IN THE DISTRICT COURT OF OKLAHOMA COUNTY
STATE OF OKLAHOMA
TRUE SKY FEDERAL CREDIT UNION )
)
Plaintiff,
)
vs.
)
MATTHEW COONCE,
)
Defendant.
PETITION
Plaintiff, True Sky Federal Credit Union ("TSFCU"), for its cause of action against Defendant, Matthew Coonce ("Defendant"), alleges and states as follows:
1. On or about September 18, 2020, Defendant executed a credit card open account (hereinafter referred to as the "Contract") and became obligated to pay TSFCU for all charges made thereon. See Exhibit “A”.
2. Defendant defaulted on the Contract by failing to timely pay and is indebted to TSFCU in the amount of $14,622.60 as of February 10, 2026.
3. TSFCU is entitled to contractual interest, reasonable attorney's fees and its reasonable costs of collection under the terms of the Contract and under 12 O.S. §936.
4. Pursuant to the Servicemember’s Civil Relief Act of 2003, TSFCU has reviewed the Department of Defense website and determined Defendant is not in the military. See the Affidavit attached hereto as Exhibit “B”.
5. Pursuant to 40 O.S. §4-508(D), TSFCU requests an Order that at any time or times subsequent to the filing of this order, the Oklahoma Employment Security Commission shall produce,
within thirty (30) days of receipt of this order, employment information of the Defendant.
WHEREFORE, True Sky Federal Credit Union prays for judgment against Defendant, Matthew Coonce for $14,622.60, plus contractual interest, TSFCU’s reasonable attorney’s fees and costs incurred in pursuit of this action, TSFCU’s reasonable attorney’s fees and costs incurred in collection of the Judgment and for such other and further relief as this Court deems just and proper.
Respectfully submitted,
Jeffery S. Ludlam, OBA #17822
HALL & LUDLAM, PLLC
210 Park Ave, Suite 3001
Oklahoma City, OK 73102
(405) 600-9500 Telephone
(405) 871-5403 Facsimile
[email protected]
True Sky Credit Union
10201 S. Western Ave.
Oklahoma City, OK 73139
405-682-1980
FAX: 405-703-2484
www.trueskycu.org
LOAN APPLICATION
Married Applicants may apply for a separate account. Check the appropriate box to indicate Individual Credit or Joint Credit.
[X] Individual Credit: Complete Applicant sections if only the applicant’s income is considered for loan approval.
Complete Applicant and Co-Applicant sections: (1) if you are relying on income from alimony, child support, or separate maintenance or on the income or assets of another person as the basis for repayment of credit requested; (2) if you reside in a Community Property State; (3) if you are relying on property located in a Community Property State as a basis for repayment of the credit requested; or (4) if you are an Alaska resident subject to a community property agreement or community property trust. Community Property States include: AZ, CA, ID, LA, NM, NV, TX, WA, WI.
[ ] Joint Credit: Complete Applicant and Co-Applicant sections if your co-applicant will be contractually liable for repayment of the loan and initial below:
We intend to apply for joint credit. ___________________________ (Applicant Initials) ___________________________ (Co-Applicant Initials)
PLEASE CHECK BELOW TO INDICATE THE TYPE OF ACCOUNT(S) AND TYPE OF CREDIT FOR WHICH YOU ARE APPLYING.
[ ] Account/Loan: [X] Individual [ ] Joint
(Including ATM/Debit Card Access to the Account if Available)
Amount Requested $
Purpose/Collateral:
[ ] Other Loan Request
Repayment: [ ] Payroll Deduction [ ] Billing Notice
[ ] Automatic Payment [ ] Web Pay
[ ] Other
Credit Cards: [X] Individual [ ] Joint
[X] Visa Classic
[ ] Visa Gold
[ ] Visa Platinum
[ ] Visa Cash Back
[ ] Visa Secured
AMY LYNE COONCE
If Authorized user, name
Date of Birth
SEE SEPARATE PAGE FOR IMPORTANT INFORMATION ABOUT CREDIT CARDS
APPLICANT
NAME (Last - First - Initial): MATTHEW NIELL COONCE
SOCIAL SECURITY NUMBER
EMAIL ADDRESS:
[email protected]
BIRTH DATE: 08/14/1983
PRESENT ADDRESS (Street • City • State • Zip):
1025 N CHARLOTTE TERR
MUSTANG, OK 73064
PREVIOUS ADDRESS (Street • City • State • Zip):
225 WEST SPLIT BRANCH WAY MUSTANG, OK 73064
PURCHASE PRICE OF HOME:
$ _______________________
PRESENT HOME VALUE:
$
MORTGAGE BALANCE:
$
MONTHLY PAYMENT (MORTGAGE/RENT):
$ 825.00
CO-APPLICANT [ ] NON-APPLICANT SPOUSE/OTHER [ ] GUARANTOR [ ]
NAME (Last - First - Initial)
ACCOUNT NUMBER
SOCIAL SECURITY NUMBER
MOTHER'S MAIDEN NAME
EMAIL ADDRESS
FAX NUMBER
BIRTH DATE
HOME PHONE
BUSINESS PHONE/EXT.
PRESENT ADDRESS (Street • City • State • Zip):
[ ] OWN [X] RENT
YEARS/MONTHS AT THIS ADDRESS 0 Years 1 Mth
PREVIOUS ADDRESS (Street • City • State • Zip)
[ ] OWN [ ] RENT
YEARS/MONTHS AT THIS ADDRESS
PLEASE COMPLETE ONLY IF YOU ARE APPLYING FOR JOINT CREDIT, SECURED CREDIT, OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE.
[X] MARRIED [ ] SEPARATED [ ] UNMARRIED (Single - Divorced - Widowed)
EMPLOYMENT
NAME AND ADDRESS OF EMPLOYER
ASCENT RESOURCES
HIRE DATE: 03/17/2019
POSITION: ENGINEER
PRIOR EMPLOYER
AGIO
INCOME
OTHER INCOME NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.
EMPLOYMENT INCOME (GROSS) $ 125,000.00 PER YEARLY SOURCE
OTHER INCOME (GROSS) $ _______________________
OTHER INCOME NOTICE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.
EMPLOYMENT INCOME (GROSS) $ 0.00 PER
OTHER INCOME (GROSS) $ _______________________
PER SOURCE
REFERENCES
NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU HOME NUMBER NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU HOME NUMBER
RELATIONSHIP RELATIONSHIP
STATE NOTICES
OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
WISCONSIN RESIDENTS ONLY: Marital Status: □ Married □ Unmarried □ Legally Separated
If married: the name of my spouse is ____________________________
Spouse's SSN: ___________________ □ Spouse's Address (if different) ____________________________
Notice: No provision of any marital property agreement, unilateral statement under Section 768.59, or court decree under Section 768.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or has actual knowledge of its terms, before the credit is granted or the account is opened.
MARRIED WISCONSIN RESIDENTS APPLYING FOR AN INDIVIDUAL ACCOUNT: In accordance with Wisconsin Statutes section 768.55(1) by signing here, I state that the credit being applied for, if granted, will be incurred in the interest of the marriage or family of the Borrower(s).
X ________________________________
SECURITY INTEREST
THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS APPLICATION.
IF YOUR APPLICATION IS APPROVED, YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.
Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not subject to this security interest.
If you have other loans with us, collateral securing such loans will also secure our obligations under this Agreement, unless that other collateral is your principal residence or non-purchase money household goods.
MAC (Applicant Initials) ___________________ (Co-Applicant Initials)
CONSENT FORM FOR OVER-THE-CREDIT LIMIT TRANSACTIONS (If you are applying for a credit card):
Your choice regarding over-the-credit limit coverage
Unless you tell us otherwise, we will decline any transaction that causes you to go over your credit limit. If you want us to authorize these transactions, you can request over-the-credit limit coverage.
If you have over-the-credit limit coverage and you go over your credit limit, we will charge you a fee up to $27.50. You will only pay one fee per billing cycle, even if you go over your limit multiple times in the same cycle.
Even if you request over-the-credit limit coverage, in some cases we may still decline a transaction that would cause you to go over your limit, such as if you are past due or significantly over your credit limit.
If you want over-the-limit coverage and to allow us to authorize transactions that go over your credit limit, please:
• Call us at 1-800-448-1660 ;
• Visit www.trueskycu.org; or
• Check or initial the box below, and return the form to us at PO Box 28408, Oklahoma city, OK 73128,
□ I want over-the-credit-limit coverage. I understand that if I go over my credit limit, I will be charged a fee up to $27.50. I have the right to cancel this coverage at any time by contacting you at the above phone number/website.
[X] I do not want over-the-credit-limit coverage. I understand that transactions that exceed my credit limit will not be authorized.
MAC (Applicant Initials) ___________________ (Co-Applicant Initials)
LOAN APPLICATION SIGNATURES
PLEASE READ BEFORE SIGNING:
All the information in this application is true. I understand that section 1014 Title 18 U.S. Code makes it a federal crime to knowingly make a false statement on this application. You have my permission to check it. You may retain this application even if not approved. I understand that you may receive information from others about my credit and you may answer questions and requests from others seeking credit or experience information about me or my accounts with you. If this application is approved, I agree to honor the provisions of the credit or loan agreement and security agreement or credit card agreement covering my account or loan. (If this application is for two of us, this statement applies to both of us.)
Consumer and Credit Report Authorization. By signing this Application, I authorize you to obtain my consumer and/or credit report for the purposes of evaluating this application and to obtain subsequent credit reports on an on-going basis in connection with this transaction, and for all other legitimate purposes, such as reviewing my accounts or taking collection action on the account. I authorize you to receive and review other information about me, such as my employment and income information, from third-parties or consumer reporting agencies.
Vermont Residents: Applicant provided consent via phone ________________ (Credit Union Initials)
IMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorisim and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for me: When I open an account, you will ask for my name, address, date of birth, and other information that will allow you to identify me. You may also ask to see my driver's license or other identifying information.
SIGNATURE OF APPLICANT DATE SIGNATURE OF CO-APPLICANT DATE
MATTHEW NEU COADE 9/18/2020 4:22 PM PDT
HAVE YOU OMITTED ANYTHING? REMEMBER: INCOMPLETE APPLICATIONS CANNOT BE PROCESSED.
IN THE DISTRICT COURT OF OKLAHOMA COUNTY
STATE OF OKLAHOMA
TRUE SKY FEDERAL CREDIT )
UNION,
Plaintiff,
vs.
MATTHEW COONCE,
Defendant.
Case No.
SCRA AFFIDAVIT
State of Oklahoma,
County of Oklahoma,
I, Lois A. Clarkson, state that I am a Paralegal for Hall & Ludlam, PLLC, authorized to make this affidavit on its behalf in this case.
As of the current date, the Defendant, MATTHEW COONCE., is not in military service according to the SCRA website.
I have used the Servicemembers Civil Relief Act Website (https://scra.dmdc.osd.mil/) to determine the Defendant’s military status as attached hereto.
Pursuant to 28 U.S.C. § 1746 and 12 O.S. § 426, I state under penalty of perjury that the foregoing is true and correct.
Executed on Feb. 16, 2026.
Lois A. Clarkson, Paralegal
Jeffery S. Ludlam, OBA # 17822
HALL & LUDLAM, PLLC
210 Park Ave., Ste. 3001
Oklahoma City, OK 73102
P: 405-600-9500 | F: 405-600-9550
E:
[email protected] [email protected]
Attorneys for True Sky Federal Credit Union
Department of Defense Manpower Data Center
Status Report
Pursuant to Servicemembers Civil Relief Act
SSN: XXX-XX-0390
Birth Date: Jun-XX-1983
Last Name: COONCE
First Name: MATTHEW
Middle Name:
Status As Of: Feb-16-2026
Certificate ID: 6RDJKF9KFTN7BWJ
<table>
<tr>
<th colspan="4">On Active Duty On Active Duty Status Date</th>
</tr>
<tr>
<th>Active Duty Start Date</th>
<th>Active Duty End Date</th>
<th>Status</th>
<th>Service Component</th>
</tr>
<tr>
<td>NA</td>
<td>NA</td>
<td>No</td>
<td>NA</td>
</tr>
<tr>
<td colspan="4">This response reflects the individuals' active duty status based on the Active Duty Status Date</td>
</tr>
</table>
<table>
<tr>
<th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th>
</tr>
<tr>
<th>Active Duty Start Date</th>
<th>Active Duty End Date</th>
<th>Status</th>
<th>Service Component</th>
</tr>
<tr>
<td>NA</td>
<td>NA</td>
<td>No</td>
<td>NA</td>
</tr>
<tr>
<td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td>
</tr>
</table>
<table>
<tr>
<th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th>
</tr>
<tr>
<th>Order Notification Start Date</th>
<th>Order Notification End Date</th>
<th>Status</th>
<th>Service Component</th>
</tr>
<tr>
<td>NA</td>
<td>NA</td>
<td>No</td>
<td>NA</td>
</tr>
<tr>
<td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td>
</tr>
</table>
Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty.
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems.
The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers’ and Sailors’ Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person’s status by contacting that person's Service. Service contact information can be found on the SCRA website’s FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c).
This response reflects the following information: (1) The individual’s Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date.
More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps).
Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1).
Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty.
Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected
WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided.
