Complaint Limited Filed by Assignee 5KCal. Super. - 6th Dist.March 23, 2021E-FILED 3/23/2021 12:48 PM Clerk of Court Superior Court of CA, County of Santa Clara 21CV379181 Reviewed By: Ashley Mackenzie 21CV379181 6091796 JACK H. POGOSIAN, State Bar No.2 305741 MANASI TAHILIANL State Bar N0.: 272821 1 CHRISTINA ARNOLD, State Bar N0.: 297590 2 HYO JIN JULIA JUNG, Stata Bar N0.: 3 1 6090 MELINE GRIGORYAN, State Bar N0.: 321 133 3 MICHAEL D. KAHN, State Bar N0.: 236898 NICHOL ALAN DE GUZMAN, State Bar N0.: 3 14989 4 CAMRYN P. BERK, State Bar N0.: 31 7565 5 350 CAMINO DE LA REINA, SUITE 100 SAN DIEGO, CA 92108 6 Telephone: (866) 3008750 Facsimile: (858) 309-1588 7 Attorneys for Plaintiff 8 SUPERIOR COURT OF CALIFORNIA COUNTY OF SANTA CLARA 9 DOWNTOWN SUPERIOR COURT 10 MIDLAND CREDIT MANAGEMENT, INC. Case No. 1 1 Plaintiff, COMPLAINT FOR: l2 vs. (1) Account Stated 13 ELIZABETH VALLEJO; PRAYER AMT: $1,364.64 14 and DOES I through 10, inclusive LIMITED Defendant. 15 MIDLAND CREDIT MANAGEMENT, INC, (”Plaintiff"), by counsel, sues ELIZABETH VALLEJO, 16 (“Defendant”) under Account Stated and in support thereof states: 17 l. Plaintiff is authorized t0 d0 business in CALIFORNIA, with its principal place 0f business at 350 18 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff owns portfolios 0f consumer receivables, which it attempts to collect. Plaintiff strives t0 treat its consumers, such as 19 Defendant, with respect, compassion and integrity, hoping to provide mutually-beneficial 20 opportunities for consumers t0 repay their debts and attain financial recovery. 21 2. Defendant is a resident 0f SANTA CLARA County, State 0f California and is subject to this 22 Court’sjurisdiction. 3. Plaintiff is unaware 0f the true names and capacities of Defendants sued by the fictitious names 23 DOES 1 through 10. Plaintiff will ask leave of court to amend this complaint as and when the 24 true names and capacities of Defendants named herein as DOES 1 through 10 have been 25 ascertained. 26 Pursuant t0 California Civil Code (“CA CIVIL”) §1788.58(a)(] )-(9), Plaintiff alleges: 4. Plaintiff is a debt buyer as defined by CA CIVIL §1788.50(a). 27 28 -1, COMPLAINT CA_0132G File N0.: 21-3 1866 10. 11,. 22 12 '13. Defendant established a credit account (the “Account”) with CAPITAL ONE, N.A.. The amount due is the result 0f transactions that occurred 0n the Account. Defendant was provided statements evidencing Defendant’s use 0f the Account and the balance due. Defendant failed t0 make the required payments and subsequently defaulted 0n the Account 0n April 03, 2019. Thereafter, Plaintiff was assigned all rights, title, and interest in the Account. Plaintiff is the sole owner 0f the debt. Attached as Exhibit A is a true and correct copy 0f the Bill 0f Sale from CAPITAL ONE, N.A., t0 Plaintiff. The Account was purchased by Plaintiff 0n January 27, 2020. The Account balance at the time 0f charge-Off was $1,364.91. Plaintiff alleges that the date 0f default is April 03, 2019 and the date 0f the last payment was July O4, 2019. The name 0f the Charge-Off creditor at the time 0f charge-off is CAPITAL ONE, N.A.. The address utilized by CAPITAL ONE, N.A. at the time 0f Charge-off was 1680 CAPITAL ONE DRIVE MCLEANNA 2210]. At the time 0f Charge Off, the account number associated With the debt was XXXXXXXX-XX-5618. The name 0f the debtor as it appeared in the records 0f CAPITAL ONE, NA. is ELIZABETH VALLEJO and the last known address as it appeared in the records 0f CAPITAL ONE, NA. is 3289 LEAFWOOD LN SAN JOSE CA 951 1 12336. The name and address 0f all post Charge-off purchasers 0f the debt are as follows: Name Address MIDLAND CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN INC. DIEGO CA 92108 Plaintiff has complied with the provisions 0f CA CIVIL §1788.52. Plaintiff informed Defendant 0f the assignment 0f the Account. Pursuant t0 CA CIVIL §1788.58(b), attached as Exhibit B is a tme and correct copy 0f a monthly statement recording a purchase transaction, payment, 0r balance transfer while the Account was active as required by CA CIVIL §1788.52(b). Attached as Exhibit C is a true and correct copy 0f a billing statement that was mailed t0 Defendant stating the balance due 0n the Account at 0r around the time 0f Charge-off. 7 CA_0132G File No.2 21-31866 COMPLAINT 4k \]O\Lll 10 12 13 14 15 16 17 19 20 21 22 23 24 25 26 27 28 16. l7. 18. 20. 21. 22. Plaintiff acquired all right, title, and interest t0 the Account. T0 the extent that Plaintiff acts in its capacity as successor-in-interest t0 the original creditor 0r its assigns, references herein to Plaintiff may include Plaintiff’s predecessor-in-interest. Plaintiff has attempted t0 contact Defendant through several means in an effort t0 resolve the Account, but has been unsuccessful. Defendant has not repaid this debt. Plaintiff works with consumers like Defendant t0 find mutually acceptable solutions, often Offering discounts, hardship plans, and a variety 0f payment options. The majority 0f Plaintiff‘s consumers ignore calls 0r letters, and some simply rafuse t0 repay their obligations. When this happens, Plaintiff must decide whether t0 pursue collection through legal channels, including litigation such as the present action against Defendant. Nonetheless, Plaintiff remains interested in discovering a mutually beneficial solution through voluntary payments, if possible, in this case. Before commencement 0f this action, Plaintiff informed Defendant in writing, that it intended t0 file this action and that this action could result in a judgment against Defendant that would include court costs allowed by California Code 0f Civil Procedure § 1033(b)(2). FIRST CAUSE OF ACTION ACCOUNT STATED Plaintiff realleges and incorporates by reference the foregoing paragraphs. An account was stated in writing between Defendant and CAPITAL ONE, N.A.. Defendant opened and derived benefit from the Account. By using the Account, Defendant expressly 0r impliedly promised t0 repay CAPITAL ONE, N.A.. Within the last four years, Defendant became indebted 0n the Account. On the Account, a balance 0f $1,364.91 was stated t0 be due t0 CAPITAL ONE, NA. from Defendant. Plaintiff has n0 record 0f Defendant objecting t0 the balance due. Before the commencement 0f this action, Plaintiff was assigned the Account and indebtedness. Plaintiff is now the sole owner 0f the Account. Plaintiff has made a demand 0n Defendant for repayment 0f the Account, but Defendant has failed t0 pay the balance due. The. current balance presently due and owing is $1,364.64 which includes payments, set- offs, credits 0r allowances, if any, at 0r after Charge-off. 3 CA_OI32G File No.2 21-31866 COMPLAINT 1 2 WHEREFORE, Plaintiff requests judgment against Defendant for $1 ,364.64, costs 0f this action 3 and post judgment interest at the statutory rate. Plaintiff waives any claim for pre- judgment interest and attorney's fees. 4 5 6 7 Dated: 3//g/’ZD ‘31 MIDLAND CREDIT MANAGEMENT, INC. 8 . 9 1 O By: m > D JACK H. POGOSIAN 1 1 D MANASI TAHILIANI D HYO JIN JULIA JUNG 12 E’MELINE GRIGORYAN D CHRISTINA ARNOLD 13 D MICHAEL D. KAHN 1 4 D NICHOL ALAN DE GUZMAN" D CAMRYN P. BERK 15 16 17 18 19 20 21 22 23 24 25 26 27 28 4 COMPLAINT CAi0132G File No: 21-31866 EXHIBIT A AA_0125 File N0.: 21-31866 Receivable Sale Agreement dated January 8, 2020 BILL OF SALE Closing Date: January 273 2020 Capital One, National Association (“Seller”), in consideration of a Purchase Price of ‘ W ' r and other valuable consideration, the receipt of which is hereby acknowledged, hereby sells, assigns and transfers all right? title and interest in the Accounts identified in the Sale File entitled OMEGABNOO76.SALES.PROD-EASTPWWHLEZOZOO1 17_BN0076”main.dat.gz OMEGA.BNOO76.SALES.PROD-EASTPWWHLEZOZOOl l7_BN0076_Cust0mer.dat.gZ OMEGA.BNOO76.SALES.PROD-EAST.PWWHLE202001 I7_BN0076fiphone.dat.gz (which may be in electronic form) t0 Midland Credit Management, 1110., a Kansas corporation (“Buyer”): without recourse 0r representation except as expressly provided herein 0r 011 the terms, and subject t0 the conditions, set forth in the Agreement (as defined. below). This Bill 0f Sale is delivered pursuant t0 that certain Receivable Sale Agreement, dated as 0f January 8, 2020, by and between Seller and Buyer (the “Agreement”). A11 capitalized tenns used, but not defined, in this Bill 0f Sale shall have the meanings assigned t0 such terms in the Agreement. The Sale File Delivery Date for the Sale File was January 21, 2020. The aggregate Sale Balance 0fthe Accounts as 0fthe Sale File Delivery Datewas-. CAPlTAL ONE, NATIONAL MIDLAND CREDIT MANAGEMENT, INC. _ ASSOCIATION j . r /M ,j _ U 5’47MQJ By: f 7 g Name: Sarah Cosgrave Title: MVP OfBD Receivable Sale Agreement dated January 8, 2020 AFFIDAVIT OF SALE OF ACCOUNT BY CREDITOR State 0f Virginia, County of Goochland. James R. Lane being duly sworn, deposes and says: I am over 18 and not a party t0 this action. I. am a Vice President 0f Capital One: National Association. In that position I am aware 0f the process Ofthe sale and assignment of electronically stored business records. On 0r about January 2 1 _, 2020, Capital One, National Association sold a p001 ofcharged-off accounts (the Accounts) by a Receivable Sale Agreement and a Bill 0f Sale t0 Midland Credit Management, Inc, a Kansas comoration. As part 0f the sale 0f the Accounts, electronic. records and other records were transferred 0n individual Accounts t0 the debt buyer. These records were kept in the ordinary course 0f business 0f Capital One, National Association. 1am not aware of any errors in these accounts. The above statements are true to the best 0f my knowledge. awZ:Si fined ihig miflmjdn Of _ g(rL/ , 2928. SUBSCRIBED and sworn t0 before 1116, the undersigned Notary Public in the jurisdiction aforesai¢ by James R. Lane, who is personally known t0 me and who acknowledged before me his signature t0 the foregoing Affidavit. GIVEN unciermy handmd sea: th;s_ lfldagafwr f i‘, _ _ ,2020. WWWW pm 'wzmm wESTsa PAIGE William Waston Paige NCTABY PQBLEC EEG‘ #396953 fifiéééé ?:?WERiTB 5F BBSENiA gay gegeggsaag Expmgs QC? 3%, 2&2; Nmary Pubiie Capital One ConfidentialCapital One Confidential Receivable Sale Agreement dated January 8, 2020 CERTIFICATE 0F CONFORMITY CERTIFICATE OF CONFORMITY MADE PURSUANT TO CPLR 2309(c) and RPL 299-21 I, an attomey-at-law admitted t0 practice in the Commonwealth 0f Virginia: d0 hereby certify that William Weston Paige, is a notary public in and for the Commonwealth 0f Virginia, in the. jurisdiction aforementioned and the. acknowledgment upon affidavits for Capital One, National. Association are taken in the manner prescribed by the laws 0fthe Commonwealth of Virginia and conforms t0 the laws thereof in all respects. IN WITNESS WHEREOF, I have hereunto set my signature, this day 0f 4/1/2020 , 2020. James Glmsted Printed Name f“ BaguSignag by: A Ea "£3622 r Kaficsamszwaaéw ' igned Name Attorney at Law, Commonwealth 0f Virginia Capital One ConfidentialCapital One Confidential Receivable Sale Agreement dated January 8, 2020 AFFIDAVIT OF SALE OF ACCOUNT BY CREDITOR State 0f Virginia, County 0f Goochland. James R. Lane being duly swam, deposes and says: I am over 18 and not a party t0 this action. I am a Vice President 0f Capital One, National Association. In that position I am aware 0f the process Ofthe sale and assignment 0f electronically stored business records. On 0r about January 2 l, 2020, Capital One, National Association sold a p001 0f charged-off accounts (the Accounts) by a Receivable Sale Agreement and a Bill 0f Sale t0 Midland Credit Management, Inc, a Kansas comoration. As part 0fthe sale 0f the Accounts, electronic records and other records were transferred 0n individual Accounts t0 the debt buyer. These records were kept in the ordinary course. beusiness 0f Capital One, National Association. I am not aware 0f any errors in these accounts. The above statements are true t0 the best 0f my knowledge. Signmed this MLVWH‘” day :3? ég {m 29m SUBSCRIBED and sworn t0 before me, the undersigned Notary Public in the jurisdiction aforesaid, by James R. Lane, who is personally known t0 me and who acknowledged before me his signamre t0 the foregoing Affidavit. GIVEN mder my hand and seai this; HHLHH; day 0fWMD‘ 3 2820. Wail” WW Pm w’mum WESTQN PAIGE 7 William Wearing Pai ire: NGTARY PUSLSC '1 REG. ????‘96955Mm Pub“: cwmwgma :3; @362szm semmssm Exmagsag? 31’ g 29227 Capital One ConfidentialCapital One Confidential Receivable Sale Agreement dated January 8, 2020 CERTIFICATE OF CONFORMITY CERTIFICATE OF CONFORMTTY MADE PURSUANT TO CPLR 2309(c) and RPL 299-21 1‘, an attomey-at-law admitted t0 practice in the Commonwealth 0f Virginia, d0 hereby certify that William Weston Paige, is a notary public in and for the Commonwealth 0f Virginia, in the jurisdiction aforementioned and the acknowledgment upon affidavits for Capital One, National Association are taken in the manner prescribed by the laws Ofthe Commonwealth 0f Virginia and conforms t0 the laws thereof in. all respects. IN WITNESS WHEREOF, I have hereunto set my signature, this day 0f 4”}15/2020 , 2020. James Olmsted Printed Name gu-«Egcufigngd gy: 7 V ‘ XE:x 7, Ligcsawaszcsfiaa signed Mange Attorney at Law, Commonwealth 0f Vilginia Capital One ConfidentialCapital One Confidential Field Field Data Account Number -618 SeHer Account ID -2613 First Name ELIZABETH Last Name VALLEJO SSN XXX-XX-2335 Date of Birth - Address 1 3289 LEAFWOOD LN City SAN JOSE State CA Zip 951 1 12336 Open Date 07/03/2015 Last Purchase Date 02/26/2018 Last Purchase Amount $1 1 .22 Last Payment Date 07/04/2019 Last Payment Amount $60.00 Sale Amount $1 364.91 Charge Off Date 11/16/2019 Charge off Balance $1 ,36491 Post Charge Off Interest $0.00 Post Charge off Fee $000 Post Charge off Payments $0.00 Post Charge off Payments and Credits $0.00 Post Charge off Credits $000 Affinity CAPITAL ONE WALMART REWARDS Account information provided by Capital One, National Association pursuant to the Bil! of Sate/Assignment of Accounts transferred on or about 01/27/2020 in connection with the sale of accounts from Capital One, Nationa! Association to Midland Credit Management, Inc. OMEGABNOO7BSALES.PROD-EASTPWWHLE202GO1 17_BNOO76_main.dat‘gZ OMEGA.BNOO76.SALESPROD-EAST.PWWHLE202001 1 7_BN0076_Customer.dat.gz OMEGA.BNOO76.SALES,PROD-EASTPWWHLE2D2OD1 17WBNOO76_phone.dat,gZ EXHIBIT B AA_0126 File N0.: 21-31866 fiiem preguntm mm? $5.: mama Waémart“ M&Stamaafi”? Paéemas ayfidan E 'fifl ' 2‘?‘§$§i$ Légsm {Lamefsés cm: xgfiraazgs Walmart.com/creditiogin 1-866-611-1148 su asistente virtual, cuando (Solo disponible en inglés.) administre su cuenta en linea. Synchrony Bank smite la tary'eta Walmart Mastercard conforms con una iicencia de Masiercard Intemationai Incorporaleclv Mastemard” es una mama registrada. y el disefio de Ios circuios es una mama registrada Ge Mastercard International Incorporamd. Las siguientes son mamas y/o mamas registmdas de Walmart Apollo. LLC: e! disefio de la ch'spa o "Spark' (=::), Walmart, y Save money, Live better. mggear'gard, ELIZABETH VALLEJO Numero de Cuenta ending in 5618 Fecha de Cierre de Estado de Cuenta 07/11/19 Visite walmart.com/credit o Llame al 1‘866-31479507 ‘o'r 'dé! ,j I H's.pagq‘s"deben;iébibirsegnie‘sdéilgSESfp: ‘ S Lirh e V L Saldo (Balance) Anterioral 06/11/2019 $1,139.48 cha. devehcimiéhfo'f’de a_o , . _ I Pages 60.00 .A , r , 9. ._ LQB/OSQO Otros Crédikos -O‘00 Ad . d P A d ' t ‘ CargOSfCUotas Cobrados +3800 yyenengla e ago trgsa D.SI no rectbsmo?‘ su Pago i Mmlmo Total A Veneer a mas tardar en la Fecha Ge Interes Cobrado +2446 Vencimiento de Pago indicada arriba. es posible que tenga Nuevo Saido (Balance)at 07/1 1.12019 $1,141.94 que pagar un cargo por pagos airasados de hasia 538-00- Advertencia de Pago Minimo: Si solamente realiza el pago minimo cada perfodox usted pagaré ma‘s intere’s y le Limite de Crédito $1 ‘030 tomara més tiempo liquidar su saldo (barance). Credsto Disponible $000 P0“ elem“): Adelantos en Efectivo/Limite de Dinero en ' " ¥ ' Efectivo In'medigm $210 adxplona'lesx‘ Efectivo Disponible $0.00 ' " " r‘do' Fecha de Cierre de estado de cuenia 07/1 112019 " Dias en ei Ciclo de Facturacic’m 31 Solamente el pago 3 afios $1 ,574.00 minimo Si desea informacién sabre servicios de aseson'a credificia, Ilame al 1~877~302-8775‘ 3% en Walmartcom $0.00 m 2% en Gasolfina en Walman & Murphy USA $0.00 Ea?“ Gane recompensas en Ias compras 1% en Otras Compras $0.00 fig que realice todos los dias con su larjeta Waimart Mastercard‘ Total Canjeado en este Estado de Cuenta $000 w Para obtener informacic’m sobre cémo ganar efectivo y canjear e! efectivo ganado, visite Walmart.com/creditlogin AVISO: Podemos convertir su pago a un débito e(ectrénico. Consulte e! dorso para detalles. Derechos de Facturacidn y otra informacién imporlame. :40: 1:9; 2 C 190721 a :-:: Desprenda y envie esta pane con su cheque. N0 incluya ninguna cmrespondencia con su cheque. Namero de Cuenta: xxxx xxxx xxxx 5618 ??gémfifi Pago Adiunto: Escriba en tinta VillllllflllNIHWWIIHIQIRIIWIIIIIHHUIHIHWIIIIWI"ll“ HIM! ELIZABETH VALLEJO 3289 LEAFWOOD LN SAN JOSE CA 951 1 1-2336 ' gDireccién o correo electrOnico nuevo? lmprima los cambios al dorso. Envie el Pago a: WALMART MASTERCARDISYNCB PO BOX 960024 ORLANDO, FL 32896-0024 Servicio al Cliente: Para Informacién fife nucata‘ {Same e! nfimero lap edeiantera de est: estadc de cuenta Para probsemas Se audicién a :12 habia L e 3n Sewicéa d5 Reiransnns n de Teéeflmuniracwnes {?RS par 595 sighs en. :ngiésyAn means que su nombe apa ezea en esée estado .e :uenta, su accese a énfsrmacién er; Ea meme puede Jr Amitajc También {made anv’ar pregunias (pen) m pages) a: PD. Box 965022, Orlando. FL 32896-5022. Per favor incluva su numera (i=1 cuenia en cuaiquier cmmswr.cenma qua nos ervia. Pages: Envie pages a {a Girecniéfi indicada en la pm m. vie remifi én d9 este esi‘ ca 0‘9 Quanta. n pagl'e per Jniemet. Aviso: Cansulie a ccntifiuaciéa para sus Derechcs de Fectuzacm y oira 3r form Lén émgnname. E; Slamar per Eeléfono con resgecto a ermres d9 faciuwcic’m no oresewera' sus defec'nos d9 acuerdo (m ga ?eyes {ederalest Para pre$ervar sus deacms‘ m! favor escribanos a {a Dérecciéa (Se Consum dc Feciuramér, PO Bon‘sE323 Orianco, FL 328966023 Es pee ie qua £35 commas. devolw kmcs y sages aue se realm‘ I .0 antes d9 éa fec‘g Ce factumm no apareman ham el 9*‘ac‘o de cuenia def aréxime mas. Cuando usied {Tacoma .a u aqua com I saga. ,ci ms amon’za a u '“a'zar informemprx d9. su cheque para reaitzar ma L .sferemia eleckér A de hnabsd, ‘a davezde s r3” nLa o proxsa- e: wager 2n .ransacsié c :heque C ands uii‘mamos miwmacéén H su cfmue para :eanawnat ierencia eleLm 3e? ‘ ‘ * r ”Se sass tmntata imn‘o emu elmsmodleamfuu recibamos :u sage yno redairé - eq de 5U :nsif‘ 4. . financtera. Puede ebgir que su page no sea cobrado electronicamente al enviar su page (con el talon de pago) en su pmpio sobre- no en er sobre con ventana adjumo dingido a: P 0 Box $0993 Atlanta GA 30353-0993 y no a Ia Direccién de Page. §. Qué Hacer Si Considera Que Encuentra Un Error En Su Estado [nfmmacio'n Sabre Pages: Usted puedei en cualquier momenta, De Cuenta pager, en part9 o en su totalidad, el saldo (balance) total impago Si bsied ronsjdefa Que ex;Sig: Lin dfmf an su estadf} (jg cgenig 5m cafga adlcloflal pofeiprepagO: CLaquflef “390 IQC‘uEdO dazpues 333353 m a ga cia Ias 5:00 y m. (Hora d9! Esta) en :ualquier dia 5e acrednara' a para: Dir mmc nsdmsde Fauyamnfle. fie? Sig 'nen”: Gia La =crediiacién e su Cuena puede demomrse haséa ci- co dias si e! page (a) no 59 re:bee en Ia Direc ion de Paga‘ Synchrcny Bank P n. Box 3&50-23 Oriardc FL 323966023 Er; su ianaa 0mmionsfirs [a Séguieme iafermacién: t {nformeaén c‘e suede: Su newbie y namers de :Lxenta. ‘ Mona: en doleHes 5' mrmm en dé ares del supuesic arm: - Deszn' 2'6." fie.- Profiled Si ccnsidera q-Je exisie u: em: er: st fasiura des;nba in qua r. .‘idera qua esia incorrecto y una exp“ Anion aca- ar a porqu . cons‘édera Que exists un enor. Deaerratfi iener raaflcaas suyas denim de les 60 dies cesnuésdSQLa u: gm” apa' é 9-“- SU 953mm d9 ouenia ‘2 0‘9- un monto cmtrovenédo, e {n} se ef 2ua con oiras cordécéones c Bebe aofificamas d9 cualqa'nr 0355539 erzor por escrr'fo. Nos paw"? resuiccicnes€Pagcs Conirovemdosi deheran enviarseo en‘regare a5: Rama! m? ieléfcrrs. para 3i I0 haoe no 39 nos requiera :r-vesf. - PO. Sex 965023, Orlando. FL 32596-5023. cuaiquier mania em: y es {mime que ienga que amnar ei manic er: Crédflos A 3U Cumta: El mono mqraU-O Ewe pare ‘ o 1:"!{1‘} énc!uye grape; , que 10mm, c cwsspcadencta da wais-uier i193. Eaags QQ-m-¥I0"g‘e 5: Tchas {as Comunica-céorgs escnzas con reap“:{o a mon’os com. v, s incluyendo '* :Iquier m“ que L- at.t'c in trumento de pago qua (i) Inma qua D! saga mnsu‘ pace en su 9.31amJae? {payment m ‘zilfl n se ofreazp¢ came sai‘ O U‘ 95i C5“ d9 re- ‘ {-J anies de um monm es nn C‘édiu; o 53?ch (ha:anc- . Mieni ES flue inVeS6;?amoi Si exisie un errar, [US sigéiiefilefi Sim a memos inéicado (:19 {g cnnirano Lgs gren'jm; sgran anligga.gs 3 3;; verd: es: saidr; anisdw immediatamente a! cibirlas, pew n0 sau'SIaJracualquier - No pm'emm tratar de cobra: e? meme en suesiién, ni Enformazi‘ 55390 @Qflefldc P499 Pue‘ie WSW awamer coma morass. (nfonnes De Grédiio E lnformacidn De Cuenta: Si considers qL - Ei cavgo en cuesiién puede permaaecer an 5g estadn de cm: hemoa reporiado infomacién inexac‘la sobrs usied a una age. .a d9 y pomemos centimua; facturénfinie cages 90.- Inje ‘ _. - . acs'fifi 50er :onsumidores por favor cumuniquese cm nos ire: Pero sidelern‘tinamos qua comgfimos ur, gag; r30 [endrduq e339mar f 8K P.O. BOX 96324. Ofiafijc FL (.3965054 A3 5869??!) Kr‘emflqu" la mania en cueséién ni cusiguigr ir-iarés a cargos a v - as relacionadcs m?em‘fi-Ciéfi [a , Cg“ 3315mm. 4: x: -' ' uoqueé duveamnrmwd - A ue no lama Que a mar nl mania en Luesiiér usied es mrfa‘m’ ‘*" W"? “n“ coma de "" mg“? ?Od‘ems pc’f' ' re “sake nc-M‘ 'ésto de is the annual intgrest rate 0n your account. P,L§D,F = Variable Rate. See reverse 0f page 1 far detaiis. Type of Annual Percentage Balance Sahject Interest Charge Balance RatemPR) ta Interest Rate Purchases 24.55% D $1350.26 $2327 Cash Advances 27.65% D $0.00 $000 firm) puedo Evitar e! Pago de Camus por l'ntereses? Si usted paga ia totaiidaé de su "Nuevo Salda" a més E'idar para fa fecha de ventimierfio, n0 se Ee cubrarén cargos por intereses sabre [as lransacciones nuevas que se registren en e! segmento de Compras. Si usted ha wads pagahéo la tciaiidad de su saléo sin Que se Ié apliquen Cargos per iniereses. pew no page: su siguiente ‘Nuevo Saldo" en su Eoiaiidad, Fe cobraremos interesas sobre la porcic‘m del saédc qua usted n0 hays pagado. En cases de Adelanms de Dinem en Efectivo y Traasferenc’ias Especialeg, cemenzaremos a cobra intereses a partir de Ia fecha de la transaccién. Puede qua cienas oiertag premocionaies Ee permitan pagar menus de! toéai del Nuevo Saidc y eviiar pagar Cargos pa; intereses sabre las commas nuevas. Para Obtener més informatién, consuite el 5:35:19 de su estada de cuenta. [Cémo se ggljpa e! Carqo por Entereses? L05 Cargos pm lnlereses se acumulan desde la fecha de la transacfiién 0 el primer dia diet Ciclo de Facturacién. Se acumulan Cargos pm lntereses sabre luda caniidad pendieme de page hasta qae ésta se pague en su totalidad. Esta quiere deck qua aunque pague Eado ei “Nueva Sasdo" de un Cicin de Facturauién, puede que uszed debs Cmgos par iaiereses si no pagé eE tote! del "Nuevo Saldo”del Cicio de Facturacicn anterior. Les Cargos par Intereses pendsientes die page se suman 3| segmento cmreapondiente de SL1 cuenta. L‘De gué forma Calcuia Cagigfi Ongeifiaggo gar Intererses? Uziiizamos Lm méiacio Uamado Saldo Promedio Diario (inciuidas Ia’s {ransaceiones nuevas}. ,Primero, para cada segmenio. {Omamos e! saldo initial diario y ssmamos Fae L'ansacr-ciones nuevas y e! Cargo periddico p0; lntereses sabre e! safido deé dia anterior. Luego, resiamos cuaéquier page y crédite registrado en ese Segmento para ese déa. E! resuftade es ei saldo tiiario para cada segments. Sin embargo, si el saido de su esfiado ée Quanta afiterior era de cero délares t: tenia ua crédiio a su fever: las transaccicnes nuevas que SE registran en su segmenfo de compras no se swan a ¥os saldos diaries. .Después, para cada segmentq sumamoa Ens saldos dian’os para cada segmenicl y se divide el resuitado de esa sums per ei numero d9 dias en el Cicio de Facturacion. EE resaftado es ei Saldo Promedia Déario para cada segments. .AA fine! de cada Cido de Facéuzacidn; multipiicamae su Salds Promedio Diah‘a para cada segmenm par la tasa periédica diaria {la Tasa de interés Anua! {APR} dividida entre 365} para ese segmém, desgmés se maltiplica e1 :esuétaéo por el némem de digs en ei Cicm Lie Factumcédn, Sumames tsdas IDs Barges per Intereses para todos [Gs segmenms. E! resuéisdo es ei tDtal de 103 Cafgos par :ntereses para e! Cicio de Facturacién. Al Saldo Promedio Diane se Ie Iiama Saldo Sujeto a intereses en la seccién fie Cétculo de Cargos de iniereses de este Estado de Cuenta NOTA: Debido a que se redondea la Csifra <3 a qua existe Lm Cargo minimo per Intereses, es posible qua haya una pequeéa variacjén entre este célculo y el Cargo por lnteresee real que se aplica a su cuenta. iCémo puede cambiarrmi Tasa de Interés Anua! (APR) Variabie'l Sus APR pueden aumentar 0 disminuir de acuerdo con um de E03 siguientes indices [qua se pabtican en el diario The Wail Street Journaf ). EE cédigo de tetra que se presenta abajo corresponde con la letra que aparece a iado de sus APR en la seccién Céiculc de Cargas par intereses de este estado de cuenta. ....\. N CA) Cddigo al |ado Forma en que talcuiamos sufis} APR Guéndo cambiara’ijnj EMS) APR de SU(S} APR indice é margen > P Tasa Preferenciai ("Primefi + margen Ei primer dia de ios Cidos de L Tasa LIBOR de 3 meses + margen Facturacién qua terminan en enero, ade jaEi-a y octubxe, D Tasa Preferential ("Prime") + margen Ei primer dia de cada Ciclc de F Tasa UBOR de 1 mes + margen Facturacéén. L'Cémo guedc evitar tener Que pagar Cuotas de Mambresia? Si un aviso d3 renovadén esié impress en esta declaracidn, puede evitar tener que pagar una Cuota de membresia anual si nos soiicita que cerremos su cuema comunicéfifi'ose can Servicio aE Cliente a més tardar 45 déas después Gel affirm) dia del Cicio de FaciuraciOn qua correépflnde a esie estaéo de cuanta. Para no tenet qua pagar una Cuoéa de membresia mensuai. cierre Si; cuema y defaremos de cargarie dicha cuota‘ g Qémp Cierro MiCuenta? Usled puede comunicarse con Serv'icio a! Cfieme en cuatquie! memento para soiicitar que cerremos su cuenta. g Cémo guecfio Hacer Pages? Puede hacer el pago de diferentes maneras: 1. Mediante los Servicios Bancafios por Internet, ingresando a disponibte en Engiés Unicamenie}: 2‘ For medic de Ea app de ios Sewicios Bancarios par Mévél d8 Capital One paw dispositivcs electrénicas aprobados ijsewicio dispanibfe en ingEés finicamente}; 3. Mediante e1 Sistema Opencrom de Respuesta: liamando al nflmero de ieiéfoao apatece 3! freme de es‘ie estado de enema y séguiendo Eas insérucciones; 4; Mediante 81 emrio de pages per sorter) postal can 8E cupén de page 0 {a infermacién de su cuanta a sa direccibn de page inciécada a! frame de este estado de Quanta. 3L; Quanta {servicio gCémo Tramitan Ios Pages? Cuando usted hace un page, n05 autoriza para iniciar ma transaccién a través de Ia Cémara de Compensacién Automatizada (ACH, per sus siglas en inglés) Q un paga electrénico que se éebitara de su cuenta bancaria o de alguna otra cuenta relacionada. A1 demos fin cheque 0 informecién sobre S'u cheque para hacer un page. nos auigriza para utilizar dicha informacién mm ei fin de hacer una soEa transaccifin desde su cuenta bancaria a través de la ACH u 03m método de transferencia eleclréniea. Es posibie rambién que se pmaese coma una fiansaccidn con cheque. Paede que Eos fancies se retiren de su events. bancaria e} mismc dia en que tramitemcs SU page. éCuéndq BcreditaréniMi Paggj‘ n- Los pagas por rrsévil‘ por Internet a per teléfono Se acreditarén eE dia Iaboraé en qua lss recibamos, siempre coma Se hace pars gm, Hora dei Esie Los pagss por correo se acreditarén ef dia Eabora! en que I05 recibamos‘ siemgre y cuando se reciban a mas {ardar a ias 5 pm, hora locai, en nuesiro centm de procesamiento‘ Babe enviar la pane inferim d9 caste estado de cuenta y su cheque a Ia direecién de pagc que aparece aE frente d2 este estado de cuenta. Haga sus envios par correc postal con al memos siete (7) di'a‘s laborales de anficipacién. Es posibie que pages enviados par carter; postal a cualquier otra direccién, a pages hecms de cuaiquier otra manera, no se acredééen a su caenta ei dia qua 103 recibamOS. LCémo Apriica‘n Mi Paggl Por io general‘ apiicamos I03 pagos hasia su Page Minimo primero al satdo con e! APR més baio (incluso cuanc’o dicho APR es rie 0”..jS y después a 10:: saldos con APR mas Enos. Cualquéer porcéén d9 su p390 que exceda su Pago Minimo se splice pn’mero a! safla‘o con e! APR mas alto y desgués a las saldos con los APR més bafos. Resumen de los Derechosje Facturacio’n 'No Se A iica a Cuentas nara Pa gems Negocios) Qué Hacer 5i Piensa que Hay un Errsr en Su Estado d9 Cuenta: Si usted piensa que hay un en's: en su estado de cuenta, escribanos a: Capital One P‘O, Bax 30285 Salt Lake City, UT 341303285. En su cafia, demos ia siguienie infermacién: o lnfermacién de Ia cuentaz Su sombre y e1 nflmem de caenta. o Caniidad en délams: La cantidad en défares del supuesto error. u Descripcéén def Pmbiema: S} usiea piensa qua hay un error en su facturaf describe is que uséed piensa gaze es incerrecto y p0: qué cree que es un emr. Debe camuaicarse con nosotros denim de Ios 66 dias séguiemes a Ea fecha en que e! error aparezca en su asiae’o Ge manta. Nos debe avisar gar escn'io some cualquier posibie error Puede Hamamos 0 noéificamos per véa electrdnica‘ perm 93 [a hace no nos veremos en la obligacién de invesfigar ningén posibie error y puede @229 usted {enga qua pagar Ea canifiéad en cuestién, Le enviaremos una fiofificacién par escrita denim dé ios 30 éias siguienaes a! {eciba de su cartav Mantras inuestigamos si se trata 0 no de un en‘or, sucederé E0 siguienie: . No podemos intentar mbiar la caaiidad en cuestién, ni reporéa; a Eas agencies de Enfor‘macién de crédiia que uste'ci se encuentra en eséado de incumplimienio per esa cantjdad. Ei cargo en cuestidn puede pes‘manecer en Si; estado de cuenia y podremos seguir cobréndoie intereses sabre esa cantidad. Sin embargo, 5i determinamm qua sometimes un error: asted n0 {endré que pagar 33 cantédad en cueséén ni ningt’m interés, cargo o cuota que se relacione con e33 camiciad, I Aunque n0 {iane qua pagar la cantédad en sueslit‘m haste que- Ie enviemus una netificacién con e! resultado tie nuestra iavesfigacibn: usied es responsable dei rests d9 su saido. o Podemes apéicar cualquier cantidad pendiente de page a su limits de crédito, En un plaza de 90 dias después de recibir su certa: 3e comunicaremog par escfito que hemos cortegido el ermr (correccién qua aparecera en su siguiente estado de cuenta} a Eas razones. por £35 que creemos que la factura e323 cerrecia. Sus Derechos en Caso de No Estar Satisfecho(a) can su Compra: Si usted n0 esié satisfechoiaj con log bienes 0 servicios que compré con su tarjeta de eiééito, g ha intentado de buena i'e corregir e! problem con ei comersiante: es poséble que Eenga e! derecho de no pagar i3 cantidad {estame adeudada por Ea compra. Para ejercer este éerecho, se deben cumplir £33 siguienteg candicianes: 1} Usied tiene que haber utiiizado su tarieta de czeé'rto para hater 9a compra‘ No califican ias wmpras con adetanloa de diném en eiectivo obtenie‘gs de un cajem autemético 0 con un cheque qua {enga acceso a su cuenta de tarjeta de crédito; y 2) Usied no ha terminado de pagar e2 iotal de Ea compra.Si se sample §on :0 anterim y usied todavia n0 esié safisfechofa’j can la compra, comuniquese con nasotros por escfiio a: Capital One PO; BOX 30285 Salt Lake City, UT 34130-0285 Miemras Envesfigamo; se apéicarén las mismas mglas mencionadas arriba a la cantédad baja reclamacéén. Una vez finaiizada Ea investigaoidn, Ee Enfomaremos nuestra decisién. Si en ese memento pensamos que nus debe una cantidad y n9 nos paga, podriamos repertar que Listed se encuentra en estado de incumpiimiento. {Q‘s 25119 Capital One. Capital One es una mama Ge servieios registrada a nivei federa¥ SYC-Det 07/0111 9 How can I Avoid Paying interest Charges? Ii you pay your statements New Balance in fulE by the due date, we wiiE not charge you interest on any flew transacfions that p052 [o the purchase segment. If you have been paying your acmunt in fuli with n0 lnteregt Charges‘ but then yGu d0 no! pay yOUr nexi New Baiance in fuux we win charge interest 0n the portion of the balance that you did noi pay. For Cash Acivances and Speciaf Transfeisr ‘wc wifl start charging lnteresi on {he transactiun date. Cenain prommicnal Dfiers may aiéow you {o pay less ihan the toEaE New Balance and evoéd paying Interest Charges on new purchases, Please refer to {he front of your statement for additionai informatim How is the Intere§t_Qharggggglied? Eraivrest Charges accrue from the date of the transaczion er the firsi day 03’ the Biiiing Cycle, interest Charges accrue 0n every unpaid amC-unt until it Es paid in full. This means you may owe Interest Charges even if you pay the entire New Baiance for one BiEHng Cycie: bui did net d0 so the previous Billing Cyde. Unpaid InterESt Charges are added to the corresponding segment of your accouni. How do vou Caiculate the Interest Chagge? We use a method caller} Average Daily Balance (inciuding new transactions}. .First, for each segment we take the beginning balance each day and add in new transactions and the pencdic Interest Charge cm the preuinus day‘s balance. Then we subiract any payments and credits f0: aha! segment as 0f {hat day. The result is the daily balance for each segment. However, if your previous staéément balance was zero or a credit amount: new transactions which past to your pmahase segment are not added t0 me daily balance. ,Nexi: for each segment, we add the daily baiances together and divide the sum by the number of days in ihe BiEIing Cycle. The result is me Average Daiiy Balance far each segment, .At the end m each Biliing Cycle‘ we mummy your Average Daiiy Baiance for each segment by the daily periodic rate (APR divided b-y 365} for that segment, and then we muiiiply the result by the number 0f days in the Biliing Cycie. We adé the Interest Charges far ali segments together‘ Ewe result is your total Interagt Charge far the Biiling Cyde. ?Efie Average Daily Balance is referred 10 as {he Balarace Subject t0 Interesi Rate in the inierest Charge Calcuéatfion sectior’: 0f this Séatement. NOTE: Due 1.0 rounding or a minimum Enierest Charge, this calcusaflon may vazy sligfrzfiy from the Interesz Chayge actuaifiy assessed. How can my Variable AFR change? Your APRS may increase or decrease based 0n one 0f the following indices (reported En The W31} Stree! Jauma! XL The ietter code beécw Garresponds with the letéei’ next m your APRS in ihe E&Eerest Charge Calmiatiun section 0f this Statement ....h M Ln) Code next to How do we calculate your APRKS}? Wheniyeur APRis} wili change yum APREIS) Index + margin P Prime Rate + margin The first day 03’ the Biiling Cycles L 3menth LIBOR + margin ending irz Jan“ April; July, and Oct. D Prime Rate + margin The firsi day of each Billing Cycle; F i menth LIBOR + margin Haw can I Avoid Mermbetghig Fees? IE a Renewat Notice is printed on this stazemeni: you may avoid paying an annual membership Fee by contaciing Customer Service nc later Shari 45 days after the East day in the Billing Cycle covered by thi‘s statement to request ihat we close your accouni. To avoid paying a monthly membership Fee: close yaur account and we wiEl slop assessing your mommy membership Fee. How can i thse Mg Account? You can contact Cuszomer Service anytime to request that we close your aceaunt. How do I Make Paflents? You may maize yam payment in severai ways: ‘i. Online Banking by iagging mm your account; 2, Capital One Mobiie Banking app far approved eéectmaéc devices; 3. Calling the {elephane number listed or: the frcnt of this staéemen! and pmviding the required payment information; 4. Beading mail payments to the address en me Ema! of this smtement wizh ihe paymem coapen or your account informaiion. 11H How do you Process Payments? Wnen yam make a payment: you auihonfze us t0 initiate an ACH or eéecimnéc payment that will be debited from your bank account Gr ofiher related accomt. When you provide a check or check informafion to make a paymém, yOu antheréze Us {a Use Ehformation from the Check t9 make a one-Emé ACH or other efectronic transfer from yOur bank account. We may also process it as a check iransactian. Funds may be withdrawn from your bank account as soon as the same day we process yQUr payment When win you Credit My Payment? u For mobile; anine 0r over the phgne‘ as of {he business day we receive it, as ieng as it is made by 8 pm. ET. For mail. as mi {he business day we receive iL as tong as it is received by 5 pm. local time 31 our processing center‘ You must send the botéom partion of this statement anti your check to the payment gddress on the from of this statement Please aNow ét least seven {7) business day's far mail delivery Mailed payments received by us at any other location or payments %n any other form may not be credited as of the day we receive them How do you Aggly Mg Payment? We generally appiy payments up to your Minimum Payment first to the balance with the lswest APR (including 0% APR}, and Eben [a balances with higher APRS‘ We apply any part of your payment exceeding your Minimum Payment to the baiance with the highest APR; and Eben [o balances with iower APRS. Elana Riqhts Summary (Does n0: Ami? lo Small Business Acmumsl What Ta Do ff You Think You Find A Mistake 0n Yaur Statement : If yes think there is an error 0n your statemeni, wn’té to us at: Capitai One PO. Box 30285 Salt Lake Cééy, UT 841 30-9285 In your letter, give us the feilowing information: o Account informatioa: Your name and amount number. o Dollar amount: The dollar amount of the suspected error. o Descrigfiion of Prcbiem: Ef you think them is an error on your biél, describe what you beiieve Es wrong aad why yet: believe i3. Es a mistake. Yea must coniact vs wiééwin 8f) days afier the error appeared 0n your statement. You must notify :3 of any potential errars m wfiiiag. YGU may «:aEl us or nofiiy us eiecironicalwi but if you dc we are not required £0 investigfie any poientiat errurs and you may have to pay {he amount in qsesfion. We win notify you in wfifiag within 30 days of Our receipt o§ your letter, Whiée we invesiigate whether or r20: there has been an error! the fcliowing are true: o We cannot try t0 aaiEect E3123 amount in question, 0r report yea as delinquent an thai amount The charge in quesfion may remain 0n your siatement, anti we may continue to charge you interest 1m that amoum. But. s we determine that we made a mistake: you will not have {0 pay the amount in questian or any interest or other fees reéated t0 that amounz u Whéle you d0 not have to pay the amount in question until we send you a notice about the outcome of our investigation: you are responsible for {he remair‘sder oi your balance. o We can aggly any unpaid amouni againsi you: crééit Hmit‘ Within 90 days 0f our {eceipt 0f your letier. we will semi yea a writien notice explaiaéng either that we cmrected the emar {to appear 0n yorjr next statement} 0: the reasons we beiieve the "DEN is correct. Your Rights if You Are Dissatisfiéd With Your Purchase: If you are diSSatisfzed with i‘ne goods o: services that yau have purchased with year credit card? and you have tried m goed faith :0 correct the problem with the merchani, you may have ihe right no: {o pay the remaining airman: due 0n the purchase, To use this fight, Lfie fotlowing must. be true: 1';- You must have used your medét card for the pumhase. Purchases made with cash advances from an ATM 0r with a check ihaé accesses your credit card account d0 am qualify; and 2} You mus: not yet have fuléy paid for the purchase 1f aEl of the orfieria abeve are met am you are stilt dissatisfied with the purchase‘ csntaet us in vaiimg at Capilai One PD Bea; 30285 Salt Lake Ciiy, UT 84130J3285. Whiie we investigate, Line same rules appfy to ihe d§sputed amount as discussed above. After we finish our investigaiion, we wiiE tel! you our decision. Ai that pain; if we think you owe an amount and you d0 net pay we may repon you as delinquent. FE, 2019 Capital One“ Capital One is a federally registered sewice mark ETC-Gzi 97mm 9 Eciids @éaQRI weniahaSQ Mom,e]Depafiam6{tt9deRecupéradéndePandasestéencargadodesuQuanta. SEiienealgunapreguntasabreesteaviso,{Eamegratisat1z800-258~9319. 201 145 Yam agmum has gé‘aarged @fi. it és now being serviced by the Recoveries department. Cali 3-800=ZS8-9319 if you have questions about this notice.
