Archie T. Edwards; Patricia L. Edwards v. Caliber Home Loans, Inc.;

NOT FOR PUBLICATION
UNITED STATES COURT OF APPEALS
FOR THE NINTH CIRCUIT
ARCHIE T. EDWARDS; PATRICIA L.
EDWARDS,
Plaintiffs-Appellants,
v.
CALIBER HOME LOANS, INC.; et al.,
Defendants-Appellees.
No. 17-35535
D.C. No. 2:16-cv-01466-JCC
MEMORANDUM*
Appeal from the United States District Court
for the Western District of Washington
John C. Coughenour, District Judge, Presiding
Submitted December 18, 2017**
Before: WALLACE, SILVERMAN, and BYBEE, Circuit Judges.
Archie T. Edwards and Patricia L. Edwards appeal pro se from the district
court’s order dismissing their diversity action arising from foreclosure
proceedings. We have jurisdiction under 28 U.S.C. § 1291. We review de novo a
dismissal under Fed. R. Civ. P. 12(b)(6). Knievel v. ESPN, 393 F.3d 1068, 1071-
* This disposition is not appropriate for publication and is not precedent
except as provided by Ninth Circuit Rule 36-3.
** The panel unanimously concludes this case is suitable for decision
without oral argument. See Fed. R. App. P. 34(a)(2).
FILED
JAN 3 2018
MOLLY C. DWYER, CLERK
U.S. COURT OF APPEALS

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72 (9th Cir. 2005). We affirm.
The district court properly dismissed plaintiffs’ claim under the Washington
Consumer Protection Act (“WCPA”) because plaintiffs failed to allege facts
sufficient to show that defendants engaged in an unfair or deceptive act that caused
plaintiffs’ injury. See Bavand v. OneWest Bank, 385 P.3d 233, 247-48 (Wash. Ct.
App. 2016) (setting forth elements for challenges under the WCPA).
The district court properly dismissed plaintiffs’ claim for “lack of standing
to foreclose” because plaintiffs failed to allege facts sufficient to show that
defendant U.S. Bank Trust, N.A. was not authorized to foreclose. See Bain v.
Metro. Mortg. Grp., Inc., 285 P.3d 34, 41-42, 45 (Wash. 2012) (en banc)
(discussing the definition of a “beneficiary” under Wash. Rev. Code.
§ 61.24.005(2) and that Mortgage Electronic Registration Systems, Inc. may act as
a beneficiary’s agent); see also Ashcroft v. Iqbal, 556 U.S. 662, 677-78 (2009)
(explaining that “[a] pleading that offers labels and conclusions” or “naked
assertions devoid of further factual enhancement” is insufficient to survive a
motion to dismiss (citation and internal quotation marks omitted)).
We do not consider matters not specifically and distinctly raised and argued
in the opening brief. See Padgett v. Wright, 587 F.3d 983, 985 n.2 (9th Cir. 2009).

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AFFIRMED.

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