Complaint Limited Filed by Assignee 5K

Cal. Super. - 6th Dist.May 5, 2021

E-FILED 5/5/2021 1:45 PM Clerk of Court Superior Court of CA, County of Santa Clara 21CV381521 Reviewed By: L. Imasa 21CV381521 JACK H. POGOSIAN, State Bar N0.: 30574] MANASI TAHILIANI, State Bar N0.: 272821 l CHRISTINA ARNOLD, State Bar N0.: 297590 2 HYO JIN JULIA JUNG, State Bar N0.: 316090 MELINE GRIGORYAN, State Bar N0.: 321 133 3 MICHAEL D. KAHN, State Bar N0.: 236898 NICHOL ALAN DE GUZMAN, State Bar N0.: 314989 4 CAMRYN P. BERK, State Bar N0.: 3 17565 5 350 CAMINO DE LA REINA, SUITE 100 SAN DIEGO, CA 92108 6 Telephone: (866) 300-8750 Facsimile: (858) 309-1588 7 Attorneys for Plaintiff SUPERIOR COURT OF CALIFORNIA COUNTY OF SANTA CLARA 9 DOWNTOWN SUPERIOR COURT 10 MIDLAND CREDIT MANAGEMENT, INC. Case No. 11 Plaintiff, COMPLAINT FOR: 1,2 vs. (l) Account Stated 13 BRANDON 0 ALLEN; PRAYER AMT: $742.04 14 and DOES 1 through 10, inclusive LIMITED Defendant. 15 MIDLAND CREDIT MANAGEMENT, INC, ("Plaintiff"), by counsel, sues BRANDON O ALLEN, 16 (“Defendant”) under Account Stated and in support thereof states: 17 1. Plaintiff is authorized t0 d0 business in CALIFORNIA, with its principal place of business at 350 18 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff owns portfolios of consumer receivables, which it attempts t0 collect. Plaintiff strives to treat its consumers, such as 19 Defendant, with respect, compassion and integrity, hoping t0 provide mutually-beneficial 20 opportunities for consumers to repay their debts and attain financial recovery. 21. 2. Defendant isia resident 0f SANTA CLARA County, State of California and is subject [0- this 22 Court’sjurisdiction. 3. Plaintiff is unaware of the true names and capacities of Defendants sued by the fictitious names 23 DOES l through 10. Plaintiff will ask leave 0f 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)(l)-(9), Plaintiff alleges: 4. Plaintiff is a debt buyer as defined by CA CIVIL §1788.50(a). 27 28 -1- COMPLAINT CA_01320 File N0.: 20487136 10 11 12 14 15 l7 18 19 20 21 22 23 24 25 26 27 28 CA_0132G File N0.: 20-187136 11. 12 l3. Defendant established a credit account (the “Account”) with CAPITAL ONE BANK (USA), 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 rsquired payments and subsequently defaulted 0n the Account 0n December l4, 2018. Thereafter, Plaintiff was assigned a1] 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 BANK (USA), N.A., t0 Plaintiff. The Account was purchased by Plaintiff 0n June l9, 2019. The Account balance at the time 0f charge-off was $1,269.04. Plaintiff alleges that the date of default is December 14, 2018 and the date 0f the last payment was January 06, 2021. The name 0f the Charge-off creditor at the time 0f charge-Off is CAPITAL ONE BANK (USA), N.A.. The address utilized by CAPITAL ONE BANK (USA), NA. at the time 0f charge-off was 1,680 CAPITAL ONE DRIVE MCLEANNA 22101. At the time 0f charge off, the account number associated with the debt was XXXXXXXX-XX-9605. The name 0f the debtor as it appeared in the records 0f CAPITAL ONE BANK (USA), NA. is BRANDON r O ALLEN and the last known address as it appeared in the records 0f CAPITAL ONE BANK (USA), NA. is 550 TIFFANY DR HOLLISTER CA 950233615. 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 92'108 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 true 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 of a billing statement that was mailed t0 Defendant stating the balance due 0n the Account at 0r around the time 0f Charge-off. -2- COMPLAINT b Nam 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 14. 16. 17. 18. 19. 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 t0 Plaintiff may include Plaintiff’s predecessor-in-interest. Plaintiff has attempted to 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 refuse 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 BANK (USA), N.A.. Defendant opened and derived benefit from the Account. By using the Account, Defendant expressly 0r impliedly promised t0 repay CAPITAL ONE BANK (USA), N.A.. Within the last four years, Defendant became indebted 0n the Account. On the‘Acco‘unt, a balance‘ 0f $1,269.04 was "stated t0 be due t0 CAPITAL ONE BANK (USA), N.A. 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 $742.04 which includes payments, set- Offs, credits 0r allowances, if any, at 0r after charge-Off. 3 CA_0132G File N0.: 20-187136 COMPLAINT 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 WHEREFORE, Plaintiff requests judgment against Defendant for $742.04, costs 0f this action and post judgment interest at the statutory rate. Plaintiff waives any claim for pre- judgment interest and attorney's fees. Dated: MIDLAND CREDIT MANAGEMENT, INC. By: ya 2/ APR i 3 232i} D JACK H. POGOSIAN D MANASI TAHILIANI YO JIN JULIA JUNG D MELINE GRIGORYAN D CHRISTINA ARNOLD D MICHAEL D. KAHN D NICHOL ALAN DE GUZMAN D CAMRYN P. BERK 4 COMPLAINT CA’0132G File N0.: 20-187136 EXHIBIT A AA_0125 File No.2 20-187136 Forward Flow Receivable Sale Agreement dated ganuary 25, 2019 BILL (BF SAIE Closing Date: June 19} 2019 Capital One Bank (USA) Naticnal ASSQCiatiQn (“Seller”) in consideration 0f a ?mchage Price of- and other valuable cansideration the- receipt 0f which is hereby ackmwledged hexeby sells. assigns and transfers an right title and interest m the Acceunts ideniified 1n the Sale File entitled “OMEGABNOOT’éSAEBS.PROD-EASTBFRLEEO 1 9061 2_BNOO76~customer.dat OMEGABNOO76 .SALES.PROD-EASTBFRLEQO'I 906 12_BN0076_main.dat OMEGABNOO'IES‘SALES.PROD-EASTBFRLEZO 1 906 I2LBNOO76_phone.dat” (which may be in electronic fem) t0 Midland Credit, Management: 1112., a Kansas connotation (“Buyez”), withmut recourse 0r representation except as expfessly provided herein 0r 0n the tsrms, and subject t0 the condifions, set forth in the Agreement (as defined belew). This Bill 0f Sale is deliVered pursuant to that certain Fgrward Flow Receivable Sale Agreemeng dated as 0f January?h, 2019 by and between Seller and Buyer (the “Agreement ) A11 capitalized terms used: but not defined m this Bill 01: Sale: shall have the meanings assigned t0 such terms in the Agreement. The, Cutoff Date for the Sale File. was June 14 2019 The 3ggregate Unpaid Balance 6f the Accounts as Gf the Cutoff Date was- 1-D éREm-"r MANAGEMENT, ENC. . ‘5‘:@k r Title \N’ @1133 @fiéjfimf} CAPITAL QM”: BANK (QSA), MDLA; .' Le: Vice-Presidefit Forward Flow Receivable Sale Agreement dated January 25, 2919 AFFIDAVIT OF SALE OF ACCOUNT BY CREDITOR State 6f Virginia, County 0f Goochland. James R. Lane being duly sworn, deposes and says: I am over 18 and not a pafiy t0 this actien. I am a Vice President of Capital One Bank (USA), National Asscciatlon. In that position I am aware 0f the process of the sale and assignment 0f electronically stored business records On or about June 145 2019, Capital One Bank (USA), National Asscciation sold a pool 0f charged-off accounts (the Acceunts) by a Forward Flow Receivable Sale Agreement and a Bill of Sale to Midland Credit Management, Inc” a Kansas corporation. As part 0f the sale 0f the Accounts, elsetronic 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 Bank (USA), National Association. I am not aware 0f any errors in these accounts. The above statements are true t0 the best 0f my kncwledge. ’ F” Signed'tfiis 9-9 " day 0f 7 3] «4124/ , 2019. SUBSCRIBED and sworn t0 before me, the undersigned Notary Public in the jurisdictlon aforesaid, by James R, Lane, who is persanally known t0 me and who acknowledged before me his signature t0 the foregoing Affidavit. GIVEN under my hand and seal this _l 2 _ day of 3.1M z 2019. William Weston Paige W'LUQMTWESTON PAIGE NotaryPubnc 335533523'22‘5 COMMONWEALTH 0F WRG’NM M? commsgigu Exmafis OCT. 371} 2022 Forward Flaw Receivable Sale Agreement dated January 25, 2019 CERTIFICATE 0F CONFORMITY CERTIFICATE OF CONFORMITY MADE PURSUANT TO CFLR 2309(c) and RPL 299-a I, an attomey-at-law admitted to practice in the Commonwealth of 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 Bank (USA), National Association are taken in the manner prescribed by the laws 0f the Commonwealth 01f Virginia and conforms t0 the laws thereof in all re8pects. IN WITNESS WHEREOF, 1 have hereunto set my signature, this 7g day of #9::M. 2019. .w-w fl/ “Brim; Q&S‘é‘g Printed Name 4% f) ff ‘ Signed Name Attorney at Law, Commonwealth 0f Virginia Forward Flow Receivable Sale Agreement dated January 25, 2019 AFFIDAVIT OF SALE OF ACCOUNT BY CREDITOR State 0f Virginia, County 0f Goochiand. James R‘ Lane being duly swam, deposes and says: Iam over l8 and not a party t6 this action. lam a Vice President 0f Capital One Bank (USA), National Assecianon. In that position I am aware 0f the process 0f the sale and assigmnent 0f electronically stored business records On or about June 14, 2019, Capital One Bank (USA), National Association sold a p001 of charged-off amounts (the Acceunts) by a Ferward Flow Receivable Sale Agreement and a Bill 0f Sale t0 Midland Credit Management, Inc.., a Kansas corparation. As part of the sale of the Accounts, electronic records and other records were transferred on individual Accounts to the debt buyer. These records were kept in the ordinary course 0f business 0f Capital One Bank (USA): Natignal Asscciation. I am net aware of any errors in these accounts. The above statements are true. t0 the. best 0fmy knowledge. ' _._ , ___. f Sigueathis é? dayof limb" 3.019,, SUBSCRIBED and sworn to before me, the undersigned Notary Public in the jurisdictlon aforesaid, by James R. Lane, who is personally known to me and whg acknowledged before me his signature to the foregoing Affidavit GIVEN under my hand and seal thisL dayoffing 2019. William Westen Paige W‘LL'QMTWESTON PA‘GE Notary Public 825611;??ng COMMONWEALTH {3F WRGWEA MY CUMMISSFfo’EXPIRES O’CT. 31, $0.22 Forward Fiaw Receivable Sale Agreement dated January 25, 2019 CERTIFICATE OF CONFORMITY CERTIFICATE OF CONFORMITY MADE PURSUANT T0 CPLR 2309(2) and RPL 299-3 I: an atto‘rne'y-at-law admitted t0 pxactic-e in the Commonwealth of Virginia, do hereby certify that Wifliam Weston ?aige, is a notary public in and for the Cam‘onwealth 0f Virginia,» in the jurisdiction aforementioned and the acknowledgment upon affidavits for Capital One Bank (USA), Naticnal Associgtion ale taken in the manner prescribed by the laws of the Cninmcnweahh of Virginia and canforms t0 the laws thereaf in ail resPects. § ‘ IN MINESS WHEREQF, 1: have hereunto 3a my signage, this 53gfiday 3f Qua? 32019; ' fl 23/ {3 wg-Q a Lad Ag I E‘rinted Name fx g) fiiwSigned Name Attorney at Law, Commonwealth 0f Virgima Field Field Data Account Number _9605 SeHer Account ID -8553 First Name BRANDON Middle Name O Last Name ALLEN SSN XXX-XX-5322 Date 0f Birth - Address 1 550 TIFFANY DR City HOLLISTER State CA Zip 95023361 5 Open Date 07/19/2018 Last Purchase Date 10/17/2018 Last Purchase Amount $20.31 Last Payment Date 09/22/2018 Last Payment Amount $76.00 Sale Amount $1 £69.04 Charge Off Date 05/18/2019 Charge off Balance $1 269.04 Post Charge Off Interest $0.00 Post Charge off Fee $0.00 Post Charge off Payments $0.00 Post Charge off Payments and Credits $0.00 Post Charge off Credits $0.00 Account information provided by Capital One Bank (USA), N.A. pursuant to the Bill of Sale/Assignment of Accounts transferred on or about 06/1 9/201 9 in connection with the sale 0f accounts from Capital One Bank (USA), N.A. to Midland Credit Management, Inc. OMEGA. BN0076.SALES. PROD-EAST.BFRLE201 9061 2_BNOO76_Customer.dat OMEGA.BN0076.SALES.PROD*EAST.BFRLE201 9061 2_BN0076_main.dat OMEGA.BNOO76.SALES.PROD-EASTBFRLE201 9061 2_BN0076__phone.dat EXHIBIT B AA_0126 File No.1 20-187136 Page l of 2 Platinum MasterCard Account Ending in 9605 Sep. 18, 2018- Oct. 17, 2018 i 3O days in Billing Cycle Payment Due Date For online and phone payments, Previous Balance $1,028.02 the deadline is 8pm ET. ’ m NOV- 14, 2018 Payments $7500 New Balance Minimum Payment Due Other Credits $0.00 $1 ,005.88 $26.00 Transactions + $37.66 LATE PAYMENT WARNING; If we do not receive your minimum payment C&Sh Advances + $000, by your due date, you may have t0 pay a late fee 0f up to $38.00. Fees Charged + $0 OD MiNIMUM PAYMENT WARNENG: if you make oniy the minimum payment each period, you will pay more in interest and it wiH take you mtereStEharged W . V + $1520 longer to pay off your baia’nce. For exampte: New Balance = $1,005.88 Credit Limit $1,000.00 _ _ ._ 7. _ l, 7 V ._ ,7 _ Available Credit (as 0f OGLL 2018) $0.00 Minimum Payment 5 Years $1,669 Cash Advance Credit Limit $500.00 . 6 . .$37 ,, 3 {ears 7 $134 7 , Available Credit for Cash Advances $0.00 Estimated savings if ba‘ance is paid off in about 3 years: $323 lfyou would like information about credit counseling services, caH 1-888-326-8055. 39507.7 rMa?age yea}: accei Int anywhese anytime P e -G: Efifif dfnuv‘ Account Notifications {a Your account has gone over its credit Hmit. 1n addition to your required' minimum payment, please pay enough to bring your acc0unt balance below your credit limit to avoid the possibiiity of being declined. Pay or manage your account on our mobHe app or at wwv- H'W e .C:2 7 Customer Service: 1-800-903-3637 See reverse for Important Information w”? Please send us this portion of your statement and unly one check {or one money order) t0 iagég‘ag 7-335 ensure your payment is processed promptiy. Allow at (east seven business days for deiivery. n 77 V 45093? ‘ Pay your bi“ _ . or; the ga Payment Due Date; Nov. 14, 2018 Accaunt Ending m 9605 w I j D I i ' r ‘ New Balance Minimum . ayment Due Amount Enclosed amt?Elude ax“; $1,005.88 $26.00 $ __.._____ BRANDON O ALLEN 550 TIFFANY DR HOLLISTEfia CA 35023-3515 Capital One l” I P-O. BOX Ensqq I” City Of IndUSth1 CA al715-Usqq WW"Ih'lll'1'ihlIIII'Im’l“|":Hnl”wh-“l'lihll 1 9605 17 1005880076000026007 ng can l Avoid Pavinq Interest Charges? If you pay your statement‘s New Balance in full by the due date, we will not charge you interest on any new transactions that post t0 the purchase segment if you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the bafance that you did not pay‘ For Cash Advances and Special Transfers, we wiH start charging Interest on the transacticn date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information, How is the Interest Charge agglied? interest Charges accrue from the date of the transaction or the first day of the Billing Cyde. Intemst Charges accrue 0n every unpaid amount until it is paid in full‘ This means you may owe Interest Charges even if you pay the entire New Balance for one Biiling Cycle, but did not do so the previous BiHing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum interest Charge? We may assess a minimum Interest Charge of $0.00 for each Billing Cycle if your account is subject to an Interest Charge, How do you Calculate the Interest Charge? We use a method called Average Daily Baiance [including new transactions). .First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day’s baiance. Then we subtract any payments and credits for that segment as of that day. The result is the daiiy balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily baIancev 2‘ Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycfe. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle! we multiply yOur Average Daily Baiance for each segment by the daily periodic rate (APR divided by 365) for that segment: and then we multiply the result by the number of days in the BilHng Cycle‘ We add the interest Charges for aH segments together. The result is your totat Interest Charge for the BiHing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due t0 rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actualiy assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Well Street Journal ). The letter code below corresmnds with the letter naxt to your APRs in the Interest Charge Calculation section of this statement. ._.x Code next to How do we calculate your When your APR(5) will change your APR(s) APRts)? Index + mggin P Prime Rate + margin The first day of the Billing Cycles that L 3 month LIBOR + margin end in Jan., April. July‘ and Oct D Prime Rate + margin The first day of each Billing Cycle. F 1 month LIBOR + margin How can | Avoid Membersmp Fees? If a Renewal Notice is printed 0n this statement. you m_ay avoid paying an annual membership Eee by contacting Customer Service nojater than 45 days after the last day in the Bil|ing CycIe covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthfy membership Fee‘ How can i Close M1 Account? You can contact Customer Service anytime to request that we close your account. Chanqinq Mailinq Address? You can change your address by signing into your account onhne or calling Custcmer Service; 001 How do you Process Payments? When you make a payment. you authorize us to initiate an ACH or electronic payment that wili be debited from your bank account or other related account. When you provide a check 0r check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account: We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment How do vou Applv Mv Payment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR (including 0% APR}, and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment t0 the balance with the highest APR, and then to balances with lower APRS. Billing Riqhts Summary (Does not Apply t0 Smali Business Accourfi What To Do If Yeu Think You Find A Mistake On Your Statement : If you think there is an error 0n your statement! write to us at: Capital One P.O. Box 30285 Salt Lake City: UT 84130-0285. In your letter, give us the following information; - Account information: Your name and account number. - DoHar amount: The dollar amount of the suspected error. o Description of Problem: 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 days after the error appeared 0n your statement. You must notify us of any potentiai errors in writing. You may call us or notify us electronicaliy, but if you do we are not required t0 investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 3O days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: - We cannot try to collect the amount in question, or report you as delinquent on that amount. 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‘ u While you do not have to pay the amount in question until we send you a notice about the outcome 0f our investigation, you are responsible for the remainder 0f your baiance. o We can apply any unpaid amount against your credit limit. Within 90 days 0f our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: 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, the foliowing must be true: 1) 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 d0 not qualify; and 2) You must not yet have fully paid for the purchase. if aH of the criteria above are met and you are still dissatisfied with the purchase‘ contact us in writing at: Capital One, PO. Box 30285, Salt Lake City. UT 84130-0285. While we investigate; the same rufes apply to the disputed amount as dis‘cus‘sed above. After we finish our investigation: we will teH you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-{18 © 2016 Capital One, Capital One is a federally registered service mark 11/01/16 How do I_ Make Payments? You may make your payment m several ways: Oniine Banking by logging into your account: 2. Capital One MobiIe Banking app for approved electronic devices; 3. Calling the telephone number Eisted on the from 0f this statement and providing the required payment information; 4. Sending maii payments to the address on the front of this statement with the payment coupon 0r your account information When wiil vou Credit My Payment? c For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 pm. ET. o For mail, as of the business day we receive it, as long as it is received by 5 pm. local time at our processing center. You mast send the battom portion of this statement and your check to the payment address on the front of this statement. Please allow a! least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as 0f the day we receive them. BRANDON 0 ALLEN #9605: Payments, Credits and Adjustments Date Description Date Description Amount Sep 22 CAPITAL ONE MOB‘LE PYMTAUthDate - $716.09 22-Sep BRANDON 0 ALLEN #9605: Transactions Date Description Amount Sep 24 SQ *SQ *JAVA EXPRESS GHollisterCA $4.75 Sep 3O SQ *SQ *JAVA EXPRESS GHoHisterCA $5.25 Oct 2 7~ELEVEN 196OOHOLLISTERCA $2.79 Oct 3 SQU*SQ *JAVA EXPRESS GHollisterCA $11.00 Oct 5 SHOP N SAVE #BHOLLISTERCA $1.88 Oct 14 SQ *SQ *JAVA EXPRESS GHollisterCA $5.25 Oct 14 SAFEWAY FUEL #1757HOLLISTERCA $3.79 Oct 15 SQU*SQ *JAVA EXPRESS GHoHisterCA $2.95 BRANDON 0 ALLEN #9605: Total $37.66 Total Transactions for This Period $37.66 Amount Tatai Fees for This Period $0.06 Total Fees charged Total Interest charged Interest Charge on Purchases $16.20 Interest CHarge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $16.20 $25.00 $32.76 Page 2 of 2 Platinum MasterCard Account Ending in 9605 Sep. 18, 2018 - Oct. 17, 2018! 3O days in Billing Cycie Your Annua! Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Baiance Rate