Yesenia Ochoa v. Washington Federal Inc. d/b/a WaFd Bank

District Court, D. Arizona·Decided August 14, 2026·No. 4:26-cv-00242·Unknown

Opinion

WO

Yesenia Ochoa, No. CV-26-00242-TUC-JCH

Plaintiff, ORDER SCREENING COMPLAINT

v.

Washington Federal Inc. d/b/a WaFd Bank,

Defendant. Before the Court is pro se Plaintiff Yesenia Ochoa’s Complaint alleging violations of Title VII of the Civil Rights Act of 1964 (“Title VII”) (Doc. 1). Plaintiff also filed an Application to Proceed In District Court Without Prepaying Fees or Costs (“Application”) (Doc. 2). For the following reasons, the Court will grant the Application and dismiss the Complaint without prejudice. I. Application to Proceed In District Court Without Prepaying Fees and Costs Plaintiff’s Application states she cannot pay the costs associated with this action because she has three minor children, is currently unemployed and actively seeking employment, and has limited financial resources to cover her basic costs of living. Doc. 2 at 2–3, 5. Plaintiff’s Application contains several inconsistencies. For example, she lists no average monthly income during the past 12 months, even though she remained employed with Defendant until August 1, 2025. Id. at 1–2. She also includes a monthly expense for motor vehicle insurance but does not list a vehicle as an asset. Id. at 3–4. Still, given Plaintiff’s financial obligations and unemployment, the Court is satisfied Plaintiff has insufficient funds to pay the filing fee. Good cause appearing, the Court will grant the Application. II. Statutory Screening of In Forma Pauperis Complaints Under 28 U.S.C. § 1915(e)(2), in a case in which a plaintiff has been granted in forma pauperis status, the court must screen the Complaint and dismiss the case “if the court determines that . . . (B) the action . . . (i) is frivolous or malicious; (ii) fails to state a claim on which relief may be granted; or (iii) seeks monetary relief against a defendant who is immune from such relief.” A pleading must contain a “short and plain statement of the claim showing that the pleader is entitled to relief.” Fed. R. Civ. P. 8(a)(2). While Rule 8 does not demand detailed factual allegations, “it demands more than an unadorned, the-defendant-unlawfully- harmed-me accusation.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009). “[A] complaint must contain sufficient factual matter, accepted as true, to ‘state a claim to relief that is plausible on its face.’” Iqbal, 556 U.S. at 678 (quoting Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 570 (2007)). A claim is plausible “when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Id. In determining whether a complaint has stated a claim, a “complaint [filed by a pro se litigant] ‘must be held to less stringent standards than formal pleadings drafted by lawyers.’” Hebbe v. Pliler, 627 F.3d 338, 342 (9th Cir. 2010) (quoting Erickson v. Pardus, 551 U.S. 89, 94 (2007) (per curiam)). If the Court determines a complaint could be cured by the allegation of additional facts, a pro se litigant is entitled to an opportunity to amend that complaint before dismissal of the action. See Lopez v. Smith, 203 F.3d 1122, 1127–29 (9th Cir. 2000) (en banc). III. Complaint Plaintiff’s claims all arise under Title VII of the Civil Rights Act of 1964, 42 U.S.C. § 2000e et seq. The Complaint alleges the following facts: /// On June 16, 2025, Plaintiff reported discriminatory conduct that occurred while she was an employee at Washington Federal Inc. d/b/a WaFd Bank (“Bank”). Doc. 1 ¶ 8. The Complaint alleges a single incident of discrimination “involving a Spanish-speaking client” where Plaintiff’s coworker asked, “Why don’t you speak English?” in a hostile tone. Id. ¶¶ 8–9. Plaintiff understood this comment to be discrimination based on national origin. Id. ¶ 10. After reporting the conduct, Plaintiff began experiencing “retaliation and a hostile work environment” and at some point requested a transfer, but no action was taken. Id. ¶¶ 12–13. Plaintiff subsequently sought medical care and was diagnosed with anxiety. Id. ¶ 14. Plaintiff alleges that on August 1, 2025, she was forced to resign from her position with the Bank due to “ongoing conditions.” Id. ¶ 15. A. Retaliation Count I of the Complaint alleges retaliation. Under Title VII, a claim of retaliation requires a showing that “(1) [the plaintiff] was engaged in a protected activity; (2) [s]he was thereafter subjected by [her] employer to an adverse employment action; and (3) a causal link exists between the protected activity and the adverse employment action.” Wallis v. J.R. Simplot Co., 26 F.3d 885, 891 (9th Cir. 1994) (citing Yartzoff v. Thomas, 809 F.2d 1371, 1375 (9th Cir. 1987)). First, Plaintiff has asserted she was engaged in a protected activity. Title VII prohibits discrimination against an employee because she opposed any unlawful employment practice covered by Title VII. 42 U.S.C. § 2000e-3(a). Plaintiff asserts she reported the alleged discriminatory conduct on June 16, 2025. Doc. 1 ¶ 8. Second, Plaintiff has asserted she was subjected to an adverse employment decision. An adverse employment decision is an action that materially affects “compensation, terms, conditions, or privileges of employment.” 42 U.S.C. § 2000e-2(a)(1). Under Title VII, a constructive discharge is “tantamount to an actual discharge,” so it constitutes an adverse employment action. See Green v. Brennan, 578 U.S. 547, 555 (2016). Plaintiff asserts that although she was not fired, she was forced to resign on August 1, 2025, and was thus subject to a constructive discharge. See Doc. 1 at 1–2. Third, Plaintiff has not asserted a causal link between the protected activity and adverse employment action. A causal link is one that establishes the “protected activity was a but-for cause of the alleged adverse action by the employer.” Univ. of Tex. Sw. Med. Ctr. v. Nassar, 570 U.S. 338, 362 (2013). Plaintiff does not explain what the ongoing conditions were that forced her to resign. Similarly, Plaintiff does not state who took retaliatory actions against her or how those actions were connected to the presumably discriminatory incident with her unnamed coworker. Although there is temporal proximity between Plaintiff’s first report of discriminatory conduct on June 16, 2025, and her resignation on August 1, 2025, temporal proximity between the protected activity and the adverse employment action alone is not sufficient to establish a causal link. See Porter v. Cal. Dep’t of Corr., 419 F.3d 885, 895 (9th Cir. 2005). Plaintiff fails to plead additional facts that allow this Court to reasonably infer a connection between the protected activity and the adverse employment conditions. See Iqbal, 556 U.S. at 678 (2009) (“Threadbare recitals of the elements of a cause of action, supported by mere conclusory statements, do not suffice [to state a claim].”). B. National Origin Discrimination Count II of the

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Yesenia Ochoa v. Washington Federal Inc. d/b/a WaFd Bank, (D. Ariz. 2026).

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