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HomeMy WebLinkAbout08-27-15 Court of Common Pleas of Cumberland County ORPHANS' COURT DIVISION 510 ESTATE OF Winifred Farner(aka Winifred I Farner ,, De=0263 No.21-2015-0529 Revolving open end credit card account# Notice of claim by Wells Fargo Bank, N.A., Successor in Interest to Wachovia Bank filed pursuant to Section 3532(b)(2), of the PEF code. c , 3: p C-1 To the Clerk of the Orphans' Court: p rn Enter the claim of Wells Fargo Bank, N.A., Successor in Interest to Wachovia Bank in" " =M' (Claimant) T, o the amount of $9,687.73 , against the above entitled estate. rn cl) o The decedent, who resided at 113 Rosemont Ave New Cumberind, PA 17070 -r' (Street Address) Cumberland, died on September 1, 2014 Written notice of said claim was given (Date) to Attorney Thomas A Beckley , if known to claimant, (Personal representative, or his counsel) Estate of Winifred Farner(aka Winifred I Farner) PO Box 11998 Harrisburg, PA 17108 on (Address) f{vf�J't I�tort' (Date) Wells Fargo Bank, N.A., Successor in Interest to Wachovia Bank (Claimant) PO Box 3696 MAC P6053-021 Portland, OR 97 (18 (Addr ss) N/A M- (Claimant's Counsel) (Address) WELLS FARGO • VISA Account Number Ending in 0263 Statement Billing Period 08/2312014 to 09122/2014 Page 1 of 2 Balance Summary Previous Balance $10,077.74 24-Hour Customer Service: 1-800-642-4720 —Payments $400.00 TTY for Hearing/Speech Impaired: 1-800-419-2265 —Other Credits $0.00 Outside the US Call Collect: 1-925.825-7600 Wells Fargo Online®: wellsfargo.com + Cash Advances $0.00 + Purchases,Balance Transfers& $9.99 Other Charges Send General Inquiries To: + Fees Charged $0.00 PO Box 10347,Des Moines IA,50306-0347 + Interest Charged $82.48 = New Balance $9,770.21 Total Credit Limit $21,300 Total Available Credit $11,529 Payment Information New Balance $9,770.21 Send Payments To: Minimum Payment $181.00 PO Box 6412,Carol Stream IL,60197-6412 Payment Due Date 10/17/2014 Late Payment Warning: If we do not receive your Minimum Payment by 10/17/2014,you may have to pay a late fee up to$35. Minimum Payment Warning: If you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: If you make no additional charges using You will pay off the New Balance shown on And you will end up paying an this card and each month you pay... this statement in about... estimated total of... Only the minimum payment 34 years $17,565 $11,349 $315 3 years (Savings of$6,216) If you would like information about credit counseling services,refer to www.usdoj.gov/ust/eo/bapcpa/Ccde/cc_approved.htm or call 1-877-286-2108. Wells Fargo Rewards®Program Summary Rewards Balance as of: 08/31/2014 20,878 Rewards Balance Expiring as of: 09/30/2014 75 Rewards Balance Expiring as of: 10/31/2014 202 The Rewards Balance is for Rewards ID 60007001654. This balance may be inclusive of other contributing Rewards accounts. For up-to-date Rewards Balance information,or more ways to earn and redeem your rewards,visit MyWellsFargoRewards.com or call 1-877-517-1358. Transactions Trans Post Reference Number Description Credits Charges Payments 08/23 08/23 7407221KW23ZPJ533 PAYMENT THANK YOU 400.00 TOTAL PAYMENTS FOR THIS PERIOD $400.00 Purchases,Balance Transfers&Other Charges 09/01 09/01 2446539L468DXE0JV WF`CPP PURCH SHIELD MBRT888-872-55261A 9.99 TOTAL PURCHASES,BALANCE TRANSFERS&OTHER CHARGES FOR THIS PERIOD $9.99 Fees Charged TOTAL FEES CHARGED FOR THIS PERIOD $0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Continued `► 5596 YRG 1 7 15 140922 0 PAGE 1 of 2 1 0 5299 1000 WOxG OIDP5596 Detach and mail with check payable to Wells Fargo Account Number —0263 New Balance $9,770.21 Minimum Payment $181.00 Payment Due Date 10/17/2014 YKG 125 Amount Enclosed IIIA'I�III11'ILII'I111�1���1"11"�IIII'�"'��'II�IIr�r�r�llllr�l WINIFRED FARMER WELLS FARGO CARD SERVICES 113 ROSEMONT AVE PO BOX 6412 NEW CUMBERLND PA 17070.2050 CAROL STREAM IL 60197.6412 ' 'I�IIII��I�I���'Irrrll�lir�III��I�rl���ll�l"II�I�I�Ililll�ll�l Check here and see reverse for address and/or phone number correction. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Billing Rights Summary.If you believe your bill Is wrong(an"Error),or n you need more information about a transaction on your bill,write to us on a separate sheet of paper as soon es possible at: P.O.Box 522,Des Moines,IA 50306-0522.We must hear from you no later than 60 days atter we sent you the first bill on which the Error appeared.You may notify us using other means(Including calling us at the number listed on the front of the statement),but doing so will not preserve your rights. In your letter(a"Written Noticel,provide the following information: Your name and account number. • The date and dollar amount of suspected Error. • Description of the Error and why you believe there Is an Error.11 you need more Information,please describe the Item you are not sure about. You do not have to pay any alleged Error amount while we are investigating,but you are still obligated to pay the parts of your bill that are not part of the alleged Error amount.While we investigate,we cannot report you as delinquent or take any action to collect the alleged Error amount.If you have authorized us to pay your credit card bill automatically from your 6avlr�gs or checking account you can stop the payment on any amount you believe Is an Error.To stop the payment,your Written Notice must reach us three(3)business days before the automatic payment Is scheduled to occur. Special Rule for Credif Card Purchases:If you have a problem with the quality of goods or services you purchased with a credit card,and you have tried In good faith to correct the problem with the merchant you may not have to pay the remainingg amount due on the goods or services.You have this protection only when the purchase price was more than$50 and the purchase was made In your home sta{e or wahin 100 miles of your mailing edtlress and you have not edict the balance of the disputed charge.1f we own or operate the merchant,or If we mailed you the advertisement?or the property or services,all purchases are covered regardless of anwuM or location of purchase. Credit Information.NOTICE:We may furnish Imormetlon about your account to consumer reporting agencies.You have the fight to dispute the accuracy of Information that we have reported by writing to us at P.O.Box 14517,Des Moines,IA 50306-3517 and describing the specific information that Is inaccurate or In dispute and the basis for any dispute with supporting documentation.In the case of Information that you believe relates to an Identity theft you will need to provide us with an Identity theft repon. Payments."Conforming Payments"are payments mailed using the enclosed envelope and payment coupon to the payment address specified on the statement or,generally,made via the"Transfers"tab or'Make a Payment"link on the credit card Account Activity tab of Wells Fargo Online Bankinrgg at vmw.wellsfargo.comConiorming Payments received via mall by 5:00 p.m.will be credited as of the date of receipt.Conforming Payments received after 5:00 p.m will be credited as of the next day.Cut-off times for Conforming Payments made via our Web site will be disclosed at the time of the transaction. "Non-Conforming Payments"are payments made by any other means and may not receive credit for up to five days alter the date o1 receipt.Non-Conforming payments Include,but are not limited to, placing the provided envelope and payment coupon In another envelope. Nof/ce About Electronic Check Conversion:When you provide a check as payment,you authorize us either to use Information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction,When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as on as the same day we receive your payment,and you will not receive your check back from your financial Inso stitutlon. Payment In Full for Less Than Amount Balance Request If you intend to pay your account in full with an amount less man the total owed on your account you must send your request to us at:P.O.Box 10311,Des Moines,IA 50306-0311.Such paymentswll not iwharge yourfu l debt. How We Calculate Your Balance We use a method called"average dally balance(Including new purchases)".For more Iniormatlon regarding this calculation,please call our toll-free Customer Service number located on the front of this statement. How to Avoid Paying Interest on Purchases Your Payment Due Date Is at least 25 days atter the close of each billing period.We will not charge you Interest on purchases if you pay your entire balance by the due date each month.We will begin charging interest on cash advances and balance translem on the transaction date. Secured Accounts.For Secured amounts,your credit card account Is secured by a pledge of your Secured Card Collateral Account with Wells Fargo Bank,N.A.,established In connection with your appllcatbn for the card.You agree that this pledge includes and gives the right to Bank to redeem,collect and withdraw any part or the full amount of the Secured Card Collateral Account upon any default under your Secured credit card agreement,or in the event your Secured credit card agreement is terminated by Bank for any reason.This pledge is given as a security interest for any and all amounts you owe,Including Interest,tees and costs which may accrue under your Secured credit card account.You agree that 11 your Secured credit card account Is closed for any reason,the bank may apply funds In the Secured Card Collateral Account to payoff any balance on the credit card account.If there are still funds remaining In the Collateral Account after doing so,these funds Ray remain on deposit for up to 60 days before being remitted to you. Customer Service Monitoring.Some calls between bank employees and our customers may be monitored and recorded by supervisors to ensure quality of service. INFORMAC16N IMPORTANTE SOBRE SU CUENTA Resumen de DereehOs de Facturacl6n.SI tree qua hay aigan error an su estado de cuenta(un'Error),o sl necesfta mils Inlormacidn sobre una transambn qua aparece an su estado de cuenta,por favor escdbanos an una note separada tan pronto tomo Is sea poslble,a to slgulente direceldn:P.O.Box 522,Des Moines,IA 50306-0522.Debs comunicame con nosotros dentro de un lapso de 60 dfas de la loon en qua le hayanas envlado el primer estado de cuenta an qua apareci6 el Error.Puede comunbame con nmotros por otros medics(b qua incluye Ilamarnos at namero qua aparece an el frente del estado de cuenta)pero at hacerlo no preservafe sus derechos. En su cana(una'Notificac16n por Eaafto"),por favor Incluya Is slgulente Informad6n: • Su nombre ynamero de cuenta. • La fecha y el monto an d6lares tlei Error del qua sospecha. • Una descripel6n del Error y Is raz6n por to coal usted Gree qua as un Error.SI necesha mos Informad6n,por favor describe el flem del qua no esta seguro. No bene quo pager el monto del supussto Error mientras to investlguenas,pero seguira obligado a pager las portiones del saldo de su cuenta quo no formen parte del monto del supuesto Error. Mlenlras investig9uemos,no podremm reportarlo an collided de deudor moroso,nl tomar merRdes para cobrar at monto del supuesto Error.SI nos he autorizado a pager su cuenta de tarleta tle credito de m ram automatica doodle su cuenta de cheques o tle ahorros,puede suspender el pago por cualquler pronto qua ores qua es un Error.Para suspender el pago,su NotBkacidn por Escrito dabs Ilegarnos tres(3)dies habiles antes del dia en qua este programado el pago auto lice. Reggia Especia/pam Compos con Toilets de Credito:Si usted flans algin problema con Is calidad de be blenes o sendclos que adquiri6 con una terata de credito,y he intentado de buena Is resolver at mmP me con el comerclante,quina no tongs saue pager el monto restante atleudado por los blenes o servbice.Usted cuenta oon este protection so�amente sl at precio de comps superb a los S50 y to compra lue reatlzada en el estado en que resld6 o a una distends no superior a 100 minas de su direco tin postal,y stempre qua m hays pagado el saldo del cargo an disputa SI somos los propietarlos u operadores de dicho comerclo,o sl le enviamos por correo un anuncb publtc tarlo de los blenes o servlclos,todas las compras estan cubiertas,sin importar el monto o lugar tle la compra. Informael6n de Cr6dit0.AVISO:Podremos dar Informacl6n sobre su cuenta alas agencias de informal sobre consumldores.Usted tiene el dwmho a cuesboner Ia exactitud tle la informacl6n mpoftada por nosotros al escrlbir a la slguiente dlreccl6n:P.O.Box 14517,Des Moines,IA 50306-3517.En su carte,debate demi-blr Is Informacl6n especifice qua sea nexacta o an disputa,y ' Iundamentar cualquler disputa con documental de respaldo.SI considers que se trate tle Intormacl6n relacionada con at robo de Identldad,deberd enviarnos una den mcia de robo de identidad conespond(ente. Pagos.Los"Pagos an Conlormldad"son pagos enviados con el sobre adlunto y talon de pago a la direcci6n de pago especlfbada an el estado de cuenta o an general a troves de Is fiche"Transfers" (( to disponible an ingles)o"Make a Payment"en la fiche'Amount Activity'(win disponible an inggles)de las servicios bancarios por Internet de Wells Fargo an wvnv.wetisfa m.Los Pagos an Contormidad redbidos por cornea a mils forcer a las 5 p.m.seran acreeftadoo a Is fecha de su reclbo.Los Pagos an Conlormldad reelbldos despuas de las 5 p.m.saran aeretlitacm a1 do syuleMe.Las hones de limits para Pagos an Conformlead realizados a travel de nuestro silo Web serdn reveladas at momento de Is transawl6n.Los'Pagos an Incumplimlento"son pagos efectuados por cualquler otro medlo y es poslble,qua no reclban credro dumnte haste 5 Was despuas do Is fecha de reclbo.Los Pagos an Incumplimlento Incluyen,sin Ilmftacl6n,poner el sobre proporclonado y talion de Pago an oiro sobre. Aviso Sobte Convers/dn de Cheques Efeefnfn/cos:At Propofcionar un cheque tomo forma tle pago,usted nos do su autorizwldn para utillzar Is informacl6n tle su cheque a fin de mallzar una sola transterencia eleotr6nica de su cuenta o procmar el pago tomo una tmnseccl6n de cheque.Cuando nceotro5 usamos la Intormacl6n de su cheeqque para realllar una transferencla electr6nlCa de tondos, Jos mismos podran ser retirados de su cuenta tan rdpido tomo el mismo dfa an qua redbamos su pago,y su Instituddin 11nanclera no Is regresar8 su cheque. Pago Total pot on Monto inferior al Santo de to Cuenta:Si usted plena Ilquldar Is totalidad del saldo de su cuenta por un monto Interior at monto total atleudado an su cuenta,debars enviarnos su sollcaud a la siguiente direcci6n:P.O.Box 10311,Des Moines,IA 5030&0311.Dichm pagos no conmiaran la totalidad de su deuda. C6mo Calculamos Su Saldo.Usamos un matodo denominado"saldo dlarto promedio(Incluyendo nuevas compras)".Para mils Informacidn acerca de este calculo,Dor favor Items a nuestro namerogratuilo de Servbio at Cuenta indicado at frente tle sate estado de cuenta. C6mo EVitar Pagar Intereses sobreCompme.La Feche de Venctmiento tlei Pago as at mends 25 dfas despuas del cierre de coda perlodo defacturacl6n.No cargaremos intereses sobre las compras sl usted page Is totalidad de su saldo a mos larder an Is teens de venclmlento de code mes.Comenzaremos a cargar interese,sobs adelantos an efectivo y transferencias tle saldo a Is techs de transaction Cuentas Garantizadas.Para Cuemas Garantizadas,su cuenta tle taffeta de cradtto este garantizada por Is entrega an prance de su Cuenta Colateral its la Toilets Garantizada de Wells Fargo Bank N.A.,eslableclda an relacidn con au sollcitud de Is lariats,Usted convlene an qua este entrega an pence incluye y do at Banco at derecho a redlmif,cobrar y rather cualquler parte o to lolaliaad del monto deposftado an Is Cuenta Colateral de la Tarjeta Garantizada en mso de cualquier acto de incumplimiento bajo su convenio de to mrjeba de cred'ko gammizada,o en case de que dicho comenio sea terminado por el Banco,ppor cualquier motNo.Esta prende se entrega tomo garanda tle cads uno y todos los mafttos qua usted adeude,incluidos los intereses,cuctas y mstos qua puedan acumularse bajo su Cuenta de Tarjeta de Credito Garantizada.Used este de acuerdo an quo si w Cuenta de Tarjeta de Credito Garantu ada se cierra por cualquier raz6n,at Banco podra splicer los tondos mantenidos an Is Cuenta Colateral tle la Tarjeta Garantizada para liquidar cualquier saldo an Is cuenta de taheta de credito.Si despuas de hacerlo aan quedon fondos an Is Cuenta Colateral, dichos tondos podran permanecer an dep6sao durente haste 60 dfas antes de qua seen mmibdos a usted. Monitoreo del Servieio of Clients.Algimas Ilamadas entre los empleaeos del banco y nuesiros clientes pueden ser monloneadas y gmtiadas por Its supervlsores para asegurar la caudae del servbio. 01 DP5596-8 0624/2014 O 2014 Wells Fargo Bank,N.A.All rights reserved.Todos los derechos msernados. Change of Address Form—It your address has changed,provide your complete new address below.Be sure to check box on reverse side of coupon and enclose in the envelope provided. Please use this section only for address changes. If you have any questions,please call the toll-free customer service number on the front of this statement. Formu lario de Camblo de Dlrecci6n—Si out direcci6n he cambiado,proporcione su nueva direcci6n completa abajo.Aseggrese de indicar el cuadro at dorso del cuptin y adjantelo an el sobre arl For favor use este sacci6n solamente para cambios de direcci6n.Si tiene preguntas,por favor Items at namero de Servicto at Clients at inerts de este estado tle cuenta. ACCOUNT � ACCOUNT FRST LAST IF NAME NAME ."R.w. •.,....� c ` .., .... NEW -TT STREET STREET � 1 F ADDRESS PO BOX/ «� S � �� 1 APT 4 �-.... .,�.-»�w.,,.•.,.R r ,.�5.,,,"....,2�.:. .. «.�..k.. - .•.,w.. «.�.,. �-.�..:...... ...:n ETLIP STATs � D ,....,,ra,.. a HOME x WORK x s { PHONE aa E ti x PHONE { a•,:� .,> L�L.» .. ..�,wx .... .,. WELLS FARGO • VISA Account Number Ending in 0283 Statement Billing Period 08/23/2014 to 09/22/2014 Page 2of2 Transactions(Continued...) Trans Post Reference Number Description Credits Charges Interest Charged INTEREST CHARGE ON PURCHASES 82.48 INTEREST CHARGE ON CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD WAS 2014 Totals Year-to-Date TOTAL FEES CHARGED IN 2014 $95.00 TOTAL INTEREST CHARGED IN 2014 $787.64 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Annual Percentage Balance Subject to Days in Type of Balance Rate(APR) Interest Rate Billing Interest Charge Cycle PURCHASES 9.99% $9,724.67 31 $82.48 CASH ADVANCES 21.15% $0.00 31 $0.00 Happy 0 anniversary M_om This month marks the anniversary of the opening of your In Wells Fargo Credit Card account,and we thank you for your business.We look forward to providing you with the benefits of a Wells Fargo Credit Card for years to come. Learn more about the benefits of your Wells Fargo Credit Card. Go to wellsfargo.com/creditcard I — ©2014 Wells Fargo Bank NA All rights reserved.Member FDIC.ECG-1101000 5596 YKG 1 7 15 140922 0 PAGE 2 of 2 1 0 5299 1000 WOKG OIDP5596 Wells Fargo Bank,N.A. Successor in Interest to Wachovia Bank MAC P6053-021 P.O.Box 3696 Portland.OR 97208 July 21, 2015 County Courthouse Clerk of the Court a r r7 �fft, Cumberland , a C-= c� 1 Courthouse Square r`� Carlisle,PA 17013r\-) "r r _23 ►- c� ►—� � rra r°- Subject: Creditor's Claim for account number XXX 0263 Estate of Winifred Farner(aka Winifred I Fanner) Case No. 21-2015-0529 Balance $9,687.73 To Whom It May Concern: Enclosed is our creditor's claim. Please stamp and return a copy of our filed claim in the enclosed, pre-paid envelope. Any of our representatives can help you at 1-855-293-7530, Monday through Thursday, from 8:00am to 5:00pm Pacific Time and Friday from 8:00am to 4:30pm Pacific Time. Sincerely, CJ1___1__ — Deceased Management Department Wells Fargo Bank,N.A. Successor in Interest to Wachovia Bank CC: Attorney and/or Personal Representative for the Estate The laws of some states require us to inform you that this communication is an attempt to collect a debt and that information obtained will be used for that purpose. ProOmO l Mlkev:03/15