Complaint Limited Filed by Assignee 5KCal. Super. - 6th Dist.March 29, 20211274439 GURSTEL LAW FIRM, P.C. Gloria Zarco (CASB ¹199702) Kimberlee Tsai (CASB ¹227426) 3 Rachel Haney (CASB ¹308259) 9320 East Raintree Drive 4 Scottsdale, AZ 85260 Telephone: (877) 344-4002 Fax: (877) 750-6335 Attorneys for Plaintiff, Unifund CCR, LLC 7 SUPERIOR COURT OF THE STATE OF CALIFORNIA SANTA CLARA COUNTY - SAN JOSE COURT Unifund CCR, LLC 12 vs. Matthew L Redoblado 14 15 Plaintiff, Defendant. Case No. COMPLAINT FOR MONEY DUE ON ACCOUNT STATED; OPEN BOOK ACCOUNT Prayer Amount: $4,687.46 16 Unifund CCR, LLC("Plaintiff') alleges causes of action against Matthew L Redoblado 17 ("Defendant" ) as follows: 18 ALLEGATIONS COMMON TO ALL CAUSES OF ACTION 19 1. Plaintiff is a debt buyer. 21 2. Plaintiff believes that, on or about April 17, 2012, Capital One Bank (USA), N.A. 22 23 24 25 26 27 28 provided Defendant with a credit account ("Account" ), and granted use privileges on the same. Defendant used the Account to make purchases and/or take cash advances and/or make balance transfers, each time reaffirming Defendant's agreement to repay Capital One Bank (USA), N.A. and its successors in interest, for the amount of the purchase and/or cash advances and/or balance transfers. Unifund CCR, LLC vs. Matthew L Redoblado / Case No.: E-FILED 3/29/2021 12:39 PM Clerk of Court Superior Court of CA, County of Santa Clara 21CV381285 Reviewed By: Ashley Mackenzie 6129121 21CV381285 3. Plaintiff is the sole owner of the debt at issue. 18 21 22 4. The debt balance at charge-offwas $4,687 46. $0.00 in post charge-off fees and $0.00 in post charge-off interest have been imposed since the time of charge-off. 5. The date of last payment on the Account was on November 8, 2017. 6. The charge-off creditor at the time of charge-olf was Capital One Bank (USA), N.A. ("Charge-Off Creditor"), whose address at said time was 4851 COX ROAD, GLEN ALLEN, VA 23060 . Charge-Off Creditor's account number associated with the debt is aaaaaaaaaaaa9851 7. Defendant's name and address as it appeared in the Charge-Off Creditor's records prior to the sale of the Account to Plaintiff is Matthew L Redoblado, 4911 I-IUB ST, LOS ANGELES CA 90042-2232. 8. Prior to the commencement of this action, the Account was assigned or otherwise transferred to Plaintiff. Plaintiff, is the present holder and sole owner of the Account. Plaintiffs address is 10625 Techwood Cir, Cincinnati, OH 45242-2846. The names and address of all persons or entities that purchased the debt after charge-off are: (A) Unifund CCR, LLC, 10625 Techwood Cir Cincinnati, OH 45242-2846 (B) Distressed Asset Portfolio III, LLC, 10625 Techwood Circle, Cincinnati, OH 45242-2846 23 24 25 26 27 9. Plaintiff has complied with California Civil Code 111788.52. 10. Attached hereto and incotyorated herein by reference are true and correct copies of documents evidencing the Account as stated in California Civil Code h~ I 788.58(b). Unilund CCR. I.I.C vs. IVlatthew L Redohlado / Case Yio.: 10 (A) Exhibit 1 is a copy of the document demonstrating the assignment of the Account to Plaintiff. (B) Exhibit 2 is a copy of a statement provided to Defendant while the Account was active, demonstrating that the debt was incurred by the Defendant. (C) Exhibit 3 is a copy of the final billing statement. 11. Plaintiff believes that Defendant is an individual who currently resides within the jurisdictional boundaries of this Court. Therefore, this Court is the proper Court for adjudication of this matter. 12. Defendant failed to make payments as agreed on the Account and has failed to pay 12 amounts due on the Account. 13 14 15 16 17 13. Taking into account all known payments, charges, offsets, if any, the amount due on this account as ofthe date this Complaint was prepared is $4,687.46, which amount equals the charge-off balance, less any payments or offsets as applicable. 14. Although demand has been made upon Defendant to pay the outstanding balance on the 18 Account, Defendant has failed to do so. 19 20 21 22 23 FIRST CAUSE OF ACTION (Account Stated) 15. Plaintiff refers to and incorporates paragraphs 1 through 14. 16. Within the last four years, an account was stated in writing in which it was agreed that Defendant was indebted in the amount previously referenced herein. 24 25 26 27 17. Although demand has been made upon Defendant to pay said amount there remains an outstanding balance on the Account of$4,687.46, which has not been paid, and is now due and owing from Defendant to Plaintiff, as successor in interest. 28 Unifund CCR. LLC vs. Matthew L Redoblado / Case No.: SECOND CAUSE OF ACTION (Open Book Account) 18. Plaintiff refers to and incorporates paragraphs 1 through 17. 19. Within the last four years, Defendant became indebted in the amount previously referenced herein for a balance due on an open book account. 20. Although demand has been made upon Defendant to pay said amount there remains an 10 outstanding balance on the Account of$4,687.46, which has not been paid, and is now due and owing from Defendant to Plaintiff, as successor in interest. WHEREFORE, as to all Causes ofAction, Plaintiffprays forjudgment against Defendant, including but not limited to, the amounts as follows: 12 1. For damages of $4,687.46; 13 14 15 2. For costs of suit incurred herein; and 3. For such further relief that the Court may deem just and proper. 16 17 19 20 Dated: March ~l, 2021 GURSTEL LAW FIRM, P.C. 'R 5 Gloria Zarco Kimberlee Tsai Rache Quaky 21 22 23 24 25 26 27 28 Unifund CCR, LLC vs. Matthew t. Redoblado / Case bio.: EXHIBIT 1I Name: MATTHEW L R'EDOBLADO Account Number: xxxxxxxxxxxx9851 Table of Contents 1. CAPITAL ONE BANK (USA), N.A. to DISTRESSED ASSET PORTFOLIO III, L'LC 2. DISTRESSED ASSET PORTFOLIO III, LLC to UNIFUND CCR, LLC e: T E ZREDOBLA cc nt umber: ] l 0 ontent ), . . 0 I’FUN R, Forward Flow Receivable Sale Agreenient dateil January 28, 2019 BILL OF SALE Closing Date: April 18, 2019 Capital One Bank (USA), National Association ("Seller"), in consideration of a Purchase Price of'nd 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 "OMEGA.BN0074.SALES.PROD- EAST.20190410 BPSLE20190409 BN0074 customer File.dat.gz OMEGA.BN0074.SALES.PROD- EAST.20190410 BPSLE20190409 BN0074 main File.dat.gz OMEGA.BN0074. SALES.PROD- EAST.20]90410 BPSLE20190409 BN0074 phone File.dat.gz" (which may be in electronic form) to Distressed Asset Poitfolio III, LLC ("Buyer"), without recourse or representation except as expressly provided herein or on the terms, and subject to the conditions, set foith in the Agreement (as defined below). This Bill of Sale is delivered pursuant to that cei&ain Forward Flow Receivable Sale Agreement, dated as of January 2g, 20 I 9, by and between Seller and Buyer (the "Agreement"). All capitalized temis used, but not defined, in this Bill of Sale shall have the meanings assigned to such terms in the Agreement. The Cutoff Date for the Sale File was April 10, 2019. The aggregate Unpaid Balance of the Accounts as of the CutoffDate was CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION rNum' icsR. l.ane ice President Sale File Extract fiom Sale File, provided by CAPITAL ONE BANK (USA), N.A. in connection with its sale of accounts to DISTRESSED ASSET PORTFOLIO III, LLC on 04/18/2019: Account name: Last 4 digits of account number: MATTHEW L REDOBLADO xxxxxxxxxxxx9851 BILL OF SALE THIS BILL O'F SALE is effective as of December 27, 2019 between DISTRESSED ASSET PORTFOLIO III, LLC, an Ohio limited liability company ("Assigno&"'), and UN IFUND CCR, LLC, an Ohio limited liability company ("Assignee"). Assignor, for value received tmnsfers, sells, conveys, grants and delivers to Assignee free, clear and unencumbered title to the Accounts described on Attachment A and all ofAssignor's rights thereto effective as of December 27, 2019. The sale is without recourse to Assignor. Name: Jessica Stevens Title: Inventory Manager Attachment A Extract from Attachment A, provided by DISTRESSED ASSET PORTFOLIO 111, LLC in connection with its sale of accounts to UNIFUND CCR, LLC on 12/27/2019; originally obtained from account data provided by CAPITAL ONE BANK (USA), N.A. in connection with its sale of accounts to DISTRESSED ASSFT PORTFOLIO III, LLC on 04/18/2019: Account name: Last 4 digits of account number: MATTHEW L REDOBLADO xxxxxxxxxxxx9851 Sale File (Redacted) ROUTER NUMBER ACCOUNT NUMBER SMALL BUSINESS FLG CUST ROLE TYPE CUST NM CUST ADR 1 CUST ADR 2 CUST ADR 3 CUST CITY CUST ST CUST ZIP CUST EMAIL CUST DOB CUST SSN SEC IND OPEN DT DELIQ DT CHRGOF DT PRE CHRGOF LST PMT DT PRE CHRGOF LST PMT AMT LST PMT DT LST PMT AMT LAST PURCHASE DATE LAST PURCHASE AMOUNT CHRGOF BAL CHRGOF PRIN BAL CHRGOF INT BAL CHRGOF FEE BAL SALE BAL SALE PRN BAL SALE INT BAL SALE FEE BAL INT RATE CCA AT CHRGOF FORGN LNG FLG LRG PRNT FLG BRAILLE FLG PRODUCT TYPE BRAND AT CONVERSION PREVIOUS ENTITY CURRENT ENTITY LE LP INDICATOR Primary Home Phone Number Primary Work Phone Number xxxxxxxxxxxx9851 N PRIMARY MATTHEW L REDOBLADO 4911 HUB ST LOS ANGELES CA 90042-2232 N 04/17/2012 01/07/2018 06/12/2018 11/08/2017 118.00 11/08/2017 118.00 11/12/2017 153.77 4687.46 3915.06 677.40 95.00 4687.46 3915.06 677 40 95.00 0.0000 CA0005-M112867 N N N MASTERCARD PLATINUM COBNA LE SECONDARY CUST ROLE TYPE SECONDARY CUST NM S E CO N DARY CUST AD R 1 SECONDARY COST ADR 2 SECONDARY CUST ADR 3 SECONDARY CUST CITY SECONDARY CUST ST SECONDARY CUST ZIP SECONDARYCUST EMAIL SECONDARY CUST DOB SECONDARY CUST SSN Secondary Home Phone Number Secondary Work Phone Number BUSINESS CUST ROLE TYPE BUSINESS CUST NM BUSINESS CUST ADR 1 BUSINESS COST ADR 2 BUSINESSCUST ADR 3 BUSINESS CUST CITY BUSINESS CUST ST BUSINESS CUST ZIP BUSINESS CUST EMAIL BUSINESS CUST 008 BUSINESS CUST SSN BUSINESS Home Phone Number BUSINESS Work Phone Number EXH I BIT 2I I 4'mg griffe'nlof fe Page 1 of 2 Platinum Mastercard Account Ending in 9851 Oct. 12, 2017- Nov. I I, 2017 I 31 days in Billing Cycle o . o Payment Due Date Dec. 08, 2017 New Balance $3,825.02 For online and phone payments, the deadline is Bpm ET. Minimum Payment Due $ 123.00 Ifyoumakeno, ™~ o 'Youwill,Payoff» 4''&fitndyouwill 'dditionalcchaigesusing.-i j,the balan& e sh7rwn = 'rid tip paying , this ca'rd and each ~;sf) on thfsrsfa&temenl&~ 5 an"estlmat'e'cl i month you paj;;... -,:.'n abobln. -."-"-- -,.-to/pl of .' Minimum Payment $ 154 18 Years 3 Years $ 11,087 $5,541 1Estimated savings if balance is paid off in about 3 years: $5,546 LATE PAYMENT WARNING& If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you wiii pay more in interest and it will take you longer to pay off your balance. For example; Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance Credit Limit Available Credit (as of Noy. 11, 2017} Cash Advance Credit Limit Available Credit for Cash Advances $3,776.17 - $ 118.00 $0.00 + $82.00 + $0.00 + $0.00 + $84.85 = $3,825.02 $4,000.00 $ 174.98 $ 1,000.00 $0.00 If you would like information about credit counseling services, call 1-888-325-8055. 300085 , rotectyour credit score. Detect fraud vvith autornadc elena if your Uedit report changes with Creditwise -built right into the Capital One'obile app. :fni I ONE'tO BOIDI tO'dnWnlnad thnaPP IVIOSSBIPiRij I CDara Mrno may aPP }r Account Notifications Oi Welcome to your account notifications. Check back here each month for important updates aboul your account. Pay 0'anage you aCcount On Our mobile app or at vrww.c«.p&!a!0'e.c&nn. Customer Service: -BOrj-903-3637 See reverse for Impcrtant lriformalion Please send os this portion of your slalement ood only one chock Ior one money order} to @spit»&lot y&'nsure your payment is processed promptly. Allow at least seven business days for delivery. A0003D New Balance $3,825.02 Minimum Payment Due $ 123.00 MATTHE4I L REDOBLADO &I911 HUB ST LOS ANGELES, CA 900&I2-2232 Payment Due Date: Dec. DB, 2017 Account Ending in 9851 Amount Enclosed Pay your bill on the go. Pay veer bi'&! secure,."y ar& review transactions vnlh lne Caf i oii'&- &n«b&C-IT. Text ONE to 80101 tr& rlovrnload tiie,ipp. ;io s gmaa coro rorno&ooyoopir. Capital One Bank (USA). N.A. P.O. Box r&0599 City or Industry. CA 91714-0599 9851 11 3825020118000123006 002 ~HII idy. I 7 ICIILLyly yyy . ' dl full by Ihe due dale, we will noi charge you inwresi on any new Iransaclions thai post 'Io !he purchase segmenL I( you have been paying your account iri full with no Interest Charges, bul then you do nol pay your next New Ba(ance in lull, we will charge inleresi on Ihe portion of Ihe balance that you did nol pay. For Cash Advances and Special Transfers. we will slarl charging Interest on Ihe transaction dale. Certain promotional oViers may allow you lo pay less lhan We Iota( New Balance and avoid paying Interest Charges on new purchases. Please re(er lo ihe front of your slatemenl for additional information. i(gyr ls Ih~(L(qrmeRLCC~(e apgj4d7 Inleresl Charges accrue from lhe dale of Ihe transaction or the Rrst day of lhe Billing Cyde. Interest Charges accrue on every unpaid amount until it is paid in lull. This means you may owe Interest Charges even i( you pay the entire Nev. Balance for one Billing Cyde, bul did nol do so Ihe previous Billing Cyde. Unpaid interest Charges are added lo Ihe corresponding segment of your account. Qoaoa~s i i nter ha e? We may assess a minimum Interest Charge of $0.50 (or each Billing Cycle if yew account is subject Io an Interest Charge. xhxxhxa~ll ~ydh ? W „ Ih I II d h„d, C;ly Balance (including new transactions). 1. First, for each segment we take Ihe beginning balance each day and add in new transactions and lhe periodic Inieresl Charge on Ihe previous day's balance. Then v(e subtract any paymenis and credits for thai segment as of that day. The result is Ihe daily balance for each segmenL However, i( your previous slalemeni balance was zero or a credit amount, new Iransaclions which post lo your purchase segment are nol added io lhe daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by Ihe number of days in Ihe Billing Cycle. The result is the Average Daily Balance for each segment. 3.At Ihe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periodic rale (APR divided by 365) for that segment, and (hen we mulbply the result by the number of days in Ihe Billing Cycle. We add the Interest Charges for ag segments together. The result is your to(al Interest Charge for lhe Bilkng Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rale in lhe Interest Charge Calculation section of this StatemenL NOTE: Due to rounding or a minimum Interesl Charge, this calculation may vary slightly from the Interest Charge acluagy assessed. b)(nti can m~Va a Lee)~Pqbdsj(ge?Your APRs may increase or decrease based on one of the following indices (reporied In The wall slraet Journal ), The letter code be(ow corresponds with lhe lelter next Io your APRs in Ihe Interest Charge Calculation section of Ibis sbilemenL Code next to your APR(s] P L D F How do we calculate your APR(s)7 Index+ margin Prime Rate+ margin 3 month LIBOR + margin Prime Rale + margin I month LIBOR+ margin When your APR(s) will change The first day of the Billing Cycles Ihat end in Jan., Apnl. July. and OcL The fire l day of each Billing Cycle. ow can I Avoid Mem ~iees? II a enewal Nosce 'e printed on this sralemenL you may avoid paying an annual membership Fee by contacting Customer Service no later Ihan 45 days after the last day in lhe Billing Cycle covered by this staiemenl lo request Ihat we close your account. To avoid paying a monthly membership Fee, dose your accounl and we will stop assessing your monthly membership Fee. ow can Close M Account? You can contact Customer Service anytime to request Ihal we close your account. j(ojz dojyop process paymenls? INhen you make a paymenl, you authorize us lo initiate an ACH or electronic pa?ment Ihal will be debited (rom your bank account w other related accounL When you provide a check or check informalion Io maire a payrnenl, you authorize us lo use information from the check lo make a one-I:me ACH or other electronic transfer from your bank accounL We may also process il as a check Iransaclion. Funds may be withdrawn from your bank account as soon as Ihe same day we process your paymenL Hd(~wdo o~uA pjy My Pa~en? Wa generally apply paymenls up lo your lhbnxnum Paymenl lirsl lo 0:e balance v ith Ine kxvest APR (inclutflvyg 0?c APR), and then lo balances with higher APRs. We apply any perl ol you(payment exceeding your Minimum Payment lo Ihe balance viilh the highest APR, and Ihen to balances with(ower APRs. Billing Ri(Lhls SummaCL(Dpekgol Apf~(to Snipg Buseess CI4cognlsl What To Do If You Think You Find A Mistake On Your Statement: if you Ihink Ihere is an error on your slalernent, write lo us al: Capital One P.O. Box 30285 Sall Lake City, UT 84130-0285 In your letter, give us Ihe following information: I 2016 Capiial One. Capilal One is a lederagy registered service mark ETC-08 11II01/16 ~ Account information: Your name and account number. Dollar amount The dollar amount of Ihe suspected error. ~ Description of Problem: If you think Ihere is an error on your bill, describe whal you believe is wrong and why you believe it is a mistake. You must contact us within 60 days aRer Ihe error appeared on your stalement. You must no(i(y us of any potential errors in writing, You may call us or notify us electronically, bul if you do we are nol required to fnvestigaie any potential errors and you may have to pay the amount in question. We will notify you in wribng w thin 30 days of our receipt ol your letter. While we investigate whether or not ihere has been an enor, the following are true: ~ We cannot lry to collect the amount in question, or report you as delinquent on that amounL The charge in queslion may remain on your statemenl. and we may continue lo charge you interest on ihal amount. Bul, if we determine thai we made a mislake, you will not have lo pay lhe amounl in question or any interesl or other fees related Io Ihat amount. ~ While you do nol have lo pay the amount in question unlit we send you a notice about the outcome o(our investigation, you are responsible for Iha remainder of your balance. ~ We can apply any unpaid amount against your txedil limiz Within 90 days of our receipt of your letter, we will send you a writte notice explaining eilner Ihal we conected Ihe error (lo appear on your next slalernent) or Ihe reasons we believe lhe bill Is coirecL Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied wilh lhe goods or services that you have purchased with your credil card, and you have tried in good faith to correct the problem with Ihe merchant, you may have Ihe right nol lo pay Ihe remaining amount due on Ihe purchase. To use this right, lhe following must be true: 1) You must have used your credit card for Ihe purchase. Purchases made with cash advances from an ATM or with a check that aocesses your credit card account do not qualify; and 2) You must not yet have tully paid for Ihe purchase. If all of Ihe criteria above are met and you are still dissatisfied with Ihe purchase, contact us in writing ab Capital One, P.O. Box 30285, Salt Lake Cily, IJT 64130-0285. While we investigate, Ihe same rules apply to the disputed amount as discussed above. After we finish our invesGgalion, we will le(i you our decision. At that poinl, if we Ihink you owe an amount and you do nol pay we may report you as delinquent. Chan in Mailin Address? You can change your address immediately al capita(one.corn or comp(a(e the informauon below, and return this coupon with your payment. Please print using blue or black ink. Ho~do fdta~kents? You may make your payment in several ways: Online Banking by logging into your account; 2. Ca pilal One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on Ihe front of Ibis slaiemenl and providing the required paymen! information; 4. Sending mail paymenls to Ihe address on the front of Ihis statement with lhe payment coupon or your aamunt in(ormalion. Citv Stale . Phone,. Email.. Zip code . When wil)J(ou Credit My paamont? ~ For mobile, online or over Ihe phone. as of Ihe business day we receive it, as long asitismadeby8p.m. Ei For mail, as of Ihe business day sve receive il, as long as it is received by 5 pm. local lime at our processing center. You must send the bottom portion of Ibis statement and your check to lhe payment address on Ihe iront of Ihis slalemenL Please allow al least seven (?) business days (or mail delivery. Mailed payments received by us at any other locabon or paymenis in any other form may nol be credited as a(Inc day we receive them. capital()~ jqi Page 2 of 2 Platinum MasterCard Account Ending in 9851 Oct. 12, 2017- Nov. 11, 2017 I 31 days in Billing Cycle .'P~~"~Ttaiisactions et Visit vnsvrnonpttatoito.cant to see detailed transactions. ' MATTHEW L REDOBLADO ¹9851r Payments, Credits and Adjustments Date Description Amount 3nooa6 6 Get the app designed ta save time. Eiioldessly Inenage you.'ccount on the g ~ with iho Cnl&ital Oisu inclbl!e app. 'm t ONE tn aolnt tO dnrynlnnd thg app, IvleSS" ging & 6ita rarmrnay appla-'v 8 CAPITAL ONE MOBILE PYMTAuthDate 07-Nov $ 118.00 MATTHEW L REDOBLADD ¹9851: Transactions Date Description Oct 22 AT&T'BILL PAYMENT08003310500TX MATTHEW L REOOBLADO ¹9851r Total Amount $82.00 $82.00 Total Transactions for This Period $82.00 Date Description Fees- Amount Total Fees for This Period nterest'har Interest Charge on Purchases Interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Period Lii ' itj $0.00 $61.25 $23.60 $0.00 $84.85 2017. Totai Year-to-Date ': - -ntt; 5 Total Fees charged in 2017 $30.00 Total Interest charged in 2017 $749.63 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type ot i Balance Purchases Annual Percentage Rate(APRI 25 90% P Balance Subject to Interest Rate $2,784.39 Interest Charge $61.25 Cash Advances 25.90 A P $ 1,072.95 $23.60 P,L,D,F = Variable Rate. See reverse of page 1 for details. EXHIBIT 3HI I ~e'. fcapital()II te'age 1 of 3Platinum Masiercard Account Ending in 9851 May 12, 2018 - Jun. 11, 2018 I 31 days in Billing Cycle Payment Due Date PAST DUE New Balance $4,687,46 For online and phone payments, the deadline is Bpm ET. Minimum Payment Due $4,687.46 Previous Balance Payments Other Credits Transactions $4,658.11 $0.00 $0.00 + $0.00 Cash Advances Fees Charged Interest Charged New Balance + $0.00 + $0.00 + $29.35 = $4,687.46 Available Credit (as of Jun. 11 2018i N/A 300073 Cn~i tnlof2e'ccount Notifications ~i Welcome to your account notifications. Check back here each month for important updates about your account. Pay or manage your account on our mobile app or at vrvvw.calnlalone cont Customer Service: 1-800-258-9319 See reverse for Importan: Information Please send vs ih&s portion of your slatement and only one check (or one money orderi to fcaPdtxd]of fCP ensure yocr Paymenl is Processed PromPtly Allow al least seven husiness days for delivery. 400030 Payment Due Date: Past Due New Balance $4,687.46 Minimum Paymem Due $4,687.46 Account Ending in 9851 Amount Enclosed $ Capfytal~ MATTHEld L REDOBLADO 4911 HUB ST LOS ANGELES. CA 90042-2232 lllrul Capital One P 0 Box GOS99 City of Industryv CA 9171G-0599 i "lli illli'ill'i il iiil'i iiii ' '"illiilii)i li l lii'lill 9851 11 4687460118004687465 002 Code next to I How do we calculate your your APR(s) 'PR(s)7 Index+ margin P Prime Rate+ margin (The lirsl day of Ihe Bilfing Cydes that L 3 month LIBOR+ margin 'end in Jan., Apni, July. and Od. D Prime Rate+ margin pe first day of each Billing ~e. F 1 month LIBOR+ margin When your APR(s) will change ow can I voi Iaembers ' es? If a Renewal Nofica printed an ibis stalemenL you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after Ihe last day in the Billing Cycle awered by Ibis staternenl lo request thai we close ycur accounl To avoid paying a monthly membership Fee. close your account and we will stop assessino your monlhly membership Fee. Liow cirLLQas~Mtt~ro~u? You can contact Customer Service anytime to request thai we close your accounL llh~LAAld~ywl ~gh 2 lly yy I I I' g I lull by the due dabh we will noi charge you interest on any new Iiansadions that post lo Ihe purchase segment. 6 you have been paying your account in full with no Interest Charges, bul then you do not pay yrxrr next New Balance ln fufi, we vnfi charge interest on Ihe portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will sled charging Inlerest on Ihe Iransadion dale. Cerlain promotional offers may allow you to pay less than lhe lolal New Balance and avoid paying Interest Charges on new purchases. Please refer lo the front of your stalemeni for additional information. Ho~we Ihe Interes~Ch r~epgplLed? Interest Charges accrue from Ihe dale of the transaction or Ihe first day of the Billing Cycle. Interest Charges accrue an every unpaid amount until it is paid in full. This means you may owe Interest Charges evenif you pay the entire New Balance for one Billing Cyde, bul did not do so the previous Bifiing Cyde. Unpaid Interest Charges are added IO the corresponding segment of your accounL ~oo u asses a hlinlmum Interest C e We may assess a minimum Interest Charge of 50.50 for each Bliling Cyde if your account is subject lo an interest Charge. d ~grl I ddggi lg I g~hnyAh he IhdA g Ally Balance (including new transactions). 1. First, for each segrneril we lake the beginning balance each day and add in new transaclions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credils for Ihat segment as of that day. The result is the daily balance for each segmenL However, if your previous stalement balance was zero or a credit amount, new transadions which post lo your purchase segment are not added lo Ihe dafiy balance. 2. Next, for each segment, we add lhe daily balances logether and divide the sum by Ihe number of days m lhe Bilfing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for thai segment, and Ihen we mulUply the result by the number of days in Ihe Billing Cycle. We add Ihe Interest Charges for afi segmenis logether. The result is your total Interest Charge for tho Biiling Cycle. The Average Daily Balance is refened to as lhe Balance Subject lo Interest Rate in the Interest Charge Calculation section of Ibis Statement. NOTE: Due to rounifing or a minimum Inlerest Charge, this calculation may vary slightly from the Interest Charge actually assessed. w can~mVarlkbie ~Rchan eg Your APRs may increase or decrease based on one of the following indices (reported in The WaN Slreet Journal ). The letter cade below corresponds with Ihe letter next lo your APRs in the Interest Charge Calculalbn section of Ihla stakment. &St?LdrhyoJLPSosessJ?aymgJng When you make a paymenl, you authoiize us lo iniTiale an ACH or dectronic paymonl that viifi be debiled from your bank account or other relaled accounL When you provice a check or check information lo make a paymenl, you auihorize us lo use infwmation from the check lo rrake a cne-lime ACH or other eledronic transfer from your bank accounL We may also process it as a check transaction. Funds may be wiihdrawn from your bank account as soon as the same day vle process your paymenL ou I M a me We generally apply payynenLs up lo your Minimum Payment Iirsl lo Ihe balance with Ihe lowesl APR (induding 0% APR), ard ihen lo balances with higher APRs. We apply any pari of yourpaymenl exceeding your htkrimum Paymenl to Ihe balance with Ihe hgghesi APR, and Ihen to balances wrlh lower AP Rs. BIIAI gdgghhw, Bddggg WAABAI g ~lg ', wlldgy I 2 What To Do If You Think You Find A Mistake On Your Stalemenl '. It you think lhere is an error on your ala lement, wnte lo us ak Capital One P.O. Box 30285 Ssfi Lake City, UT 84130-0265. In your letter. give us Ihe following informa6on: Account information: Your name and account number. ~ Dollar amount The dollar amount of Ihe suspected error. ~ Descripbon of Problem If you think Ihere is an enor on your bifi, describe what you believe is wrong and why you bekove it is a mistake. You must mntad us ivilhin 60 days after the error appeared on your slatemenL You must nolily us of any potential errors in writing. You may call us or notify us elecbonicafiy, bul if you do we are tet required lo investigale any polenUal errors and you may have to pay Ihe amount in question. We will notify you in writin within 30 days of our receipt of your leker. While we investigate whelher or not there has been an error. Ihe fofiowing are true: ~ We cannot lry to cofiecl Ihe amount in question, or report you es delinquent on that amount. The charge in question may remain an your statement, and we may continue Io charge you inleresl an Ihal amount. But, if we determine thai we made a mistake, you will not have lo pay lhe amount in qu~ion or any interest or olher fees related to Ihat amount. ~ Wiule you do not have lo pay the amounl in question until we send you a no6ce about the outcome of our invesfigaUon, you are responsible for the remainder of your balancrh We can apply any unpaid amount against your credit limiL Within 90 days of our receipt of your letter, we vng send you a whiten nobce explaining eithw Ihal vre correded Ihe enor (to appear on your next slalemenl) or Iha reasons we believe Ihe bill is correct. Your Rights If You Are Dissatisfied With Your Purchas'e: If you are dssafisfied with Ihe goods or services thai you have purchased wilh your credit cant. and yvxr have tried in good faith lo correct lhe problem with the merchant, you may have tha right nol to pay the remaining amount due on Ihe purchase. To use this riight, the following must be Irue: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check ihal accesses your credit card account do not qualify; and 2) You must not yel have fully paid for the purchase If afi of Ihe ciileria above are met and you are slifi dlasahsfied with Ihe purchase, contact us in wrihng ah Capital One, P O. Box 30285, Ball Lake City, UT 84 1300285. Wh'Je we invesligate, the same rules apply lo lhe disputed amount as discussed above. Afier we finish our investigation, we will lefi you our decision, At that point, if we think you owe an amount and you do not pay we may report you as delinquenL ETC-08 11/01/166 201 6 Capital One. Capital One is a federally registered service mark Chan in Mailin Address? You can change your address immediately at capitalone.corn or complete Ihe information below, and return Ihis coupon with your payment. Please print using blue or black ink. HgLW do I Make ~emggtLs? You may make your paymenl in several ways: 1. Online Banking by logging into your account; 2. Capital One Mobile Banking app for approved electronic devices; 3 Calling the telephone number listed on the front of Ihis statement and providing Uge required payment informalion; 4. Sending mail payments to lhe address on ihe fronl of this statement with ihe paymenl coupon or your account information. Street. City.. Stale.. Phone. Email Zip coce .........,..... Wh~~will p~vr~it ldy Payment? ~ For mobile, online or over the phone. as of the business day we receive! t, as long as il is made by 8 p.m. ET, For mail, as of the business day we receive it, as long as il is received by 5 p.m. local lime al our processing center. You must send the bottom portion cf this sialement and your check lo the paymenl address on Ihe front of this staten;enl. Please allow at least seven (7) business days for marl delrvery. Mailed payments received by us at any other location or payments in any other farm may not be credited as of the day we receive them. To change of Update yotif address please call 1-&00-258-9319 or visit www.capita(one.corn CatutwlQ( tg'age 2 of 3Platinum MastarCard Account Ending in 9851 May 12, 2018 - Jun. 11, 2018 I 31 days in Billing Cycle Soocrn, r Visit tave.eaffitalonercont to sce detailed transactions., r P 'ATTHEW L REDDBLADD ¹9851: Payments, Credits and Adjustments CW~iff~fof7pe Date Description Amount MATTHEW L REDDBLADO ¹9851r Transactions Date Des criptian Amount f Date Description Total Fees for This Period F.e'es 'r» Amount $0.00 Intedest Charged Interest Charge on Purchases Interest Charge on Cash Advances Interest Charge cn Other Balances Total Interest far This Period $21.71 $7.64 $0.00 $29.35 2018 Totals Year-to-Date r Tatal Fees charged in 2018 Total Interest charged in 2018 $70.00 $509.45 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Purchases Cash Advances Annual Percentage Rate(APR) 7.40SS P 7a0/ P Balance Subject Interest Charge to Interest Rate $3,455.63 $21.71 $ 1,216.63 $7.64 P,L,D,F = Variable Rate. See reverse of page 1 for details. Your account has charged off. It is novv being serviced by the Recoveries department. Call 1-800-258-9319 if you have questions about this notice. 201 146 our nt as off.. It is w bei s r i by t ecoveries depart ent. Cal - if a e uesti s out t is notice.
