District Court, District of Columbia February 27, 2018, C.A. No. 17–cv–40040–TSH (Oyola v. Midland Funding, LLC)

Facts

On September 4, 2014, Plaintiff opened a Credit One credit card account (the "Account"). The Vice President of Credit One and an authorized representative of MHC Receivables, LLC ("MHC"), and FNBM, LLC ("FNBM"), Vicky Scott, states that *16after an account holder opens an account, Credit One mails their credit card, enclosed with Credit One's VISA/MASTERCARD CARDHOLDER AGREEMENT, DISCLOSURE