril4,1992,PlaintiffSelmaBuycks-Robersonapplied for ahomeloan of approximately$43,700fromcitibank.10. The purpose of the loanwastorefinance an existingmortgage of approximately$43,500onMs.Buycks-Roberson'shome,locatedat2057South25thAvenueinBroadview,Illinois.11. The propertythatMs.Buycks-Robersonattemptedtorefinanceislocatedinaneighborhoodinwhich the African-4Americanrepresentationisgrowingandcurrentlyconstitutesoverfiftypercent(50%) of thatneighborhood'spopulation.12.Ms.Buycks-Robersonprovidedtocitibankextensivefinancialdocumentationconcerningherfinancialabilityand the property,includingdocumentsshowingannualincome of over$47,000.13.OnoraboutApril28,1992,Ms.Buycks-RobersonreceivedfromDefendantcitibankaletterthatinformedherthathermortgageloanapplicationhadbeendeniedbecause of delinquentcreditobligationsandotheradversecredit.14.OnJune19,1992,Ms.'Buycks-Robersonreapplied for the homeloan,andagainprovidedtocitibankextensivefinancial.documentationconcerningherannualincome,financialabilityandadditionalinformationconcerninghercreditworthiness.15.OnorafterJuly10,1992,Ms.Buycks-Robersonreceivedfromcitibankaletterthatinformedherthathermortgageloanapplicationhadbeendeniedbecauseher"income[did]not support the amount of creditrequested."16.Ms.Buycks-Robersonwasqualifiedtoreceive the loanshesoughtfromcitibank.Ms.Brooks17.OnoraboutNovember25,1993,PlaintiffReneeBrooksapplied for ahomeloan of approximately$95,000fromcitibank.18.Ms.BrooksprovidedCitibankwithalldocumentationthatCitibankrequired.519. The purpose of the loanwastorefinance an existingmortgage of approximately$95,000onMs.Brooks'scondominium,locatedat5000SouthCornellStreetinChicago,Illinois.20. The propertythatMs.BrooksattemptedtorefinanceislocatedinaneighborhoodinwhichthereisasignificantAfrican-Americanpopulation.21.OnoraboutMarch8,1994,Ms.Brooks'sapplication for ahomeloanwasdeniedon the groundsthatshehadinadequatecollateral,andon the groundsthatshehadsubmitted an incompleteapplication.22.Ms.Brookswasqualifiedtoreceive the homeloanshesoughtfrom'citibank.Mr.Roberson23.OnoraboutJuly9,1993,PlaintiffCalvinRobersonapplied for ahomeloan of approximately$43,000fromcitibank.24. The purpose of the loanwastorefinance an existingmortgage of approximately$43,000onMr.Roberson'shome,locatedat2847West85thStreetinChicago,Illinois.25. The propertywhichMr.Robersonattemptedtorefinanceisloc~tedinaneighborhoodinwhich the African-Americanrepresentationisgrowing.26.Mr.Robersonprovidedcitibankwithalldocumentationthatcitibankrequested,includingdocumentsshowing an annualincome of approximately$69,000fromhismanagementpositionatAT&T,and the equityinhishomevaluedatapproximately$75,000.Mr.Robersonalsoprovided"documentationshowingadditionalliquidassetswellinexcess of the amount of the loanrequested.6Mr.Roberson'sincomewasmorethansufficienttoenablehimtomeethiscreditobligations.27.'OnoraboutJuly9,1993,Mr.Robersonreceivedaletterfrom'citibank,denyinghisapplication for refinancingon the groundsthatitwas"incomplete,"andon the groundsthatDefendantcitibankdidnot"makethistype of loan.".28.Mr.Robersonwasqualifiedtoreceive the loanhesoughtfromcitibank.COUNTIEQUALCREDIT ... OPPORTUNITY29.Plaintiffsadoptandreallege!!1through28 of thisComplaintandincorporatethembyreferenceas~29 of CountI.30. The EqualCreditOpportunityAct,15U.S.C.§1691(1976),makesitunlawful for anycreditortodiscriminateagainstanyapplicantwithrespecttoanyaspect of acredittransactionon the basis of race.section1691e of thisActallowsacivilactiontobebroughtbyanypersondamagedunder the Act.31.DefendantrefusedtoapprovePlaintiffs'loanapplications.becausePlaintiffsareAfrican-American.Defendanthas,therefore,discriminatedagainstPlaintiffson the basis of theirraceorcolor,inviolation of the EqualCreditopportunityAct,15U.S.C.,§1691,et~32.Asadirectandproximateresult of Defendant'sunlawfuldiscriminationagainstPlaintiffs,PlaintiffshavesUffered,andcontinuetosuffer,greatembarrassment,humiliationandemotionaldistress.733.Plaintiffspossessedadequateincomeandassetsandhadadequatecr~dithistorytoqualify for the loansrequested, the valueand/or the e~itytheyhadintheirpropertiesweresufficientto support the loans,andDefendantwasaware of thosefacts.34.Defendant'sdiscriminationagainstPlaintiffswasintentionalandwillful.WHEREFORE,eachPlaintiffasksjUdgmentagainstDefendant for: (a)Actualdamagesin an amounttobeprovedattrial;(b)Compensatorydamagesin an amounttobeprovedattrial;(c)Punitivedamages,notexceeding the lesser of $500,000oronepercentum of the networth of the Defendant;(d)Appropriateinjunctiverelief;(e)Reasonableattorneys'fees·andcosts of suit;and(f)Furtherreliefasthiscourtdeemsjustandproper.COUNTIIFAIRHOUSINGACT35.Plaintiffsadoptandreallege~~1through28 of thisComplaintandincorporatethembyreferenceas~35 of CountII.36.Thisclaimisbroughtunder the FairHousingAct,42U.S.C.§§3601,et~section3613(a)(1)(A) of thisActallowsacivilactiontobebroughtbyanypersondamaged.under the Act.sections3605(a)and(b)(1)providesthatitshallbeunlawful for anypersonorentitywhosebusinessincludesengaginginresidentialreal-estate-relatedtransactionsto8...