Preview
Filing # 97943251 E-Filed 10/28/2019 10:50:34 AM
IN THE CIRCUIT COURT OF
THE FIFTH JUDICIAL CIRCUIT
IN AND FOR MARION COUNTY, FLORIDA
CASE NO:
Bank of America, N.A.,
Plaintiff,
COMPLAINT FOR DAMAGES
vs. ATTORNEY BAR NO: 498467
ALAN J APFELBAUM,
Defendant.
/
Plaintiff Bank of America, N.A. complains of Defendant, ALAN J APFELBAUM, and
would respectfully show the following:
JURISDICTION
1. This is an action for damages that are within the jurisdictional limits of this court
exclusive of costs.
SERVICE
Qs Defendant may be served at the address listed on the court summons.
VENUE
3. Venue of this action is proper in the county named above because the Defendant
is a resident of this county.
FACTS
4. Plaintiff is a national banking association organized and existing under the laws
of the United States of America and having its principal place of business in Charlotte, North
Carolina.
5. Bank of America, N.A. (“BANA”) is a wholly-owned subsidiary of Bank of
America Corporation and the successor-in-interest to FIA Card Services, N.A., formerly known
Electronically Filed Marion Case # 19CA002375AX 10/28/2019 10:50:34 AMas MBNA America Bank, N.A. (“FIA”). FIA was merged into and under the charter and title of
BANA effective October 1, 2014.
6. Defendant applied for and received a credit account, which is owned and
administered by Plaintiff (the “Account”). Defendant used or authorized the use of the Account
for the acquisition of goods, services, balance transfers or cash advances.
7. Defendant failed to make periodic payments as required and the Account was
subsequently charged-off. The entire balance on the Account is owed to Plaintiff and is
presently due and payable in full.
8. The current Account balance is $27,549.28, which includes any applicable
payments, credits, fees and interest as per the underlying agreement.. The Account is not
accruing post charge-off interest.
9. In accordance with federal regulations, monthly periodic statements for the
Account have been provided to the Defendant. Attached hereto and incorporated herein are
copies of periodic account statements provided to Defendant prior to charge-off. Based on
Plaintiff's records, there are no unresolved billing disputes related to the Account.
ACCOUNT STATED
Plaintiff realleges paragraphs | - 9 as though fully stated herein.
10. Plaintiff asserts that Defendant’s use of the credit account to purchase goods and
services represented a periodic account, for which Plaintiff generated regular monthly
statements.
1l. By submitting the payments in response to the statement generated and provided
by Plaintiff, the Defendant has accepted the resulting balance including any fees and interest
incurred.12. There are no unresolved billing disputes made in response to receiving the
account statements and, therefore, there is a prima facie case establishing the correctness of the
account balance. See, Farley v. Chase Bank, USA, NA, 37 So. 3d 936 (Fla. 4" DCA 2010).
13. Defendant is liable to Plaintiff for the account balance of $27,549.28. Plaintiff
seeks judgment for such sum and court costs.
CONDITIONS PRECEDENT
14. Through its undersigned attorney, Plaintiff has demanded payment from
Defendant, but Defendant has not satisfied such demand. Plaintiff has performed all conditions
precedent to the filing of this action, or all such conditions precedent have occurred.
WHEREFORE, premises considered, Plaintiff prays that Defendant be summoned to
appear, and that upon entry of default or final hearing, Plaintiff have judgment against Defendant
for:
a. $27,549.28, which is the balance due on the credit account; and
b. all costs of court.
Respectfully submitted,
Andreu, Palma, Lavin & Solis, PLLC
Attorneys for Plaintiff
815 NW 57th Avenue, Suite 401
Miami, FL 33126-2363
Tel. (305) 631-0175
Fax. (305) 631-1816
E-mails: pleadings2@andreupalma.com;dandreu@andreupalma.com
By: (ef Descres Wh Lawin
( ) Juan G, Andreu, Esq. FBN 0173060
( ) Jorge L. Palma, Esq. FBN 0597708
(y¢ Desiree M. Lavin, Esq. FBN 498467
( ) Yulexy Solis Garcia, Esq. FBN 91230
( ) Monique Pardo, Esq. FBN 104458
19-13035Bankof America
CASH REWARDS
ALAN J APFELBAUM
6883 SW 117TH ST
OCALA FL 34476-3620
Account Summary
Bankof America
Previous Balance $25,813.31
Payments and Other Credits -$258.00
Purchases and Adjustments $0.00
Fees Charged $0.00
Interest Charged $0.00
New Balance Total $25,555.31
Total Credit Line $26,600.00
Total Credit Available $1,044.69
Cash Credit Line $8,200.00
Portion of Credit Available
for Cash $1,044.69
Statement Closing Date 07/19/2018
Days in Billing Cycle 30
AUTO PAY ACTIVE - Your payment of $255.00 will be
automatically deducted on August 16, 2018.
Customer Service Information:
www.bankofamerica.com
1.800.421.2110
TTY: 1.800.346.3178
Mail billing inquiries to:
Bank of America
P.0. Box 982234
El Paso TX 79998-2234
Mail payment to:
Bank of America
P.O. Box 851001
Dallas TX 75285-1001
June 20 - July 19, 2018
Acon! i az
Payment Information
New Balance Total $25,555.31
Current Payment Due $255.00
Total Minirnum Payment Due $255.00
Payment Due Date 08/16/2018
Late Payment Warning: If we do not receive your Total Minimum
Payment by the date listed above, you may have to pay a late fee of up to
$38.00 and your APRs may be increased up to the Penalty APR of 29.99%.
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 balance. For exampl
Only the Total
Minimum Payment
$864.00 36 months
$31,104.00
(Savings = $35,841.00)
If you would like information about credit counseling services, call
866.300.5238.
LS ERASER SEES EE Es CEE SER eee
BANK OF AMERICA
P.O. BOX 851001
DALLAS TX 75285-1001
ALAN J APFELBAUM.
6883 SW 117TH ST
OCALA FL 34476-3620
Account Number: aaa mmm
New Balance Total $25,555.31
Total Minimum Payment Due $255.00
Payment Due Date Auto Pay Active 08/16/2018
Enter payment amount
[Dy tek hore fora charge of marie aactess or phone numbers.
Flease provide ail corrections on the reverse side,
Mail this coupon along with your check payable to: Bank of AmericaALAN) APFELBAUM | Account + iMRI MM | June 20 - July 19, 2018
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchases on the next
statement if you pay the New Balance Total in full by the Payment Due Date,
and you had paid in full by the previous Payment Due Date. We will begin
charging interest on Balance Transfers and Cash Advances on the transaction
date.
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and
are compounded on a dally basis. To determine the Interest Charges we
multiply each Balance Subject to Interest Rate by its applicable Daily Periodic
Rate and that result fs multiplied by the number of days in the billing cycle. To
determine the total Interest Charge for the billing cycle, we add the Periodic
Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing
an Annual Percentage Rate by 365.
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to
posted balances. If your account has balances with different APRs, we will
allocate the arnount of your payment equal to the Total Minimum Payment Due
to the lowest APR balances first (including transactions made after this
statement). Payment amounts in excess of your Total Minimum Payment Due
will be applied to balances with higher APRs before balances with lower APRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When
using the optional Pay-by-Phone service, you authorize us to initiate an
electronic payment from your account at the financial institution you designate.
You must authorize the amount and timing of each payment. For your
protection, we will ask for security information. A fee may apply for expedited
service. To cancel, call us before the scheduled payment date. Same-day
payments cannot be edited or canceled.
YOUR CREDIT LINES - The Total Credit Line is the arnount of credit
available for the account; however, only a portion of that is available for Bank
Cash Advances. The Cash Credit Line ts that amount you have available for
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and
applicable transaction fees.
MISCELLANEOUS - Promotional Rate End Date: This date is based on a
future statement closing date, If you change your payment due date, this date
could change. The New Balance Total which appears on this statement is not a
payoff arnount and may be subject to additional interest charges when you pay
in full after your staternent closing date. Please contact the customer service
number located on the front of this statement for a pay-off amount. Virtual
cards are the digital form of your eligible physical credit cards stored within a
digital wallet.
© 2018 Bank of America Corporation
PAYMENTS - We credit mailed payments as of the date received, if the payment is:
(1) received by 5 p.m, local time at the address shown on the remittance portion of your
monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial
institution or a U.S. dollar money order; and (3) sent in the return envelope with only the
remittance portion of your statement accompanying it. Payments received by mail after 5
ppm, local time at the remittance address on any day including the Payment Due Date, but
that otherwise meet the above requirements, will be credited as of the next day. Payments
made online or by phone will be credited as of the date of receipt if made by 5 p.m.
Central. Credit for any other payments may be delayed up to five days, Cash payments
made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid
identification (ID).
No payment shall operate as an accord and satisfaction without the prior written approval
of one of our Senior Officers.
We process most payment checks electronically by using the information found on your
check. Each check authorizes us to create a one-time electronic funds transfer (or process
itasa check or paper draft), Funds may be withdrawn from your account as soon as the
same day we receive your payment. Checks are not returned to you.
IF you have authorized us to pay your credit card bill automatically from your savings or
checking account with us, you can stop the payment on any amount you think is wrong, To
stop payrnent, your letter must reach us at least three business days before the autornatic
payment is scheduled to occur.
(004 - 000 - 000 - 6
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Daily Balance Method (including new Purchases): We calculate
separate Balances Subject to an Interest Rate for Purchases and for each
Introductory or Promotional Offer balance consisting of Purchases. We do this
by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all
the daily balances together; and (3) dividing the sum of the daily balances by
the number of days in the billing cycle.
To calculate the daily balance for each day in this statement’s billing cycle, we:
(1) take the beginning balance; (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) add new
Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
applicable payments and credits. If any daily balance is less than zero we treat
it as zero.
Average Balance Method (including new Balance Transfers and new Cash
Advances): We calculate separate Balances Subject to an Interest Rate for
Balance Transfers, Cash Advances, and for each Introductory or Promotional
Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
(1) calculating a daily balance for each day in this staternent’s billing cycle; (2)
calculating a daily balance for each day prior to this statement’s billing cycle
that had a “Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a
Cash Advance with a transaction date prior to this statement’s billing cycle but
witha posting date within this statements billing cycle; (3) adding all the daily
balances together; and (4) dividing the Sum of the daily balances by the number
of days in this statement’s billing cycle.
To calculate the daily balance for each day in this statement’s billing cycle, we:
(1) take the beginning balance; (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day’s daily balance; (3) add new
Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
applicable payments and credits. If any daily balance is less than zero we treat
it as zero.
To calculate a daily balance for each day prior to this staternent’s billing cycle
that had a Pre-Cycle balance: (1) we take the beginning balance attributable
solely to Pre-Cycle balance (which will be zero on the transaction date of the
first Pre-Cycle balance); (2) add an ammount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) and add only
the applicable Pre-Cycle balances and their related Transaction Fees. We
exclude from this calculation all transactions posted in previous billing cycles.
For the complete terms and conditions of your account, consult your Credit
Card Agreement. This account is issued and administered by Bank of America.
Bank of America is a registered trademark of Bank of America Corporation.
If your billing address or contact information has changed, or if your address is
incorrect as it appears on this bill, please provide all corrections here.
Address 1
Address 2
City
State Zip
Area Code &
Home Phone
Area Code &
Work PhoneALAN) APFELBAUM | Account + iMRI MM | June 20 - July 19, 2018
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
Payments and Other Credits
o7/16 07/16 — PAYMENT DIRECT DEBIT - THANK YOU = 258.00
TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD $258.00
Interest Charged
o7e 07/19 INTEREST CHARGED ON PURCHASES 0.00
7/19 07/19 INTEREST CHARGED ON BALANCE TRANSFERS 0.00
o7e 07/19 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0,00
7/19 07/19 INTEREST CHARGED ON BANK CASH ADVANCES. 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $0.00
Total fees charged in 2018 $0.00
Total interest charged in 2018 $0.00
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Annual Promotional Promotional _ Promotional _Balance Interest
Balance Percentage Transaction Offer ID Rate End Subject to Charges by
Rate Type Date Interest Transaction
Rate Type
Purchases 7.65%V $ 000 S$ 0.00
Balance Transfers T.65%V $ a00 0.00
Promotional APR 0.00% BT KS13-35941 12/19/2018 __$_13,52000_$ 0.00
Direct Deposit and Check Cash 20.74%V $ a0 0.00
Advances
Promotional APR 0,00% CHK, DD. KR34-52568 07/19/2018 __§__12,257.41_$ 0.00
Bank Cash Advances 26.7496 $ 0005 0.00
APR Type Definitions Promotional Transaction Types: BT = Balance Transfer, CHK = Check Cash Advance, DD = Direct Deposit; Daily Interest Rate Type:
V= Variable Rate (rate may vary); APR Type: Promotional APR (APR for limited time on eligible transactions)
important Messages
AUTO PAY ACTIVE - Your payment of $255.00 will be automatically deducted on August 16, 2018.
Page 3 of 4ALAN) APFELBAUM | Account + {MEIN MMM | June 20 - July 19, 2018
Your Reward Summary
.00 BASE EARNED THIS MONTH
74 TOTAL AVAILABLE
VISIT BANKOFAMERICA.COM
Make the most of your
rewards program today!
H=PE
JOIN US IN SUPPORTING SPECIAL OLYMPICS soeciat B% | 58
FOR A MORE INCLUSIVE WORLD AT BANKOFAMERICA.COM/PICKUPHOPE. me
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AC | ARITPHDS
Additional Information
Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online
www.bankofamerica.com. Select your credit card account, click the “Information & Services” tab and then select the “Dispute a transaction”
link under the “Services” section.
Page 4 of 4Bankof America
CASH REWARDS
ALAN J APFELBAUM
6883 SW 117TH ST
OCALA FL 34476-3620
Account Summary
Bankof America
Previous Balance $27,209.82
Payments and Other Credits $0.00
Purchases and Adjustments $0.00
Fees Charged $0.00
Interest Charged $339.46
New Balance Total $27,549.28
Total Credit Line $26,600.00
Total Credit Available $0.00
Cash Credit Line $8,200.00
Portion of Credit Available
for Cash $0.00
Statement Closing Date 02/19/2019
Days in Billing Cycle
31
Customer Service Information:
www.bankofamerica.com
1.800.421.2110
TTY: 1.800.346.3178
Mail billing inquiries to:
Bank of America
P.0. Box 982234
El Paso TX 79998-2234
Mail payment to:
Bank of America
P.O. Box 851001
Dallas TX 75285-1001
January 20 - February 19, 2019
count? TT we
Payment Information
New Balance Total $27,549.28
Current Payment Due $611.00
Past Due Amount $3,477.00
Total Minimum Payment Due $4,088.00
Payment Due Date 03/16/2019
Late Payment Warning: If we do not receive your Total Minimum
Payment by the date listed above, you may have to pay a late fee of up to
$38.00 and your APRs may be increased up to the Penalty APR of 29.99%.
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 balance. For exampl
Only the Total $67,529.00
Minimum Payment
If you would like information about credit counseling services, call
866.300.5238.
LS ERASER SEES EE Es CEE SER eee
BANK OF AMERICA
P.O. BOX 851001
DALLAS TX 75285-1001
ALAN J APFELBAUM.
6883 SW 117TH ST
OCALA FL 34476-3620
Account Number: 5a am
New Balance Total $27,549.28
Total Minimum Payment Due $4,088.00
Payment Due Date 03/16/2019
Enter payment amount
For charge of aadress/phone number, see reverse side,
‘Make your peyment oriine at www.bankofamerica.com or
Mail this coupon along with your check payable to: Bank of AmericaALAN) APFELBAUM | Account + {iMG MM | January 20 - February 19, 2019
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchases on the next
statement if you pay the New Balance Total in full by the Payment Due Date,
and you had paid in full by the previous Payment Due Date. We will begin
charging interest on Balance Transfers and Cash Advances on the transaction
date.
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and
are compounded on a daily basis. To determine the Interest Charges, we
multiply each Balance Subject to Interest Rate by its applicable Daily Periodic
Rate and that result fs multiplied by the number of days in the billing cycle. To
determine the total Interest Charge for the billing cycle, we add the Periodic
Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing
an Annual Percentage Rate by 365.
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to
posted balances. If your account has balances with different APRs, we will
allocate the arnount of your payment equal to the Total Minimum Payment Due
to the lowest APR balances first (including transactions made after this
statement). Payment amounts in excess of your Total Minimum Payment Due
will be applied to balances with higher APRs before balances with lower APRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When
using the optional Pay-by-Phone service, you authorize us to initiate an
electronic payment from your account at the financial institution you designate.
You must authorize the amount and timing of each payment. For your
protection, we will ask for security information. A fee may apply for expedited
service. To cancel, call us before the scheduled payment date. Same-day
payments cannot be edited or canceled.
YOUR CREDIT LINES - The Total Credit Line is the arnount of credit
available for the account; however, only a portion of that is available for Bank
Cash Advances. The Cash Credit Line ts that amount you have available for
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and
applicable transaction fees.
MISCELLANEOUS - Promotional Rate End Date: This date is based on a
future statement closing date, If you change your payment due date, this date
could change. The New Balance Total which appears on this statement is not a
payoff arnount and may be subject to additional interest charges when you pay
in full after your staternent closing date. Please contact the customer service
number located on the front of this statement for a pay-off amount. Virtual
cards are the digital form of your eligible physical credit cards stored within a
digital wallet.
© 2019 Bank of America Corporation
(004 - 000 - 000 - 6
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Daily Balance Method (including new Purchases): We calculate
separate Balances Subject to an Interest Rate for Purchases and for each
Introductory or Promotional Offer balance consisting of Purchases. We do this
by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all
the daily balances together; and (3) dividing the sum of the daily balances by
the number of days in the billing cycle.
To calculate the daily balance for each day in this statement’s billing cycle, we:
(1) take the beginning balance; (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) add new
Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
applicable payments and credits. If any daily balance is less than zero we treat
it as zero.
Average Balance Method (including new Balance Transfers and new Cash
Advances): We calculate separate Balances Subject to an Interest Rate for
Balance Transfers, Cash Advances, and for each Introductory or Promotional
Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
(1) calculating a daily balance for each day in this staternent’s billing cycle; (2)
calculating a daily balance for each day prior to this statement’s billing cycle
that had a “Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a
Cash Advance with a transaction date prior to this statement’s billing cycle but
witha posting date within this statements billing cycle; (3) adding all the daily
balances together; and (4) dividing the Sum of the daily balances by the number
of days in this statement’s billing cycle.
To calculate the daily balance for each day in this statement’s billing cycle, we:
(1) take the beginning balance; (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day’s daily balance; (3) add new
Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
applicable payments and credits. If any daily balance is less than zero we treat
it as zero.
To calculate a daily balance for each day prior to this staternent’s billing cycle
that had a Pre-Cycle balance: (1) we take the beginning balance attributable
solely to Pre-Cycle balance (which will be zero on the transaction date of the
first Pre-Cycle balance); (2) add an ammount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) and add only
the applicable Pre-Cycle balances and their related Transaction Fees. We
exclude from this calculation all transactions posted in previous billing cycles.
For the complete terms and conditions of your account, consult your Credit
Card Agreement. This account is issued and administered by Bank of America.
Bank of America is a registered trademark of Bank of America Corporation.
PAYMENTS - We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion of your
monthly statement; (2) paid with a check drawn in U.S. dollars on a USS. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance
portion of your staternent accompanying it. Payments received by mail after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise
meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 pum, Central, Credit for any
other payments may be delayed up to five days. Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (ID).
No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers.
We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic Funds transfer (or process it as a
check or paper draft}. Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you.
IF you have authorized us to pay your credit card bill autornatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong, To stop
payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur.
Change of Address/Phone number: Online at www.bankofamerica.com
Please do not add any written communication in this space.
ABALAN) APFELBAUM | Account + {iMG MM | January 20 - February 19, 2019
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
Interest Charged
02/19 02/19 INTEREST CHARGED ON PURCHASES 1.54
02/19 02/19 INTEREST CHARGED ON BALANCE TRANSFERS. 94.55
02/19 02/19 INTEREST CHARGED ON DIR DEP&CHK CASHADV 243.37
02/19 02/19 INTEREST CHARGED ON BANK CASH ADVANCES. 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $339.46
Total fees charged in 2019 $38.00
Total interest charged in 2019 $673.68
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account,
Type of Annual Promotional. Promotional Promotional Balance Interest
Balance Percentage Transaction Offer ID Rate End Subject to Charges by
Rate Type Date Interest Transaction
Rate Type
Purchases 8.1590V. $ 222.97 $ 1.54
Balance Transfers 8.15%V $ 13,659.67 $ 94.55
Direct Deposit and Check Cash 21.24%V $ 13,491.07 $ 243.37
Advances
Bank Cash Advances 27.24% $ 0.00. = $ 0.00
APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)
Important Messages
You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due
today. If you've already mailed it, thank you.
Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your
balance under the Total Credit Line. There is no fee for being over your Total Credit Line.
When this statement was created, the account's Credit Line was ina restricted status and not available for use.
Page 3 of 4ALAN) APFELBAUM | Account + {iMG Wm | January 20 - February 19, 2019
Your Reward Summary
.00 Base Cash Back Earned
00 Total Cash Back Available
Additional Information
Make the most of your
rewards program today!
Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online
www.bankofamerica.com. Select your credit card account, click the “Information & Services” tab and then select the “Dispute a transaction”
link under the “Services” section.
Page 4 of 4
Preview
Filing # 97943251 E-Filed 10/28/2019 10:50:34 AM IN THE CIRCUIT COURT OF THE FIFTH JUDICIAL CIRCUIT IN AND FOR MARION COUNTY, FLORIDA CASE NO: Bank of America, N.A., Plaintiff, COMPLAINT FOR DAMAGES vs. ATTORNEY BAR NO: 498467 ALAN J APFELBAUM, Defendant. / Plaintiff Bank of America, N.A. complains of Defendant, ALAN J APFELBAUM, and would respectfully show the following: JURISDICTION 1. This is an action for damages that are within the jurisdictional limits of this court exclusive of costs. SERVICE Qs Defendant may be served at the address listed on the court summons. VENUE 3. Venue of this action is proper in the county named above because the Defendant is a resident of this county. FACTS 4. Plaintiff is a national banking association organized and existing under the laws of the United States of America and having its principal place of business in Charlotte, North Carolina. 5. Bank of America, N.A. (“BANA”) is a wholly-owned subsidiary of Bank of America Corporation and the successor-in-interest to FIA Card Services, N.A., formerly known Electronically Filed Marion Case # 19CA002375AX 10/28/2019 10:50:34 AMas MBNA America Bank, N.A. (“FIA”). FIA was merged into and under the charter and title of BANA effective October 1, 2014. 6. Defendant applied for and received a credit account, which is owned and administered by Plaintiff (the “Account”). Defendant used or authorized the use of the Account for the acquisition of goods, services, balance transfers or cash advances. 7. Defendant failed to make periodic payments as required and the Account was subsequently charged-off. The entire balance on the Account is owed to Plaintiff and is presently due and payable in full. 8. The current Account balance is $27,549.28, which includes any applicable payments, credits, fees and interest as per the underlying agreement.. The Account is not accruing post charge-off interest. 9. In accordance with federal regulations, monthly periodic statements for the Account have been provided to the Defendant. Attached hereto and incorporated herein are copies of periodic account statements provided to Defendant prior to charge-off. Based on Plaintiff's records, there are no unresolved billing disputes related to the Account. ACCOUNT STATED Plaintiff realleges paragraphs | - 9 as though fully stated herein. 10. Plaintiff asserts that Defendant’s use of the credit account to purchase goods and services represented a periodic account, for which Plaintiff generated regular monthly statements. 1l. By submitting the payments in response to the statement generated and provided by Plaintiff, the Defendant has accepted the resulting balance including any fees and interest incurred.12. There are no unresolved billing disputes made in response to receiving the account statements and, therefore, there is a prima facie case establishing the correctness of the account balance. See, Farley v. Chase Bank, USA, NA, 37 So. 3d 936 (Fla. 4" DCA 2010). 13. Defendant is liable to Plaintiff for the account balance of $27,549.28. Plaintiff seeks judgment for such sum and court costs. CONDITIONS PRECEDENT 14. Through its undersigned attorney, Plaintiff has demanded payment from Defendant, but Defendant has not satisfied such demand. Plaintiff has performed all conditions precedent to the filing of this action, or all such conditions precedent have occurred. WHEREFORE, premises considered, Plaintiff prays that Defendant be summoned to appear, and that upon entry of default or final hearing, Plaintiff have judgment against Defendant for: a. $27,549.28, which is the balance due on the credit account; and b. all costs of court. Respectfully submitted, Andreu, Palma, Lavin & Solis, PLLC Attorneys for Plaintiff 815 NW 57th Avenue, Suite 401 Miami, FL 33126-2363 Tel. (305) 631-0175 Fax. (305) 631-1816 E-mails: pleadings2@andreupalma.com;dandreu@andreupalma.com By: (ef Descres Wh Lawin ( ) Juan G, Andreu, Esq. FBN 0173060 ( ) Jorge L. Palma, Esq. FBN 0597708 (y¢ Desiree M. Lavin, Esq. FBN 498467 ( ) Yulexy Solis Garcia, Esq. FBN 91230 ( ) Monique Pardo, Esq. FBN 104458 19-13035Bankof America CASH REWARDS ALAN J APFELBAUM 6883 SW 117TH ST OCALA FL 34476-3620 Account Summary Bankof America Previous Balance $25,813.31 Payments and Other Credits -$258.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $0.00 New Balance Total $25,555.31 Total Credit Line $26,600.00 Total Credit Available $1,044.69 Cash Credit Line $8,200.00 Portion of Credit Available for Cash $1,044.69 Statement Closing Date 07/19/2018 Days in Billing Cycle 30 AUTO PAY ACTIVE - Your payment of $255.00 will be automatically deducted on August 16, 2018. Customer Service Information: www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mail billing inquiries to: Bank of America P.0. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 851001 Dallas TX 75285-1001 June 20 - July 19, 2018 Acon! i az Payment Information New Balance Total $25,555.31 Current Payment Due $255.00 Total Minirnum Payment Due $255.00 Payment Due Date 08/16/2018 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38.00 and your APRs may be increased up to the Penalty APR of 29.99%. 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 balance. For exampl Only the Total Minimum Payment $864.00 36 months $31,104.00 (Savings = $35,841.00) If you would like information about credit counseling services, call 866.300.5238. LS ERASER SEES EE Es CEE SER eee BANK OF AMERICA P.O. BOX 851001 DALLAS TX 75285-1001 ALAN J APFELBAUM. 6883 SW 117TH ST OCALA FL 34476-3620 Account Number: aaa mmm New Balance Total $25,555.31 Total Minimum Payment Due $255.00 Payment Due Date Auto Pay Active 08/16/2018 Enter payment amount [Dy tek hore fora charge of marie aactess or phone numbers. Flease provide ail corrections on the reverse side, Mail this coupon along with your check payable to: Bank of AmericaALAN) APFELBAUM | Account + iMRI MM | June 20 - July 19, 2018 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a dally basis. To determine the Interest Charges we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result fs multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Annual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the arnount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (including transactions made after this statement). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment. For your protection, we will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the arnount of credit available for the account; however, only a portion of that is available for Bank Cash Advances. The Cash Credit Line ts that amount you have available for Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date: This date is based on a future statement closing date, If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff arnount and may be subject to additional interest charges when you pay in full after your staternent closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. © 2018 Bank of America Corporation PAYMENTS - We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m, local time at the address shown on the remittance portion of your monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your statement accompanying it. Payments received by mail after 5 ppm, local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 p.m. Central. Credit for any other payments may be delayed up to five days, Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (ID). No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers. We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process itasa check or paper draft), Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you. IF you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong, To stop payrnent, your letter must reach us at least three business days before the autornatic payment is scheduled to occur. (004 - 000 - 000 - 6 CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all the daily balances together; and (3) dividing the sum of the daily balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; (3) add new Purchases, new Account Fees, and new Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. Average Balance Method (including new Balance Transfers and new Cash Advances): We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a daily balance for each day in this staternent’s billing cycle; (2) calculating a daily balance for each day prior to this statement’s billing cycle that had a “Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior to this statement’s billing cycle but witha posting date within this statements billing cycle; (3) adding all the daily balances together; and (4) dividing the Sum of the daily balances by the number of days in this statement’s billing cycle. To calculate the daily balance for each day in this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) add new Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. To calculate a daily balance for each day prior to this staternent’s billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance); (2) add an ammount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. Bank of America is a registered trademark of Bank of America Corporation. If your billing address or contact information has changed, or if your address is incorrect as it appears on this bill, please provide all corrections here. Address 1 Address 2 City State Zip Area Code & Home Phone Area Code & Work PhoneALAN) APFELBAUM | Account + iMRI MM | June 20 - July 19, 2018 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Payments and Other Credits o7/16 07/16 — PAYMENT DIRECT DEBIT - THANK YOU = 258.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD $258.00 Interest Charged o7e 07/19 INTEREST CHARGED ON PURCHASES 0.00 7/19 07/19 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 o7e 07/19 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0,00 7/19 07/19 INTEREST CHARGED ON BANK CASH ADVANCES. 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $0.00 Total fees charged in 2018 $0.00 Total interest charged in 2018 $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Promotional Promotional _ Promotional _Balance Interest Balance Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 7.65%V $ 000 S$ 0.00 Balance Transfers T.65%V $ a00 0.00 Promotional APR 0.00% BT KS13-35941 12/19/2018 __$_13,52000_$ 0.00 Direct Deposit and Check Cash 20.74%V $ a0 0.00 Advances Promotional APR 0,00% CHK, DD. KR34-52568 07/19/2018 __§__12,257.41_$ 0.00 Bank Cash Advances 26.7496 $ 0005 0.00 APR Type Definitions Promotional Transaction Types: BT = Balance Transfer, CHK = Check Cash Advance, DD = Direct Deposit; Daily Interest Rate Type: V= Variable Rate (rate may vary); APR Type: Promotional APR (APR for limited time on eligible transactions) important Messages AUTO PAY ACTIVE - Your payment of $255.00 will be automatically deducted on August 16, 2018. Page 3 of 4ALAN) APFELBAUM | Account + {MEIN MMM | June 20 - July 19, 2018 Your Reward Summary .00 BASE EARNED THIS MONTH 74 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM Make the most of your rewards program today! H=PE JOIN US IN SUPPORTING SPECIAL OLYMPICS soeciat B% | 58 FOR A MORE INCLUSIVE WORLD AT BANKOFAMERICA.COM/PICKUPHOPE. me | / | | | | | | | | | | AC | ARITPHDS Additional Information Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online www.bankofamerica.com. Select your credit card account, click the “Information & Services” tab and then select the “Dispute a transaction” link under the “Services” section. Page 4 of 4Bankof America CASH REWARDS ALAN J APFELBAUM 6883 SW 117TH ST OCALA FL 34476-3620 Account Summary Bankof America Previous Balance $27,209.82 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $339.46 New Balance Total $27,549.28 Total Credit Line $26,600.00 Total Credit Available $0.00 Cash Credit Line $8,200.00 Portion of Credit Available for Cash $0.00 Statement Closing Date 02/19/2019 Days in Billing Cycle 31 Customer Service Information: www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mail billing inquiries to: Bank of America P.0. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 851001 Dallas TX 75285-1001 January 20 - February 19, 2019 count? TT we Payment Information New Balance Total $27,549.28 Current Payment Due $611.00 Past Due Amount $3,477.00 Total Minimum Payment Due $4,088.00 Payment Due Date 03/16/2019 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38.00 and your APRs may be increased up to the Penalty APR of 29.99%. 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 balance. For exampl Only the Total $67,529.00 Minimum Payment If you would like information about credit counseling services, call 866.300.5238. LS ERASER SEES EE Es CEE SER eee BANK OF AMERICA P.O. BOX 851001 DALLAS TX 75285-1001 ALAN J APFELBAUM. 6883 SW 117TH ST OCALA FL 34476-3620 Account Number: 5a am New Balance Total $27,549.28 Total Minimum Payment Due $4,088.00 Payment Due Date 03/16/2019 Enter payment amount For charge of aadress/phone number, see reverse side, ‘Make your peyment oriine at www.bankofamerica.com or Mail this coupon along with your check payable to: Bank of AmericaALAN) APFELBAUM | Account + {iMG MM | January 20 - February 19, 2019 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges, we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result fs multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Annual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the arnount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (including transactions made after this statement). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment. For your protection, we will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the arnount of credit available for the account; however, only a portion of that is available for Bank Cash Advances. The Cash Credit Line ts that amount you have available for Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date: This date is based on a future statement closing date, If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff arnount and may be subject to additional interest charges when you pay in full after your staternent closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. © 2019 Bank of America Corporation (004 - 000 - 000 - 6 CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all the daily balances together; and (3) dividing the sum of the daily balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; (3) add new Purchases, new Account Fees, and new Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. Average Balance Method (including new Balance Transfers and new Cash Advances): We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a daily balance for each day in this staternent’s billing cycle; (2) calculating a daily balance for each day prior to this statement’s billing cycle that had a “Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior to this statement’s billing cycle but witha posting date within this statements billing cycle; (3) adding all the daily balances together; and (4) dividing the Sum of the daily balances by the number of days in this statement’s billing cycle. To calculate the daily balance for each day in this statement’s billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance; (3) add new Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. To calculate a daily balance for each day prior to this staternent’s billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance); (2) add an ammount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. Bank of America is a registered trademark of Bank of America Corporation. PAYMENTS - We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion of your monthly statement; (2) paid with a check drawn in U.S. dollars on a USS. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your staternent accompanying it. Payments received by mail after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 pum, Central, Credit for any other payments may be delayed up to five days. Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (ID). No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers. We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic Funds transfer (or process it as a check or paper draft}. Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you. IF you have authorized us to pay your credit card bill autornatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong, To stop payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication in this space. ABALAN) APFELBAUM | Account + {iMG MM | January 20 - February 19, 2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Interest Charged 02/19 02/19 INTEREST CHARGED ON PURCHASES 1.54 02/19 02/19 INTEREST CHARGED ON BALANCE TRANSFERS. 94.55 02/19 02/19 INTEREST CHARGED ON DIR DEP&CHK CASHADV 243.37 02/19 02/19 INTEREST CHARGED ON BANK CASH ADVANCES. 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $339.46 Total fees charged in 2019 $38.00 Total interest charged in 2019 $673.68 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account, Type of Annual Promotional. Promotional Promotional Balance Interest Balance Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 8.1590V. $ 222.97 $ 1.54 Balance Transfers 8.15%V $ 13,659.67 $ 94.55 Direct Deposit and Check Cash 21.24%V $ 13,491.07 $ 243.37 Advances Bank Cash Advances 27.24% $ 0.00. = $ 0.00 APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary) Important Messages You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due today. If you've already mailed it, thank you. Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. When this statement was created, the account's Credit Line was ina restricted status and not available for use. Page 3 of 4ALAN) APFELBAUM | Account + {iMG Wm | January 20 - February 19, 2019 Your Reward Summary .00 Base Cash Back Earned 00 Total Cash Back Available Additional Information Make the most of your rewards program today! Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online www.bankofamerica.com. Select your credit card account, click the “Information & Services” tab and then select the “Dispute a transaction” link under the “Services” section. Page 4 of 4