Declaration CCP 585Cal. Super. - 6th Dist.November 23, 2020Electronically Filed by Superior Court of CA, County of Santa Clara, on 6/2/2021 10:53 AM Reviewed By: D Harris Case #20CV373901 Envelope: 6562468 20CV373901 Santa Clara - Civil D Harris A 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26. 27 _ . 28 . flow Adam Brumage, SBN 283 1 80 Maria Bradish, SBN 288384 Don Phan-Huy, SBN 309853 Ryota Isozaki, SBN 321040 Derrick Uhri, SBN 321 161 Jeremy Kimmelman, SBN 322958 Matthew W. Keim, SBN 33 1 020 Eric Marquez, SBN 33 1023 Karlie D. Schafer, SBN 331884 The Moore Law Group, APC P.O. Box 25145 Santa Ana, CA 92799-5 145 Telephone: (800) 506-2652 ' Attorneys for Plaintiff, JPMorgan Chase Bank, N.A. SUPERIOR COURT OF THE STATE OF CALIFORNIA, COUNTY OF SANTA CLARA DOWNTOWN SUPERIOR COURT, LIMITED JURISDICTION JPMorgan Chase Bank, NLA.,. Plaintiff, VS. ' MOHAMMAD HARANDI, Defendants. CASE NO. 20CV373901 PLAINTIFF’S AFFIDAVIT IN SUPPORT OF DEFAULT JUDGMENT [CCP SECTION 585] MAwN \OOOQOS 10 11 12 13‘ 14 15 16 17 13 19 20 21 22 23 24 25 26 27 28 Doc Page 1 of 3 SUPERIOR COURT OF CALIFORNIA IPMORGAN CHASE BANK, N.A., Plaintifl', vs. CASE NO.: 20CV3 73901 , MOHAMMAD HARANDI, Defendants. DECLARATION OF FACTS BY ORIGINAL CREDITOR I, Amy Wingo, declare as follows: 1-. I am over 18 years old and competent to make'this declaration. I an‘u an. empl‘byee and Authorized Signing Officer for JPMorgan Chase Bank, N.A., successor by. merger to Chase Bank USA, N.A. (“Plaintifi”).‘ I have access to Plaintiffs books and records (“Business Records”), and l am authorized f0 make this declaration on behalf of Plaintifi‘. The statements herein are based upon ‘myx personal knovfledge obtained from my review of the Business Records. I I 2. Due to the nature and scope of my employment duties, I have continuing access to SD_SwornDocu mentExecution__000255760033 Plaintiff’s Business Records and have- personal knowledge of Plaintiff’s procedures for creating and maintaining these records. Plaintiffs Business Records are: (a) made at or near'the time ofthe occurrence ofthe matters set forth therein; (b) made by, or from information transmitted by, persons with knowledge and a business duty. to report, or are made by a computer or othef similar digital means which ' contemporaneously records an everit as it occurs; and (c) kept in the course of Plaintiff‘s regularly conducted business activities and it is the regular practice ofPlaintiffto make such records. 1 Effective May 18; 2019, Chase Bank USA, N.A., merged with and into JPMorgan Chase Bank, N.A. MMWWHWWMWWWWWWWWWWWWMUBmmmmmmWWWWWfl ngmw \DOOVQLII-b 10 11 12 13 14 15 16 17 18 l9 20 21 22 23 24 25 26 27 28 B44A11 Doc Page 2 of 3 JPMorgan Chase Bank, N.A. v. MOHAMMAD HARANDI 3. Plaintiff’s Business Records show that MOHAMMAD HARANDI (“Defendant”) opened an account with Plaintiff or its predecessor for the purpose of obtaining an extension of credit on 01/05/2006 (“Account”). The last four digits of the Account nufnber are 2067. 4. Afier opening the Account, Defendant did use or authorize the use ofthe chount for the acquisition ofgoods, services, of cash advances. Defendant failed to make the required payment(s) on the Account and demand for payment has been made. 5. Plaintiff provided Defendant periodic billing statements for the Account. The periodic billing statements described the charges on the Account along with interest, fees, payments, credits, and the amount due on the Account. Based on my feview of Plaintiff’s Business Records relating to Defendant’s Account, there are no unresolved billing disputes regarding the Account. A trfie and conect copy of the last periodic billing statement provided to Defendant ls attached hereto as Exhibit A. 6. The last payment in good and collectable funds on the Account was on or about 09/04/2019 in the amount of $370.00. The last charge, balance transfer, cash advance, orother debit that was initiated by Defendant and charged to the Account was on or about 09/06/2019 in the amopnt of $3 0.01. Credit has been given to Defendant for all just and lawful offsets, payments, and crédits as of the signing of this declaration. h 7. The balanc'e due and owing on the Account as- of the signing of this declaration is $16,633.48. Page 2 of 3 NFo FACTS BY OMGINAL CREDITo llfll M“ lfllllllfl fllflllllfllfl!fllflflllllllmllfllIIVIUIIHIIINIUIHllillllfllllllllllhlllfll SD_SwornDocumentExecution_000255760033 Eflllllfllllflfllllmlflllfllfl mam“ \DOOQQ 10 11 12 13 14 15 16 ' 17. 18 19 20 21 22 23 24 ' 25 26 27 128 B44A] I Doc Page 3 of 3 JPMorgan Chase Bank,.N.A. v. MOHAMMAD HARANDI 8. Wherefore, Plaintiffrespectfixlly requests that this Court enterjudgment in favor ofplaintiff JPMorgan Chase Bank, N.A., against defendant MOHAMMAD HARANDI in the principal sum of $156 633 48. Plaintiff does not seek post-charge-off interest or fees. I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct. Dated: 05/12/2021 Declarant Name? Amy Wingo' WWW Declarant Signature: Title of Declarant: Authorized Signing Officei SD_SwornDocumentExecution_000255760033 Page 3 of 3 HIM! llllllllflflfllllHHllHIWIHHl Nflfllll‘lIlllflllllflilllflllflHI"I ' fllfllllfll‘llllllfllfll||‘IflllfllllHlllllflMIIIIIHHWIVIIHIHMIMI mmmwm - '1 _ l Southwest‘s Rapid Rewards' New Balance S M T w T F S $1 6,633.48 26 27 28‘ a 3°n 2 Minimum Payment Due a 4 5 e 7 a 9 $3’234'oo Payment Due Date 1O 11 12 13 14 15 16 05/01/20 17 18 19 20 21 & 23 24 25 .26 27 26 a ao a 4 5 631 1 2 Late Payment Warnlng: If we do not receive your'minlmum payment by the date llsted above, you may have Io pay a late fee of up to $39.00. Minimum Payment Warning: lf you make only he minimum paymentreach period. you wilI pay more In Inmrest and it wlll mke you longer to pay off your balance. For example: And you wlll end upll you make no paying an estimatedadditional charges You will pay off fl'le balance shown on thls using this card and smtement In'about... tom] of... each month you pay... Only the minimum 24 years $6,276 payment If you would like lnformatlon about credit counseling services. call 1-866-797-2885. ACCOUNT SUMMARY.“ Account Number:-M7 Previous Balance $16.423.52 Payment. Credlm ~ $0.00 Purchases $0.00 Cash Advances $0.00 Balance Transfers "‘ $.00 Fees Charged $0.00 lnleresLCharged m New Balance I $16,m.48 OpenlnglCloslng Date 03/05/20 - 04/04/20 Credit Llrnlt $1 4.900 Avallable Credlt ~ $0 Cash Access Line 9.980 ’ Avauabte for Cash so Past Duo Amount ' $358.00 Balance over the Credlt lelt $1,73348 YOUR ACCOUNT MESSAGES A Mange your account onllne:WW x Doc Page 2 of 5 Guatomer Servlce: 1 -eoo-792-ooom_ Mobile: Download Ihe ohmsMobils’app today'C SOUTHWEST' AIRLINES RAPID REWARDS CARD SUMMARY +'Po‘ir'1ts"earned on purchases O Learn more about your Rapid Rewards® Credit Card at www.chasecom/southwest. View point tom‘s and redeem at www.soumwestcom/rraccount. Call 1-800-l-FLY-SWA or vlslt www.soumwestcom to book flights. Earn 1 Rapid Rewards® Point per $1 spent on all purchases; Visit www.aouthweshcom to redeem paints for exclusive Cardmember-only benafim llke lmemaflonal travel. hotel stays. car‘rentals; and more. We hope you enjoy all me benefits your card has ho offer and we appreéiate your buslness. Your annual membershlp fee In the amount of $39.00 will be billed on 06/01/2020. There ls a. ‘ransacflon fee for each balance transfer and cash advanw In me amount of 5.00% or $5.00 minlmum per balance transfer and 5.00% or $1 0.00 minimum per cash advance. staterHent dlsclowres for more Information. Please see the Annual Renewal Notice section of your SD_SwornDocumentExecution_000255760033 CHASE 1:; P.O. BOX 15123 WILMINGTON. DE 19850-5123 For undeliverable Mall Only The Past Due amount of $2,358.00 Is Included In your Minimum Payment. MOHAMMAD HARANDI 3629 COPPERFIELD DR APT 352SAN JOSE CA 95136-4028 Payment Due Date: 05/01/20 New Balancg: V $16,633.48 ; Minimum Payment: - $3,234.00 ' ' Account numbei:- 2067 $ Amount Enclosed Make/Mall (o Ghee Card Services ax the address below: CARDMEVIBER SERVKCE PO BOX 6294 CAROL STREAM IL 60197-6294 ’- ‘ll lllfll I‘ll I‘ll‘llllfl'll‘ItIINlll HIIHHIHIH WWW ||||||l ll lll‘ll lllllll‘ ll |||||||\|l|||\ || Pkg Page 5 oi a Doc Page 3 of 5 To contact us regarding your account: us Omef Nw , In U.s. 1-300-792-0001® Spanish 1-883-445-3303Pay by none1-eoo-436-7958 Send Inqulfl” 1°: lmemm onal 1-302-594-8200 p_o_ Box 1 5293 'We accept operator relay calls Wilmington. DE 13550-5298 Mall Payments to: P.O. Box 6294 Carol stream. IL 60197-6m4 Visit Our Website: Inlnlmallun About Your Aucounl Making Vol" Pevmanll: The amount o! your paymsnt should bu a1 laasl yaur mlnlrnum payrnum due. payable in U.S. dullars and drawn an or payable thmugh a U.S. flnzncla| lnsflluflnn or Iha U.s. branch ut‘a foreign llnanclal lnsmullnn. You can pay dawn balancas (aster by paying mars than me mlnlmum payment or the total unpaid balance on your accounk. You may make payments sleclmnlcally lhrouqh ourwabslle or by one a! our cusmmer servbn nhonn numham above. In using any o! mos: channels. you are aulhorklng us la withdraw lunds as a one-llme electronic lunds tmnslar {rum your bank account. ln our amomatad Dhona sysmm. mls amhorlzatlon is crowded via entry o! a personal l'daml'lcallon number. You may Invoke thls aulhnmallon by canceillng your paymem through our website or cumamar service (elevhonc number: prior m lhc payment processing. ll we recaIve your completed puymenl Inquest through One oi these channels by “:59 mm. Eastern Time. we wllI credit your paymam as cl mat day. I1 we reculva your mques‘ aflar 11:59 p.rn. Eastern Tlme. we wlll crud“ your navmam as oi lhe next calendar day. l! ynu specify a imure ante In your requnm wu will cradh yuur paymum as ol (ha! day. Ii you pay by regular U.S. mall m the Paymunls address shown an mls statement. wrne yaur account number on your check or money urdur and Include me payment coupon In (ha envelope. Do nu! sand morethan one payment or coupon per onvelnpe. Do nnl slaple. cllp ar tape xha documents. Do nnl Include curruspondancu. Du not send cash. H we melve your properly prepared payment an any day by 5 p.m. local llme at our Paymems address an mls s1alamanl, wa wlll cradl! (a your account that day. H your naymum ls racelvod after 5 p.m. local Urns at our Payments adduss on ihls slatamam. wawlllcrudlt I! m your accnum as o! ma naxx calendar nay. hr all other payments or tar any payment type above tor which you dn not 101|ow our , at your ‘ may be -‘ ‘ '4 lcr un lo sdays. Account lnlormaflon Ruwflud Tu Cred“ Bumau: Wu may reaon lnlormallan about your Account lo credit Late . ssed y , or other on your Account may be mllactad In your cradlt raven. H you thlnk we have veponed lnaccumle Inlormallnn m a crud“ bureau. plaasa wma to us at Chasa Card Services R0. Bax 15369. Wllmlng'on, DE 19850-5359. Tu sawlw Ann Mamas Any ol Yum Accounlu): When you glvu us your mobile phuna number. w: have your narmbslan lo comacl you at (ha! numbar about all Your Chase Dr J-P- Muluan accounts. Your consent allows us m use mm messaglng, anlllclal or prerecorded vnlce messagus and aulomaflc dlallna technology (o! lmarmallonal and accmim sarvlce calls. but nut lor tulemarkotlnq or sales calls. I1 may Include comac‘ (ram camnanles working on our behalf (o sa rvlce your accounls. Messaqn and data rate: may Ia ply. You may contact us anytime 10 change these prntarences. Auinorlznllon Tn Coma" Your Gnank Tn An Elwmnl: ‘nnnsmv Danll: When you provide a check as payment. yon amnarlzn us ellher to usu Informallun 1mm your chock m make a unu-Clma olectronlu fund (ranslar 1mm your account or la prenass the paymam as a check. Your bank account may ho dehltud as soun asthn same day we mcnlva your payment. You wlll not racelvc your chock back tram your Instflmlan. mun Candlllunal Peymanla: Any payment check or other form of paymem that you send us tor less than the full balancu duo that Ia marked "paid In Iull" crcontalns a almllar nctallon, or mat you otherwbe lander In Iull saflsiactlun of a dlapulzd amaum. must bu sent (o Card Sarvlcss. P.O. Box 15049. Wllmlnglon. DE 19850-5049. We reserve all our rloms leuardlnu these naymanls (9.3.. Ii I1 ls determlned there ls nu valid dispute or If any such chuck ls racelved at any other address. we may accem the thank and you wlll sflll owe any remalnlnu balance). Wu may re'usa lo accent any such payment by returnlng fl to you. nut cashlnq fl or destroying ll. All other paymsnls ma! you make should h: sun! kc me ruoular Faymom address Shawn on (Ills statement. Alumni Renewal Nuilca: l1 your Accoum Agreemanx has an annual mamborshlp (ea. you are msuonslbla far H eve‘ry yaar your Account Is open‘ We wlll add your annual . " tee to your nllllng once a year. ar nat you use yaur account. Your annual membershlu lea wlll be added lo your purchase balance and may lncurlmumst Thu annual membership Ina Is nan-ralundable unluss ynu nollfy us that you wbh lo close yuur accountwllhln 30 days ar one billlnu cycio (whichever ls less) aflarwe provide the sinlamanl on which iha annual membershlp 1c: is blllad. Your payment cl the annual membershlp (es does not affect our righls m class your Account am \o Ilmk your right lo makn transactions on your Account. l1 your Account ls cloud by you av us. ma annual mamnarshln tan wlll no longer be billed m your Account. calculallnn OI Balance sunlsnl To Inlamll Bale: Tn "gum yaur parladln Interest charges tor each bllllng cycle when a dauy periodic rate“) applies. we use the dally baianca melhnd (Including new tmnsamlnns). Ta flour: your perludlc Intens‘ charges lor each bllllnu cyclu when a monthly perlodlc raleu) applies, w: use ms nvaraoe dally halancu mmhod (lnclufllng new transactions). For an uphnatlon of alther method. or quealons about a panlculnr lnlereg charge cnlculallon on your summer“. please call us at ma 10mm: cusmmar servlca phone number lls‘ed ahova. Wu calculala parladlc Interns! charges saparalaly far uacn 'aalura (lur sxampl . ancu u cash ar These azlculatlons may onmblne dlflsrenl categories wlth the same parlodlc rates. Variable rains will vary wilh me market based an lhc Prlms Rate or such lndnx described In you: Account Agreement. There ls a namamlnn flee fur each balance lmnslar. cash advance, or chuck transaction (n (ha amount staied In yuur Acunum Agreement. There ls a foreign Ivansacuon Isa cf 3% al (ha U.s. dollar amount a1 any (melon lmrlsactlcn lnr same accounts. Please sea your Account Aareamum fur lnfarmallun about muse fewA We add iransacflons and lacs m your daily balance nu oalllur man: 1. the dale ol [he lmnsactlon - lor new purchases. bnlanc: (mnsiars. avardrafl advances, cash advances. Dr My Chusa Loans: 2. the data the nayna duwoslts me check - {or new cash advamn'unecks or balancu hansler shacks: 3. 1ha data cl a reiatcd ‘ransactlun. the dam they am unsled ta your accounl. or IhQ last day of ihe bllllna cycle, whlchovsr we may uhnose-lor Vans Mow Ta Avnlu Paying Internal Dn Purcnaneiz Yourduo data wlll be a mlnlmum al 21 days anar me class o! each bllllng cycle. If you pay your account (or lnlerasl Sauna Salaam) In Iull each bllllna uerlnd by the ale and llma due. no Interest Is charged an new pumhasos momma manln. Alsu.we wlll not Impose lmeresI charges an any portion 01 a puminsa balance you rupay whll: that balanna Is sumac! lo an lmornsx- true period. Sub|e¢1 tn any Interesflrau period (or new purchases. we wlll béaln charalna Interefi 1mm tho dale a transaction (Innludlng any balance (mnslnr, cash advance or overdcan advancn), fee or lmarast charge ls added la your dally balanca umll your account ls paid In full. Because we apply payments In mess o! your mlnlmum naymnmflrsx Io higher rate balances. you may not b3 able lo avoid lnlerem chaluus an new uumnasas ll yau have anulhur bmannn al a higher Interest rals unless you pay your balancn (or lnluresl Saving Balance) In 1ufl each month. cradll lell: If yuu wanl 10 Inquire ahuul ynur aptlans tn hnlv prevent your account 'mm uxuudlng your credlt Ilmll, please call the number an (ha backs! your card. Whal To Do ll You 7hlnk You Find A Mlllaka 0n Yam slniumnnl: H you ‘hln'k there Is an arm! onyaur statoment. write ta us on a separate sham at customer servlca. P.O. BOX 15299. Wllmlngxun. DE 19850-5299. ln ynur loner. give us the following Informallnn: oAccaunI lniarmalkm: Your name and Account number. - Dollar amount: The dollar amount nf lne suspecmd error. ODescrlpllnn o! Problam: I1 you think there Is an ermr on your blll. describe what you ballava E wrung and why you ballava k Is a mlstake. You must contact us wllhln 60 days altar Iha error appeared on your staiemsnl. You mus! notify us oi any polemlal armrs In wrnlng. You may call us or nutny us eluctrnnlcally. but ll you down am nol required m Investigata nny nulanflal arrurs and yuu may hava m nay me amount in quesllnn. Wnlle we lnvcslloale wnalher or not there ha:- luen an armr. me tallawlna are xruu: -Wa cannot try 1o collect ma amount In quslion. or report you as dellnquem an Um amoum. -Tha :hargu In quesflan may remain an your stalamnnt. and wa may continua (o charge you interest on lhat amount. But. ll wu dmurmlnu lhal wa made a m mls1ako. you wlll not have la pay iha amount In question ar any lmarast nr other lea: rela‘ed Ia (ha! amount. -Whllu you dc not havém pay 1h: amount In quesxlan. you are rasponslble lur ma vamalndnr 01 your balance. an can apply any unpald amount analnst your crud}! Ilmll. Your Rluhll ll Yon Ara nltsallallafl Wllh Yum cyan“ cam Purchasazz H you ave dlssatlslled wflh (he goods or sarvlces that you have purchased wnh your credit card. and you have mod In gnod 1a|lh lu cnnecl the problem with the merchant. you may have m5 right not lo payme remaining amnunx due on 1h: purchasa. Tu use thls rlqm. all 01 me following musl ha true: 1. The Dumhass must haw bean madu In yuur hams 5131a or wflhln 100 mllas 01 yuur current malllng address. and lha purchase price must have bean morn man 550. (Note: Nemmr nl these are nacassary II your purchase was based an an advenlsament wa mailed ta you. or fl we own the company ma! sold you mu goods or sarvlcas.) . Vou must have usad your :rodll card vartha purchase. Fumhasas made wllh cash advances tram an ATM or wllh a check 1hal accessas your credn cam Auuum do nut quallfy. 3. You mm! not yet nave tully wld ior ‘hu purchasu. If aII unhe criteria a have ara met and you are silll dIssallsilud wnh Ihe puwhis a, namact us ln wrlllng ax Customer Service. P.o. Box 1 5299. Wllmlnclan. DE 19550-5299. Whlla we Invastlgata. Ina same rules apply m Ihe disputed amount as dlsnussad ahovu. Anar we (lnlsh cur Invaslluulun. wa wlll ml! yuu our declslan. Al lha‘ palm. ll we mlnk you awn an amount and you du nut pay we may report you as dellnquem. u 000255760033 |0n_ SD_SwornDocumentExecut MA0425201 Q To manage your acwunt, including card payments, alerts, and change of address, visit Chase.comlcardhelp or call the customer service number which appears on your account Statement . Illll IlllllllllWlllllllllll‘l ll W! WIINIIHIIIINIH WNW llllllllll llllll Illillfillll Ill Ill! HIM! H .1 Pkg Page 6 of 8 Cusmrner Service: ' 1600-792-0001 Doc Page 4 of 5 Mobile: Dm'unload me Chase Mobaaoapp today‘ southwest.® g. manage your account onllne: = Rapid Rewards’ YOUR ACCOUNT MESSAGES (CONTINUED) You are over your. credit Ilne/credlt access llne by $1,733.48. You can pay down your balance fasier by Including d1ls amount with your payment. « - Your accounk ls closed and no longer avaliable for use. ACCOUNT ACTIVITY ate cf TraDnsaction Merchant Name or Transaction Descriph'on S Amount gmeggw CHARGED ‘ , ‘1 04/03 I PURCHASE INFEREST CHARGE 42.48 04/03 CASH ADVANCE INTEREST CHARGE 54.02 04/03 BALANCETfiANSFER INTEREST CHARGE 1 13.46 TOTAL INTEREST FOR THIS PERIOD $209.96 Tmal fees charged In 2020 Total interest charged in 2020 ' 2620 Tom]; Yeafi-po-bato $1 17.00 $866LSO Year-to-date tomls do not reflect any fee or interest refunds you may have received. INTEREST CHARGES Your Annual Permuge Rate (APR) ls the annual Interest rate on your account. Annual Balance Balance TyPe Percenmge subject To‘ Interest Ram (APR) Interest Hate Charges £U§9HASE§ - . a _ Purchases 1 5.99%. (v)(d) $3, 1 28.24 $42.48 9é§HADVAN9-§S .._,. V ~ Mu _. .w Cash Advance prior to 09/15/2016 19.24°/o(v)(d) $3,306.00 $54.02 Cash Advances 24.99%(vxd) - o - - o - \ PALADAEEJBANSFERS . _. ' Balance Transfer prior to 04/27/2016 13.24%(v)(d) $1 0,090.65 $1 13.46 Balance Transfer 15.99%(v)(d) - o - - o - 31 Days In Billing Period (v) = Verlable Rate (d) = Daily Balance Method (including new transactions) (a) = Average Dally Balance Method (Including new transactions) Please see Information About Your Account section for the Calculatlon of Balance Subject to Interest Hate, Annual Renewal Notice. How 1° Avoid Interest on Purchases , and other Important lnformafion. as applicable. ' SD_SwornDocumentExecution_000255760033 MOHAMMAD HARANDI Page 2 of 2 Statement Date: 04/O4l20 HIM ll! ll‘IHHN llilllllfll Hill llllll |l Ill |\|| Illlllllll Ill ||l|| Pkg Page 7 of 8 HI"Hlfll‘flllllllUllWlflllWllillllllll/lllllllll}lWlllllllllllllflmWM!fllflfllflflmlllfllllllllmllMlli/fllllmlllfllfllmllHIM