UNPUBLISHED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Affirmed by unpublished per curiam opinion.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Unpublished opinions are not binding precedent in this circuit. 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.,

(4th Cir. 2011); see

Bell Atl. Corp. v. Twombly,

(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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