Declaration CCP 585

Cal. Super. - 6th Dist.April 26, 2021

Electronically Filed by Superior Court of CA, County of Santa Clara, on 8/12/2021 10:46 AM Reviewed By: A. Villanueva Case #21CV380961 Envelope: 7048004 21CV380961 Santa Clara - Civil A. Villanueva \OOOQQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28' Adam Brumage, SBN 283 1 80 Maria Bradish, SBN 2883 84 Don Phan-Huy, SBN 309853 Ryota Isozaki, SBN 32 1 040 Derrick Uhri, SBN 321161 Matthew W. Keim, SBN 33 1020 Eric Marquez, SBN 33 1 023 Karlie D. Schafer, SBN 331884 Lisette Jade Misty Baptiste, SBN 334036 Fabiola Rivera, SBN 334563 ' The Moore Law Group, APC ‘ P.O. Box 25 145 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, N.A., CASE NO. 21CV380961 Plaintiff, PLAINTIFF’S AFFIDAVIT IN SUPPORT OF DEFAULT JUDGMENT vs. . ‘ [CCP SECTION 585] ISMAEL S BELTRAN, Defendants. Aw \OOOQON 10 11 12 13 l4 15 16 17 18 19 20 21 22 23 24 25 26' 27 28 BMAll SUPERIOR COURT OF CALIFORNIA JPMORGAN CHASE BANK, N.A., Plaintiff, VS" _ ‘CASENO; 2101380961 ISMAEL S BELTRAN, Defendants. DECLARATION OF FACTS BY ORIGINAL CREDITOR ~ I, Carolina Cardenas Carrera, declare as follows: 1. I am over 18 years old and competent tomake this declaration. I am an employee and Authorized Signing Officer for JPMorgan Chase Bank, N.A., successor by merger to Chase Bank USA, N.A. (“P1aintiff’).1 -I have access to Plaintiffs‘ books and records, (“Business Records?’), and I am authorized to make this declaration ofi behalf 'of Plaintiff. The statements herein are based upon my personal knowledge obtained fibm my review of the fiusiness Records. t 2. Due to the nature and scope of my employment duties, I have continuing access to Plaintiffs Business Records and have personal knowledge of Plaintiffs procedures for creating and- maintaining these records. .Plaintiff’ s Business Rebords are: (a) made at or near the time' ofthe occurrence of the matters s¢t forth therein; (b) made by, or from information transmitted by, persons with knovizledge and a business_duty to report, or are made' by a cbmputer or other similar digital means which contemporaneously records an event as it occurs; and (c) kept in the course of Plaintist regularly conducted business activities and it is the regular practice of Plaintiff to make such records. 1 Effective May 18, 2019, Chase Bank USA, N.A., merged with and info JPMorgan Chase Bank, N.A. ' Page 1 of 3 CL 0F FACTS BY ORIGINAL CREDITOR llHllllflllllfllfllfllNlulllllllWHIWWWWIOIWH IHI NI Mlllllllfllflllllflfllllll M Doc Page 1 of 3 SD_SwornDobumentExecution_‘000262990009 IIIIHIIIIINIIIIMIIlIINIHI 10 11 12 13 14 15 16 . 17 18 19 20 ' 21 22 23 24 25 26 V 27 28 B44A11 \OOOQONUI Doc Page. 2 of 3 I ~ JPMorgan Chase,Bank, N.A. v. ISMAEL S BELTRAN 3. Plaintiff‘s Business Records show that ISMAEL S BELTRAN (“Defendant”) opened an ' account with-Plaintiff or its predecessqr for the purpose of obtaining an extension of'credit.on 08/12/2017 (“Account”); The last four digits of the Account number are 9937.. 4. After opening the Account, Defendant did use or authorize the use of the Account for the acquisition of goods, serviées, or cash advances. Defendant failed to make the required payment(s) on the ' Account and demand for payment has been made. 5. Plaintiff.provid¢d Defendant periodic billing statements for the AC_count. The periodic billing statements described the charges 6n the Accoufit along with interest, fees,‘ payments, credits, and the amount due 9n the :Account. Based on my review of Plaintiffs Business Records relating to Defendant’s Account, there are ho- unresolved billing disputes rcgarding the Accoimt. A true and correct copy of the last periodic bllling statement provided to Defendant ls attached hereto as Exhibit A. 76. The last payment in goodand collectable funds on the Account was on or about 07/17/2020 ' in the amount of $100.00. The last charge, balance transfer, cash advance, or other debit that was imtiated . by Defendant and charged t6 the Account was on or about 09/09/2019 in the amount of $64.79. Credit has been given to Defendant for all'just and lawful offsets, payments, and_ credits as of the signing of this declaration. I . 7. The balance due and owing on the Acéoupt as of the signing of this declaration is $7,444.61. ‘ Page 2 of3 TION 0F FACTS BY ORIGINAL CREDITOR “\flllllmllflfllflllfllflllmflDHIIIIHMIIIIHIHHIIJIIJII IUI W“ Mllllllmllflllllmlfll WI SD_SwornDocumentExecution_000262990009 llfllllfllllllfllllmmlmllfl LII \O 10 11 12 ‘ 13 14 15 16 " 17 18 19 20 21 22. 23 24 25 26 27 28 EMA] 1 hWN OOQQ Dated: 08/03/2021 . > TitLe ofDeclarant: Authorized Signing Officer Do’c Page 3 of 3 JPMorgan chase Bank, NA, v. ISMAEL s BELTRAN 8. Wherefore, Plainti'ffrespectfully requests thaf this Court enterjudgment in favor of plaintiff JPMorgan Chase Bank, N._.,A against defendant ISMAEL S BELTRAN 1n the principal sum of $7,444.61. Plaintiff does not seek post-charge--off interest or fees. I declare under penalty of perjury under the laws of the State of Califofnia that the foregoing is true and correct. Declarant Name: Carolina CardenasCarrera Declarant Signature: WWW ' SD_SwornDocumentExecution_000262990009 Page 3 of 3 NOF FACTS BY ORIGINAL CREDITOR WWWMWMWWWW" ggmaWMWMWWWWWW ’ Doc Page 2 of 5 I ‘ g Manage your account onllne a1: #1:“‘ Cus1omer Service: 2‘: Manna: Download maC I IASE ‘ "mm” 1-500-524-3 a Chase Mobile”app today‘ . g; 3522661 CHASEFREEDOM UNLIMITED s M T w T F M s - D REWARDS SUMMARY ‘ 2 a 4 5 6 mlmum Payment ue Igpre louspé'hmbglm _ . 1 _V __.. I A _ ‘ o-fi 9 1o 1 1 12 13 $1 5930'00 '+ 1.5% 9.5 PtsZSfi'eamed'on all purchases ‘ OPayment Due Date .+v‘1-.5%(1.5..Ptsy$1 addlon Dining purchases O - 15 16 17 13 19 2° 1 1[08/20 +115%('1.5‘P's)/$1 addl on Drugstore purchases O 22 23 24 25 26 27 ‘ V'+ S.5°/o'(3.54Pt3)/$1 a'ddl‘on Ult-fiewards travel O 29 so 1 2‘ a 4 'A‘fotal points available for 6 7 a 9 1o 1 1 redemptiofi - ~ '= O Late Payment Warnlng: If we do not receive your minimum I payment by the date listed above. you may have to pay a late fee of up to $37.00. Mlnlinum Payment Warnlng: 1f youmake only the minimum Stan redeeminglaod‘a'w-wm umrhéta-Rewamw at www.ullimaterewgrdsgom You éam unllrnited 5°/n Cash Back rewards on travel purchased through Ultimate Rewards. unlimited 3% cash back on dining at payment each period. you wlll pay more in interest and it Will 18KB restaurans and drugstore purchases, and unlimited 15% cash You longerb pay °fi y°ur ba'ance- F°r example: back on all other purchases. It‘s automatic! Redeem for cash with If you make no You will pay off the And you will end up, 2: taLgigfrndigguggasr' Ba?!‘ rewards do "m eXp're as long ‘ additional charges balance shown on this paying an estimated y p ' using this card and statement in about... total of... ' each month you pay.-.. Only the minimum 18 years ~ $1 7.234 payment If you would like information about credit counseling services, call 1 -666-797-2835. ACCOUNT SUMMARY.“ Account Number:- 9931 4 _, 7 Previous Balance ‘ ’ 4' I. Payment, Credits Purchases t I Cash Advances _. Balance Transfers ‘ ' Fees Charged v . Interest Charged _r I 1m ' ' New Balance I » , ' $7,444.61 Openlng/Closing Date ‘ . 09/12/20- 10/11/20. Credit Acwss LJne 4 | A I I Available Credit Cash Access Line Available for Cash _ > Past Due Amount a . ~ " Ealanoe over the Credll Accesé Uné. SD SwornDocumentExecution_000262990009 YOUR ACCOUNT MESSAGES You aie,over your credit line/credk access line by $44.61 . You can pay down your balance faster by including this amount with your payment: Your account is closed and no longer available for use. CHASE 1“!” P.o. Box 15123 . Payment'dfié Date. ,The Past Due 1 1/03/20 WILMINGTON, DE 19850-5123 . r . _ > For UndeliverabIe-Mail Only amaingtejia7;§ff '5 New Balafla- $7,444.61 ‘ Minimum Payment. “ _ $1 ,930-00 ‘ fl " . - 993.7 ’ $ Amount Enclosed Make/Mail to Chase Card Service at the address bamw: ISMASL' “SA BELTRAN 2464 U MER SAN JOSE CA 951 16-3754 CAHDMEMBER SERVICE PO BOX 6x4 ‘ . CAROL STREAM IL 601 97-6294 . ___ _ ||||||H||fl| IHII |||| WI \l IHIHIIIIKI ll Hill IIIIINIIIHIIIHIHI |||l|fl||l| “llflllllll , WW Doc Page 3 of 5 To contact us regarding your account: omer Nice: 4 In U.s. 1-500-524-3880 ? E ~®® Spanish 1-388-446-3303 ~ ‘ _ IPay by phone1-soo-435_7gsa Send Inqulrla (o: Mail Payments to: Vlsn Our Websne: International 1-502-594-8200 P.O. Box 15293 P.O. Box 6294 We accept operator relay calls Wilmington. DE isaso-szsa Carol stream. IL 60197-6294 Inturmallnn Ahuul Yuur Account Maklnu Your 'Pavmama: -The amount 01 yuur paymem should be at lean your mlnlmum payment due. payable In U.$. dollars and drawn on or payable through a. U.S. financial lnsmutlun nr the U.S. branch oi a foreign financial lnslflutlon. Ynu can pay dawn balances faster by paylng more man ins mlnlmum paymanx or me mtal unpaid balance nn your account. You may make payments aleclmnlcally mmuuh our website nr uy one o! cur customer service phuna numbers above. In using any uI these channels. you are authorzlng us to wlthdmw funds as a one-uma electronic funds uans1ar from your bank account. In our automated phone system, thls aulhorlaflnn ls provldad vla entry a! a personal Idsmlflcatlnn number. You may revoke Ihls authorkatlcn by cancelling your payment \ through our website or customer ssrvlns telanhons numbers prlnr to ma paymsm nrncasslng. [f wa receive your completed payment reques‘ through una a1 thasa channels by 11:59 n.m. Eastam Tlms. we wIH credlt your payment as o! that day. Ii wa receive your mquast aflnr 1 1:59 p.m. Eastarn Tlrnu, we wlll cradlt your paymam as of the next calendar day. 1i you snecfly a future data In your request we will credit your paymem as n! that day. ll you pay by regular LLS. mail m the Paymen‘s address shown un ml; statement. write ynur account number an your check ar money order and Include (he paymem coupon In ma envelope. Do not sand mare than one uaymem or cuupnn per envelope. Du nu! staple, cllp or lap: ma documents. Do nut Include carrespnndance. Du nnl send cash. If we receive yuur yroperly prepared payment on any day by 5 p.m. local tlma at nur Payments address un ml: sxétemsm, wa wlll cred" tn yuur account (ha! day. 1f your payment is received after 5 p.m. lucal tlme at our Payments address an mls statement, we wlll cram: It tn ycur account as DI me next calendar nay. Far all alher payments or for any payment typé ahnva fur which you do nnl fullaw our instr u! your . , may be , far up to 5 days. Account Inlnrmallon flapnnaa 1b nmflll Bureau: Wu may report Information about yuur Accnunt to credit bureaus. Late paymens. mlssed payments or other daiaufls an your Account may be raflec‘ed In your credlt report. I! you thlnk we have repurted inaccuratn In'ormatlon (a a cred" bureau. please wma m us at Chase Card $Nluas P.O. Box 15369, Wllmlnoton. DE 19550-5369. To Sunlua And Manage Any DI Your Accuunfls): when you qlva us yuur mahlle phone number. we have your permlsslon to cumad yuu at max number abyu‘x all your Chase or J.P. Morgan acccurits. Your consent allows us to use text mesmging. amflclal ar prerecurded value messages and automatlc dlallng technology Var lnformatlonal and account servlce calls. but not far (elemarkellng or sales calls. II may Include comafi 1mm companies wn rklng on our nehallm service your accounts Message and da‘a rates may apply. You may aanlacf us any‘llma to change mesa prefarennes. Aulhurlzallnn Tu Convert Your Chunk Tu An Elsnlmnll: Tranalar Deb": When you provide a check as payment. you authnrlze us eiiher m use information from your check lo make a one-llme electronic fund iransfar from your account or (a process the payment as a check. Your bank account may he debited as soon as the same day * we recelve your payment. You wlll not recelva-your check back from your Insmuuon. cunfllllonal Payments: Any payment check or omsr lam: nl payment that you sand us fur less than lha full balance dua that [s marked "paid in lull" or contains a similar notatlan, or tha‘ you u(harwisa tender In full satlsfactlnn of a dlsnulad gmount, must be sank (a Card Services. RD. Bax 15049, Wllmlnginn. DE 19850-5049. We reserve all our rlgms regarding these payments (3‘9” ll it ls datermlnad them is no valid dlsnute or fl any such chuck Is recalvad at any oiher address, we may accept lhe chunk and you wlll still owa any remalnlng balanca). We may refuse to accept any such paymem hy miurnlng l1 (a you, nut cashing It or dostroying’lt. All other payments that yuu maka should he sank ta the regular Payment address shown on this statement. Annual flsnawal anlca: I1 your Account Agreement has an annual membersnlu fee. you ’are responsible tar It every year ynur Account ls open. We wlll add your annual membershlp fee lo your mommy bllllng statement once a year. whether or not you use your accnunt. Your annual membership fee wlll be added to your purchase balance and may Incur lmerest. The annual membership lee‘ls dcn-ralundabla unless you notify us that yau wish to close your account within 30 days or une hllllng cycle (whichever ls less) aher we provide the statement an whlch xhs annual mambershln tee ls billed. Your payment ol me annual membershln lee dufi no! affect cu'r rights (a close your Account and ta llmit your right to make iransacllans an yuur Accnunt. If ynurAccnum ls clased by you or us, [he annual membership Iee wlll no longer be billed m your Accoum. ' - calculsllun 0| BalancarSunlacl To lnIaraul Rule: To tlgure your periodic Interest charges for each hlmng cycle when a daily perladlp rats(s) applies, we use the dally balance method (lncludlng new tmnsamlnns). Tu llgure your perindlc Interest charges for each bllllng cycle when a monthly perlodlc rata(s) applies. we usa (he average daily balance (u new u ' ‘ For an 01 ellher method. or quesflons about a‘uanlcular Interest charge calculallon on your summenl. pleasacall us at the mllfrae customer service phone number listed above. We calculate perlodlc Intarasi chargas separately tor each {nature (for example, purchases. balance transfers. cash advances ur overdraft advances). These calculatlnns may combine dmarqnt catagnrlss wnh me same narlndln-mles. Variable rams wlll vary wflh the market based url tha Prime Hale Dr such Index described In your Account Agreement. Thhra ls a (mnsacflon vac far each balancu transfer, cash advance, or check tmnsacflun lrnhe amaunt stated lnyourAccuumAgmement. There ls a furalgn transaction fee uf 3% o! the U.S. dollar amount ol any lorslgn transacilon (or sum: accounm. Pins: see your Account Agreement far Information abnm lhesu fees. Wa'add (ransactlons and fees (a your daily balance nu earllerihan: .A . the data of (he lrarsactlnn -(or new purchases, balance transiars, overdraft v advances. cash advances. or My chase Luans‘, M.tha dale the payee deposlts lha check - for new cash advance checks or balance lrans‘er checks; .‘J the dale ul a related tmnsacllon, ma data they are posted ta your accuum. or the last day of ihe billlng cycle;whlchever we may :housa-lor fees How To Avuld Paylnu Inlamsi 0n Purchases: Your due dam wlll be a mlnlmum o! 21 days aflertha close of each bllllng cycle. l! you pay your account (or Interest Savlng Balance) in full each bllllng perlod by the data and xlme due. no lmalest ls charged on naw purchases month (o month. Also. we wlll no‘l Impose Interest charges on any pnmnn 01 a purchase balance you repay while mm balance Is sublect (o an Interes1- tree nerlod. Sublet: m any lnxeresi-lree perlod for new purchases, we wlll begin charging Interest 1mm the data a lransamlnn (lncludlnu any balance transfer. cash advance or nverdrafl advance), fee or lmaer charge ls added m your dally h'alanca untll your account ls pald In (ull. Because we apply payments In excess of your mlnlmum paymenlflrst to hlgher rate balances. you may not be able io avoid Interns: charges on new purchases II ynu have anolhnr ualanca a! a higher Interest rate unless you pay your halancs (or Interest Saving Balance) In lull each month. cred" lell: l1 you want to Inquire aflout your options to help prevent your account 1mm exceedlngyour credlt llmit. pleas: call the numbsr an (he hackuf your card. wnal Tn Do ll Ynu Tnlnk Ynu Flnd A Mlslaka On Vnur Statement: ll you think there ls an error an your statement. write (a us an a separata sham a! Customer Sarvlaa. HO. Box 15299, Wllmingtun. DE 19850-5299. ln your letter. give us (he lollowlng Informatlon: - Account lnlormaunn: Your name and Account number. - Dollar amount: The dollar amount u! the suspected error. - Dasariptlan a1 Problem: I1 yuu think mam ls an armr nn your hill. describe what you balleve ls wrong and why you helluva n l's a mistake. Yuu must contact us wllhln 60 days after me error anneared un your siatemenn You mus1 nntily us n! any polsnflal arm's In writing. You may call us or nmlfy us alectmnlcally, but ll yuu do wa are nm required Ia lnvasflgale any patentlal urrnrs and you may have to pay (ha amnun! In quasfinn. While we lnvestlgata whether or nm there has been an error, the following are true: ~We cannot try to collect xhe amuum In question. or report you as delinquem an that amount. -Ths chalge ln quesxlon may remaln on your statement, and we may conllnue to charge you lmarest on lha! amoum. But, ll we dmarmlne (ha! We made a mlsmke. yuu wlll no! have (a nay me amount In question nr any lmaresl or other lass related la that amount. - Whlla you do not have to pay the amount In questlon. you are responslble fur me remainder of your balance. < We fin apply any unpaid amoun! agalnst your credit Ilmlt. Vnur Rluhls ll You Am Dlssallsilad Wllh Yuur credll Card Purchases: H you are dlssatlsfled with me goods or servlces xhal you hava purchased with your cradlt card. and you have med In good (aim m correct ma problem wflh 1h: merchant. you may hava me right nut m oay 1h: remalnlng amount dun un the purchase. To use this rlqht. all 01 the fnllowlng must be true: 1. The purchase must have be'en made In your home state or within 100 miles o! ynur current malllng address. and the purchase price mus! have been mare than $50. (Nate: Nether cl these are necessary i! ynur purchase ms based on an advenlsememwe malled (a you. or ll we awn the company ma! snld you the goods or servlces.) 2. You musi nave used your credlt card lorthe purchase. Purchases made wflh cash advances 1mm an ATM or with a check (hm accesses yuur credit card Account do not quallfy. 34 You must not yet have fully paid lor 1h: pumhasa. ll all oflha cmarla above are met and yuu are sflll dlssmlsfledwnh (he purchase. cont_acl us In wmlng a! Customer Service. P.0. Box 15299. Wllmington. DE 19850-5299. Whlla we lnvesllgate, ihe same rules apply to the dlsnutad amount as discussed ahove. Aflerwe 1Inlsh our Investigation. we wllltell you our declslon. At that palm. ll wa thinkycu owe an amoum and you do not pay we may report you as dellnquem. MAO4252D1 9 n 000262990009 IO SD SwornDocumentExecut . - -| To manage your account, including card payments, alerts. and change of address, visit Chase.cornlcardhelp or call the customer service number which appears on your account Statement . NH lllHlIlI! IIIHIII Ill W Ill H IN INHHIIII || ll {IIIIIIIIIIU IIWI || l‘l ll ||||l||l||||||fl Pkg Page 6 of 8 Mange your account Enline at: flwkcflsse.Oolmcal'dhe QCHASEWgmy ACCOUNT ACTEVETY W Customer Service: fig: 1-800-524‘3880 Doc Page 4 of 5 Mobile: Download the _ Chase Mobileeapp today Date of I _ , » Transaction Merchant Name’or TranSacfion Description $ Ama'unt lNLERESLC ARGED 10/1 1 PURCHASE INTEREST CHARGE {43.80 . $1 43.80TOTAL INTEREST FOR THIS PERIOD. Total fees charged In 020 Total interest charged in 2020 ' "$333.60 ‘ $1 386.51 Year-to-date tmals do not reflept an‘y fee or Interest refunds ' you may have received. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. _ Annual Balafice Balance Type ' - Percentage Subject To Interest , ‘ Rate (APR) Interest Rate Charges ,fmU50, H‘Asgeafi ' A t m r «x > :- ’ Purchases 23.74% (v)(d)' $7,370.06 $1 43.80 CASH:”Wong‘s ‘ Cash Advances 24.99%. (v)(d) - O - - O.- Balance Transfer 28.74%(v)(d) - O '- - O - (v)_- Variable Rate (d)_- Daily Balance Method (including new transactions) (3)..- Average Dally Balance Method (including new transaciions) Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate. Annual Renewal Notice, How to Avoid Interest on Purchases. and other imponant information. as applicable. ISMAEL S BELTRAN Page 2 of 2 MWHWWWWW 30 Days in Billing Period 7 SD SwornDocumentExecution_000262990009 \ St'atement Date: 10/1 1/20 WWWWWWW Pkg" Page 7 or a fllflllllll‘llllllfllfllWWIIW‘lfltfllllllWWWWUl‘lm"WIWIflllllllllmllflllmlmlmllfllflHllfllilllflllfllfllfll‘llllfl