Cromarty v. Wells Fargo Bank, NA

The borrowers appeal from the circuit court’s final summary judgment of foreclosure in the bank’s favor. The borrowers *989argue, among other things, that the bank failed to negate their affirmative defense of lack of standing. Specifically, the borrowers argue that the note’s blank endorsement was undated and the bank’s evidence was insufficient to establish that it held the note and was entitled to enforce the note at the time it filed suit.

We agree with the borrowers’ argument as to standing and reverse. See Hall v. REO Asset Acquisitions, LLC, 84 So.3d 388 (Fla. 4th DCA 2012) (“While the note…