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Home My WebLink About07-2884IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No: D7- ~~~y ~'~ut(,,~ ~~ vs. COMPLAINT IN CIVIL ACTION LISA R MELLOTT Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 05846284 C N Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No LISA R MELLOTT Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 140 EAST SHORE DR GLEN ALLEN VA 23059 . 2. Defendant is adult individual(s) residing at the address listed below: LISA R MELLOTT 7 IAN CT SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number 4862362483870062 . 4. Defendant made use of said credit card and has a current balance due of $3680.35 as of April 09, 2007 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 27.7400 per annum on the unpaid balance from April 09, 2007 A copy of Plaintiff's statement is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant LISA R MELLOTT individually in the amount of $3680.35 with continuing interest thereon at the rate of 27.7408 per annum from April 09, 2007 plus costs. James Warmbrodt,42524 WELT EINBERG & REIS CO., L.P.A. 436 S ven Avenue, Suite 2718 Pitts urgh PA 15219 (412) 434- 955 FAX: 412-3 8-7130 058 6284 N Pit SJS This law firm is a debt collector atte~ting/to collect this debt for our client and any information obtaine wi be used for that purpose. peoplepcrM online ~ Abetter way to Internet. Surt up to 5x fastert~t ~ FREE Acce/eraEor far the cast 12 trantttst -a seo vaWel 1-888-587-9669 Mention Offer Code: DOLLAR Usit www.peoplepc.com/go/dollar UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: ® VrUS Protection powered M SymantecTM ® Pop-Up BlockerT"' `~7 Spam Controls ® Smarter Smart Dialer Technology 41~- ~ More Email Addresses 4sa~ ~` Internet Call Waiting Capita/iQ~n Accottnt S Previous Balance 12,612.00 Payments, Credits and Adjustments 1.00 Transactions (35.00 Finance Chazges :60.21 New Balance 52,707.21 Minimum Amount Due (2,707.21 Payment Due Date January 21, 2006 Total Credit Line (2,000 Total Available Credit 1.00 Credit Line for Cash 51,000 Available Credit for Cash 5.00 At your service To call Customer Relations or to report, lost or rtolm «rd: 1-800-903-3637 Send prymems to: Send ingiuties to: Atm: Remittance Procrrsing Capital One Bank Capital One P.O. Box 790216 P.O. Box 30285 St Louis, MO 63179-0216 SLC, UT 84130-0285 Imoorrarlt Aceount Information lt's Capital One Bowl week time again! Tune into ESPN and ESPN2 starting on December 20 for the best in post-season college football anion to see your favorite teams fight for bowl championships. And on January 2 at 1 pm (ET), be sure to tune into ABC to watch the Capital One Bowl live from Orlando, Florida? m m N n PLATINUM VISA ACCOUNT 4862-3624-8387-0062 NOV 22 -DEC 21, 2005 Page 1 of 1 Payments, Credits and Adjustmenu Transactions 21 DEC PAST DUE FEE 135.00 As a valued Capital One customer, you aze eligible to receive a free Year-End Summary for this specific account that recaps your 2005 charges, provided }roar account is in good standitg and you have made transactions during the calendaz yeaz. Please call 1-877-794-4487 before January 31, 2006, to reserve your copy for this account Orders will be mailed out by the end of February 2006. You were assessed a pas[ due fee of 135.00 on 12/21/2005 bemuse your miwnum payment was not received by the due dale of 12/21/2005. To avoid this fee in the future, we recommend that you ,.., ~ ~ y' / "-~ V" ~, J /1 //// 41 / ~~ allow at least 7 business days for your payment to reach Capital One. L'' {(j/`% . .(- .0, Finance Charges Pleare ru reanre ridc for important information Bal araer P~ Carr yo,cJmg ~,I1~A1tICE gop/irdto sate APR ;IjARGE PURCHASES 52,64(1.98 .0760096P 27.74% (60.21 CASH 1.00 .07600%P 27.74% 5.00 ANNUAL PERCENTAGE RATE applied this period • PLEASE RETURN PORTION BELOW WTfH PAYMENT Capita~Q~a 0000000 0 4862362483870062 21 2707210060002707211 New Balance =2,707.21 Minimum Amount Due 52,707.2] Payment Due Date January 21, 2006 Total enclosed S Account Number. 4862-3624-8387-0062 Plraupinr maitindaddxrs and/or r-mailrhmvgu brl using b/ o. black mk 27.7496 Sett Apc! Gty Home Phone Atarmre Phone ~ #9035619533426968# MAIL ID NUMBER Capital One Bank e ~_ 7IIpNRCTELLOTT P.O. Box 790216 ~t~o~~~unt~t~ut~~~ ' `~~B'~ St. Louis, MO 63179-0216 ~ ~~ SHIPPENSBURG PA 17257-8206 r ~t~~nu~~uu~~~nt~~t~n~~ttnt~t~tu~~r~~nut~~r~~u~n~t~ ° ~ Pleare unit~yoto accurst number on yov duck w monry order made payable to Capital OneBankand mail in the ersdared cave%pe. peoplepc~ online U Abetter way to Internet. UNLIMITED INTERNET ACCESS 1-888-587-9669 • • t Mention Offer Code: DOLLAR Visit vvtnrvy.peoplepc.com/go/dollar PeoplePC is solely responatle for this offer, and i5 not affiiated with Capital One. Capital One does rid pmvide, endorse or guarantee, and is rat affRiatrd with, any product w service shown Here. Ary hadertadts meNionfd herein are sdely owned by the respective entdy. All rights reserved. By responding to Ibis fifer, Yce maybe corrcratrricating iMtzrtation abort yrxaself ro the company that provides this pmtHtct -tor ayartgle, that you are a Capital one customer. 'PeopkPC Online: First 3 month are bNled at 54.97 per monm; 59.95 per month IhereaRer. Offer available m rrevv tiaFlp wbscribers at I~st 78 yars d age and may not be redeemed wdN any otfrer offer. Offer sttbpct to cttange at any titN. Phone technical support available for 51.95 per minute. }Aaelerata b free for 72 months. Offer gootl for Gaited time. After the fast 72 months, the Accdit2letl service will automafically revert m the standard PeoplePC ONne service. Offer subject to dwnge at anytime. With PeoplePC OMine Accelerated, certain Web pa3e fold and graphics rdG bad taster when mrlpared to stadard ?lal-up IMemet service. Actual resuNs may vary. PtaplePC Online Aecekvated is only compatible wish PeodePC Onlne IntemetseMce and specified Wmdows® Mowsers. PeopkPC Online Accelerated a trot compatible wdh Windows® 95 witlr IE 5.5 SP2. Service rat available in all areas. Access fees, taxes, and other fees and restrictiaq may apply. Telephone taG charges may apply, even durkrg mat periods. You are respor~ble for detenniMng whether a call to one d our access rambers witl resell in telephone tell dNrges. Aaess maybe limited, especiaNy during times d peak usage. Dial-up Warders may be changed al PeoplePCS rSstxatbn. Continuous use subject to timeolrt procatltaes. AI use is subject to PeoplePC ONine's Stavices AgrtterneM arM Acceptable Use Pdicy. SfiK is the maxknum speed d service; actual speed may vary. 0 2005 PeoplePC Ina N Rights Reserved PeoplaPC Online and its logos an; trademarks of PeoplePC in the U.S. and other countries. 0 2005 Cap4al One Services, Inc. CapNel One is a fedNally registered service mark. All fights reserved. °o O N N r Ne N f\N periodc rate. To obtdn tfe average daily balance for the baling period cevered by this statement, we take the begiming balance of each xgmern each day, add any new trerwmiau m each segmem, and subtract any payments or credos. Ilf the cotle N appears on the front of this nnemem nee to 'Belerrce Rate Appllad To,' we also aubtrerx any unpeitl firrarae timrge irrdudad in [he balance of eadr segmerrt.l TNa gives ua the daily balance of each aegmrarc. Then, we add up all the daily balarrcea for each aegmern for the biling period and 6vide by tfe Loral number of tlays in the billkrg period. TNs gives us the average dilly balance of eah sagmem. 3. Amrd Pareantaga Ratan IAPiiI. a. The term 'Amual Percernage Rate' may appear es 'APR' w the iron[ of this statement. b. It the code P IPrimel, L 13-mo. LIBORI, C (Certificate of I>epwitl, m S (Bankcertl Prime) appears on the front of tray natemem next ro me pelodc rerelsl, tna penadc rates and ceneapordkrg ANNUAL PERCENTAGE RATES may vary gwrtedy and may increax or decreax based on the stated indices, as land in The Wea Street Jotunsy, pus the margin PreviotsdY 6sdoaed to you. These changes will be eifenive w the fin day of your bNlirq period covered DV Vwr pedallc natemenl ertdng in the mzmhs January, April, JWY and October. c. It fire code D 1Prime), F (1-mo. LI80R) or G 13rtno. LIBOR Repricetl MomNyl eppeere on the hoot of your natamem nets to the perbdc ratelel, the poladic rates and correspondkrp ANNUAL PERCENTAGE RATES may vary mwiMV and may increax or decrxx based w tfre orated indces, as rand in The was Street Jaunsl, pus the margin previardy dadosed to you. Tfrex derges will be effemive an ifs: first day of your biling period each malt. 4. Assesamartt M Lata, OvarNmk and RsOmW Paym~R Faaa. Your accaari wiN De asxseed m more than two of tfe teas listed here tMt occur durirq any htNing period. Under the terms of ywr watomer egreemm[, vve rexrve the right to waive or not to sasses any fees without Drie notlfiution to you widran vvaivtrrg wr rigrn to asxsa the xme or similar foes at a later time. 5.tRattavvktg You Acaaud. If a meminrship tee appears on the iron of this natemtm, yw have 30 days from tfe date rhea netemrm was mailed to yw to avoitl paying the fee or to have suT fee credted to you if yw urrrxa ywr accoum. Durirg this period, yw may cordnue to use ywr accent vmhout having to pay tfte membereMp lee. To uncd ywr accent, yw must ratify r by caliirrg wr Customer Rdatima Department and pay your 'New Balance' in fill (exduding the membertdriP teal Prior to the end of the tMrty-day Period. 8. If You pop Yrttr Aeeant. Yw can request to dose your actaun by calling wr CtNtanar Relatlare Depanmem. Yw mrut destroy your credit urdls) end accoun acceaa deco, urrcal ell prearrthorized baling, end ceex udrrQ your eecourt. If yw do not caned prearahori:ed Wlirrg arrangemerna, we will cerreider recdpt of a barge ywr euferizafion to reopen your arrant. Adrfdonally, your atx:aunt veep oat be tloaetl until yw pay ell amoums Yw owe us irtdudirrp: any lrarrxCtitura you have auhorixed, lkrerrce charges, past due tees, ovenimit tees, retorted paymem fees, cash advance tees and any other tees aeaeaed to your ram. vw .re reaponsiae for tneae amants whetner they appear w your secant at the time you request to clox the acuan[ or they are irrwrred atbxquent ro ywr request to close the accorrrt. Tftia may rewlt in charttea appearing ra ywr accent aher you have ywr ammnt ii it na. already bxn daxd. For a:amps, if you eutfarized a purchax from a merham and we receive the trenaection from the merchern after your accent has been dtmed, your secant will be reopened, the amount of the dtarge will lie added to your accam, erd you will De reapaWble mr peymem. If there la a mambmahip fee for your amour, the fee will corairse to be derged, to the anent permitted by law, unit the t baance has been paid in fill as defined above. 7. Uakrp Yrar Aeaeuk.Vour card a sccourt cersrot be treed in eanectian with any imertet gamdirp varuemims. 8. Notice About EMc6anie Clrack Canvaraiorr. When you provide a check as payment, you auhorize us either to rue information tram your tleck to make acne-time drxtraric land trarrofer Iran your bank acme[ or to process tte paymtm as a deck trartxcdon. When we rme inmrmation from your deck to make an electronic turd narefer, funOS may be widdrawn from ywr bank accourt as soon as fire xme day we rotator ywr paymem, and you will rot receive your check back from ywr finerrdal irutimian. BILLING RIGHTS SUMMARY Iln Case Of Errors Or Queatian About Your &II) If you dtink your bill is wrag, or if you need more information m a tranxmian or bat, wme to ua on e xparate sheet as noon as posrida at tte address br irquriea shown on the fral of this statement. We must hear tram you ro lerer thin 80 days aher we arm you the first bill on wNh the error or praNem appeared. Vw can call our Ctutamer Relations rxmber, bu tldrrg ao will rot preserve your rigMa. In your lever, give ua tfe fdlowing mtomatim: your name and accent number, the dollar amont of rte suspected errs, a deacriptiw of fte error and en etgiaruuon, it possible, of why you believe there is error; or i1 yw need moro inbmetion, a deacripdan of the item you ere uruure about. Yw do tort Mve to pay any amount in question while wa are inveatigatirrg it, liar yw are still abNgated to pay the parts of your hill thn am not ' question. While we invesltgate yea question, we tartar report yw as rlegttgttar[ or take any acdm to cdle:m the amoum yw question. i,t Spedal Rule for CreNt Cartl Rlrchases If yw have a problem with the quality of progeny or xMces that you purduae0 ram a crept certl end you have tried in good taih to correct the problem with the merdurn, Yrxr meY have tfe rigfr[ not IO pay the ramsiNrrg amrxxrt due on the property or xMces. Vw have this Protection only when Ure Wrduse puce wan more then 550.00 and the pudux was made in ywr home state or wi1Nn 100 miles of your maifirrq atltlrex. (It vrt own or operate tfe mertlum, or It rte mailed yw fire advertiaemera for tte property or aeMces, dl WrdNaea e covered regerdlex of mmoun or IoCatlpn of purchaxJ Please remember re sign all cerreepandence. I lJbes not apply to consumer rron-credit Cap accents i Does trot apply to business ran-crept cans accents Capital floe awpons information privacy prdedion: sx our wehsite el www.cepitelone.com. Capital One is a federeRy registered xMce mark of Capital Qx Fnarrdal Corporation. All rigors reserves. 0 2003 Capital Ore 01 LGLBAK 'r a. tlr.a. Pee. vw vau nova-e miNmt.tr greee period of 25 deri Mthtan finance firerge on rrevy par heap, new balance transfers, rtew specal purchases and new other durgea if you pay your total 'New Balerrce', in accordarxx: with the hnportarn Nmice for paymrsna blow, and in time for n to be credtetl 6y ywr next natemem dosing date. There is rro grace period m ceah edvarxxa and apedat trerrafere. In addhion, there is ro grace period an erry irartxQion ii you do tort pay rite tmal 'New 6elanc b. Acoukrp Fkrrrp Charge TrareeOlons which are not subject to a grace period are assessed firunce purge 11 from the date of [he [ranxdion or 2) hom the date [he trarrxdiw is processed to you Axtwm or 31 from [he fiat calendar day of the currem billing period. Additionally, it you lid not pay the 'New Balance' lran the prevloua dllkrg period In hat, firerrce Charges contirare to acme to your r+rpaid balance util the unpaid balance is paid in bal. TNs means that you may still owe firerrce purges, even if yw pay the ernire New Balance irrriceted on the hrm of your statement by the next statemern closing date, but zfid rot do x for tM previou mwM. Urpaid flnence charges are added to rte apdicade segment of your Accent. t c. Mktimwn Finnoa Charq. For each billing period tMt your accourt is auger to a finance charge, a midmum total FINANCE CHARGE of 50.50 wilt be imposed. If the teal flnance charge roadting from the apdication of your periorac ratala) is lees than 40.50, rue will suMratt brat amount bran the 40.50 miNmum ant tfre tiflerence will be bided to the purdux segmem of your accwm. 1' d. Tnnppry Raduelion fir Ferree Charge. We rexrve rite doht to rat aaxsa any or ell finance charges for any given Diking period. t. Average DaNy Balrwa IktckrSSrg Naw Prrrlraaasl. a. Fronts UNrge is calrxlated Dy mddplying the daily balance of each segment of ywr aceourrc le.g., uah dverrce, purhex, special tramkr, and apadal purhex) by the corresporrdkrg pail y periods retelal that has been previanly 6adoaed to you. At the eM of eah tlay during tfe NINrq period, vve aptly the logy periods rate mr each segment of your acctam to the tldly Delarrce of each segment Thar at the end of the billing period, we add w the resdts of these elegy calwlationa to arrive et ywr periodic finance charge for xh xgmrm. We add up the results from ash xgmem to drive at the teal periods finance purge for ywr arxxaaa. To Bet the daily balance for each aepnrm of ywr aceoum, we uke the beglnNra balance for eah segmem and add any new treruectirxu and any periodic flnerae charge calCdetetl an the previous tlay's ba4rrce for that aegmem. WB then stbtrad any paymma ar crerfits pouted ea of that day tMt are allwatetl to filet sepnem. TNs gtves ru the separete tlally balance for each aegnent of your acctaan. However, if you paid the New Balance atrovsn an ywr previous rtetemart in hell for if your new balartce was zero or a credo emam), ce traruscdom vvNh Poat to your purchase or apedal w purchax aegmerns ere not added to the dsay balances. We calculate tfre average dally balance by addng ell the dally balances tpgattrer and diHtfirrg the sun by the amber of the days in the wndtt 6alirrg cyde. To celcdata ywr total finance purge, mWddy ywr average daily balance by the daily periods rete end by the number of days in fire baling period. Due to rour6rg on a daily bees, there may be a diglrt valance between this celcWetim end the amour of finance durga amually assexad. D. If the code Z or N eppeau m the hom of lhia statement next to 'Balance Rate Apdietl To,' we multidy the Inpatam Notice: Paymens yw mail to ttt will rte credited to ywr aCCrornt as of the business tlay we recdve it, provided ill you nerd the lxmom portion o1 pus neter,rem and ywr check in the endosetl remmance envelope and 12) ywr payment is recdved In wr processing cerner by 3 p.m. ET i12 rrom PT). Pleax aNOw at lease eve 15) btrdrex days br postal delivery. Payments recdved by us at any aher lacetiw or in any alter foan may rat be credited as of the day we receive them. Qur buafrtex days are Malay through Saturday, atoinarrp hdidari. Please do not use ataplea, paper riipa etc. wfen preparing your peymem. When You xnd r a drecklal, yw etmwrtze rn to make acne-time demronic tronafer debit from ywr bank account to the amrxrn of the rirack. ~TNa sraMlzetim appNea to aN checks received doing the billing eyrie even if sent by araneone elx. It we carrot process the varufer, yw authorize w to make a charge against ywr Dank aceaxa using the check, • paper drab or aher item. VERIFICATION CAPITAL ONE BANK vs MELLOTT, LISA R The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unswom falsification to authorities, that he/she is, TRACY TAYLOR, Authorized Agent, of CAPITAL ONE BANK, Plaintiff Herein, that he/she is duly authorized to make this Declaration, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, inforniation and belief. TRAC A Notary Public ~..`~„ 3 4862362483870062 A049 WELTMAN, WEINBERG & REIS CO., L.P.A. ~' ~ ~ \^~Y' Y a ~~ N c~ a= J,a. L, 1~.~ ~/ -~ !~t~ r _;, _"~ I._j 1 ~ .~ ..~ SHERIFF'S RETURN - REGULAR CASE NO: 2007-02884 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS MELLOTT LISA R WILLIAM CLINE Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon MELLOTT LISA R the DEFENDANT at 7 IAN COURT at 1641:00 HOURS, on the 16th day of May 2007 SHIPPENSBURG, PA 17257 RONALD MELLOTT, HUSBAND by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge Sworn and Subscibed to before me this So Answers: ~~ 18.0 0 ~~~~ ~-+=-"'" 19.20 ,~ ~ .00 ~ 10.00 R. Thomas Kline .00 47.20 05/17/2007 WELTMAN WEINBERG REIS By. - day eputy Sheriff of A.D. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CNIL DNISION CAPITAL ONE BANK Plaintiff vs. Civil Action No. 07-2884-CIVIL TERM LISA R MELLOT Defendants PRAECIPE TO SETTLE DISCONTINUE AND END WITH PREDJUDICE TO THE PROTHONOTARY OF COUNTY: Please kindly Settle Discontinue the above captioned matter upon the records of the Court with prejudice and mark the cost paid. WELTMAN, WEINBERG &REIS CO., L.P.A. By: ~i-----~ JAMES C A MBRODT, ESQUIRE PA LD #4 24 WELTM N, EINBERG &REIS CO., L.P.A. 2718 K pers uilding 436 S enth Avenue Pitts rgh A 15219 (41 43 -7955 W R 5846284 Sworn to anal subscr' ed j Before me the ~~ COMMONWEALTH OF PENNSYLVA Day of 07 NIA ~ Notarial Seal f' ~ `~y L. Gay alt, Nr' ~~~1 ~ ;Sburgh, P ~, TARY PUBLIC sslonExp,r~. , .~ _ '~ ~ ~ sylvan~a ..~s - .._ i;t- ev o "[3 (? A _~ ' ~ „! ~ t-"' ~" l .L mss;': ~ '-~ ~~j` ~i`