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  • CAPITAL ONE vs. JENNIFER A VANVALKENBURGHCONSUMER DEBT document preview
  • CAPITAL ONE vs. JENNIFER A VANVALKENBURGHCONSUMER DEBT document preview
  • CAPITAL ONE vs. JENNIFER A VANVALKENBURGHCONSUMER DEBT document preview
  • CAPITAL ONE vs. JENNIFER A VANVALKENBURGHCONSUMER DEBT document preview
  • CAPITAL ONE vs. JENNIFER A VANVALKENBURGHCONSUMER DEBT document preview
  • CAPITAL ONE vs. JENNIFER A VANVALKENBURGHCONSUMER DEBT document preview
  • CAPITAL ONE vs. JENNIFER A VANVALKENBURGHCONSUMER DEBT document preview
  • CAPITAL ONE vs. JENNIFER A VANVALKENBURGHCONSUMER DEBT document preview
						
                                

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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 ElectrOflfeailpWd 08/31/2023 15:00 / SERVICE / CV 23 978829 / Confirmation Nbr. 2952312 / CLAHJ 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;