Starla Pacini; Maria Sanchez; Alba Penagos; Hector Penagos v. Bank of America Na

NOT FOR PUBLICATION
UNITED STATES COURT OF APPEALS
FOR THE NINTH CIRCUIT
STARLA PACINI; MARIA SANCHEZ;
ALBA PENAGOS; HECTOR PENAGOS,
Plaintiffs - Appellants,
v.
BANK OF AMERICA NA,
Defendant - Appellee,
and
INTERSECTIONS INSURANCE
SERVICES, INC.,
Defendant.
No. 12-57038
D.C. No. 2:12-cv-06859-R-E
MEMORANDUM*
STARLA PACINI; MARIA SANCHEZ;
ALBA PENAGOS; HECTOR PENAGOS,
Plaintiffs - Appellants,
v.
BANK OF AMERICA NA,
No. 12-57039
D.C. No. 2:12-cv-06859-R-E
FILED
JUL 24 2014
MOLLY C. DWYER, CLERK
U.S. COURT OF APPEALS
* This disposition is not appropriate for publication and is not precedent
except as provided by Ninth Circuit Rule 36-3.

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Defendant,
and
INTERSECTIONS INSURANCE
SERVICES, INC.,
Defendant - Appellee.
Appeal from the United States District Court
for the Central District of California
Manuel L. Real, District Judge, Presiding
Argued and Submitted July 10, 2014
Pasadena, California
Before: SILVERMAN, TALLMAN, and RAWLINSON, Circuit Judges.
Starla Pacini, Maria Sanchez, Alba Penagos, and Hector Penagos
(collectively, Plaintiffs) appeal from the dismissal of a nationwide putative class
action alleging that Bank of America, N.A. (BOA) and Intersections Insurance
Services, Inc. (IIS) enrolled Plaintiffs and other BOA customers in the Smart-Step
Accidental Death Insurance Program and deducted automatic payments from their
accounts without express and informed written consent.
Although the district court dismissed the case on the basis of comity, “[w]e
may affirm the district court’s judgment on any ground supported by the record.”
In re Zynga Privacy Litig., 750 F.3d 1098, 1103 (9th Cir. 2014) (citation omitted).
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We affirm the dismissal of Plaintiffs’ complaint because the complaint fails to state
a plausible claim for relief by asserting the specifics of the insurance enrollment
and automatic payment deductions. See Ashcroft v. Iqbal, 556 U.S. 662, 678
(2009); see also Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 570 (2007). The
complaint also fails to plead fraud-based claims with the required particularity,
thereby defeating Plaintiffs’ asserted causes of action for fraud and for RICO
violations. See Reese v. Malone, 747 F.3d 557, 568 (9th Cir. 2014); see also
Sanford v. MemberWorks, Inc., 625 F.3d 550, 557-58 (9th Cir. 2010).
Counsel for Plaintiffs in this case have now attempted, unsuccessfully, to
plead the same set of facts three times in actions against BOA and IIS – twice on
behalf of Jerome White, see White v. Bank of America, N.A., Case 2:12-cv-
06859-R-E (C.D. Cal. 2012), and once in this case. Another team of lawyers
likewise tried, and failed, to plead this case on behalf of Jorge Gonzalez, see
Gonzalez v. Bank of America Ins. Svcs., Inc., 454 F. App’x 295 (5th Cir. 2011).
Therefore, dismissal with prejudice was not an abuse of discretion because this
record demonstrates that another opportunity to amend would be futile. See Airs
Aromatics, LLC v. Opinion Victoria's Secret Stores Brand Mgmt., Inc., 744 F.3d
595, 600 (9th Cir. 2014).
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Notwithstanding our affirmance, we again caution district court judges to
thoroughly review orders submitted by counsel to avoid the inclusion of rulings not
contemplated by the court. See Living Designs, Inc. v. E.I. Dupont de Nemours &
Co., 431 F.3d 353, 373 (9th Cir. 2005) (“Although adopting findings or an order
drafted by the parties is not prohibited, we have criticized district courts that
engaged in the regrettable practice of adopting the findings drafted by the
prevailing party wholesale.”) (citation and internal quotation marks omitted).
AFFIRMED.
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