No. 07-55065

479 F.3d 1143 Melodie McATEE, individually and on behalf of all others similarly situated, Plaintiff-Appellee, v. CAPITAL ONE, F.S.B., a Foreign Corporation; Capital One Services, a Foreign Corporation; Capital One Financial Corporation, a Foreign Corporation; Capital One Bank, a Foreign Corporation, Defendants-Appellants, and John Does, 1 Through 20, Inclusive Defendant. No. 07-55065. United States Court of Appeals, Ninth Circuit. Argued and Submitted March 14, 2007. Filed March 16, 2007. James R. McGuire, Dean J. Zipser, Morrison & Foerster, Irvine, CA, for the appellants. Anthony A. Ferrigno, San Clemente, CA; David J. Franklin, Franklin & Franklin, San Diego, CA, for the appellee. Appeal from the United States District Court for the Central District of California; Cormac J. Carney, District Judge, Presiding. D.C. No. CV-06-00709-CJC. Before HUG, BRUNETTI, and W. FLETCHER, Circuit Judges. WILLIAM A. FLETCHER, Circuit Judge. 1 Melodie McAtee, a California citizen, was the substituted plaintiff in an amended complaint filed in California state court before the effective date of the Class Action Fairness Act of 2005 ("CAFA"), Pub.L. No. 109-2, 119 Stat. 4 (2005) (codified…