EFTA00123943.pdf

CaPitaiOne Page 1 of 2 Auto Finance Statement Date : 12/21/2016 Capital One Auto Finance PO Box 60511 Ci of Indust . CA 91716.0511 YOUR MONTHLY STATEMEN JAIME RIVAS WILLIAMS Account Number: BROOKLYN, NY 11234 Vehicle: 15 JEEP WRANGLER ACCOUNT STATUS CURRENT HOW TO MAKE A PAYMENT YOUR PAYMENT INFORMATION Jo Past Due Payment(s) $0.00 Total Unpaid Late Fees $0.00 PAY ONLINE Total Unpaid Other Fees $0.00 www.capitalone.com Current Due Payment $351.27 Total Due $351.27 es k Due Date 01/11/2017 PAY BY PHONE Call Mon - Fri. 8:00 a.m. - 9:00 p.m. EST PAY BY MAIL Capital One Auto Finance PO Box 60511 City of Industry, CA 91716-0511 Payoff Amount good through 12/31/2016 $21,477.19 • 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. EFTA00123943  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 When we use information from your check to make a one-time electronic debit from your checking account, funds may be withdrawn from your bank account as soon as the same day you make.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 ACK 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 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.caoitalone.com. using our automated phone service at . or speaking with an agent at 5- If you wish to modify or cancel your payment(s). please call us at . 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, and services the following Capital One affiliated company: Onyx Acceptance Corporation. EFTA00123944 Capital(Tie Page 2 of 2 Auto Finance Statement Date : 12/21/2016 Capital One Auto Finance PO Box 60511 Ci of Indust . CA 91716.0511 YOUR MONTHLY STATEMEN Account Number: Vehicle: 15 JEEP WRANGLER TRANSACTION HISTORY/12/2016 - 12/20/2016 Posting Date Effective Date Description Principal Interest Late Fees Other Fees Total BEGINNING BALANCE $0.00 $0.00 $0.00 $0.00 $0.00 12120/2016 12/1212016 Amount Financed $21.414.50 $0.00 $0.00 $0.00 $21.414.50 Interest Accrued this Period $0.00 $29.69 $0.00 $0.00 $29.69 ENDING BALANCE $21.414.50 $29.69 $0.00 $0.00 $21.444.19 SCHEDULED PAYMENTS/21/2016 - 01/11/2017 Effective Date Description Payment Amount You have authorized no scheduledpayments with Capital One Auto Finance as of your statement data PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT See reverse side to update your address. Account Number: Auto Finance JAIME RIVAS WILLIAMS Total Due: $351.27 BROOKLYN. NY 11234 Due Date: 01/11/2017 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 62031308001453914100100003512714 EFTA00123945  PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT CHANGE OF ADDRESS (Please print using blue or black ink) MAKE PAYMENTS AUTOMATICAL Current Address: Sign up for DirectPay by downloading our mobile app or JAIME RIVAS WILLIAMS visiting www.capitalone.com BROOKLYN. NY 11230 Downheed on the Capital One Mobile app is available on the App Store 111 App Store for iPhone and iPad New Address E., Ong ON Capital One Mobile app is City State Zip P P Gooale Play available on Google Play TM Home Phone Alternate Phone EFTA00123946 Capita!One Page 1 of 2 Auto Finance Statement Date : 01/21/2017 Capital One Auto Finance PO Box 60511 City of Indust . CA 917160511 YOUR MONTHLY STATEMEN JAIME RIVAS WILLIAMS Account Number: BROOKLYN, NY 11234 Vehicle: 15 JEEP WRANGLER ACCOUNT STATUS CURRENT HOW TO MAKE A PAYMENT You have setup your account on our OirectPay 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 edi Total Unpaid Other Fees $0.00 Current Due Payment $351.27 PAY BY PHONE Call 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 02/11/2017 PAY BY MAIL Capital One Auto Finance PO Box 60511 City of Industry, CA 91716-0511 Payoff Amount good through 01/31/2017 $21,227.51 • 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. EFTA00123947  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 ACK 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 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.caoitalone.com. using our automated phone service at . or speaking with an agent at 5- If you wish to modify or cancel your payment(s). please call us at . 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, and services the following Capital One affiliated company: Onyx Acceptance Corporation. EFTA00123948 Capitane Page 2 of 2 Auto Finance Statement Date : 01/21/2017 Capital One Auto Finance PO Box 60511 Ci of Indust . CA 91716.0511 YOUR MONTHLY STATEMEN Account Number: Vehicle: 15 JEEP WRANGLER TRANSACTION HISTOILT/21/2016 - 01/20/2017 Posting Date Effective Date Description Principal Interest Late Fees Other Fees Total BEGINNING BALANCE $21.414.50 $29.69 $0.00 $0.00 $21.444.19 01/07/2017 01/07/2017 Payment Received -$265.42 -$85.85 $0.00 $0.00 -$351.27 Interest Accrued this Period $0.00 $101.91 $0.00 $0.00 $101.91 ENDING BALANCE $21.149.08 $45.75 $0.00 $0.00 $21.194.83 SCHEDULED PAYMENSS/21/2017 - 02/11/2017 Effective Date Description Payment Amount 02/07/2017 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 JAIME RIVAS WILLIAMS Total Due. if scheduled payments are made as planned : $0.00 BROOKLYN, NY 11230 Due Date: 02/11/2017 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 62031308001453914100100000000010 EFTA00123949  PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT CHANGE OF ADDRESS (Please print using blue or black ink) Current Address: JAIME RIVAS WILLIAMS BROOKLYN. NY 11234 New Address Caph ie Auto Finance City State Zip Home Phone Alternate Phone EFTA00123950 CapitaIthe Page 1 of 2 Auto Finance Statement Date : 02/18(2017 Capital One Auto Finance PO Box 60511 Oil of Indust' . CA 917160511 YOUR MONTHLY STATEMEN JAIME RIVAS WILLIAMS 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 OP, Total Unpaid Other Fees $0.00 Current Due Payment $351.27 PAY BY PHONE Call 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 03/11/2017 PAY BY MAIL Capital One Auto Finance PO Box 60511 City of Industry, CA 91716-0511 Payoff Amount good through 02/28(2017 $20,966.93 • 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. EFTA00123951  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 ACK 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 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.caoitalone.com. using our automated phone service at . or speaking with an agent at 5- If you wish to modify or cancel your payment(s). please call us at . 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, and services the following Capital One affiliated company: Onyx Acceptance Corporation. EFTA00123952 Cam Page 2 of 2 Auto Finance Statement Date : 02/18/2017 Capital One Auto Finance PO Box 60511 Ci of Indust . CA 91716.0511 YOUR MONTHLY STATEMEN Account Number: Vehicle: 15 JEEP WRANGLER TRANSACTION HISTORY/21/2017 - 02/17/2017 Posting Date Effective Date Description Principal Interest Late Fees Other Fees Total BEGINNING BALANCE $21.149.08 $45.75 $0.00 $0.00 $21.194.83 02/07/2017 02/07/2017 Payment Received -$249.97 -$101.30 $0.00 $0.00 -$351.27 Interest Accrued this Period $0.00 $91.08 $0.00 $0.00 $91.08 ENDING BALANCE $20.899.11 $35.53 $0.00 $0.00 $20.934.64 SCHEDULED PAYMEN12/18/2017 - 03/11/2017 Effective Date Description Payment Amount 03/07/2017 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 JAIME RIVAS WILLIAMS Total Due. it scheduled payments are made as planned : $0.00 BROOKLYN, NY 112344029 Due Date: 03/11/2017 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 62031308001453914100100000000010 EFTA00123953  PLEASE DETACH AND RETURN THE PORTION BELOW WITH YOUR PAYMENT CHANGE OF ADDRESS (Please print using blue or black ink) Current Address: JAIME RIVAS WILLIAMS BROOKLYN, NY 11234-4029 New Address Capita — Auto Finance City State Zip Home Phone Alternate Phone EFTA00123954 CaptO Page 1 of 2 Auto Finance Statement Date : 03/21/2017 Capital One Auto Finance PO Box 60511 City of Indust . CA 91716.0511 YOUR MONTHLY STATEMEN JAIME RIVAS WILLIAMS 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. Your scheduled payments include an additional principal payment(s). PAY ONLINE which does not affect your Total Due. We have removed the additional www.capitalone.com principal payment(s) from the Total Scheduled Payments shown below. YOUR PAYMENT INFORMATION gra Past Due Payment(s) $0.00 Total Unpaid Late Fees $0.00 PAY BY PHONE Total Unpaid Other Fees $0.00 Call Current Due Payment $351.27 Mon - Fri. 8:00 a.m. - 9:00 p.m. EST Total Due $351.27 Total Scheduled Payments (see note above) $351.27 Total Due. if scheduled payments are made as planned $0.00 Due Date 04/11/2017 PAY BY MAIL Capital One Auto Finance PO Box 60511 City of Industry, CA 91716-0511 Payoff Amount good through 03/31/2017 $20,714.80 • 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. EFTA00123955  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 ACK 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 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.caoitalone.com. using our automated phone service at . or speaking with an agent at 5- If you wish to modify or cancel your payment(s). please call us at . 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, and services the following Capital One affiliated company: Onyx Acceptance Corporation. EFTA00123956 Capi at ' Page 2 of 2 Auto Finance Statement Date : 03/21/2017 Capital One Auto Finance PO Box 60511 Ci of Indust . CA 91716.0511 YOUR MONTHLY STATEMEN