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HomeMy WebLinkAbout13-6654 Supreme Court .o"Tennsylvania «;WR# 30212513 C A Pit SJS CourO° f Common:P, leas For Prothamtan Use Onl 3' C UMBERLAND \\ "' ` ,�` �/� COUntY Docket No: the infbrination collected on this fibrin is used solely for court adminish'ation pitiposes. This Jbi - in does not supplement or replace the filing and service of pleadings or other papers as required b law or rules of court. Commencement of Action: S 13 Complaint ❑ Writ of Summons ❑ Petition E Transfer from Another Jurisdiction Declaration of Takin C DISCOVER BANK Lead Plaintiff's Name: Lead Defendant's Name: T CHRISTOPHER J SERAFIN I 0 Are money damages requested? ® Yes ❑ No Dollar Amount Requested: ® within arbitration limits N (check one) ❑ outside arbitration limits A Is this a Class Action Suit? ❑ Yes 13 No Is this an MDJ Appeal? 13 Yes El No Name of Plaintiff /Appellant's Attorney: William T. Molczan 47437 ❑ Check here if you have no attorney (are a Self- Represented [Pro Sel Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Protection Administrative Agencies ❑ Malicious Prosecution Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E [3 Product Liability (does not include [3 Employment Dispute Mass tort) Discrimination C ❑ Slander/LibeUDefamation ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other: ❑ Other: I ❑ Other: O N MASS TORT ❑ Asbestos B ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - DES ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Toxic Tort — Implant ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment ❑ Toxic Waste ❑ Ground Rent ❑ Mandamus ❑ Other: ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Retraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Waranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: Updated 1/1/2011 F F f E o% O J HONO3xr y u13 N0V 12 AH,10: 50 CUN AND COU14TY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: / 3 U�IY ✓/ V� vs. COMPLAINT IN CIVIL ACTION CHRISTOPHER J SERAFIN Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412 - 338 -7130 30212513 C A Pit SJS OcAt IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff Vs. Civil Action No CHRISTOPHER J SERAFIN 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, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f /k /a Greenwood Trust Company, an FDIC - insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant account, which is the subject of this litigation. 4. Defendant is adult individual(s) residing at 2 PINE RIDGE CIR ENOLA, PA 17025 S. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX0008. 6. Defendant made use of said credit card and has a current balance due of $5081.42. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and /or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, CHRISTOPHER J SERAFIN, INDIVIDUALLY, in the amount of $5081.42 with interest at the statutory rate of 6.00 o per annum from date of judgment and costs. /,�, f7 William T. Molcza 47437 WELTMAN, WEINBER & REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412- 338 -7130 WWR# 30212513 C A Pit SJS This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. ��SC�VER` Discover More Card Account number ending in 0008 Open Date: Jul 11, 2013- Close Date: Aug 10, 2013 Cardmember Since 2012 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFO Previous Balance $4,957.42 New Balance $5 , Payments and Credits — $0.00 Minimum Payment Due ` S911.00 Purchases + $0.00 Payment Due Dote September 5, 2013 Balance Transfers + $0.00 + Includes post due amount of: 5767.00 Cash Advances + $0.00 ' Fees Charged + S35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $89.00 dote listed above, you may hove to pay a late fee of up to $35.00 and your New Balance $5,081.42 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20.99% variable. See Interest Charge Calculation section following the Minimum Payment Warning: If you make only the minimum payment each Transactions section for detailed APR information period, you will pay more in interest and it will take you longer to pay off your Credit Line $4,500 balance. For example: Credit Line Available $0 if yod make no additional chorges You will payoff the And -you will end up . using this card and each month . balance shown on this paying an estimated total Cash Advance Credit Line $2,300 You pay.. statement in about... of..i ' Cash Advance Credit Line Available $0 Only the minimum pay ment 17 years $14,211 You may be able to avoid interest on Purchases. If you would like information about credit counseling services, call 1- 800 - 347 -1121. See reverse for details. REWARDS Contact Us Discover.com Anniversary Month Cashback Bonus® 1- 800 - 347 -2683 March Opening Balance S 0.00 Please make check payable to Discover. You are overlimit. New Cashback Bonus This Period + S 0.00 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period — $ 0.00 overlimit amount of S581.42. Cashback Bonus Balance $ 0.00 To learn more, log in at Discover.com Make Check payable to Discover. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment. Payment Coupon < Pay Online Pay by P h one Account number ending in 0008 Plecise do not Fold, clip or staple. Di © 1- 800.347 -2683 Minimum Payment Due $911.00 11 I' I I I" I I " I I' 111 " I' 111 I' 11 1111 I' I I' I I " I I I I' I I I I I' New Balance $5,081.42 Payment Due Date September 5, 2013 CHRISTOPHER J SERAFIN Amount enclosed $ 2 PINE RIDGE CIR ENOLA PA 17025 -3413 PO BOX 71084 CHARLOTTE NC 28272 -1084 3021i2fi13d Internet payments must be received by 5 PM ET to be credited as of the some day. IIIIIIII' Il. ll�llllll' IIIIII�IIIII��I�lll��lllllll� 'llll1 Address, e-mail or lelephone changed? Note changes on reverse side. 000001986833858151137 ❑50814202000000091100 CAU�Df 1 CHRISTOPHER J SERAFIN Account number ending in 0008 Open Date: Jul 11, 2013 - Close Date: Aug 10, 2013 Page 2 of 4 Important Information You must ensure that sufficient funds are available in your bank account, and See your Cardmember Agreement. Your Cardmember Agreement all transactions must comply with U.S. law. contains all the terms of your Account. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed Lost or stolen cards. Report immediately! Coll 1 -800- 347 -2683. dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar What To Do If You Think You Find A Mistake On Your Statement amount" payment is not enough to cover the Minimum Payment Due as listed If you think there is an error on your statement, write to us at: Discover, PO on your monthly billing statement, your scheduled payment for that month Box 30421, Salt Lake City, UT 84130 -0421. You must write to us within 60 will be increased to cover the Minimum Payment Due. If the scheduled days after the error appeared on your statement. You may call us, but if you Payment is greater than the Minimum Payment Due, any excess will be do we are not required to investigate any potential errors, and you may have applied in accordance with your Cardmember Agreement. If your scheduled to pay the amount in question. The Billing Rights Notice further explains your payment is greater than the New Balance on your billing statement, that rights. Please see your Cardmember Agreement or visit payment will be processed only for the amount of your New Balance. Your htips : / /discover.com /billingrights for a copy of this notice. automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. Payments. You may pay all or part of your Account balanc@ at anY time. If ou enroll b hone in our automatic However, you must pay of least the Minimum Payment Due b the Payment Y P payment service, please fill -in the Due Date. Send only your payment and the bottom portion oihis statement fo lowing blanks below and retain the authorization for your records. in the enveloppe provided. Do not send cosh. If you pay by heck, yo outhorizg@ us to use information on your check to make an electronic Kind Amount: ❑ Full Pay El Min Pay n Min Pay+ $ transfer from our account at the financial institution indicated on your check ; or to process the pa ymeni as a check trg nsaction. If a payment is processed El Amount$ Bank Routing #: as an electronic fund transfer, the transfer will be for the amount of the Bank Account # check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same Monthly on the El Payment Due Date ❑ Close Date day we receive your payment, and you will not receive your check bock from your financial institution. ❑ Day of month (insert date) The processing of your payment may be delayed if you send cash, Credit Reporting. We may report information about your Account to credit correspondence or other items with your payment, if you send the payment to bureaus. Late payments, missed payments, or other defaults on your Account any other address or if you use on envelope other than the one provided. may be reflected in your credit report. We normally report the status and Payments received in proper form at our processing facility by 5PM local time payment history of your Account to credit reporting agencies each month. If on any day will be credited to your Account as of that day. Payments received you believe that our report is inaccurate or incomplete, please write us at the at our processing facility after 5PM local time will be credited to your Account following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. as of the next day. If you have misplaced your envelope, send your payment Please include your name, address, home telephone number and Account to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 number. days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be Paying Interest. Your due date is at least 25 days after the close of each credited as of the day of receipt if made by 5 PM Eastern time. billing period at least 23 d for billing ( days g periods that begin in February). We You can pay your monthly Minimum Payment Due, or a greater amount that will not charge you any interest on Purchases if you pay your entire balance does not exceed your current Account balance, over the telephone or you can by the due date each month. We will begin charging interest on Cash setup automatic payments through a customer service representative by Advances and Balance Transfers as of the later of the Transaction Date or the calling 1- 800 - 347 -2683. Automatic payments for the billing period shown first day of the billing period in which the transaction posted to your Account. on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, How We Calculate Interest Charges. We Use the Daily Balance Method unless you request a recurring payment date (e.g., the 15° day of the month) (including current transactions) to calculate the Balance Subject to Interest that occurs before your Payment Due Date or Close Date. If your scheduled Rate. For more information, please call us at 1- 800 - 347 -2683. payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to Balance Subject to Interest Rate. Your statement shows a Balance Subject schedule monthly payments by telephone, you will need this statement and to Interest Rate. It shows this for each transaction category. The Balance your bank account information. You will be asked to provide the last four (4) Subject to Interest Rate is the average of the daily balances during the billing digits of the social security number of the primary borrower. By providing period. those numbers as your electronic signature, you will be agreeing to this authorization h allow us and your bank Credit Balances. If your Account has a credit balance, the amount is shown , f the f billing deduct each payment you on e front o your ng statement. A credit balance is money authorize, in the amount selected by you, from your bank account. You also Y that is owed authorize us to initiate debit or credit entries to your bank account, as to you. You may make charges against this amount if your Account is open. applicable, to correct an error in the processing of such payment. You can We will send you a refund of any remaining balance of $1.00 or more after cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by mail at 6 months, or as otherwise required by applicable law, or upon request made Discover, PO Box 30421, Salt Lake City, UT 84130 -0421; however, we must to the address in the Contact Us section on page 3 of your billing statement. receive notice at least three business days in advance of the scheduled Discover may monitor and /or record telephone calls between you and payment. If your payments may vary in amount, we will tell you on each Discover representatives for quality assurance purposes. will month billing statement when your payment will be made and how much it The DiscoverO card is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Street Address Home Phone Work Phone City Email 381�ig13 To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VEK Discover More Card Account number ending in 0008 Open Date: Jul 11, 2013 - Close Date: Aug 10, 2013 Page 3 of 4 CONTACT US _ 0 Web Mobile © Phone ® Inquiry Mail Payments Access your Manage your 1- 800 - DISCOVER Discover Discover account securely account anytime, (1 -800- 347 -2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1- 800 - 347 -7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60197 -6103 Transactions Trans. Date Post Date Fees Aug 5 Aug 5 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 25.78 INTEREST CHARGE ON CASH ADVANCES 63.22 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 89.00 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 $ 280.00 TOTAL INTEREST CHARGED IN 2013 $ 555.25 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 15.99% V $1,B98.00 $25.78 Cash Advances 23.99% V $3,102.35 $63.22 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cordmember Agreement or goiowww.discover.com/interesicharges 30212513 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION r L CHRISTOPHER J SERAFIN Account number ending in 0008 Open Date: Jul 11, 2013 - Close Dote: Aug 10, 2013 Page 4 of 4 30212513 VERIFICATION ki Suoia,+ SPSLr\,a1%4 (Name) (T' ) of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he /she is a duly authorized representative of plaintiff herein. Additionally, he /she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC- insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He /she verifies that he /she is authorized to make this verification. As an employee of DB Servicing Corporation, he /she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he /she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. � Dat cy�Z t , Jol s (Signat e DB Servicing Corporation servicing affiliate For Discover Bank SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson j f- T ' 'J ' 110,410T�° +_ Sherifft •rrar�Pic: Jody S Smith 2813'ONI fi Chief Deputy CUM r- Richard W Stewart -k� p ,gg�ttL�+J //t j) COUNT' Solicitor t;3€:FTCE OF M.Stf,E.F:lFF P I f®S�'L V4 Discover Bank Case Number vs. Christopher J Serafin 2013-6654 f SHERIFF'S RETURN OF SERVICE 12/03/2013 02:08 PM - Deputy Brian Grzyboski, being duly sworn according to law, served the requested Complaint & Notice by"personally' handing a true copy to a person representing themselves to be the Defendant, to wit: Christopher J Serafin at 2 Pine Ridge Circle, East Pennsboro, E a, PA 17025. . BRIAN GRZY=•SKI, i/ UTY SHERIFF COST: $61.90 SO ANSWERS, g 1(:" December 05, 2013 RON14. ANDERSON, SHERIFF (c)Cou^tySuito Sheriff.Teleosoft,inc. r IL L .... I HE : O i H0N0 I{- A,t 2 4 1 s JAN 1 3 PM 1: 08 CUMBERLAND COUNTY WELTMAN,WEINBERG & REIS CO., L.P.A. PENNSYLVANIA BY: Matthew D. Urban Attorney for Plaintiff(s) I.D. No. 90963 436 7th Ave Ste 1400 Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File # 30212513 MDU/SJS DISCOVER BANK Cumberland County Court of Common Pleas vs. No.: 13-6654 CIVIL CHRISTOPHER J SERAFIN PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter without prejudice . WELTMAN, WEINBERG& REIS CO., L.P.A. By Matthew D. Urban, Esquire Attorney for Plaintiff 11111111111111111 liii 111 111 11111 11111 11111 11111 11111 11111 liii HIM