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Filing # 194441899 E-Filed 03/20/2024 02:22:36 PM
IN THE COUNTY COURT IN AND FOR BREVARD COUNTY, FLORIDA
CASE NO.:
Bank of America, N.A.
Plaintiff,
vs. COMPLAINT FOR DAMAGES
CHARLES ELBERT MAZON
Defendant.
Plaintiff, Bank of America, N.A., complains of Defendant, CHARLES ELBERT
MAZON, and would respectfully show the following:
GENERAL ALLEGATIONS
This is an action for damages that are within the jurisdictional limits of this court
exclusive of costs.
Venue of this action is proper in the county named above because the Defendant is a
resident of this county
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.
Bank of America, N.A. (“BANA”) is a wholly-owned subsidiary of Bank of America
Corporation and the successor-in-interest to FIA Card Service, N.A., formerly known as
MBNA America Bank, N.A. (“FIA”). FIA was merged into and under the charter and
title of BANA effective October 1, 2014.
Filing 194441899
OAC a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC
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
acquisition of goods, services, balance transfers or cash advances.
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.
The current Account balance is $2,603.92, which includes any applicable payments,
credits, fees and interest as per the underlying agreement. The Account is not accruing
post charge-off interest.
In accordance with federal regulations, monthly periodic statements for the Account have
been provided to the Defendant. Attached hereto and incorporated herein as Exhibit A are
copies of periodic account statements provided to Defendant prior to charge-off. Based
on Plaintiffs records, there are no unresolved billing disputes related to the Account.
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.
COUNT I- ACCOUNT STATED
Plaintiff realleges paragraphs one (1) through nine (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.
11. 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.
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC
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 $2,603.92. Plaintiff seeks
judgment for such sum and court costs.
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
$2,603.92, which is the balance due on the credit account, all costs of court, and all such other
and further relief to which Plaintiff may be justly entitled.
Respectfully submitted,
ANDREU, PALMA, LAVIN, & SOLIS, PLLC
/of Jorge L. Palana, esq. ~ FBN 597708
815 NW 57th Avenue, Suite 401
Miami, FL 33126
Tel: (305)631-0175
Fax: (305)631-1816
Document service e-mail:
eservice@andreupalma.com
2474000578
THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC.
EXHIBIT A
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC
Customer Service information:
BANK OF AMERICA
@* www.bankofamerica.com
1.800.421.2110
P.0, BOX 15284
Mail billing inquiries to:
Bank of America,
WILMINGTON, DE 19850 P.O. Box 672050
Dallas TX 75267-2050
Mail payment to:
Bank of America
P.O. Box 851001
Dallas TX 75285-1001
CHARLES ELBERT MAZON
1130 BOLLE CIR
ROCKLEDGE FL 32955-2646
Account# =
November 10 - December 9, 2023
Account Summary/Payment information New Balance Total $2,603.92
Current Payment Due $87.00
Previous Balance $2,542.23 Past Due Amount: $763.00
Payments and Other Credits $0.00
Purchases and Adjustments $0.00 Total Minimum Payment Due $850.00
Fees Charged $0.00 Payment Due Date 01/06/2024
Interest Charged $61.69
New Balance Total $2,603.92 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
Total Credit Line $2,300.00 $39.00.
Total Credit Available $0.00 Total Minimum Payment Warning: If you make only the Total Minimum
Cash Credit Line $200.00 Payment each period, you will pay more in interest and it will take you
Portion of Credit Available longer to pay off your balance. For example:
for Cash $0.00 if you make -Youwill payoff
the | Andyouwill endup
Statement Closing Date 12/09/2023
Days in Billing Cycle Xd
Bes USI WS Car balance s| wn on Iter
and each moi you _ staternent. abot tot
" only the Total 12 years $5.91 3.00
Minirnum Payment
If you would like information about credit counseling services, call
866.300.5238,
FiliPign4944 4489Me cf your statement for the paynBankr@tAmeerigannN.a. v. Charles Elbert Mazon 05-2024-SC-020923XXSCBO
CHARLES ELBERT MAZON | Account + MMMM) November
10 - December 9, 2023
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchases on the next, CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
statement if you pay the New Balance Total in full by the Payment Due Date, Average Daily Balance Method (including new Purchases}: We calculate
and you had paid in full by the previous Payment Due Date. We will begin separate Balances Subject to an Interest Rate for Purchases and for each
charging interest on Balance Transfers and Cash Advances on the transaction Introductory or Promotional Offer balance consisting of Purchases. We do this
date. by: (1) calculating a daily balance for each day in the billing cycle; (2) adding ali
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and the daily balances together; and (3) dividingthe sum of the daily balances by
are compounded on a daily basis. To determine the Interest Charges, we the number of days in the biiling cycle.
multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance for each day in this statements billing cycle, we:
Rate and that result fs multiplied by the number of days in the billing cycle. To 1) take the beginning balance; (2) add an amount equai to the applicable Daily
determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day's daily balance; (3) add new
Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
an Annual Percentage Rate by 365. applicable payments and credits. If any daily balance is less than zero we treat
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to it as zero,
posted balances. If your account has balances with different APRs, we will Average Balance Method (including new Balance Transfers and new Cash
allocate the amount of your payment equal to the Total Minimum Payment Due Advances): We calculate separate Balances Subject to an interest Rate for
to the lowest APR balances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional
statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
will be applied to balances with higher APRs before balances with lower APRs. 1) calculatinga daily balance for each day in this statement’s billing cycle; (2)
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement’s billing cycle
using the optional Pay-by-Phone service, you authorize us to initiate an that had a “Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a
electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement’s billing cycle but,
You must authorize the amount and timing of each payment. For your with a posting date within this statement’s billing cycle; (3) adding all the daily
protection, we will ask for security information. To cancel, call us before the baiances together; and (4) dividing the sum of the daily balances by the number
scheduled payment date. Same-day payments cannot be edited or canceled. of days in this statement’s billing cycle.
YOUR CREDIT LINES - The Total Credit Line is the amount of credit. To calculate the daily balance for each day in this statement's billing cycle, we:
available for the account; however, only a portion of that is avallable for Bank 1) take the beginning balance; (2) add an amount equal to the applicable Daily
Cash Advances. The Cash Credit Line is that amount you have available for Periodic Rate multiplied by the previous day's daily balance; (3) add new
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash applicable payments and credits. if any daily balance is less than zero we treat
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and it as zero.
applicable transaction fees. To calculate a daily balance for each day prior to this statement’ billing cycle
MISCELLANEOUS - Promotional Rate End Date: This date is based on a that had a Pre-Cycle balance: (1) we take the beginning balance attributable
future statement closing date. If you change your payment due date, this date solely to Pre-Cycle balance (which will be zero on the transaction date of the
could change. The New Balance Total which appears on this statement is not a first Pre-Cycle balance); (2) add an amount equal to the applicable Dally
payoff amount and may be subject to additional interest charges When you pay Periodic Rate multiplied by the previous day's daily balance; (3) and add only
in full after your statement closing date. Virtual cards are the digital form of the applicable Pre-Cycle balances and their related Transaction Fees. We
your eligible physical credit cards stored within a digital wallet. exclude from this calculation all transactions posted in previous billing cycles.
© 2023 Bank of America Corporation
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,
Filing 194441899 Bank Of America, N.: v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC
CHARLES ELBERT MAZON | Account # [EMMI | November
10 - December 9, 2023
Transactions
Transaction Posting Reference Account,
Date Date Description Number Number Amount Total
interest Charged
12/03 12/09 INTEREST CHARGED ON PURCHASES 27.53
12/09 12/09 INTEREST CHARGED ON BALANCE TRANSFERS. 0.00
12/09 12/09 INTEREST CHARGED ON DIR DEP&CHK CASHADV 34.16
12/09 12/09 INTEREST CHARGED ON BANK CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $61.69
Total fees charged in 2023 $390.00
Total interest charged in 2023 $653.77
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 28.24%0V $ 1,186.01 $ 27.53
Balance Transfers 28.24%V 00 S$ 0.00
Direct Deposit and Check Cash 29,99%V $ 1,385.90 $ 34.16
Advances
Bank Cash Advances 29.99% 0.00 $ 0.00
APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)
Important Messages
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.
You can request a copy of this staternent in either Braille or Large Print by calling 800.432.1000 or going to bankofamerica.com and enter
Visually Impaired Access frorn the home page.
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020023-xXSC-BE
CHARLES ELBERT MAZON | Account # MMM) November
10 - December 9, 2023
éEstados de cuenta en espanol? Statements in Spanish?
jPodemos hacerlos para usted! We can do that for you!
Lame al 800.688.6086 0 visite all 800.432.1000, or visit
su centro financiero mas ¢ No, your nearest financial center.
Se aplican ‘ons 2 er ible para cuentas Exclusions apply. Not a te for Comm Merit
Con cial y Peat has press, Private Bank and Smali Busines: 5
Soh-02-23.0631B | 5549117
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020023-xXSC:BE
CHARLES ELBERT MAZON | Account # MMII | November
10 - December 9, 2023
O49 a
BANK OF AMERICA Account Number, i i
P.O. BOX 851001
DALLAS TX 75285-1001 Payment Due Date 01/06/2024
New Balance Total $2,603.92
Total Minimum Payment Due $850.00
CHARLES ELBERT MAZON
1130 BOLLE CIR:
Enter payment amount $
ROCKLEDGE FL 32955-2646
For charge of addtess/phone number, see reverse side,
‘Make your payment oniine at www.bankofamerica.com or
Mail this coupon along with your check payable to: Bank of America
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC.
es
CHARLES ELBERT MAZON | Account # SIEM | November
10 - December 9, 2023
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 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 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 automatically 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.
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC
AB
Customer Service information:
BANK OF AMERICA
@* www.bankofamerica.com
1.800.421.2110
P.0, BOX 15284
Mail billing inquiries to:
Bank of America
WILMINGTON, DE 19850 P.O. Box 672050
Dallas TX 75267-2050
Mail payment to:
Bank of America
P.O, Box 851001
Dallas TX 75285-1001
CHARLES ELBERT MAZON
1130 BOLLE CIR
ROCKLEDGE FL 32955-2646
Accounts =
~ May 9, 2023
Account Summary/Payment information New Balance Total $1,978.73
Current Payment Due 71.00
Previous Balance $2,431.15
Total Minimum Payment Due $71.00
Payments and Other Credits $505.00 Payment Due Date 06/06/2023
Purchases and Adjustments $0.00
Fees Charged $0.00
Interest Charged $52.58
New Balance Total $1,978.73 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
Total Credit Line $2,300.00 $39.00.
Total Credit Available $321.27 Total Minimum Payment Warning: If you make only the Total Minimum
Cash Credit Line $200.00 Payment each period, you will pay more in interest and it will take you
Portion of Credit Available longer to pay off your balance._ For example:
for Cash $200.00 IF you make no additional | Yo I payoff th Andyou will end up.
Statement Closing Date 05/09/2023
ges using this cai balance shown on paying an estimat
Days in Billing Cycle
each month you pay Statel nt in abo total of
Only the Total 3 years $5,645.00
Minimum Payment
$83.00 36 months $2,988.00
(Savings = $2,657.00)
If you would like information about credit counseling services, call
866.300.5238.
O49 a
BANK OF AMERICA Account Number, i i
P.O. BOX 851001
DALLAS TX 75285-1001 Payment Due Date 06/06/2023
New Balance Total $1,978.73
Total Minimum Payment Due $71.00
CHARLES ELBERT MAZON
1130 BOLLE CIR:
Enter payment amount $
ROCKLEDGE FL 32955-2646
For charge of addtess/phone number, see reverse side,
‘Make your payment oniine at www.bankofamerica.com or
Mail this coupon along with your check payable to: Bank of America
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC.
CHARLES ELBERT MAZON | Account * SIMD | Apri 10 - May 9, 2023
(004 - 000 - 000-6
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchases on the next, CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
statement if you pay the New Balance Total in full by the Payment Due Date, Average Daily Balance Method (including new Purchases}: We calculate
and had paid in full by the previous Payment Due Date. We will begin separate Balances Subject to an Interest Rate for Purchases and for each
charging interest on Balance Transfers and Cash Advances on the transaction Introductory or Promotional Offer balance consisting of Purchases. We do this
date. by: (1) calculating a daily balance for each day in the billing cycle; (2) adding ali
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and the daily balances together; and (3) dividingthe sum of the daily balances by
are compounded on a daily basis. To determine the Interest Charges, we the number of days in the biiling cycle.
multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance for each day in this statements billing cycle, we:
Rate and that result fs multiplied by the number of days in the billing cycle. To 1) take the beginning balance; (2) add an amount equai to the applicable Daily
determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day's daily balance; (3) add new
Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
an Annual Percentage Rate by 365. applicable payments and credits. If any daily balance is less than zero we treat
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to it as zero,
posted balances. If your account has balances with different APRs, we will Average Balance Method (including new Balance Transfers and new Cash
allocate the amount of your payment equal to the Total Minimum Payment Due Advances): We calculate separate Balances Subject to an interest Rate for
to the lowest APR balances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional
statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
will be applied to balances with higher APRs before balances with lower APRs. 1) calculatinga daily balance for each day in this statement’s billing cycle; (2)
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement’s billing cycle
using the optional Pay-by-Phone service, you authorize us to initiate an that had a “Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a
electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement’s billing cycle but,
You must authorize the amount and timing of each payment. For your with a posting date within this statement’s billing cycle; (3) adding all the daily
protection, we will ask for security information. To cancel, call us before the baiances together; and (4) dividing the sum of the daily balances by the number
scheduled payment date. Same-day payments cannot be edited or canceled. of days in this statement’s billing cycle.
YOUR CREDIT LINES - The Total Credit Line is the amount of credit. To calculate the daily balance for each day in this statement's billing cycle, we:
available for the account; however, only a portion of that is avallable for Bank 1) take the beginning balance; (2) add an amount equal to the applicable Daily
Cash Advances. The Cash Credit Line is that amount you have available for Periodic Rate multiplied by the previous day's daily balance; (3) add new
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash applicable payments and credits. if any daily balance is less than zero we treat
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and it as zero.
applicable transaction fees. To calculate a daily balance for each day prior to this statement’ billing cycle
MISCELLANEOUS - Promotional Rate End Date: This date is based on a that had a Pre-Cycle balance: (1) we take the beginning balance attributable
future statement closing date. If you change your payment due date, this date solely to Pre-Cycle balance (which will be zero on the transaction date of the
could change. The New Balance Total which appears on this statement is not a first Pre-Cycle balance); (2) add an amount equal to the applicable Dally
payoff amount and may be subject to additional interest charges when you pay Periodic Rate multiplied by the previous day's daily balance; (3) and add only
in full after your statement closing date. Please contact the customer service the applicable Pre-Cycle balances and their related Transaction Fees. We
number located on the front of this statement for a pay-off amount. Virtual exclude from thi calculation all transactions posted in previous billing cycles.
cards are the digital form of your eligible physical crecit cards stored within a
digital wallet.
For the complete terms and conditions of your account, consult your Credit
© 2023 Bank of America Corporation Card Agreement. This account is issued and administered by Bank of America.
Bank of Ameri 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 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 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 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 automatically 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.
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC
AB
CHARLES ELBERT MAZON | Account + MMMM | Apri! 10 - May 9, 2023
Transactions
Transaction Posting Reference Account,
Date Date Description Number Number Amount Total
Payments and Other Credits
04/26 04/26. Online payment from CHK 9859 724) = 505.00
TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD $505.00
interest Charged
05/09 05/09 INTEREST CHARGED ON PURCHASES 24.16
05/09 05/09 INTEREST CHARGED ON BALANCE TRANSFERS 0.00
05/09 05/09 INTEREST CHARGED ON DIR DEP&CHK CASHADV 28.42
05/09 05/09 INTEREST CHARGED ON BANK CASH ADVANCES. 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $52.58
Total fees charged in 2023 $156.00
Total interest charged in 2023 $262.58
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 27.74%V $ 1,059.56, $ 24.16
Balance Transfers 27.74%V $ 0.00 $ 0.00
Direct Deposit and Check Cash 23.74% 1,162.65 $ 28.42
Advances
Bank Cash Advances 29.7 4%V S$ 0.00 $ 0.00
APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)
Filing 194441899 Bank Of America, N.: v. Charles Elbert Mazon 05-2024-SC-020023-xXSC-BE
CHARLES ELBERT MAZON | Account ¢ MMII p71 10 -May 9, 2023
important Messages
You can request a copy of this statement in either Braille or Large Print by calling 800.432.1000 or going to bankofamerica.com and enter
Visually Impaired Access from the home page.
Please see important information entitled “Your Billing Rights” on the following pages.
i rao Do you follow us on social media? lel
Connect with us on Facebook and Twitter
(oe
i
ake for timely information and to learn more
about how to reach your financial goals.
wi ¢ ORC feature certain information is collected fror rm
busine SES,
Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020023-xXSC:BE
CHARLES ELBERT MAZON | Account # MM [April10 - May 9, 2023
eee ee Ly
Ce ty Pore oes Ll tel a sca Se ee Sarat ie a Ce
Co oe Lol lolol ee:
YOUR BILLING RIGHTS
Keep This Document For Future Us:
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there Is an error on your statement, write to us at:
Bank of America
P.O. Box 672050
Dallas, TX 75267-2050
In your letter, give us the following information:
e Account information: Your name and account number.
. Dollar amount: The dollar amount of the suspected error.
° Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
it is a mistake.
Note: It is very helpful if your letter includes the transaction date and the reference number for the charge, if available.
You must contact us:
e Within 60 days after the error appeared on your statement.
e Atleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think
is wrong.
You must notify us of any potential errors in writing or electronically using online or mobile banking. You may call us, but if you
do we are not required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Lette:
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have
already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is
correct.
While we investigate whether or not there has been an error:
We cannot try to collect the amount in question, or report you as delinquent on that arnount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your Total Credit Line.
After we finish our investigation, one of two things will happen:
e If we determine there was a mistake: You will not have to pay the amount in question or any interest or other fees related
to that amount.
Filing 194441899
Preview
Filing # 194441899 E-Filed 03/20/2024 02:22:36 PM IN THE COUNTY COURT IN AND FOR BREVARD COUNTY, FLORIDA CASE NO.: Bank of America, N.A. Plaintiff, vs. COMPLAINT FOR DAMAGES CHARLES ELBERT MAZON Defendant. Plaintiff, Bank of America, N.A., complains of Defendant, CHARLES ELBERT MAZON, and would respectfully show the following: GENERAL ALLEGATIONS This is an action for damages that are within the jurisdictional limits of this court exclusive of costs. Venue of this action is proper in the county named above because the Defendant is a resident of this county 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. Bank of America, N.A. (“BANA”) is a wholly-owned subsidiary of Bank of America Corporation and the successor-in-interest to FIA Card Service, N.A., formerly known as MBNA America Bank, N.A. (“FIA”). FIA was merged into and under the charter and title of BANA effective October 1, 2014. Filing 194441899 OAC a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC 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 acquisition of goods, services, balance transfers or cash advances. 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. The current Account balance is $2,603.92, which includes any applicable payments, credits, fees and interest as per the underlying agreement. The Account is not accruing post charge-off interest. In accordance with federal regulations, monthly periodic statements for the Account have been provided to the Defendant. Attached hereto and incorporated herein as Exhibit A are copies of periodic account statements provided to Defendant prior to charge-off. Based on Plaintiffs records, there are no unresolved billing disputes related to the Account. 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. COUNT I- ACCOUNT STATED Plaintiff realleges paragraphs one (1) through nine (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. 11. 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. Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC 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 $2,603.92. Plaintiff seeks judgment for such sum and court costs. 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 $2,603.92, which is the balance due on the credit account, all costs of court, and all such other and further relief to which Plaintiff may be justly entitled. Respectfully submitted, ANDREU, PALMA, LAVIN, & SOLIS, PLLC /of Jorge L. Palana, esq. ~ FBN 597708 815 NW 57th Avenue, Suite 401 Miami, FL 33126 Tel: (305)631-0175 Fax: (305)631-1816 Document service e-mail: eservice@andreupalma.com 2474000578 THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC. EXHIBIT A Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC Customer Service information: BANK OF AMERICA @* www.bankofamerica.com 1.800.421.2110 P.0, BOX 15284 Mail billing inquiries to: Bank of America, WILMINGTON, DE 19850 P.O. Box 672050 Dallas TX 75267-2050 Mail payment to: Bank of America P.O. Box 851001 Dallas TX 75285-1001 CHARLES ELBERT MAZON 1130 BOLLE CIR ROCKLEDGE FL 32955-2646 Account# = November 10 - December 9, 2023 Account Summary/Payment information New Balance Total $2,603.92 Current Payment Due $87.00 Previous Balance $2,542.23 Past Due Amount: $763.00 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Total Minimum Payment Due $850.00 Fees Charged $0.00 Payment Due Date 01/06/2024 Interest Charged $61.69 New Balance Total $2,603.92 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 Total Credit Line $2,300.00 $39.00. Total Credit Available $0.00 Total Minimum Payment Warning: If you make only the Total Minimum Cash Credit Line $200.00 Payment each period, you will pay more in interest and it will take you Portion of Credit Available longer to pay off your balance. For example: for Cash $0.00 if you make -Youwill payoff the | Andyouwill endup Statement Closing Date 12/09/2023 Days in Billing Cycle Xd Bes USI WS Car balance s| wn on Iter and each moi you _ staternent. abot tot " only the Total 12 years $5.91 3.00 Minirnum Payment If you would like information about credit counseling services, call 866.300.5238, FiliPign4944 4489Me cf your statement for the paynBankr@tAmeerigannN.a. v. Charles Elbert Mazon 05-2024-SC-020923XXSCBO CHARLES ELBERT MAZON | Account + MMMM) November 10 - December 9, 2023 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next, CALCULATION OF BALANCES SUBJECT TO INTEREST RATE statement if you pay the New Balance Total in full by the Payment Due Date, Average Daily Balance Method (including new Purchases}: We calculate and you had paid in full by the previous Payment Due Date. We will begin separate Balances Subject to an Interest Rate for Purchases and for each charging interest on Balance Transfers and Cash Advances on the transaction Introductory or Promotional Offer balance consisting of Purchases. We do this date. by: (1) calculating a daily balance for each day in the billing cycle; (2) adding ali TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and the daily balances together; and (3) dividingthe sum of the daily balances by are compounded on a daily basis. To determine the Interest Charges, we the number of days in the biiling cycle. multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance for each day in this statements billing cycle, we: Rate and that result fs multiplied by the number of days in the billing cycle. To 1) take the beginning balance; (2) add an amount equai to the applicable Daily determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day's daily balance; (3) add new Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing Purchases, new Account Fees, and new Transaction Fees; and (4) subtract an Annual Percentage Rate by 365. applicable payments and credits. If any daily balance is less than zero we treat HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to it as zero, posted balances. If your account has balances with different APRs, we will Average Balance Method (including new Balance Transfers and new Cash allocate the amount of your payment equal to the Total Minimum Payment Due Advances): We calculate separate Balances Subject to an interest Rate for to the lowest APR balances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances. We do this by: will be applied to balances with higher APRs before balances with lower APRs. 1) calculatinga daily balance for each day in this statement’s billing cycle; (2) IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement’s billing cycle using the optional Pay-by-Phone service, you authorize us to initiate an that had a “Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement’s billing cycle but, You must authorize the amount and timing of each payment. For your with a posting date within this statement’s billing cycle; (3) adding all the daily protection, we will ask for security information. To cancel, call us before the baiances together; and (4) dividing the sum of the daily balances by the number scheduled payment date. Same-day payments cannot be edited or canceled. of days in this statement’s billing cycle. YOUR CREDIT LINES - The Total Credit Line is the amount of credit. To calculate the daily balance for each day in this statement's billing cycle, we: available for the account; however, only a portion of that is avallable for Bank 1) take the beginning balance; (2) add an amount equal to the applicable Daily Cash Advances. The Cash Credit Line is that amount you have available for Periodic Rate multiplied by the previous day's daily balance; (3) add new Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash applicable payments and credits. if any daily balance is less than zero we treat Advances, Overdraft Protection Cash Advances, Cash Equivalents, and it as zero. applicable transaction fees. To calculate a daily balance for each day prior to this statement’ billing cycle MISCELLANEOUS - Promotional Rate End Date: This date is based on a that had a Pre-Cycle balance: (1) we take the beginning balance attributable future statement closing date. If you change your payment due date, this date solely to Pre-Cycle balance (which will be zero on the transaction date of the could change. The New Balance Total which appears on this statement is not a first Pre-Cycle balance); (2) add an amount equal to the applicable Dally payoff amount and may be subject to additional interest charges When you pay Periodic Rate multiplied by the previous day's daily balance; (3) and add only in full after your statement closing date. Virtual cards are the digital form of the applicable Pre-Cycle balances and their related Transaction Fees. We your eligible physical credit cards stored within a digital wallet. exclude from this calculation all transactions posted in previous billing cycles. © 2023 Bank of America Corporation 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, Filing 194441899 Bank Of America, N.: v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC CHARLES ELBERT MAZON | Account # [EMMI | November 10 - December 9, 2023 Transactions Transaction Posting Reference Account, Date Date Description Number Number Amount Total interest Charged 12/03 12/09 INTEREST CHARGED ON PURCHASES 27.53 12/09 12/09 INTEREST CHARGED ON BALANCE TRANSFERS. 0.00 12/09 12/09 INTEREST CHARGED ON DIR DEP&CHK CASHADV 34.16 12/09 12/09 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $61.69 Total fees charged in 2023 $390.00 Total interest charged in 2023 $653.77 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 28.24%0V $ 1,186.01 $ 27.53 Balance Transfers 28.24%V 00 S$ 0.00 Direct Deposit and Check Cash 29,99%V $ 1,385.90 $ 34.16 Advances Bank Cash Advances 29.99% 0.00 $ 0.00 APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary) Important Messages 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. You can request a copy of this staternent in either Braille or Large Print by calling 800.432.1000 or going to bankofamerica.com and enter Visually Impaired Access frorn the home page. Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020023-xXSC-BE CHARLES ELBERT MAZON | Account # MMM) November 10 - December 9, 2023 éEstados de cuenta en espanol? Statements in Spanish? jPodemos hacerlos para usted! We can do that for you! Lame al 800.688.6086 0 visite all 800.432.1000, or visit su centro financiero mas ¢ No, your nearest financial center. Se aplican ‘ons 2 er ible para cuentas Exclusions apply. Not a te for Comm Merit Con cial y Peat has press, Private Bank and Smali Busines: 5 Soh-02-23.0631B | 5549117 Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020023-xXSC:BE CHARLES ELBERT MAZON | Account # MMII | November 10 - December 9, 2023 O49 a BANK OF AMERICA Account Number, i i P.O. BOX 851001 DALLAS TX 75285-1001 Payment Due Date 01/06/2024 New Balance Total $2,603.92 Total Minimum Payment Due $850.00 CHARLES ELBERT MAZON 1130 BOLLE CIR: Enter payment amount $ ROCKLEDGE FL 32955-2646 For charge of addtess/phone number, see reverse side, ‘Make your payment oniine at www.bankofamerica.com or Mail this coupon along with your check payable to: Bank of America Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC. es CHARLES ELBERT MAZON | Account # SIEM | November 10 - December 9, 2023 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 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 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 automatically 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. Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC AB Customer Service information: BANK OF AMERICA @* www.bankofamerica.com 1.800.421.2110 P.0, BOX 15284 Mail billing inquiries to: Bank of America WILMINGTON, DE 19850 P.O. Box 672050 Dallas TX 75267-2050 Mail payment to: Bank of America P.O, Box 851001 Dallas TX 75285-1001 CHARLES ELBERT MAZON 1130 BOLLE CIR ROCKLEDGE FL 32955-2646 Accounts = ~ May 9, 2023 Account Summary/Payment information New Balance Total $1,978.73 Current Payment Due 71.00 Previous Balance $2,431.15 Total Minimum Payment Due $71.00 Payments and Other Credits $505.00 Payment Due Date 06/06/2023 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $52.58 New Balance Total $1,978.73 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 Total Credit Line $2,300.00 $39.00. Total Credit Available $321.27 Total Minimum Payment Warning: If you make only the Total Minimum Cash Credit Line $200.00 Payment each period, you will pay more in interest and it will take you Portion of Credit Available longer to pay off your balance._ For example: for Cash $200.00 IF you make no additional | Yo I payoff th Andyou will end up. Statement Closing Date 05/09/2023 ges using this cai balance shown on paying an estimat Days in Billing Cycle each month you pay Statel nt in abo total of Only the Total 3 years $5,645.00 Minimum Payment $83.00 36 months $2,988.00 (Savings = $2,657.00) If you would like information about credit counseling services, call 866.300.5238. O49 a BANK OF AMERICA Account Number, i i P.O. BOX 851001 DALLAS TX 75285-1001 Payment Due Date 06/06/2023 New Balance Total $1,978.73 Total Minimum Payment Due $71.00 CHARLES ELBERT MAZON 1130 BOLLE CIR: Enter payment amount $ ROCKLEDGE FL 32955-2646 For charge of addtess/phone number, see reverse side, ‘Make your payment oniine at www.bankofamerica.com or Mail this coupon along with your check payable to: Bank of America Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC. CHARLES ELBERT MAZON | Account * SIMD | Apri 10 - May 9, 2023 (004 - 000 - 000-6 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next, CALCULATION OF BALANCES SUBJECT TO INTEREST RATE statement if you pay the New Balance Total in full by the Payment Due Date, Average Daily Balance Method (including new Purchases}: We calculate and had paid in full by the previous Payment Due Date. We will begin separate Balances Subject to an Interest Rate for Purchases and for each charging interest on Balance Transfers and Cash Advances on the transaction Introductory or Promotional Offer balance consisting of Purchases. We do this date. by: (1) calculating a daily balance for each day in the billing cycle; (2) adding ali TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and the daily balances together; and (3) dividingthe sum of the daily balances by are compounded on a daily basis. To determine the Interest Charges, we the number of days in the biiling cycle. multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance for each day in this statements billing cycle, we: Rate and that result fs multiplied by the number of days in the billing cycle. To 1) take the beginning balance; (2) add an amount equai to the applicable Daily determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day's daily balance; (3) add new Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing Purchases, new Account Fees, and new Transaction Fees; and (4) subtract an Annual Percentage Rate by 365. applicable payments and credits. If any daily balance is less than zero we treat HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to it as zero, posted balances. If your account has balances with different APRs, we will Average Balance Method (including new Balance Transfers and new Cash allocate the amount of your payment equal to the Total Minimum Payment Due Advances): We calculate separate Balances Subject to an interest Rate for to the lowest APR balances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances. We do this by: will be applied to balances with higher APRs before balances with lower APRs. 1) calculatinga daily balance for each day in this statement’s billing cycle; (2) IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement’s billing cycle using the optional Pay-by-Phone service, you authorize us to initiate an that had a “Pre-Cycle balance” - a Pre-Cycle balance is a Balance Transfer or a electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement’s billing cycle but, You must authorize the amount and timing of each payment. For your with a posting date within this statement’s billing cycle; (3) adding all the daily protection, we will ask for security information. To cancel, call us before the baiances together; and (4) dividing the sum of the daily balances by the number scheduled payment date. Same-day payments cannot be edited or canceled. of days in this statement’s billing cycle. YOUR CREDIT LINES - The Total Credit Line is the amount of credit. To calculate the daily balance for each day in this statement's billing cycle, we: available for the account; however, only a portion of that is avallable for Bank 1) take the beginning balance; (2) add an amount equal to the applicable Daily Cash Advances. The Cash Credit Line is that amount you have available for Periodic Rate multiplied by the previous day's daily balance; (3) add new Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash applicable payments and credits. if any daily balance is less than zero we treat Advances, Overdraft Protection Cash Advances, Cash Equivalents, and it as zero. applicable transaction fees. To calculate a daily balance for each day prior to this statement’ billing cycle MISCELLANEOUS - Promotional Rate End Date: This date is based on a that had a Pre-Cycle balance: (1) we take the beginning balance attributable future statement closing date. If you change your payment due date, this date solely to Pre-Cycle balance (which will be zero on the transaction date of the could change. The New Balance Total which appears on this statement is not a first Pre-Cycle balance); (2) add an amount equal to the applicable Dally payoff amount and may be subject to additional interest charges when you pay Periodic Rate multiplied by the previous day's daily balance; (3) and add only in full after your statement closing date. Please contact the customer service the applicable Pre-Cycle balances and their related Transaction Fees. We number located on the front of this statement for a pay-off amount. Virtual exclude from thi calculation all transactions posted in previous billing cycles. cards are the digital form of your eligible physical crecit cards stored within a digital wallet. For the complete terms and conditions of your account, consult your Credit © 2023 Bank of America Corporation Card Agreement. This account is issued and administered by Bank of America. Bank of Ameri 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 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 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 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 automatically 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. Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020923-XXSC-BC AB CHARLES ELBERT MAZON | Account + MMMM | Apri! 10 - May 9, 2023 Transactions Transaction Posting Reference Account, Date Date Description Number Number Amount Total Payments and Other Credits 04/26 04/26. Online payment from CHK 9859 724) = 505.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD $505.00 interest Charged 05/09 05/09 INTEREST CHARGED ON PURCHASES 24.16 05/09 05/09 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 05/09 05/09 INTEREST CHARGED ON DIR DEP&CHK CASHADV 28.42 05/09 05/09 INTEREST CHARGED ON BANK CASH ADVANCES. 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $52.58 Total fees charged in 2023 $156.00 Total interest charged in 2023 $262.58 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 27.74%V $ 1,059.56, $ 24.16 Balance Transfers 27.74%V $ 0.00 $ 0.00 Direct Deposit and Check Cash 23.74% 1,162.65 $ 28.42 Advances Bank Cash Advances 29.7 4%V S$ 0.00 $ 0.00 APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary) Filing 194441899 Bank Of America, N.: v. Charles Elbert Mazon 05-2024-SC-020023-xXSC-BE CHARLES ELBERT MAZON | Account ¢ MMII p71 10 -May 9, 2023 important Messages You can request a copy of this statement in either Braille or Large Print by calling 800.432.1000 or going to bankofamerica.com and enter Visually Impaired Access from the home page. Please see important information entitled “Your Billing Rights” on the following pages. i rao Do you follow us on social media? lel Connect with us on Facebook and Twitter (oe i ake for timely information and to learn more about how to reach your financial goals. wi ¢ ORC feature certain information is collected fror rm busine SES, Filing 194441899 Bank Of America, N.a. v. Charles Elbert Mazon 05-2024-SC-020023-xXSC:BE CHARLES ELBERT MAZON | Account # MM [April10 - May 9, 2023 eee ee Ly Ce ty Pore oes Ll tel a sca Se ee Sarat ie a Ce Co oe Lol lolol ee: YOUR BILLING RIGHTS Keep This Document For Future Us: This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there Is an error on your statement, write to us at: Bank of America P.O. Box 672050 Dallas, TX 75267-2050 In your letter, give us the following information: e Account information: Your name and account number. . Dollar amount: The dollar amount of the suspected error. ° Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. Note: It is very helpful if your letter includes the transaction date and the reference number for the charge, if available. You must contact us: e Within 60 days after the error appeared on your statement. e Atleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing or electronically using online or mobile banking. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Lette: When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: We cannot try to collect the amount in question, or report you as delinquent on that arnount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your Total Credit Line. After we finish our investigation, one of two things will happen: e If we determine there was a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. Filing 194441899