The opinion of the court was delivered by: Bernard Zimmerman United States Magistrate Judge
ORDER GRANTING DEFENDANT'S MOTION FOR SUMMARY JUDGMENT
Now before me is the motion of defendant MBNA America Bank, N.A. ("MBNA") for summary judgment, or in the alternative partial summary judgment on the complaint of Ilya Guralnik.*fn1 Although plaintiff Ilya Guralnik has not opposed the motion, he lodged with the Court a document titled "Proposed joint statement of undisputed facts supporting Ilya Guralnik OPPOSITION TO MOTION for summary judgment or in the alternative opposition to partial summary judgment on complaint of Ilya Guralnik" ("opposition") approximately one month before defendant filed its motion.*fn2 (emphasis in original). As Mr. Guralnik is a pro se litigant, and this document responds to some of the arguments raised by defendants, I have considered it in ruling on defendant's motion.
On January 14, 2003, plaintiffs, proceeding pro se, filed a complaint against defendant MBNA and Does 1-10 in California Superior Court. On September 9, 2004, they filed an amended complaint alleging state law claims for (1) negligence, (2) infliction of emotional distress, (3) breach of contract, (4) breach of fiduciary duty, and (5) fraud, misrepresentation and dealing in bad faith with customers. All five claims arise out of an alleged transfer of funds related to a credit card account that Nina Guralnik and Arkady Kitover entered into with defendant. Plaintiffs did not effect service of process on MBNA until September 28, 2004.*fn3 MBNA removed the case to this court and moved to compel arbitration of plaintiff's claims. On May 5, 2005, I granted defendant's motion to compel arbitration with respect to the claims of Nina Guralnik and Arkady Kitover and denied the motion as to Ilya Guralnik as there was no evidence that he had ever entered into an arbitration agreement with MBNA. Defendant now seeks summary judgment with respect to all the claims of the remaining plaintiff, Ilya Guralnik.
No genuine issue of material fact exists as to Ilya Guralnik's first claim for negligence. To prevail on a negligence claim, a plaintiff must establish that the defendant owed him a duty of care. See Friedman v. Merck & Co., 107 Cal. App. 4th 454, 463 (2003). As this Court has previously noted, "Under California law, except in very limited circumstances banks do not owe a duty to noncustomers." Davis v. Md. Bank, N.A., No. 00-04191 SBA, 2002 WL 32713429, at *6 (N.D. Cal. June 19, 2002) (citing Chazen v. Centennial Bank, 61 Cal. App. 4th 532, 543-45 (1998); Software Design and Application, Ltd. v. Hoefer & Arnett, Inc., 49 Cal. App. 4th 472, 479, 482-83 (1996)). The duty owed by the bank is an implied term of the contract. Id. (citing Chazen, 61 Cal. App. 4th at 543). "Thus, because an account agreement is not intended to benefit third parties unknown to the bank, a third party cannot allege a claim for negligence or breach of contract against a bank." Id. (citing Chazen, 61 Cal. App. 4th at 543-45; Software Design, 49 Cal. App. 4th at 482-83).
The account that gave rise to the claims in this lawsuit was issued solely in the name of Nina Guralnik and Arkady Kitover, and Ilya Guralnik was not a member on the account.*fn4
See Decl. of Margret Simpkins in Supp. of MBNA America Bank, N.A.'s Mot. for Summ J., or in the Alternative Partial Summ. J. on Compl. of Ilya Guralnik ¶¶ 3-5, 7-10, 12; Exs. A, B. As a third party noncustomer, Mr. Guralnik may not maintain a negligence claim based on the account at issue in this case. See Davis, 2002 WL 32713429, at *6. Mr. Guralnik has failed to establish that MBNA otherwise owed him a duty of care under California law, and he has presented insufficient evidence to support any of the other elements of his negligence claim. See Friedman, 107 Cal. App. 4th at 463. Defendant's motion for summary judgment on Mr. Guralnik's first claim is therefore GRANTED.
Although it is not entirely clear whether Mr. Guralnik's second claim for "infliction of emotional distress" alleges a claim for intentional or negligent infliction of emotional distress, he has presented insufficient evidence to support either claim. Under California law, the elements of a claim for intentional infliction of emotional distress are: (1) extreme and outrageous conduct by the defendant with the intention of causing, or reckless disregard of the probability of causing, emotional distress; (2) the plaintiff's suffering severe or extreme emotional distress; and (3) actual and proximate causation of the emotional distress by the defendant's outrageous conduct. Cervantez v. J.C. Penney Co., 24 Cal.3d 579, 593 (1979); Ess v. Eskaton Properties, Inc., 97 Cal. App. 4th 120, 129 (2002). Mr. Guralnik has presented no evidence that defendant engaged in extreme and outrageous conduct or that he suffered severe or extreme emotional distress as a result of such conduct.
California law only authorizes emotional distress damages for negligent infliction of emotional distress in cases of physical injury. See Branch v. Homefed Bank, 6 Cal. App. 4th 793, 800 (1992). Plaintiff has presented no evidence that he suffered physical injury. I therefore find that no genuine issue of material fact exists with respect to Mr. Guralnik's second claim for infliction of emotional distress, and MBNA's motion for summary judgment on this claim is GRANTED Mr. Guralnik has failed to raise a triable issue of material fact with respect to his third claim for breach of contract. He has presented inadequate evidence to establish that he was either a party to the contract between Nina Guralnik, Arkady Kitover, and MBNA, which gave rise to the claims in this lawsuit, see Davis, 2002 WL 32713429, at *6, or that it was made expressly for his benefit. See Cal. Civ. Code § 1559. And he has presented no evidence that he entered into any other contract with MBNA. See Reichert v. Gen. Ins. Co., 68 Cal. 2d 822, 830 (1968) (noting that the existence of a valid contract is a required element of a valid breach of contract claim); Armstrong Petroleum Corp. v. Tri-Valley Oil & Gas Co., 116 Cal. App. 4th 1375, 1391 (2004) (same). Defendant's motion for summary judgment on Mr. Guralnik's third claim is therefore GRANTED.
No genuine issue of material fact exists with respect to Mr. Guralnik's fourth claim for breach of fiduciary duty. To maintain a claim for a breach of fiduciary duty, a plaintiff must demonstrate that a fiduciary duty exists. See Mosier v. Southern Cal. Physicians Ins. Exch., 63 Cal. App. 4th 1022, 1044 (1998). In order for a fiduciary duty to exist, a person "must either knowingly undertake to act on behalf of or for the benefit of another or must enter into a relationship which imposes that understanding as a matter of law." Comm. on Children's Television, Inc. v. Gen. Foods Corp., 35 Cal. 3d 197, 221 (1983). Mr. Guralnik has not shown that MBNA ever undertook to act on his behalf for any purpose. Nor has he presented sufficient evidence to show that a fiduciary relationship existed between him and MBNA. Defendant's motion for summary judgment on his fourth claim is therefore GRANTED.
Plaintiff's fifth claim for "fraud, misrepresentation and dealing in bad faith with customers" alleges that defendant committed fraud by mailing correspondence stating that plaintiffs' credit line was $23,500, and plaintiffs relied on this information in undertaking certain transactions that did not go through.*fn5 See Compl. ¶¶ 34-37. The parties dispute whether MBNA ever communicated with Mr. Guralnik. However, even if MBNA did communicate with Mr. Guralnik, he has not shown that MBNA made any representations to him, nor has he demonstrated that any of the representations allegedly made by MBNA were false. See Seeger v. Odell, 18 Cal. 2d 409, 414 (1941); City of Atascadero v. Merrill Lynch, Pierce, Fenner & Smith, Inc., 68 Cal. App. 4th 445, 481 (1998) (citations omitted). He has also failed to present sufficient evidence to support any of the other elements of this claim. See Seeger, 18 Cal. 2d at 414; City of Atascadero, 68 Cal. App. 4th at 481. Based on the evidence presented, I find that no reasonable juror could conclude that defendant engaged in fraud or misrepresentation with respect to Mr. Guralnik, and defendant's motion for summary judgment with respect to this claim is GRANTED.
For the foregoing reasons, defendant's motion for summary judgment with respect to all claims of Ilya Guralnik is GRANTED. As I find no need for oral argument on this motion, the hearing scheduled for September 7, 2005 is vacated.