Court of Appeals for the Sixth Circuit September 3, 2002, 00-4213 (Sharon R. Pfennig v. Household Credit Services, Inc., and Mbna America Bank, N.A.)

*525AMENDED OPINION

CLAY, Circuit Judge.

Plaintiff, Sharon R. Pfennig, appeals from the district court’s September 1, 2000 order dismissing her complaint in which she seeks to bring a class action against Defendants, Household Credit Services, Inc. (“Household”) and MBNA America Bank, N.A. (“MBNA”), for alleged violations of the federal Truth in Lending Act (“TILA” or “Act”), 15 U.S.C.