Case Name: Ronald A. DAVIS, Plaintiff-Appellant, v. BSI FINANCIAL SERVICES, INC.; Mortgage Electronic Registration Systems, (MERS), Defendants-Appellees
Court: United States Court of Appeals for the Fourth Circuit
Jurisdiction: United States
Decision Date: 2016-02-29
Citations: 633 F. App'x 837
Docket Number: No. 15-2113
Parties: Ronald A. DAVIS, Plaintiff-Appellant, v. BSI FINANCIAL SERVICES, INC.; Mortgage Electronic Registration Systems, (MERS), Defendants-Appellees.
Judges: Before SHEDD and HARRIS, Circuit Judges, and DAVIS, Senior Circuit Judge.
Reporter: West's Federal Appendix
Volume: 633
Pages: 837–838

Head Matter:
Ronald A. DAVIS, Plaintiff-Appellant, v. BSI FINANCIAL SERVICES, INC.; Mortgage Electronic Registration Systems, (MERS), Defendants-Appellees.
No. 15-2113.
United States Court of Appeals, Fourth Circuit.
Submitted: Feb. 25, 2016.
Decided: Feb. 29, 2016.
Ronald A. Davis, Appellant Pro Se. Bizhan Beiramee, Beiramee Law Group, P.C., Bethesda, Maryland; Mary Seminara Diemer, Nelson Mullins Riley & Scarborough, LLP, Washington, D.C., for Appel-lees.
Before SHEDD and HARRIS, Circuit Judges, and DAVIS, Senior Circuit Judge.

Opinion:
Affirmed by unpublished PER CURIAM opinion.
Unpublished opinions are not binding precedent in this circuit.
PER CURIAM:
Ronald A. Davis appeals the district court's order dismissing, for failure to state a claim, his complaint asserting claims under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 to 1692p (2012), and several other theories of recovery. Davis sought to enjoin BSI Financial Services, Inc., ("BSI") from foreclosing on his real property; claimed that BSI engaged in intentional misrepresentation, negligence, fraud, and unjust enrichment; and sought to quiet title and cancel all financial instruments between the parties. He also alleged fraud and sought a declaratory judgment against Mortgage Electronic Registration Systems ("MERS"). On appeal, Davis challenges the district court's dismissal of his complaint on several grounds.
"We review de novo the grant of a Rule 12(b)(6) motion to dismiss for failure to state a claim." Epps v. JP Morgan Chase Bank, N.A., 675 F.3d 315, 320 (4th Cir.2012). "To survive a motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to 'state a claim to relief that is plausible on its face.'" Ashcroft v. Iqbal, 556 U.S. 662, 678, 129 S.Ct. 1937, 173 L.Ed.2d 868 (2009) (quoting Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007)).
We first consider Davis' contention that, under Maryland law, BSI cannot enforce the note against Davis because the note had been separated from the deed of trust for the property in question. But as the Court of Appeals of Maryland has explained, a "deed of trust cannot be transferred like a mortgage; rather, the corresponding note may be transferred, and carries with it the security provided by the deed of trust." Anderson v. Burson, 424 Md. 232, 35 A.3d 452, 460 (2011) (emphasis added). Thus, the district court rightly rejected Davis' contention.
Davis also seeks to invalidate the assignment of the note to BSI because, he claimed, it had been mechanically signed, or robo-signed. Regardless of the truth of this assertion, Davis was not a party to the assignment and fails to demonstrate either that he has standing to challenge the assignment or that robo-signing renders the assignment void.
Next, Davis challenges the district court's failure to address or "provide standards to cure" many of the legal theories alleged in his complaint. But our review of the record reveals that Davis did not support any of these theories with factual allegations sufficient to "state a claim to relief that is plausible on its face." Twombly, 550 U.S. at 570, 127 S.Ct. 1955. Consequently, the district court did not err in dismissing them.
Finally, we review the denial of Davis' motion for leave to amend for abuse of discretion. Tatum v. RJR Pension Inv. Comm., 761 F.3d 346, 370 (4th Cir.2014). "Leave to amend need not be given when amendment would be futile." In re PEC Solutions, Inc. Sec. Litig., 418 F.3d 379, 391 (4th Cir.2005). And after reviewing the record, we conclude that amendment would indeed have been futile. Davis provides no basis for believing that, with the benefit of more particularized allegations, his complaint could survive a motion to dismiss.
Accordingly, we affirm the district court's order dismissing Davis' complaint. 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.