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HomeMy WebLinkAbout12-66162145180 THIS IS AN ARBITRATION MATTER. DAMAGES HEARING REQUIRED. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 FIA CARD SERVICES, N.A. 655 PAPER MILL ROAD NEWARK, DE 19711 vs. GREG J LEE 715 SANDBANK RD. MOUNT HOLLY SPRING PA 17065 ASSESSMENT OF ~' ~, ~~ ;-~ _ , ~ r = :~ .,_- : ~ T -~ _ : ~ ~ .. l~ ~,~. ~ ~ ~-~ ""' c..~ COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO . I p~' - lX ~C' ~~~ i NOTICE 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 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 JUDGEMENT 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 O aM~~ 1o3.~s~ a~ ck,~+ ~~ 4 ~..# a sa3c~~ FIA Card Services, N.A., Plaintiff, ) v. ) GREG J LEE, } Defendant, ) COMPLAINT IN A CIVIL ACTION l . At all times relevant hereto, the Defendant(s) was the holder of a credit card or other consumer finance account (hereinafter "the account"), which at the request of the Defendant(s) was issued to the Defendant(s) by the Plaintiff or a predecessor in interest of the Plaintiff, under the terms of which the Plaintiff or its predecessor agreed to extend to Defendant(s) the use of its credit facilities. 2. Defendant(s) accepted and used the account so issued and by so doing agreed. to perform the terms and conditions prescribed by the Plaintiff for the use of the accaunt. 3. The Defendant(s) received and accepted goods and merchandise andlor accepted services or cash advances through the use of the account issued by the Plaintiff. A true and correct copy of the Charge-Off Statement is attached hereto as Exhibit "A". 4. All the credits to which the Defendant(s) is entitled have been applied and there remains a balance due in the amount of $5,161.46. 5. Plaintiff has made demand upon the Defendant(s), who is in default, for payment of the balance due but the Defendant(s) has failed and refused, and still refuses, to pay the same or any part thereof. 6. Defendant's last payment on account was made on 12/06/10. WHEREFORE, Plaintiff claims of the Defendant(s) the sum of $5,161.46 plus applicable court costs. GOR.DON & WEINBERG, P.C. ~~ BY: ! 1 FREDERIG~-I". WEINBERG, ESQUIRE JOEL M. SLINK, ESQUIRE Attorney for Plaint_~~f PBO? . 1 FIA Card Services, N.A., ~ Plaintiff, ~ v. ~ GREG J LEE, ~ Defendant, ~ VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he is an authorized agent of FIA Card Services, N.A., the Plaintiff herein, and that he is duly authorized to make this Verification, and that the facts set forth in the Complaint in this civil action are true and correct to the best of his knowledge, information and belief. Dated: OCT 0 9 2012 Affiant Name (Printed): -Mitchell O'Dell 1 ~a~,1 '" ~' r1 '° ~'/' .ir~ Affiant Name (Signature): ~ ~ ~` 214518() Reference No.: BankofAmerica ~~ GREG J LEE Account Number: 4313 0387 9430 78522 June 11-July 13, 2011 Account information: wwtic.hankofa me rica.com Mall billing inqulrles to: Bank of America P.O. Box a52Ma,5 E] Paso, 7:l" 78998•~~35 Mail payments to: Bank of America P.O. Bos 1:1018 1~'ilmington. DE 198F3&5019 Customer Service: 1J300.4,'~,1.~1{.0 [1.800.34H.3178 TTY) New Balance Total ..................................................................$5,161.-06 Current Payment Due .................................................................$200.00 Past Due Amount .....................................................................$1,188.00 Total Minimum Payment Due ......................................................$1,388.00 Payment Due Date .........................................................................8/9/11 late Payment Warning: If we do not receive }rour Total Minimum Payment by the date listed above, you may have tc pay a late fee of up to $35,00. Total Minimum Payment Warning: If you make only the Total Minimum Payment each period, you will pay more in interest and it will take you longer to pay off your Valance, For example: • ~ ^ ^ Previous Balance„ .....................$5,011.14 Payments and Othe* Credits .. ..................0.00 Purchases and Adjustments .. ..................0.00 Fees Charged ............................ .....................35.00 interest Charged ........................ ..................1.7,5.32 New Balance lotai ............. .........$5,161.46 Total Credit Line ................ ._,.....$4,500,00 Cash Credit Line . , .. ._......$1,400.00 StatementClosmgDate .. ... ...........7/13/11 Days in Billing Cycle ... .. . . .....................33 Tiansactlan Pasting Ra/erance Account Dete Date Oescdpt/orr Numtrer Numtrer Anvocmt Tot©! Fees 07/09 07/09 LATE FEE FOR PAYMENT DUE 07/09 TOTAL FEES FOR THIS PERIOD 5011 35.C0 $35.00 interest chargetl `-~'"'-- 07/13 07/13 Interest Charged on Purchases 4 83 07/13 07/13 Interest Charged on Balance Transfers 0.00 07/13 07/13 InterestChargednnDirDep&ChkCastiAdv 0.00 c ontlnuetl on next page... I,D 00516146DD13880DDD029DDODDD4313038794308522 BANK OF AMERICA P.O. BOX 15019 WILMINGTON, DE 19886-5019 GREG J LEE 715 SANDBANK RD MOUNT HOLLY SPRINGS PA 17085-i 140 Account Number: 4313 0387 9430 8522 New Balance Total ........................................................$5,161.46 Tatai Minimum Payment Due .............................................1,388.00 Payment Due Date ...................................................08/09/11 - ................ . Enter payment amount $ Gheak oars (ore change ofmarlrngaddress orphone numbsrs. P/sass proNde all cw2ctions on the reverse srde. Ma11 this coupon sloop with your check payable tc; Bank of America ~: 5 Z40 2 2 250: 09368 7943085 2 Zn' If you would like information about credit counseling services, call 1-866-300-5238. i IMPORTANT INFORMATION A80UT THIS ACCOUNT USE711 Rev. 66/11 CUSTOMER TIPS FOR DISPUTED ITEMS iliany tines rtispntrd rlra.rges a rlegitim-tte char(;es that rusUtmers may nntreenittt}ze rn remember Befnced+ putingn.cltnt•g,a=e.terommzndthntyouveri(~~n.fewthingv and mako evorq aHart to rcyokr. the dispnto with the merchant. Often the merrhanl can. .utsweryaur questions and nr~ily resolvo your dispute, Thv merchant's pltorro numbnr maybe locxtted on yocu• receipt or billing etaSoment, Iiav n rtrr}it posted to yow•aceount? Please allawup to 30 dsvs Pram the data on your crodit voucher or ark-nvtvled,ementIetter for th e merc}tarrt credit to post, Is the charge oramoontnniamiliar? ONT.INE !-~ _ _ _-- _ _ -- Online Ilan!dugis:tva,liable.'.4hnttrc~.dny,'.ti~c5a`scekand ~VV.I allowayeutvuiewthemostrer:entacrniryonyoro-arcaunt. PHONE L88EL28B.02I2 Far prompt service, pluuse hive the mexchant roforeace ^wnber(s) avtdtablo for ttra ebargo(s) in question. Check mitlt otherporsmrs autttt[rizedtn use the accaunt to make suro Choy did not makethe chargo. Tt is possible that the metrhants' hillingnames and start, Humes are cl iffrrent nr amnuots can easily I>e ronfn sed aRth similar rhar~es nr inclurie tips. One way to check fnr the raedi is or to view transtutaon details is to ]vok ttt,ymur accountstatomentsonline. [fvou nrenotenreiloriinOnlinoRaaking,ills easyto enroll usia~ the wet+addrea~ on the front of your statement. or give us :call. Yleu,ea remember: If yon findnn errrrr oayour bill,yuu must notJ~ us no later than +30 days alter we sent,ynurfirst statement nn whirilr the error or grablam appeared to preserve your billing rights. PAYING INTEREST 6Ve mill unt char{,~e i uterest oa Yntrhases nn the nest statement ifyou pas life lclem fi~alance Tni al in fir}1 by'the Pavmant lhtc Date. and yen hod paid in fitll by the pzevious P:~vmantDue Date, }We will beldn rluzrgingurterest on Balance Transfors and Cush Advances nn tho transaction date. CALGULATtON OF BALANCES SUBJECT TO INTEREST RATE Avernba Daily Dalrttr[x 14ethod (including nemPnrchases): IVr c~tlettlnte separate Balaoccs : object tri tut Inu:rest Rate for Purchases and fnr oacdt Introductory or Promotlontd Offerla.•tlanco rmrsistingofPttrchasos. We do this by: (1) car lenh[ting a riaily balance for eucl[ dae in the billing cycle; (~) adding [sll the daily balances together; a.od (3) di',dding the earn of the clnily hn.lancesby the mtmher of data in the billing cycle. To calculate the daily bal.-tuce far each d&y in this stattvnent's billing cycle„ a'e: (1) take the beginningtu[lauce; (2) addanamnttnt. sgual to the applicable Daa}SPeriodia Rate .multiplied by the p[revioua ds,y's clailybalunce; (3) add newFurchvses, newAa:ountFees, a nd new Ttttnsactinn Pees; anti ('4) subtract. applicable payments and credit r. if any daily balance is less tlutn zeta we heat it as zeta. Arerate Dalance Method (includinfi Hem Balance Transfers acrd Hem Cash Advanras): Ura c.•dculate soparafe Balances 9abjsct to an Interest Rate for Dalance TrtmsFsr•s, Ctr.sh Arlrrsnces, anti for each :lntrnductory m: I'romational Offer btJance consisting of J3a;tanre'Cntnsfers or Cr>14h Advances. We do this hy: (1) calettLgting a6ailybalanen for rash clay in this statement's billing cycle; tZ) calculating a daily bal,•urcc. for e~nch day priorta this statoment'.s bil)ingeycle that hod a "Pre-Cyclo halanco"-aPrs-CycIebalanceis aBalance Trnn [?Fey nr a Cash Advance with a f rnnsactian date prior to i:h.is slat am cot's hitFiog cycle but n'iih a. pnsring date rrithin tills statement's billing ryclr.; (3) adding ail the daily iralttncea together; anti (4) dividingthe sum of I:he d?ri),y balances by the number- of daps in Llris st;rtarnent's billing cycle. 'i'n calculatx; the du:dy balance fnr each cloy i n this stn.temeut`s billint; cycle, we; (i } take the bcgi[tningtralar[ce; (7) add an amount egtralto the applicable Daily Periodic. Rate n.~ultipl}ed by the previous rlayrs dai(ybalaure.; {3) adtl new Balance Transfers, new Cash }dvances:urd Taansactivn Fe+ts; and (#) subh act applirah}e paymrents and crettits. IFanc dui ly haL~[nca is less than zeta we treat i t as zom. Te caleulaz.e a cla.ily baltutce fnr enrh clay prior to this statement's billing e,}=c:le that had. a Prr. Cycle baLsuce; ft) we take the bcginniug buJrence attributable solely to 1'te-C•yclr. balance (whirltvvill be zeiro nn the trausactioudata of~ho firstPre-Cycle baletneej; {Z) odd an amount canal to tiro applict[1rlo Daily Periodic Aate multipliul bythaprovions cJny's clailyhalance; (3) and otk] only the applicable Pre•L}=cle balances and their relatEd 'Cntins+rction Pees. Rre exnlnde from this calcuJ;ttla^ a trmsactians postrxiin p[~evinus btllan~ r-gcle5. PAYMENTS lVe credit mailed payments as of the date received, if t)re payment is: (1 } received by d p.m. Local lime at the ruldress shown on the rernittnnce sGp on the front ofvom• moath~t= st ,tcnnent: (2) paid ~ nth rr check dranvn in U,S. dollars vn a LLS'. finanasl institution or a Li.,S. dollar money ardor, and (9) sent in the return envelope with only the remitt[tnce portion afvaur statement accamp,v>,yingit. f ayments receiced t>comnil after 5 p,m. local Eime at the retnitG•tutr address nn any day incluclint;tlre.Ftkymentllue Data, butthat othera'isemeettheahoverequiremants,willbuereclite[tasofthenestday, Payments made online or ny phone will he creditedas oF. the date of rec:eipti4matle by b p,m. Cenh~al. Credit. for aqy otiaer payments may he delnyerl up in live days, No payment shell operate as rn accord and sell,-1 rtction adtltout the prior written tarp tonal of one of our Senior Ulficera. Wo prw:ass roost tw;vnrentrhucks electrunict[!ly by nsingtha informatiou fat[ud on you r chet•Ic Eat:h check authorizes us to create a one-tame electron is ittuds trans.Fer i or Lrn>ces s it as a chock or paper draft), Funds pray be wil,hclrawn fl•om you r account ac saon as the same cloy we receive your payment. Checks are not returned to you. For [once information or to stop the ele,;vronic fitads tri,nsfe[•a, call us at the nranber Iisied nn the front. If you have authorv ell us to pa}'your credit cacti bill automatically Gam your savings or chaclting acwttnt with us,,you con st-0p the psyment on any amount you think us ~vrnny. To stoppayment, }vnr leKer most reach ns atJcatrt three business days before the automatic Pa3•ment is scheduled to occur. M9II, Attn: Riliing Inquiries PO Rnx9R2235, F,11'asn, TX 79D98 SVlren writing, please include Yonr Name, Account Number, the ® Disgntedbtnount,MerchantName,YtansactfonDate,and rvferonco number oFtha tiisputad item and specific details ragardiAg Yonr dispute, ir_clmling datos of cor[t~rctwith the [nerchant anti the merchant's respmtae in each iastance, Please include all supporting dacetmentatlon, inaludingsales txncl crectii you clurrs, conhact and postage tr, turn receipts as proof of say cello nc. TOTAL INTEREST CHARGE COMPUTATION Interest Charges accrae and are compounded on a dal Iy basis, To determine the intmest C:h•trgue wa multiply each Ralanca 5nbjset to Interest Rs:t~r~ by its applimhlo .Daily Peaialir. Rate and titex result is m ultiplied by the Hum her ot'clsys in the hill! ng cycle. 7'0 determine the total Interest G7rargr. P.nrthe hill! n; cycle, we add the Periodic &'ttr. Interest Chargostn;rther. ADai~vParindicRai,eisea}uulatndbydividingar[.AnntiiiPcsaentage Rata bq 3G5. HOW WE ALLOCATE YOUR PAYMENTS Tfyottr tr+cc:ount has balances with different .4PIis, nn; miIl allocate the antaunt• of vaurpayment easel to the Total k[itrimunt Payment 1)ue ko the lamest APR Ita4xnces first tincludinN transact~ns nmdo after this etatemont). Pt>s[treutamounts in excess ofyour Total Minimum Payment Dne millbe applied to ba]ances with higherAPRs before baltutces wff.h lower APR9. IMPORTANT INFORMATION ABOl1T PAYMENTS BY PHONE lichen usingtho optional Pay-by-Phone sorvice, von authorize us to initials an elecl:rnnic payment from yaw acannrrt at the finnneial institu lion you dr, oignate. Yon inn st authorize the amount. and tinting of each. payment. For ym[r protet;i~ion, wa u=i11 ask fnr security information. A fee may apply fur expedited service. Tn cancel, call us before, the scheduled ~ agmeut lisle. Same-clan payrneuts cannot he editAd nr c•+,nar*led. YOUR CREa1T LINES 1~e 7btn1 CrerlitL}ne is the amountnf. oredi# nvailahle fnr fire account; however, nnlr- n portion of tl>t1t is available for [3arrk CashAtlvances. 7'he Cash GYedit Line is t1[atamonnt you have available for Dank Cttsh:ldvances. Generally, IiankCash Advances cansist of ATht Cash Advances, Uverthe Countor (OTC) Cash Advances, Sarno•Day Online Caeh Advanees,Overdraft Pratertion Cash Advances, Cash Equitz+,lents. Rrturned Paymeots, :wd applicable transaction fees. MISCELLANEOUS °*Promotiorut] Rate End.Date: This date is hnsecl on a future statement c)asingdato, Ifyou cbattgeynurpnymenk rfire date, this date cauld rhangF. 7'rnnsactians must meet offer conrlitians in order to quality fur the: promotional talc. For the cnmplate: terms and conditions ofrour ac[:nunt, rnnsultyour Credit Cat•rl tl.t*nement, FIA Cttrcl Services is a tradename of PIA Card Sea=ices. N A. Tltis account is issued anti administered by FIA Card 5w•vires, N.rt, Tfyourbi]]ing address orcantact ittfnrmation has chnngod, or if ynnr address is incotTect as it appears an this bill,ptooae provldo allcorzectinns belt;. Address I Adclrrr*s City ___ State _ Area Cale & Hom a Phnnc Area C,;ode & Work l'hono BankofAmerica ~~ 4313 0387 9430 8522 June 19. -July 13, 2011 Page 3 of 4 Tiensect(on Fastlnl; Reference Account Dafe Dele 17escdptlon Number Number Amount toter Interest Charged 07J13 07/13 Interest Charged on Bank Cash Advances 1.1.0.49 TUTAL INTEREST FOR TH15 PERIOD 5115.32 1 . ~ Total fees charged in 2011 $245.00 Totai interest charged in 2011 _____ $689,49 ,~ Your statementhaJance exceeds the Tots] Credit line. To ensure uninlen•vpted uae of your account, pieaae make a payment to bring yatu balance under the Tote) Credit line. There is no fee Par being aver your Total Creditline. - - ~ ~ Your Annual Percentage Rate {APR) is the annual interest rate On your account Annual Promotional Promotionai Promotional Balance Interest Percentage Transaction Offer lD Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 23.24~V $ 230.03 $ 4.83 Balance Transfers 23.24'kV $ 0,00 $ 0.00 L)irect Deposit and Cheok Cash 25.24tsV ^ $ ~ 0.00 $ 0,00 Advances __ _ F~anx Cash Advances 25.24~V __ _ __ $4,842.05 $110.99 APR Type Definiiians: C>viy Interest Rate Type: V= Variable Rate (rate may vaiyi SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~~~tiA~a q{ ~u~brr/;~~0 ~~Ft ~ ~ F "~+[ z~ERI~~ 1-1f~ ~'~f E P D H0~4C~ ~'~ ~, Y 2012 NOV -9 AM 8~ 35 CUMBERLAPI~ COI1H~'Y PENNSYl.VANiA FIA Card Services, N.A. Case Number vs. 2012-6616 Greg J. Lee SHERIFF'S RETURN OF SERVICE 11/05/2012 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Greg J. Lee, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint & Notice as "Not Found" at 715 Sandbank Road, Dickinson Township, Mount Holly Springs, PA 17065. Per property owner, Charlie Maltios, defendants stayed at this address for one month over a year ago and left for England. He has no forwarding address for them. SHERIFF COST: $40.45 SO ANSWERS, Cam' ~ ~---~---~..`"` November 05, 2012 RON R ANDERSON, SHERIFF ic? ~aw;ySurte gl~eri't. Teltcsoft: 1^. 2145180 GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351 -0500 FIA 'CARD. SERVICES, N.A. COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. : 12 -6616 CIVIL C) a GREG J LEE r m Nr r �= .[ C7 PRAECIPE TO WITHDRAW COMPLAINT �, TO THE PROTHONOTARY: Kindly withdraw the above - captioned action, without prejudice. GORDON & WEINBERG, P.C. BY: P006 FREDERIC I.T RG, ESQUIRE JOEL M. FLIN , SQUIRE Attorney for Plaintiff CERTIFICATION OF SERVICE I, FREDERIC I. WEINBERG, ESQUIRE, hereby certify that I, on the date below, served a copy of the Praecipe to Withdraw Complaint to Pa.R.C.P. 1028(c)(1), via First Class Mail, postage pre -paid, to all other parties or their counsel of record. FREDE BERG, ESQUIRE