GLD
- 088 NOT PRECEDENTIAL
UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT

___________ No. 10

- 3582

___________ GEORGE E. RAY , Appellant

v. FIRST NATIONAL BANK OF OMAHA; J.P. MORGAN CHASE

NATIONAL BANK; AND WELLS FARGO

______ ______________________________ On Appeal from the United States District Court for the Eastern District of Pennsylvania (D.C. Civil No. 09

- cv - 02845 ) District Judge: Honorable Stewart Dalzell

____________________________________ Submitted for Poss ible S ummary Action Pursuant to Third Circuit LAR 27.4 and I.O.P. 10.6

January 13, 2011 Before: AMBRO, CHAGARES and NYGAARD , Circuit Judges

(Opinion filed February 11, 2011 )

_________ OPINION

_________ PER CURIAM George Ray, proceeding pro se, appeals the Distri ct Court’s order dismissing his complaint. Because the appeal does not present a substantial question, we will summarily affirm.2 I. Ray , who was granted leave to proceed in forma pauperis , filed a complaint against First National Bank o f Omaha , J.P. Morg an Chase National Bank , a nd Wells Fargo in 2009 . He alleged that the Defendants violated the Patriot Act 1 and committed
fraud on him and the Internal Revenue Service by classif ying his accounts as “bad debts”
and s elling them to collection agencies

. He s ought $ 9 million in damages. 2 The Defendants filed motions to dismiss to the complaint. Because Ray mailed his response to the motions directly to chambers, the District Judge issued an order directing the Clerk to docket the response. Ray appealed fro m that order . Consequently , t he District Court issued an order denying the Defendants’ motions without prejudice and directing the case to be transferred to the court’s civil suspense docket pending the outcome of Ray’s appeal. After this Court dismissed Ray’s appeal for lack of jurisdiction, the District Court ordered that the case be transferred back to the active
docket and dismissed it pursuant to 28 U.S.C. § 1915(e)(2)(B) (ii) for “fail[ure] to state a claim on which relief may be granted.”

1 Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (U SA Patriot Act) Act of 2001, Pub. L. No. 107

- 56, 115 Stat. 272 (2001).

2 Ray previously filed a similar complaint against First National Bank of Omaha and Global Acceptance Credit Company, L.P., in which he alleged that he became unable to pay a debt to t he bank because of a disabling injury, and the bank took a tax deduction for the amount of the “bad debt,” thereby being “made whole,” and then sold the debt to the collection agency. He contended that this sale of the account constituted fraud. See Comp laint, Ray v. Bank of Omaha , et al., No. 08

- cv - 03222 (E.D. Pa. Jul. 16, 2008). The District Court dismissed the complaint for failure to state a claim, concluding that Ray3 II.
We ha ve jurisdiction over this appeal pursuant to 28 U.S.C. § 1291. We exercise plenary review of the District Court’s sua sponte dismissal of the complaint for failure to
state a claim , and we must accept as true the allegations of fact in Ray’s complaint and all
reasonable inferences drawn therefrom

. Allah v. Seiverling , 229 F.3d 220, 223 (3 d Cir. 2000). If no substantial question is presented by this appeal, w e may summarily affirm the District Court’s order on any ground supported by the record. See 3d C ir. L.A.R. 27.4; IOP 10.6 ; Tourscher v. McCullough , 184 F.3d 236, 240 (3d Cir. 1999).
The District Court discerned two claims in Ray’s complaint: that (1) he and the Internal Revenue Service were defrauded by the Defendants’ sale of his accounts to
colle ction agencies after being “reimbursed by the I.R.S,” see Complaint at 2, Ray v. First National Bank of Omaha, et al., No. 09

- cv - 02845 (E.D. Pa. June 29 , 2009), and (2) the Defendants violated the Patriot Act by selling his personal data (birthdate,
social security number, etc.) as part of the sale of the accounts. Even reading the complaint liberally, the District Court could not find either claim legally cognizable because Ray “provided almost no specific facts regarding the events that led him to file
h is Complaint.” See Order, Ray v. First National Bank of Omaha, et al., No. 09

- cv 02845 (E.D. Pa. Aug. 13, 20 1 0)

. W e likewise fail to see anything more than blanket assertions of entitlement for
relief , which are insufficient to sustain the complaint

. A complaint must provide “enough

was not a party to the allegedly fraudulent sale and therefore was entitled to no r emedy. See Order , Ray v. Bank of Omaha , et al., No. 08

- cv - 03222 (E.D. Pa. Aug . 1 9 , 2008).4

facts to state a claim to relief that is plausible on its face

. ” See Bell Atl. Corp. v. Twombly , 550 U.S. 544, 5 70 (2007)

. While “detailed factual allegations” are not necessary, a plaintiff ’s obligation to provide the gro unds upon which his claim rests “requires more than labels and conclusions.” Id. at 555.
The deficiencies in Ray’s complaint are many

. For example , he asserts that the
Defendants committed fraud on the Internal Revenue Service by taking a tax deduction for the bad debt, but does not connect this allegation to any elements of a cause of action. Twombly , 550 U.S. at 555 (“[f]actual allegations must be enough to raise a right to relief above the speculative level”). Furthermore, he alleges no particulariz ed injury to him self from the alleged fraud upon the Internal Revenue Service , nor does he otherwise identify how he may bring an action on behalf of the agency. See e.g. , Lujan v. Defenders of
Wildlife , 504 U.S. 555 , 560

- 61 (19 92 ) (one of the elements of constitutio nal standing to bring suit is a concrete injury personal to the plaintiff)

. Ray’s allegations also fail to suggest how the Defendants’ sale of his debt accounts to collection agencies constitutes a fraud against him when he was not a party to
the transaction. Without being able to ascertain from the complaint what theory of fraud Ray envisions , we simply note that he doe s not allege that the Defendants made any misrepresentation to him , that he relied on it to his detriment, or that he persona lly was injured by the ir conduct. See , e.g. , EBC, Inc. v. Clark Bldg. Sys., Inc. , 618 F.3d 253,
2 75

- 76 (3d Cir. 2010) ( setting forth elements of fraudulent inducement under Pennsylvania law ). As for his assertion that the sale violated the Patriot Act, R ay does not identify what section of the act was violated or explain how he may bring a private5

action to enforce it. Furthermore, courts that have considered the question have concluded that the Patriot Act does not provide for a private right of action for its
enforcement. See , e.g. , Hanninen v. Fedoravitch , 583 F. Supp. 2d 3 22 , 3 26 (D. Conn. 2008); Med. Supply Chain, Inc. v. Neoforma, Inc. , 419 F. Supp. 2d 1316, 1330 (D. Kan. 2006). Accordingly, w e agree that Ray’s complaint does not state a claim on which relief may be granted

. 3
A district court should not dismiss a pro se complaint without allowing the plaintiff an opportunity to amend his complaint unless an amendment would be inequitable or futile

. See Alston v. P arker , 363 F.3d 229, 235 (3d C ir. 2004). As it appears that amendment would be futile, for the reasons expressed in the previous paragraph, we conclude that the District Court did not err by declini ng to afford Ray
leave to amend. There being no substantial question presented by Ray’ s appeal , we will summarily affirm the District Court’s order. See 3d Cir. L.A.R. 27.4; IOP 10.6. We deny Ray’s motion to compel an answer
.

3 In his written submission on appeal, Ray does not address the District Court’s order other than to say the court “disregarded” the facts he presented. He perhaps misunderstands the court’s decision: the few facts in the complaint were considered and found insufficient. Ray also argues that he was entitled to a default judgment before the dismissal because the Defendants did not answer his complaint. He was not. First, Ray did not request that a default be entered. See Fed. R. Civ. P. 55(a). Second, the manner in which the case proceeded did not require the Defendants to file an answer before the complaint was dismissed.