
    Gregory KIERNOZEK, Plaintiff-Appellant, v. FEDERAL NATIONAL MORTGAGE ASSOCIATION, aka FNMA, aka Fannie Mae, Bank of America, as an aider and abettor, Defendants-Appellees.
    15-2976
    United States Court of Appeals, Second Circuit.
    November 3, 2016
    FOR PLAINTIFF-APPELLANT: Gregory Kiernozek, pro se, Albany, NY.
    FOR DEFENDANTS-APPELLEES: Suzanne M. Berger & Scott Harris Kaiser, Bryan Cave LLP, New York, NY.
    PRESENT: ROBERT A. KATZMANN, Chief Judge, RICHARD C. WESLEY, SUSAN L. CARNEY, Circuit Judges.
   SUMMARY ORDER

Gregory Kiernozek, proceeding pro se, appeals from the district court’s judgment dismissing his second amended complaint against defendants-appellees the Federal National Mortgage Association and Bank of America (collectively “defendants”) pursuant to Federal Rule of Civil Procedure 12(b)(6) for failure to state a claim. Kierno-zek alleged that defendants engaged in fraud and intentional misconduct, negotiated in bad faith, and discriminated against him on the basis of his disability and ethnicity in connection with a home loan modification offer that he rejected. We assume the parties’ familiarity with the underlying facts and the procedural history of the case.

“We review de novo a district court’s dismissal of a complaint pursuant to Rule 12(b)(6), construing the complaint liberally, accepting all factual allegations in the complaint as true, and drawing all reasonable inferences in the plaintiffs favor.” Chambers v. Time Warner, Inc., 282 F.3d 147, 152 (2d Cir. 2002). To survive a motion to dismiss under Rule 12(b)(6), the complaint must plead “enough facts to state a claim to relief that is plausible on its face.” Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007); see also Ashcroft v. Iqbal, 556 U.S. 662, 678-79, 129 S.Ct. 1937, 173 L.Ed.2d 868 (2009). A claim will have “facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Iqbal, 556 U.S. at 678, 129 S.Ct. 1937. Although all allegations contained in the complaint are assumed to be true, this tenet “is inapplicable to legal conclusions.” Id. “Threadbare recitals of the elements of a cause of action, supported by mere conclusory statements, do not suffice,” and pleadings that “are no more than conclusions ... are not entitled to the assumption of truth.” Id. at 678-79, 129 S.Ct. 1937.

Here, upon de novo review of the record and in light of the above principles, we conclude that the district court properly dismissed Kiernozek’s second amended complaint. We therefore affirm for substantially the reasons stated by the district court in its thorough and well-reasoned August 24, 2015 memorandum and order.

We have considered all of Kiernozek’s arguments and find them to be without merit. Accordingly, we AFFIRM the judgment of the district court.  