Preview
NAILAH K. BYRD
CUYAHOGA COUNTY CLERK OF COURTS
1200 Ontario Street
Cleveland, Ohio 44113
Court of Common Pleas
REQUEST FOR SERVICE
August 31,2023 15:00
By: DAVID A. HEAD 0075201
Confirmation Nbr. 2952312
CAPITAL ONE CV 23 978829
vs.
Judge: NANCY MARGARET RUSSO
JENNIFER A VANVALKENBURGH
Pages Filed: 46
Electronically Filed 08/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ
CUYAHOGA COUNTY COURT OF COMMON PLEAS
CUYAHOGA COUNTY, OHIO
CAPITAL ONE, N.A.
PLAINTIFF
vs. CASE NO.: CV23978829
JENNIFER A VANVALKENBURGH INSTRUCTIONS FOR SERVICE
DEFENDANT
To the Clerk:
Please reissue summons personally to the following Defendant in the above captioned
matter at the following address:
JENNIFER A
VANVALKENBURGH
3858 W 165TH ST
CLEVELAND, OH 44111
WELTMAN, WEINBERG & REIS CO., L.P.A.
/s/ DAVID A, HEAD_____ ___________
DAVID A. HEAD, 0075201
ATTORNEY FOR PLAINTIFF
965 KEYNOTE CIRCLE
BROOKLYN HEIGHTS, OH 44131
PHONE: 216-739-5100
FAX: 216-739-5072
EMAIL: BROATTY@WELTMAN.COM
WWR# 041052323
Electronically Filed 08/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ
B94 Rev 08/2020
CiviLDockct -2022CVF01328
Page 1 of2
LAKEWOOD MUNICIPAL COLRT > ' ■ ; ■" -
Mgp: NANCY MARGARET RUSSO
Civil Docket
CV 23 978829
2022CVF0132&
CAPITAL ONE, N.A. VS. JENNIFER A. VA1NVALKENBURGH
— 2 - r
CV23978829
v-»W7in>9<.i 14571+486
i i
145714486
Caption : CAPITAL ONE, N.A. VS. JENNIFER A. VANVALK’eNBURGH, Claim : 2606.88
Case Filed On : 12/16/2022 Case# : 2022CVF01328
Plaintiffs): - ” - .
CAPITALONjirN.A-.-- - “-’--k, ’
_ 15000 CAPITAL ONE DRIVE RICHMOND, VA 23238 ' - r- “ gp- §
Attorfiey(s): - - _s__ - - - “- - “
01 /30/2023_Civil Receipt No: 20776025 Total Amount1 $10.00 -
Electronically Filed 08/31/2023 15 00 / SERVICE / CV 23 978829 I Confirmation Nbr 2952312 I CLAHJ
me://7C:/Users/sgm5335/AppData/Local/Temp/Dockct.html 4/18/2023
r
Civil Docket - 2022CVF01328 Page 2 of 2
Payer: Attny: DAVID A HEAD
' MAIL CERTIFIED FEE: $10.00
Civil Receipt receipt printed
'AMENDED CIVIL SUMMONS’ processed
AMENDED SUMMONS AND COMPLAINT REISSUED ON DEFT. BY CERT MAIL
#0388 ERRR
02/01/2023 CERT MAIL #0388 RETURNED UNMARKED
•PASS SERV LETTER’ processed AND SENT TO PA
PFS: AUGUST 1,2023
03/22/2023 MOTION TO TRANSFER FILED BY PLTF ATTY
03/23/2023 Civil Receipt No: 20777083 Total Amount: $25,00
Payer: Attny: DAVID A HEAD
CV CITY COURT COSTS: $25.00
Civil Receipt receipt printed
This case is before the court on the plaintiffs motion for transfer of venue to the Cuyahoga
County Court of Common Please. Upon review of the grounds set out by the plaintiff and
compliance with Civil Rule 3 (C), the motion for change of venue is granted.
The Clerk of Court shall transfer the record in this case to the Clerk of the Cuyahoga
County Court of Common Pleas for further proceedings and disposition.
Judge Tess Neff
Journal Vol. 23 Page: 0323
pa/d notified
04/18/2023 'CV TRANSFER’processed
CASE FILED SENT TO CUYAHOGA COUNTY COURT OF COMMON PLEAS BY
CERT MAIL #6744 ERRR
Electronically Filed 08/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ
fiIe:///C:/Users/sgm5335/AppData/Local/Temp/Docket.html 4/18/2023
F
LAKEWOOD MUNICIPAL COURT
Cuyahoga County, Ohio
12650 Detroit Ave
Lakewood, OH 44107
Tess Neff Gregory Tischler
Judge . Clerk of Court
I
CAPITAL ONE, N.A. Judge: TESS NEFF
PLAINTIFF
VS. CASE NO. 2022CVF01328
JENNIFER A VANVALKENBURGH
DEFENDANT CUYAHOGA COUNTY COURT OF
COMMON PLEAS CASE
I
1. 12/16/2022 si D. Head, Plaintiff Attorney
2. 12/16/2022 Summons with U.S.
Complaint with Postal
Exhibits A, BService pages) Mail Receipt attached
& C (14Certified si S. Forester, Deputy Clerk
3. 12/20/2022 Returned Certified Mall
4. 12/30/2022 Passed For Service Letter s/ C. McCallum, Clerk of Court
5. 01/24/2023 Instructions for Service with U.S, Postal Service Certified Mall si D. Head, Plaintiff Attorney
Receipt attached
6. 01/30/2023 Amended Summons s/ M. McAteer, Deputy Clerk
7. 02/01/2023 Returned Certified Mail
8. 01/01/2023 Passed For Service Letter s/ G. Tischler, Clerk of Court
9. 03/22/2023 Motion to Transfer (3 pages) si D. Head, Plaintiff Attorney
10. 03/23/2023 Judgment Entry si Judge Tess Neff
11. Docket
Court Phone: (216) 529-6700 Fax: (216) 529-7687
iElectrofircaUy*FTlSff’OB77T739???5;907!3SSRVnig*TnV 23' 970029*f*non' / niAihi
i
LAKEWOOD MUNICIPAL COURT
t
I Cuyahoga County, Ohio
12650 Detroit Ave
Lakewood, OH 44107
Gregory Tischler
Clerk of Court
CAPITAL ONE, N.A. Judge: TESS NEFF
PLAINTIFF
VS. CASE NO. 2022CVF01328
JENNIFER A VANVALKENBURGH
DEFENDANT CUYAHOGA COUNTY COURT OF
COMMON PLEAS CASE NO.
CERTIFIED JOURNAL ENTRIES OF TRIAL COURT RECORD (Page 2 of 2)
DATE FILED AND JOURNALIZED:
April 18, 2023
PROCESS OF SERVICE OF ORIGINAL COPIES OF TRIAL COURT RECORD TO CUYAHOGA
COUNTY COURT OF COMMON PLEAS
Nailah K. Byrd, Clerk of Court
By: _ ____________________
Deputy Clerk
Date;
Court Phone: (216) 529-6700 Fax: (216) 529-7687
1
I
LAKEWOOD MUNICIPAL COURT
Cuyahoga County, Ohio
A
12650 Detroit Ave
Lakewood, OH 44107
i
Tess Neff Gregory Tischler
Judge Clerk of Court
CAPITAL ONE, N.A. Judge: Tess Neff
PLAINTIFF
VS. CASE NO. 2022CVF01328
JENNIFER A VANVALKENBURGH
DEFENDANT JUDGMENT ENTRY
This case is before the court on the plaintiff's motion for transfer of venue to the Cuyahoga
County Court of Common Please, Upon review of the grounds set out by the plaintiff and compliance
with Civil Rule 3 (C), the motion for change of venue is granted.
The Clerk of Court shall transfer the record in this case to the Clerk of the Cuyahoga County
Court of Common Pleas for further proceedings and disposition.
JOURNAL VOL. 23 PAGE: 0323 /
SGM5335 JUDGE /
RECEIVED FOR FILING AND JOURNALIZED: March 23, 2023 1 '
Court Phone: (216) 529-6700 Fax: (216) 529-7687
Ele
LAKEWOOD MUNICIPAL COURT
r ;■I riu
MAR 2
CUYAHOGA COUNTY, OHIO
CASE NO ■ 2022CVF01^'EWOODMUN,CIPALCOURT
CAPITAL ONE, N.A. CASE NO.. 2022CVF01328 CLERK COURT
15000 CAPITAL ONE DRIVE
RICHMOND, VA 23238
MOTION TO TRANSFER
PLAINTIFF
vs.
JENNIFER A VANVALKENBURGH
3858 W 165THST
CLEVELAND, OH 441II
DEFENDANT
Now comes the Plaintiff, by and through its counsel, Weltman, Weinberg & Reis Co., L.P.A.,
and respectfully moves this Court for an Order transferring this action to the CUYAHOGA COUNTY
COURT OF COMMON PLEAS pursuant to Rule 3(C) of the Ohio Rules of Civil Procedure for the
reason that a new address for Defendant has been located within the venue and jurisdiction of
CUYAHOGA COUNTY COURT OF COMMON PLEAS. Therefore venue and jurisdiction are proper
in said court.
WELTMAN, WEINBERG & REIS CO., L.P.A.
DAVID A. HEAD, 0075201
ATTORNEY FOR PLAINTIFF
965 KEYNOTE CIRCLE
BROOKLYN HEIGHTS, OH 44131
PHONE; 216-739-5100
FAX; 216-739-5072
EMAIL: BROATTY@WELTMAN.COM
WWR# 041052323
C39 Rev 08/2020
Electronically Filed 08/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ
CERTIFICATE OF SERVICE
The undersigned does hereby certify that a true copy of the foregoing Motion to
Transfer was mailed by U.S. Regular Mail, to the following on the \~l day of
HorcVx , Loi3 .
JENNIFER A VANVALKENBURGH
3858 W 165THST
CLEVELAND, OH 44111
WELTMAN, WEINBERG & REIS CO., L.P.A.
C^zA
DAVID A. HEAD, 0075201
ATTORNEY FOR PLAINTIFF
965 KEYNOTE CIRCLE
BROOKLYN HEIGHTS, OH 44131
PHONE: 216-739-5100
FAX: 216-739-5072
EMAIL: BROATTY@WELTMAN.COM
WWR# 041052323
Electronicafy^'il®d®8/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ
CAPITAL ONE, NA.
LAKEWOOD MUNICIPAL COURT
PLAINTIFF OHIO NO.: 2022CVF01328
CUYAHOGA COUNTY,CASE
vs. JOURNAL ENTRY
JENNIFER A VANVALKENBURGH
DEFENDANT
This matter came on to be heard on the day of , 20 ,
upon the Plaintiffs Motion to Transfer Venue and Jurisdiction of this action to the CUYAHOGA
COUNTY COURT OF COMMON PLEAS. For good cause shown, Plaintiffs Motion is hereby
granted.
It is hereby ordered the within action be transferred to the CUYAHOGA COUNTY
COURT OF COMMON PLEAS.
IT IS SO ORDERED.
JUDGE
WELTMAN, WEINBERG & REIS CO., L.P.A.
---- - . . .______
DAVIDA. HEAD, 0075201
ATTORNEY FOR PLAINTIFF
965 KEYNOTE CIRCLE
BROOKLYN HEIGHTS, OH 44131
PHONE: 216-739-5100
FAX: 216-739-5072
EMAIL: BROATTY@WELTMAN.COM
WWR# 041052323 ,
ElectronicSay ^^8/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ
4
LAKEWOOD MUNICIPAL COURT
Cuyahoga County, Ohio
12650 Detroit Ave
Lakewood, OH 44107
Tess Neff Gregory Tischler
Judge Clerk of Court
CAPITAL ONE, N.A. DATE: February 1, 2023
15000 CAPITAL ONE DRIVE
RICHMOND, VA 23238
RE: 2022CVF01328
Attorney:
DAVID A. HEAD CAPITAL ONE, N.A. VS. JENNIFER A.
WELTMAN WEINBERG & REIS CO LPA VANVALKENBURGH
965 KEYNOTE CIRCLE
BROOKLYN HEIGHTS, OH 44131
The Complaint and Summons in this case for defendant JENNIFER A VANVALKENBURGH have
been returned to the Court marked unmarked. Enclosed Is a form for additional instructions for
service. Please fill out this form and return it to the Court as soon as possible.
If the Certified Mail was returned Unclaimed or Refused, you may serve the Defendant by Ordinary
Mail at the same address. A fee of $2.00 for each defendant is required, If the defendant moved,
submit the new address and $10.00 for each defendant to be served by Certified mail. If you want the
Bailiff to serve the defendant, a fee of $25.00 is required. Only three (3) attempts will be made by the
Bailiff.
All fees must be submitted with the enclosed instruction form in order for the Clerk to proceed.
Failure to serve the Defendant with these documents within one year of the date that the Complaint
was filed will result in the dismissal of this Complaint.
I
Very Truly Yours,
Court Phone: (216) 529-6700 Fax: (216) 629-7687
El< ctronicallM-Eiled-0a/31Z2023-15:.00. /..SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ
LAKEWOOD MUNICIPAL COURT
Cuyahoga County, Ohio
12650 Detroit Ave
Lakewood, OH 44107
Tess Neff Gregory Tischler
Judge Clerk of Court
capital ONE, N.A. AMENDED SUMMONS
15000 CAPITAL ONE DRIVE
CASE NO.2022CVF01328
RICHMOND, VA 23238
PLAINTIFF
VS.
JENNIFER A. VANVALKENBURGH 1248 BEACH AVE APT 2 LAKEWOOD ,OH 44107-2244
DEFENDANT (S)
TO THE FOLLOWING NAMED DEFENDANT(S):
See above
You have been named defendant(s) in a complaint filed in Lakewood Municipal Court. A copy of the
complaint is attached hereto. The name and address of the plaintiff's attorney is:
DAVID A. HEAD WELTMAN WEINBERG & REIS CO LPA
(216) 739-5100 965 KEYNOTE CIRCLE
BROOKLYN HEIGHTS, OH 44131
You are hereby summoned and required to serve upon the plaintiff’s attorney, or upon the plaintiff, if
he has no attorney of record, a copy of an answer to the complaint within twenty-eight (28) days
after service of this summons on you, exclusive of the day of service, Your answer must be filed with
the Court within three (3) days after the service of a copy of the answer on the plaintiff's attorney.
If you fail to appear and defend, judgment by default will be rendered against you for the relief
demanded in the complaint.
Gregory Tischler, Clerk of Court
Lakewood Municipal Court
Date: JANUARY 30, 2023
Court Phone: (216) 529-6700 ~
Fax:(216)529-7687
El ictronically Filed 08/31/2023 15:00 I SERVICE I CV 23 978829 I Confirmationi Nbr.
Nbr. 2952312 I CLAHJ
LAKEWOOD MUNICIPAL COURT
CUYAHOGA COUNTY, OHIO
FILED
JAN 1 h 2023
CAPITAL ONE, N.A.
LAKEWOOD MUNICIPAL COURT
PLAINTIFF CLERK OF COURT
CASE NO.: 2022CVF01328
vs.
INSTRUCTIONS FOR SERVICE
JENNIFER A VANVALKENBURGH
DEFENDANT
To the Clerk:
Please reissue summons by U.S. Postal Service Certified Mail to the following Defendant
in the above captioned matter:
JENNIFER A VANVALKENBURGH
1248 BEACH AVE APT 2
LAKEWOOD, OH 44107-2244
WELTMAN, WEINBERG & REIS CO., L.P.A,
DAVID A. HEAD, 0075201
ATTORNEY FOR PLAINTIFF
965 KEYNOTE CIRCLE
Certilu’d 'MIlIRc’’*' .... ............
$4.16
BROOKLYN HEIGHTS, OH 44131
S ... . .. ..
Fees PHONE: 216-739-5100
'jRddTiRetBipliherdcopYl * . $2,10
Ulri«;wn5
FAX: 216-739-5072
I.!UiitfK.dbiadFc$|ric»ijflDcl :i>(P7 sc , 1 ..... EMAIL: BROATTY@WELTMAN.COM
LiAdulibg-wrcRequotHi $ 2 I'('I
£ WWR# 041052323
Postage
, S___ ______________
’
I \13>O
fulfil Postage end Feos ”
2022 CVF 1328 M 1 -
JENNIFER A VANVALKENBURGH
1248 BEACH AVE APT 2
LAKEWOOD, OH 44107-2244
KE MS®
ElectronicallysFited 08/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 I CLAHJ
LAKEWOOD MUNICIPAL COURT
Cuyahoga County, Ohio
12650 Detroit Ave
Lakewood, OH 44107
Tess Neff Gregory Tischler
Judge Clerk of Court
CAPITAL ONE, NA. DATE: December 30, 2022
15000 CAPITAL ONE DRIVE
RICHMOND, VA 23238
RE: 2022CVF01328
Attorney;
DAVID A. HEAD CAPITAL ONE, N.A. VS. JENNIFER A.
WELTMAN WEINBERG & REIS CO LPA VANVALKENBURGH
965 KEYNOTE CIRCLE
BROOKLYN HEIGHTS, OH 44131
The Complaint and Summons in this case for defendant JENNIFER A VANVALKENBURGH have
been returned to the Court unmarked. Enclosed is a form for additional instructions for service,
Please fill out this form and return it to the Court as soon as possible.
If the Certified Mail was returned Unclaimed or Refused, you may serve the Defendant by Ordinary
Mail at the same address. A fee of $2.00 for each defendant is required. If the defendant moved,
submit the new address and $10.00 for each defendant to be served by Certified mail. If you want the
Bailiff to serve the defendant, a fee of $25.00 is required. Only three (3) attempts will be made by the
Bailiff.
All fees must be submitted with the enclosed instruction form in order for the Clerk to proceed.
Failure to serve the Defendant with these documents within one year of the date that the Complaint
was filed will result in the dismissal of this Complaint.
Very Truly Yours,
Clerk of Court
Court Phone: (216) 529-6700 Fax: (216) 529-7687
Electronically Filed08/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 I CLAHJ
r
LAKEWOOD MUNICIPAL COURT
Cuyahoga County, Ohio
12650 Detroit Ave
Lakewood, OH 44107
i
Tess Neff Gregory Tischler
Judge Clerk of Court
CAPITAL ONE, N.A. SUMMONS
15000 CAPITAL ONE DRIVE
CASE NO.2022CVF01328
RICHMOND, VA 23238
PLAINTIFF
VS.
JENNIFER A. VANVALKENBURGH 1248 BEACH AVE APT 2 LAKEWOOD ,OH 44107-2244
DEFENDANT (S)
TO THE FOLLOWING NAMED DEFENDANT(S):
See above
You have been named defendant(s) in a complaint filed in Lakewood Municipal Court. A copy of the
complaint is attached hereto. The name and address of the plaintiff’s attorney is:
DAVID A. HEAD WELTMAN WEINBERG & REIS CO LPA
(216) 739-5100 965 KEYNOTE CIRCLE
BROOKLYN HEIGHTS, OH 44131
You are hereby summoned and required to serve upon the plaintiff’s attorney, or upon the plaintiff, if
he has no attorney of record, a copy of an answer to the complaint within twenty-eight (28) days
after service of this summons on you, exclusive of the day of service. Your answer must be filed with
the Court within three (3) days after the service of a copy of the answer on the plaintiff's attorney.
If you fail to appear and defend, judgment by default will be rendered against you for the relief
demanded in the complaint.
Gregory Tischler, Clerk of Court
Lakewood Municipal Court
Date: DECEMBER 16, 2022
A A
Court Phone: (216) 529-6700 Fax: (216) 529-7687
El-CtLoni-lly F;i-d 00,01,2020 15-00 / CEDVICE / CV 23 Q7»»2Q / Confirmation Nbr 2Q52312 / CIAH.I
LAKEWOOD MUNICIPAL COURT
CUYAHOGA COUNTY, OHIO
CAPITAL ONE, N.A,
15000 CAPITAL ONE DRIVE
RICHMOND, VA 23238 ■
PLAINTIFF CASE NO.: C\i f
vs. COMPLAINT
JENNIFER A VANVALKENBURGH
1248 BEACH AVE APT 2
LAKEWOOD, OH 44107-2244
DEFENDANT
1. The Defendant applied for a Credit Card account with CAPITAL ONE BANK (USA), N.A,.
2. By use of the account, the Defendant became bound by the terms in the Credit Card Agreement.
Copies of the Statement and Agreement are attached hereto as Exhibits A and B.
3. Plaintiff is the holder of the Credit Card account through merger. A copy of the merger is
attached hereto as Exhibit C.
4. The Defendant defaulted under the terms of the Agreement. The Plaintiff has exercised its
rights pursuant to the terms of said Agreement to accelerate the time for payment of the entire balance due
and owing by the Defendant to the Plaintiff.
5. The amount due and owing by the Defendant is $2,606.88.
6. Although demand has been made upon the Defendant to liquidate the balance due and owing,
the Defendant failed to do so.
7. Plaintiff does not seek an award of attorney fees, contractual or statutory interest after the date
of charge off including any post judgment interest, and expressly disclaims any right it may have to the
same,
ElectFOfliCaiiyFIfed 08/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ
CD
Wherefore, the Plaintiff prays for judgment against the Defendant in the amount of $2,606.88 and
court costs.
WELTMAN, WEIN^RG & REIS CO., L.P.A.
i
____ f ________
DAVIDA. HEAD, 0075201
ATTORNEY FOR PLAINTIFF
965 KEYNOTE CIRCLE
BROOKLYN HEIGHTS, OH 44131
PHONE: 216-739-5100
FAX: 216-739-5072
EMAIL: BROATTY@WELTMAN.COM
WWR# 041052323
i
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Page 1 of 2
Platinum Card I Platinum Mastercard ending In 1590
Apr 07, 2022 - May 07, 2022 I 31 days in Billing Cycle
? Payment Information Account Summaiy
ft.
Payment Due Date For online and phone payments, the Previous Balance $2,555.95
deadline Is 8pm ET,
PAST DUE Payments $0.00
New Balance Minimum Payment Due Other Credits $0.00
$2,606.88 $2,606.88 Transactions + $0.00
IMPORTANT: Your account has charged off and Is now serviced by the Cash Advances + $0.00
Recoveries department at 1-800-258-9319. Your full balance Is due. Any
payment you make will reduce your balance and help pay off your debt Fees Charged 4* $0.00
faster. The amount you owe may differ if you've entered Into a separate
payment agreement. Interest Charged + $50.93
New Balance = $2,606.88
Available Credit (as of May 07, 2022) N/A
i Account Notifications
I @ Welcome to your account notifications. Check back here each month for Important updates about your account.
Pay or manage your account at capitalotie.com Customer Service: 1-800-227-4825 See reverse for Important Information
Capital£)ne
JENNIFER A VANVALKENBURGH
1248 BEACH AVE APT 2
LAKEWOOD, OH 44107-2244
ilnllilil,lllhll"il. ......... .
Payment Due Date: Past Due Account ending in 1590
New Balance Minimum Payment Due Amount Enclosed Capital One
$2,606.88 $2,606.88 $ P.O. Box 6492 EXHIBIT A
Carol Stream IL 60197-6492
Please send us this portion of your statement a>d only one chock (or one money order) payable to Capital One
to ensure your payment is processed promptly. Allow at least seven business days for delivery.
Electronically Filed 08/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ
002
How can I Avoid Paving Interest Charges? If you pay your Now Balance In full by the due date How do you Process Payments? When you make a payment, you authorize us to Initiate an
each month, we will not charge Interest on new transactions that post to the purchase balance. If ACH or electronic payment (hat will be debited from your bank account or other related
you have been paying In full without Interest Charges, but fail to pay yournext New Balance In full, account. When you provide a check or check InformaUon to make a payment, you authorize us
we will charge Interest on the unpaid balance. Interest Charges on Cash Advances and Special to use Information from the check to make a one-lime ACH or other electronic transfer from
Transfers start on the transaction date. Promotional odors may allow you to pay less than the total your bank account. We may also process II as a check transaction. Funds may be withdrawn
'New Balance and avoid paying Interest on new transactions that post to your purchase balance. from your bank account as soon as the same day we process your payment.
See the front of your statement for addlllonal Information.
How do you Apply My Payment? We generally apply payments up to your Minimum
How Is lhe Interest Charge Determined? Interest Charges accrue from the date of the Payment first to the balance with ths lowest APR (Including 0% APR), and then to balances
transaction, date the transaction Is processed or the first day of lhe Billing Cycle. Interest accrues with higher APRs. We apply any part of your payment exceeding your Minimum Payment to
dally on every unpaid amount until It Is paid in full. Interest accrued during a Silling Cycle posts Io the balance with lhe highest APR, and then to balances with lower APRs.
your account at the end of lhe Billing cycle and appears on your next statement. You may owe
Interest Charges even II you pay the entire New Belance one month, but did net do so the prior Billing Rights Summary (Does not Apply Io Small Business Accounts)
month. Once you start accruing Interest Charges, you generally must pay your New Balance In full What To Do If You Think You Find A Mistake On Your Statement: If you think there Is an
two consecutive Billing Cycles before Interest Charges slop being posted to your Statement. error on your statement, write to us at:
Interest Charges are added to the corresponding segment of your account P.O. Box 30285, Sail Lake City, LIT 84130-6286.
Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of In your letter, give us the following information:
$0.00 for each Billing Cycle If your account is subject to an Interest Charge. • Account Information: Your name and account number.
• Dollar amount: The dollar amount of lhe suspected error.
How do you Calculate lhe Interest Charge? We use a method called Average Dally Balance - Description of Problem: II you think there Is an error on your bill, describe what you believe Is
(Including new transactions). wrong and why you believe it Is a mistake. You must contact us within 60 days after the error
appeared on your statement. You must notify Us of any potential errors In writing. You may call
1. First, for each segment we take the beginning balance each day and add In new transactions and us or notify us electronically, but If you do we are not required to Investigate any potential
lhe periodic interest Charge on the previous day's balance. Then we subtract any payments and errors and you may have to pay lhe amount In question, We will notify you In writing within 30
credits for that segment as of that day. The result Is the dally balance for each segment. However, If days of our receipt of your letter. While we Investigate whether or not there has been an error,
your previous statement balance was zero or a credit amount, new transactions which post to your the following are true:
pure!: ase segment are not added to the dally balance. - 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
2. Next, for each segment, we add the dally balances together and divide the sum by lhe numberof Interest on that amount. But, If we determine that we made a mistake, you wll not have to pay
days In the Billing Cycle. The result Is the Average Daily Balance ter each segment. lhe amount In question or any Interest or other fees related Io that amount.
- While you do not have to pay the amount In question until we send you a notice about the
3. At the end of each Billing Cycle, we multiply your Average Daily Balance ter each segment by outcome of our investigation, you are responsible for the remainder of your balance.
the dally periodic rate (APR dMded by 365) for that segment, and then we multiply the result by lhe ■ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of
number of days In lhe Billing Cycle. We add lhe Interest Charges for all segments together. The your letter, wo will send you a wriuen notice explaining cither that we corrected lhe error (to
resell is your tolal Interest Charge for the Billing Cycle, appear on your next statement) or the reasons we believe lhe bill Is correct.
The Average Daily Balance Is referred to as the Balance Subject Io Interest Rate In lhe Interest Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the
Charge Calculation section of this Statement goads or services th al you ha vs purchased with your credit card, and you have tried In good
faith to consol the problem wilh lhe merchant, you may have the right not Io pay ths remaining
NOTE: Due to rounding or a minimum Interest Charge, Uris calculation may vary slightly from lhe amount due on the purchase, To use this right, the following must be true:
Interest Charge actually assessed. f) You must have used your credit card for the purchase. Purchases made with cash
advances from an ATM or with a check that accesses your credit card account do not qualify;
and
2) You musl not yet have fully paid for the purchase.
How can i Avoid Membership Fees? If a Renewal Notice Is printed on this statement, you may
If all of lhe aiteria above are met and you arc still dissatisfied with the purchase, contact us In
avoid paying an annual membership Fee by contacting Customer Service no later than 45 days writing at: P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same
after lhe last day In the Billing Cycle covered by this statement to request that we close your roles apply tc lhe disputed amount as discussed above. After we finish our Invesilgatlon, we
account. To avoid paying a monthly membership Fee, close your account and we will slop will tell you our dedsion. At that point, Il we think you owe an amount and you do not pay we
assessing your monthly membership Fee.
may report you as delinquent
How can I Close My Account? You can contact Customer Service anytime to request that we © 2020 Capital One. Capital One Is a federally registered service mark
close your account.
BTC-08 10/01/2020
How do I Make Payments? You may make your payment In several ways:
Pay online at capitalone.com
1. Online Banking by logging into your account;