G. Mark Seals appeals the dismissal of his civil action alleging violations of the Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C. §§ 1692-16920 (2000), and the West Virginia Consumer Credit Protection Act (“WVCCPA”), W. Va.Code § 46A-2-125 (1999). We have reviewed the record and the district court’s memorandum opinions and orders granting Defendants’ motions to dismiss and find no reversible error. Accordingly, we affirm for the reasons stated by the district court. See Seals v. National Student Loan Program, No. CA-02-101-5 (N.D.W. Va. Oct. 8, 2003; Aug. 16, 2004). We dispense with oral argument because the facts and legal contentions are adequately presented in the materials before the court and argument would not aid the decisional process.

AFFIRMED