EFTA00123911.pdf

Capi at ' Page 1 of 2 Auto Finance Statement Date : 01/21/2019 Capital One Auto Finance PO Box 60911 City of Industry. CA 917160511 YOUR MONTHLY STATEMEN 1.808946.0332 Account Number: BROOKLYN, NY 11234-4029 Vehicle: 15 JEEP WRANGLER ACCOUNT STATUS CURRENT HOW TO MAKE A PAYMENT You have setup your account on our DirectPay recurring payment program. Details of your payments scheduled to process between the date of this statement and your due date are shown in the Scheduled Payments' section on Jo page 2. The total scheduled payments are shown below. PAY ONLINE www.capitalone.com YOUR PAYMENT INFORMATION Past Due Payment(s) $0.00 Total Unpaid Late Fees $0.00 en Total Unpaid Other Fees $0.00 Current Due Payment $351.27 PAY BY PHONE Call 1-800-946-0332 Mon - Fri. 8:00 a.m. - 9:00 p.m. EST Total Due $351.27 Total Scheduled Payments $351.27 Total Due, if scheduled payments are made as planned $0.00 Due Date 02/11/2019 PAY BY MAIL Capital One Auto Finance PO Box 60511 City of Industry, CA 91716-0511 Payoff Amount good through 01/31/2019 $13.000.22 • Add money to each payment - an extra SMALL STEPS. $25 can go a long way! • Make one extra payment each year BIG RESULTS. • Make half payments every two weeks To learn more money saving tips, visit www.caoitalone.com LEARN THE LITTLE STEPS THAT CAN GO A LONG WAY IN SAVING YOU MONEY. EFTA00123911  IMPORTANT DISCLOSURES AND INSTRUCTIONS Important Customer Notices: 1- Mail Payment Information. • Please see the front of the payment coupon at the bottom of the second page on this statement for important mail payment instructions. • Please allow at least 5 business days (Monday through Saturday, except holidays) for postal delivery. • We will process payments received in our California payment processing center the same day if received before 12:00 p.m. Payments received after this time will be processed on the next business day (Monday through Saturday, except holidays). Regardless of when we process your payment, we will credit your account for the day we received your payment. • We may store your payment account information to allow you to make payments in the future. We will not process payments using this account information without your prior explicit authorization. 2- Electronic Authorization. Each time you send us a check, you authorize us to use information from your check to make a one-time electronic debit from your bank account for the amount of the check. This authorization applies to all checks received. If we cannot process the one-time electronic debit, you authorize us to debit your bank account using the original check. a paper draft, or other item. When we use information from your check to make a one-time electronic debit from your checking account, funds may be withdrawn from your bank account as soon as the same day you make. or we receive, your payment. You will not receive your check back from your financial institution. 3- Late Fees. Please remember. making your monthly payments in full and on time is important to avoid delinquency. If you are past due on your account, you may be assessed late fees in accordance with your contract. 4- Other Fees may include, but are not limited to. any of the following fees or charges . except where prohibited by law: NSF ("returned check fee). One-Time ACH, Debit Card. Due Date Change. Extension, Legal. Lien Filing, FedEx. and Repossession. 5- Scheduled Payments. If you modify/cancel your scheduled payment(s) on/after your statement date. please adjust your payment amount to ensure your Total Due on the front of this statement is paid by your due date. 6- Paying Your Account Ahead. Any amount paid over your Total Due shown on the front of this statement by your due date will be applied to your balance but will not further advance your due date. You will need to make at least one regular monthly payment every billing cycle by your due date until your account is paid in full, regardless of how much you paid in previous monthly billing cycles. 7- Payoff Amount. For your convenience. the amount needed to pay off your account on the date shown (the 'good-through date) is given on the front of this statement. This amount may change if any transactions are posted to your account before your payoff good-through date. • If you pay the Payoff Amount shown before your good-through date, your account may be over paid. The credit balance will be refunded back to you. If you pay the Payoff Amount shown after your good-through date. your account may not be paid off as you may have incurred additional interest and/or fees. You will receive a statement for the remaining balance prior to your next due date. 8- Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. All disputes must be sent in writing to the following address: ATTN: COAF Credit Bureau Dispute, Capital One Auto Finance. PO Box 259407. Plano, TX 75025-9407. Phone Authorization for Electronic Payments: 1- You may authorize us to initiate one-time or recurring payment(s) that will be electronically debited from your bank account by phone at 1-800-946-0332. 2- Confirmation of your phone authorization for recurring payments will be sent to you by mail. 3- Your authorization for one-time payment(s) will remain in effect until your payment(s) is electronically debited from your bank account, or until you direct us to stop it. 4- You may make an electronic payment at no cost by either going online at www.caDitalone.com. using our automated phone service at 1-800-946-0332. or speaking with an agent at 1-800-946-0332. 5- If you wish to modify or cancel your payment(s). please call us at 1-800-946-0332. Monday through Friday. from 8:00 a.m. to 9:00 p.m. Eastern Time. Any change to your one-time payment(s) must be completed by 5:00 p.m. Eastern Time on the payment date. Any change to your DirectPay payment must be received 3 business days before your payment date to be effective for this month; otherwise. the change will be effective starting next month. Capital One Auto Finance is a division of Capital One. National Association: successor to Onyx Acceptance Corporation and NFB Funding. Inc. EFTA00123912 Capitalthe Page 2 of 2 Auto Finance Statement Date : 01/21/2019 Capital One Auto Finance PO Box 60511 City of Industry. CA 91716.0511 YOUR MONTHLY STATEMEN 1.800946.0332 Account Number: Vehicle: 15 JEEP WRANGLER TRANSACTION HISTOR7/21/2018 - 01/20/2019 Posting Date Effective Date Description Principal Interest Late Fees Other Fees Total BEGINNING BALANCE $13.239.69 $28.64 $0.00 $0.00 $11268.33 01/07/2019 01/07/2019 Payment Received -$287.85 -$63.42 $0.00 $0.00 -$351.27 01/10/2019 01/07/2019 Payment Returned $287.85 $63.42 $0.00 $0.00 $351.27 01/14/2019 01/14/2019 Payment Received -$273.53 -$77.74 $0.00 $0.00 -$351.27 Interest Accrued this Period $0.00 $63.13 $0.00 $0.00 $63.13 ENDING BALANCE $12.966.16 $14.03 $0.00 $0.00 $12.980.19 SCHEDULED PAYMENIS/21/2019 - 02/11/2019 Effective Date Description Payment Amount 02/07/2019 Recurring ACH Payment $351.27 TOTAL SCHEDULED PAYMENTS $351.27 PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT See reverse side to update your address. Account Number: Auto Finance Total Due. if scheduled payments are made as planned : $0.00 BROOKLYN, NY 112344029 Due Date: 02/11/2019 Amount Enclosed: $ MAIL PAYMENT INSTRUCTIONS • Please send your payment along with this payment coupon in the enclosed envelope. • Make your check payable to Capital One Auto Finance and include your account number on your check. DO NOT SEND CASH! • Payments will be processed according to our posting policy and Capital One Auto Finance not any instructions written on your check. PO Box 60511 • Don't staple or paper clip your check to the payment slip. City of Industry, CA 91716-0511 • Be sure to use the envelope provided. • Enclose payments for this account only. 1 EFTA00123913  PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT CHANGE OF ADDRESS (Please print using blue or black ink) Current Address: BROOKLYN, NY 11234-4029 New Address Caane Auto Finance City State Zap Home Phone Alternate Phone EFTA00123914 Cam Page 1 of 2 Auto Finance Statement Date : 02/1812019 Capital One Auto Finance PO Box 60511 City of Industry. CA 91716-0511 YOUR MONTHLY STATEMEN 1.800946.0332 Account Number: BROOKLYN, NY 11234-4029 Vehicle: 15 JEEP WRANGLER ACCOUNT STATUS CURRENT HOW TO MAKE A PAYMENT You have setup your account on our DirectPay recurring payment program. Details of your payments scheduled to process between the date of this statement and your due date are shown in the Scheduled Payments' section on Jo page 2. The total scheduled payments are shown below. PAY ONLINE www.capitalone.com YOUR PAYMENT INFORMATION Past Due Payment(s) $0.00 Total Unpaid Late Fees $0.00 Total Unpaid Other Fees $0.00 dha Current Due Payment $351.27 PAY BY PHONE Call 1-800-946-0332 Mon - Fri. 8:00 a.m. - 9:00 p.m. EST Total Due $351.27 Total Scheduled Payments $351.27 Total Due, if scheduled payments are made as planned $0.00 Due Date 03/11/2019 PAY BY MAIL Capital One Auto Finance PO Box 60511 City of Industry, CA 91716-0511 Payoff Amount good through 02/28/2019 $12.704.07 • Add money to each payment - an extra SMALL STEPS. $25 can go a long way! • Make one extra payment each year BIG RESULTS. • Make half payments every two weeks To learn more money saving tips, visit www.caoitalone.com LEARN THE LITTLE STEPS THAT CAN GO A LONG WAY IN SAVING YOU MONEY. EFTA00123915  IMPORTANT DISCLOSURES AND INSTRUCTIONS Important Customer Notices: 1- Mail Payment Information. • Please see the front of the payment coupon at the bottom of the second page on this statement for important mail payment instructions. • Please allow at least 5 business days (Monday through Saturday, except holidays) for postal delivery. • We will process payments received in our California payment processing center the same day if received before 12:00 p.m. Payments received after this time will be processed on the next business day (Monday through Saturday, except holidays). Regardless of when we process your payment, we will credit your account for the day we received your payment. • We may store your payment account information to allow you to make payments in the future. We will not process payments using this account information without your prior explicit authorization. 2- Electronic Authorization. Each time you send us a check, you authorize us to use information from your check to make a one-time electronic debit from your bank account for the amount of the check. This authorization applies to all checks received. If we cannot process the one-time electronic debit, you authorize us to debit your bank account using the original check. a paper draft, or other item. When we use information from your check to make a one-time electronic debit from your checking account, funds may be withdrawn from your bank account as soon as the same day you make. or we receive, your payment. You will not receive your check back from your financial institution. 3- Late Fees. Please remember. making your monthly payments in full and on time is important to avoid delinquency. If you are past due on your account, you may be assessed late fees in accordance with your contract. 4- Other Fees may include, but are not limited to. any of the following fees or charges . except where prohibited by law: NSF ("returned check fee). One-Time ACH, Debit Card. Due Date Change. Extension, Legal. Lien Filing, FedEx. and Repossession. 5- Scheduled Payments. If you modify/cancel your scheduled payment(s) on/after your statement date. please adjust your payment amount to ensure your Total Due on the front of this statement is paid by your due date. 6- Paying Your Account Ahead. Any amount paid over your Total Due shown on the front of this statement by your due date will be applied to your balance but will not further advance your due date. You will need to make at least one regular monthly payment every billing cycle by your due date until your account is paid in full, regardless of how much you paid in previous monthly billing cycles. 7- Payoff Amount. For your convenience. the amount needed to pay off your account on the date shown (the 'good-through date) is given on the front of this statement. This amount may change if any transactions are posted to your account before your payoff good-through date. • If you pay the Payoff Amount shown before your good-through date, your account may be over paid. The credit balance will be refunded back to you. If you pay the Payoff Amount shown after your good-through date. your account may not be paid off as you may have incurred additional interest and/or fees. You will receive a statement for the remaining balance prior to your next due date. 8- Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. All disputes must be sent in writing to the following address: ATTN: COAF Credit Bureau Dispute, Capital One Auto Finance. PO Box 259407. Plano, TX 75025-9407. Phone Authorization for Electronic Payments: 1- You may authorize us to initiate one-time or recurring payment(s) that will be electronically debited from your bank account by phone at 1-800-946-0332. 2- Confirmation of your phone authorization for recurring payments will be sent to you by mail. 3- Your authorization for one-time payment(s) will remain in effect until your payment(s) is electronically debited from your bank account, or until you direct us to stop it. 4- You may make an electronic payment at no cost by either going online at www.caDitalone.com. using our automated phone service at 1-800-946-0332. or speaking with an agent at 1-800-946-0332. 5- If you wish to modify or cancel your payment(s). please call us at 1-800-946-0332. Monday through Friday. from 8:00 a.m. to 9:00 p.m. Eastern Time. Any change to your one-time payment(s) must be completed by 5:00 p.m. Eastern Time on the payment date. Any change to your DirectPay payment must be received 3 business days before your payment date to be effective for this month; otherwise. the change will be effective starting next month. Capital One Auto Finance is a division of Capital One. National Association: successor to Onyx Acceptance Corporation and NFB Funding. Inc. EFTA00123916 CapitalDrie Page 2 of 2 Auto Finance Statement Date : 02/1812019 Capital One Auto Finance PO Box 60511 City of Industry. CA 91716.0511 YOUR MONTHLY STATEMEN 1.800946.0332 Account Number: Vehicle: 15 JEEP WRANGLER TRANSACTION HISTORY/21/2019 - 02/17/2019 Posting Date Effective Date Description Principal Interest Late Fees Other Fees Total BEGINNING BALANCE $12.966.16 $14.03 $0.00 $0.00 $12.980.19 02/07/2019 02/07/2019 Payment Received -$303.18 -$48.09 $0.00 $0.00 -$351.27 Interest Accrued this Period $0.00 $55.58 $0.00 $0.00 $55.58 ENDING BALANCE $12.662.98 $21.52 $0.00 $0.00 $12.684.50 SCHEDULED PAYMENIM18/2019 - 03/11/2019 Effective Date Description Payment Amount 03/07/2019 Recurring ACH Payment $351.27 TOTAL SCHEDULED PAYMENTS $351.27 PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT See reverse side to update your address. Account Number: Auto Finance Total Due. if scheduled payments are made as planned : $0.00 BROOKLYN, NY 112344029 Due Date: 03/11/2019 Amount Enclosed: $ MAIL PAYMENT INSTRUCTIONS • Please send your payment along with this payment coupon in the enclosed envelope. • Make your check payable to Capital One Auto Finance and include your account number on your check. DO NOT SEND CASH! • Payments will be processed according to our posting policy and Capital One Auto Finance not any instructions written on your check. PO Box 60511 • Don't staple or paper clip your check to the payment slip. City of Industry, CA 91716-0511 • Be sure to use the envelope provided. • Enclose payments for this account only. 1 EFTA00123917  PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT CHANGE OF ADDRESS (Please print using blue or black ink) Current Address: BROOKLYN, NY 11234-4029 New Address Caane Auto Finance City State Zap Home Phone Alternate Phone EFTA00123918 CapitalOne Page 1 of 2 Auto Finance Statement Date : 03/21/2019 Capital One Auto Finance PO Box 60511 City of Industry. CA 91716.0511 YOUR MONTHLY STATEMEN 1.808946.0332 Account Number: BROOKLYN, NY 11234-4029 Vehicle: 15 JEEP WRANGLER ACCOUNT STATUS CURRENT HOW TO MAKE A PAYMENT You have setup your account on our DirectPay recurring payment program. Details of your payments scheduled to process between the date of this statement and your due date are shown in the Scheduled Payments' section on Jo page 2. The total scheduled payments are shown below. PAY ONLINE www.capitalone.com YOUR PAYMENT INFORMATION Past Due Payment(s) $0.00 Total Unpaid Late Fees $0.00 Total Unpaid Other Fees $0.00 Current Due Payment 5351.27 PAY BY PHONE Call 1-800-946-0332 Mon - Fri. 8:00 a.m. - 9:00 p.m. EST Total Due $351.27 Total Scheduled Payments $351.27 Total Due, if scheduled payments are made as planned $0.00 Due Date 04/11/2019 PAY BY MAIL Capital One Auto Finance PO Box 60511 City of Industry, CA 91716-0511 Payoff Amount good through 03/31/2019 $12,412.36 • Add money to each payment - an extra SMALL STEPS. $25 can go a long way! • Make one extra payment each year BIG RESULTS. • Make half payments every two weeks To learn more money saving tips, visit www.caoitalone.com LEARN THE LITTLE STEPS THAT CAN GO A LONG WAY IN SAVING YOU MONEY. EFTA00123919  IMPORTANT DISCLOSURES AND INSTRUCTIONS Important Customer Notices: 1- Mail Payment Information. • Please see the front of the payment coupon at the bottom of the second page on this statement for important mail payment instructions. • Please allow at least 5 business days (Monday through Saturday, except holidays) for postal delivery. • We will process payments received in our California payment processing center the same day if received before 12:00 p.m. Payments received after this time will be processed on the next business day (Monday through Saturday, except holidays). Regardless of when we process your payment, we will credit your account for the day we received your payment. • We may store your payment account information to allow you to make payments in the future. We will not process payments using this account information without your prior explicit authorization. 2- Electronic Authorization. Each time you send us a check, you authorize us to use information from your check to make a one-time electronic debit from your bank account for the amount of the check. This authorization applies to all checks received. If we cannot process the one-time electronic debit, you authorize us to debit your bank account using the original check. a paper draft, or other item. When we use information from your check to make a one-time electronic debit from your checking account, funds may be withdrawn from your bank account as soon as the same day you make. or we receive, your payment. You will not receive your check back from your financial institution. 3- Late Fees. Please remember. making your monthly payments in full and on time is important to avoid delinquency. If you are past due on your account, you may be assessed late fees in accordance with your contract. 4- Other Fees may include, but are not limited to. any of the following fees or charges . except where prohibited by law: NSF ("returned check fee). One-Time ACH, Debit Card. Due Date Change. Extension, Legal. Lien Filing, FedEx. and Repossession. 5- Scheduled Payments. If you modify/cancel your scheduled payment(s) on/after your statement date. please adjust your payment amount to ensure your Total Due on the front of this statement is paid by your due date. 6- Paying Your Account Ahead. Any amount paid over your Total Due shown on the front of this statement by your due date will be applied to your balance but will not further advance your due date. You will need to make at least one regular monthly payment every billing cycle by your due date until your account is paid in full, regardless of how much you paid in previous monthly billing cycles. 7- Payoff Amount. For your convenience. the amount needed to pay off your account on the date shown (the 'good-through date) is given on the front of this statement. This amount may change if any transactions are posted to your account before your payoff good-through date. • If you pay the Payoff Amount shown before your good-through date, your account may be over paid. The credit balance will be refunded back to you. If you pay the Payoff Amount shown after your good-through date. your account may not be paid off as you may have incurred additional interest and/or fees. You will receive a statement for the remaining balance prior to your next due date. 8- Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. All disputes must be sent in writing to the following address: ATTN: COAF Credit Bureau Dispute, Capital One Auto Finance. PO Box 259407. Plano, TX 75025-9407. Phone Authorization for Electronic Payments: 1- You may authorize us to initiate one-time or recurring payment(s) that will be electronically debited from your bank account by phone at 1-800-946-0332. 2- Confirmation of your phone authorization for recurring payments will be sent to you by mail. 3- Your authorization for one-time payment(s) will remain in effect until your payment(s) is electronically debited from your bank account, or until you direct us to stop it. 4- You may make an electronic payment at no cost by either going online at www.caDitalone.com. using our automated phone service at 1-800-946-0332. or speaking with an agent at 1-800-946-0332. 5- If you wish to modify or cancel your payment(s). please call us at 1-800-946-0332. Monday through Friday. from 8:00 a.m. to 9:00 p.m. Eastern Time. Any change to your one-time payment(s) must be completed by 5:00 p.m. Eastern Time on the payment date. Any change to your DirectPay payment must be received 3 business days before your payment date to be effective for this month; otherwise. the change will be effective starting next month. Capital One Auto Finance is a division of Capital One. National Association: successor to Onyx Acceptance Corporation and NFB Funding. Inc. EFTA00123920 CapitalOre Page 2 of 2 Auto Finance Statement Date : 03/21/2019 Capital One Auto Finance PO Box 60511 City of Industry. CA 91716.0511 YOUR MONTHLY STATEMEN 1.800946.0332 Account Number: Vehicle: 15 JEEP WRANGLER TRANSACTION HISTORY/18/2019 - 03/20/2019 Pasting Date Effective Date Description Principal Interest Late Fees Other Fees Total BEGINNING BALANCE $12.662.98 $21.52 $0.00 $0.00 $12.684.50 03/07/2019 03107/2019 Payment Received -$296.49 -$54.78 $0.00 $0.00 -$351.27 Interest Accrued this Period $0.00 $60.02 $0.00 $0.00 $60.02 ENDING BALANCE $12.366.49 $26.76 $0.00 $0.00 $12.393.25 SCHEDULED PAYMEN13/21/2019 - 04/11/2019 Effective Date Description Payment Amount 04/07/2019 Recurring ACH Payment $351.27 TOTAL SCHEDULED PAYMENTS $351.27 PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT See reverse side to update your address. Account Number: Auto Finance Total Due. if scheduled payments are made as planned : $0.00 BROOKLYN, NY 112344029 Due Date: 04/11/2019 Amount Enclosed: $ MAIL PAYMENT INSTRUCTIONS • Please send your payment along with this payment coupon in the enclosed envelope. • Make your check payable to Capital One Auto Finance and include your account number on your check. DO NOT SEND CASH! • Payments will be processed according to our posting policy and Capital One Auto Finance not any instructions written on your check. PO Box 60511 • Don't staple or paper clip your check to the payment slip. City of Industry, CA 91716-0511 • Be sure to use the envelope provided. • Enclose payments for this account only. 1 EFTA00123921  PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT CHANGE OF ADDRESS (Please print using blue or black ink) Current Address: BROOKLYN, NY 11234-4029 New Address Caane Auto Finance City State Zap Home Phone Alternate Phone EFTA00123922 CapitalOne Page 1 of 2 Auto Finance Statement Date : 04/20/2019 Capital One Auto Finance PO Box 60511 City of Industry. CA 917160511 YOUR MONTHLY STATEMEN 1.800.946.0332 Account Number: BROOKLYN, NY 11234-4029 Vehicle: 15 JEEP WRANGLER ACCOUNT STATUS CURRENT HOW TO MAKE A PAYMENT You have setup your account on our DirectPay recurring payment program. Details of your payments scheduled to process between the date of this statement and your due date are shown in the Scheduled Payments' section on Jo page 2. The total scheduled payments are shown below. PAY ONLINE www.capitalone.com YOUR PAYMENT INFORMATION Past Due Payment(s) $0.00 Total Unpaid Late Fees $0.00 9 44% Total Unpaid Other Fees $0.00 Current Due Payment $351.27 PAY BY PHONE Call 1-800-946-0332 Mon - Fri. 8:00 a.m. - 9:00 p.m. EST Total Due $351.27 Total Scheduled Payments $351.27 Total Due. if scheduled payments are made as planned $0.00 Due Dale 05/11/2019 PAY BY MAIL Capital One Auto Finance PO Box 60511 City of Industry, CA 91716-0511 Payoff Amount good through 04/30/2019 $12,117.32 • Add money to each payment - an extra SMALL STEPS. $25 can go a long way! • Make one extra payment each year BIG RESULTS. • Make half payments every two weeks To learn more money saving tips. visit www.capitalone.com LEARN THE LITTLE STEPS THAT CAN GO A LONG WAY IN SAVING YOU MONEY. EFTA00123923  IMPORTANT DISCLOSURES AND INSTRUCTIONS Important Customer Notices: 1- Mail Payment Information. • Please see the front of the payment coupon at the bottom of the second page on this statement for important mail payment instructions. • Please allow at least 5 business days (Monday through Saturday, except holidays) for postal delivery. • We will process payments received in our California payment processing center the same day if received before 12:00 p.m. Payments received after this time will be processed on the next business day (Monday through Saturday, except holidays). Regardless of when we process your payment, we will credit your account for the day we received your payment. • We may store your payment account information to allow you to make payments in the future. We will not process payments using this account information without your prior explicit authorization. 2- Electronic Authorization. Each time you send us a check, you authorize us to use information from your check to make a one-time electronic debit from your bank account for the amount of the check. This authorization applies to all checks received. If we cannot process the one-time electronic debit, you authorize us to debit your bank account using the original check. a paper draft, or other item. When we use information from your check to make a one-time electronic debit from your checking account, funds may be withdrawn from your bank account as soon as the same day you make. or we receive, your payment. You will not receive your check back from your financial institution. 3- Late Fees. Please remember. making your monthly payments in full and on time is important to avoid delinquency. If you are past due on your account, you may be assessed late fees in accordance with your contract. 4- Other Fees may include, but are not limited to. any of the following fees or charges . except where prohibited by law: NSF ("returned check fee). One-Time ACH, Debit Card. Due Date Change. Extension, Legal. Lien Filing, FedEx. and Repossession. 5- Scheduled Payments. If you modify/cancel your scheduled payment(s) on/after your statement date. please adjust your payment amount to ensure your Total Due on the front of this statement is paid by your due date. 6- Paying Your Account Ahead. Any amount paid over your Total Due shown on the front of this statement by your due date will be applied to your balance but will not further advance your due date. You will need to make at least one regular monthly payment every billing cycle by your due date until your account is paid in full, regardless of how much you paid in previous monthly billing cycles. 7- Payoff Amount. For your convenience. the amount needed to pay off your account on the date shown (the 'good-through date) is given on the front of this statement. This amount may change if any transactions are posted to your account before your payoff good-through date. • If you pay the Payoff Amount shown before your good-through date, your account may be over paid. The credit balance will be refunded back to you. If you pay the Payoff Amount shown after your good-through date. your account may not be paid off as you may have incurred additional interest and/or fees. You will receive a statement for the remaining balance prior to your next due date. 8- Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. All disputes must be sent in writing to the following address: ATTN: COAF Credit Bureau Dispute, Capital One Auto Finance. PO Box 259407. Plano, TX 75025-9407. Phone Authorization for Electronic Payments: 1- You may authorize us to initiate one-time or recurring payment(s) that will be electronically debited from your bank account by phone at 1-800-946-0332. 2- Confirmation of your phone authorization for recurring payments will be sent to you by mail. 3- Your authorization for one-time payment(s) will remain in effect until your payment(s) is electronically debited from your bank account, or until you direct us to stop it. 4- You may make an electronic payment at no cost by either going online at www.caDitalone.com. using our automated phone service at 1-800-946-0332. or speaking with an agent at 1-800-946-0332. 5- If you wish to modify or cancel your payment(s). please call us at 1-800-946-0332. Monday through Friday. from 8:00 a.m. to 9:00 p.m. Eastern Time. Any change to your one-time payment(s) must be completed by 5:00 p.m. Eastern Time on the payment date. Any change to your DirectPay payment must be received 3 business days before your payment date to be effective for this month; otherwise. the change will be effective starting next month. Capital One Auto Finance is a division of Capital One. National Association: successor