Robert Hill v. SCA Credit Services, Inc
Filing
UNPUBLISHED PER CURIAM OPINION filed. Originating case number: 5:14-cv-29565 Copies to all parties and the district court/agency. [999696496].. [15-1554]
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UNPUBLISHED
UNITED STATES COURT OF APPEALS
FOR THE FOURTH CIRCUIT
No. 15-1554
ROBERT HILL; MARY HILL, his wife, Individually
behalf of all others similarly situated,
and
on
Plaintiffs - Appellants,
v.
SCA CREDIT SERVICES, INC.,
Defendant - Appellee.
Appeal from the United States District Court for the Southern
District of West Virginia, at Beckley.
Irene C. Berger,
District Judge. (5:14-cv-29565)
Submitted:
October 19, 2015
Decided:
November 10, 2015
Before WILKINSON, KING, and FLOYD, Circuit Judges.
Affirmed by unpublished per curiam opinion.
Ralph C. Young, Jed R. Nolan, HAMILTON, BURGESS, YOUNG &
POLLARD, PLLC, Fayetteville, West Virginia; Troy N. Giatras, THE
GIATRAS
LAW
FIRM,
PLLC,
Charleston,
West
Virginia,
for
Appellants.
Paul C. Kuhnel, Kevin P. Oddo, John T. Jessee,
Joseph M. Rainsbury, LECLAIR RYAN, PC, Roanoke, Virginia, for
Appellee.
Unpublished opinions are not binding precedent in this circuit.
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PER CURIAM:
Robert Hill and Mary Hill appeal from the district court’s
order granting Defendant’s Fed. R. Civ. P. 12(b)(6) motion and
dismissing their amended class action complaint for failure to
state a claim, confining their appeal to the district court’s
dismissal
of
their
claims
alleging
violations
of
the
West
Virginia Consumer Credit and Protection Act (WVCCPA), see W. Va.
Code
Ann.
§§ 46A-1-101
to
46A-8-102
(LexisNexis
2015).
We affirm.
We review a district court’s dismissal under Rule 12(b)(6)
for
failure
to
state
a
claim
de
novo,
“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).
survive
“To
a
motion
to
dismiss
pursuant
to
Rule
12(b)(6), plaintiffs’ ‘[f]actual allegations must be enough to
raise a right to relief above the speculative level,’ thereby
‘nudg[ing]
their
plausible.’”
claims
across
the
line
from
conceivable
to
Id. (quoting Bell Atl. Corp. v. Twombly, 550 U.S.
544, 555 (2007)).
Although we “must accept the truthfulness of
all factual allegations” in the complaint, Burnette v. Fahey,
687 F.3d 171, 180 (4th Cir. 2012), statements of bare legal
conclusions
“are
not
entitled
to
the
assumption
Ashcroft v. Iqbal, 556 U.S. 662, 679 (2009).
conclusions
the
plaintiffs
draw
2
from
the
of
truth.”
We will accept the
facts
“only
to
the
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extent they are plausible based on the factual allegations.”
Burnette,
court,
687
we
F.3d
may
at
180.
consider
Additionally,
documents
attached
like
to
the
the
district
complaint.
Sec’y of State for Defence v. Trimble Navigation Ltd., 484 F.3d
700, 705 (4th Cir. 2007).
Where a conflict exists between “the
bare allegations of the complaint” and any attached exhibit,
“the
exhibit
prevails.”
Fayetteville
Inv’rs
v.
Commercial
Builders, Inc., 936 F.2d 1462, 1465 (4th Cir. 1991).
We
conclude
after
review
of
the
amended
class
action
complaint, the letters attached thereto, and the parties’ briefs
that the district court did not reversibly err in dismissing the
complaint.
The
Hills
did
not
articulate
facts
that,
when
accepted as true, demonstrate plausible claims for relief under
the
WVCCPA.
See
W.
Va.
Code
Ann.
§§ 46A-2-124, -125, -127, -128, & 46A-6-102(7)(M); Chevy Chase
Bank v. McCamant, 512 S.E.2d 217, 225 (W. Va. 1998); Orlando v.
Fin. One of W. Va., Inc., 369 S.E.2d 882, 885 (W. Va. 1988).
Accordingly, we affirm the district court’s order.
Credit
Servs.,
Inc.,
No.
5:14-cv-29565
(S.D.W.
Hill v. SCA
Va.
Apr.
22,
2015).
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
3
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