Case Name: Ronald W. STARLEPER; Constance M. Starleper, Plaintiffs-Appellants, v. MERCANTILE MORTGAGE, LLC; Wells Fargo Bank, N.A.; Wells Fargo Home Mortgage, Inc.; Federal National Mortgage Association, Defendants-Appellees
Court: United States Court of Appeals for the Fourth Circuit
Jurisdiction: United States
Decision Date: 2016-09-29
Citations: 669 F. App'x 105
Docket Number: No. 16-1061
Parties: Ronald W. STARLEPER; Constance M. Starleper, Plaintiffs-Appellants, v. MERCANTILE MORTGAGE, LLC; Wells Fargo Bank, N.A.; Wells Fargo Home Mortgage, Inc.; Federal National Mortgage Association, Defendants-Appellees.
Judges: Before NIEMEYER, THACKER, and HARRIS, Circuit Judges.
Reporter: West's Federal Appendix
Volume: 669
Pages: 105–106

Head Matter:
Ronald W. STARLEPER; Constance M. Starleper, Plaintiffs-Appellants, v. MERCANTILE MORTGAGE, LLC; Wells Fargo Bank, N.A.; Wells Fargo Home Mortgage, Inc.; Federal National Mortgage Association, Defendants-Appellees.
No. 16-1061
United States Court of Appeals, Fourth Circuit.
Submitted: September 9, 2016
Decided: September 29, 2016
Ronald W. Starleper, Constance M. Starleper, Appellants Pro Se. Virginia Wood Barnhart, Justin E. Fine, Sarah E. Meyer, Douglas Brooks Riley, Treanor, Pope & Hughes, PA, Towson, Maryland, for Appellees.
Before NIEMEYER, THACKER, and HARRIS, Circuit Judges.

Opinion:
Unpublished opinions are not binding precedent in this circuit.
PER CURIAM:
Ronald and Constance Starleper appeal the district court's orders dismissing their complaint for failure to state a claim and denying reconsideration. We affirm the district court's orders.
We review de novo a district court's dismissal of an action under Fed. R. Civ. P. 12(b)(6), accepting factual allegations in the complaint as true and "drawing] all reasonable inferences in favor of the [non-moving party]." Kensington Volunteer Fire Dep't v. Montgomery Cty., 684 F.3d 462, 467 (4th Cir. 2012) (internal quotation marks omitted). To survive a motion to dismiss, the complaint's "[flactual allegations must be enough to raise a right to relief above the speculative level" and sufficient "to state a claim to relief that is plausible on its face." Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555, 570, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007).
Confining our review to the issues raised in Appellants' opening brief, see 4th Cir. R. 34(b), we discern no error in the district court's orders. While a district court must liberally construe a pro se complaint, Erickson v. Pardus, 551 U.S. 89, 94, 127 S.Ct. 2197, 167 L.Ed.2d 1081 (2007), this does not excuse the Starlepers from meeting the required pleading standards. See Giarratano v. Johnson, 521 F.3d 298, 304 n.5 (4th Cir. 2008) (concluding that "Erickson [did not] undermine Twombly's requirement that a pleading contain more than labels and conclusions" (internal quotation marks omitted)). The Starlepers' contention that their mortgage is defective because the deed of trust and mortgage note were assigned separately "is not[ ] the law." See Horvath v. Bank of N.Y., N.A., 641 F.3d 617, 624 (4th Cir. 2011); Svrcek v. Rosenberg, 203 Md.App. 705, 40 A.3d 494, 507 (2013). Moreover, to the extent that the Starlepers challenge Appellees' failure to identify "Fannie Mae REMIC Trust 2010-122," the Starlepers have waived appellate review of this claim by failing to raise it before the district court. See In re Under Seal, 749 F.3d 276, 285, 292 (4th Cir. 2014).
Accordingly, we affirm the district court's orders. We dispense with oral argument because the facts and legal contentions are adequately presented in the ma terials before this court and argument would not aid the decisional process.
AFFIRMED