Preview
Commonwealth of Virginia
City of Norfolk ss.
1, the undersigned = Venegas , Custodian of Records, for Portfolio Recovery Associates, LLC hereby
depose, affirm and state as follows:
1 T am competent to testify to the matters contained herein,
2. Yam an authorized employee of Portfolio Recovery Associates, LLC, (“Account Assignee”) which is doing business at
Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia, and I am authorized to make the statements,
representations and averments herein, and do so based upon a review of the business records of the Original Creditor CITIBANK,
N.A/BEST BUY and those records transferred to Account Assignee from CITIBANK, N.A. (“Account Seller”), which have
become a part of and have integrated into Account Assignee’s business records, in the ordinary course of business. The attached
documents are true copies of the originals except to the extent that confidential and privileged information is omitted or redacted
and personal identifying information is omitted or redacted as required by local rules, and applicable state and federal law.
3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds
of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having been sold,
assigned and transferred by the Account Seller on 04/25/2018. Further, the Account Assignee has been assigned all of the Account
Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or
adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any
purpose whatsoever.
4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course
of business by the Account Assignee, there was due and payable from SEBRINA HANLEY (“Debtor and Co-Debtor”) to the
Account Seller the sum of $3,019.67 with the respect to account number ending in 5597 as of the date of 01/30/2018 with there
being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale,
5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs
occurring subsequent to the date of sale, Account Assignee claims the sum of $3,019.67 as due and owing as of the date of this
affidavit.
6. Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the Defendant is not
on active military service of the United States.
Portfolio Recovery ‘iates, LLC
Ashley S Johnson-Willlams
a Somincreieail th of Virginia
This communication is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
AI2485 viMy Best Buy” o
Customer Service:
Account Statement
‘Send Notice of Billing Errors and Customer Service inquiries to:
BEST BUY CREDIT SERVICES
PO Box 790441, St Louis. MO 63179
bestbuy.accountontine.com
+ Account Inquiries:
Credit Card 1-888-620-5879
( a (
Summary of Account Activity Payment Information
previous Balance $2,909.35 _| | New Balance $3,019.67
ayments.. -$0.00_| | Ntinimum Payment Due $863.00
Other Credits -$0.00_| 5 it Due Dat: Febi 23, 2018
Purchases +$0.00 ayment Due Vale ebruary 23,
Cash Advances +30.00 | | Late Payment Warning; If we do not receive your minimum payment by the
Fees Charged $37.00 _| | date listed above, you may have to pay aiate fee up to $37.
Interest Charged +$73.32_| | Minimum Payment Warning: If you make only the minimum payment each
New Balance $3,019.67 _| | period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
Past Due Amount $722.00 - ‘5a
baer monn ae fe
Credit Limit $0.00. Only the minimum payment 12 years $6,958
Available Credit $0.00 $127 years $4,570
Amount Over Credit Limit $1,019.67 ’ (Savings=$2,388)
Statement Closing Date 01/29/2018 HM you would ike information about credit counseling services, call 1-877-337-8188.
Next Statement Closing Date 02/26/2018
\Days in Billing Cycle 31
New York residents may contact the New York State Department of Financial Services by telephone, 1-800-342-3736, or visit its website, www.dls.ny.gov,
for free information on comparative credit card rates, fees and grace periods.
Please see the enclosed privacy notice for important information.
Please note thatif we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
payment will not be reflected until your next statement.
Please update your phone number, including cell phone number on the back of the payment coupon.
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2.
Page 1 of 6
ith your payment 10 i
BHN20
This Account Is Issued by Citibank, NA.
Retain upper portion for your, +
UNL
PO BOX 6204
‘SIOUX FALLS, SO §7117-6204
Statement Enclosed
Pay your bill and more via your
Account Online
bestbuy.accountonline.com
Payment Due Date February 23, 2018
New Balance $3,019.67
Past Due Amount? $722.00
inimum Payment Due $863.00
SEBRINA HANLEY
671 CANAAN RD.
STRATFORD, CT 06614-4520
TPest Due Amount is included in the Minimum Payment Due.
Please print address changes on the reverse side.
Make Checks Payable tow
BEST BUY CREDIT SERVICES
PO BOX 9001007
LOUISVILLE. KY 40290-1007information About Your Account.
How to Avoid Paying Interest on Purchases. Your payment due
date is at least 25 days after the close of ea ig cycle. We will not
charge you any interest on purchases if you aay your New Balance by
the payment due date each month. This is called a grace period on
purchases. If you do not pay the New Balance in full by the payment
due date, you will not get a grece period on purchases until you pay the
New Baiance tn full for two niliing cycles in a row.
if you have a balance subject toad red inte: promotion and that
promation does not ire netore the payment due date, that balance
n "excluded balance”) is exciuded from the emount you must pay in
fo get a grace period on a purchase balance other than an excluded
balance. In addition, if you have a reduced rate credit pian, that balance
(en “excluded balance") is excluded from tne amount you must pay in
full to get a grace period on a purchase balance other than an excluded
balance. However, you must still pay any separately required payment on
the excluded batance. in billing cycles 'n which payments are allocated
to deferred interest balances first, the deferred interest balance wil
be reduced before any other baiance on the account. However, you wilt
continue to get a grace period on purchases, other than ar excluded
balance, so long as you pay the New Balance (less any excluded balance,
plus any separately required payment on an excluded balance) in full by
the payment due date each billing cycle. Deferred interest offers may
also be cailed Same As Cash or No interest,
tn addition, certain promotionai offers not described above may aiso
atlow you to have a grace period on purchases without having to pay
ail or a portion of the promotional balance by the payment due date.
if that is the case, the promotional offer will describe what happens.
How We Calcutate Your Salance Subject to Interest Rate. We use
daiy paiance metned (including current transactions) to calculate interest
charges. To find out more information about the balance computation
method and how the resulting interest charges were determined, contact
us at the Account Inquiries number on the frant.
Other Account and Payment information.
Payment Amount, You may pay ali or part of your account balance at
any time. However, you must pay, by the payment due date, at least the
minimum payment due.
When Your Payment Will Be Credited. it we receive your payment ir
proner form at our proces: facility by 5 p.m. locai time there, it will
pe credited as of that day. A gayment received there in proger form
after that time will be credited as of the next day. Ailow 5 to 7 days for
payments hy regular mail to reach us, There may be a delay of up to
5 days in crediting a payment we receive that is not In proper form or
is not sent to the correct address. The correct address for regular mai!
is the address on the front of the payment coupon, The correct address
for courier or express mail is the Express Mail Address shown in the
Express Mail section.
‘AS
IMPORTANT INFORMATION ON PAGE 4
Proper Form. For a payment sert ay mail or courier to ne in proper form,
you must:
+ Enclose a valid check or money order. No cash, gift cards,
of foreign currency please.
+ Include your name and the ‘ast four digits of your accaunt number.
Payment Other Than By Mail.
+ In-Store (Where Available). Ary payment in proper form accepted
In-store will be credited as of that day. However, credit evallaaiilty
may be subject to veritication of funds. Not ail stores accept payments.
Contact loca! store to see if in-store payments are accepted at
‘that location.
+ Online. Go to the URL on Page lof your statement to make a payment.
For security reasons, you may not be able to nay your entire New
Balance the first time you make a payment oniire. The payment cutoff
time for Caline Bifi Payments is midnight Eastern time, This means that
dit your account as of the calendar day, based on Eastern
time, that we receive your payment request.
+ AutoPay. Sign up at Account Oniine to have your payment amount
automatically deducted each month from the account you cnoost
Your card account will be credited on the due date with that amour
+ Phone. Cail the phone number on Page 1 of your statement to make
a payment. We may process your payment electronically after we
verify your identity. The payment cutoff time for Phone Payments is
midnight Eastern time. This means that we will credit your account
as of the calendar day, based on Eastern time, that we receive your
payment request.
+ Express Mail. Send payment by courier or express mail to:
Attn: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910,
Louisville, KY 40213. Payment must be received in proper form at the
proper address by 5 p.m, Eastern time to be credited as of that day. All
payments received in oroper form at the proper address after that time
wil be credited as of the next day.
if you send an eligible check with this payment coupon, you authorize
us to complete your payment by electronic debit. If we do, the checking
account will be debited in the amount on the check. We may do this as
soon as the day we receive the check. Also, the check will be destroyed.
09654
BBY PLNA DECIS - 2
IN/- HN - 9038-7001-0002 - Ni -/B/- 2052730646 - E /O/-E - 10-X-88 DAP -E-Y-O-N4E-7- - -0-0-/F/- 06/0/17 - 01/01/14 - 48 - December 29, 2017
IGEN ~~ PH-O- “YAY -V Ae = -0-0- = =» HECM
Page 2 of 6
Please provide change of address and update/add your
phone numbers’ here: (Use Siu o7 black ink.)
“Phone: By giving us a cell number or a number later converted to a
cell number, you agree that we or our service providers can contact
you at that number by autodialer, recorded or artificial voice, or a text.
Your phone plan charges may apply.Account: NNN 5597
TRANSACTIONS
Trans Date Description Reference # ‘Amount
FEES
owes UATE FEE s 37.00
TOTAL FEES FOR THIS PERIOD s 37.00
INTEREST CHARGED
01728 INTEREST CHARGE ON PURCHASES s 73.32
TOTAL INTEREST FOR THIS PERIOD s 73.32
Total Fees Charged in 2018
Total Interest Charged in 2018 $73.32
ACTIVITY AND PROMOTIONS DETAIL
Original Purchases,
Promotion Promotion Payments Cash Adv, Promotion Deferred — Promotion
Trans Trans Previous &Other Fees & Interest New Minimum Interest Expiration
Amount Date Balance _Credits_Other Debits Charged _—Balance_ Payment Due Charges Date
PURCHASES
REGULAR,
: : $2,909.35 : $37.00 $73.32___ $3,019.67 : : :
TOTAL $2,909.35 $0.00 $37.00 $73.32 $3,019.67 $0.00 $0.00
INTEREST CHARGE CALCULATION
evince
_ Your Al
ual Percentage Rate (APR) is th
}@ annual interest rate on you!
Piype ok erbetitage h § SAnterest Rate oe Interest
PURCHASES.
REGULAR 29.24% (MV) $2,952.94
(V) = Variable Rate
Page 3 ofCredit Reporting Disputes. If you think we reported inaccurate
information to a credit bureau write us at the Customer Service address
shown on Page |.
Report a Lost or Stolen Card Immediately. Cali the Account Inquiries
number shown on Page 1.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the
address for biling errors and customer service Inquiries shown on
Page iof your statement.
tn your letter, give us the following information:
+ Account information: Your name and account number.
unt: The dollar amount of the suspected error.
You must contact ust
+ Witnin 60 days after the error appeared on your stetement,
+ At least 3 business days before an automated payment is scheduled,
if you want to stop payment on the amount you think is wrong,
You must notify us of any potential errors in writing. You may call us,
but if you do we are not required to invest! ¥y potential errors and
you may have to pay the amount in question.
what Will Happen After We Recelve Your Letter
When we receive your letter, we must do two things:
1, Witnin 30 days of receiving your letter, we must tell you that
we received your letter. We will aiso tell you If we have already
corrected the error,
2. Within 90 days of receiving your ietter, we must either correct
the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
+ We cannot try to collect the amount in question,
or report you as definquent on that amount.
+ The charge in question may remain on your statement,
and we may continue te charge you interest on that amour!
+ White you do not have to pay the amount in question,
you are responsibie for the remainder of your balance.
+ We can apply any ungaid amount agztnst your credit mit,
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2
After we finish our Investigation, one of two things will happen:
made a mistake: You wil! not have to pey the amount in question
or other fees reiat ted to that amount.
= You will nave to pay the
‘able interest and fe
ndthe dat
y then report you as delinquent if you do not pay the
amount we think you owe,
It you receive our expienation but stili believe your oli is wrong, you
must write to us within 10 days tellin that you still refuse to pay.
If you de so, we cannot report you as delinquent without aiso resorting
that you are questioning your bili, We must tell you the name of
anyone to whom we reported you as delinquent, and we must iet those
organizations know when the matter nas been settied between us.
If we do not follow ail of the rules above, you do not have to pay the
first $50 of the amount you question even if your bill is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
if you are dissatistied with the goods or services that you have purchased
with your credit card, and you have tried In good faith to correct the
problem with the merchant, you may have the right not to pay the
remaining amount due on the purchase,
To use this right, all of the tellowing must be true:
The purchase must have been made in your home state or within 100
niles of your current mailing address, and the purchase orice must
nave been more than SSC. (Note: Neither of tnese are necessary it
your purchase was based on an advertisement we mailed to you, or
if we own the company that soid you the goods or services.)
2, You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that accesses
your credit card account do net qualify.
3. You must not yet have fully paid for the purchase.
if aii of the criteria above are met and you are stil! dissatisfied with the
purchase, contact Us | ting at the address for billing errors end
customer service inquiries shown on Page ’ of your statement.
While we investigate, the same rules apply to the disputed amount as
discussed above, After we finish our investigation, we will tell you our
decision, At that point, if we think you owe an amount and you do not
pay, we may report you as delingu
BBY PLA DECIS ~4
Page 4 of 6GLBSBBY 01/17
eu WHAT DOES CITIBANK DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives |
consumers the right to limit some but not all sharing. Federal law also requires us to tell
you how we collect, share, and protect your personal information.
Please read this notice carefully to understand what we do.
he types of personal information we collect and share depend on the pi
service you have with us. This information can include:
Social Security number and income
account balances and employment information
+ credit history and transaction history
{such as to process your transactions, maintain your
|account(s), respond to court orders and legal investigations,
or report to credit bureaus
be
\For our marketing purposes —
te offer our products and services to you
|For j
|For our affiliates’ everyday business purposes —
{information about your transactions and experiences
|For our affiliates’ everyday business purposes — i Yes
{information about your creditworthiness
|For our affiliates to market to you | |
iFor our nonaffiliates to market to you
Call 1-888-833- 4413 — our our menu will prompt you through your choice(s).
Y: 1-888-824-2323)
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date
we sent this notice. When you are no fonger our customer, we continue to share your
information as described in this notice.
Call 1-888-833-4413 or call the Customer Service number on vihe back of your credit |
card or on your billing statement. (TTY: 1-888-824-2323)
|
|
|
|
\
|
i
i
)
nel
1
|
Page 5 of 8This notice is provided by the retail partner cards group of Citibank, N.A., the bank |
that issues your credit card.
|
To protect your personal information from unauthorized access and use, we use|
security measures to comply with federal law. These measures include computer |
safeguards and secured files and buildings. :
| How does Citibank protect
imy personal information?
|
iL ann ne ee
How does Citibank collect —Twe collect your “personal information, for example, when you |
imy personal information? i provide account information or give us your contact information
I provide employment information or apply for a loan
* use your Credit or debit card
We also collect your personal information from others, such as credit bureaus, {
l affiliates, or other companies. |
nme
Why can’t | limit all sharing? _| Federal law gives you the right to limit only
+ sharing for affiliates’ everyday business purposes — information about your
| creditworthiness
| {+ affiliates from using your information to market to you
|» sharing for nonaffiliates to market to you.
{State laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law.
What happens when | limit |Your choices will apply to everyone on your account.
| Sharing for an account| hold |
jointly with someone else? L
: {Companies related by common ownership or control. They can be financial and
nonfinancial companies.
| Our affiliates include companies such as Citigroup Global Markets Inc.
|Nonaffiliates ‘Companies not related by common ownership or control. They can be financial |
i {and nonfinancial companies. |
| |
{¢ Nonaffiliates we share with can include companies engaged in direct marketing
i and the selling of consumer products and services.
\Joint marketing Tk formal agreement between nonaffiliated financial companies that together
i market financial products and services to you.
[+ Our joint marketing partners include insurance companies and other
| financial companies.
For Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as’
permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not
{share information about your creditworthiness with our affiliates except with your authorization.
|For California Residents: We will not share information we collect about you with nonaffiliated third parties, except as|
| permitted by California law, such as to process your transactions or to maintain your account.
|
———
We may share your personal information, as permitted by law, with the retailer whose name is on your card and with
the companies related to the retailer. You cannot limit this sharing.
nn en
i "important Information about Credit 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.
Page 6 ofContract 1D: PREMUMAAI21217
Document ID; PREMUMAA041918C6
Document ID: 041118PRIBBIEMBI
BILL OF SALE AND ASSIGNMENT
THIS BILL OF SALE AND ASSIGNMENT dated April 25, 2018, is by Citibank, N.A., a
national banking association organized under the laws of the United States, located at 701 East
60th Street North, Sioux Falls, SD 57117 (the “Bank”) to Portfolio Recovery Associates, LLC
("Buyer"), organized under the laws of Delaware, with its headquarters/principal place of
business at 130 Corporate Boulevard, Norfolk, VA 23502.
For value received and subject to the terms and conditions of the Master Purchase and Sale
Agreement dated December 12, 2017 and Addendum No. 6 dated April 19, 2018, between Buyer
and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant,
bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts
described in Exhibit 1 and the final electronic file.
Drive, Ste, 400
, MO BESS
saan. meconey@ett.com
‘Tithe: BIB-505-6180
PRA 121217 ‘Contract ID: PRSMUMAA121217
Document 1D: PRBMUMAA041918C6,
Document ID: 041118PRIBBIEMA1
Exhibit 1
The individual Accounts transferred are described in the final electronic file and delivered
by the Bank to Buyer, the same deemed attached hereto by this reference.
nt ~ 7
| tof Sale | carom
Lot ; Sale ID Accounts _| Sale Amount Date
. 04/11/18
j Best Buy ~ G41118PRIBBIEM |
Post Early
| Out Flow L
PRA 121217ACCOUNT NUMBER
SERRE BOT
SALE SEGMENT BESTBUY
PRODUCT IDENTIFIER 90387001
CODE
PRODUCT DESCRIPTION [BEST BUY CREDIT CARD
SALE ID 041118PR1BB1EM
SALE AMOUNT $3,019.67
PRINCIPAL $1,845.39
PRE CHARGE OFF $791.01
INTEREST
PRE CHARGE OFF FEES [$383.27
POST CHARGE OFF $0.00
INTEREST
POST CHARGE OFF FEES [$0.00
ORIGINAL LOAN BALANCE
CHARGE OFF BALANCE __|$3,019.67
CURRENT BALANCE $3,019.67
ACCOUNT OPEN DATE 1/14/2014 12:00:00 AM
DEFAULT DATE 7/28/2017 12:00:00 AM
CHARGE OFF DATE 1/30/2018 12:00:00 AM
LAST PAYMENT AMOUNT _ [$286.00
LAST PAYMENT DATE 6/8/2017 12:00:00 AM
LAST PURCHASE AMOUNT [$1,180.00
LAST PURCHASE DATE _|8/29/2016 12:00:00 AM
LAST BALANCE TRANSFER
AMOUNT
LAST BALANCE TRANSFER
DATE
LAST CASH ADVANCE
AMOUNT
LAST CASH ADVANCE
DATE
TOTAL PAYMENTS POST [$0.00
CHARGE OFF
FTOTAL NSF POST CHARGE [$0.00
OFF
TOTAL CREDITS POST $0.00
CHARGE OFF
CONSUMER FIRST AND —|SEBRINA
MIDDLE NAME
[CONSUMER LAST NAME __[HANLEY
CONSUMER RESIDENCE [571 CANAAN RD
ADDRESS 1
CONSUMER RESIDENCE
ADDRESS 2
CONSUMER RESIDENCE /STRATFORD
CITY
CONSUMER STATE CT
CONSUMER ZIP CODE "4520
CONSUMER RESIDENCE
COUNTRYCONSUMER RESIDENCE
PHONE
BAD NUMBER INDICATOR
N
CONSUMER SSN OR SIN
CONSUMER BIRTH DATE
AWARENESS INDICATOR
{LANGUAGE INDICATOR
J
im jo
iz
ATTORNEY LAW FIRM
ATTORNEY NAME
ATTORNEY PHONE
ATTORNEY ADDRESS
ATTORNEY CITY
ATTORNEY STATE.
ATTORNEY ZIP CODE
[BANKRUPTCY CHAPTER
BANKRUPTCY FILE DATE
BK PROOF OF CLAIM
PRINCIPAL
BK PROOF OF CLAIM
INTEREST.
[BK PROOF OF CLAIM FEE
BANKRUPTCY CASE
NUMBER
BANKRUPTCY TRUSTEE.
CO-BORROWER FIRST AND
MIDDLE NAME
CO-BORROWER LAST
NAME
CO-BORROWER SSN OR
SIN
PRIOR ACCOUNT NUMBER
1
PRIOR ACCOUNT NUMBER
2
PRIOR ACCOUNT NUMBER
38 +
PRIOR ACCOUNT NUMBER
4
PRIOR ACCOUNT NUMBER
5
LENDING LEVEL 1
OILS
LENDING LEVEL 2
BPLR
ATLAS_ACCTNUM
HeeeEEE HI EQ7Account Statement
‘Send Notice of Billing Errors and Customer Service inquiriesto:
ice: al ‘St
My Best Buy” © Sumer sence: re Cee eters
. Account Inquiries:
Credit Card 1-888-574-1301
- 7
(Summary of Account Activity Payment Information
Frevous Balance $2,255.66 New Balance $1,990.78
ayments _ ~$286.00 Minimum Payment Due $42.00
Other Credits “$9.00 | F payment Due Dat July 23, 2017
Purchases +$0.00 yer 8 Yate uly 28,
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$0,00_| | date listed above, you may have to pay alate fee up to $37.
Interest Charged 4+$21.12 Minimum Payment Warning: If you make only the minimum payment each
New Balance $1,990.78] | period, you will pay more in interest and it will take you longer to pay off your
balance. For exampie:
(Past Due Amount $0.00 )
(Credit Limit 30.00) ||_ Only the minimum payment 13 years
Available Credit $0.00 $97 3 year: _ $3,482
Amount Over Credit Limit $0.00 years (Savings=$9,163)
[Statement Closing Date 06/28/2017 MW you would like information about credit counseling services, call 1-877-337-8187.
Next Statement Closing Date 07/28/2017
\Days in Billing Cycle 30)
New York residents may contact the New York State Department of Financial Services by telephone, 1-800-342-3736, of visit its website, www.dfs.ny.gov,
for free intormation on comparative credit card rates, fees and grace periods.
‘You must pay your promotional balance of $1,180.00 in full by 09/23/17 to avoid paying deferred interest charges.
Please update your phone number, including cell phone number on the back of the payment coupon.
TRANSACTIONS
Trans Date_Description Reference # Amount
06/08 ONLINE PAYMENT DEERFIELD IL 'P91940042E YB6VEER $ 286.00-
PLE NSE ee NO HN 20
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, NA.
¥
| Payment Due Date July 23, 2017
SIOUK FALLS, SO 67117-6004 | Pay your bill and more via your | ‘New Balance $1,990.78
i Account Online Past Due Amount $0.00
i $42.00
Statement Enclosed / bestbuy.accountonline.com =e
|
Piease print address changes on the reverse side.
Make Checks Payable tow
BEST BUY CREDIT SERVICES
SEBRINA HANLEY PO BOX 9001007
571 CANAAN RD LOUISVILLE, KY 40290-1007
STRATFORD, CT 06614-4520Information About Your Account.
How to Avoid Paying Interest on Purchases. Your payment due
date is at least 25 days after the close of eac! gq cycle. We wil! not
charge you any interest on purchases if you pay your New Balance by
the payment due date each month. This is cailed a grace period on
purchases. If you do not pay the New Balance in full by the payment
due date, you wili not ge! ce Berlod on purchases until you pi
New Balance in full for two billing cycies in a row.
if you have a balance subj
promotion does not expire before the payment due date, that balance
(an “excluded balance”) is excluded trom the emount you must pay in
full to get a grace period on a purchase balance other than cluded
balance. In addition, if you have a reduced rate credit plan, that balance
{an “excluded balance”) is exciuded from the amount you raust p:
full to get a grace period on a purchase balance other than an ex
daiance. However, you must sti
the excluded balance. In billing cycles in whi
to deterred interest baiances first, the deferred interest balance will
be reduced before any other baignce on the account. However, you will
continue to get a grace period on purchases, other than ar excluded
balance, so long as you pay the New Balance (less any exciuded balance,
plus any seperately required payment on an excluded batance) in full oy
the payment due date each billing cycle. Deferred interest offers may
also be cailed Same As Cash or No Interest.
in addition, certain promotiona! offers not described above may also
allow you to have a grace period on purchases without having to pay
all or a portion of the promotional balance ay the payment due date,
if that is the case, the promotional offer will describe what happens.
How We Caicutate Your Balance Subject to interest Rate. We use 4
daily paiance methed (including current transactions) to calculate interest
charges. To find out more information about the dalance computation
method and how the resulting interest charges were determined, contact
us at the Account Inquiries number on the front.
Other Account and Payment Information.
Payment Amount. You may pay ali or part of your account balance at
any time. However, you must pay, by the payment due date, at least the
minimum payment due,
When Your Payment Will Be Credited. if we receive your payment i
prooer form at our processing facility by 5 p.m. loca’ time there, it wiil
de credited as o! that day. A payment recelved tnere th proper form
after that time will be credited as of the next day. Allow 5 to 7 days for
payments dy regular mail to reach us, There may be a delay af up to
5 days in crediting a payment we receive that is not in proper form or
is not sent to the correct address. The correct address for regular mai
is the address on the front of the payment coupon, The correct address
for courier or express mail is the Express Mail Address shown in the
Express Mail section,
PLEASE SEE IMPORTANT INFORMATION ON PAGE 4
JAs- HN - 9088-7001-0002 - N1 /B/- 2952790646-E JC/-E-10- - 38 /0Y-P-E-Y-0-Y 4E/-0- -
IGI-N- ~ = fHI-O- -YAMY-V Al -0-0- - Wie = =
SCM
Proper Form. For a payment sert by mall or courier to be In proser for,
you must:
+ Enclose a valid check or money order. No cash, gift c:
or foreign currency please.
+ Include your name and the last four digits of your account nummer.
Payment Other Than By Maif.
+ In-Store (Where Available). Any payment in proper form accepted
In-store wil! be credited as of that day. However, credit availapiiity
may be subject to verification of funds, Not all stores accept naymen'
Contact your local store to see if in-store payments are accepted at
that location,
+ Online, Go to the URL on Page 1 of your statement to make a pay
For security reasons, you may rot be ahie to pay your entire New
Balance the first time you méke a payment oniine. The gayment cutoff
time for Coline Bili Payments is midnight Eastern time. This means that
we will credit your account as of the calendar day, based on Eastern
time, that we receive your payment request.
+ AutoPay. Sign up at Account Cniine to have your payment amount
automatically deducted each month trom the account you choose.
Your card account will be credited on the due date with that amount.
+ Phone. Cail the phone number on Page 1 of your statement to make
a payment, We may process your payment electronically alter we
verify your identity. The payment cutoff time for Phone Payments is
midnight Eastern ti This means that we will credit your account
as of the caiendar day, based on Eastern time, that we receive your
payment request.
+ Express Mall. Send payment by courier or express mail to:
Attn: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910,
Louisville, KY 40213, Payment must be recelved in proper form at the
proper address by 5 p.m, Eastern time to be credited as of that day. All
payments received in proper form at the proper address after that time
will be credited as of the next day.
if you send an eligible cheek with this payment coupon, you authorize
us to complete your payment by electronic debit. If we do, the checking
account will be debited in the amount on the check. We may do this as
soon as the day we recelve the check, Alse, the check will be destroyed,
ds,
09654
BBY PLINA DECTS ~ 2
= 0-0 4F/- 05/80/17 - 0101/14. 41 - May 29, 2017
Page 2 of 4
Please provide change of address and update/add your
phone numbers’ here: (Use biue or black ink.)
‘Phone: By giving us a cell number or a number later converted toa
cell number, you agree that we or our service providers can contact
you at that number by autodialer, recorded or artificial voice, or a text.
Your phone plan charges may apply.Account: HE 597
TRANSACTIONS (cont.)
Trans Date Description
FEES
Reference #
Amount
TOTAL FEES FOR THIS PERIOD
INTEREST CHARGED
06/28 INTEREST CHARGE ON PURCHASES 21.12
TOTAL INTEREST FOR THIS PERIOD 21.12
Total Fees Charged in 2017 $187.00
Total Interest Charged in 2017 $284.53
ACTIVITY AND PROMOTIONS DETAIL
Original Purchases,
Promotion Promotion Payments Cash Adv, Promotion Deferred — Promotion
Trans Trans Previous & Other Fees & Interest New Minimum Interest Expiration
Amount Date Balance Credits Other Debits__Charged__Balance__ Payment Due Charges Date
PURCHASES
REGULAR
: : $1,075.66 $286.00- : $21.12 $810.78 - - -
NO INT WPYMTS FOR 12 MOS
$1,180.00 0828/16 $1,180.00 - : : $1,180.00 : $317.57 0923/17
TOTAL $2,255.66 $286.00- $0.00 $21.12 $1,990.78 $0.00 $317.57
INTEREST CHARGE CALCULATION
Your Annual
ae bere 2s
Percentage Rate (APR) is the annual Interest rate on your account.
stoner:
REGULAR 28.99% (MXV) $886.34 $21.12
NO INT W/PYMTS FOR 12 MOS 28.99% (M)(V) : :
(V) = Varlable Rate
Page 3 of 4Credit Reporting Disputes. If you think we reported inaccurate
information to a credit bureau write us at the Customer Service address
shown on Page |,
Report a Lost or Stolen Card immediately, Cai
aumber shown on Page 1.
What To Do If You Find A Mistake On Your Statement
Ifyou think there is an error on your statement, write to us at the
address for biting errors and customer service inquiries shown on
Page lof your statement.
In your letter, give us the following Information:
+ Account information: Your name ahd account number,
: The dollar amount of tne suspected error.
robiem: if you think there is an error on your bili,
he Account Inquiries
describe what you belleve is wrong end why you delleve It is e mistake.
You must contact us;
» Witnin 60 days after the error appeared on your statement.
* Atleast 3 business days before an automated payment is scheduled,
if you want to stop payment on the am
You must notity us of any potential errors j
but if you do we are not required to investigate any poter
you may have to pay the amourt in question.
What Will Happen After We four |
When we receive your fetter, we must do two things:
1, Within 30 days of receiving your letter, we must tell you that
we recelved your letter. We will aiso tell you if we have already
corrected the error.
2. Within 90 days of receiving your ‘etter, we must either correct
the error or expiain to you why we hel/eve the bill is correct.
While we investigate whether or not there bas been an error:
* We cannot try to coilect the amount in question,
or report you as delinquent on that amourit.
+ The charge in question may remain on your statement,
and we may continue to charge you Interest on that amount.
+ While you de not have to pay the amount in question,
you are responsible for the remainder of your balance,
> We can apply any ungald amount against your credit limit.
it you think is wrong,
iting. You may cati us,
errors and
SEE IMPORTANT INFORMATION ON PAGE 2
After we finish our Investigation, one of two things will happel
You will not have to pay the amount in questi
ner fees rel
to pay the
nd fees, We wi
nd the date paymer
nquent if you do not pay tr
In, Bong with a!
send you a statement of the am
Is due. We may then report you as del
amount we think you owe.
If you receive our explanation but stil beileve your pills wrong, you
must write to us within 10 days telting us that you still refuse to pay.
ff you do so, we cannot report you as delinquent without aiso reporting
that you are questioning your bili. We must tell you the name of
anyone to whom we reported you as delinquent, and we must iet those
organizations know when the matter nas peer settled between us,
Jf we do not follow ait of the rules above, you de not have to pay the
+ $50 of the amount you question even if your bili is correct.
Your Rights f You Are Dissatisfied With Your Credit Card Purchases
if you are dissatistied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the
problem with the merchant, you may have the rignt nat to nay the
remaining amount due on the purchase.
To use this right, all of the following must be true:
the purchase must have been made in your home state or within 100
ites of your current mailing address, and the purcnase price must
have been more than SSO. (Note: Neither of these are necessary if
your purchase wes based on an advertisement we mailed to you, or
if we own the company that soid you the goods or services.)
2, You must have used your credit card for the purchase. P
made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
if all of the criteria above are met and you are still dissatistied with the
purenase, contact us in writing at the address for biting
customer service inquiries shown on Page‘ of your statement.
White we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, i
decision, At that point, if we think you owe an amount and you do not
pay, we may report you as delinquent,
BAY PLNA DECIS ~4
Page 4 of 4
Preview
Commonwealth of Virginia City of Norfolk ss. 1, the undersigned = Venegas , Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: 1 T am competent to testify to the matters contained herein, 2. Yam an authorized employee of Portfolio Recovery Associates, LLC, (“Account Assignee”) which is doing business at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia, and I am authorized to make the statements, representations and averments herein, and do so based upon a review of the business records of the Original Creditor CITIBANK, N.A/BEST BUY and those records transferred to Account Assignee from CITIBANK, N.A. (“Account Seller”), which have become a part of and have integrated into Account Assignee’s business records, in the ordinary course of business. The attached documents are true copies of the originals except to the extent that confidential and privileged information is omitted or redacted and personal identifying information is omitted or redacted as required by local rules, and applicable state and federal law. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having been sold, assigned and transferred by the Account Seller on 04/25/2018. Further, the Account Assignee has been assigned all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever. 4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from SEBRINA HANLEY (“Debtor and Co-Debtor”) to the Account Seller the sum of $3,019.67 with the respect to account number ending in 5597 as of the date of 01/30/2018 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale, 5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $3,019.67 as due and owing as of the date of this affidavit. 6. Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the Defendant is not on active military service of the United States. Portfolio Recovery ‘iates, LLC Ashley S Johnson-Willlams a Somincreieail th of Virginia This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. AI2485 viMy Best Buy” o Customer Service: Account Statement ‘Send Notice of Billing Errors and Customer Service inquiries to: BEST BUY CREDIT SERVICES PO Box 790441, St Louis. MO 63179 bestbuy.accountontine.com + Account Inquiries: Credit Card 1-888-620-5879 ( a ( Summary of Account Activity Payment Information previous Balance $2,909.35 _| | New Balance $3,019.67 ayments.. -$0.00_| | Ntinimum Payment Due $863.00 Other Credits -$0.00_| 5 it Due Dat: Febi 23, 2018 Purchases +$0.00 ayment Due Vale ebruary 23, Cash Advances +30.00 | | Late Payment Warning; If we do not receive your minimum payment by the Fees Charged $37.00 _| | date listed above, you may have to pay aiate fee up to $37. Interest Charged +$73.32_| | Minimum Payment Warning: If you make only the minimum payment each New Balance $3,019.67 _| | period, you will pay more in interest and it will take you longer to pay off your balance. For example: Past Due Amount $722.00 - ‘5a baer monn ae fe Credit Limit $0.00. Only the minimum payment 12 years $6,958 Available Credit $0.00 $127 years $4,570 Amount Over Credit Limit $1,019.67 ’ (Savings=$2,388) Statement Closing Date 01/29/2018 HM you would ike information about credit counseling services, call 1-877-337-8188. Next Statement Closing Date 02/26/2018 \Days in Billing Cycle 31 New York residents may contact the New York State Department of Financial Services by telephone, 1-800-342-3736, or visit its website, www.dls.ny.gov, for free information on comparative credit card rates, fees and grace periods. Please see the enclosed privacy notice for important information. Please note thatif we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. Please update your phone number, including cell phone number on the back of the payment coupon. PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 6 ith your payment 10 i BHN20 This Account Is Issued by Citibank, NA. Retain upper portion for your, + UNL PO BOX 6204 ‘SIOUX FALLS, SO §7117-6204 Statement Enclosed Pay your bill and more via your Account Online bestbuy.accountonline.com Payment Due Date February 23, 2018 New Balance $3,019.67 Past Due Amount? $722.00 inimum Payment Due $863.00 SEBRINA HANLEY 671 CANAAN RD. STRATFORD, CT 06614-4520 TPest Due Amount is included in the Minimum Payment Due. Please print address changes on the reverse side. Make Checks Payable tow BEST BUY CREDIT SERVICES PO BOX 9001007 LOUISVILLE. KY 40290-1007information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of ea ig cycle. We will not charge you any interest on purchases if you aay your New Balance by the payment due date each month. This is called a grace period on purchases. If you do not pay the New Balance in full by the payment due date, you will not get a grece period on purchases until you pay the New Baiance tn full for two niliing cycles in a row. if you have a balance subject toad red inte: promotion and that promation does not ire netore the payment due date, that balance n "excluded balance”) is exciuded from the emount you must pay in fo get a grace period on a purchase balance other than an excluded balance. In addition, if you have a reduced rate credit pian, that balance (en “excluded balance") is excluded from tne amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. However, you must still pay any separately required payment on the excluded batance. in billing cycles 'n which payments are allocated to deferred interest balances first, the deferred interest balance wil be reduced before any other baiance on the account. However, you wilt continue to get a grace period on purchases, other than ar excluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately required payment on an excluded balance) in full by the payment due date each billing cycle. Deferred interest offers may also be cailed Same As Cash or No interest, tn addition, certain promotionai offers not described above may aiso atlow you to have a grace period on purchases without having to pay ail or a portion of the promotional balance by the payment due date. if that is the case, the promotional offer will describe what happens. How We Calcutate Your Salance Subject to Interest Rate. We use daiy paiance metned (including current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined, contact us at the Account Inquiries number on the frant. Other Account and Payment information. Payment Amount, You may pay ali or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. When Your Payment Will Be Credited. it we receive your payment ir proner form at our proces: facility by 5 p.m. locai time there, it will pe credited as of that day. A gayment received there in proger form after that time will be credited as of the next day. Ailow 5 to 7 days for payments hy regular mail to reach us, There may be a delay of up to 5 days in crediting a payment we receive that is not In proper form or is not sent to the correct address. The correct address for regular mai! is the address on the front of the payment coupon, The correct address for courier or express mail is the Express Mail Address shown in the Express Mail section. ‘AS IMPORTANT INFORMATION ON PAGE 4 Proper Form. For a payment sert ay mail or courier to ne in proper form, you must: + Enclose a valid check or money order. No cash, gift cards, of foreign currency please. + Include your name and the ‘ast four digits of your accaunt number. Payment Other Than By Mail. + In-Store (Where Available). Ary payment in proper form accepted In-store will be credited as of that day. However, credit evallaaiilty may be subject to veritication of funds. Not ail stores accept payments. Contact loca! store to see if in-store payments are accepted at ‘that location. + Online. Go to the URL on Page lof your statement to make a payment. For security reasons, you may not be able to nay your entire New Balance the first time you make a payment oniire. The payment cutoff time for Caline Bifi Payments is midnight Eastern time, This means that dit your account as of the calendar day, based on Eastern time, that we receive your payment request. + AutoPay. Sign up at Account Oniine to have your payment amount automatically deducted each month from the account you cnoost Your card account will be credited on the due date with that amour + Phone. Cail the phone number on Page 1 of your statement to make a payment. We may process your payment electronically after we verify your identity. The payment cutoff time for Phone Payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request. + Express Mail. Send payment by courier or express mail to: Attn: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213. Payment must be received in proper form at the proper address by 5 p.m, Eastern time to be credited as of that day. All payments received in oroper form at the proper address after that time wil be credited as of the next day. if you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. 09654 BBY PLNA DECIS - 2 IN/- HN - 9038-7001-0002 - Ni -/B/- 2052730646 - E /O/-E - 10-X-88 DAP -E-Y-O-N4E-7- - -0-0-/F/- 06/0/17 - 01/01/14 - 48 - December 29, 2017 IGEN ~~ PH-O- “YAY -V Ae = -0-0- = =» HECM Page 2 of 6 Please provide change of address and update/add your phone numbers’ here: (Use Siu o7 black ink.) “Phone: By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan charges may apply.Account: NNN 5597 TRANSACTIONS Trans Date Description Reference # ‘Amount FEES owes UATE FEE s 37.00 TOTAL FEES FOR THIS PERIOD s 37.00 INTEREST CHARGED 01728 INTEREST CHARGE ON PURCHASES s 73.32 TOTAL INTEREST FOR THIS PERIOD s 73.32 Total Fees Charged in 2018 Total Interest Charged in 2018 $73.32 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promotion Payments Cash Adv, Promotion Deferred — Promotion Trans Trans Previous &Other Fees & Interest New Minimum Interest Expiration Amount Date Balance _Credits_Other Debits Charged _—Balance_ Payment Due Charges Date PURCHASES REGULAR, : : $2,909.35 : $37.00 $73.32___ $3,019.67 : : : TOTAL $2,909.35 $0.00 $37.00 $73.32 $3,019.67 $0.00 $0.00 INTEREST CHARGE CALCULATION evince _ Your Al ual Percentage Rate (APR) is th }@ annual interest rate on you! Piype ok erbetitage h § SAnterest Rate oe Interest PURCHASES. REGULAR 29.24% (MV) $2,952.94 (V) = Variable Rate Page 3 ofCredit Reporting Disputes. If you think we reported inaccurate information to a credit bureau write us at the Customer Service address shown on Page |. Report a Lost or Stolen Card Immediately. Cali the Account Inquiries number shown on Page 1. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at the address for biling errors and customer service Inquiries shown on Page iof your statement. tn your letter, give us the following information: + Account information: Your name and account number. unt: The dollar amount of the suspected error. You must contact ust + Witnin 60 days after the error appeared on your stetement, + At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong, You must notify us of any potential errors in writing. You may call us, but if you do we are not required to invest! ¥y potential errors and you may have to pay the amount in question. what Will Happen After We Recelve Your Letter When we receive your letter, we must do two things: 1, Witnin 30 days of receiving your letter, we must tell you that we received your letter. We will aiso tell you If we have already corrected the error, 2. Within 90 days of receiving your ietter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: + We cannot try to collect the amount in question, or report you as definquent on that amount. + The charge in question may remain on your statement, and we may continue te charge you interest on that amour! + White you do not have to pay the amount in question, you are responsibie for the remainder of your balance. + We can apply any ungaid amount agztnst your credit mit, PLEASE SEE IMPORTANT INFORMATION ON PAGE 2 After we finish our Investigation, one of two things will happen: made a mistake: You wil! not have to pey the amount in question or other fees reiat ted to that amount. = You will nave to pay the ‘able interest and fe ndthe dat y then report you as delinquent if you do not pay the amount we think you owe, It you receive our expienation but stili believe your oli is wrong, you must write to us within 10 days tellin that you still refuse to pay. If you de so, we cannot report you as delinquent without aiso resorting that you are questioning your bili, We must tell you the name of anyone to whom we reported you as delinquent, and we must iet those organizations know when the matter nas been settied between us. If we do not follow ail of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights if You Are Dissatisfied With Your Credit Card Purchases if you are dissatistied with the goods or services that you have purchased with your credit card, and you have tried In good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase, To use this right, all of the tellowing must be true: The purchase must have been made in your home state or within 100 niles of your current mailing address, and the purchase orice must nave been more than SSC. (Note: Neither of tnese are necessary it your purchase was based on an advertisement we mailed to you, or if we own the company that soid you the goods or services.) 2, You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do net qualify. 3. You must not yet have fully paid for the purchase. if aii of the criteria above are met and you are stil! dissatisfied with the purchase, contact Us | ting at the address for billing errors end customer service inquiries shown on Page ’ of your statement. While we investigate, the same rules apply to the disputed amount as discussed above, After we finish our investigation, we will tell you our decision, At that point, if we think you owe an amount and you do not pay, we may report you as delingu BBY PLA DECIS ~4 Page 4 of 6GLBSBBY 01/17 eu WHAT DOES CITIBANK DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives | consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. he types of personal information we collect and share depend on the pi service you have with us. This information can include: Social Security number and income account balances and employment information + credit history and transaction history {such as to process your transactions, maintain your |account(s), respond to court orders and legal investigations, or report to credit bureaus be \For our marketing purposes — te offer our products and services to you |For j |For our affiliates’ everyday business purposes — {information about your transactions and experiences |For our affiliates’ everyday business purposes — i Yes {information about your creditworthiness |For our affiliates to market to you | | iFor our nonaffiliates to market to you Call 1-888-833- 4413 — our our menu will prompt you through your choice(s). Y: 1-888-824-2323) Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no fonger our customer, we continue to share your information as described in this notice. Call 1-888-833-4413 or call the Customer Service number on vihe back of your credit | card or on your billing statement. (TTY: 1-888-824-2323) | | | | \ | i i ) nel 1 | Page 5 of 8This notice is provided by the retail partner cards group of Citibank, N.A., the bank | that issues your credit card. | To protect your personal information from unauthorized access and use, we use| security measures to comply with federal law. These measures include computer | safeguards and secured files and buildings. : | How does Citibank protect imy personal information? | iL ann ne ee How does Citibank collect —Twe collect your “personal information, for example, when you | imy personal information? i provide account information or give us your contact information I provide employment information or apply for a loan * use your Credit or debit card We also collect your personal information from others, such as credit bureaus, { l affiliates, or other companies. | nme Why can’t | limit all sharing? _| Federal law gives you the right to limit only + sharing for affiliates’ everyday business purposes — information about your | creditworthiness | {+ affiliates from using your information to market to you |» sharing for nonaffiliates to market to you. {State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when | limit |Your choices will apply to everyone on your account. | Sharing for an account| hold | jointly with someone else? L : {Companies related by common ownership or control. They can be financial and nonfinancial companies. | Our affiliates include companies such as Citigroup Global Markets Inc. |Nonaffiliates ‘Companies not related by common ownership or control. They can be financial | i {and nonfinancial companies. | | | {¢ Nonaffiliates we share with can include companies engaged in direct marketing i and the selling of consumer products and services. \Joint marketing Tk formal agreement between nonaffiliated financial companies that together i market financial products and services to you. [+ Our joint marketing partners include insurance companies and other | financial companies. For Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as’ permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not {share information about your creditworthiness with our affiliates except with your authorization. |For California Residents: We will not share information we collect about you with nonaffiliated third parties, except as| | permitted by California law, such as to process your transactions or to maintain your account. | ——— We may share your personal information, as permitted by law, with the retailer whose name is on your card and with the companies related to the retailer. You cannot limit this sharing. nn en i "important Information about Credit 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. Page 6 ofContract 1D: PREMUMAAI21217 Document ID; PREMUMAA041918C6 Document ID: 041118PRIBBIEMBI BILL OF SALE AND ASSIGNMENT THIS BILL OF SALE AND ASSIGNMENT dated April 25, 2018, is by Citibank, N.A., a national banking association organized under the laws of the United States, located at 701 East 60th Street North, Sioux Falls, SD 57117 (the “Bank”) to Portfolio Recovery Associates, LLC ("Buyer"), organized under the laws of Delaware, with its headquarters/principal place of business at 130 Corporate Boulevard, Norfolk, VA 23502. For value received and subject to the terms and conditions of the Master Purchase and Sale Agreement dated December 12, 2017 and Addendum No. 6 dated April 19, 2018, between Buyer and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts described in Exhibit 1 and the final electronic file. Drive, Ste, 400 , MO BESS saan. meconey@ett.com ‘Tithe: BIB-505-6180 PRA 121217 ‘Contract ID: PRSMUMAA121217 Document 1D: PRBMUMAA041918C6, Document ID: 041118PRIBBIEMA1 Exhibit 1 The individual Accounts transferred are described in the final electronic file and delivered by the Bank to Buyer, the same deemed attached hereto by this reference. nt ~ 7 | tof Sale | carom Lot ; Sale ID Accounts _| Sale Amount Date . 04/11/18 j Best Buy ~ G41118PRIBBIEM | Post Early | Out Flow L PRA 121217ACCOUNT NUMBER SERRE BOT SALE SEGMENT BESTBUY PRODUCT IDENTIFIER 90387001 CODE PRODUCT DESCRIPTION [BEST BUY CREDIT CARD SALE ID 041118PR1BB1EM SALE AMOUNT $3,019.67 PRINCIPAL $1,845.39 PRE CHARGE OFF $791.01 INTEREST PRE CHARGE OFF FEES [$383.27 POST CHARGE OFF $0.00 INTEREST POST CHARGE OFF FEES [$0.00 ORIGINAL LOAN BALANCE CHARGE OFF BALANCE __|$3,019.67 CURRENT BALANCE $3,019.67 ACCOUNT OPEN DATE 1/14/2014 12:00:00 AM DEFAULT DATE 7/28/2017 12:00:00 AM CHARGE OFF DATE 1/30/2018 12:00:00 AM LAST PAYMENT AMOUNT _ [$286.00 LAST PAYMENT DATE 6/8/2017 12:00:00 AM LAST PURCHASE AMOUNT [$1,180.00 LAST PURCHASE DATE _|8/29/2016 12:00:00 AM LAST BALANCE TRANSFER AMOUNT LAST BALANCE TRANSFER DATE LAST CASH ADVANCE AMOUNT LAST CASH ADVANCE DATE TOTAL PAYMENTS POST [$0.00 CHARGE OFF FTOTAL NSF POST CHARGE [$0.00 OFF TOTAL CREDITS POST $0.00 CHARGE OFF CONSUMER FIRST AND —|SEBRINA MIDDLE NAME [CONSUMER LAST NAME __[HANLEY CONSUMER RESIDENCE [571 CANAAN RD ADDRESS 1 CONSUMER RESIDENCE ADDRESS 2 CONSUMER RESIDENCE /STRATFORD CITY CONSUMER STATE CT CONSUMER ZIP CODE "4520 CONSUMER RESIDENCE COUNTRYCONSUMER RESIDENCE PHONE BAD NUMBER INDICATOR N CONSUMER SSN OR SIN CONSUMER BIRTH DATE AWARENESS INDICATOR {LANGUAGE INDICATOR J im jo iz ATTORNEY LAW FIRM ATTORNEY NAME ATTORNEY PHONE ATTORNEY ADDRESS ATTORNEY CITY ATTORNEY STATE. ATTORNEY ZIP CODE [BANKRUPTCY CHAPTER BANKRUPTCY FILE DATE BK PROOF OF CLAIM PRINCIPAL BK PROOF OF CLAIM INTEREST. [BK PROOF OF CLAIM FEE BANKRUPTCY CASE NUMBER BANKRUPTCY TRUSTEE. CO-BORROWER FIRST AND MIDDLE NAME CO-BORROWER LAST NAME CO-BORROWER SSN OR SIN PRIOR ACCOUNT NUMBER 1 PRIOR ACCOUNT NUMBER 2 PRIOR ACCOUNT NUMBER 38 + PRIOR ACCOUNT NUMBER 4 PRIOR ACCOUNT NUMBER 5 LENDING LEVEL 1 OILS LENDING LEVEL 2 BPLR ATLAS_ACCTNUM HeeeEEE HI EQ7Account Statement ‘Send Notice of Billing Errors and Customer Service inquiriesto: ice: al ‘St My Best Buy” © Sumer sence: re Cee eters . Account Inquiries: Credit Card 1-888-574-1301 - 7 (Summary of Account Activity Payment Information Frevous Balance $2,255.66 New Balance $1,990.78 ayments _ ~$286.00 Minimum Payment Due $42.00 Other Credits “$9.00 | F payment Due Dat July 23, 2017 Purchases +$0.00 yer 8 Yate uly 28, Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$0,00_| | date listed above, you may have to pay alate fee up to $37. Interest Charged 4+$21.12 Minimum Payment Warning: If you make only the minimum payment each New Balance $1,990.78] | period, you will pay more in interest and it will take you longer to pay off your balance. For exampie: (Past Due Amount $0.00 ) (Credit Limit 30.00) ||_ Only the minimum payment 13 years Available Credit $0.00 $97 3 year: _ $3,482 Amount Over Credit Limit $0.00 years (Savings=$9,163) [Statement Closing Date 06/28/2017 MW you would like information about credit counseling services, call 1-877-337-8187. Next Statement Closing Date 07/28/2017 \Days in Billing Cycle 30) New York residents may contact the New York State Department of Financial Services by telephone, 1-800-342-3736, of visit its website, www.dfs.ny.gov, for free intormation on comparative credit card rates, fees and grace periods. ‘You must pay your promotional balance of $1,180.00 in full by 09/23/17 to avoid paying deferred interest charges. Please update your phone number, including cell phone number on the back of the payment coupon. TRANSACTIONS Trans Date_Description Reference # Amount 06/08 ONLINE PAYMENT DEERFIELD IL 'P91940042E YB6VEER $ 286.00- PLE NSE ee NO HN 20 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, NA. ¥ | Payment Due Date July 23, 2017 SIOUK FALLS, SO 67117-6004 | Pay your bill and more via your | ‘New Balance $1,990.78 i Account Online Past Due Amount $0.00 i $42.00 Statement Enclosed / bestbuy.accountonline.com =e | Piease print address changes on the reverse side. Make Checks Payable tow BEST BUY CREDIT SERVICES SEBRINA HANLEY PO BOX 9001007 571 CANAAN RD LOUISVILLE, KY 40290-1007 STRATFORD, CT 06614-4520Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of eac! gq cycle. We wil! not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is cailed a grace period on purchases. If you do not pay the New Balance in full by the payment due date, you wili not ge! ce Berlod on purchases until you pi New Balance in full for two billing cycies in a row. if you have a balance subj promotion does not expire before the payment due date, that balance (an “excluded balance”) is excluded trom the emount you must pay in full to get a grace period on a purchase balance other than cluded balance. In addition, if you have a reduced rate credit plan, that balance {an “excluded balance”) is exciuded from the amount you raust p: full to get a grace period on a purchase balance other than an ex daiance. However, you must sti the excluded balance. In billing cycles in whi to deterred interest baiances first, the deferred interest balance will be reduced before any other baignce on the account. However, you will continue to get a grace period on purchases, other than ar excluded balance, so long as you pay the New Balance (less any exciuded balance, plus any seperately required payment on an excluded batance) in full oy the payment due date each billing cycle. Deferred interest offers may also be cailed Same As Cash or No Interest. in addition, certain promotiona! offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance ay the payment due date, if that is the case, the promotional offer will describe what happens. How We Caicutate Your Balance Subject to interest Rate. We use 4 daily paiance methed (including current transactions) to calculate interest charges. To find out more information about the dalance computation method and how the resulting interest charges were determined, contact us at the Account Inquiries number on the front. Other Account and Payment Information. Payment Amount. You may pay ali or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due, When Your Payment Will Be Credited. if we receive your payment i prooer form at our processing facility by 5 p.m. loca’ time there, it wiil de credited as o! that day. A payment recelved tnere th proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments dy regular mail to reach us, There may be a delay af up to 5 days in crediting a payment we receive that is not in proper form or is not sent to the correct address. The correct address for regular mai is the address on the front of the payment coupon, The correct address for courier or express mail is the Express Mail Address shown in the Express Mail section, PLEASE SEE IMPORTANT INFORMATION ON PAGE 4 JAs- HN - 9088-7001-0002 - N1 /B/- 2952790646-E JC/-E-10- - 38 /0Y-P-E-Y-0-Y 4E/-0- - IGI-N- ~ = fHI-O- -YAMY-V Al -0-0- - Wie = = SCM Proper Form. For a payment sert by mall or courier to be In proser for, you must: + Enclose a valid check or money order. No cash, gift c: or foreign currency please. + Include your name and the last four digits of your account nummer. Payment Other Than By Maif. + In-Store (Where Available). Any payment in proper form accepted In-store wil! be credited as of that day. However, credit availapiiity may be subject to verification of funds, Not all stores accept naymen' Contact your local store to see if in-store payments are accepted at that location, + Online, Go to the URL on Page 1 of your statement to make a pay For security reasons, you may rot be ahie to pay your entire New Balance the first time you méke a payment oniine. The gayment cutoff time for Coline Bili Payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request. + AutoPay. Sign up at Account Cniine to have your payment amount automatically deducted each month trom the account you choose. Your card account will be credited on the due date with that amount. + Phone. Cail the phone number on Page 1 of your statement to make a payment, We may process your payment electronically alter we verify your identity. The payment cutoff time for Phone Payments is midnight Eastern ti This means that we will credit your account as of the caiendar day, based on Eastern time, that we receive your payment request. + Express Mall. Send payment by courier or express mail to: Attn: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213, Payment must be recelved in proper form at the proper address by 5 p.m, Eastern time to be credited as of that day. All payments received in proper form at the proper address after that time will be credited as of the next day. if you send an eligible cheek with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we recelve the check, Alse, the check will be destroyed, ds, 09654 BBY PLINA DECTS ~ 2 = 0-0 4F/- 05/80/17 - 0101/14. 41 - May 29, 2017 Page 2 of 4 Please provide change of address and update/add your phone numbers’ here: (Use biue or black ink.) ‘Phone: By giving us a cell number or a number later converted toa cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan charges may apply.Account: HE 597 TRANSACTIONS (cont.) Trans Date Description FEES Reference # Amount TOTAL FEES FOR THIS PERIOD INTEREST CHARGED 06/28 INTEREST CHARGE ON PURCHASES 21.12 TOTAL INTEREST FOR THIS PERIOD 21.12 Total Fees Charged in 2017 $187.00 Total Interest Charged in 2017 $284.53 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promotion Payments Cash Adv, Promotion Deferred — Promotion Trans Trans Previous & Other Fees & Interest New Minimum Interest Expiration Amount Date Balance Credits Other Debits__Charged__Balance__ Payment Due Charges Date PURCHASES REGULAR : : $1,075.66 $286.00- : $21.12 $810.78 - - - NO INT WPYMTS FOR 12 MOS $1,180.00 0828/16 $1,180.00 - : : $1,180.00 : $317.57 0923/17 TOTAL $2,255.66 $286.00- $0.00 $21.12 $1,990.78 $0.00 $317.57 INTEREST CHARGE CALCULATION Your Annual ae bere 2s Percentage Rate (APR) is the annual Interest rate on your account. stoner: REGULAR 28.99% (MXV) $886.34 $21.12 NO INT W/PYMTS FOR 12 MOS 28.99% (M)(V) : : (V) = Varlable Rate Page 3 of 4Credit Reporting Disputes. If you think we reported inaccurate information to a credit bureau write us at the Customer Service address shown on Page |, Report a Lost or Stolen Card immediately, Cai aumber shown on Page 1. What To Do If You Find A Mistake On Your Statement Ifyou think there is an error on your statement, write to us at the address for biting errors and customer service inquiries shown on Page lof your statement. In your letter, give us the following Information: + Account information: Your name ahd account number, : The dollar amount of tne suspected error. robiem: if you think there is an error on your bili, he Account Inquiries describe what you belleve is wrong end why you delleve It is e mistake. You must contact us; » Witnin 60 days after the error appeared on your statement. * Atleast 3 business days before an automated payment is scheduled, if you want to stop payment on the am You must notity us of any potential errors j but if you do we are not required to investigate any poter you may have to pay the amourt in question. What Will Happen After We four | When we receive your fetter, we must do two things: 1, Within 30 days of receiving your letter, we must tell you that we recelved your letter. We will aiso tell you if we have already corrected the error. 2. Within 90 days of receiving your ‘etter, we must either correct the error or expiain to you why we hel/eve the bill is correct. While we investigate whether or not there bas been an error: * We cannot try to coilect the amount in question, or report you as delinquent on that amourit. + The charge in question may remain on your statement, and we may continue to charge you Interest on that amount. + While you de not have to pay the amount in question, you are responsible for the remainder of your balance, > We can apply any ungald amount against your credit limit. it you think is wrong, iting. You may cati us, errors and SEE IMPORTANT INFORMATION ON PAGE 2 After we finish our Investigation, one of two things will happel You will not have to pay the amount in questi ner fees rel to pay the nd fees, We wi nd the date paymer nquent if you do not pay tr In, Bong with a! send you a statement of the am Is due. We may then report you as del amount we think you owe. If you receive our explanation but stil beileve your pills wrong, you must write to us within 10 days telting us that you still refuse to pay. ff you do so, we cannot report you as delinquent without aiso reporting that you are questioning your bili. We must tell you the name of anyone to whom we reported you as delinquent, and we must iet those organizations know when the matter nas peer settled between us, Jf we do not follow ait of the rules above, you de not have to pay the + $50 of the amount you question even if your bili is correct. Your Rights f You Are Dissatisfied With Your Credit Card Purchases if you are dissatistied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the rignt nat to nay the remaining amount due on the purchase. To use this right, all of the following must be true: the purchase must have been made in your home state or within 100 ites of your current mailing address, and the purcnase price must have been more than SSO. (Note: Neither of these are necessary if your purchase wes based on an advertisement we mailed to you, or if we own the company that soid you the goods or services.) 2, You must have used your credit card for the purchase. P made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. if all of the criteria above are met and you are still dissatistied with the purenase, contact us in writing at the address for biting customer service inquiries shown on Page‘ of your statement. White we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, i decision, At that point, if we think you owe an amount and you do not pay, we may report you as delinquent, BAY PLNA DECIS ~4 Page 4 of 4