Preview
CN: ces16s
PORTFOLIO RECOVERY ASSOCIATES, LL¢c
Plaintiff
vs.
ROBERT P ONTHANK JR
Defendant
STATEMENT OF CLAIM
On
03/30/21 CITIBANK, N.A. BEST BUY charged-off the defendant's
Gelinquent balance of $2,364.54 that resulted from the defendant's use of
eredit ac count XXXXXXXXXXXX6996. The Plaintiff purchased this debt on 10/21/21.
The books and records of the plaintiff show that the defendant is in default
and therefore currently indebted to the Plaintiff for a current balance of
$2,364.54. The Plaintiff seeks damages forthe account stated balance
as periodic account statements were delivered to and held by the Defendant with
no unresolved disputes communicated to the Plaintiff. Plaintiff seeks damages
for the account stated balance minus any credit(s) on the account occuring after
the last statement was transmitted. The basis for venue is that the defendant
resides in BRIDGEPORT, or
Date Opened: 04/06/17
Last Payment Date by Defendant to an owner of the debt 05/23/20
Last Payment Date by Defendant to attorney: 00/00/00
Charge-Off Date: 03/30/21
THIS COMMUNICATION IS FROM A DEBT COLLECTOR
Av
Account Statement
‘Send Notice of Billing Errors and Customer Service Inquiriesto:
Customer Service: BEST BUY CREDIT SERVICES
PO Box 790441, St. Louis, MO63179
c-iiy
My Best Buy® Go bestbuy.accountonline.com
rey Visa® Card Hl Account Inquiries:
1-888-574-1301
an
S
Summary of Account Activity Payment Information
Previous Balance $2,309.82 New Balance $1,684.17
Payments -$672.00 Minimum Payment Due: $64.00
Other Credits -$0.00
Payment Due Date June 23, 2020
Purchases +$0.00
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 $40.
Interest Charged +$46.35 Minimum Payment Warning: If you make only the minimum payment each
New Balance $1,684.17 period, you will pay more in interest and it will take you longer to pay off your
balance, . For example:
Past Due Amount $0.00 J you
{ Afyou in pay off ‘And you will
‘Credit Limit $2,500.00
Available Credit $815.00 bs oe eee mae me {total
enof.
Cash Advance Limit $200.00 ‘Only minimum payment 9 years
Available Cash Limit $200.00 $67 3years 418
Amount Over Credit Limit $0.00 (Savings=81,404)
Statement Closing Date 05/28/2020 1 you would tke information aboul credit counseling services, call 1-877-337-8187.
Next Statement Closing Date 06/28/2020
\Days in Billing Cycle st
New York residents may contact the New York State Department of Financial Services 1@, 1-800-342-3736, or visit its website, www.dfs.ny.gov,
for free information on comparative crecit card rates, fees and grace periods.
COVID-19: You may experience longer than usual wait times if you contact our call centers so we want to remind you there are digital tools available to help
you manage your account. Visit bestbuy.accountonline.com to manage your account digitally or to register for Account Online. From there you can check
your balance and available credit, make a payment, review your statement, enroll for paperless statements and more.
Please update your phone number, including cell phone number on the back of the payment coupon.
Marketing offers included in this statement are intended for residents of the United States and its Territories.
HM20
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page
1 of 4 This Account is Issued by Citibank, N.A.
annacsasersane pour: fay apo upper port ion for your records. ¥ wan
Your Account Number is NINN 6996
Payment Due Date June 23, 2020
POBOX 6204 (New Balance $1,684.17
SIOUX FALLS, SD 57117-8204
Past Due Amount $0.00
Your account is enrolled in AutoPay.
Minimum Pa: it Due $64.00
Statement Enclosed ean Br
intee Ene
oe
Please print address changes on the reverse side.
Make Checks Payable tow
BEST BUY CREDIT SERVICES
ROBERT P ONTHANK JR PO BOX 78009
35 BEAUMONT ST PHOENIX, AZ 85062-8009
FAIRFIELD, CT 06824-5702
SL
Information About Your Account. time period disclosed te you on the phone. Thereisno oking 0 payment using our
How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the automated voice response stern.
close
5Baa of eacn billing cycle. willnot har} you any interest on purchasesif you pay your New + Agent-Assisted Phone Payments. If ya HN tom payment with the ance of a
payment due date each month piss called grace period on purchases. To get a live agent, the payment willbe applied the s dayane ‘ou willbe c srs a $5.00 agent
grace pe near vou st payth Nev Balance by the payment due date every billing expedited payment fee.
cyele. If you do not, will not gi a grave periog until you pay the New Balance for two billing + Express Mail. Send payment oy express mail to: Consumer Payr Dept, 6716 Gr 6
cycle in. row. We will beain charging est on cash advances and balance transfers on the Building 9, Suite 910, Louisville, KY 402°3.
transaction date, + Crediting Payments other than by Mail, The payment cutoff ti for Online bill payments
ity out ave a balance subject to a deferred interest promotion and that promotion does not expire Phone payments,and Express Mail payrnents nignight Easter fime.T neans t
before thie payment due date, that balance (an “excluded balance”) is excluded from the amount will credit your account as of the calendarday, .ased on Eastern time. atat eive you
you must pay in fullto get a grave period on a purchase balance other than an excluded balance. payment request.
Inaxidition, if you have a reduced rate credit plan, that balance (an “excluded balance”)is excluded HM you send an efigible check with this payment coupon, you authorize us to complete your
from the amount you must pay in full to get a grace period on a purchase balance other than an payment by electronic debi . It we do, the checking account will be del fed in the amount on
excluded balance. Honever, you must stil pay any separately required payment on the excluded the check. We may do this as soon as the day we receive the check. Also, the check will bo
balance. in ing cycles in y payments are allocated to deferred interest balances first, the destroyed.
deferred interest balance will be reduced before any other batance on the account. However. you Credit Reporting Disputes. We may report information about your account to credit bureaus.
will continue to get a grace period on purchases, other than an excluded balance, so long as you If you think we reported inaccurate information, please write us at: Crecit Bureau Dispute
bay the New Balance (less any exchided balance, plus any separately required payment on an Verification, P.0. Box 6497, Sioux Falls, SO S717.
eackided balance) in full by the payment due cate each biling cycle. Deferred interest offers may
alsa be called Sane As Cash or No interest, Report a Lost or Stolen Card Immediately. Call the Account inquiries number shown on Page 1.
In addition, certain promotional offers not described above may also allow you to have a grace What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error
period on purchases without having topay allor a portion of the promotional balance by the ‘on your statement, write to us at the address for billing errors and customer service inquiries
payment due date. i that is the case, the promotional offer will describe what happens. shownon Fage 1 of your statement.
How We Calculate Your Balance Subject to Interest Rat . We use a daily balance method In your letter, give us the following information:
(including current transactions) to catculate interest charges. To find out more information about 1. Account information: Your name and account number.
the balance computation method and how the resulting interest charges were determined, contact 2. Dollar amount: The dollar arnount of the suspected error.
us at the Account Inquiries number on the front. 3. Description of Problem: if you think there is an error on your bill, describe what you believe is,
Balance Transfers. Balance transfer amounts are included in the “Purchases” line in the wrong and why you believe it isa mistake.
Summaryof Account Activity. ‘You must contact us within 60 days after the error appeared on your statement,
Membership Fe . Sime accounts are charged a membership fee. To avoid paying this fee, notify ‘You must notify us of any potential errors writing. You may callus, but if you do we are not
us that you are closing your account within 30 days of the mailing or delivery date of the statement Fequired to investigate any potential errors and you may have to pay the amount in question.
on which the fee is tilled.
Minimum Interest Charge. If we charge interest, the charge will be no less than $1. Whilewe investigate whether
or not there
has been an error, the following are true:
+ We cannot try to collect the amount in question, or report you as delinquent on that amount.
a ‘Other Account and Payment Information. + The charge in question may remain on your statement, and we may continue to charge you
0 Payment Amount. You may pay all or part of your account balance at any time. However, you interest on that amount. But, if we determine thatwe mace a mistake, you will not have to pay
r must pay, by the payment due date, at least the minimum payment due. the amount in question or any interestor other fees related to that amount.
When Your Payment Will Be Credited. If we receive your payment in proper format our * While you donot have to pay the amount in que: In, Youare respon le for the remainder of
processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received your balance.
‘here in proper form after that time will be credited as of the next day. Allow 5 to7 days for + We can apply any unpaid amount against your credit limit.
payments by regular mail to reach us. There may be a delay cf up to 5 days in crediting a payment ‘Your Rights If You Are Dissatistied With Your Credit Card Purchases. if you are ciss: ied
‘we receive that is not in proper form or is not sent to the correct address. The correct address for with the goodsor services that you have purchased with your credit card, and you have
agular mail is the address on the front of the payment coupon. The correct address for express in good faith to correct the problem with the merchant, you may have the right not to pay the
mail is shown in the Express Mail section. remaining amount due on the purchase.
Proper Form, For a payment sent by mail or courier to be in proper form, you must: Touse this right, all of the following must be true:
+ Enclose a valid check or money order. No cash, gift cards, or foreign currency please 1. The purchase must have been made in your home state or within 100 miles of your current
* Include your name and the last four digits of your account number. ‘mailing address, and the purchase price must have been more than $50. (Note: Neither of these
Payment Other Than By Mail are necessary if your purchase was based on an advertiser nent we Mailed to you, or if we own
+ In-Store (Where Available}. Any paymentin proper form accepted in-store willbe credited as the company that sold you the goods or services.)
of that cay. Ho we credit availablity may be subject to verification of funds. Not all stores 2. You must have used your credit card for the purchase. Purchases made with cash advances
accept payments, “Cor itact your local store tosee if n-store paymentsare acceptedat that from an ATM or with a check that accesses your credit card account de not qualify.
location. 3. You must not yet have fully paid for the purchase.
* Online /AutoPay, Go to the URL on Page 1 of your statement to make a payment online. You ifallof the criteria above are met ana you are til dissatisfied with the purchase, contact us in
can also enrollin AutoPay and have your payinent amount automatically deducted each month ‘writing at the address for biling errors and custer er Service inquiries shown an Page Tef your
from the payment account you choos: ‘statement,
* Phone, Call the numberon Page | of your statement to make 3 payment by phone. For phone While we investigate, the same rules apply to the puted ammount as discussed above, After we
payments, you sutnorize u 10 stectronical deb your specified bank account by an ACH finish our investigation, we will tell you Sur deci on. At that point, if we think you owe an ami nt
brensactionin the amcunt and ve date t yon indicate on the phone, You may cancel a and you do not pay, we may report you as delinquent.
phone payment by calling us at the Customer Service number at the top of Page I within the BBY MC NA FEB20
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IGEN YH-0- -YKKW-V dV-R- -O-M~ 4 = 20088- -0520
Page
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Please provide change of address and update/add your
phone numbers here: (Use blue or black ink.) WElirrtetlite Bolts
Fetereroll
ai meyaliiit=
“Cell *Home:
Ere S a
“Phone: By giving us a cell number or a number later converted to a Pea tcclice tie e RT CICUI Clty
cell number, you agree that we or our service providers can contact OM Croton cim ae relte fos) elu (tty
you at that number by autodialer, recorded or artificial voice, or a text.
Your ghone plan charges may apply, ey UV ETSESe(-Bvel mer Sau as (e110)
Get started at
BestBuy.AccountOnline.com
Account: EIINEBS96
TRANSACTIONS
Trans Date Description Relerence # Amount
05122 ‘ONLINE PAYMENT DEERFIELD iL 7426907 HEY B6Z1N1 600.00-
05/23 ‘AUTOPAY PAYMENT DEERFIELD 1 7426937H1EY BULODK 72.00-
FEES
TOTAL FEES FOR THIS PERIOD 0.00
INTEREST CHARGED
05729) INTEREST CHARGE ON PURCHASES 46.35
TOTAL INTEREST FOR THIS PERIOD 96.35,
Total Fees Charged in 2020 $0.00
Total Interest Charged in 2020 $245.07
ACTIVITY AND PROMOTIONS DETAIL
Original Purchases,
Promotion Promo Payments Cash Adv, Promotion Deferred Promotion
Trans Trans Previous & Other Fees & Interest New Minimum Interest Ex ition
Amount Date Balance Credits Other Debits Charged alance Payment Due Charges Date
PURCHASES.
REGULAR
$2,009.82 $672.00- $46.35 $1,684.17,
CASH ADVANCES: -
REGULAR
‘
TOTAL 2008 $0.00 $46.35 $1,684.17 ‘$0.00 $0.00
INTEREST CHARGE CALCULATION ‘our Annt ntage Rat ual inter: WF ACCOUNL,
a
PURCHASES
REGULAR 25.24% (M)V) $2,162.41 $46.35
CASH ADVANCES
REGULAR 27.99% (M\V) $0.00 $0.00
(V) = Variable Fate
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Page 3 of 4
Page 4 of 4
Sale File: PORTREC_PRA-BEST-BUY-POST-PRIME-FLOW-1021.XLSX
ACCOUNT NUMBER _ HB QOG,
[PRIOR ACCOUNT NUMBER |***********0000
ERIGR ACCOUNT NUMBER eee)
ERIOE ACCOUNT NUMBER
E RIOR ACCOUNT NUMBER
PRIOR ACCOUNT NUMBER
[DM9 ACCOUNT NUMBER seEEHIEE OOK
CU ACCOUNT NUMBER HEEBOGG
CROSS NUMBER 1 HeIOOOO
CROSS _NUMBER_2 eeeHHEEAOQQQG)
HeEEHEOQOQ
CROSS NUMBER 3
CONSUMER FIRST AND ROBERT P
MIDDLE NAME
CONSUMER LAST NAME _ ONTHANK JR
CONSUMER SSN OR SIN
CONSUMER BIRTH DATE
CONSUMER RESIDENCE 2A OBSERVATORY PL
ADDRESS 1
CONSUMER RESIDENCE
ADDRESS 2 __
CONSUMER RESIDENCE NORWALK
CITY
CONSUMER STATE CT
CONSUMER ZIP CODE 068544135
CONSUMER RESIDENCE
|COUNTRY
CONSUMER RESIDENCE neo nao
PHONE _
BAD NUMBER INDICATOR B
AWARENESS INDICATOR Jes SaBoe
LANGUAGE INDICATOR EN
EMAIL ADDRESS TiS
EMAIL CONSENT Y —
E-STATEMENT INDICATOR E
CO-BORROWER FIRST AND
MIDDLE NAME
CO-BORROWER LAST
|NAM
CO-BORROWER SSN OR
SIN
SALE AMOUNT 2364.54
PRINCIPAL 1637.82
PRE CHARGE OFF 457.72
INTEREST
Sale File: PORTREC_PRA-BEST-BUY-POST-PRIME-FLOW-1021.XLSX
PRE CHARGE OFF FEES 269.00
POST CHARGE OFF 0.00
INTEREST
POST CHARGE OFF FEES 0.00
ORIGINAL LOAN BALANCE
CHARGE OFF BALANCE 2364.54
CURRENT BALANCE 2364.54
ACCOUNT OPEN DATE Apr 6 2017 12:00AM
DEFAULT DATE Sep 24 2020 12:00AM
CHARGE OFF DATE Mar 30 2021 12:00AM
LAST PAYMENT AMOUNT 55.00
LAST PAYMENT DATE Sep 23 2020 12:00AM
LAST PURCHASE AMOUNT 191.42
LAST PURCHASE DATE Feb 14 2020 12:00AM
LAST BALANCE TRANSFER
AMOUNT
LAST
T BALANCE TRANSFER
LAST CASH ADVANCE
AMOUNT
LAST CASH ADVANCE
ATE
TOTAL PAYMENTS POST 0.00
ICHARGE OFF
TOTAL NSF POST CHARGE 0.00
OFF
TOTAL CREDITS POST 0.00
CHARGE OFF
BKT6_ INT AMT
LAST_GOOD_PAYMENT_DA May 23 2020 12:00AM
LAST_GOOD_PAYMENT_A 72.00
SALE SEGMENT BESTBUY
PRODUCT IDENTIFIER 33567203
COD
PRODUCT DESCRIPTION My Best Buyr Visar
STORECARD INDICATOR N
SALE ID 101221PR1BB1PM
LENDING LEVEL 1 OILS
LENDING LEVEL 2 BBNK
ATTORNEY LAW FIRM
ATTORNEY NAME
ATTORNEY PHONE
ATTORNEY ADDRESS
ATTORNEY CITY
ATTORNEY STATE
ATTORNEY ZIP CODE
I
Sale File: PORTREC_PRA-BEST-BUY-POST-PRIME-FLOW-1021.XLSX
DEBT MANAGER ADDRESS [ss
—_|
DEBT MANAGER EMAIL1
CONSENT ==4
DEBT MANAGER EMAIL1 Y
USABILITY _
DEBT MANAGER EMAIL2
ADDRESS
DEBT MANAGER EMAIL2
CONSENT
DEBT MANAGER EMAIL2
USABILITY
DSA NAME
DSA ADDRESS 1
DSA ADDRESS 2
DSA CITY
DSA STATE
DSA ZIP CODE
DSA OFFICE PHONE
DSA EMAIL
BANKRUPTCY CHAPTER ad
BANKRUPTCY FILE DATE
BK PROOF OF CLAIM
PRINCIPAL
BK PROOF OF CLAIM
INTEREST
BK PROOF OF CLAIM FEE
BANKRUPTCY CASE
NUMBER
BANKRUPTCY TRUSTEE
Contract ID: PRSMUMAA081320
Addendum ID; PREMUMAA081320C2
Document ID: 101221PRI1BBIPMG1
AFFIDAVIT OF SALE OF ACCOUNT
State of Missouri
County of Platte
Terri Bergman, being duly sworn, deposes and says:
Tam an authorized employee of Citibank, N.A. (“CBNA”) located at 5800 South Corporate Place, Sioux
Falls, SD 57108 am authorized to make the statements and representations herein and I am over 18 years
of age. In this position, I have access to the creditor’s books and records and am aware of the process of
the sale of accounts and electronic storage of business records.
On or about October 21, 2021, CBNA sold a pool of charged-off accounts (the Accounts) by a Master
Purchase and Sale Agreement dated August 13, 2020, Bill of Sale, and Addendum No. 2 dated August 13,
2020 to Portfolio Recovery Associates, LLC. As part of the sale of the Accounts, certain electronic records
were transferred on individual accounts to the debt buyer. These records were kept in the ordinary course
of business of creditor.
I am not aware of any errors in the information provided about the Accounts. The above statements are
true to the best of my knowledge.
Signed this X e day of Ocletor_. en.
Terri Bergyyan
State of Missouri )
)ss
County of Platte )
On thisQG day of oct : 202}, before me, the undersigned notary, personally appeared
err! Bergman , personally known to me to be the person who signed the preceding or
attached document in my presence and who swore or affirmed to me that the contents of the document
are truthful and accurate to the best of his/her knowledge and belief.
yp
“ ~\
CASA z- ____ [SEAL]
a CAROLYN E. HUGHES
Notary Public - Notary Seal
Stal te of Missouri, Jackson Coun
t
Commission #14927304
My Commission Expires Jan 26, 2022
PRA 081320
Contract ID: PR8MUMAA081320
Addendum ID: PRIMUMAA081320C2
Document ID: 101221PRIBBIPMG1
CERTIFICATE OF CONFORMITY
STATE OF MISSOURI
CITY OF KANSAS CITY
The undersigned does hereby cont that he/she is an attorney at law duly admitted to practice in the State
of Missouri and is a resident of County, in the State of MISSOURI
that he/she is a person duly qualified to make this certificate of conformity pursuant to the laws of the
State of Missouri; that the foregoing affidavit by Terri Bergman named in the foregoing instrument taken
before Hughes
, a Notary in the State of Missouri, was taken in the
manner r prescribed by such laws of the State of Missouri, being the State in which it was taken; and that it
duly conforms with such laws and is in all respects valid and effective in such state.
/O-2b 204 0*5,
AD
Date tore’ Law
PRA 081320
Preview
CN: ces16s PORTFOLIO RECOVERY ASSOCIATES, LL¢c Plaintiff vs. ROBERT P ONTHANK JR Defendant STATEMENT OF CLAIM On 03/30/21 CITIBANK, N.A. BEST BUY charged-off the defendant's Gelinquent balance of $2,364.54 that resulted from the defendant's use of eredit ac count XXXXXXXXXXXX6996. The Plaintiff purchased this debt on 10/21/21. The books and records of the plaintiff show that the defendant is in default and therefore currently indebted to the Plaintiff for a current balance of $2,364.54. The Plaintiff seeks damages forthe account stated balance as periodic account statements were delivered to and held by the Defendant with no unresolved disputes communicated to the Plaintiff. Plaintiff seeks damages for the account stated balance minus any credit(s) on the account occuring after the last statement was transmitted. The basis for venue is that the defendant resides in BRIDGEPORT, or Date Opened: 04/06/17 Last Payment Date by Defendant to an owner of the debt 05/23/20 Last Payment Date by Defendant to attorney: 00/00/00 Charge-Off Date: 03/30/21 THIS COMMUNICATION IS FROM A DEBT COLLECTOR Av Account Statement ‘Send Notice of Billing Errors and Customer Service Inquiriesto: Customer Service: BEST BUY CREDIT SERVICES PO Box 790441, St. Louis, MO63179 c-iiy My Best Buy® Go bestbuy.accountonline.com rey Visa® Card Hl Account Inquiries: 1-888-574-1301 an S Summary of Account Activity Payment Information Previous Balance $2,309.82 New Balance $1,684.17 Payments -$672.00 Minimum Payment Due: $64.00 Other Credits -$0.00 Payment Due Date June 23, 2020 Purchases +$0.00 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 $40. Interest Charged +$46.35 Minimum Payment Warning: If you make only the minimum payment each New Balance $1,684.17 period, you will pay more in interest and it will take you longer to pay off your balance, . For example: Past Due Amount $0.00 J you { Afyou in pay off ‘And you will ‘Credit Limit $2,500.00 Available Credit $815.00 bs oe eee mae me {total enof. Cash Advance Limit $200.00 ‘Only minimum payment 9 years Available Cash Limit $200.00 $67 3years 418 Amount Over Credit Limit $0.00 (Savings=81,404) Statement Closing Date 05/28/2020 1 you would tke information aboul credit counseling services, call 1-877-337-8187. Next Statement Closing Date 06/28/2020 \Days in Billing Cycle st New York residents may contact the New York State Department of Financial Services 1@, 1-800-342-3736, or visit its website, www.dfs.ny.gov, for free information on comparative crecit card rates, fees and grace periods. COVID-19: You may experience longer than usual wait times if you contact our call centers so we want to remind you there are digital tools available to help you manage your account. Visit bestbuy.accountonline.com to manage your account digitally or to register for Account Online. From there you can check your balance and available credit, make a payment, review your statement, enroll for paperless statements and more. Please update your phone number, including cell phone number on the back of the payment coupon. Marketing offers included in this statement are intended for residents of the United States and its Territories. HM20 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A. annacsasersane pour: fay apo upper port ion for your records. ¥ wan Your Account Number is NINN 6996 Payment Due Date June 23, 2020 POBOX 6204 (New Balance $1,684.17 SIOUX FALLS, SD 57117-8204 Past Due Amount $0.00 Your account is enrolled in AutoPay. Minimum Pa: it Due $64.00 Statement Enclosed ean Br intee Ene oe Please print address changes on the reverse side. Make Checks Payable tow BEST BUY CREDIT SERVICES ROBERT P ONTHANK JR PO BOX 78009 35 BEAUMONT ST PHOENIX, AZ 85062-8009 FAIRFIELD, CT 06824-5702 SL Information About Your Account. time period disclosed te you on the phone. Thereisno oking 0 payment using our How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the automated voice response stern. close 5Baa of eacn billing cycle. willnot har} you any interest on purchasesif you pay your New + Agent-Assisted Phone Payments. If ya HN tom payment with the ance of a payment due date each month piss called grace period on purchases. To get a live agent, the payment willbe applied the s dayane ‘ou willbe c srs a $5.00 agent grace pe near vou st payth Nev Balance by the payment due date every billing expedited payment fee. cyele. If you do not, will not gi a grave periog until you pay the New Balance for two billing + Express Mail. Send payment oy express mail to: Consumer Payr Dept, 6716 Gr 6 cycle in. row. We will beain charging est on cash advances and balance transfers on the Building 9, Suite 910, Louisville, KY 402°3. transaction date, + Crediting Payments other than by Mail, The payment cutoff ti for Online bill payments ity out ave a balance subject to a deferred interest promotion and that promotion does not expire Phone payments,and Express Mail payrnents nignight Easter fime.T neans t before thie payment due date, that balance (an “excluded balance”) is excluded from the amount will credit your account as of the calendarday, .ased on Eastern time. atat eive you you must pay in fullto get a grave period on a purchase balance other than an excluded balance. payment request. Inaxidition, if you have a reduced rate credit plan, that balance (an “excluded balance”)is excluded HM you send an efigible check with this payment coupon, you authorize us to complete your from the amount you must pay in full to get a grace period on a purchase balance other than an payment by electronic debi . It we do, the checking account will be del fed in the amount on excluded balance. Honever, you must stil pay any separately required payment on the excluded the check. We may do this as soon as the day we receive the check. Also, the check will bo balance. in ing cycles in y payments are allocated to deferred interest balances first, the destroyed. deferred interest balance will be reduced before any other batance on the account. However. you Credit Reporting Disputes. We may report information about your account to credit bureaus. will continue to get a grace period on purchases, other than an excluded balance, so long as you If you think we reported inaccurate information, please write us at: Crecit Bureau Dispute bay the New Balance (less any exchided balance, plus any separately required payment on an Verification, P.0. Box 6497, Sioux Falls, SO S717. eackided balance) in full by the payment due cate each biling cycle. Deferred interest offers may alsa be called Sane As Cash or No interest, Report a Lost or Stolen Card Immediately. Call the Account inquiries number shown on Page 1. In addition, certain promotional offers not described above may also allow you to have a grace What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error period on purchases without having topay allor a portion of the promotional balance by the ‘on your statement, write to us at the address for billing errors and customer service inquiries payment due date. i that is the case, the promotional offer will describe what happens. shownon Fage 1 of your statement. How We Calculate Your Balance Subject to Interest Rat . We use a daily balance method In your letter, give us the following information: (including current transactions) to catculate interest charges. To find out more information about 1. Account information: Your name and account number. the balance computation method and how the resulting interest charges were determined, contact 2. Dollar amount: The dollar arnount of the suspected error. us at the Account Inquiries number on the front. 3. Description of Problem: if you think there is an error on your bill, describe what you believe is, Balance Transfers. Balance transfer amounts are included in the “Purchases” line in the wrong and why you believe it isa mistake. Summaryof Account Activity. ‘You must contact us within 60 days after the error appeared on your statement, Membership Fe . Sime accounts are charged a membership fee. To avoid paying this fee, notify ‘You must notify us of any potential errors writing. You may callus, but if you do we are not us that you are closing your account within 30 days of the mailing or delivery date of the statement Fequired to investigate any potential errors and you may have to pay the amount in question. on which the fee is tilled. Minimum Interest Charge. If we charge interest, the charge will be no less than $1. Whilewe investigate whether or not there has been an error, the following are true: + We cannot try to collect the amount in question, or report you as delinquent on that amount. a ‘Other Account and Payment Information. + The charge in question may remain on your statement, and we may continue to charge you 0 Payment Amount. You may pay all or part of your account balance at any time. However, you interest on that amount. But, if we determine thatwe mace a mistake, you will not have to pay r must pay, by the payment due date, at least the minimum payment due. the amount in question or any interestor other fees related to that amount. When Your Payment Will Be Credited. If we receive your payment in proper format our * While you donot have to pay the amount in que: In, Youare respon le for the remainder of processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received your balance. ‘here in proper form after that time will be credited as of the next day. Allow 5 to7 days for + We can apply any unpaid amount against your credit limit. payments by regular mail to reach us. There may be a delay cf up to 5 days in crediting a payment ‘Your Rights If You Are Dissatistied With Your Credit Card Purchases. if you are ciss: ied ‘we receive that is not in proper form or is not sent to the correct address. The correct address for with the goodsor services that you have purchased with your credit card, and you have agular mail is the address on the front of the payment coupon. The correct address for express in good faith to correct the problem with the merchant, you may have the right not to pay the mail is shown in the Express Mail section. remaining amount due on the purchase. Proper Form, For a payment sent by mail or courier to be in proper form, you must: Touse this right, all of the following must be true: + Enclose a valid check or money order. No cash, gift cards, or foreign currency please 1. The purchase must have been made in your home state or within 100 miles of your current * Include your name and the last four digits of your account number. ‘mailing address, and the purchase price must have been more than $50. (Note: Neither of these Payment Other Than By Mail are necessary if your purchase was based on an advertiser nent we Mailed to you, or if we own + In-Store (Where Available}. Any paymentin proper form accepted in-store willbe credited as the company that sold you the goods or services.) of that cay. Ho we credit availablity may be subject to verification of funds. Not all stores 2. You must have used your credit card for the purchase. Purchases made with cash advances accept payments, “Cor itact your local store tosee if n-store paymentsare acceptedat that from an ATM or with a check that accesses your credit card account de not qualify. location. 3. You must not yet have fully paid for the purchase. * Online /AutoPay, Go to the URL on Page 1 of your statement to make a payment online. You ifallof the criteria above are met ana you are til dissatisfied with the purchase, contact us in can also enrollin AutoPay and have your payinent amount automatically deducted each month ‘writing at the address for biling errors and custer er Service inquiries shown an Page Tef your from the payment account you choos: ‘statement, * Phone, Call the numberon Page | of your statement to make 3 payment by phone. For phone While we investigate, the same rules apply to the puted ammount as discussed above, After we payments, you sutnorize u 10 stectronical deb your specified bank account by an ACH finish our investigation, we will tell you Sur deci on. At that point, if we think you owe an ami nt brensactionin the amcunt and ve date t yon indicate on the phone, You may cancel a and you do not pay, we may report you as delinquent. phone payment by calling us at the Customer Service number at the top of Page I within the BBY MC NA FEB20 ‘IAl- HM - 8356-7208-0001 - N2 ¥/- 4306059120 - C 40/- -0- - 31 4D-R-E-Y-0-Y ¥E/-0- s = N= -0-0-¥F¥- 01/90/20 - 0401/17 - 27 - April 28, 2020 IGEN YH-0- -YKKW-V dV-R- -O-M~ 4 = 20088- -0520 Page 2 0f4 Please provide change of address and update/add your phone numbers here: (Use blue or black ink.) WElirrtetlite Bolts Fetereroll ai meyaliiit= “Cell *Home: Ere S a “Phone: By giving us a cell number or a number later converted to a Pea tcclice tie e RT CICUI Clty cell number, you agree that we or our service providers can contact OM Croton cim ae relte fos) elu (tty you at that number by autodialer, recorded or artificial voice, or a text. Your ghone plan charges may apply, ey UV ETSESe(-Bvel mer Sau as (e110) Get started at BestBuy.AccountOnline.com Account: EIINEBS96 TRANSACTIONS Trans Date Description Relerence # Amount 05122 ‘ONLINE PAYMENT DEERFIELD iL 7426907 HEY B6Z1N1 600.00- 05/23 ‘AUTOPAY PAYMENT DEERFIELD 1 7426937H1EY BULODK 72.00- FEES TOTAL FEES FOR THIS PERIOD 0.00 INTEREST CHARGED 05729) INTEREST CHARGE ON PURCHASES 46.35 TOTAL INTEREST FOR THIS PERIOD 96.35, Total Fees Charged in 2020 $0.00 Total Interest Charged in 2020 $245.07 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promo Payments Cash Adv, Promotion Deferred Promotion Trans Trans Previous & Other Fees & Interest New Minimum Interest Ex ition Amount Date Balance Credits Other Debits Charged alance Payment Due Charges Date PURCHASES. REGULAR $2,009.82 $672.00- $46.35 $1,684.17, CASH ADVANCES: - REGULAR ‘ TOTAL 2008 $0.00 $46.35 $1,684.17 ‘$0.00 $0.00 INTEREST CHARGE CALCULATION ‘our Annt ntage Rat ual inter: WF ACCOUNL, a PURCHASES REGULAR 25.24% (M)V) $2,162.41 $46.35 CASH ADVANCES REGULAR 27.99% (M\V) $0.00 $0.00 (V) = Variable Fate a ae Wa ateyalt pied a i a ©) folalel al (ee; <-1e Me) s\o)a\-8-]a(e REs~1-) Geile |Cl-\0 oO ceial-\s-\s Leyte er] ale MU] On Chee oe a Pore ener eee en og Meo acai o Page 3 of 4 Page 4 of 4 Sale File: PORTREC_PRA-BEST-BUY-POST-PRIME-FLOW-1021.XLSX ACCOUNT NUMBER _ HB QOG, [PRIOR ACCOUNT NUMBER |***********0000 ERIGR ACCOUNT NUMBER eee) ERIOE ACCOUNT NUMBER E RIOR ACCOUNT NUMBER PRIOR ACCOUNT NUMBER [DM9 ACCOUNT NUMBER seEEHIEE OOK CU ACCOUNT NUMBER HEEBOGG CROSS NUMBER 1 HeIOOOO CROSS _NUMBER_2 eeeHHEEAOQQQG) HeEEHEOQOQ CROSS NUMBER 3 CONSUMER FIRST AND ROBERT P MIDDLE NAME CONSUMER LAST NAME _ ONTHANK JR CONSUMER SSN OR SIN CONSUMER BIRTH DATE CONSUMER RESIDENCE 2A OBSERVATORY PL ADDRESS 1 CONSUMER RESIDENCE ADDRESS 2 __ CONSUMER RESIDENCE NORWALK CITY CONSUMER STATE CT CONSUMER ZIP CODE 068544135 CONSUMER RESIDENCE |COUNTRY CONSUMER RESIDENCE neo nao PHONE _ BAD NUMBER INDICATOR B AWARENESS INDICATOR Jes SaBoe LANGUAGE INDICATOR EN EMAIL ADDRESS TiS EMAIL CONSENT Y — E-STATEMENT INDICATOR E CO-BORROWER FIRST AND MIDDLE NAME CO-BORROWER LAST |NAM CO-BORROWER SSN OR SIN SALE AMOUNT 2364.54 PRINCIPAL 1637.82 PRE CHARGE OFF 457.72 INTEREST Sale File: PORTREC_PRA-BEST-BUY-POST-PRIME-FLOW-1021.XLSX PRE CHARGE OFF FEES 269.00 POST CHARGE OFF 0.00 INTEREST POST CHARGE OFF FEES 0.00 ORIGINAL LOAN BALANCE CHARGE OFF BALANCE 2364.54 CURRENT BALANCE 2364.54 ACCOUNT OPEN DATE Apr 6 2017 12:00AM DEFAULT DATE Sep 24 2020 12:00AM CHARGE OFF DATE Mar 30 2021 12:00AM LAST PAYMENT AMOUNT 55.00 LAST PAYMENT DATE Sep 23 2020 12:00AM LAST PURCHASE AMOUNT 191.42 LAST PURCHASE DATE Feb 14 2020 12:00AM LAST BALANCE TRANSFER AMOUNT LAST T BALANCE TRANSFER LAST CASH ADVANCE AMOUNT LAST CASH ADVANCE ATE TOTAL PAYMENTS POST 0.00 ICHARGE OFF TOTAL NSF POST CHARGE 0.00 OFF TOTAL CREDITS POST 0.00 CHARGE OFF BKT6_ INT AMT LAST_GOOD_PAYMENT_DA May 23 2020 12:00AM LAST_GOOD_PAYMENT_A 72.00 SALE SEGMENT BESTBUY PRODUCT IDENTIFIER 33567203 COD PRODUCT DESCRIPTION My Best Buyr Visar STORECARD INDICATOR N SALE ID 101221PR1BB1PM LENDING LEVEL 1 OILS LENDING LEVEL 2 BBNK ATTORNEY LAW FIRM ATTORNEY NAME ATTORNEY PHONE ATTORNEY ADDRESS ATTORNEY CITY ATTORNEY STATE ATTORNEY ZIP CODE I Sale File: PORTREC_PRA-BEST-BUY-POST-PRIME-FLOW-1021.XLSX DEBT MANAGER ADDRESS [ss —_| DEBT MANAGER EMAIL1 CONSENT ==4 DEBT MANAGER EMAIL1 Y USABILITY _ DEBT MANAGER EMAIL2 ADDRESS DEBT MANAGER EMAIL2 CONSENT DEBT MANAGER EMAIL2 USABILITY DSA NAME DSA ADDRESS 1 DSA ADDRESS 2 DSA CITY DSA STATE DSA ZIP CODE DSA OFFICE PHONE DSA EMAIL BANKRUPTCY CHAPTER ad BANKRUPTCY FILE DATE BK PROOF OF CLAIM PRINCIPAL BK PROOF OF CLAIM INTEREST BK PROOF OF CLAIM FEE BANKRUPTCY CASE NUMBER BANKRUPTCY TRUSTEE Contract ID: PRSMUMAA081320 Addendum ID; PREMUMAA081320C2 Document ID: 101221PRI1BBIPMG1 AFFIDAVIT OF SALE OF ACCOUNT State of Missouri County of Platte Terri Bergman, being duly sworn, deposes and says: Tam an authorized employee of Citibank, N.A. (“CBNA”) located at 5800 South Corporate Place, Sioux Falls, SD 57108 am authorized to make the statements and representations herein and I am over 18 years of age. In this position, I have access to the creditor’s books and records and am aware of the process of the sale of accounts and electronic storage of business records. On or about October 21, 2021, CBNA sold a pool of charged-off accounts (the Accounts) by a Master Purchase and Sale Agreement dated August 13, 2020, Bill of Sale, and Addendum No. 2 dated August 13, 2020 to Portfolio Recovery Associates, LLC. As part of the sale of the Accounts, certain electronic records were transferred on individual accounts to the debt buyer. These records were kept in the ordinary course of business of creditor. I am not aware of any errors in the information provided about the Accounts. The above statements are true to the best of my knowledge. Signed this X e day of Ocletor_. en. Terri Bergyyan State of Missouri ) )ss County of Platte ) On thisQG day of oct : 202}, before me, the undersigned notary, personally appeared err! Bergman , personally known to me to be the person who signed the preceding or attached document in my presence and who swore or affirmed to me that the contents of the document are truthful and accurate to the best of his/her knowledge and belief. yp “ ~\ CASA z- ____ [SEAL] a CAROLYN E. HUGHES Notary Public - Notary Seal Stal te of Missouri, Jackson Coun t Commission #14927304 My Commission Expires Jan 26, 2022 PRA 081320 Contract ID: PR8MUMAA081320 Addendum ID: PRIMUMAA081320C2 Document ID: 101221PRIBBIPMG1 CERTIFICATE OF CONFORMITY STATE OF MISSOURI CITY OF KANSAS CITY The undersigned does hereby cont that he/she is an attorney at law duly admitted to practice in the State of Missouri and is a resident of County, in the State of MISSOURI that he/she is a person duly qualified to make this certificate of conformity pursuant to the laws of the State of Missouri; that the foregoing affidavit by Terri Bergman named in the foregoing instrument taken before Hughes , a Notary in the State of Missouri, was taken in the manner r prescribed by such laws of the State of Missouri, being the State in which it was taken; and that it duly conforms with such laws and is in all respects valid and effective in such state. /O-2b 204 0*5, AD Date tore’ Law PRA 081320