The URL can be used to link to this page

Home My WebLink About12-74862145492 THIS IS AN ARBITRATION MATTER. ASSESSMENT OF DAMAGES HEARING REQUIRED. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 c7 1001 E. Hector Street, Ste 220 _ ~ N ~ Conshohocken, PA 19428 ~ ~~ '~ ~ rn-- 484/351-0500 ~ ~ ~ ~ ~~ - ~~ FIA CARD SERVICES, N.A. COiJRT OF COMMON PLEAS x'c'~ ~' ~ z~-*- C 655 PAPER MILL ROAD CUMBERLAND COUNTY = ~ _ -" ,~.~~''"~ NEWARK, DE 19711 ~,.~~ r' vs . n ~` DOCKET NO. , IX~~~ ~~ ~ l V ~ -•,, RICKY L KILLIAN 408 McCulloch Rd Shippensburg PA 17257 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 CR 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 DC 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 a~~g~~~ G ~~~ ~3~~ ~~a~u ~~ s FIA Card Services, N.A., Plaintiff, ) v. ) RICKY L KILLIAN, ) Defendant, ) COMPLAINT IN A CIVIL ACTION 1. 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 account. 3. The Defendant(s) received and accepted goods and merchandise and/or 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 $2,654.98. 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 09/22/11. WHEREFORE, Plaintiff claims of the Defendant(s) the sum of $2,654.98 plus applicable court costs. GORDON & WEINBERG, P.C;. ~. BY: FREDERIC' I. W INBERG, ESQUIRE JOEL M. FLr~ E:>QUIRE Attorney for Plaintiff PBC)A . l FIA Card Services, N.A., Plaintiff, v. RICKY L KILLIAN, Defendant, VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he is an authorized agent of FIA Card Services, N.A., the Plaintiff herein, and that he is duly authorized to make this Verification, and that the facts set forth in the Complaint in this civil action are true and correct to the best of his knowledge, information and belief. Dated: N®~ ~ 6 202 Affiant Name (Printed): Beth Ammons Affiant Name (Signature). 2145492 Reference Nn.: EXHIBIT "A" BankoflAmerica Account Intormatbn: wwtiv.hankofa merica.com Mall blliln$ inqulrbs to: Bank of America P.O. Boz 882v~'.5 El Paso, Tfi 78t>f#3.9~ Mail paynxnts to: Bank of America P.O. Box ]5019 Wilmington, DE 18986.501.9 Customer Service: 1800.789.8701 {1.800.3483198 TTY) RICKY L KILLIAN Account Nwnher: 4427 1000 2742 3446 Dctober 20 • November 17, 2011 New Balance Total .....................................................................$2,654.98 Current Payment Due ....................................................................$115.00 Past Due Amount .................._.....................................................$805.00 Total Minimum Payment Due ..........................................................$920.00 Payment Due Date ....................................................................12/16/11 Total Minimum Payment Wamins: ff you make only the Tatai Minimum Payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Previous Balarxe ................ ........$2,638.37 Payments and Other Gredits .. ..................0.00 Purchases and Adjustments .. ..................0.00 Fees Charged .............................. .......................0.00 Interest Cher6ed ..................._.. .....................16.61 New Balance Total ........................$2,654.98 Total Credit Line ...........................$5,600.00 Cash Cretlit Line ..........................$1,700.00 Statement Ciosug Date .................11/17/11 Days in BillingGycle .................................29 Tronssctbn Date PostJrtg' Date Destxtptlan Relbrenca Account Number Num!»r Amount Tota! Interest Charged 11/17 11/17 Interest Charged on Purchases 16.61 11/17 11/17 Interest Charged on Balance Transfers 0.00 11/17 11/17 Interest Charged on Dir Dep&Chk CashfWv 0.00 11/17 11/17 Interest Chargetl on Bank Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD $1b.61 f • - • ~ Total fees charged in 2011 $0.00 Total interest charged in 2011 $219,18 16 0~2654980~092~OD~0~1150~Dd0488$936134562939 BANK OF AMERICA Axount Number: 4427 1000 2742 3446 P.O. BOX 15019 WILMINGTON, DE 19886-5019 New Balance Total ....................................................52,654.98 Total Minimum Payment Due ............................. .920.00 Payment Due Date ...................................................12/16/11 RICKY L KILLIAN Enter payment amount ~ 408 MCCULLOCH RD SHIPPENSBURG PA 17257-9427 Check here fore change ofmailatgadoYess or phone numL~rs,. Reese prtride ell corrections on the reaerse sale, Mall this coupon along with your check payable to: Bank of America ~:5 240 2 2 250~: L28~6ir3456L93y11' If you would tike information about credit counseling services, call 1.866-3005238. ~ fMF'ORTANT INFORMATION A80l1T TNlS ACCOUNT __ _ ______ __ _ _ __ USE711 Rev_66111 J CUSTOMER TIPS FOR DLSPtITED ITEMS b3agv times rlisputrtl rltarges are legitimate charges that ruatnmers trtay not recntrnize ort-c:member. t3eforedisputingacttarge,were-commendthatyouveri(yafewthings and make every cart to resolcr-.the (Gspnte with the merchant. O{ten the merchant can answaryourquosticnsandnasilvresolvawurdispute. Thomerehant'sphonenuntbor may be located ofyoar receipt or billing s tatntuent. Has acredit pooled toyouraccount! Ple:tice allawup to 30 days from the Bolo or. Yonr credit voucher or arknowiedgementtetter for the morchawt credit to post. • lathe charge ar amount nnfaml)lar". Check gitlt othrrpars(ms suthnrizod to uac the account to mako surd tJtey did not m:tkethe c~arge.lt is possible that ilia merchants' hiUingnames and story, names am difirrrnt or amounts can easily he <;onht sedwith similar charge's or include tips. One way W check fur the credits or tociew hars:uiaon dek111a l9 Ln Inok alt }vur aa:vwlt sfntnments online.If yon are not enrolled in Online Banking, it is e:vsyto erro6 usinn the woh addn:ae ou the front ofyoar skaiemont or qiv+: us a call. Please remember. if you find an errornnyour bltl,you mast notiQy us nn later than 80 d:kys after tie sentyonrfirst statement nn which the error or problem appeared to preserve your billing rights. -- ------ O~L> Online Banlin~v is avaiLtble?fi ttoltrs A day, 7 clays a week and (L alallow~youioviewthemastrecentardvityonyaru•acenunt I PHONI* { ~ 1.886.28t)A212 Fnr prompt service, lilease have dw merch:vut rnfererke onmtx>r(s) } availablo for rho cltar6ro(s) in yuesiion. 1 i MAIL Att»: Billing fngniries PO Aox 8AE23ii, El Pasn, 7'X 7998E When writing, please include Yonr Nnme, Accoant Nnmher, the ® llispatedAmount,MerchantNnme,TtansactionDate,tvnd rufero~o number of the dispou:ditem mid specificdetails regarding your disPot+k, itu;luding Batas of canh+ct with the men;luvnt and the merchant's response in each instance. Please include all supporting doccunenuttlon,including ssles ao(lcredit you chers, conn-actand p;~ereturnreceiptsnsPmufnfagvretarns. ___ PAYIHO INTEREST We wilt not charge ittterestan Parchagea onthe nett statemeutifyou psythe New Balance7`otal infuB bvthe Payment llue Date, andyou had paid io full bytheprevious Ptdyment Due Date. We will begin charghtgutterest on Balancs Transfors and Cash Aclyancos on rho ttaneaction date. CALCULATION OF BALANCES SU9JECT t0 INTEREST RATE .9rerage Daily Balanrr, bfethai (including newPurchaaea): ~Vc aalculatr. scpsrats B»Lznxs Subjtxtto nn interest Rex fnrPureh.•-srs and for oath Inh•oductory or Promotional O(ferb;danco consisting of Pnrchasc:s. ~L'o do thie bv: (t) ciilcok+ling a daily balance for each clay in rho billing cyclr, f 2) adding all the daih• balances to~ihrr; and f3) dividing the sum of the claih halanrx~,by the number of da}5 in the billingc}rolo. To calcnl<nte the daily baLlnre for each day in this statement's billingcycle, we: {l) take the beginning balance; (2) add an amount equal M the applitx'cble Daily Periodic Rate mtiltipliecl by the previous day's daa>!i balance; (3) a<Mnew Purrhsses, new Account Fees, and newTransaction Peen; and (h) suhtractapptleahle paymente and credits. if anydai{y balance is less titan zero we treat flits zero. 9yet'age Balance Method (inctudingnow Balance Transfers turd new CashAdvanc~t): We calculate separate Balana~s Subject to an Ltterest Rate for Balanco?ranstora, Cash Advances, and for each ]ntroductnry or Promotional Offer balance consisting of Balanrx Trtnstcrs or Ca_ch Advances. We do this bS: (13 calculating s clailybalancc: for carh Boy in t]tis siaxment's billing cycle; (2) cnlculttting a daily ba4vice toz each day prior to 'this staicmeat's billing cycle that had a "Pro-Cycb balance"--a Pro-Cycle balance is aBalance Transfer nr a Ca9h :lchance with a transaction dale prior to this statement 5 hilliug ryclo but with a.pnstingdate withinthis statement's billing grcle; (3) addingall the daily btviAnces together; and (4) dividingthe »um of the dally balances by the number of days in tins statement's billing cycle. To calculate the dailyba.Vactce for eatdt day in this staGtment's billing cycle, we: (1} tape the beginningba)ancr; (2} odd an amount egttal to the applicable Dai1,y Perialie Rafo multiplied by the precious dgv's dailybalance; (3) add new Dalance 7`ransfers, new Cash advances and Transaction Fees; and (~) subhact applic,•tblo pgvr»ents caul credits. If any daily balance is less tl+an zero w-e treat i t as yam. To rslrnlate a daily balsa+ce. for each day prior to this statement's billing cycle that 1>,-u) a Pre-Cyrlc tutlance; (1) we cake the beginning balance attrfiutable aolrlvto Pre-(yrlr. lr:tlnnca (which will be zero nn'the tttutsttetimt Bolo of rho first Ere-C)-cle b.-dattce); (2) add an:unouttt egncd ttr alto aPplic,.tble Daily Pe+i+xlic Rate muliipfi:xl bptho previous clay's rlat7yhtilanre: (3) and ottd only the npplicnble Pre-Gtic1e Ltalrvrt+es and their zxlaled Trot saet.ion Pets. We exclude {rom this czttctilatlnn all transactions posted in previous 1»Iling cgcles. PAYMENTS We creditlnliled payments as of the date received, ii the payment is: {1} rereivecl by 5 p.m. Local time at the a(Jdrnas shown on the remittance slip on the front of yrnir monthly statement tom) paid with a check drawn in liS, dollars un a U.S. financial institution or a ti 5. dollar money Dolor; and i 3) sent in rho rrturn envelope with only the remitUmcn portion of ymu• statement accompanying ii. Payments receiced try-mail a[tor 5 p.m. local tame atthe remittatce ad<lcese on anr-day including the Payment Due Date, but that othcrwisemeettheshoverequituments,willix:creditectasofthenetday. Paytnenia matte online or by phone wdihe credited as of the date of receiptif madt: bS ii p.m. Central. C4~edit. for aq~ ether paymerds may be delayed up to dye days. iUo payment shall operate as an accord and satisfaction w~tbout the prior written approval of nr+e of our Senio r Ot!icers. 6Vo procose mast Payntont. checks ulectronic(tlly by nsirtg tbo infvrtnation fotutd nn your cltec•3t. Each chc~:k auiltorizes us to cte:th: a one-time oloc¢ranic foods tra+tsfor r'or practise it as a chock or palx:r drnlt). Funds ntay'•>r withdrawn from your+tctvuat az sa~n as the same day we receive your p.'tyment Checks act; no t returned w you. for mo re information or to swp tbe etecxroric fitnds tout.?fell, rdl us at the number listed on the front. if you have author-v.+xl :ts to psyyour credit card billautomntiati;s• from your snvin( or checking ac(Atml with us, you can stop file payment nn any' nntnunt you thick is wrong. To slr+p payrnent,yoar Irttarmnst reach us atleaat three husinuas days before the eu tomatir paymee nt is scheduled to a:cur. TOTAL INTEREST CHARLIE COMPUTATION intemst Charges accrue andare compounded on adaily basis.Todeterminethe Interest C:hatgca we multiply each Balance 5tibiedtn lntet•est Rate by its applicable Daily Period(c Rate and that result is mtiltiplied by the nttmher of days in the billing cycle. To drtcrmine thetotal Intemst Chargn Mrthe billingcycle,we add thePexiodicRate Interest Charges together. A Daily Periodic Rex is calculated by dividing an Armttal Percentage Rato by ~i5. HOW WE ALLOCATE YOUR PAYMENT'S if ymtr account has lwlances with different APRs, w+; wiIl allocate the amount. of }rourpayment exlaalto theTotai bfiuimum Payment 1)ue tothe lowest APRltalatu:os first {includin(; transactions roads after this etatement). Payrttant amounts in raccoss of your Totni Minimum Pay~aent Dae willbe applied tohalaaces with ItigherAPRelteforehalances with Inver AYRs. IMPORTANT INFORMATION A801>T PAYMENTS BY PHONE When using t1W optional Pay-by-Phone aervice,yoa atdltorizeus to initiate an eleewttir patymentfcom your aceanM at the Sntancial. Laatitutiun you d+wignate. Yon most authorize the amount and timing of each payment. For yrntc protection, we vvn71 osk for security information. A fee may attply for expedited service. To rancal, call us lrefnre tfka scheduled Iutvment date. Samo-day txivments camtoi Exl edited or ccmcsled. YOUR CREDIT LINES The Total CreditLine is the amount of cmdit available for the account; however, otilv n portion of that is av(ilable for Bank CashAdvancec. The Cash Gtedit Line is that amount yon have available for Bank Cash Advances. Generally, Bank Cash Adrutces cnnsisE of A77t1 Caslt Advances, Orerthe Counter (OTC) Cash Advances, Same-Da~POallae Cash Advances, Overdraft Protection Cash Advances, Cash F.quita)ont_a, Returned Payments, and applicable transaction fees. MISCELLANEOUS "PromoEionnl Rate RndDato: This date is ba.4ed on afutnre statement cl~singdate. if you change your payment doe dole, tins date could change. Transactions must meet coffer conditittos in anler to goalifq for the promotional rate. Por Ute tromplete tents and cronditiofs ofy~~rarcount, eottsaltyrour Credit Garcl Agreemon6 F1A Card Services is a tradename of FIA Card Services. N.A.7`his account isissuedandaclministerudbyFlACa:R19wRia;s,N 4, Ifyourb'tllingaddress orcontactinformation has changed, or if Yonraddre~s is incotTect as it appears on this bill, please provide all correcti ono hero. Adclress I _ Address 2 .-._..,..__._.._....... Cilvr _ State _ _-- Area Cale & Home Phone _ .... _. . AreaC(rle Work P)wne 7.iP_-._._._ BankofAmerica ~ 9~ 4427 1000 2742 3446 October 20 - Navernber 17, 2011 Page 3 of 4 r Your Annual Peruntage Rate (APR) is the annual interest rate on your account. Annua! Promotional Promotional Promotional Balance Interest Percentage Transactbn OfferlD Rate Ent! Subject to Cher~es by Rate Type Dwte Interest Transactbn Purchases 7.908 Rate '(ype Balance Transfers 7.908 $2,646.38 $16.61 Direct Deposit and Check Cash 8.758 $ 0.00 $ 0.00 AdvanCx9 $ 0 00 $ 0.0~ Bank Cash Advances 8.758 $ 0.00 $ 0.00