Sandra D. Rantz-Kennedy v. Discover Financial Services

UNPUBLISHED
UNITED STATES COURT OF APPEALS
FOR THE FOURTH CIRCUIT
No. 13-1814
SANDRA D. RANTZ-KENNEDY,
Plaintiff – Appellant,
v.
DISCOVER FINANCIAL SERVICES,
Defendant - Appellee.
Appeal from the United States District Court for the District of
Maryland, at Baltimore. Catherine C. Blake, District Judge.
(1:12-cv-02853-CCB)
Submitted: October 22, 2013 Decided: October 24, 2013
Before WILKINSON, NIEMEYER, and THACKER, Circuit Judges.
Affirmed by unpublished per curiam opinion.
Sandra D. Rantz-Kennedy, Appellant Pro Se. Robert A. Scott,
BALLARD SPAHR, LLP, Baltimore, Maryland, for Appellee.
Unpublished opinions are not binding precedent in this circuit.

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PER CURIAM:
Sandra Rantz-Kennedy appeals the district court’s
order granting the Defendant’s motion to dismiss Rantz-Kennedy’s
civil complaint for failure to state a claim. Fed. R. Civ. P.
12(b)(6). We review de novo a district court’s dismissal for
failure to state a claim, “assuming all well-pleaded,
nonconclusory factual allegations in the complaint to be true.”
Aziz v. Alcolac, Inc., 658 F.3d 388, 391 (4th Cir. 2011); see
Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555, 570 (2007)
(identifying standard for stating a claim). Having done so, we
affirm the judgment of the district court, agreeing that each of
Rantz-Kennedy’s claims is either factually or legally deficient.
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

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