L. Walter Quinn, III Terry Quinn v. Ocwen Federal Bank Fsb Wilson & Associates, P.L.L.C.

L. Walter Quinn and Terry Quinn appeal the dismissal of their case for failure to state a claim upon which relief can be granted. Having jurisdiction under 28 U.S.C. § 1291, this court affirms.

I

In August 2002, the Quinns mortgaged their home to Provident Bank, which is not a party to this litigation. The Quinns also executed an automated clearing house (ACH) authorization permitting Provident Bank, or its successors and assigns, to automatically withdraw the monthly mortgage payment from the Quinns’ account at another bank. The ACH authorization provides that an automatic debit will occur on…