Sandra Rantz-Kennedy v. Discover Financial Services, No. 13-1814 (4th Cir. 2013)

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UNPUBLISHED UNITED STATES COURT OF APPEALS FOR THE FOURTH CIRCUIT No. 13-1814 SANDRA D. RANTZ-KENNEDY, Plaintiff Appellant, v. DISCOVER FINANCIAL SERVICES, Defendant -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 Affirmed by unpublished per curiam opinion.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. BALLARD SPAHR, LLP, Baltimore, Maryland, for Appellee. Scott, Unpublished opinions are not binding precedent in this circuit. 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. 12(b)(6). failure Fed. R. Civ. P. We review de novo a district court s dismissal for 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, (identifying standard for stating a claim). 555, 570 (2007) 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 contentions with are oral argument adequately because presented in the facts and the materials legal before this court and argument would not aid the decisional process. AFFIRMED 2

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