SIMON v. PNC BANK (2018)

Emeterio H. Simon and Diana C. Simon appeal the district court's order granting Defendants’ motions to dismiss and dismissing the Simons’ complaint regarding the procedures used to foreclose on their home. We review de novo a district court's dismissal of a complaint under Fed. R. Civ. P. 12(b)(6), accepting factual allegations in the complaint as true and “drawing all reasonable inferences in [the plaintiffs’] favor.” Mason v. Mach. Zone, Inc., 851 F.3d 315, 319 (4th Cir. 2017). We have reviewed the record and find no reversible error. We also find that certification to the Virginia Supreme Court is unnecessary. See Va. Sup. Ct. R. 5:40(a); Roe v. Doe, 28 F.3d 404, 407 (4th Cir. 1994) (“Only if the available state law is clearly insufficient should the court certify the issue to the state court.”). Accordingly, we affirm for the reasons stated by the district court. See Simon v. PNC Bank, N.A., No. 2:16-cv-00388-AWA-LRL, 2017 WL 3726059 (E.D. Va. Aug. 29, 2017). We dispense with oral argument because the facts and legal contentions are adequately presented in the materials before this court and argument would not aid the decisional process.

AFFIRMED

PER CURIAM:

Affirmed by unpublished per curiam opinion. Unpublished opinions are not binding precedent in this circuit.