14-2961-cv
Larobina v. Wells Fargo Bank, N.A.


                             UNITED STATES COURT OF APPEALS
                                 FOR THE SECOND CIRCUIT

                                     SUMMARY ORDER

RULINGS BY SUMMARY ORDER DO NOT HAVE PRECEDENTIAL EFFECT. CITATION TO A
SUMMARY ORDER FILED ON OR AFTER JANUARY 1, 2007, IS PERMITTED AND IS GOVERNED BY
FEDERAL RULE OF APPELLATE PROCEDURE 32.1 AND THIS COURT’S LOCAL RULE 32.1.1.
WHEN CITING A SUMMARY ORDER IN A DOCUMENT FILED WITH THIS COURT, A PARTY MUST
CITE EITHER THE FEDERAL APPENDIX OR AN ELECTRONIC DATABASE (WITH THE NOTATION
“SUMMARY ORDER”). A PARTY CITING A SUMMARY ORDER MUST SERVE A COPY OF IT ON
ANY PARTY NOT REPRESENTED BY COUNSEL.

      At a stated term of the United States Court of Appeals for the Second Circuit, held at
the Thurgood Marshall United States Courthouse, 40 Foley Square, in the City of New
York, on the 3rd day of February, two thousand sixteen.

PRESENT: RALPH K. WINTER,
           REENA RAGGI,
           CHRISTOPHER F. DRONEY,
                 Circuit Judges.
_____________________________________

Vincent P. Larobina,
                    Plaintiff-Appellant,

                  v.                                                  14-2961-cv

Wells Fargo Bank, N.A.,
                   Defendant-Appellee.*
_____________________________________


FOR APPELLANT:                               Vincent P. Larobina, pro se, Stamford,
                                             Connecticut.

FOR APPELLEE:                                David M. Bizar, Robert J. Carty, Jr., Seyfarth
                                             Shaw LLP, Boston, Massachusetts.




*
    The Clerk of Court is directed to amend the official caption as shown above.
       Appeal from a judgment of the United States District Court for the District of

Connecticut (Michael P. Shea, Judge).

       UPON DUE CONSIDERATION, IT IS HEREBY ORDERED, ADJUDGED,

AND DECREED that the judgment of the district court entered on July 15, 2014, is

AFFIRMED.

       Plaintiff Vincent P. Larobina, proceeding pro se, appeals from a judgment in favor

of defendant Wells Fargo Bank, N.A. (“Wells Fargo”) (1) dismissing Larobina’s claims

that Wells Fargo violated Connecticut law by causing a diminution in the value of his real

property and certain claims in connection with his mortgage, and (2) granting summary

judgment as to Larobina’s claims that Wells Fargo violated the Connecticut Unfair Trade

Practices Act (“CUTPA”), Conn. Gen. Stat. §§ 42-110a to 42-110q, in connection with his

mortgage. We assume the parties’ familiarity with the underlying facts, the procedural

history of the case, and the issues on appeal, which we reference only as necessary to

explain our decision to affirm.

       We review de novo a district court’s dismissal of a complaint for failure to state a

claim, “construing the complaint liberally, accepting all factual allegations in the

complaint as true, and drawing all reasonable inferences in the plaintiff’s favor.”

Chambers v. Time Warner, Inc., 282 F.3d 147, 152 (2d Cir. 2002). Upon such review, we

affirm the district court’s dismissal of 13 of Larobina’s 14 claims for substantially the

reasons stated in the district court’s thorough and well-reasoned opinion. See Larobina v.

Wells Fargo Bank, N.A., No. 3:10CV1279 (MRK), 2012 WL 1032953 (D. Conn. Mar. 27,

2012). We note only that, while Larobina correctly calculated the monthly mortgage

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payment on a 30-year, $250,000 loan at a fixed interest rate of 5.87% as $1,478.05, rather

than $1,484.50, the district court correctly recognized that the Note explicitly provides for

the latter sum, and Larobina has made no allegation of fraud sufficient to release him from

the Note’s express provisions. See id. at *5.

       We also review awards of summary judgment de novo. See Bermudez v. City of

New York, 790 F.3d 368, 373 (2d Cir. 2015). The district court granted Wells Fargo

summary judgment on Larobina’s CUPTA claim for telephone calls that repeatedly and

incorrectly charged Larobina with delinquency on his mortgage. See Larobina v. Wells

Fargo Bank, N.A., No. 3:10-CV-01279 (MPS), 2014 WL 3419534, at *1 (D. Conn. July

10, 2014). The district court concluded that Larobina, who claimed only emotional

distress, had not “‘suffer[ed] any ascertainable loss of money or property, real or personal,

as a result of’” Wells Fargo’s actions. Id. at *1 (emphasis added by Larobina) (quoting

Conn. Gen. Stat. § 42–110g(a)). The Appellate Court of Connecticut recently held that a

“claim of emotional distress does not constitute an ascertainable loss of money or property

for purposes of CUTPA.” Di Teresi v. Stamford Health Sys., Inc., 149 Conn. App. 502,

512, 88 A.3d 1280, 1285 (2014). This authoritative interpretation of the statute accords

with the most natural reading of the statutory text and confirms the same overwhelming

construction of Superior Courts of Connecticut since 2003. See id. at 510–12 & n.3, 88

A.3d at 1284–85 & n.3 (collecting cases). Thus, although the Connecticut Supreme Court

has not ruled on the question, these precedents allow us to predict with confidence that

Connecticut’s highest court would reach the same outcome. Cf. Gilbert v. Seton Hall

Univ., 332 F.3d 105, 115 (2d Cir. 2003) (“[C]ertification is warranted where existing

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state-court precedents do not enable us to predict with confidence the outcome that the

state’s highest court would reach . . . .”). We therefore affirm the grant of summary

judgment.

       Finally, Larobina contends that the district court effectively imposed an

impermissible anti-suit injunction by stating in 2010, “I just don’t want other actions being

filed against Wells Fargo until we resolve [the instant federal case].” J.A. 100. In fact,

the record makes clear that the district court explicitly declined to enter an order enjoining

Larobina. See J.A. 103 (“I could enter an order, but I would prefer to have sort of a

gentleman’s agreement that we are not going to be filing state court actions outside of this

complaint.”). Even if it had, however, any error would have been harmless because

Larobina shows no impact on his substantial rights. See Fed. R. Civ. P. 61 (“At every

stage of the proceeding, the court must disregard all errors and defects that do not affect

any party’s substantial rights.”).

       We have considered all of Larobina’s remaining arguments and conclude that they

are without merit. Accordingly, we AFFIRM the judgment of the district court.

                                           FOR THE COURT:
                                           Catherine O’Hagan Wolfe, Clerk of Court




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