Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (2025)

Track Case Changes
Download DocumentPrint Document

On April 21, 2021 awas filedinvolving a dispute betweenJpmorgan Chase Bank, N.A.,andRodriguez, Michelle,for SMALL CLAIMSin the District Court of Osceola County.

Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (1)

Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (2)

  • Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (3)
  • Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (4)
  • Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (5)
  • Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (6)
  • Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (7)
  • Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (8)
  • Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (9)
  • Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (10)
 

Preview

Filing # 141171174 E-Filed 12/31/2021 11:35:18 AM IN THE COUNTY COURT FOR THE 9TH JUDICIAL CIRCUIT IN AND FOR OSCEOLA COUNTY, FLORIDA CASE NUMBER: 2021 SC 002188 SP JPMORGAN CHASE BANK, N.A., Plaintiff, vs. MICHELLE RODRIGUEZ, Defendant. iS NOTICE OF FILING Plaintiff, by and through its undersigned attorney hereby files: ° Affidavit of Indebtedness CERTIFICATE OF SERVICE I hereby certify that a copy of this Notice of Filing and the documents filed therewith have been furnished to the parties listed on the attached service list via Mail and/or E-mail in accordance with the corresponding addresses listed therein on this day of __12/°°/2°?1 . RAS LaVrar, LLC ATTORNEY FOR PLAINTIFF 1133 S. University Drive, 2nd Floor Plantation, FL 33324 954-735-4455 or 800-531-5490 TTY: 844-384-6768 service@raslavrar.com By US Flynn LaVrar, Esq., FL Bar #91596 Drew Linen, Esq., FL Bar #121577 Daphne Ganthier, Esq., FL Bar #14336 W Jennifer K. Klein, Esq., FL Bar #89432 Christopher J. Dunn, Esq., FL Bar #1011293 SERVICE LIST MICHELLE RODRIGUEZ 505 FLORAL DR ,KISSIMMEE FL 34743-9407. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.EXHIBIT “A” Doc Page 1 of 2| | IN THE COUNTY COURT FOR THE 9TH JUDICIAL CIRCUIT IN AND FOR OSCEOLA COUNTY, FLORIDA JPMORGAN CHASE BANK, N.A., ) ) Plaintiff, ) VS. ) CASE NO.: 2021 SC 002188 SP ) MICHELLE RODRIGUEZ, ‘)| ) Defendant(s). )| ) a| uw) AFFIDAVIT OF FACTS BY ORIGINAL CREDITOR 3 = oO Ni STATE OF TEXAS ) 3) ) ss. o, COUNTY OF BEXAR ) 5 5 The undersigned, being duly sworn, deposes and says: @ if 1, I, Cynthia Felan, am over 18 years old and competent to testify to the matters set o , forth herein. I am an employee and Authorized Signing Officer for JPMorgan Chase Bank, N.A., E successor by merger to Chase Bank USA, N.A. (“Plaintiff’).' I have access to Plaintiff's books 8| and records (“Business Records”), and I am authorized to make this affidavit on behalf of Plaintiff. iS The statements herein are based upon my personal knowledge obtained from my review of g Plaintiff's Business Records. A, : Q , 7) 2. Due to the nature and scope of my employment duties, I have continuing access to . Plaintiff's Business Records and have personal knowledge of Plaintiff's procedures for creating and maintaining these records. Plaintiff’s Business Records are: (a) made at or near the time of the occurrence of the matters set forth therein; (b) made by, or from information transmitted by, persons with knowledge and a business duty to report, or are made by a computer or other similar digital means which contemporaneously records an event as it occurs; and (c) kept in the course of Plaintiff's regularly conducted business activities and it is the regular practice of Plaintiff to make such records. 3. Plaintiff's Business Records show that MICHELLE RODRIGUEZ (“Defendant”) opened an account with Plaintiff or its predecessor for the purpose of obtaining an extension of| credit on 06/09/2018 (“Account”). The last four digits of the Account number are 0376. ' Effective May 18, 2019, Chase Bank USA, N.A., merged with and into JPMorgan Chase Bank, N.A. Q44A2s en Doc Page 2 of 2 JPMorgan Chase Bank, N.A. v. MICHELLE RODRIGUEZ 4, After opening the Account, Defendant did use or authorize the use of the Account for the acquisition of goods, services, or cash advances. Defendant failed to make the required payment(s) on the Account and demand for payment has been made. The Account is now charged off and the balance remains due and owing. 5. Plaintiff provided Defendant periodic billing statements for the Account, which described the charges, interest, fees, payments, credits, and the amount due on the Account. Based on my review of the Business Records, there are no unresolved billing disputes regarding the Account. A true and correct copy of the last periodic billing statement provided to Defendant is| attached hereto as Exhibit A. 6. The last payment in good and collectable funds on the Account was on or about 12/05/2019 in the amount of $150.00. The last charge, balance transfer, cash advance, or other debit that was initiated by Defendant and charged to the Account was on or about 12/14/2019 in the amount of $35.44. Credit has been given to Defendant for all just and lawful offsets, payments, and credits as of the signing of this affidavit. a s) 7. The balance due and owing on the Account as of the signing of this affidavit is 2 $6,179.64. Plaintiff does not seek post-charge-off interest or fees. N =) rs) The above statements are true and correct to the best of my personal knowledge. a 2 JPMORGAN CHASE BANK, N.A. 3 uw ow a eE feb) | | Name: Cynthia Felan 8 Title: Authorized Signing Officer a Date: 12/17/2021 S 7) Subscribed and sworn to (or affirmed) before me on 12/17/2021, Ol by Cynthia Felan. ” TW ?@ «— Signature of Notary } doe Lie “Terns Print, Type/Stamp Name of Notary | Personally known to me Xx OR Produced identification N/A Type of identification produced: N/A KPO ROBELI E TERAN XLie} MyNotaryCommission ~A Pare’: !D #125575313 Expires December 21, 2024 POET, | Q44A25 LeULL ier: Fe Doc Page 2 of 5 | < oe |7 4XS Ee ~~ _._ag om [<:. Wwww.chase,com/cardhelp Manageyour account online at: Customer Service: feePi Chase Ww 1-800-524-3880 =Mobile:Mobile®app Download today the | | Ss M November TW 2020 TF Ss $6 itd 179.64 ° CHASE FREEDOM UNLIMITED REWARDS SUMMARY 4 2 3 4 s5 6 > Minimum Payment Due B 9 10 141 | #12 | 183 14 $1 »401 -0O +Previous points balance 1.5% (1.5 Pts)/$1 earned on all purchases ° ° Payment Due Date + 1.5%(1.5 Pts)/$1 addi on Dining purchases ° 156 16 17° 18 19 20 21 11/05/20 +1.5%(1.5 PtsV$T1 addi on Drugstore purchases ° 22 23 24 25 26 27 28 + 3.5%(3.5 Pis)/$1 addi on Ult Rewards travel [e} 29 30 1 2 3 4 §& Total points available for ~ 6 7 8 9 10 141 12 redemption oO Late Payment Warning: If we do not receive your minimum wwwredeeming today.. Visit Ultimate Rewards® at Start red i today. Visi iti payment by the date listed above, you may have to pay a late fee of up to $37.00. we . oe You earn unlimited 5% Cash Back rewards on travel purchased Minimum Payment Warning: !f you make only the minimum through Ultimate Rewards, unlimited 83% cash back on dining at payment each period, you will pay more in interest and it will take restaurants and drugstore purchases, and unlimited 1.5% cash you longer to pay off your balance. For example: back on all other purchases. It's automatic! Redeem for cash with If you make no additional charges You will pay off the And you will end up balance shown on this | paying an estimated neS your minimum, andIsyour account Cash Back rewards do not expire as tong open. || using this card and statement in about... total of... each month you pay...| Only the minimum payment 16 years $13,292 If you would like information about credit counseling services, call 1-866-797-2885. ACCOUNT SUMMARY to Account Number: EI 0376 S| Previous Balance $6,075.22 oO Payment, Credits $0.00 o Purchases Cash Advances $0.00 $0.00 z foul Balance Transfers Fees Charged $0.00 $0.00 8 oO Interest Charged +$104.42 c! New Balance $6,179.64 oO Opening/Closing Date 09/09/20 - 10/08/20 Ss Credit Access Line $6,500 8 Available Credit $o *K Cash Access Line $1,300 WW Available for Cash $o 5 Past Due Amount $1,235.00 & Balance over the Credit Access Line $0.00 5 (o) je) Q Cc — ° =| YOUR ACCOUNT MESSAGES OQ ep] Your account is closed and no longer available for use. CHASE &

Case Info

Judge

JANCEWICZ, STEFANIA CTrack Judge’s New Case

Case No.

(Subscribe to View)

Document Filed Date

November 09, 2023

Case Filing Date

April 21, 2021

County

Parties

  • JPMORGAN CHASE BANK, N.A.Plaintiff

  • RODRIGUEZ, MICHELLEDefendant

  • Kelvin SotoAttorney

  • Flynn LaVrarAttorneys for Plaintiffs

  • Jennifer KleinAttorneys for Plaintiffs

  • Shelby SterlingAttorneys for Plaintiffs

  • Drew LinenAttorneys for Plaintiffs

  • Daphne GanthierAttorneys for Plaintiffs

  • Kyle MelansonAttorneys for Plaintiffs

  • Christopher DunnAttorneys for Plaintiffs

  • Andres MonteroAttorneys for Plaintiffs

Related Contentin Osceola County

Case

PORTFOLIO RECOVERY ASSOCIATES, LLC vs. CORDERO, NELSON

May 24, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003334 SP

Case

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY vs. BAILEY, MALACHI

May 29, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $5,000.01-$8,000 |2024 SC 003432 SP

Case

CITIBANK NA vs. PETERKIN, RASHEED

May 17, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2024 SC 003176 SP

Case

SYNCHRONY BANK vs. REIS, ELIAS

May 21, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $5,000.01-$8,000 |2024 SC 003200 SP

Case

LVNV FUNDING LLC vs. ROSA, ALEX

May 21, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003240 SP

Case

BANK OF AMERICA, N.A. vs. WINTER, TIFFANY

May 23, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2024 SC 003302 SP

Case

AUTOVEST FINANCIAL SERVICES, LLC vs. AVILES, EDWIN

May 31, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003520 SP

Case

LVNV FUNDING LLC vs. OLMEDA, GLENDA

Jun 07, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003700 SP

Case

DISCOVER BANK vs. GONZALEZ, ALBERTO

May 21, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003232 SP

Case

LVNV FUNDING LLC vs. REZENDES, JEANE

Jun 07, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003706 SP

Case

NCB MANAGEMENT SERVICES, INC. vs. SANTIAGO, ARIANNA

Jun 03, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2024 SC 003574 SP

Case

CAPITAL ONE, N.A. vs. MARTE, GLADYMAR

Jun 08, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2024 SC 003726 SP

Case

CAPITAL ONE, N.A. vs. MERCADO, JORGE

Jun 08, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2024 SC 003730 SP

Document

MIDLAND CREDIT MANAGEMENT INC. vs. MANON, FRANCHESKA

Dec 27, 2023 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2023 SC 005934 SP

Document

CAVALRY SPV I, LLC, AS ASSIGNEE OF DEPARTMENT STORES NATIONAL BANK vs. DINNEL, KERRI

May 22, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2024 SC 003268 SP

Document

MIDLAND CREDIT MANAGEMENT INC. vs. FLETCHER, ROBERT

Mar 30, 2023 |ARENDAS, CHRISTINE |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2023 SC 001483 SP

Document

CREDIT ACCEPTANCE CORPORATION vs. ROSADO, SHARON

Feb 27, 2017 |EPPERSON, HAL |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2017 SC 000695 SP

Document

LVNV FUNDING LLC vs. GUITONEZ, M

May 21, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003238 SP

Document

AUTOVEST FINANCIAL SERVICES, LLC vs. AVILES, EDWIN

May 31, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003520 SP

Document

CITIBANK, N.A. vs. NICKOLS, ALICIA

May 29, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003454 SP

Document

BANK OF AMERICA, N.A. vs. RIVERA, JUSTIN

May 30, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2024 SC 003488 SP

Document

BANK OF AMERICA, N.A. vs. WINTER, TIFFANY

May 23, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2024 SC 003302 SP

Document

PUCKERIN, MAUREEN vs. RYKA LLC

Dec 22, 2022 |JANCEWICZ, STEFANIA C |SMALL CLAIMS |SMALL CLAIMS $5,000.01-$8,000 |2022 SC 005812 SP

Document

AUTOVEST FINANCIAL SERVICES, LLC vs. AVILES, EDWIN

May 31, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $500.01-$2500.00 |2024 SC 003520 SP

Document

CAPITAL ONE, N.A. vs. TORRES, EDILDANIEL RAMIREZ

Jun 08, 2024 |PULAYYA, JUNA M |SMALL CLAIMS |SMALL CLAIMS $2,500.01-$5,000 |2024 SC 003728 SP

Court Document for JPMORGAN CHASE BANK, N.A. vs. RODRIGUEZ, MICHELLE November 09, 2023 (2025)

FAQs

Can Chase Bank take you to court? ›

Yes, Chase Bank may sue for credit card debt if a minimum payment has not been made on the account in several months. Generally, after 180 days, a creditor will mark the account as default. Then it may pursue the debt through litigation or sell the account to a debt buyer.

How do you fight a charge chase? ›

Sign in to your Chase account, find the transaction, choose the arrow and follow the instructions to start a dispute. We'll investigate on your behalf. Is the charge still pending? For credit card charges, please wait 1-3 business days until they post.

How to defend against a credit card lawsuit? ›

Common Defenses to Credit Card Debt Lawsuits
  1. Improper Service of the Summons and Complaint. ...
  2. Statute of Limitations. ...
  3. Fair Debt Collection Practices Act (FDCPA) ...
  4. Lack of Standing. ...
  5. Payment of the Credit Card Account, in Part or in Full. ...
  6. Fraudulent Credit Card Charges. ...
  7. Discharge in Bankruptcy. ...
  8. Mistaken Identity.

What happens when a credit card company sues you and you have no money? ›

You may lose the ability to dispute the debt, if you believe you don't owe it or that the amount is wrong, and depending on your situation and your state's laws, the creditor may be able to: Garnish your wages. Place a lien against your property. Move to freeze funds in your bank account.

How do you fight a bank charge? ›

This usually means contacting the bank and providing them with all relevant details about the transaction in question. It's important to lay all the cards on the table; what the issue is, any evidence to support the claim, and what outcome is being sought.

Can you fight a charge-off? ›

However, if you believe the charge-off on your credit report is inaccurate, you have the right to file a dispute with the credit bureaus at no cost. The credit reporting agencies will investigate your claim and if the charge-off is erroneous, they may correct it or remove it from your report.

How do you fight charge back? ›

The following are recommended steps to dispute chargebacks effectively.
  1. Understand the chargeback process. ...
  2. Have accurate and complete transaction records. ...
  3. Review the reason code. ...
  4. Draft a rebuttal letter. ...
  5. Take action and dispute the chargeback.

What does it mean when a bank takes you to court? ›

If you don't repay or settle the debt, the debt collector can sue you. At this point, you will receive a complaint, followed by a summons from the court.

Is there a class-action lawsuit against Chase Bank? ›

Class Action Filed Against Chase Bank for Financial Damages and False Advertising After Acquisition of First Republic Bank.

What happens if you owe Chase Bank money? ›

Collections. Collections happen when you've failed to make a certain number of payments, and your issuer or lender sends your account to a collections agency to collect your debt. If you face debt collections, this could appear on your credit report and last for up to 7 years.

Does Chase accept settlements? ›

If you are a few months behind, you can contact Chase's collections team and try to negotiate a settlement. Do not expect they will accept anything like only 50%. Another option is to wait for Chase to sell the debt to a junk debt buyer. They will generally accept 50% or even less.

Top Articles
Latest Posts
Recommended Articles
Article information

Author: Zonia Mosciski DO

Last Updated:

Views: 5407

Rating: 4 / 5 (51 voted)

Reviews: 90% of readers found this page helpful

Author information

Name: Zonia Mosciski DO

Birthday: 1996-05-16

Address: Suite 228 919 Deana Ford, Lake Meridithberg, NE 60017-4257

Phone: +2613987384138

Job: Chief Retail Officer

Hobby: Tai chi, Dowsing, Poi, Letterboxing, Watching movies, Video gaming, Singing

Introduction: My name is Zonia Mosciski DO, I am a enchanting, joyous, lovely, successful, hilarious, tender, outstanding person who loves writing and wants to share my knowledge and understanding with you.