MEMORANDUM **

Paula J. Terrell appeals pro se from the district court’s judgment dismissing her *364 action alleging federal and state law claims stemming from the servicing of her mortgage. We have jurisdiction under 28 U.S.C. § 1291. We review for an abuse of discretion the denial of a motion for leave to amend. Cervantes v. Countrywide Home Loans, Inc., 656 F.3d 1034, 1041 (9th Cir. 2011). We affirm.

The district court properly denied Terrell’s motion for leave to file an amended complaint because amendment was futile. See Johnson v. Mammoth Recreations, Inc., 975 F.2d 604, 607 (9th Cir. 1992) (“[Ljeave to amend should be granted unless amendment would cause prejudice to the opposing party, is sought in bad faith, is futile, or creates undue delay”); see also Bell Atl Corp. v. Twombly, 550 U.S. 544, 555, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007) (plaintiffs complaint must set forth “more than labels and conclusions, and a formulaic recitation of the elements of a cause of action will not do”).

We reject as without merit Terrell’s contention that her action should have been dismissed without prejudice.

We do not consider matters not specifically and distinctly raised and argued in the opening brief, including the district court’s underlying dismissal of the action. See Padgett v. Wright, 587 F.3d 983, 985 n.2 (9th Cir. 2009).

AFFIRMED.