HomeMy WebLinkAbout07-6858
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs.
MARY J MILLER
Defendant
No: 07 -4568 &V; I 1gr(A
COMPLAINT IN CIVIL ACTION
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
05950812 C A Pit AMT
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs. Civil Action No
MARY J MILLER
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
-if
COMPLAINT
1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 6851
JERICHO TURNPIKE #190 SYOSSET , NY 11791
2. Defendant is adult individual(s) residing at the address listed
below:
MARY J MILLER
333 ZION RD
MT HOLLY SPRINGS, PA 17065
3. Defendant applied for and received a credit card bearing the
account number 4121741353224491 .
4. Defendant made use of said credit card and has a current balance
due of $1875.02 , as of October 22, 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
24.990. per annum on the unpaid balance from October 22, 2007 . A copy
of Plaintiff's STATEMENT is attached hereto, marked as Exhibit I'll' and
made a part hereof.
T -?
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 , MARY J MILLER , INDIVIDUALLY , in the amount of
$1875.02 with continuing interest thereon at the rate of 24.990% per
annum from October 22, 2007 plus costs.
James C
WELT
436 S
Pitts u
(414
FAX 41
059708L
warmbrodt,42524
WEINBERG & REIS CO., L.P.A.
h Avenue, Suite 2718
, PA 15219
-7955
338-7130
C A Pit AMT
This law firm is a debt collector attehptXng to collect this debt for
our client and any information obtain d ill be used for that purpose.
First 3 months half-price
a month;
4 7
ftefo-
SIGN UP TODAY!
' 1-877-778-1207
Mention Offer Code: JADE
Or visit www.peoplepc.com/go/jade
C"aift,ow•
Account Su
Previous Balance $995.28
Payments, Credits and Adjustments $.00
Transactions $35.00
Finance Charges $21.34
New Balance $1,051.62
Minimum Amount Due $1,051.62
Payment Due Date September 15, 2004
Total Credit Line $500
Total Available Credit $.00
Credit Line for Cash $500
Available Credit for Cash $.00
At your service
To nB Customer Relations or to report a lost or stolen wrd:
1-800-262-1493
For fra online account service and spedsl outomes offers, log on to.
--pindone.com
Send Payment. to: Send inquiries to:
Attn: Remittance Proemaing
Capital One Service CaPiW One Services
P.O. B. 85147 P.O. Box 85015
Richmond, VA 23276 Ridunond, VA 23285-5015
peoplepc- online
%--./ A better way to Internet.
PeoplePC Online offers the features you would
expect from higher-priced Internet Service
Providers at half price for the first 3 months!
® Email Virus Protection
Pop-Up BlockerTM
Spam Controls
Smart Dialer
Phisher Security
Internet Call Waiting
EXHIBIT
F3tlance Charges Piewe see reverse sidefor important information
Bd ee-1, Perad Cr espo -1 1ZN?CE
WE
m goplirdto tau APR ?Ij ?
n
PURCHASES $1,005.57
.06847%P 24.99%
121.34
CASH 6.00 .06847%P 24.99% 3.00
ANNUAL PERCENTAGE RATE applied this period 24.99%
PLEASE RETURN PORTION BELOW WITH PAYMENT V
:apffa1Cw 0000000 0 4121741353224491 15 1051620050001051621
New Balance $1,051.62
Minimum Amount Due $1051.62
Payment Due Date September 15, 2004
Total enclosed $ 1 ::1
Account Number: 4121-7413-5322-4491
Plxepint mailing adAw mrb e-mailebmga belm ruing blue or Vaak mi
Capital One Bank
P.O. Box 85147 IIIu1n11111111111u1
Richmond, VA 23276
11111111111 IN I I I IN I I I I I I I I III I I I I I 111111111 Ill I I 11111111111111
SILVER VISA ACCOUNT
4121-7413-5322-4491
JUL 16 - AUG 15, 2004
Page 1 of 1
Payments, Credits and Adjustments
Transactions
1 15 AUG PAST DUE FEE $35.00
'"Capital One proudly supports the National Youth Anti-Drug Media Campaign.
PARENTS. THE ANTI-DRUG.
Stay Involved - Ask Questions. To get the FREE booklet, "Keeping
Your Kids Drug-Free," call 1-800-788-2800 or visit www.TheAntiDrug.corn-
You were assessed a past due fee of $35.00 on 08/15/2004 because your minimum payment was not
received by the due date of 08/14/2004. To avoid this fee in the future, we recommend that you
allow at least 7 business days for your payment to reach Capital One.
Sneer Apr t
G1y S_ ZIP
Home Phone Al- Ph—
#9022826473788225# MAIL ID NUMBER
MARY J MILLER
1601 TRINDLE RD
CARLISLE PA 17013-9714
11111111I1IIItttII IIIIIIIIII III IIIIII loll I IIIIIIIII fill IIIIIII
r
Plewe writeyow account number ors your check or money order made payable to Capital One Bank and mail in the enclosed envelope
peopleprw online
%1___1 A better way to Internet.
MARY J MILLER
1601 TRINDLE RD
UHUMITED
INTERNET ACCESS
SIGN UP TODAY!
1-877-778-1207
Mention Offer Code: JADE
Or visit www.peoplepc.conVgG<ade
g
O ,
O
O
e
r N
PeopW is solely responsible for this offer, and is not affiliated with Capital One. Capital one does not
provide, endorse or guarantee, and is not affiliated with, any product or service shown here. Any trademarks
mentioned herein are solely owned by the respective entity. All rights reserved. By responding to this offer, you
may be communicating information about yourself to the company that provides this product - for example,
that you are a Capital One customer.
'PeoplePC Online: First 3 months of service are billed at $4.97 a month; $9.95 a month thereafter. Offer
available to new dial-up subscribers at least 18 years of age and may not be redeemed with any other offer.
Offer subject to change at any time. Phone technical support available for $1.95 per minute.
For questions, call toll-tree at 1-877-778-1207.
Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. Telephone toll
charges may apply, even during trial periods. You are responsible for determining whether a call to one of our
access numbers will result in telephone toil charges. Access may be limited, especially during times of peak
usage. Dial-up numbers may be changed at PeoplePCs discretion. Continuous use subject to fcneout
procedures. All use is subject to PeoplePC Onlinert Services Agreement and Acceptable Use Policy. 56K is the
maximum speed of service; actual speed may vary.
0 2006 PeoplifPC Inc. All Rights Reserved. PeoplePC Online and its logos are registered trademarks of
PeoplePC in the U.S. and other countries.
0 2006 Caphal One Services, Inc. Capital One is a federally registered service mark Ai rights reserved.
periodic rate. To obtain the average daily balance for the
billing period covered by this sratemem, we take the
beginning balance of each segment each day, add any new
transactions to each segment, and subtract: any payments
or credits. ITT the code N appeal on the ham of this
ststemerit next to 'Balance Rate Applied To,' we aim
subtract any unpaid finance charge included in the balance
of each aegmem.) This gives us the daily balance of each
segment. Then, we add up all the daily balances for each
mgm nd for the billing period and divide by the tonal
-bar of days in the billing Period. TNS gives us the
even daily balance of each aegmem.
3. Amrai fsimrs age Rates IAPRI.
a. The term 'Annual Percentage Rate' may appear as
'APR' an the from of Oft statement.
b. If the code P (Prime), L (3-mo. LIBOR), C (Certificate of
Deposit), or S (Bankmd Prime) appears at the from of
this raatemem neon to the padodc rete(s1, the pedock
rates and corresponding ANNUAL PERCENTAGE RATES
may very C runty and may I= am or decrease based
on the Hated indices, es found in The War Street
Joumal, plus the margin previously disclosed to you.
These charges will be effective the first day of your
Wllirg period covered by your Periodic statement erMfq
in the made January, April, July and October.
c. If the code D (Prime), F 0-mo. LIBOR) OF G (3-mo.
LIBOR Repriced Monthly) appeare on the front of your
statement Farm to the part c rate(s), the periodic rates
and conespanding ANNUAL PERCENTAGE RATES may
vary monthly and may Increase or decrease based an the
stated indices, as fount it The War Street Joamat, plus
t e margin previously disclosed to you. These charges
will be effective on the first day ot your billing period
each morph.
4. Aswanad of Lat., overtime and Rotund Pa neat Fan.
Your accent will be anessd no more than two of the fees
listed here that occur during any billing period. Under the
tuns of Your customer agreement, we "- the right to
waive or Cat to aseen any fees without polo notification to
you without waiving our right to aseen the same or similar
fees at a later Lima.
5.tRenwvkg Year Asses. If a membership tee
appears on the from of this statement, you have 30
days Pram the date this mat orena was mailed to you to
avoid paying the fee or to have such fee cradled to you
it you cancel your accent. During this period, you may
continue m use your account without having to pay the
membership fee. To Cancel your accent, you mum
entity us by calling our Customer Relatias Department
ad pPay ywr'New Balancde' inndo fillf (excluding the
=baeysip fee) pdor to a e the INrty-day pariah.
8. N You class Year Accord. You Can request to dose
your account by calling our Customer Relatiom
Deparbnem. You must destroy, your credit card(s) and
accent access decks, Cancel all preauthorized bilkng,
and mere usirre your account. If you do Car Cancel
preauthorized bdlirp arrangements, we will consider
receipt of a charge your authorization to reopen your
assort. Additionally, your accaam will not be dosed
ard" you pay all amounts you owe us including: any
transactions you he- mithoriaed, fimrce Burge., Past
due fees, ovedimt fen, returned payment fees, Cash
advance fees and any other fees aseened to your
account. You are responsible for these amounts whether
They appear on Vale accord at the time You request to
dose the accent or they are irlouried sxbeaquent to
your request to dose the account. This may result in
charges appearing on your account after you he-
your acmum if it her already been dosed. For example,
if you authorized a purchase it= a merchant and we
receive the transaction from the merchant after your
account has been dosed, your accent will be reopened,
the amour of the charge will be added W your accoun,
ant you will be respondde for payment. If there is a
membership fee for your accent, rite fee will cantirua
to be Merged, to the emem permitted by law, if the
account balance has been paid in full as defined above.
7. Uakv Your Aoeatrt.Your Card or account mrylot be
used in connection with any imertet gambling
rrersamiens.
8. widisa About Electronic chaok Corwarson. When you
provide a dock as payment, you authorize w either to
use information tram your deck to make a one-time
electronic fad transfer hen your bank account or to
praess the payment as a deck transaction. Wlrerx we
use information from your deck to make an electronic
fund transfer, kids may be withdrawn from your bank
assert as roan as the same day we receive your
payment, and you will riot receive your check back from
your financial illatitunon.
BILLING RIGHTS SUMMARY
(In Case Of Errors Or Querfers Abaci Your Bill)
It you think your bill is imung, or if you reed more
information on a Transaction or bill, write tow on a
separate show as soon sa possible at the address for
inrquldes shown on the from of this statement. We mum
hear from you no later than 80 days after we sent you the
first bill on which the error or problem appeared. You Can
cal our Customer Relations number, but doing m will not
Preserve year rights. In your latter, give w the fo,,OW it,
mformatian: your mine and account amber, the dollar
smart of the suspected error, a description of the error
and an explanation, if possible, of why you believe there Is
an error; or if you mod more infomation, a description of
the Item you are onmre about. You do not new tbut o payarty
amount kx gUHiion while wa are inveatlgetirnB it, you
are MITI obligated to paY the parts of you bill that are nor
in question. While we investigate your question, we Cams
report you as delirptarm or take any action to collect the
amain[ year question.
I,t Spacial Rule Far Credit Card Purchases
If you have a problem with the quality of property or
sewacez that you P-tuaed with a credit Cam and you
have tried in good faith to correct the problem said, the
merchant, you may hove Ica right not to pay the remaining
amount due on the property or services. You have this
protection ally vMan the purohem price was mote than
460.00 aod the pinch. was made in your home Hate or
within f 00 miles of your mailing address. %:- own or
operate the merdum, of if wer milled you
advertisement for the property or services, all purchases
am covered regardless of ammm or location of purchase.)
Please remember to sign all mrmspordence.
t Dues Cat apply to consumer non-credit card accounts
t Dan not apply to business nor cmailt card accounts
Capital One supports information privacy protection: see our
webaimOw fca deralll- core.
Capiral y reginered service mark of Capital
One Rmncial Corporation. An rights res rw rl. a 2003
Capital One 01 LOLBAK
t How To Avsid A Finance Charge.
. Orwa Period. You will have a minimum gram period of
25 days without that dueme on new purchases, new
balance transfers, new epedal Purchases ant new other
charges it you pay yea total 'New Balance', in
eccortlence with the Important Notice for payments below,
and in time for IF to be credited by your next state nem
doing date. There is no gram period on Cash advances
and special minters. In addition, there is no grace period
on any transaction if you do sal pay the total -New
balance.'
b. Accruing Finrtce Charge. Transactions which are not
acblect to a gram period era assessed finance charge 1)
from the date of the transaction or 2) from the date the,
transaction is processed to your Accent or 31 from ore
first Calendar day of the ourrrt blllirg period. Addtianslly,
it you did not paY the 'Now Belarce' hoot the previous
big period i full, fir= charges =r to accrue to
your unpaid balance until the unpaid balance is paid in full.
This mere that you may still owe firanm charges, even if
you pay the entire New Balance indicated an the from of
your statement by the next statement closing data, but old
not do so for the pm%aow mo mh. Unpaid finance charges
are added to the applicable segment of your Acceutt.
tc. Nisi urn Fnrtae pupa. For each billing period that
your amount is abject to a finance charge, a minimum
total RNANCE CHARGE of 80.50 will be imposed. If the
total finance charge resulting from the application of your
periodic rate(s) is less than $0.50, we will subtract that
emotat from the 50.50 mirlmum and the difference will be
billed to the purchase seprrnerq of your account.
td. Tenprary Reduction In Firrwe Qrrpa. We maerve the
do ao rot amen any or MI finance ,= Igo for any given
fit erg period.
2. Average Duly Babes 1sdated b New Poraft.-I.
a. Rnance charge is miy multiplying the daily
balance of each seg t" of your amoral le.g., cash
advance, purchase, pecial III I, and special purchase)
by the mrrepontltl6qsdaily periodic retels) that has been
previmsdy disclosed to you. At the end of each day during
the billing period, we apply the daily periodic rate for each
== of your acco rt m the dally balarae of each
aegnrrt. Then et the an of the billing period, we addW
the results of than daily calculations io arrive at Your
periodic finarrm charge for Tisch segmem. We add Lip The
results from esch segment to arrive at the total periodic
finance Marge for your account. To get the daily Indexers,
for each sagmem of your account, we take the beginning
balance for each segment and add any new immediom
and arty periods fimme charge calculated on the previous
day's balance tort that segment. We than subtract arty
payments or credits posted as of that day that arc allocated
to that segment. TNS gives w the separate dally balance
for each moment of your accom. Hovaevet, it you paid the
New Balance shown an your previous satemem in full (or
if yea new balance was zero or a credit amount), new
transactions which par to your puduae or apedal
purchase segments am mt added to the daily balances. We
correlate the average daily balance by adding all the dally
balances rogether and dvidirg the run by is nunher of
the days in the cistern billing cycle. To Calculus your total
finance cherpe, multiply your average daily balance by the
daily psdodic rete and by is raanber of day. in the billing
period. Due to rounding m: dally basis, there may be a
slight variance between IN calculation and the amain of
finance drupe actually assessed.
b. If the Code Z or N appears on the front of this natemem
next to 'Balance Rate Applied To,' we multiply the
7489M
Itnpsrlam Noim: Payments you mail to us will be credited to your account as of the business day we receive It, provided 111 you send the bottom pardon of this statement and your check
in the etctosed remmame envelope and (2) your peymem Is received in our processing career by 3 p.m. ET (12 upon PT). Plane allow at least five (5) business; days far postal delivery.
yore s receive sbay s, at any other location or in any other loan may not be credited as of the day race} them. Our business days are Monday through Saturday, excluding holidays.
Please do t cceun for the amount , Ire the Check This authorization applies yyo to ai m nt. enyoud during hec, (a), you auewme w to make a one-time electronic Transfer debit from your bank send erg the billing cycle even if sent by someone else. If we, cannot process the transfer, you authorize
us 1. site a charge against your bank assort using the deck, a paper draft or Other item.
. +.
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating
to unsworn falsifications to authorities, that he/she is L? 7" ?.
of plaintiff herein, that
(_x (TITLE) (COMPANY)
he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint
are true and correct to the best of his/her knowledge, information and belief.
(SIGNATURE)
W WR#
3 :1
iPl,
In the Court of Common Pleas of Cumberland Co. PA
Civil Division
Mary J. Miller no. 07-6858 civil term
Defendant
Complaint in Civil Action
Vs.
Capital One Bank Filed by Defendant
Plantiff Mary J. Miller
A nswer-
I .- IA
Before this complaint my Capital One Card has been paid and on time for the most part. Thecard
became out of hand because of We charges and over limit fees, which I feel are Capita One's fault.
I don't know the correct date but sometime between July 16-Aug, 2004 I had gone to a department
store in a mall and tried to put $36.00 on my credit card (Capital One). It was refused. Because I was at my
limit of $500.00 which has always been the limit of my Capital One Bank card. I wasok with the refusal.
As I got into my car to head home, I heard an advertisement on the radio for quitting smoking. So I
called the number, after talking to them for awhile, the asked me if I had any credit cards, and since I really
didn't want the product, I didn't want to give them a card to put it on. However the guy I was talking to
wouldn't give up. He said, surely you have at least one credit card. So I said I do, but it is maxed out or at
it's limit. He said that's ok I can work with that. So I decided to give him my Capital One Bank credit card,
because I thought for certain he would not be able to charge anything. Just 10 minutes before this I tried to
use it and was told by Capital One it was to the $500.00 limit. The next thing I knew Capital One had
allowed this company tp put $200 on the already maxed card, plus an over limit fee of $35 and a late fee of
$35.
So I called Capital One after I got the bill and asked how this could be. How could you let
someone put $200 on my card and not allow me to put $36 on it. They didn't have an answer. So I told
them to take off the $200. They said they couldn't do that. I asked why and why did they let this happen?
They told me to call the smoking company and have them take it off, they said they couldn't because it was
already sent. So I asked the smoking Co. how could they get $200 put on my credit card when I know for a
fact that it is at it's limits. They told me that Capital One Bank sold them my account number and they
could out anything on it for me, even two of the orders if I wanted.
So by now I was a little upset and I called the Capital One bank back again. To ask how they could
sell my account number, I didn't even think about selling a number, how can this be legal, this is so wrong.
How can you do this? I still didn't get any answers. So I told them, close my account and until you take this
$200 off and all the fees it caused, I'm not paying it.
The following months I recalled the Capital One bank and asked them to do the same thing. Take
off the over limit fees, late fees, and interest that keeps adding up and getting out of hand. They refused and
so I refused to pay. Maybe I was wrong to give the Smoking co. a credit card I knew was at it's limit but
that's the only way I could get this guy to hang up. I never dreamed it could go through. I still firmly believe
that it was so wrong of them to sell my account number to anyone and allow my credit card to go so far over
the limit and then add the over limit fees and late fees to it yet. That's just wrong as far as I'm concerned.
'o' J. l'r1, lle2
F IN q
• • {
Y cl*k
rwr +
SHERIFF'S RETURN - REGULAR
CASE NO: 2007-06858 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CAPITAL ONE BANK
VS
MILLER MARY J
MICHAEL BARRICK
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
MILLER MARY J
DEFENDANT
was served upon
the
at 1510:00 HOURS, on the 29th day of November-, 2007
at 333 ZION ROAD
MT HOLLY SPRINGS, PA 17065 by handing to
WARREN HORNE HUSBAND
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 18.00
Service 6.72
Affidavit .00
Surcharge 10.00
^
00
J`0 34.72
Sworn and Subscibed to
before me this day
So Answers:
cor
!I
R. Thomas Kline
11/30/2007
WELTMAN WEINBERG EIS
eput Sh i
of A. D.
In the Court of Common Pleas of Cumberland Co. PA
Civil Division
Mary J. Miller no. 07-6858 civil term
Defendant
Complaint in Civil Action
Vs.
Capital One Bank Filed by Defendant
Plantiff Mary J. Miller
d? q- 0:3",
Before this complaint my Capital One Card has been paid and on time for the most part. Thecard
became out of hand because of late charges and over limit fees, which I feel are Capita One's fault.
I don't know the correct date but sometime between July 16-Aug, 20041 had gone to a department
store in a mall and tried to put $36.00 on my credit card (Capital One). It was refused. Because I was at my
limit of $500.00 which has always been the limit of my Capital One Bank card. I wasok with the refusal.
As I got into my car to head home, I heard an advertisement on the radio for quitting smoking. So I
called the number, after talking to them for awhile, the asked me if I had any credit cards, and since I really
didn't want the product, I didn't want to give them a card to put it on. However the guy I was talking to
wouldn't give up. He said, surely you have at least one credit card. So I said I do, but it is maxed out or at
it's limit. He said that's ok I can work with that. So I decided to give him my Capital One Bank credit card,
because I thought for certain he would not be able to charge anything. Just 10 minutes before this I tried to
use it and was told by Capital One it was to the $500.00 limit. The next thing I knew Capital One had
allowed this company tp put $200 on the already coaxed card, plus an over limit fee of $35 and a late'fee of
$35.
So I called Capital One after I got the bill and asked how this could be. How could you let
someone put $200 on my card and not allow me to put $36 on it. They didn't have an answer. So I told
them to.take off the $200. They said they couldn't do that. I asked why and why did they let this happen?
They told me to call the smoking company and have them take it off, they said they couldn't because it was
already sent. So I asked the smoking Co. how could they get $200 put on my credit card when I know for a
fact that it is at it's limits. They told me that Capital One Bank sold them my account number and they
could out anything on it for me, even two of the orders if I wanted.
So by now I was a little upset and I called the Capital One bank back again. To ask how they could
sell my account number, I didn't even think about selling a number, how can this be legal, this is so wrong.
How can you do this? I still didn't get any answers. So I told them, close my account and until you take this
$200 off and all the fees it caused, I'm not paying it.
The following months I recalled the Capital One bank and asked them to do the same thing. Take
off the over limit fees, late fees, and interest that keeps adding up and getting out of hand. They refused and
so I refused to pay. Maybe I was wrong to give the Smoking co. a credit card I knew was at it's limit but
that's the only way I could get this guy to hang up. I never dreamed it could go through. I still firmly believe
that it was so wrong of them to sell my account number to anyone and allow my credit card to go so far over
the limit and then add the over limit fees and late fees to it yet. That's just wrong as far as I'm concerned.
>-
'
J
.?
tJ ?
,
c -ys-•
?
`'r
_
? ?_ ,,,
N ,1„
=.:
?? u ,
.,?
ca
rra ?,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs.
MARY J MILLER
Defendant
No. 07-6858 CIVIL TERM
PRAECIPE TO SETTLE, DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R. Bibler, Esquire
PA I. D #93598
WELTMAN, WEINBERG & REIS CO., L.P.A.
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#05950812
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CAPITAL ONE BANK
Plaintiff
vs. Civil Action No. 07-6858 CIVIL TERM
MARY J MILLER
Defendant
PRAECIPE TO SETTLE DISCONTINUE
AND END WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
SIR
Settle, Discontinue and End the above-captioned matter upon the records of the Court without
prejudice to refile and mark the costs paid.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
Attorne for Plaintiff
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#05950812
SWORN TO AND /SUBSCRIBED
before me this 00 day
of '&W '2009
6 0(
NO RY P L
COMMONWEALTH OF PENNSYLVANIA
Notarial seal
Jennifer M. Borowski, Notary Public
City of Pittsburgh, Apa"W County
My Commission Expires Feb. 22, 2012
Member, Pennsylvania Assodatlon of NolsAes
Pf...? '
!