NO: CVl66008948S
`
`: SUPERIOR COURT
`
`Bank of America, N.A.
`
`VS.
`
`JD OF NEW HAVEN
`:
`: AT MERIDEN
`
`MARIBEL MEDINA
`
`: May 24, 2016
`
`MOTION FOR JUDGMENT AND ORDER OF PAYMENTS
`
`Based upon the default for failure to plead entered by
`
`this Court on 05/02/16, plaintiff moves this Court for
`
`the entry of judgment against the defendant for the following:
`
`$5091.57
`
`Amount of Damages less payments
`payments received to date
`
`$404.00
`
`Costs for entry fee and service
`of process.
`
`Plaintiff further requests that this Court entry an order of
`
`nominal payments of $35.00 per week to be sent by defendant to
`
`LAW OFFICES HOWARD LEE SCHIFF P.C., counsel for plaintiff, P.O.
`
`BOX 280245, East Hartford, CT
`
`06128-0245.
`
`PLAINTIFF WW/
`$.11.»
`
`By:
`
`\w‘
`Holly R. Nelen, Attorney at Law
`Attorney for
`Bank of America, N.A.
`Law Offices Howard Lee Schiff PC
`510 Tolland Street POB 280245
`East Hartford, CT 06128-0245
`Telephone (860) 528-9991
`Juris No. 419040
`
`

`

`CERTIFICATION
`
`I hereby certify that a copy of the foregoing and any
`attachments wer
`(served as required by the Connecticut Practice
`’!}67 (0
`, 2016 on the following counsel and
`Book on 5
`pro se par ies of record herein:
`
`MARIBEL MEDINA 300 BRITANNIA STREET APT.2 MERIDEN,CT.06450
`
`fc
`CN—Z13718
`
`Holly R. Nelen, Attorney at Law
`Commissioner of the Superior Court
`
`THIS COMMUNICATION IS FROM A DEBT COLLECTOR
`
`

`

`NO: CV166008948S
`
`: SUPERIOR COURT
`
`Bank of America, N.A.
`
`VS.
`
`JD OF NEW HAVEN
`.
`: AT MERIDEN
`
`MARIBEL MEDINA
`
`: May 24, 2016
`
`PLAINTIFF'S BILL OF COSTS
`
`ENTRY FEE
`
`WRIT FEE
`
`$ 350.00
`
`$
`
`MARSHAL'S FEE
`
`$ 54.00
`
`PRE—TRIAL INDEMNITY FEE
`
`$
`
`TRIAL OF AN ISSUE OF LAW
`OR FACT
`
`(C.G.S. SEC. 52-257)
`
`$
`
`TOTAL
`
`$ 404.00
`
`THE PLAINTIFF
`
` ly R. Nelen, Attorney at Law
`
`Attorney for
`Bank of America, N.A.
`Law Offices Howard Lee Schiff PC
`510 Tolland Street POB 280245
`
`East Hartford, CT 06128-0245
`
`Telephone (860) 528-9991
`Juris NO. 419040
`CN-Zl37l8
`JP
`THIS COMMUNICATION IS FROM A DEBT COLLECTOR
`
`
`
`

`

`CVl66008948S
`
`Bank of America, N.A. V. MARIBEL MEDINA
`
`MILITARY SERVICE AFFIDAVIT
`
`The undersigned being duly sworn, deposes and says that the
`Defendant(s) Social Security number, first and last name was
`electronically communicated to the Department of Defense
`Manpower Data Center (DMDC). Based upon this information,
`DMDC indicates that it does not possess any information
`indicating the individual is on active duty.
`
`the
`
`064741}
`
`Natalie Deloreto
`
`Investigator
`
`on
`
`i) Fig
`
`““~> the signer of the foregoing
`
`Affidavit personally appeared before me and made oath to the
`truth of the matter as set forth herein.
`
`Subscribed and sworn to me,
`
`this <3¢’ $59 /770%‘ 2016.
`
`4/4‘
`
`Saida Pagan Tate
`Notary Public
`My Commission expires: 2/29/2020
`
`AY
`CN—Zl37l8
`
`

`

`
`
`Sixth): illepott
`Pmfmm tn
`
`Civil Relief Act
`
`Last Name: MEDINA
`
`First Name: MARIBEL
`
`Middle Name:
`
`Active Duty Status As Of: May-23-2016
`
`Mary M. Snavely-Dixon, Director
`Department of Defense - Manpower Data Center
`4800 Mark Center Drive, Suite 04E25
`Arlington, VA 22350
`
`

`

` .:_j_.
`
`Reporting System (Ul:l:|'(5) database Which IS the othclal SOUTCS OT data 0|’! eligibility for military medical care and other eligibility systems.
`
`The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. 9 501 et seq, as amended) (SCRA) (formerly known as the
`Soldiers‘ and Sailors‘ Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual
`is currently on active duty" responses, and has experienced only a small error rate.
`In the event the individual referenced above. or any family member,
`friend. or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections
`of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via this URL:
`https://kb.defense.gov/PublicQueries/pub|icQuestions/FaqsAnswers.jsp?Subject=Locating Service Members or Getting a Mailing Addresss.
`If you have
`evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the
`SCRA may be invoked against you. See 50 USC App. y 521(c).
`
`(1) The individua|'s Active Duty status on the Active Duty Status Date (2) Whether the individual left Active
`This response reflects the following information:
`Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active
`duty on the Active Duty Status Date.
`
`More information on "Active Duty Status"
`Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less
`than 30 consecutive days in length were available.
`In the case of a member of the National Guard, this includes service under a call to active service
`
`authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the
`President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the
`unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve
`Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service memberwho is an active duty commissioned officer of the U.S.
`Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps).
`
`Coverage Under the SCRA is Broader in Some Cases
`Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be
`reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Sewices periods.
`Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1).
`
`Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website
`certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service.
`Furthermore. some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted. but who have not
`actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA
`extend beyond the last dates of active duty.
`
`Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA
`are protected
`
`WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing
`erroneous information will cause an erroneous certificate to be provided.
`
`Certificate ID: EOCE623ED36CF9O
`
`

`

`File No.: Z137l8
`
`Bank of America, N.A.
`Plaintzfif
`v.
`
`MARIBEL MEDINA
`
`(hereinafter, the “Defendant ”)
`Case No.
`
`The undersigned, being duly sworn, makes the following oath:
`
`AFFIDAVIT
`
`1. I am over 18 years old and competent to make this Affidavit. I am a Custodian of Records, an
`authorized Officer and employee of Plaintiff Bank of America, N.A. (“BANA”).
`I am duly authorized to
`make this Affidavit, and because of the scope of my job responsibilities, I am familiar with the manner
`and method by which BANA maintains its normal business books and records, including computer
`records of defaulted accounts.
`
`2. BANA is a wholly-owned subsidiary of Bank of America Corporation and the successor-in-interest to
`FIA Card Services, N.A., formerly known as MBNA America Bank, N.A. (“FIA”). FIA was merged into
`and under the charter and title of BANA effective October 1, 2014.
`
`3. These books and records are made in the course of regularlyconducted business activity (1) at or near
`the time the events they purport to describe occurred, by a person with knowledge of the acts and events,
`or (2) by a computer or other similar digital means, which contemporaneously records an event as it
`occurs. The contents of this Affidavit are believed to be true and correct based upon my personal
`knowledge of the processes by which BANA maintains its business books and records.
`
`4. The books and records of BANA show that the Defendant opened an account with BANA, or a
`predecessor in interest, for the purpose of obtaining an extension of credit (the “Account”) and did
`thereafter use or authorizethe use of the Account for the acquisition of goods, services, or cash advances
`in accordance with the customer agreement (“Agreement”) governing use of the Account. Further, the
`Defendant has breached the Agreement by failing to make periodic payments as required thereby.
`
`5. The books and records of BANA show that the Defendant is currently indebted to BANA on account
`number 143l for the just and true sum of $5091.57 and that all offsets, payments,
`and credits have been allowed. The Agreement entered into between the Defendant and the Plaintiff, or a
`predecessor in interest, also authorizes Plaintiff to recover reasonable costs, to the extent permitted by
`law, from Defendant.
`
`6. A true and correct copy of the last account billing statement generated prior to charge-off is attached
`hereto as Exhibit “A”.
`
`

`

`I declare under the penalty of perjury that the foregoing is true and correct and if called as a witness I
`7.
`would competently testify, under oath, thereto.
`"
`
`Given under my hand on:
`
`Affiant Name (Printed) Marty J. Jarrell
`
`Affiant Name (Signature)“
`
`Title of Affiant Officer
`
`State of: North Carolina
`
`County of: Guilford
`
`SUBSCRIBED and sworn to before me, the undersigned Notary Public in and for the
`jurisdiction aforesaid, by Margg J. Jarrell, who acknowledged before me his/her signature to the
`foregoing Affidavit.
`
`GIVEN under my hand and seal this
`
`day of
`
`FEB 2 5 2015
`
`, 20
`
`@414‘
`Notary Public
`Notary Registration Number:
`My Commission Expires: Q1L_/
`
`201
`[Owl L2
`
`a ' ‘ ‘ ‘s
`
`

`

`Ban8‘kAmeI'icard | Rewards”
`
`BankofAmerica”?/
`
`MARIBEL MEDINA
`Account Number:
`May 17 - June 16. 2015 '
`
`Account information:
`www,ba,nkofa,me,-ica,,com
`M8“ b""|1S Iflquiries to:
`Bank Of America
`P-O- 3°)‘ 932235
`El Paso TX 79998-2235
`
`Account Summary
`
`Previous Balance ...................... ..$5.039.99
`Payments and Other Credits .................. ..0.00
`Purchases and Adjustments .................. ..0.00
`Fees charged .............
`Interest Charged
`
`..5:I..58
`
`New Balance Total ...................... ..$5,091.57
`
`Total Credit Line .......................... ..$5.600.00
`Total Credit Available ..
`.
`Cash Credit Line ....................... .....$1.680.00
`Portion of Credit Available for Cash....$508.43
`
`Statement Closing Date .................. ..6/16/15
`Days in Billing Cycle ................................ ..31
`
`1431
`
`Payment Information
`........... ..
`New Balance Total ...........................
`Current Payment Due ..................................... ..
`Past Due Amount ........................................... ..
`
`........................ ..$5.091.57
`........................... ..$101.00
`................. ..$822.00
`
`Mail payments to:
`
`Bank “America
`P.O. Box 15019
`
`Total Minimum Payment Due ........................... ..
`Payment Due Date ...................................................................... ..7/13/15
`
`........................... ..$923.00
`
`W“mmgt°" DE 198865019
`customer Service:
`1.800.421.2110
`
`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 $35.00 and
`your APRs may be increased up to the Penalty APR of 29.99%.
`
`(1-300-346-3173 TTY)
`
`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 c
`,.
`using T,I1l.‘:.
`and each month you
`I385’
`
`Only the Total
`Minimum Payment
`
`lhez halal’ e
`.~3l’Iown on this
`statcrm:-nf in about
`
`u p
`
`16 years
`
`$8,580.00
`
`If you would like information about credit counseling services, call
`1-866-300-5238.
`
`Transactions
`
`Transaction
`Posting
`Reference
`Account
`Date
`Date
`Descriafion
`Number
`Number
`Amount
`Total
`
`
`.
`
`06/16
`
`06/16
`
`Interest charged
`INTEREST CHARGED ON PURCHASES
`TOTAL INTEREST FOR THIS PERIOD
`
`1431
`
`51.58
`
`$51.58
`
`
`
`2015 Totals Year-to-Date
`
`Total fees charged in 2015
`
`Total interest charged in 2015
`
`
`
`
`$175.00
`
`$303.54
`
`Q 1.LI31
`
`BANK OF AMERICA
`PO. BOX 15019
`WILMINGTON DE 19886-5019
`
`MARIBEL MEDINA
`300 BRITANNIA ST APT 79
`MERIDEN CT 06450-2277
`
`Account Number: —1431
`
`New Balance Total ........................................................ ..$5.091.57
`Total Minimum Payment Due ......
`...................................... ..923.00
`O7/13/15
`Payment Due Date .... ..
`
`Enter payment amount
`
`Check here for a charge ofmailing address orphone numbers.
`Please provide all corrections on the reverse side.
`Mail this coupon along with your check payable to: Bank of America
`
`
`
`¢-——j=-.a=u-
`
`

`

`
`
`IMPORTANT INFORMATION ABOUT THIS ACCOUNT
`
`CUSTOMER TIPS FOR DISPUTED ITEMS
`Many times disputed charges are legitimate charges that customers may not recognize
`or remember. Before disputing a charge, we recommend that you verify a few things and make
`every effort to resolve the dispute with the merchant. Often the merchant can answer your
`questions and easily resolve your dispute. The merchant's phone number maybe located on your
`receipt or billing statement.
`- Has a credit posted to your account?
`Please allow up to 30 days from the date on your credit voucher or acknowledgement letter
`for the merchant credit to post.
`- Is the charge or amount unfamiliar?
`Check with other persons authorized to use the account to make sure they did not make
`the charge. it is possible that the merchants’ billing names and store names are different or
`amounts can easily be confused with similar charges or include tips.
`One way to check for the credits or to view transaction details is to look at your account
`statements online if you are not enrolled in Online Banking It is easy to enroll using the web
`address on the front of your statement or give us a call.
`Please remember: If you find an error on your bill, you must notify us no later than
`60 days after we sent your first statement on which the error or problem appeared
`to preserve your billing rights.
`
`PAYING INTEREST
`We will not charge interest on Purchases on the next statement if you pay the New Balance
`Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date.
`We will begin charging interest on Balance Transfers and Cash Advances on the transaction date.
`CALCULATION OF BALANCES SUBJECT TO 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: (T) calculating
`a daily balance for each day in the billing cycle; (2) adding all the daily balances together; and (3)
`dividing the sum of the daily balances by the number of days in the billing cycle.
`To calculate the daily balance for each day in this statement‘: billing cycle, we: (I) 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 is less than zero we
`treat it as zero
`t
`
`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: (I) calculating a daily balance for each day in 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 is a Balance Transfer or a Cash Advance
`with a transaction date prior to this statements 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 in this statement's billing cycle.
`To calculate the daily balance for each day in this statements 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 is less than zero we
`treat it as zero.
`To calculate a daily balance for each day prior to this statements billing cycle that had a
`Pre—Cyc|e balance; (I) we take the beginning balance attributable solely to Pre-Cycle balance
`(which will 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 in previous billing cycles.
`
`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 slip on the front of your monthly statement;
`(2) paid with a check drawn in U.S. dollars on a US. 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.
`No payment_shal| 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. For more information or to stop the
`electronic funds transfers, call us at the number listed on the front
`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.
`‘
`
`CE0201 Rev. 11/14
`
`QNLENE
`Online Banking is available 24 hours a day, 7 days a week and
`
`allows you to view the most recent activity on your account.
`
`
`PHQNE
`1.866.266.0212
`For prompt service, please have the merchant reference number(s) available
`for the chargels) in question.
`
`MAIL
`Attn: Billing Inquiries PO Box 982235, El Paso, TX 79998
`When writing, please include Your Name, Account Number, the Disputed
`Amount. Merchant Name. Transaction Date, and reference number of
`the disputed item and specific details regarding your dispute, including dates
`of contact with the merchant and the merchant's response in each instance.
`Please include all supporting documentation, including sales and credit
`
`vouchers, contract and postage return receipts as proof of any returns.
`
`TOTAL INTEREST CHARGE COMPUTATTON
`interest Charges accrue and are compounded on a daily basis. To determine the interest
`Charges we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate
`and that result is multiplied by the number of days in 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 is calculated by dividingan 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 will 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
`in excess of your Total Minimum Payment Due will be applied to balances with higher APRs
`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 will 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 Line is the amount of credit available for the account; however, only a
`portion of that is available for Bank Cash Advances. The Cash Credit Line is 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
`For the complete terms and conditions of your account. consult your Credit Card Agreement.
`This account is issued and administered by FIA Card Sen/ices. FIA Card Services is a registered
`trademark of FIA Card Services and/or its affiliates.
`
`lfyour billing address or contact information has changed, or if your address is
`Incorrect as It appears on this bill, please provide all corrections here.
`
`Address 1
`
`Address 2
`
`_____________s Zip
`
`City
`
`State
`Area Code &
`Home Phone
`
`Area Code 8:
`Work Phone
`
`

`

`Ban'kAme.ricard | Rewards‘
`
`_
`
`Bankof America ”>(
`
`. ‘:43:
`May 17 - June 16, 2015
`Page 3 of 4
`
`Important Messages
`
`You're a valued customer and we want you to know that we haven't received your wrnent payment due. Please send your payment due today. If you've already
`mailed it, thank you.
`-
`
`Interest Charge Calculation
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`Promotional
`Annual
`Percentage Transaction
`Rate
`Type
`
`Purchases
`Balance Transfers
`Direct Deposit and check Cash
`Advances
`Bank Cash Advances
`
`11 . 99%V
`11 . 99%V
`16 . 99%V
`
`19 . 24%V
`
`APR Type Definitions: Daily Interest Rate Type: v= Variable Rate (rate may vary)
`
`Promotional
`Offer ID
`
`Promotional
`Rate End
`Date
`
`.
`
`-
`
`'
`
`Balance
`Subject to
`Interest
`Rate
`
`$5 , 064 . 89
`$
`0 . 00
`S
`0 . 00
`
`$
`
`0 . 00
`
`Interest
`charges by
`Transaction
`Type
`
`$51 . 58
`S 0 . 00
`$ 0 . 00
`
`$ 0 . 00
`
`POINTS
`
`0 MONTHLY EARNINGS
`0
`BONUS POINTS THIS MONTH
`0
`POINTS AVAILABLE
`
`

`

`

`

`BaIikAmei'icard | Rewards“
`
`Bankof America ’}}(
`
`MARIBEL MEDINA
`Account Numberzq 1431
`March 17 -April 16. 2015
`
`Account Information:
`www.ba.nkofa.merica.com
`
`.
`
`_
`
`_
`
`.
`
`.
`
`Mail billing Inquiries to:
`Bank Of America
`15’-0- BOX 933335
`
`E1P5‘9°TX 79998'2235_
`M3" PaY'“°“t5 ‘°3
`'
`Bank °fAme1'1°&
`P.0. Box 15019
`
`mlmingm" DE 198865019
`customer service:
`1.800.421.2110
`
`(1-800-3453173 TTY)
`
`New Balance Total ................................................................... ..$4,955.87
`Current Payment Due ........................... ..
`...$134.00
`
`...$555.00
`Past Due Amount ................................. ..
`
`Total Minimum Payment Due ........................................................ ..$689 .00
`Payment Due Date ................................................................. ..5/13/15
`
`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 $35.00 and
`your APRs may be increased up to the Penalty APR of 29.99%.
`Total Minimum Payment Wamlng: 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:
`
`§\\\
`\¥\
`
`\\
`
`Fees charged ........
`|nt8l'851‘- Chafged
`
`New Balance Totai ...................... ..$4,955.87
`
`rota] credit Line ________________________ __$5_eoo_oo
`-rota, c,.ed;t AVa"ab|e_
`
`Cash Credit l_ine ........................ ..$1,680.00
`portion of credit Avaname for cash ,,_,$644,13
`Statement Closing Date .................. ..4/16/15
`Days in Billing Cycle ................................ ..31
`
`If you would like information about credit counseling services, call
`18663005238.
`
`.:\_\
`Posting
`Transaction
`7005/
`Amount
`Number
`Number
`Description
`Data
`Data
`
`Payments and Other Credits
`CT Banking Center payment
`
`04/04
`
`04/04
`
`-$100.00
`
`Fees
`
`5304
`
`1431
`
`-100.00
`
`04/13
`
`04/13
`
`LATE FEE FOR PAYMENT DUE
`TOTAL FEES FOR THIS PERIOD
`
`1431
`
`35.00
`
`$35.00
`
`m H 2 1
`
`BANK or AMERICA
`
`WILMINGTON DE 198865019
`
`Account Number: ~1431
`
`New Balance Total ........................................................ ..$4.955.87
`Total Minimum Payment Due ............................................. ..689.00
`Payment Due Date.....
`.. 05/13/15
`
`
`
`MAR”3E'- MEDWA
`300 BRITANNIA ST APT 79
`MERIDEN CT 06450-2277
`
`Enter payment amount
`
`El Check here fora charge ofmailing address orphone numbers.
`P/ease prowde all corrections on the reverse side.
`Mail this coupon along with your check payable to: Bank oi‘ America
`
`mu 2- in-
`
`
`
`

`

`
`
`(y_vrPorayr_rv_r_rIvForarv15Tro~ ABOUT rr-us ACCOUNT
`
`CUSTOMER TIPS FOR DISPUTED ITEMS
`Many times disputed charges are legitimate charges that customers may not recognize
`or remember. Before disputing a charge. we recommend that you verify a few things and make
`every effort to resolve the dispute with the merchant, Often the merchant can answer your
`questions and easily resolve your dispute. The merchant‘s phone number may be located on your
`receipt or billing statement.
`- Has a credit posted to your account?
`Please allow up to 30 days from the date on your credit voucher or acknowledgement letter
`for the merchant credit to post
`- Is the charge or amount unfamiliar?
`Check with other persons authorized to use the account to make sure they did not make
`the charge. It is possible that the merchants’ billing names and store names are different or
`amounts can easily be confused with similar charges or include tips.
`One way to check for the credits or to view transaction details is to look at your account
`statements oniine. If you are not enrolled in Online Banking it is easy to enroll using the web
`address on the front of your statement or give us a call.
`Please remember: If you find an error on your bill, you must notify us no later than
`60 days after we sent your first statement on which the error or problem appeared
`to preserve your billing rights.
`
`PAYING INTEREST
`We will not charge interest on Purchases on the next statement if you pay the New Balance
`Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date.
`We will begin charging interest on Balance Transfers and Cash Advances on the transaction date.
`CALCULATION OF BALANCES SUBJECT TO 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: (i) calculating
`a daily balance for each day in the billing cycle; (2) adding all the daily balances together; and (3)
`dividing the sum of the daily balances by the number of days in the billing cycle.
`To calculate the daily balance for each day in this statements billing cycle. we: (i ) 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 is less than zero we
`treat it 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: (i) calculating a daily balance for each day in this statement’s
`billing cycle; (2) calculating a daily balance for each day prior to this statements billing cycle
`that had a “Pre—Cycle ba|ance"—a Pre—Cycle balance is a Balance Transfer or a Cash Advance
`with a transaction date prior to this statements 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 in this statements billing cycle.
`To calculate the daily balance for each day in this statements 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 is less than zero we
`treat it as zero.
`To calculate a daily balance for each day prior to this statements billing cycle that had a
`Pre-Cycle balance; (1 ) we take the beginning balance attributable solely to Pre—Cycle balance
`(which will 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 in previous billing cycles.
`
`PAYMENTS
`We credit mailed payments as of the date received, if the payment is: (i) received by 5 p.m.
`local time at the address shown on the remittance slip on the front 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. lOGl 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 oniine or by phone will be credited as of the
`date of receipt if made by S p.m. Central. Credit for any other payments may be delayed up to
`five days.
`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. For more information or to stop the
`electronic funds transfers. call us at the number listed on the front
`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.
`
`CE0201 Rev. 1 1/14
`
`ONLINE
`
`Online Banking is available 24 hours a day, 7 days a week and
`‘
`allows you to view the most recent activity on your account
`
`
`PHONE
`1.866.266.0212
`For prompt service. please have the merchant reference numberls) available
`for the charge(s) in question.
`
`MAIL
`Attn: Billing Inquiries PO Box 982235, El Paso, TX 79998
`When writing, please include Your Name, Account Number, the Disputed
`Amount, Merchant Name, Transaction Date, and reference number of
`the disputed item and specific details regarding your dispute. including dates
`of contact with the merchant and the merchant's response in each instance.
`Please include all supporting documentation. including sales and credit
`vouchers, contract and postage return receipts as proof of any returns.
`
`
`TOTAL INTEREST CHARGE COMPUTATION
`interest Charges accrue and are compounded on a daily basis. To determine