StatementCal. Super. - 6th Dist.April 28, 2021lO ll 12 13 l4 15 l6 l7 l8 l9 20 21 22 23 24 25 26 27 28 21 CV381094 Santa Clara - Civil File No. 20-07604-0 Benjamin Mettias State Bar No. 336007 Jamie Allison Forbes NELSON & KENNARD 5011 Dudley Blvd, Bldg 250, Bay G, McClellan, CA 95853 P.O. Box 13807 Sacramento, CA 95853 Telephone: (916) 920-2295 Facsimile: (916) 920-0682 Attorneys for Plaintiff BANK OF AMERICA, N.A. D Harris Electronically Filed by Superior Court of CA, County of Santa Clara, on 6/1 8/2021 3:00 AM Reviewed By: D Harris Case #21 CV381 094 Envelope: 6675789 SUPERIOR COURT OF CALIFORNIA COUNTY OF SANTA CLARA LIMITED CIVIL CASE BANK OF AMERICA, N.A., Plaintiff, VS. THANH TAI TRUONG, et al., Defendants. VVVVVVVVVV CASE NO. 21CV381094 STATEMENT OF ACCOUNT BankAmericard” THANH TAI TRUONG 3531 LAFAYETTE ST APT 2 SANTA CLARA CA 95054-271 4 Account Summary Customer Service Information: u /\\ www.bankofamerl'ca.com BankOfAmerlca ’/./ 1.800.421.21 1o Previous Balance $5,775.47 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $100.48 New Balance Total $5,875.95 Total Credit Line $4,000.00 Total Credit Available $0.00 Cash Credit Line $1,200.00 Portion of Credit Available for Cash $0.00 Statement Closing Date 03/19/2019 Days in Billing Cycle 28 TTY: 1.800.346.31 78 Mail billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 February 20 - March 19, 2019 Account#- 5971 Payment Information New Balance Total $5,875.95 Current Payment Due $158.00 Past Due Amount $1 239.00 Total Minimum Payment Due $1,397.00 Payment Due Date 04/16/2019 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38.00 and your APRs may be increased up to the Penalty APR of 29.99%. Total Minimum Payment Warning: If you make only the Total Minimum Payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You wi|| payoff the And you will end up charges using this card balance shown on this paying an estimated and each month you pay statement in about total of Only the Total 19 years Minimum Payment $1 3,409.00 If you would like information about credit counseling services, call 866.300.5238. 5=|7l BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 THANH TAI TRUONG 3531 LAFAYETTE ST APT 2 SANTA CLARA CA 95054-271 4 Account Number:- 5971 New Balance Total $5,875.95 Total Minimum Payment Due $1,397.00 Payment Due Date 04/16/2019 Enter payment amount $ For change ofaddress/phone number, see reverse side. Make yourpayment on/I'ne at wwmbankommer/cafiom or Mail this coupon along with your check payable to: Bank of America I: 5q? Ln- THANH TAI TRUONG | Account #- 5971 | February 20 - March 19, 2019 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We WI'II not charge interest on Purchases on the next statement I'f you pay the New Balance Total I'n full by the Payment Due Date, and you had paid I'n full by the previous Payment Due Date. We WI'II begin charging interest on Balance Transfers and Cash Advances on the transaction date. TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges, we multiply each Balance Subject to Interest Rate by I'ts applicable Daily Periodic Rate and that result I's multiplied by the number of days I'n the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate I's calculated by dividing an Annual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we WI'II allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (including transactions made after this statement). Payment amounts I'n excess of your Total Minimum Payment Due WI'II be applied to balances with higherAPRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment. For your protection, we WI'II ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit LI'ne I's the amount of credit available for the account; however, only a portion of that I's available for Bank Cash Advances. The Cash Credit LI'ne I's that amount you have available for Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date: This date I's based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement I's not a payoff amount and may be subject to additional interest charges when you pay I'n full after your statement closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. © 2019 Bank of America Corporation 004 -000 - 000 - G CALCULATION 0F BALANCES SUBJECT T0 INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day I'n the billing cycle; (2) adding all the daily balances together; and (3) dividing the sum of the daily balances by the number of days I'n the billing cycle. To calculate the daily balance for each day I'n this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) add new Purchases, new Account Fees, and new Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance I's less than zero we treat I't as zero. Average Balance Method (including new Balance Transfers and new Cash Advances): We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a daily balance for each day I'n this statement’s billing cycle; (2) calculating a daily balance for each day prior to this statement’s billing cycle that had a "Pre-Cycle balance” - a Pre-Cycle balance I's a Balance Transfer or a Cash Advance with a transaction date prior to this statement’s billing cycle but with a posting date within this statement’s billing cycle; (3) adding all the daily balances together; and (4) dividing the sum of the daily balances by the number of days I'n this statement’s billing cycle. To calculate the daily balance for each day I'n this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) add new Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance I's less than zero we treat I't as zero. To calculate a daily balance for each day prior to this statement’s billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which WI'II be zero on the transaction date of the first Pre-Cycle balance); (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted I'n previous billing cycles. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account I's issued and administered by Bank of America. Bank of America I's a registered trademark of Bank of America Corporation. PAYMENTS - We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion of your monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your statement accompanying it. Payments received by mail after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 p.m. Central. Credit for any other payments may be delayed up to five days. Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (ID). No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers. We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a check or paper draft). Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you. If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. To stop payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication in this space. AB THANH TAI TRUONG | Account#- 5971 | February 20 - March 19, 2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Interest Charged 03/19 03/19 INTEREST CHARGED ON PURCHASES 100.48 03/19 03/19 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 03/19 03/19 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 03/19 03/19 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $100.48 201 9 Totals Year-to-Date Total fees charged in 201 9 $76.00 Total interest charged I'n 20'I 9 $31 4.93 Interest Charge Calculation YourAnnual Percentage Rate (APR) I's the annual interest rate on your account. Type of Annual Promotional Promotional Promotional Balance Interest Balance Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 22.49%V S 5,823.77 S 100.48 Balance Transfers 22.49%V S 0.00 S 0.00 Direct Deposit and Check Cash 22.49%V $ 0.00 $ 0.00 Advances Bank Cash Advances 27.24%V S 0.00 S 0.00 APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary) Important Messages You're a valued customer and we want you to know that we haven‘t received your current payment due. Please send your payment due today. If you‘ve already mailed it, thank you. Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account. please make a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. When this statement was created, the account’s Credit Line was in a restricted status and not available for use. Page 3 of 4 THANH TAI TRUONG | Account#- 5971 | February 20 - March 19, 2019 Additional Information Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online www.bankofamerica.com. Select your credit card account, click the “Information & Services” tab and then select the “Dispute a transaction" link under the “Services" section. Page 4 of 4
