Complaint Limited Up to 10K

Cal. Super. - 6th Dist.April 30, 2021

DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-BQSC-ZBOD07581 E45 PLD-C-001 ATTORNEY OR PARTY WITHOUT ATTORNEY (Name, Slate Bar number, and address): FOR counrufi ONLY FLINT C ZIDE, SBN 160369/SARKIS S KARAYAN, SBN 316926 LAW OFFICE OF HARRIS & ZIDE 1445 HUNTINGTON DRIVE, SUITE 300 SOUTH PASADENA CA 91030 TELEPHONE N0: 526-799-3444 FAX "0- W31): 626-799-8419 E-MAIL ADDRESS (Optional).- A‘l‘l’ORfiEYFOR (Name): PLAINTIFF Electronically filed SUPERIOR COURT 0F CALIFORNIA, COUNTY 0F SANTA CLARA by Superior Court of CA, 3TREETADDRESSI 191 NORTH IST STREET County 0f Santa Clara, ”mm ADDRESS: 0n 4/30/2021 10: 1 7 AM cm ANDZIP CODE; San Jose CA 95113 . _ , BRANCH NAME: SAN JOSE COURTHOUSE Revnewed By.AshIey MackenZIe PLAINTIFF JEFFERSON CAPITAL SYSTEMS LLC case #21 CV381 168 ' ’ Env #6351 654 DEFENDANT: TAN LAM E Dogs 1 To 5, INCLUSIVE CONTRACTE compLAmT E AMENDED COMPLAINT (Number): E CRoss_COMpLAmT E AMENDED CRoss.compLAINT (Number): Ju risdiction (check all that apply): _ ACTION Is A LIMITED CIVIL CASE CASE ”UMBER Amount demanded X_ does not exceed $10,000- exceeds $1 0,000 but does not exceed $25,000 jg ACTION Is AN UNLIMITED CIVIL CASE (exceeds $25,000) i: ACTION IS RECLASSIFIED by this amended complaint or cross-complaint 21 CV381 168 Efrem limited to unlimited Efrem unlimited to limited 1. Plaintiff“ (name or names): JEFFERSON CAPITAL SYSTEMS, LLC alleges causes of action against defendant" (name or names): TAN LAM DOES 1 T0 5, INCLUSIVE 2. This pleading, including attachments and exhibits, consists of the follmvlng nunber of pages: 3. a. Each plaintiff named above is a competent adult except plaintiff (name): JEFFERSON CAPITAL SYSTEMS, LLC (1) Ea corporation qualified to do business in California (2) man unincorporated entity (describe): (3) -other (specify): LIMITED LIABILITY COMPANY b.E Plaintiff (name).- a. Ehas complied with the fictitious business name laws and is doing business under the fictitious name (specify): b4E has complied with all licensing requirements as a licensed (specify): c,E Information about additional plaintiffs who are not competent adults is shown in Attachment 30. 4. a. Each defendant named above is a natural personE except defendant (name): E except defendant (name): (1)E a business organization, form unknown (1)E a business organization, form unknown (2)D a corporation (2)E a corporation (3)E an unincorporated entity (describe): (3)E an unincorporated entity (describe): (4)E a public entity (describe): (4)E a public entity (describe): (5) mother (specify): (5)E other (specify): " If this form Is used as a cross-complalnt. flalnflff means crass-oomplainant and defendant meanscmss-defendant. Pug. 1 of 2 Fmmmxféamfl” TAMSMB COMPLAINT-Conh'act Code of Clvu Procedure, § 425.12 PLD-tmm [Rem January 1.2007] DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-BQSC-ZBOD07581 E45 PLD-C-001 SHORT THE: JEFFERSON CAPITAL SYSTEMS, LLc Vs. TAN LAM CASE NUMBER: 4. (Continued) b. The true names of defendants sued as Does are unknown to plaintiff. (1) D Doe defendants (specify Doe numbers): were the agents or employees of the named defendants and acted within the scope of that agency or employment. (2)D Doe defendants (specify Doe numbers): are persons whose capacities are unknown to plaintiff. c. D Information about additional defendants who are not natural persons is contained in Attachment 4c. d, E Defendants who are joined under Code of Civil Procedure section 382 are (names): 5. D Plaintiff is required to comply with a claims statute, and a. D has complied with applicable claims statutes, or b. D is excused from complying because (specify): 6. D This action is subject t0 D Civil Code section 1812.10 D Civil Code section 2984.4. 7. This court is the proper court becauseD a defendant entered into the contract here. . D a defendant lived here when the contract was entered into. a defendant lives here now. . D the contract was to be performed here. . D a defendant is a corporation or unincorporated association and its principal place of business is here.D real property that is the subject of this action is located here.E other (Specify): CCP 395(3) anD-PU'P’ 8. The following causmc of action are attached and the statements above apply to each (each complaint must have one or more causes of action attached): D Breach of Contract m Common Counts D Other (specify): 9. E Other anegafions; Plaintiff is a debt buyer and the sole uwner/assignee of an agreement entered into by defendant(s) on a credit card account ending in 1742 with Plaintiff’s predecessor BARCLAYS BANK DELAWARE Plaintiff having ta ken said assignment for value. This account was purchased by piaintiff after 1/1/14. 10. Plaintiff prays for judgment for costs of suit; for sum relief as is fair, just, and equitable; and for a. damages of: $ $3,139.92 b. D interest on the damages (1)D according to proof (2)D at the rate of (specifil): percent per year from (date): c. D attorney's fees (1)D of: $ (2)E according to proof. d. m other (special): SUCH OTHER RELIEF AS THE COURT DEEMS PROPER. 11. D The paragraphs of this pleading alleged on information and belief are as follows (specify paragraph numbers): 04/ 2 7/2 02 l _ Date: DocuSIgned by: D FLINT c. ZIDE X0 SARKIS s. KARAYAN ’ SMAS S. Wmm o Io'Ebu 4 4 . (TYPE 0R PRINT NAME) ?gléfixgfijRE 0F PLAINTIFF 0R ATrORN EY) (Ifyou wish to verifl/ this pleading, affix a verification.) PLDWM [Rev- January 1.20071 COMPLAINT-Contract Paaezofz DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-BQSC-ZBOD07581 E45 PLD-c-oo1(2) SHORT TITLE: JEFFERSON CAPITAL SYSTEMS, LLC Vs. TAN LAM CASE NUMBER: FIRST (number) CAUSE OF ACTION-Common Counts ATTACHMENTTO Complaint D Cross-Complaint (Use a separate cause of action fonn for each cause ofaction.) 00.1, Plaintiff (name); JEFFERSON CAPITAL SYSTEMS, LLC alleges that defendant (name): TAN LAM became indebted to a. b. CC-2. $ plaintiff D othermame): within the last four years (1) (2) on an open book account for money due. because an account was stated in writing by and between plaintiff and defendant in which it was ag reed that defendant was indebted to plaintiff. m within thelast E twoyears fouryears (1) (2) D (3) D (4) m (5) (6) D for money had and received by defendant for the use and benefit of plaintiff. for work, labor, services and materials rendered at the special instance and request of defendant and for which defendant promised to pay plaintiff.D the sum of $D the reasonable value. for goods, wares, and merchandise sold and delivered to defendant and for which defendant promised to pay plaintiffD the sum of $D the reasonable value. for money lent by plaintiff to defendant at defendant's request. for money paid, laid out, and expended to or for defendant at defendant's special instance and request. other (specify): , which is the reasonable value, is due and unpaid despite plaintiff's demand, plus prejudgment interest D according to proof D at the rate of percent per year from (date): CC-3. D Plaintiff is entitled to attorney fees by an agreement or a statute CC-4. Other: D of$D according to proof. $3,139.92, which i5 the fixed and agreed amount, is due and unpaid despite plaintiff's demand. Plaintiff is the sole owner and current assignee ofthis account, whose account number at time of charge off ended in 1742, and was originally owned by BARCLAYS BANK DELAWARE, 125 South West Street , Wilmington, DE 19801 . CREDITSHOP CREDIT CARD COMPANY LLC, 504 LAVACA STREET, SUITE 930, AUSTIN, TX 78701, was the creditor at time of charge off. $3,139.92 was the balance at time of charge off, as shown by Attachment 1. The last payment was made on this account on August 14, 2018, as shown by Attachment 2. The debtor's name and address appeared in the original creditor's records prior to the sale of the debt or as of 12/31/13, as shown in Attachment 3. The names and addresses of all entities who have purchased the debt after charge off are as follows on Attachment 3. Plaintiff has complied with Civil Code Section 1788.52. Page Pagc1 of 1 FormApprmed for Optional Use CAUSE OF ACTION_c°mm°n counts Code of Clvll Procedure, § 425.12 Judicial Council of Callfomla PLD-C-001(2) [Rev. January 1. 2009] www. courflnfona‘gov DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-395C-ZBOD07581 E45 ATTACHM ENT ”1” DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-BQSC-ZBOD07581 E45 2 00000000 - 081961 - 0001 - 0002 MERCURY AccountNumber- 1742 March 18. 2019 - April 28, 2019 ' PAYMENT INFORMATION Page 1 of4 SUMMARY 0F ACCOUNT ACTIVITY If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $37.00. New Balance $3,139.92 ‘ Minimum Payment Due $282.60 Payment Due Date 05/25/201 9 Late Payment Warning: CONTACT US Call: 866-686-2158 Online: WWW.MERCURYCARDS.COM L Mail: CARD SERVICES, PO BOX 84064, COLUMBUS, GA 31908-4064 PAYMENTS AND OTHER CREDITS Previous Balance $3,139.92 Payments - $0.00 Other Credits - $464.08 Purchases and Adjustments + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $464.08 Interest Charged + $0.00 New Balance $3.1 39.92 Statement End Date April 28, 201 9 ‘ Days in Billing Cycle 42 ‘ Past Due $251.20 Overlimit $139.92 ‘ CREDIT LINE SUMMARY Total Credit Line $3,000.00 Credit Line for Cash $600.00 Total Available Credit $0.00 Available Credit for Cash $0.00 j Previous Balance Earned Redeemed Other Adjustments L Current Balance REWARDS SUMMARY OOOOO Post Trans Reference Date Date Description of Transactions Number Amount $ Credits TanLam -s4e4-os 03/28 03/28 Purchase Fin Chg Credit -$321 .25 03/28 03/28 Late Fee Credit -$138.001 Please tear at perforation and make payment payable to Card Services. SEE REVERSE FOR IMPORTANT INFORMATION. M E R C U R Y Account Ending 1742 CARD SERV'CES New Balance $3,1 39.92 Po Box 84064 _ I COLUMBUS GA 31903-4064 Minimum Payment Due $282.60 Payment Due Date 05/25/19 Check here fur any address changes and indicate any changes on reverse. TAN LAM 167 PICKFORD AVE H 0081961 Payment SAN JOSE CA 951 27-2050 T° Amount Enclosed CARD SERVICES PO BOX 70168 PHILADELPHIA PA 191 76-01 68 DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-395C-ZBOD07581 E45 Page 2 of 4 Tan Lam Closing Date 04f28l2019 Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing number. Please do not send post-dated checks as they will be deposited upon receipt. Late payments, partial payments or payments marked “payment in full" or with any other restrictive endorsement can be accepted by us without losing any of our rights under your Cardmember Agreement. We will re-present to your financial institution any payment that is returned unpaid. We may delay increasing your available credit by the amount of any payment that we receive for up to 1O Business Days. When Your Payment Will be Credited. If we receive your payment in proper form at the proper address by 5 p.m. Eastern Time, on a Business Day, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next Business Day. If the payment due date falls on a day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next Business Day. Business Day means Monday through Friday, excluding federal holidays. Allow at least 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. The correct address for express mail is Lockbox Services, Box #701 68, 400 White Clay Center Dr, Newark, DE 1971 1. Proper Form: For a payment sent by regular or express mail, proper form is a single check or money order, in U.S. dollars, drawn on a U.S. institution, with a single payment coupon from your billing statement. Include your name and the last four digits of your Account number. Unless sent by express mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips. No extra pieces of paper. Payment by phone or website: Payments made through our website, www.mercurycards.com, or through the Contact Us phone number shown on front of statement, and completed on a Business Day by midnight Eastern Time, will be credited as of that day. Otherwise, it will be credited on the next Business Day. Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us to use information from your check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive your check back from your financial institution. How to Avoid Paying Interest on Purchases: Your due date is at least 23 days after the close of each Billing Period. You will not be charged interest on Purchases in a Billing Period in which you pay the New Balance in full by the Payment Due Date. If you don't pay your New Balance in full by the Payment Due Date in a Billing Period, you'll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post to your Account, subject to applicable law. You will pay interest on Balance Transfers and Cash Advances from the date these Transactions post to your Account. How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the "Balance Subject to Interest Rate.“ We use the “Average Daily Balance Method (including Current Transactions)." For each balance, to determine an average daily balance, we start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end ofthe prior Billing Period. Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other adjustments. We add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance balance. We generally add other fees to the standard Purchase balance.This gives us the daily balance. A credit balance is treated as a balance of zero. Then, we add up all the balances of that balance type for the Billing Period, and divide the total by the number of days in the Billing Period. This gives us the Average Daily Balance for the balance. We multiply the applicable daily periodic rate by the Average Daily Balance by the number of days in the Billing Period. Variable rates: vary with the market based on the Prime Rate. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. If you think we reported inaccurate information to a credit bureau, write us at the Contact Us Address shown on your statement and address it to Card Services - DiSpute Resolution. Change of Address: If the information on the front of this statement is incorrect, please provide updated information: Name: Address: City: State: Zip: Horne Phone Work Phone Cell Phone Number: Number: Number: By giving us your mobile telephone number, we have your permission to contact you at that number regarding all accounts you have with us. Your consent allows us to use text messaging. artificial or prerecorded voice messages and automatic dialing technology for informational and account service calls. but not for telemarketing or sales calls. It may include calls from companies working on our behalf to service your account. Message and data rates may apply. You can change these preferences at anytime by contacting us. DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-BQSC-ZBOD07581 E45 Page 3 of 4 Tan Lam PAYMENTS AND OTHER CREDITS Closing Date 04/28/2019 03/29 03/29 Reinstate Fee Interest 03/29 03/29 Debit Total Fees for this Period 2019 TOTALS YEAR-TO-DATE “f Post Trans Reference g Date Date Description of Transactions Number Amount s g Credits E Tan Lam -$464.08 é 03/28 03/28 Purchase Fin Chg Credit -$4.78 g 03/28 03/28 Purchase Fin Chg Credit -$0.05 J $1 38.00 $326.08 $464.08 J Total Fees charged in 2019 Total Interest charged in 2019 $321 .25 -$326.08 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Purchase 0.00% Balance Transfer 0.00% Cash Advance 0.00% Balance Subject to Interest Rate Interest Charge $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 (v) = variable rate Enroll in AutoPay to ensure your payment is made by the due date each month. Manage My Account and go to the Pay Bill menu to enroll today. Visit www.mercurycards.com, select DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-395C-ZBOD07581 E45 Page 4 of 4 Tan Lam Closing Date 04f28l2019 How to Report a Lost or Stolen Card: Call the Contact Us number on the front of this statement. What To Do If You Think You Find A Mistake 0n Your Statement If you think there is an error on your statement, write to us at the Contact Us Address shown on your statement and address it to Card Services - Dispute Resolution. In your letter, give us the following infomation: o Account information: Your name and Account number. o Doflar amount: The dollar amount 0f the suspected error. o Description ofproblem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 clays after the error appeared on your statement. You must notify us of any potential errorsin writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error,the following are true: o We cannot try to collect the amount in question, or report you as delinquent on that amount. o The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. o While you do not have to pay the amount in question, you are reSponsible for the remainder of your balance. o We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been more than $50. (Note: Neither of these is necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a Check that accesses your credit card Account do not qualify. 3. You must not yet have fully paid for the Purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact usfn writing at the Contact Us Address shown on your statement and address it to Card Services - Dispute Resolution. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation. we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-395C-ZBOD07581 E45 ATTACHM ENT ”2” DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-395C-ZBOD07581 E45 fi BARCLAYS Eardaycard Reward? 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[-tw'l'ui'? c nup‘fl irn‘ EIHIHIWH'I y-JL: In.” _ livid“.- ur:lu.! - f' xrw, «Mn LL: L-sl .31"; ._,I.‘.‘,rn‘.x: r11. lh mug 1L1 | nll |;‘5w~1-.3I" 5r; visa; pI-‘Iv'ihzi II :JIZ'LIJ' r3910 SIJLI‘HVL‘JIJI 2‘1. Eda, :I Hz: .u | -; 2'.'!.- '. “lu-"I "-:1 .r‘1r :.“-1 yum .u (cu i‘ illf'l‘ 'Ipltiilu SEPTEMBER 24 - Basin using mur naw Mammy Mastercard and visit mmmmrycards.m to managcwur account amine. - Flr-mrru |1-u-Ji:J-->'-.r-:'n I want; ‘II "x”:mrn }r_-:' 4rd H-crx' .‘cin aunt“ hm Iv 'In-H unfr- "v'JI 1' m- nulfiv-ilf'ui'la Ener'w;E5 L-c‘ in 1.1355 -: IJI'JSI WIU" w‘l'r'J'rI umu wave I‘eELII':’r"IE.', W'fl“'T-EI'L5V How to make payments beginning September 24th PHONE OR WEBSITE Nair: pjvrenls .:'1I':;.Uy;|" ww‘mI":E"-;uI'fidf'lia-LGWLrJI‘ w La IL: l 3-51”: 6851 2133‘; MAIL" 'uy‘l I't: I- ;‘L.:I' J: lquiEI. 1.9 Laid flViL-fi “L3. Him IL? ".153. 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'MIBBatquBat Danae.mm EEK MHSIM DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-395C-ZBOD07581 E45 ATTACHM ENT ”3” DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-B950-2BOD07581 E45 JEFFERSON STATEMENT OF ACCOUNT CONSUMER INFORMATION AS OF 12/12/2020 TAN LAM 1591 TOLBERT DR SAN JOSE, CA 95122 ACCOUNT SUMMARY Debt Description: BARCLAYCARD/MERCURY CARD Original Account Number Ending In: 1742 Current Creditor: Jefferson Capital Systems, LLC JCS Reference Number:-4009 | 0A7: | ptscn/Pr/wv AMowvr 09/11/2019 Adjustment to Misc Charges -138.00 09/11/2019 Adjustment to Principal 138.00 THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATI'EMPT T0 COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Page 1 of 1 DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-395C-ZBOD07581 E45 BARCLAYS BANK DELAWARE 125 SOUTH WEST STREET WILMINGTON, DE 19801 CREDITSHOP CREDIT CARD COMPLANY, LLC 504 LAVACA STREET, SUITE 930 AUSTIN, TX 78701 First Bank & Trust 520 6th St Brookings, SD 57006 JEFFERSON CAPITAL SYSTEMS, LLC 16 McLeLand ROAD SAINT CLOUD, MN 56303 DocuSign Envelope ID: 1B7A01 BD-1 B7D-47DE-BQSC-ZBOD07581 E45 \DOOQONUIAUJNH NNNNNNNNNHHHHHHHHHH OOQONUIAUJNHOOOONQUIAUJNHO DECLARATION OF JURISDICTIONAL FACTS The undersigned declares that he/she is authorized to make this declaration for and on behalf of the plaintiff herein. Pursuant to Civil Procedure Sections 395 and 396a, the above entitled court is the proper court for the trial of the above entitled action because: [X] One of the defendants resides within the jurisdiction of the above entitled court at the commencement of this action. [ ] Goods or services or loans were provided within the jurisdiction of the above entitled court. | declare under penalty of perjury under the Laws of the State of California that the foregoing is true and correct. 04/27/2021 Executed at South Pasadena, California. DocuSigned by: sum g. 124mm 61 6800E64EE6454 ,, D FLINT C. ZIDE E SARKIS S. KARAYAN