case 1:13-cv-01091-lmb-tcb document 1 filed 08/30/13 page 2 … · 2019. 12. 25. · 12 months) and...
TRANSCRIPT
UNITED STATES DISTRICT COURT FOR
THE EASTERN DISTRICT OF VIRGINIA
MARGARET MURR, on behalfof herselfand all others similarly situated,
Plaintiff,
CAPITAL ONE BANK (USA), N.A.,
Defendant.
CivilActionNo.: iU3oV /£^|
lhbItcsJURY TRIAL DEMANDED '
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CLASS ACTION COMPLAINT
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Plaintiff Margaret Murr ("Plaintiff) brings this action on behalf of herself and all others
similarly situated against Capital One Bank (USA), N.A. ("Capital One" or "Defendant")
pursuant to Rule 23 of the Federal Rules of Civil Procedure. Plaintiffs allegations against
Defendant are based on information and belief and upon investigation of Plaintiffs counsel,
except for the allegations specifically pertaining to Plaintiff herself, which are based upon her
personal knowledge.
INTRODUCTION
1. Using standardized and materially uniform promotional materials, Capital One
offers customers the opportunity to "SAVE!" with 0% APR for 12 months on funds borrowed
through the use of its "Access Checks." The Access Checks are included with the promotional
materials (the "0% APR Offer") mailed to Plaintiff and the other members of the Class. See
Exhibit A at l.1 In the promotional materials, Capital One states that it will merely assess a
Capital One made 0% APR Offers with slightly different promotional periods (i.e., 6 and12 months) and associated transaction fees (i.e., 2% and 3%). Notwithstanding the differentpromotional periods or transaction fees, Capital One's misrepresentations, omissions, andresulting unlawful practices at issue are the same. For purposes of formatting, what appear as
{00063646.V1}
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JS4< (Rev. (312) CIVIL COVER SHEET
(•WMI-UtglteThe JS44civil cover sheet and the information contained herein neither replace nor supplement the filing and service ofpleadings orother papers asrequired bylaw except asprovided bylocal rules ofcourt. Thisform, approved bytheJudicial Conference of theUnited States inSeptember 1974, isrequired fortheuseof theClerk ofCourt forthepurpose of initiating thecivildocket sheet. (SEE INSTRUCTIONS ON nextpage OFTHIS FORM.)
I. (a) PLAINTIFFSMARGARET MURR, on behalf of herself and all others similarly situated
DEFENDANTSCAPITALONE BANK (USA), N.A.
(b) County ofResidence ofFirst Listed Plaintiff Maricopa County. Arizona(EXCEPTIN US. PUINTIFF CASES)
County ofResidence ofFirst Listed Defendant Fairfax County.(IN US. PLAINTIFFCASESONLY)
NOTE: IN LAND CONDEMNATION CASES. USE THE LOCATION OFTHE TRACT OF LAND INVOLVED.
(c) Attorneys (Firm Name, Address, and Telephone Number)Daniel Cohen, Robert Cynkar, Pamela Gilbert: Cuneo Gilbert & LaDuca106-A South Columbus Street
Alexandria, VA 22314 Tel: 202-789-3960
Attorneys (IfKnown)
II. BASIS OF JURISDICTION (Piacean "X" in One Box Only)
O 1 U.S. Government
Plaintiff
O 3 Federal Question
(U.S. GovernmentNot a Parly)
III. CITIZENSHIP OF PRINCIPAL PARTIES (Placean "X^nOne Boxfor Plaintiff(ForDiversity Cases Only) andOne Boxfor Defendant)
PTF DEF PTF DF.F
Citizen ofThisStale O \ O I Incorporated orPrincipal Place D 4 ffl 4of Business In This State
• 2 U.S. Government
Defendant59 4 Diversity
(Indicate CitizenshipofParlies in ItemHI)Cilizen ofAnother Stale
Citizen or Subject ofnForeign Country
X 2 2 Incorporatedam/ Principal Placeof Business In Another State
0 3 D 3 Foreign Nation
O 5 O 5
O 6 n 6
IV. NATURE OF SUIT (Place an"X" inOne Box Only)1 CONTRACT TORTS FORFEITURE/PENALTY BANKRUPTCY OTHER STATUTES 1
0 110 Insurance PERSONAL INJURY PERSONAL INJURY O 625 Drug RelatedSeizure O 422 Appeal28 USC 158 D 375 False Claims Act• 120 Marine • 310 Airplane O 365 Personal Injury - ofProperty21USC88l O 423 Withdrawal D 400 State Reapportionment0 130 Miller Act O 315 AirplaneProduct Product Liability a 690 Other 28 USC 157 O 410 AntitrustO 140 Negotiable Instrument Liability
O 320 Assault. Libel &Slander
O 367 Health Care/
Pharmaceutical
Personal Injury
O 430 Banksand BankingO 150 Recovery ofOverpayment PROPERTY RIGHTS O 450 Commerce
& Enforcementof Judgment O 820 Copyrights O 460 DeportationO 151 Medicare Act O 330 FederalEmployers' Product Liability O 830 Patent O 470 Racketeer Influenced andD 152 Recovery ofDefaulted Liability O 368 Asbeslos Personal • 840 Trademark Corrupt Organizations
Student Loans O 340 Marine
D 345 Marine Product
Liability
Injury ProductLiability
PERSONAL PROPERTY
O 480 Consumer Credit(Excludes Veterans) LABOR SOCIAL SECURITY O 490 Cable/Sat TV
O 153Recoveryof Overpayment • 710 Fair Labor Standards O 861 HIA (1395(1) O 850 Securities/Commodities/of Veteran's Benefits D 350 Motor Vehicle O 370 Other Fraud Act a 862 Black Lung (923) Exchange
a 160 Stockholders'Suits O 355 Motor Vehicle O 371 Truth in Lending • 720 Labor/Management O 863 DIWC/DIWW (405(g)) O 890 Other Statutory ActionsH 190 Other Contract Product Liability O 380 Other Personal Relations O 864 SSID Title XVI O 891 Agricultural ActsD 19SContract Product Liability O 360 Other Personal Properly Damage D 740 Railway Labor Act O 865 RSI (405(g)) O 893 Environmental MattersO 196 Franchise Injury O 385 Property Damage O 751 Family and Medical O 895 Freedom of Information
O 362 Personal Injury- Product Liability Leave Act ActMedical Malpractice D 790 Other Labor Litigation
O 791 Employee RetirementIncome Security Act
O 896 Arbitration1 REAL PROPERTY CIVIL RIGHTS PRISONER PETITIONS FEDERAL TAX SUITS
O 210 Land Condemnation O 440 Other Civil Rights Habeas Corpus: O 870 Taxes (U.S. Plaintiff Act/Review or Appeal ofO 220 Foreclosure O 441 Voting G 463 Alien Detainee or Defendant) Agency DecisionO 230 Rem Lease & Ejectment O 442 Employment O 510 Motions to Vacate • 871 IRS—Third Party O 950 Constitutionality ofO 240 Torts to Land D 443 Housing/ Sentence 26 USC 7609 State StatutesO 245Tort ProductLiability Accommodations
O 445 Amer. w/Disabititics -
Employment
O 530 General
D 535 Death PenaltyOther:
O 290 All Other Real Properly IMMIGRATION
D 462 NaturalizationApplicationO 446 Amer. w/Disabilities - D 540 Mandamus & Other O 465 Other Immigration
Other a 550 Civil Righls Actions
G 448 Education O 555 Prison Condilion
O 560 Civil Detainee -
Conditions of
Confinement
V. ORIGIN (Place an "X" in One Box Only)JS 1 Original O 2 Removed from O 3 Remanded from O 4 Reinstated or • 5 Transferred from O 6 Multidistrict
Proceeding State Court Appellate Court Reopened Another District Litigation(specify)
VI. CAUSE OF ACTION
Citethe U.S.CivilStatuteunderwhichyou arc filing(Da netcitejurisdictionalstatutes unless diversity):28 USC 1332(d)(2)Briefdescription ofcause:Breach of Contract
VII. REQUESTED IN S CHECK IF THIS IS ACLASS ACTION DEMANDS CHECK YES only ifdemanded incomplaint:COMPLAINT: UNDER RULE 23. F.R.Cv.P. (W fC llAi[\i(-\tf\ JURY DEMAND: » Yes ONo
VIII. RELATED CASE(S)117 AIVV (Seeinstructions):
DATE
08/30/2013
FOR OFFICE USE ONLY
RECEIPT*
JUDGE
AMOUNT APPLYING
DOCKET NUMBER
Y OF RECORD
JUDGE MAG. JUDGE
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EXHIBIT A
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EXHIBIT B
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EXHIBIT C
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MOAN liasterCant 10:014CO30:0304042
NEW BALANCE
KST3-111
NM= DUE DATEPAYMENT
NITA Du 2S, 2trI2 RealisticCent exCosh Man=
Cash ManceCreel Lielt
MAN,Credit S14,426.12
S10,1101100
SIAN0100
CreatLint SLO.COOLO
Previous Balance end Croats Fees and Interest Charged Tramadlans New BalanceS4AD104 WIL53 S11.31 SL331.78 I AMOS
(TRANSACTIONS CONTINUED
MUSTOVA=WRY CHNGEAPXHASES $11.31
Teal Mew The Prod 511.31
TOTALS VIAA TO CAWTO Res Tes Yev PITA
Tette MarKinilsYCY $11.31
Case 1:13-cv-01091-LMB-TCB Document 1-6 Filed 08/30/13 Page 1 of 5 PagelD# 58
EXHIBIT D
Case 1:13-cv-01091-LMB-TCB Document 1-6 Filed 08/30/13 Page 2 of 5 PagelD# 59
For your existing account ending in. 5542
Capital, ne.
This oiler good.until: February 3, 2013
4482500016511911 1066 017 0% APR forMargaret Murr19644 N Majestic Vista Ct AdTL
Surprise, AZ 85387-7588 12 rnonthswillikan111111 11111.1111.1111111.11d11914•1919111111
Your total credit limit as of 12/4/2012: $20,000
Dear Margaret Murr,
The only thing worse than paying too much in interest Ls letting this offer expire.
Yqtahave until Oebruary 3, 2013 to start.saving With a
.0% Annual"Percetitage Rate (AFR) for 12 monthi.
After that, your tate will simply go to your purchase rate, which is currently 13.9%. Keep in mind, foreach transaction, there's a fee of2%.
UM Transfer balances--0% for 12 monthsOther credit ords can charge you as much as 14.98%. Stop overpaying—transferhigher-rate balances to your existing Capital One° account and save!
MD Write a check to yourself-0% for 12 monthsThere are dines when cush is the only answer. With this offer, write a check to yourself,deposit it at your bank, and get cash without those high cash advance rates.
Aft Make a purchase-0% for 12 monthsUse one ofthe attached checks to make that special purchase you've been putting off—even at places that don't accept credit cards.
NOTE 10- Please read:If you accept this offer, you will pay interest on all purchasesmade with your credit card until your entire balance is paid off.See Special Notice on the back of this offer.
This offer is goixiiintilebruaty 3, 2013, so start saving today!
Enjoy 3 convenient ways to save with this offer...
W 2USE THE ENCLOSED CHECKS GIVE US A CALL GO ONUNE
by 02/03/13 1-800433-6393 uutitatent.corriallsob; 1 1,, L. 4,ts, FM133144
01011106 10233344031
041825-017
Case 1:13-cv-01091-LMB-TCB Document 1-6 Filed 08/30/13 Page 3 of 5 PagelD# 60
0°A3 11"tiar;11"ILIOn Itc Vnta CICheck Mull post by 2f3t2013 46070
Sunnite. AZ 85387,7288 D3te 66.1561531Promotional APR 01482S-017
For 12 months Pay ToThe.Order Of $1
:h1c_k ft 0079Ctonars
)ateCaPtitsh e. sco,re.a. va
amount 6/, 7Siglanne'ay to Memo
Check must post by IP 1. 60 ?De' CIO 5 3 LO L 5 6 LI:7 5 LOO L 3 3 3 78 6101February 3. 2013
Go online to see how much you can save when you transfer a balance!Go to capitalone.corn/offers, log in. and clickon,this link (located rust above your available offers)
a
to calculate how much you'll save with this offer. p.
Questions? We're here to help. Give us a call at 1-800-833-6393.Interest and Fee Information
APR for 0% for 12 months beginning with the list transfer.Check Transactions After that, you will be charged the APR for Purchases, 13.9%. This APR will vary with the marketand based on the Prime Rate, as previously disclosed.Transferred Balances
Use-by-Date These checks must post to your account by February 3, 2013 for the promotional APR to apply. II youuse the checks after that date, we may still honor the checks but you will not receive the promotionalAPR. Instead, the APR for Purchases will apply.
Fee 2% of each transaction.
Paying Interest We will begin charging 0% interest on these checks and transfers on the transaction date.
These rates, lees, and terms also apply to any other checks numbered 46070 through 46074 previously mailed to you
0% Margaret blurs19641 N tleitt!V!,,,,v2
Check must post by 213/2013ar-tr.alc,
46071
Promotional APRfor 12 months
:heck 46071
)ale
%mount
'ay to
Chock must pan by tr GO LP° 1:0 53 L01, 56 L1:751,00 L333713640rebrualy 3. 2013
0% MargaretMasestecMuff.
12644 N Vista CICheck mun pest by 21312013 46072
Surprise. AZ 85387-7588 Date 66.156/531Promotional APR 044325-017
for 12 months Pay To The IOrder Of I
A46072
sate sar—i.'"Doltats
Ca raft 4: em.,,o sa
mount ViSitinituna/Memo"ay to 1-.0:4,,, 60.1.,,,,, NA
Check must post byFebruary 3. 2013 VI. GO 7 210 40 5 3 LO L 5G LI: 7 5 LOO L 3 3 3 78 6 LIP
ray so mt.
MOm0
CaPi RtftWerct Vsl
Dollars
Order Of
Case 1:13-cv-01091-LMB-TCB Document 1-6 Filed 08/30/13 Page 4 of 5 PagelD# 61
If you always pay your balance in full each month, you do not pay interest on youi purchasThis is called a grace penod. Please note that of you take this offer. you will lose your gracis percdIf you transfer a balance to this account, you will begin paying interest on all new purchairKeven if you pay your purchase balance in full each month. To avoid paying interest on yourps.orcildw>, you must pay both your transferred balance and your purchase balance in full
Case 1:13-cv-01091-LMB-TCB Document 1-6 Filed 08/30/13 Page 5 of 5 PagelD# 62
Answers to frequently asked questtons
O When can I start using the enclosed crtecks' 0 It I accept :hi, will I be open.nu a new credd card account'
What will my rate hr. after the prornott.mal rate 1,113ir.S'
0 How Muth of my total credit limit can I WO, with this offer"
O Does this promotional rate apply to purchases made with mycredit card'
O How long writ it take for one of these checks lu post to
my account'
0. if I transfer a balance Item another lender do I still need tocontinue to pay that lender?
O Can I use the enclosed checks to get cash,
0 Can I avoid interest on flew purchases after I transfer a balance"
Important Information About This Offer
Please make sure the total of your checks, transactions, and fees does not exceed your available aedit.
We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if:-Yen account is deinquerst. cvtdlrrtrt. charged-oft or dosed-You have filed for baninrptcyYour card has been reported Inst or stolen, or our fraud system prevents the offer fulfillmentA teem of your account relevant to the alter (Ike credt fine. APR. or your special transfer rate) has changed ince we mailed the offer
All transaction fees cfisclosed Will apish,. but may be waived by Capital One, without losing our nghts to impose those lees in Ilse future.
if you have an authorized user an your account, the authorized user cannot request a transfer or use any checks.
SO Fraud Liabifity dims are subject to verification and investigation.Balance transfers between Capital One accounts are nat permitted. That means balances cannot be transfened to this account hairs anyother aed4 card issued
by Capital One including. but nat limited to, Rohl's, Sony, GM, Union Plus, Teamster Privilege, Best Buy, Household Bank, and Orchard Bank.
Access checks will not be accepted as payments on other Capital One accounts. Please do ant use these checks to payany credit card issued by Capital Oneincluding. ba net Smiled ro, Kohl's, Sony, GM, Union Plus, Teamster Priilege, Best Buy, Household Bank, and Orchard Bank
The HEXAGON DEState (AHD VARIATIONS). FISBC:THE WORLD'S LOCAL BANKTHOUSENO(D• (AHD DESIGN), and HOUSEHOLD BANKare registeredtrademarh of ItSBC Holdings plc or FISBC Finano Corporation and are used by Capital Ons' by permission. CapitalOne is the issuer of this accoua UnionPlus is a registered trademark of Union Prisilege. Best Bilis a trademark of KIT Solutions, Inc.
Those Checks:Are treated as special transfers and erill post to one of your special transfer segments of your account if used before the promotional rate offer woes on
213(2013. if they post to your account after that date, they will be treated as purdusses and writ post to your purchase segment al your account.
Are subject to the terms and condtions of your Customer Agreement as amended. Please be aware that the sultan titled "Your Rights If You AreDissatisfied Uth Your Credt Card Purchases' in the Efilling Rights Summary on the back cif your periodc statement does nut apply to these checks.
Do not earn Rewards.
Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, NA, which has suffident funds to covet the amount of thecheats) in the event the checkIll isfare) returned unpaid.
All other terms and conditions for your account remain in lull force and effect.
!I Ckt ;F:t pa; •frereat CI, you:. po,cha;c:—I., r.•=,, re
4***_'-'‘ *L2 t.ar, y2*.* rd otitt-H;I: Oft neVe
CAr, r, a.:ort payint; totetest oo sum.s• A.;, A v,1, 4• balan.:e (LW
4)2012 Caperal One Criwai Ow n ferler414, repaired ...wee MOS. Allnsfs mom/.
Case 1:13-cv-01091-LMB-TCB Document 1-7 Filed 08/30/13 Page 1 of 9 PagelD# 63
EXHIBIT E
LA-31-1CAr
Case 1:13-cv-01091-LMB-TCB Document 1-7 Filed 08/30/13 Page 2 of 9 PagelD# 64
I. 1..
STATE OF VERMONTSUPERIOR COURT
jr,i; I f" 2b WAsseproN 2b
In re CAPITAL ONE BANK (USA), N.A. CIVIL DIVISIONDocket No. riSiir- l (.2.
ASSURANCE OF DISCONTINUANCE
WHEREAS Capital One Bank (USA), N.A. ("Capital One"), is a national bank with
i offices at 1680 Capital One Drive, McLean, Virginia 22102;
WHEREAS Capital One is a subsidiary ofCapital One Financial Corporation;
WHEREAS Capital One offers credit cards and credit card services to businesses in
Vermont;
WHEREAS Capital One markets its credit cards and credit card services to Vermont
businesses through direct-mail solicitations, among other methods;
WHEREAS among the solicitations sent to Vermont businesses have been solicitations
that allow the business to use an "access check" to borrow up to a certain amount ofmoney—
for example, $5,000—at "0% APR [annual percentage rate] for 12 months" (hereinafter
"Vermont Access Check Offers");
WHEREAS businesses that choose to accept a Vermont Access Check Offer can, up
to the stated dollar amount of the offer and at 0% APR for 12 months, use the check to pay
offbalances from other credit card accounts or buy merchandise, among other things;
WHEREAS under the terms and conditions of the Vermont Access Cheek Offers,Office of theATTORNEY businesses that used an access check had a continuing balance on their credit card accountGENERAL
109 State Street until the check amount was paid back, even ifother new purchases were paid in full by theMontpelle4 VT
03609monthly due date, as a result of which interest or finance charges accrued on new purchases
on the account;
1
Case 1:13-cv-01091-LMB-TCB Document 1-7 Filed 08/30/13 Page 3 of 9 PagelD# 65
WHEREAS businesses that would have carried a purchase balance regardless of the
access check did not pay more in interest on purchases than they would have had they not
accepted the Vermont Access Check Offer, but businesses that would have paid off all of
their new purchases each month did pay interest on those purchases;
WHEREAS the Attorney General alleges that Capital One's access check solicitations
did not disclose the potential for interest charges on new purchases, in violation of the
prohibition on unfair and deceptive trade practices in the Vermont Consumer Protection Act, 9
2453(a);
WHEREAS Capital One has been using the form of disclosure that appears in the
two sentences following "NOTE Please read" in Exhibit 1 hereto in some of its access
check solicitations, and the Attorney General agrees that this disclosure is accurate, clear,
and conspicuous;
WHEREAS Capital One has not admitted any violation of the Vermont Consumer
Protection Act;
AND WHEREAS the Attorney General is willing to aceept this Assurance of
Discontinuance pursuant to 9 V.S.A. 2459;
THEREFORE, the parties agree as follows:
1. Disclosure.
a. Capital One shall use the form of disclosure in Exhibit 1 on Vermont Access
Check Offers from November 16, 2012 until November 15, 2013. During that period, forOffice of theATTORNEY Vermont Access Check Offers sent in other solicitation formats different from Exhibit 1,GENERAL
109 State Street Capital One shall use the wording contained in the form of disclosure set forth in Exhibit 1Montpelier, VT05609 1
I 2
1
Case 1:13-cv-01091-LMB-TCB Document 1-7 Filed 08/30/13 Page 4 of 9 PagelD# 66
and place the disclosure on the front of the solicitation, but may make de minimis variations
in other aspects ofthe disclosure.
c. For all Vermont Access Check Offers sent from November 16, 2013 through
November 15, 2016, Capital One shall clearly and conspicuously disclose on the front of the
solicitation how accepting a Vermont Access Check Offer will affect the interest paid on
future purchases made with the credit card, if accepting a Vermont Access Check Offer will
affect the interest paid on future purchases. For the purpose of this paragraph, a disclosure is
clear and conspicuous if it is presented on the front page of a solicitation in such a size,
color, contrast, and location, compared to the other information with which it is presented,
that it is readily noticeable, readable, and understandable to a reasonable person. A
disclosure is not clear and conspicuous if it is contradicted by or inconsistent with other
information on the solicitation.
d. Through November 15, 2013, the Vermont Attorney General's Office may by
written request directed to Jonathan Campbell at the address below obtain copies sufficient
to show the form ofany Vermont Access Check Offer solicitations used from November 16,
2012 through the date ofthe written request.
2. Consumer relief
a. For each Vermont business that paid interest between August 1, 2006 and
September 30, 2011, on new purchases while a 0% access check balance was pending that it
would not have paid absent that balance, Capital One shall, within thirty (30) business daysOffice of theATTORNEY of signing this Assurance of Discontinuance, credit the business' Capital One account, ifGENERAL
109 State Street
Montpelier, any, or send a check to the business' last known address, by first-class mail, postage prepaid.VT0560'3 11 The amount of the credit or check shall be the amount of all such interest charges that have
3
1:
Case 1:13-cv-01091-LMB-TCB Document 1-7 Filed 08/30/13 Page 5 of 9 PagelD# 67
not been previously refunded. In either event, Capital One shall send to the business, byfirst-class mail, postage prepaid, a letter in substantially the form attached as Exhibit 2
hereto, which shall accompany the check if a check is sent. Capital One shall use due
diligence to ensure that accurate payment amounts are provided to each business to which a
payment is due under this Assurance of Discontinuance.
b. No later than forty-five (45) business days after signing this Assurance of
Discontinuance, Capital One shall provide to the Vermont Attorney General's Office the
names and addresses of the businesses to which letters and payments were sent or credits
provided under this Assurance of Discontinuance, along with the date and amount of each
payment
c. No later than one hundred fifty (150) days after signing this Assurance of
Discontinuance, Capital One shall mail to the Vermont Attorney General's Office, 109 State
Street, Montpelier, VT 05609, a single check, payable to "Vermont State Treasurer, in the
total dollar amount of all checks that were returned as undeliverable or that went uncashed,to be treated as unclaimed funds, along with a list, in Excel format on a compact disk, of the
businesses whose checks were returned or were not cashed, and for each such business, the
last known address and dollar amount due.
3. Payment to the State Within thirty (30) business days ofsigning this Assurance
of Discontinuance, Capital One shall pay to the State of Vermont, in care of the Vermont
Attorney General's Office, the sum of one hundred fifty thousand dollars ($150,000.00) as
reimbursement for reasonable investigative costs.Office of theATTORNEYGENERAL 4. Binding effect. This Assurance of Discontinuance shall be binding on Capital109 State Street
Montpelier, VT One, its successors and assigns.05609
4
Case 1:13-cv-01091-LMB-TCB Document 1-7 Filed 08/30/13 Page 6 of 9 PagelD# 68
5. Release. The State ofVermont hereby releases and discharges any and all claims
that it may have against Capital One or its affiliates based on conduct described above that
arose prior to the date of this Assurance ofDiscontinuance. The State of Vermont does not
waive any legal rights it may have to enforce the laws ofVermont as to matters not covered
by this Assurance of Discontinuance, including time periods not covered by this Assurance
ofDiscontinuance, or to enforce the terms ofthis Assurance ofDiscontinuance.
6. Admissibility. Nothing in this Assurance of Discontinuance may be used or
admitted as evidence or as an admission in any other adverse proceeding or action relating to
I Capital One, nor shall anything in this document be considered first-party evidence, except
Iby Capital One to enforce the Release.
Date: I 0A4/1-STATE OF VERMONT
WILLIAM H. SORRELLATTORNEY GENERAL
by:Elliot BurgAssistant Attorney General
Date: to 31
CAPITAL ONE
Office of theATTORNEYGENERAL
109 State StreetMontpeliet, VT
05609
5
Case 1:13-cv-01091-LMB-TCB Document 1-7 Filed 08/30/13 Page 7 of 9 PagelD# 69
APPROVED AS TO FORM:
Assistant Attorney GeneralElliot Burg Jona/. s Campbell
Sem .r Associate General CounselOffice ofAttorney General Capital One Services, LLC109 State Street 15000 Capital One DriveMontpelier, VT 05609 Richmond, VA 23238For the State ofVermont For Capital One Bank (USA), N.A.
Office of theATTORNEYGENERAL
209 State StreetMontpellec VT
05609
6
Case 1:13-cv-01091-LMB-TCB Document 1-7 Filed 08/30/13 Page 8 of 9 PagelD# 70
SPARK For your existing account ending in: 1234 EXHIBIT 1
BUSINESS ft...copir,
This offer good until: 10/31/12
Lee M. Cardholder123 Main StreetAtlanta, GA 30306-0123 0% APR for
cliquoshommtictiutioquim.dididigiiv 12 months
Your total credit limit as of 9/19/12: $10,000
Dear Lee M. Caraholder,The only thing worse than paying too mu-ch in interest is kiting this offer expire.
You have until 10/31/12 to start saving with a
0% Annual Percentage Rate (APR) for 12 months.
After that, your rate will simply go to your purchase rate, which is currendy 17.99%. Keep in mind, foreach transaction, there's a fee of3%.
CM} Transfer balances-0% for 12 monthsOther credit cards can charge you as much as 14.9%. Stop overpaying—transferhigher-rate &games to your existing Capital One° account and savd
em Write a check to yourself-70% for 12 monthsTheri are times when cash is the only answer. With this offer, write a check to yourself,deposit it at your bank, and get cash without those high cash advance rates.
Make a purchase-0% for 12 monthsUse one of the attached checks to make that special purchase you've been putting ofr—even at placer that don't accept credit cards-
NOTE 0. Please read:If you accept this offer, you will pay interest on ali purchasesmade with your credit card until your entire balance is paid off.See Special Notice on the back ofthis offer.
This offer is good until-10/31112, so start saving today!
Enjoy 3 convenient ways to save with this offer..
ig&USE THE ENCLOSED CHECKS GIVE US A CAU. GO ONUNE
by 10/31/2012 1-800•833-6393 cackdarasentffen141133346
7
Case 1:13-cv-01091-LMB-TCB Document 1-7 Filed 08/30/13 Page 9 of 9 PagelD# 71
Exhibit 2 (Letter to Businessesi
Dear [Name ofBusiness]:
Our records show that you took advantage of a "0% for 12 months" access checkoffer, and that while the access check segment of your balance was pending, you paidinterest on new purchases made on your credit card that you would not have paid absent theamount owed on the access check segment of your credit card account. Under a settlementwith the Vermont Attorney General's Office, we are enclosing a check to reimburse you forthat interest.
If you have any questions about the settlement, you may contact the AttorneyGeneral's Office at (802) 828-5507.
Sincerely,
Capital One Bank (USA)
Office of theATIORNEYGENERAL
109 State Street
Montrellet VT05609 I
11! 8
Case 1:13-cv-01091-LMB-TCB Document 1-8 Filed 08/30/13 Page 1 of 3 PagelD# 72
EXHIBIT F
Case 1:13-cv-01091-LMB-TCB Document 1-8 Filed 08/30/13 Page 2 of 3 PagelD# 73
Transfer balances from any lender, including:
Credit Cards Personal Loans Installment Loans
Auto loans Gas Cards Retail Store Cards
Call us at 1-800-955-7070 or go to
capitalone.com/offers today!
Paget ot 3
2. .a Customer Service 14004554010 Sep. 29 Oct. 28, 2012 30 Clays in Biting Cycleca1www.capitalonacom
Platinum Mast -XXXX-XXXX-5542
S4,1109.04 $48.00 Nov 25, 2012.1%
DUE DATEPenalty APR or 29A0%
NEW BALANCE MINIMUM PAYMENT
yaGuTEnuiPAyYMENtIoWAR:IIRG:teoltovroOttponotsatooceyilot747:z"ployzcifebyyotooduoto dteate,
;RIME PAY 0LEAS1 THIS &WANT
Creait Lima: 120,000.60 Cash Advance Credit Limit: S10.000 00
Available Credit: S15.190.96 Available Credit Mr Cash Advances: S10.000.00
Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance
$2.02.04 52.082.04 1 + 587.18 $4,809 04 3(TRANSACTIONS i (REWARDS INFORMATION
PAYMENTS, CREDITS & ADJUSTMENTS FOR MARGARET MURR #5542 PREVIOUS AVAILABLE REWARDS BAIANCE 10.1191 25 OCI ELICTROMC PAYMEM 111.091.04 I REWARDS EARNED THIS PE FOOD 727
(reflects Itan‘rtnnS posted during thn bang tWe)TRANSACTIONS FOB MARGARET MIMI #55421 01 OCT 8UILD A IIIKESURP11ISE.42 SI5.9.1 AVAIIABLE BAlANCE AS OF 10/28/2012 10,846
2 33 OCT MO1. PATIENT ACCISE100-6030558MN 1109.683 04 OCT CDLOR BAR SAIONSURPRISEA2 125.1104 10 OCT HAMPTON INN CAMARILLOCAMARILLOCA 1128.19
ARRIVE 1000/12 DEPART: 10110112 TO110#: For up-to-date rewards tracking, visit60002146 www.capitalonemom (6I0Hassle rewards-PH#: 805-389-9893 or simply call 1-800-228-3001
5 11 OCT BATTERIES PIZ #465aN tuts 08so$ 1..916 I I OCT ACCESS OfEC4 50066 8282665296 a 358.80 s.
7 14 OCT IN.N.Out BURGER 0110000MASCADEROCA 1/.16 INTEREST CHARGE CALCULATION8 19 Ca 1311ILD A EIKESURPR1SEAZ 563.41
Ilp. TctalTrwitalloreThisPolod $4,721.88 Your Annual Percentage Rate (APR) isthe annum interest rale on your account
Annual Percentage Balance Subject toType et Balance Interest ChargeRate (APR) Interest Rate
Purchases I 13.90% P I 50.60 I SO 00Cash Advances I 1430% P $0.00 I 10.00SpevalTrans I 0.00% I 52.662.01 S0.00
Transactions continue on page 2P.LD,E Variable Rare. See reverse of page I cot details
PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE.
1 5178058415145642 28 4809042082040048008
CaPiteAccount Number: 5178-0584-1514-5542
Due Date New Balance Minimum Payment Amount Enclosed BE SAFE!(Nov25, 2012 $4,809.04 $48.00 =13 Your trash could be an identity thief's
PLEASE PAY AT LEAST gold. Manage your account onlineTHIS AMOUNT and end the paper trail.
Sign up a: www.capitalone.com noon
Case 1:13-cv-01091-LMB-TCB Document 1-8 Filed 08/30/13 Page 3 of 3 PagelD# 74
managing your account online is easy:
Check your balance and view recent activityView and print copies of past statements
Pay your bill online
Sign up at: www.capitalone.com CaPit
r-- _____Th
p-----%ivaioPeg a lel 3
Ca Customer Service 1-860-955-7070 Sep. 29 Ott 28, 2012 30 Days in Billing Cyclewww.capItalone.com
Credo Limit- S2C, C,C0.00Platinum MasterCard XXXX-XXXX•XXXX-SS42
Avalable Crenit: S1'1, 140.96NEW BALANCE MINIMUM PAYMENT DUE DATE
Cash kMnce Greta/Auld. SIO, C00.00
$4,809.04 $48.00 Nov 25, 2012 Available Creco for Cash Advances.
Previous Balance Payments and Credits Fees and lnjarest.Cha ed Transactions New Balance
C$2,082.04 82,082.04 387.18 34.721 86 34,809 04 1
(TRANSACTIONS CONTINUED
FEES1 1"; OCT SP-LCIAt PME ORR FEC $87 1
!mat Fees This Period $87.18
INTEREST CHARGEDTotal Interest Ma Period 10.00
TOTALS YEAR TO DATEiota! Fees This Yeay 1813
fowl Interest This Yea, $000
Case 1:13-cv-01091-LMB-TCB Document 1-9 Filed 08/30/13 Page 1 of 3 PagelD# 75
EXHIBIT G
in e: ytffirs rimy l www.capitalone.comiautoloans/offer5a5b
Case 1:13-cv-01091-LMB-TCB Document 1-9 Filed 08/30/13 Page 2 of 3 PagelD# 76
50.5
ot AUTO LOAN TEST DRIVEtri e-°
You test drive a car before you buy it.
Now TEST DRIVE a LOANbefore you SIGN IT/
CaPifrAuto Mance
CaPliaeNet el 1
Customer Sento 1401415010writeapitakno.00m
Wm 29 Om* 3012 30 Clays inBang 0001BOMAN MIAMITUN= Primatewittaainkuan swotnthpat* iosallprirostiNangardtal ticsvas krautPriallyaratuares Pima*
PilthlUnt RIRSiSTES4 100014000000065542 hyena Mame Wu ParisiIT Nu rommiume ttmete Pm0 muted
NEW BALANCE MINIUM PAYMENT DUE DATE mailed Maws/AUs* smarmMere Tsui OM
1444168 $48.00 Jan 25, 2013 MinasPspara T1 Tors PLOOITiel Man WOI
Tourstemmaambit gym pay MIMis Mantel lure WOMA=FAT AtLIMmonitor
CredlUott 120.000.00 CIAAdam peg unitslupop 11 su*gal ilaktananion stoat maioxradnymasteill 1.611.32OTOSO
/Neal*Etat SIS,6311.44 /watt*et torontiPocreezsio.cotoo,,IttaymtallarrumggpsvZsZtrZtrri"TrWrirbd.,PostOPRat2940%.
Previous Balance Payments and Credits Fees and Interest 4. Transactions New Balance
U.S73.61 11,214.78 4 tan + San) a a4.381.66
(TRANSACTIONS (REWARDS INFORMATIONPAWEINS, MOOS a PONS10011S FORNAMUR 10/11 65312 NOMAMUNE REIMS (WAKE 690
I 0101C EGETWMC PAYMENT 111,214 78 1 REWARDS EANIEDDOS PERIOD 0
Weds Macawsposted duriog On Stag odelAVAILIall BALANCE AS Of 12402012 690
FRSIMP Willa Ttoxl MO
INTEUST CRAB= Fortm4s-dsts enseds taming,vittMEREST CHARGENICHASES S2.16 mmouptIstommem C/AtoHassle remit&
Tool Mem Me PUCCI $2.16 i er sdopty esti 1400421401
TOTALS TEM TO DATEToe rem TM We $97.18
Tad Mom nus Teo Or02 INTEREST CHARGE CALCULATIONYou/Maul Parcestage Rate(A1114 is to annmilinterest ate on your mama
Tre el blameAnnual Percentage tame Subject% wend charsRata (APR/ Interest Bate
1.Radiuses 1 7131%..90Pp 1 $211.36 I $920,407690.00Speciations 0.00% $4,322.14 i $0.00MAT *tab% Mu. ke wont0page 1 br duels
PLEASE RETURN PORTION BROW WM PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE.I
1 5178058415145642 28 4361581214780048001
CaisitErAccount Number: 5178458445144542
Due DM New blame Minimum Payment AimedWarta ORGANIZATIONJan 25. 2013 $4.381.58 548.00 MADE EASY.
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MARGARET MINOR$4444 N MAJESTIC VISTA CTSURPRISE. A2 15167-7Slia Capital One dank 4USAi, N.A.
P.O. 00s 60544414111.1"41"1"11101110411111116111".414611.1.11 City of Industry. CA 11796 -0314
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Case 1:13-cv-01091-LMB-TCB Document 1-9 Filed 08/30/13 Page 3 of 3 PagelD# 77
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nesse ents address or peone rowdier changes above losing kiln ot black .nk number on your check.
Case 1:13-cv-01091-LMB-TCB Document 1-10 Filed 08/30/13 Page 1 of 4 PagelD# 78
EXHIBIT H
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Case 1:13-cv-01091-LMB-TCB Document 1-10 Filed 08/30/13 Page 2 of 4 PagelD# 79
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RES INTEREST CHARGE CALCINATION1 25 tan PAST DUE FEE $25.00Tau/ Ties This Period 125.00 yawMoot Penismage lateMITIO Is rhoannual Merestme an your amount
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MARGARET KUREMT% N MAJESTIC VISTA CTSURPRISE. AS ASSA7-7386 Capital One Bank (USA). N.A.
P.O. Box 1.0SiiCity of Industry. CA •1216-0559
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Case 1:13-cv-01091-LMB-TCB Document 1-10 Filed 08/30/13 Page 3 of 4 PagelD# 80
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Changing Address? Not quite ready to make payments online?Address—_--.-----_____ No problem. Follow these simple steps to make sure
0we process your payments smoothly:
Home Phone____............ Don't staple or paper clip your check to the payment slip.Alternate Phone.----.............—• Be sure to use the payment envelope that came with your
0E-mail statement. Using a different envelope could delay processing.Please don't include any additional correspondence.Last but not least, be sure to write your 16-digit account
Ptease wins address cephone eurdset changes above using blue or tdack talcnumber on your check.
Case 1:13-cv-01091-LMB-TCB Document 1-10 Filed 08/30/13 Page 4 of 4 PagelD# 81
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Peas2o12 ICustomer broke) 1410043.211TO D.C. 29. las. 24 2013 31 Dap In MingClap)CaPif WWW.CapIlII16110.00en
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11384.44 $112.24 Feb 23.2013 Assibbb CreditsCash Adman
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$10.000.0)110000.00
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Presione Bak= ts and Credits Fees and Merest Charged Transactions New Balance$4001.00 soca $4.334.44
(TRANSACTIONS CONTINUED
TOTALS WARM CATEReal Fees TM Yen 12300
Tctii trcerest Yes Yen 1064
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Case 1:13-cv-01091-LMB-TCB Document 1-11 Filed 08/30/13 Page 1 of 4 PagelD# 82
EXHIBIT I
Case 1:13-cv-01091-LMB-TCB Document 1-11 Filed 08/30/13 Page 2 of 4 PagelD# 83
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inst 2$ FEB PAST DUE FEE $35.00 be happy to help you check your balance and make payments.
Total Res This POW $3500
MUST CHARGEDINTEREST OURGEPURCHASES $0.96
Total Imam This Pried 93.96 INTEREST CHARGE CALCULATIONTOTALS TEAR TO DATE TourMetal remodels, Rate MOD toannual hems, titianyour loccunL
total fees This year $60.00 Annual Percentage Balance Subject toTout Interest This War $1.60 Toe el Miaow (Arm interest Rate Merest Charge
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PLEASE MUM PORTION BELOW WITH PAYMENT OR LOG ON TO WWWCAPRALONE.COM TO MAICEYOUR PAYMENT ONLINE.
1 5178058415145542 28 4420400002780192243
CARParAccount Number: 5178-05844 314-3342 e 1
Due Date taw Balance Minimum Payment Pasant Eadosed Take advantage. Take control.2013 84,429.40 S 192.24 )1----) Manage your account online 1
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JMARGARET MOMIMAM N MAJESTIC VISTA CTSURPRISE. AZ A53117-7318 Capitol One Bank (USA), N.A.
P.O. Box holii411"/iliiIiiildill'illIllighlitil'IllIn111111•••'l•iiii City of Industry. CA 9171U-0519
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Case 1:13-cv-01091-LMB-TCB Document 1-11 Filed 08/30/13 Page 3 of 4 PagelD# 84
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Changing Address7 Not quite ready to make payments online?No problem. Follow these simple steps to make sure
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Home Don't staple or paper dip your check to the payment stip.Alternate Be sure to use the payment envelope that came with your
E-mail 0 statement. Using a different envelope could delay processing.Please don't indude any additional correspondence.Last but not least, be sure to write your 16-digit accountPlease print address or phone *Weibel domes above using Moe or block kik number on your check.
Case 1:13-cv-01091-LMB-TCB Document 1-11 Filed 08/30/13 Page 4 of 4 PagelD# 85
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Pap 2 of 2
Caor easternerdente tallSWINIwawa-Feb. 21, 2013 3I Days In elks Oi.eapitatonetam
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Crock Ulla $70=00PINtwe MasterCard )0X(4)=00046542Arida* Cede 515.579.60
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You ore arrested a past duo fee because vow Memo payment was reereceired bythe due dee. To nod this lee intim future. no recommend that you &low a IranWear dots forsox widow payment to reach Capte Coe.
Case 1:13-cv-01091-LMB-TCB Document 1-12 Filed 08/30/13 Page 1 of 4 PagelD# 86
EXHIBIT J
Case 1:13-cv-01091-LMB-TCB Document 1-12 Filed 08/30/13 Page 2 of 4 PagelD# 87
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wñtz m your wow IT'S STILL NOT TOO LATE.MARGARET MURR Your account is unusable. Please pay the amount due on your
statement by the due date. Remember we're here to help!
Let's work together to find a solution that's right for you.
You can make a payment with our fog check by phone serviceor speak to an associate by calling 1.800.955.6600.
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PAYMENTS. CREDITS El ADRISITINNTS FOR MARGARET MIRA 05542
Call 1-800-955-6600 and a specially trainee agent willbe happy to help you check your balance and make payments.
FEES1 25 MAY PAST CUE FIT 535.00
ToW Fees TM Pethd $35.00
INTEREST CRARGEO INTEREST CHARGE CALCULATIONINTEREST CHARGESORTNASES $2.18Total Interest This Pencd $2.13 Ord Annul Percentage Rate (APMes Ise annual Interest tete co yawnoun
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PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWWCAMTALONE.COM TO MAKE YOUR PAYMENT ONLINE.
1 5178058415145542 28 4530880002780435246
CRAirAccount Number: 5178-0584-1514-5542
Dna Date Rew anions, Minimum Permit *avant Wand Take advantage. Take control.Jun 25.2013 54,530.136 S435.24 Manage your account online
at www.capltalone.comKEA.% PAY At LEASTDOS AMOUNT Make payments ACaReview account information
Manage your account in plivacy 4111"36JRARGARET RUM
N RAAESTTC VISTA CTSURPRISE. AZ 632117-73/16 Capital Ono Bann (086), M.A.
P.O. 00x 10511MIPId10161"14.101414,01104.1d.P.h.l.dhlIP. City of Industry. CA 11,7m.-054.1
Please makedodo payable to Capital Ono Bank (USA), NA rod mrd aIM Miscavon Wi Ons =doted envtd3Pe.
YOU'RE BEHIND BY
5PAYMENTS
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Case 1:13-cv-01091-LMB-TCB Document 1-12 Filed 08/30/13 Page 3 of 4 PagelD# 88
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Changing Address? Not quite ready to make payments online?No problem. Follow these simple steps to make sure
we process your payments smoothly:Home Dora staple or paper clip your check to the payment Op.
Alternate Be sure to use the payment envelope that came with your
0E-mail statement. Using a different envelope could delayprocessing.Please don't include any additional correspondence.Last but not least, be sure to write your 16-digit account
nem vim address or. phone amber dirges abort using blue or black ink number on your check.
Case 1:13-cv-01091-LMB-TCB Document 1-12 Filed 08/30/13 Page 4 of 4 PagelD# 89
Take Control with Online Statements
Managing your account online is easy:
Check your balance and view recent activityView and pdnt copies of past statements
Pay your bill online
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Pogo 2 al 2 ICmeostuSeMes 1401435-7070 Apt. 21 May. 28. 2013 300ap inMgCO.)WWW.C11011000.0181
Crodl Lint S2D8C0.00Madman MastmCvd )030C4300811)0C(4542
Reelable Credit $15459.34NEW BALANCE fittN/MUM PAYMENT DUE DATE cashMance Crodit I.1y8: s10,000.00
$4,530.06 S433.24 Jun 25, 2013 AvMsbbCredit tot Cash Athemeee $10,000.00,
Previous Rebate Pa ants and Credits Fees and Interest Clot Transactions New Balance
S4.03.411 $0.00 $37.111 s WOO a $1.5$00.611
(TRANSACTIONS CONTINUED
You were assessed a pad doe fee because your minimum mown was am emend bythe due do. To rail Ms fee el the We. we rewarmed that you dowat lead 7byslee's claw he sow minimum memos reach Capital One.
Case 1:13-cv-01091-LMB-TCB Document 1-13 Filed 08/30/13 Page 1 of 5 PagelD# 90
EXHIBIT K
Case 1:13-cv-01091-LMB-TCB Document 1-13 Filed 08/30/13 Page 2 of 5 PagelD# 91
300781
You have new payment opportunities available.
See the next page for more information.
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Costumer Sank, 1400458-9311 i Dun. 39 -Da 28. 2013 10 Days In Oleg Cyde.www4apitaione.com/solutions
otPUTANT ACCOUNT%Marl
3, Platinum MasterCanl 5173-0534-1siassa I rap her Moo I dre. Mypares: sou trete nd oduce yourharemand IWO NT orl 1NEW BALANCE PAYMENT DUE DUE DATE, leo data !atm Ike amount you oweSYS Met, wisenand erosa mewmoveri1:sperm"
$4,535.89 $4,535.59 PAST DUE Il......^- 4
Available Credit 10.00 I
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Preston Balance Payments and Credits fees and Interest Charged Transactions New Balance
u 1, S431.1.93 +So.oa I + 32.59 l Sono
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i PAYMENTS. CREDITS & AD/USTMENTS FOR MARGARET MURR #5342 11 Help is Available. WiJust pick up the phone.
4 I Tour Fees Thn Poled I0.03
LT I INTEREST CHARGED Cali 1-800-258-9319 and a specially trained agent willOffEfIEST CHARGE:PURCHASES Sz s9,, be happy to help you check your balance and make paymenttIOW Wrest Ihn Perrod $2.19
TOTALS YEAR TO DATE 1
Tad Fees Des Teat 516530;Taal haven Pes YIN SI/ 09
INTEREST CHARGE CALCULATION2 iYen Annual Pm:stn. Rate (APR) is the annual interest rate an por meant
Amid Percentage Balance tibial to1Type of Balance
Rah (Am Wooed Rate Interest Charge
1 Purchases; 13.90% P 1 522032 $2.59
1 (ash Adences, 24.90%P 1 50.00Swath=
MOO0110% i 14.30022 1000
kt.O.F. Vane* Rate. See mew or me I An deals
PLEASE RETURN PORTION BELOW WITH PAYMENT OR L03 ON TO WNW CAPITALONE.COMiSOLUTIONS TO MAKE YOUR PAYMENT ONLINE
1 5178058415145542 28 4535890002764535897
CaPtAccount Number: 5176-0584-1514-5542 r
Doe Date Rev BARN knot Endosed Manage yourPast Due 54,535.89 i I account online. 461
Visit www.capitalona.comisalutions to manageyour account online. Have snformauon at yourfingertips 2417 without picking up the phone,
40MilOARBARET BURR
14644 N frA4ESTIC visra CT r ruse
SURPRISE. AZ 35367-71166 Capitol One BANN MAJ. N.A.P.O. Box hOS1111110111/1111111110111111'11"NIIIIII'lld111.111.111144 CIty of Industry. CA 5S7S6-0511
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Please mike checks payable to CaprIal One Bank (USA), NA end mail vnth this coupon in the enclosed envelope
Caaa1:13-cv-01091-LMB-TCB Document 1-13 Filed 08/30/13 Page 3 of 5 PagelD# 92
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To change or update your address please call 1.800458-9319 or visit www.capitalone.com/solutions
Case 1:13-cv-01091-LMB-TCB Document 1-13 Filed 08/30/13 Page 4 of 5 PagelD# 93
200985
You have new payment opportunities available.Your account works differently now that it's 7 payments behind and has charged off,
craike
Dear Valued Client,
You need to know about important changes to your account now that it has charged off.
You are still responsible for paying the full balance on your account.
If we continue to send you statements, you will receive them quarterly instead of monthly We may continueto report the status of your account to the credit bureaus, unless prolrbited by law. We will also reportwhen your account is paid off.
Help is available. The changes to your account include new payment opportunities that may not havebeen available before. Please review these important changes:
1) Your account Is charged off. This is a change in status from past due. You are still responsible forpaying your full balance.
2) You won't be charged past due, over limit, or membership fees.
3) You have new payment opportunities available to you now. For instance, we may be able tobreak your balance up into more manageable payments.
Please contact us today at 1400-258-9319 to find out more about these new opportunities if a
third-party agency is servicing your account, your call will be automatically routed to them. Remember,you can check your balance and make payments any time at www.capitaione.com/soludons.
Sincerely,Your Solutions Team
Help is available.Call 1-800-258-9319 today for more opportunities.
2 Visit www.capitalone.com/solutions to make a payment or check your balance.
Case-1A3-cv-01091-LMB-TCB Document 1-13 Filed 08/30/13 Page 5 of 5 PagelDa 94
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