IL‘I'L‘I’I U
`
`STATE OF CONNECTICUT
`MOTION FOR DEFAULT FOR
`SUPERIOR COURT
`FAILURE TO APPEAR, JUDGMENT
`WWW.jUd.Ct.gOV
`AND ORDER FOR WEEKLY PAYMENTS
`RETURN DATE
`JD-CV—49 Rev. 8-99
`INSTRUCTIONS TO PLAINTIFF/PLAINTIFFS ATTORNEY
`133- §§ 17'25. 9‘ seq.
`Complete this Motion and an Affidavit of Debt (JD——-CV-52) and send original of each 7/31/2018
`to the Clerk’s Office and one copy of each to all defendants. Complete section lo
`the Notice of Judgment and Order for Weekly Payments (JD-CV—50) and file in DOCKET NO.
`
`duplicate with the Clerk5 Office.
`NNI-CV-1&6014134S
`
`To; The superior court
`
`E
`‘
`
`“mull"“llnlll
`
`GA. No.
`
`ADDRESS OF COURT (No., street, town and zip code)
`54 WEST MAIN ST. MERIDEN . CT 06451
`
`Housing
`Judicial
`[:1
`1:] Session
`I District
`NAME OF CASE (Plaintiff v. Defendant)
`BANK OF AMERICA, N.A. v. EVELYN FLORES
`NAME(S) OF ALL DEFENDANT(S) AGAINST WHOM MOTION IS FILED
`EVELYN FLORES
`
`In the above entitled action, the Plaintiff(s) respectfully represent(s) that the Defendant(s) named above has (have) failed to
`file an appearance within two days after the return date. The Plaintiff(s) therefore request(s) that a default be entered
`against the Defendant(s) for failure to appear and that the Court enter judgment after default in favor of the Plaintiff(s) in
`accordance with the Affidavit of Debt attached. ("X" one of the following)
`
`The Plaintiff(s) also request(s) that an order for
`NAME OF PERSO SIGNING MOTION
`JACQUELI/
`”A“???
`//l/////////
` ' underned. beingduly sworn, deposes and says that: ("X" one ofthe following)
`
`NOMINAL El REASONABLE
`ADDRESS
`RUBIN 8: ROTHMAN, LLC 1787 VETERANS MEMORIAL HIGHWAY SUITE 32 ISLANDIA, NY
`11749
`
`weekly payments be entered.
`
`35-00
`
`[:I the undersigned is unable to determine whether or not the Defendant(s) in this action are in the military or naval service
`of the United States.
`
`no Defendant in this action is in the military or naval service of the United States, and that, to the personal knowledge of
`the undersigned (state facts showing defendant is not in such service):
`
`SEE ATTACHED
`
`THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
`
`LATOYA K, ANDEREON
`Notary Public, State of New York
`NO. 01AN6292297
`Qualified in Suffolk County
`
`:2 i
`
`D
`
`CommissionExpiresNovember4.20......
`////////
`/%// //
`PRINTNAMEAND, IFAPPLICABLETITLEOFAFFIANT
`DATE3
`SIG/v’
`"”/
`JACQUELINE RIZZARDI E‘r-‘I
`NED 0
`rs W
`.ubscribed and sworn to before me: a"WQAAWDATE
`-at:§upIesoftheabove Motion, MI arySerVIceAffI aVIt,
`
`
`Affidavit of Debt, and Plaintiff’s Bill of Costs w re
`$360.00 US. Mail, postage prepaid on(date):
`912%?
`
`Complaint Fee .......................
`
`Entry Fee...............................
`
`Sheriff’s Fee ,,,,,,,,,,,,,,,,,,,,,,,,,,,
`Proceedings Before Trial ........
`
`'vered/mailed via
`
`
`
`$5200
`
`to the following Defendants: (Enter name(s) an
`Defendant(s)).
`
`EVELYN FLORES 142 CHURCH ST HAMDEN CT 06514-3439
`
`
`
`ddress(es) of
`
`SIGN/W [:1 PLAINTIFF
`//
`I ATTORNEY FOR PLAINTIFF(S)
`
`FOR COURTUSE ONLY
`
`

`

`Department of Defense Manpower Data Center
`
`Mubadzsvto-zoteoeaosmSW L8
`
`
`
`Statue Report
`Pursuant tn Servicememoere CM! Refit-f Act.
`
`ss~: -
`Birth Date: -
`
`Last Name:
`
`FLORES
`
`First Name:
`
`EVELYN
`
`Middle Name:
`
`Status As Of:
`
`Sep-10-2018
`
`Certificate ID:
`
`926JCQY6PVNGDDC
`
`This response reflect:m the
`
`'basedontheinformafionthatyouprovidetheabovetshestehxsof
`Upon seamhingmedatabanksotmeDepadmerrtofDefenseMmpowerD Cent
`the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and
`Coast Guard). This status Includes Information on a Sewtoernember or his/her unit receiving notification of future orders to report for Active Duty.
`
`Michael V‘ Sorrento. Director
`Department of Defense - Manpower Data Center
`400 Giging Rd.
`Seaside, CA 93955
`
`

`

`The Defense Manpower Data Center (DM DC) is an organization of the Department of Defense (000) that maintains the Defense Enrollment and Eligibility
`Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems.
`
`The 000 strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. ? 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. Service contact
`information can be found on the SCRA website‘s FAQ page (Q33) via this URL: httpsJ/scra.dmdc.osd.mil/faq.xhtml#033.
`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. ? 521(c).
`
`This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active
`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) (t ). 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 member who is an active duty commissioned officer of the US.
`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 Services 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 reiy 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.
`
`

`

`1Z4Z4/U
`
`NOTICE OF JUDGMENT
`WEEKLY PAYMENTS
`AND ORDER FOR
`JD-CV-50 Rev, 9.09
`PB. § ”‘23 et seq.
`
`Instructions to cm
`attorneyandkeeptheoriginalinthecourtfile.
`Mail a copy ofthis notice and order to plaintiff/plaintiff’s
`Instructions to Plaintiff/Plainth Attorney
`1' gomptte §lSCtIOgILt "/in ‘n 8 ct' n [I b tilli
`in the name
`2' aiisddzssilth:pz,so:that; 53receive gyms
`3. After notification ofjudgment send a copy of this notice to the
`Defendant(s) and return the original to Clerk's Office with the
`certification below completed (Section III).
`
`STATE OF CONNECTICUT
`,
`www.jud.ct.gov a
`SUPERIOR COURT w
`M
`
`Illllllll llll Illlll llll lllllllllll lllll ll Ill
`Docket number
`NNl—CV—18-601 4134s
`
`Section | (To be completed by PlaintifflPIaintifi’s Attorney)
`Judicial
`Housing
`friggmphic
`Address of court (Number. street, town, and Zip code)
`District
`Session
`Numbe,
`54 WEST MAIN ST. MERIDEN . CT 06451
`Name of case (Plaintiff v. Defendant)
`BANK OF AMERICA. N.A. v. EVELYN FLORES
`Name(s) of Defendant's who must pay the judgment
`EVELYN FLORES
`
`
`
`Section II
`
`- Notice To All Parties (To be completed by clerk)
`
`The following judgment may be enforced 21 (twenty-one) days after the clerk receives a
`certification that a copy of this notice was served on each judgment debtor (defendant).
`
`Judgment
`
`After reviewing the affidavits filed in this matter, the court finds that the defendant(s) named above is/are not in the military
`or naval service and that the following are owed to the Plaintiff(s):
`
`1. Amount Due On Claims ............
`
`$12,033.49
`
`2. Interest .........................
`
`3. Reasonable Attorney’s Fees .........
`
`4. Other Lawful Charges ..............
`
`5. Total Amount Of Judgment ..........
`(Total of lines 1-4)
`6. Plaintiff’s Costs ...................
`
`7. Total Amount Of Judgment And Costs
`(Total of lines 5 and 6)
`
`$0.00
`
`$0.00
`
`$0.00
`
`
`$12 033.49
`
`$422.00
`
`a 12 455.49
`
`Judgment is rendered for the Plaintiff(s) and the Defendant(s) named above must pay the Total Amount of Judgment and costs
`to the Plaintitf(s). it is also ordered that the Defendant(s) who must pay the judgment must make weekly payments as follows:
`ae rs Dame" lsue
`
`
`
`v
`
`‘
`
`Payable to (Name and address ofperson who is to receive payments)
` RUBIN & ROTHMAN, LLC 1787 VETERANS MEMORlAL HlGHWAY SUITE 32 lSLANDIA. NY 11749
`By the CW“ (Name 0’ Judge)
`Signed (Judge/Assistant clerk)
`
`Date signed
`
`
`
`
`
`- Certification Of Service 0f Notice And Judgment To All Parties
`Section III
`I certify that a copy of this Notice and Judgment has been delivered or mailed by US. Mail, to the Defendants named below and that I paid
`the postage for that mailing. (Enter name(s) and address(es) of Defendant(s)):
`EVELYN FLORES 142 CHURCH ST HAMDEN, CT 06514-3439
`
`Signed (PlaintifiYAItomey for Plaintiff)
`
`Date signed
`
`Date delivered/mailed
`
`W
`
`

`

`Afif’ibfi/II’ OF DEBT
`RE: MOTION FOR DEFAULT
`FOR FAILURE TO APPEAR,
`
`STATE OF CONNECTICUT
`
`WEEKLY PAYMENTS
`éDB-Cgl'ggzgev' 5’99
`
`msmucnONs
`1. Complete this affidavit and send original with your completed Motion for Default to Appear, Judgment and Order for
`Weekly Payments (JD—CV— 49) and Notice of Judgment and Order of Payments (JD-CV-50) to the Clerk's Office.
`2. Attach a copy of the contract, lease or other document, if applicable, to the completed affidavit.
`3. It interest is being claimed, the period covered and the rate claimed must be stated.
`4. If claiming attorney's fees, 3 copy of the agreement must be attached.
`5. Send one copy of the completed Affidavit and Motion to each defendant.
`
`RETURN DATE
`
`
`llIIlIlIIIIIlIIIIIII
`.
`”
`
`'
`'
`TO. The Summer Court
`
`G.A.
`HOUSING
`COURTJUDICIAL
`SESSION D NO.
`DISTRICT El
`NAME OF CASE (Plaintiff v. Defendant)
`BANK OF AMERICA. N.A.
`v. EVELYN FLORES
`NAME(S) OF (ALL) DEFENDANT(S) AGAINST WHOM MOTION IS FILED
`EVELYN FLORES
`
`ADDRESS OF COURT (Nd, street, town, and Zip code)
`54 WEST MAIN ST. MERIDEN . CT 06451
`
`7/31/2018
`DOCKET No.
`NNI-CV-18-60141348
`
`
`
`(title) ATTORNEY
`The undersigned deposes and says that (s)he is the [:1 Plaintiff or
`Plaintiff and is familiar with the facts stated below. The Defendant(s) is/are indebted to the Plaintiff(s) as follows:
`
`of the
`
`SEE ATTACHED AFFIDAVIT OF DEBT, EXECUTED BY BANK OF AMERICA, N.A.
`ATTACHED HERETO AND MADE A PART HEREOF. THE COPIES ATTACHED ARE TRUE COPIES OF THE ORGINALS.
`THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
`
`LATOYA K. ANDERSON
`Notary Public, State of New York
`No. 01AN6292297
`Qualified In Suffolk County ;\
`Commission Expires November 4, 20
`
`Contin .
`
`tion of this affidavit of debt is attached and made a part hereof.
`
` PRINT NAME OF AFFIANT
`A ACQUELINE RIZZARDI, ESQ.
`@W‘ W DATE GNED
`AW
`>
`.
`«ii Anliéfil 'A A, A 2:131
`'
`I
`
`

`

`NEW HAVEN JUDICIAL DISTRICT
`AT MERIDEN
`
`BANK OF AMERICA, N.A.
`
`~against-
`
`EVELYN FLORES
`
`Plaintiff,
`
`Defendant.
`
`lllllmmlflflllflllllllifllflllllllllllllllllflmflfillll
`000005225172
`Our File No. 1242470
`
`Index No. un1~cv-18-6014134s
`
`COVER SHEET
`TO BE ATTACHED
`AFFIDAVIT OF MERIT
`
`

`

`The undersigned, being duly sworn, states that:
`
`AFFIDAVIT
`
`l am employed by Bank of America, MA as an officer of the bank
`I am over 19 years old and competent to make this Affidavit.
`1.
`and am duly authorized to make this Affidavit. Bank of America, NA. 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, NA. (”FlA”). FIA was merged into and under
`the charter and title of Bank of America, NA. effective October 1, 2014. HA and Bank of America, NA. are collectively referred to herein
`as ”BANA”.
`
`lam familiar with and have personal knowledge of the manner and method by which BANA maintains its normal business books
`2.
`and records, including computer records, and the methods by which such records are made. These books and records are kept by BANA
`in the course of regularly conducted business activity.
`it is BANA's regular practice to make such books and records and these books and
`records are made: (i) at or near the time the events they purport to describe occurred, by or from information transmitted by a person
`with knowledge of the acts and events and a business duty to report, or (ii) by a computer or other similar digital means, which
`contemporaneously records an event as it occurs. The contents of this Affidavit related to the Defendant's acc0unt are true and correct
`
`based upon my personal knowledge of the record keeping systems under which BANA maintains its business books and records.
`
`The books and records of BANA show that Defendant, EVELYN FLORES, obtained an account with BANA or a predecessor in
`3.
`interest for the purpose of obtaining an extension of credit (the "Account”) and thereafter used or authorized the use of the Account for
`
`the acquisition of goods, services, balance transfers or cash advances in accordance with the customer agreement (”Agreement”)
`governing use of the Account. Defendant breached the Agreement by failing to make periodic payments as required thereby.
`
`The account was opened on 04/18/2014. Defendant’s current Account number is XXXXXXXXXXXX8536. As of the execution
`f
`4.
`date of this Affidavit, Defendant is indebted to BANA on the Account for 312033.49, which includes pre—chargebff interest allowed under
`the Agreement. The Account charged—off on 06/30/2017. The last payment posted to the Account on or about 02/05/2018. The
`Account is not accruing post charge-off interest and all payments and credits have been applied.
`
`In accordance with federal regulations, monthly periodic statements reflecting the amount due on the Account have been
`5.
`provided to the Defendant. Attached hereto is a true and correct copy of (1) the last periodic statement provided to Defendant prior to
`charge-off of the Account (the ”Last Statement") and (2) the most recent pre-charge-off periodic statement that reflects a purchase
`transaction, service billed, payment (including a payment that later returned as unsuccessful whether due to insufficient funds or
`
`otherwise), or balance transfer. If only one periodic statement (the Last Statement) is attached, then the most recent pre-charge-off
`activity on the Account (as described above) appears on the Last Statement. Based on BANA’s records, there are no unresolved billing
`disputes regarding the Account.
`'
`
`I declare under the penalty of perjury that the foregoing is true and correct and if called as a witness I would competently testify,
`under oath, thereto.
`
`DATE Amber Sublett
`
`AFFIANT SIGNA RE
`
`AFFIANT NAME
`
`AUG 1 B 2018
`
`'
`
`, Officer
`
`State of: NORTH CAROLINA County of: GUlLFORD
`
`SlGNED and sworn to (or affirmed)» before me, the undersigned Notary Public in and for the jurisdiction aforesaid, by
`Amber Sublett, on this day,
`AUG 1 6 2018
`
`Notary Public
`
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`

`AAA Member Rewards Visa Signature'
`
`/
`
`EVELYN FLORES
`142 CHURCH ST
`HAMDEN CT 06514—3439
`
`' Customer Service information:
`www.aaanetaccess.com
`1 888.685.3669
`TTY: 1.800.346.3178
`Mail billing inquiries to:
`AAA Financial Services
`PO. Box 982234
`El Paso TX 79998-2234
`Mail payment to:
`AAA Financial Services
`P.O. Box 15019
`Wilmington DE 19886-5019
`
`May 22 -)une 21. 2017
`Account/i— 8536
`
`Account Summary
`
`Payment information
`
`$13,700.10
`Previous Balance
`$0.00
`Payments and Other Credits
`$0.00
`Purchases and Adjustments
`$0.00
`Fees Charged
`interest Charged
`$24339
`
`
`New Balance Total
`
`Total Credit Line
`Total Credit Available
`Cash Credit Line
`Portion of Credit Available
`
`for Cash
`Statement Closing Date
`Days in Billing Cycle
`
`$13,943.49
`
`$17,500.00
`$3,556.51
`$1,750.00
`
`$1,750.00
`06/21/2017
`31
`
`$1 3.943149
`New Balance Total
`$380.00
`Current Payment Due
` Past Due Amount $2626.00
`
`
`Total Minimum Payment Due
`Payment Due Date
`
`$3,006.00
`07/18/2017
`
`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
`$37.00 and your APRs may be increased up to the Penalty APR of 29.99%.
`Total Minimum Payment Warning: if you make only the Total Minimum
`Payment each period. you will pay more in interest and it will take you
`lonerto a off our balance For examle:
`
`vé‘ffl'vmplaygflthe
`
`if you would like information about credit counseling services, call
`866.300.5238.
`
`1
`
`AAA FINANCIAL SERVICES
`PO. BOX 15019
`WILMINGTON DE 19886-5019
`
`EVELYN FLORES
`142 CHURCH ST
`HAMDEN CT 06514~3439
`
` Account Number:— 8536
`
`New Balance Total
`Total Minimum Payment Due
`Payment Due Date
`
`‘
`
`$13,943.49
`$3,006.00
`07/18/2017
`
`Enter payment amount
`
`[:3 Check here fora change ofmail/rig address orphone numbers.
`Please prow'de all corrections on the reverse side.
`Mail this coupon along with your check payable to: AAA Financial Service:
`
`

`

`l Accountir-8536 | May 22- June 21.2017
`EVELYN FLORES
`W
`DOA-000.000v6
`
`IMPORTANT INFORMATION ABOUT THIS ACCOUNT
`
`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.
`
`TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and
`are compounded on a daily basis. To determine the lnterest 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 dividing
`an Annual Percentage Rate by 365.
`HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to
`posted balances. If your account has balances with different APRs. we 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.
`lMPORTANT 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 mount 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 - Promotional Rate End Date: This date is based on a
`future statement closing date. If you change your payment due date. this date
`could change.
`Virtual cards are the digital form of your eligible physical credit cards stored
`within a digital wallet.
`
`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
`lntroductory or Promotional Offer balance consisting of Purchases. We do this
`by: (l) 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‘s 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 lntroductory or Promotional
`Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
`(l) 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 statement's billing cycle but
`with a posting date within this statement's billing cycle: (3) adding all the daily
`balances together; and (4) dividing the sum of the daily balances by the number
`of days in this statement's billing cycle.
`To calculate the daily balance for each day in this statement's 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
`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 statement's billing cycle
`that had a Pro-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 Pro-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 Pro-Cycle balances and their related Transaction Fees. We
`exclude from this calculation all transactions posted in previous billing cycles
`
`For the complete terms and conditions of your account. consult your Credit
`Card Agreement. This account is issued and administered by FlA Card Services.
`FlA Card Services is a registered trademark of HA Card Services and/or its
`affiliates.
`
`PAYMENTS - We credit mailed payments as of the date received. if the payment is:
`(I) received by 5 pm. local time at the address shown on the remittance portion of your
`monthly statement; (2) paid with a check drawn in US. dollars on a US. financial
`institution or a US. dollar money order; and (3) sent in the return envelope with only the
`remittance portion of your statement accompanying it Payments received by mall after 5
`pm. 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 pm.
`Central. Credit for any other payments may be delayed up to five days. Cash payments
`made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid
`identification (ID).
`
`No payment shall operate as an accord and satisfaction without the prior written approval
`of one of our Senior Officers.
`
`We process most payment checks electronically by using the information found on your
`check. Each check authorizes us to create a one- time electronic funds transfer (or process
`it as a check or paper draft). Funds may be withdrawn from your account as soon as the
`same day we receive your payment Checks are not returned to you. 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.
`
`If your 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 1M
`
`Address 2W‘
`
`City
`
`_ _. -—-—————-———...____._.
`
`
`Zip
`
`State
`Area Code &
`
`Home Phone _—-——-————————~—.——_.___...___..
`Area Code &
`Work PhoneW
`
`

`

`
`
` EVELYN FLORES | Account a;_ 8536 | May 22 —)une 21. 2017
`
`Transactions
`
`Transaction Posting
`Date
`Date
`
`06/21
`06/21
`06/21
`06/21
`
`06/21
`06/21
`06/21
`06/21
`
`Description
`Interest Charged
`INTEREST CHARGED ON PURCHASES
`INTEREST CHARGED 0N BALANCE TRANSFERS
`INTEREST CHARGED ON DIR DEP&CHK CASHADV
`INTEREST CHARGED ON BANK CASH ADVANCES
`TOTAL INTEREST CHARGED FOR THIS PERIOD
`
`Reference
`Number
`
`Account
`Number
`
`Amount
`
`Total
`
`*
`
`243.39
`0.00
`0.00
`0.00
`D
`
`$243.39
`
`Total fees charged in 2017
`
` 2017 Totals Year-to-Date
`
`
`
`Total Interest charged In 2017
`
`$1,354.75
`
`Interest Charge Calculation
`Your Annual Percentage Rate (APR) is the annual Interest rate on your account.
`
`Type of
`Balance
`
`Annual
`Percentage
`Rate
`
`Promotional
`Transaction
`Type
`
`Promotional
`Offer ID
`
`Promotional
`Rate End
`Date
`
`Purchases
`Balance Transfers
`Direct Deposit and Check Cash
`Advances
`
`20.74%V
`20.74%V
`23.74%V
`
`'
`
`Balance
`Subject to
`Interest
`Rate
`
`Interest
`Charges by
`Transaction
`/ Type
`
`$
`S
`S
`
`13.817.55
`0.00
`0.00
`
`5
`S
`$
`
`243.39
`0.00
`0.00
`
`ank Cash Advances
`-
`0 00
`S
`0.00
`S
`'
`25.74%V
`B
`-—-—-——-—-———-——-——-———_———______________________
`
`APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary)
`
`Important Messages
`
`You‘re a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due
`today. If you‘ve already mailed It, thank you.
`
`When this statement was created. the account's Credit Line was in a restricted status and not available for use.
`
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`
`
`
`
`Page 3 of 4
`
`

`

`EVELYN FLORES
`
`1 Accountfi—8536 | May 22-June 21,2017
`._.W.
`
`

`

`AAA Member Rewards Visa Signature
`I
`
`EVELYN FLORES ‘
`
`Account Number:— 8536
`December 22 - January 21. 2017
` Account Information:
`www.metaccesscom
`Payment information
`
`Account Summary
`
`Mail billing inquiries to:
`AAA Financial Services
`PO. Box 982235
`El Paso TX 79998-2235
`
`Mail payments to:
`AAA Financial Services
`~P.O. Box 15019
`Wilmington DE 193865019
`Customer Service:
`118886853669
`
`(1.800.346.3178 T'I'Y)
`
`New Balance Total ................................................................... $12,660.28
`Current Payment Due .................................................................... $380.00
`Past Due Amount .......................................................................... $687.00
`
`..... $1,067.00
`Total Minimum Payment Due
`
`Payment Due Date ........................................................................ 2/18/17
`
`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 $37.00 and
`your APRs may be increased up to the Penalty APR of 29.9996.
`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:
`
`1866-3005238.
`
`month you
`new
`
`0nly the Total
`Minimum Payment
`
`If you would like information about credit counseling services. call
`
`Total Credit Line .......................... $17,500.00
`Total Credit Available ..............
`...$4.839.72
`Cash Credit Line ........................... $1,750.00
`Portion of Credit Available
`for Cash ....................................... $1.750.00
`Statement Closing Date ................... 1/21/ 17 ‘
`Days in Billing Cycle ..................................31
`
`Previous Balance ...................... $12,792.74
`Payments and Other Credits ..............—-389.00
`Purchases and Adjustments ....................0.00
`Fees Charged .................................................37.00
`Interest Charged ..........................................219.54
`
`New Balance Total ....................... $12,660.28
`
`
`
`Account
`Reference
`Posting
`Transaction
`Date
`Date
`Description
`Number
`Number
`Amount
`Total
`
`.
`Payments and Other Credits
`
`12/30
`
`12/30
`
`PAY BY PHONE PAYMENT
`
`8281
`
`8536
`
`~389.00
`
`~5389.00
`
`Fees
`LATE FEE FOR PAYMENT DUE
`01/18
`01/18
`8536
`37.00
`TOTAL FEES FOR THIS PERIOD
`
`$37.00
`
`AAA FINANCIAL SERVICES
`PD. BOX 15019
`WILM'NGTON DE 1
`
`”5019
`
`EVELYN FLORES
`142 CHURCH ST .
`HAMDEN cr 06514-3439
`
`Account Number;_ 3535
`
`New Balance Total.........................................................$12,660.28
`Total Minimum Payment Due .......................................
`....1.067.00
`
`'
`.................. 02/18/17
`Payment Due Date ............
`
`Enter payment amount
`
`Check here for a charge of mailing address orphans numbers.
`Please provide all corrections on the reverse side.
`Mail this coupon along with your check payable to: AAA Financial Service‘s
`
`

`

`I IMPORTANT INFORMATION ABOUT THIS ACCOUNT
`CUSTOMER TIPS FOR DISPUTE!) 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 online. if you are not enrolled in Onllne 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.
`
`060203 Rev. I 1/16
`
`QNUNE
`Onllne Banking is available 24 hours a day. 7 days a week and allows you to
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