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1747.02.
As used in this title:
(a) “Credit card” means any card, plate, coupon book, or other single credit device existing for the purpose of being used from time to time upon presentation to obtain money, property, labor, or services on credit. “Credit card” does not mean any of the following:
(1) Any
single credit device used to obtain telephone property, labor, or services in any transaction under public utility tariffs.(2) Any device that may be used to obtain credit pursuant to an electronic fund transfer, but only if the credit is obtained under an agreement between a consumer and a financial institution to extend credit when the consumer’s asset account is overdrawn or to maintain a specified minimum balance in the consumer’s asset account.
(3) Any key or card key used at an automated dispensing outlet to obtain or purchase petroleum products, as defined in subdivision (c) of Section 13401 of the Business and Professions Code, that will be used primarily for business rather than personal or family purposes.
(b) “Accepted credit card” means any credit card that the cardholder has requested or applied for and
received or has signed, or has used, or has authorized another person to use, for the purpose of obtaining money, property, labor, or services on credit. Any credit card issued in renewal of, or in substitution for, an accepted credit card becomes an accepted credit card when received by the cardholder, whether the credit card is issued by the same or a successor card issuer.(c) “Card issuer” means any person who issues a credit card or the agent of that person for that purpose with respect to the credit card.
(d) “Cardholder” means a natural person to whom a credit card is issued for consumer credit purposes, or a natural person who has agreed with the card issuer to pay consumer credit obligations arising from the issuance of a credit card to another natural person. For purposes of Sections 1747.05, 1747.10, and 1747.20, the term includes any person to whom a credit card is
issued for any purpose, including business, commercial, or agricultural use, or a person who has agreed with the card issuer to pay obligations arising from the issuance of that credit card to another person.(e) “Retailer” means every person other than a card issuer who furnishes money, goods, services, or anything else of value upon presentation of a credit card by a cardholder. “Retailer” shall not mean the state, a county, city, city and county, or any other public agency.
(f) “Unauthorized use” means the use of a credit card by a person, other than the cardholder, (1) who does not have actual, implied, or apparent authority for that use and (2) from which the cardholder receives no benefit. “Unauthorized use” does not include the use of a credit card by a person who has been given authority by the cardholder to use the credit card. Any attempted termination by the cardholder
of the person’s authority is ineffective as against the card issuer until the cardholder complies with the procedures required by the card issuer to terminate that authority. Notwithstanding the above, following the card issuer’s receipt of oral or written notice from a cardholder indicating that it wishes to terminate the authority of a previously authorized user of a credit card, the card issuer shall follow its usual procedures for precluding any further use of a credit card by an unauthorized person.(g) An “inquiry” is a writing that is posted by mail to the address of the card issuer to which payments are normally tendered, unless another address is specifically indicated on the statement for that purpose, then to that other address, and that is received by the card issuer no later than 60 days after the card issuer transmitted the first periodic statement that reflects the alleged billing error, and that does all of the following:
(1) Sets forth sufficient information to enable the card issuer to identify the cardholder and the account.
(2) Sufficiently identifies the billing error.
(3) Sets forth information providing the basis for the cardholder’s belief that the billing error exists.
(h) A “response” is a writing that is responsive to an inquiry and mailed to the cardholder’s address last known to the card issuer.
(i) A “timely response” is a response that is mailed within two complete billing cycles, but in no event later than 90 days, after the card issuer receives an inquiry.
(j) A “billing error” means an error by omission or commission in (1)
posting any debit or credit, or (2) in computation or similar error of an accounting nature contained in a statement given to the cardholder by the card issuer. A “billing error” does not mean any dispute with respect to value, quality, or quantity of goods, services, or other benefit obtained through use of a credit card.(k) “Adequate notice” means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning.
(l) “Secured credit card” means any credit card issued under an agreement or other instrument that pledges, hypothecates, or places a lien on real property or money or other personal property to secure the cardholder’s obligations to the card issuer.
(m) “Student credit card” means any credit card that is provided to a student at a public or private college or university and is provided to that student solely based on his or her enrollment in a public or private university, or is provided to a student who would not otherwise qualify for that credit card on the basis of his or her income. A “student credit card” does not include a credit card issued to a student who has a cocardholder or cosigner who would otherwise qualify for a credit card other than a student credit card.
(n) “Retail motor fuel dispenser” means a device that dispenses fuel that is used to power internal combustion engines, including motor vehicle engines, that processes the sale of fuel through a remote electronic payment system, and that is in a location where an employee or other agent of the seller is not present.
(o) “Retail motor fuel
payment island automated cashier” means a remote electronic payment processing station that processes the retail sale of fuel that is used to power internal combustion engines, including motor vehicle engines, that is in a location where an employee or other agent of the seller is not present, and that is located in close proximity to a retail motor fuel dispenser.
This sixty-day time period is codified in chapter 15 section 1666 of the United States Code, California Civil Code section 1747.02(g) and in the Cardmember Agreement. (P's UMF #12). Defendant did not dispute any charges on the account within the 60-day time period. (P's UMF #13). Discover Bank has complied with its obligation under the Cardmember Agreement by paying all vendors for the charges made on Defendant's account.
DISCOVER BANK VS. WILSON
37-2015-00030195-CL-CL-CTL
Mar 20, 2017
San Diego County, CA
Collections
Collections
There is no evidence presented to this Court indicating that Defendant objected to any billing statement submitted by plaintiff as required under Civil Code section 1747.02 or U.S.C. section 1666 et seq. Defendant's sole contention that there is no proof Plaintiff American Express Centurion is not the "American Express entity" which he concedes "it is clear he owes" is meritless. GRANT plaintiff's request for judicial notice.
AMERICAN EXPRESS CENTURION BANK VS. ROBERT MILLER AKA ROBERT G MILLER
CGC14542115
Aug 21, 2015
San Francisco County, CA
r ZWICKER & ASSOCIATES, RC. ANDREW GOKOFFSKI, ESQ., F E L E E (State Bar #321272) …
UA SUPERIOR COURT OF CALIFORNIA COUNTY OF SAN FRANCISCO Document Scanning Lead Sheet Sep-25-2012 8:53 am Case Number: CGC-08-470642 Filing Date: Sep-24-2012 8:53 Filed by: VANESSA WU Juke Box: 001 Image: 03777026 MEMORANDUM OF POINTS AND AUTHORITIES DISCOVER BANK VS. MEME C. ROBERTSON et al 001003777026 Instructions: Please place this sheet on top of the document to be scanned.RAYMOND J. LEE, ESQ., State Bar #219811 ERIC JUN, ESQ. State Bar #263502 AARON BALDARO, ESQ. State Bar #261156 Z…
Jan 02, 2008
San Francisco County, CA
Sep 24, 2012
COMMON COUNTS/OPEN BOOK ACCOUNT/COLLECTIONS
E-FILED 12/23/2021 12:41 PM Superior Court of California County of Fresno …
1 AARON BALDARO, Esq. – State Bar #261156 SCOTT D. DYLE, Esq. – State Bar #300917 2 AMERICAN EXPRESS LEGAL 199 South Los Robles Ave., Suite 540 5/5/2022 3 Pasadena, CA 91101 Telephone: (626) 660-0001 4 Fax: (626) 298-6716 aaron.n.baldaro@aexp.com …
Or). , AARON BALDARO, Esq. — State Bar #261156 FILEDUNTY AMERICAN EXPRESS LEGAL 199 South Los Robles Ave., Suite 830 SAN MATEO CO Pasadena, CA 91101 Telephone (626) 660-0001 AN 0:2 2019 0 aco—— Fax…
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