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ROBERT K. HANNA, State Bar No.: 341970
JUNQIAO XIAO, State Bar No.: 341670
1 HYO JIN JULIA JUNG, State Bar No.: 316090
2 MICHAEL D. KAHN, State Bar No.: 236898
Midland Credit Management, Inc.
3 350 CAMINO DE LA REINA, SUITE 100
SAN DIEGO, CA 92108
4 Telephone: (866) 300-8750
Facsimile: (858) 309-1588
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CA Debt Collector License Number Pending
6 Attorneys for Plaintiff
SUPERIOR COURT OF CALIFORNIA
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COUNTY OF ALAMEDA
8 HAYWARD HALL OF JUSTICE - CIVIL DIVISION
9 MIDLAND CREDIT MANAGEMENT, INC. Case No.
10 Plaintiff, COMPLAINT FOR:
11 vs. (1) Account Stated
12 ASEM SAIBAN; PRAYER AMT: $2,887.37
and DOES 1 through 10, inclusive LIMITED
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Defendant.
14 MIDLAND CREDIT MANAGEMENT, INC., ("Plaintiff"), by counsel, sues ASEM SAIBAN, (“Defendant”)
15 under Account Stated and in support thereof states:
1. Plaintiff is authorized to do business in CALIFORNIA, with its principal place of business at 350
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CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff owns portfolios of
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consumer receivables, which it attempts to collect. Plaintiff strives to treat its consumers, such as
18 Defendant, with respect, compassion and integrity, hoping to provide mutually-beneficial
19 opportunities for consumers to repay their debts and attain financial recovery.
2. Defendant is a resident of ALAMEDA County, State of California and is subject to this Court’s
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jurisdiction.
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3. Plaintiff is unaware of the true names and capacities of Defendants sued by the fictitious names
22 DOES 1 through 10. Plaintiff will ask leave of court to amend this complaint as and when the
23 true names and capacities of Defendants named herein as DOES 1 through 10 have been
ascertained.
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Pursuant to California Civil Code (“CA CIVIL”) §1788.58(a)(1)-(9), Plaintiff alleges:
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4. Plaintiff is a debt buyer as defined by CA CIVIL §1788.50(a).
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COMPLAINT
CA_0132G File No.: 23-86404 SCP
1 5. Defendant established a credit account (the “Account”) with COMENITY CAPITAL
2 BANK. The amount due is the result of transactions that occurred on the Account.
Defendant was provided statements evidencing Defendant’s use of the Account and the
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balance due. Defendant failed to make the required payments and subsequently
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defaulted on the Account on June 19, 2021. Thereafter, Plaintiff was assigned all rights,
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title, and interest in the Account.
6 6. Plaintiff is the sole owner of the debt. Attached as Exhibit A is a true and correct copy of
7 the Bill of Sale from COMENITY CAPITAL BANK, to Plaintiff. The Account was
8 purchased by Plaintiff on March 30, 2022.
9 7. The Account balance at the time of charge-off was $2,887.37. Plaintiff alleges that the
date of default is June 19, 2021 and the date of the last payment was December 31, 2021.
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8. The name of the charge-off creditor at the time of charge-off is COMENITY CAPITAL
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BANK. The address utilized by COMENITY CAPITAL BANK at the time of charge-off
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was 2795 E. COTTONWOOD PARKWAY SUITE 100 SALT LAKE CITY,UT 84121.
13 At the time of charge off, the account number associated with the debt was
14 XXXXXXXXXX-XX-0072.
15 9. The name of the debtor as it appeared in the records of COMENITY CAPITAL BANK is
16 ASEM SAIBAN and the last known address as it appeared in the records of COMENITY
17 CAPITAL BANK is 16522 RUSSELL CT SAN LEANDRO CA 94578.
10. The name and address of all post charge-off purchasers of the debt are as follows:
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Name Address
19 MIDLAND CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN
INC. DIEGO CA 92108
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21 11. Plaintiff has complied with the provisions of CA CIVIL §1788.52. Plaintiff informed
22 Defendant of the assignment of the Account.
23 12 Pursuant to CA CIVIL §1788.58(b), attached as Exhibit B is a true and correct copy of a
24 monthly statement recording a purchase transaction, payment, or balance transfer while
the Account was active as required by CA CIVIL §1788.52(b).
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13. Attached as Exhibit C is a true and correct copy of a billing statement that was mailed to
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Defendant stating the balance due on the Account at or around the time of charge-off.
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COMPLAINT
CA_0132G File No.: 23-86404 SCP
1 14. Plaintiff acquired all right, title, and interest to the Account. To the extent that Plaintiff
2 acts in its capacity as successor-in-interest to the original creditor or its assigns,
references herein to Plaintiff may include Plaintiff’s predecessor-in-interest.
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15. Plaintiff has attempted to contact Defendant through several means in an effort to resolve
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the Account, but has been unsuccessful. Defendant has not repaid this debt. Plaintiff
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works with consumers like Defendant to find mutually acceptable solutions, often
6 offering discounts, hardship plans, and a variety of payment options. The majority of
7 Plaintiff's consumers ignore calls or letters, and some simply refuse to repay their
8 obligations. When this happens, Plaintiff must decide whether to pursue collection
9 through legal channels, including litigation such as the present action against Defendant.
Nonetheless, Plaintiff remains interested in discovering a mutually beneficial solution
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through voluntary payments, if possible, in this case.
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16. Before commencement of this action, Plaintiff informed Defendant in writing, that it
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intended to file this action and that this action could result in a judgment against
13 Defendant that would include court costs allowed by California Code of Civil Procedure
14 § 1033(b)(2).
15 FIRST CAUSE OF ACTION
16 ACCOUNT STATED
17. Plaintiff realleges and incorporates by reference the foregoing paragraphs.
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18. An account was stated in writing between Defendant and COMENITY CAPITAL
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BANK. Defendant opened and derived benefit from the Account. By using the Account,
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Defendant expressly or impliedly promised to repay COMENITY CAPITAL BANK.
20 Within the last four years, Defendant became indebted on the Account.
21 19. On the Account, a balance of $2,887.37 was stated to be due to COMENITY CAPITAL
22 BANK from Defendant. Plaintiff has no record of Defendant objecting to the balance
23 due.
20. Before the commencement of this action, Plaintiff was assigned the Account and
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indebtedness. Plaintiff is now the sole owner of the Account.
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21. Plaintiff has made a demand on Defendant for repayment of the Account, but Defendant
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has failed to pay the balance due.
27 22. The current balance presently due and owing is $2,887.37 which includes payments, set-
28 offs, credits or allowances, if any, at or after charge-off.
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COMPLAINT
CA_0132G File No.: 23-86404 SCP
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2 WHEREFORE, Plaintiff requests judgment against Defendant for $2,887.37, costs of this action
and post judgment interest at the statutory rate. Plaintiff waives any claim for pre- judgment interest and
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attorney's fees.
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Dated: June 21, 2023 MIDLAND CREDIT MANAGEMENT, INC.
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----e_. ~ lia Jung, Esq
By:
ROBERT K. HANNA / JUNQIAO XIAO
11 MICHAEL D. KAHN / HYO JIN JULIA JUNG
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COMPLAINT
CA_0132G File No.: 23-86404 SCP
EXHIBIT A
BJLL OF SALE
Comenity Capital Bank ("Seller"), for val.ue received and pursuant to the terms and
conditions of that certain Credit Card Account Purchase Agreement dated October 25,
2019 between Seller and Midland Credit Management, Inc. ("Purchaser"), its successors
and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of
the Closing Date of March 30, 2022 all rights, title and interest of Seller in and to those
certain Accounts described in the Credit Card Account Purchase Agreement and
Schedu le I (the "Asset Schedule") attached hereto and made part hereof for all purposes,
to Purchaser.
The information contained in the Sale File (collectively, "Seller's Accounts
Information") is true and complete as of the File Creation Date. Further, all of the
information contained in Seller's Accounts Information (a) constitutes Seller's own
business records regarding the Accounts and (b) accurately reflects in all material
respects the information about the Accounts in Seller's possession. All of Seller's
Accounts Information has been kept in the regular course of Seller's business, and was
made or compiled at or near the time of the event and recorded by (or from information
transmitted by) a person (i) with knowledge of the data entered into and maintained in
Seller's business records, or (ii) who caused the data to be entered into and maintained in
Seller's business records. All capitalized tenns used, but not defined, in this Bill of Sale
shall have the meanings assigned to such term in the Credit Card Account Purchase
Agreement. ·
This Bill of Sale is executed without recourse except as stated in the Credit Card Account
Purchase Agreement to which this is an Exhibit. No other representation of or warranty of
title or enforceability is expressed or implied.
COMENlTY CAPITAL BANK Midland Credit Mnnagement, Inc.
By: ;,0~k, ,wNµwt:--
Date:'½rt:n-
By ~ ~
Date: 5/5/2022
Title: Chief Credit Officer Title VP of Business Development
SCHEDULE 1 TO BILL OF SALE
ASSET SCHEDULE
The individual Accounts transferred pursuant to the Credit Card Accourit Purchase Agreement and
Bi11 of Sale are described in the electronic file named
MCMG_HF_MARCH,...2022_DPL_CCB.TXT;MCMG_HF_MARCH_2022_LCS_CCB.TXT
delivered by Comenity Capital Bank to Midland Credit Management, Inc. on March 28,
2022 and summarized in the table immediately.below (the "Sale File").
# of Charged-off
Aggregate Unpaid Balance Percent File Creation Date
Accounts
03/28/2022
EXHIBITB
CLOSING STATEMENT
AGREEMENT DATE: October 25 20 I 9
SELLER: COMENITY CAPITAL BANK
PURCHASER: Midland Credit Management; lnc.
MCMG_HF_MARCH_2022_DPL_CCB.TXT;
FILE NUMBER: MCMG_HF_MARCH_ 2022_LCS_CCB.TXT
NUMBER OF ACCOUNTS:
TOTAL UNPAID BALANCE:
PURCHASE PRICE
PERCENTAGE:
PURCHASE PRICE:
FfLE CREATION DATE: March 28, 2022
CLOSING DATE: March 30, 2022
WIRING lNSTRUCTJONS
PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORIGINAL CREDITOR
STATE OF: UTAH
COUNTY OF: SALT LAKE
On ( f{l(!l:U- • Bruce Bowman ("Affiant") being duly sworn, deposes and says:
I. I am over '18 and I am the Chief Credit Officer of Comenity Capital Bank ("Seller"). In that
capacity and as part of my regular job duties, I have custody of certain business records of
Seller, mutinely review such business records, and am familiar with Seller's processes for the
sale and assignment of accounts and business records, including those that are maintained in
electronic form.
2. Seller owns certain accounts, and maintains and records information in the records as they
relate to such accounts. l am authorized to make the statements and representations set forth in
this affidavit on behalf of Seller. The statements set forth herein are true and correct to the best
of my knowledge, information, and belief, based on either personal knowledge or review of the
business records of the Seller. If called upon as a witness, I can testify competently to the facts
contained herein.
3. My regular job duties include having knowledge of, and access to, business records relating to
the Accounts (as defined below). These records are kept by Seller in the regular course of
business, and it was in the regular course of business of Seller, for an employee or
representative with personal knowledge of the act, event, condition, or opinion recorded to
make memorandum or records or to transmit information thereof to be included in such
memorandum or records; and that the records were made at or near the time of the act and/or
event recorded or reasonably soon thereafter.
4. On or about 03/30/2022, Seller sold a pool of charged-off accounts (the "Accounts") by a
Credit Card Account Purchase Agreement to Midland Credit Management, Inc. ("Buyer"). The
original creditor at the time of charge-off was Comenity Capital Bank.
5. Pursuant to the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over
and delivered to Buyer and its successors and assigns; good and marketable title to the
Accounts and any unpaid balance free and clear of any encumbrance, equity, lien, pledge,
charge, claim or security interest. J am not aware of any errors in the Accounts.
6. In connection with the sale of the Accounts, electronic and other records were transferred to or
otherwise made available to the Buyer (the "Transferred Records"). The Transferred Records
have been kept in the regular course of Seller's business, and were made or compiled at or near
the time of the event and recorded by (or from information transmitted by) a person
(i)with knowledge of the data entered into and maintained in Seller's business records, or (ii)
who caused the data to be entered into and maintained in Seller's business records. To the
extent that the Transferred Records include records that were prepared by a third party, they are
records that were incorporated into the records of Seller as a business record and the accuracy
of such records are relied upon by Seller in the regular course of business.
7. I certify under penalty of perjury that the foregoing is true and correct.
FURTHER AFFIANT SA YETH NOT.
Signed this _ /_6_1t...__day of April, 2022
~~ ~-
, -
Bruce Bowman (/\FFIANTNAME)
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Comenity Capital Bank
Subscribed and sworn to before me this .J..i!!:'
day of April, 2022, by
1;)cu<.-& '?x>lb)b'Vvo , an employee ofComenity Capital Bank
JENNIFER PARDUE
Notary Public - State ol Ut al-
Comm. No. 71884"'
My Commission !xp!res or
Jun 17, 2025
CERTIFICATE OF CONFORMITY
STATE OF UTAH
COUNTY OF SALT LAKE
The undersigned does hereby certify that he is an attorney at law duly admitted to practice in the
State of Utah and is a resident of Salt Lake County, Utah; that he is a person duly qualified to
make this certificate of conformity; that the foregoing acknowledgment by Bruce Bowman
named in the foregoing instrument taken before Jennifer Pardue a notary in the State of Utah
duly conforms wn:h the Jaws of the State of Utah, being the State in which it was taken; and
when executed by Mr. Bowman in the manner indicated will qualify as a valid and effective
sworn statement in such state.
Date A~omey at ii/iw for the State of Utah
Field
Account Number 072
Seller Account ID 1097547314
First Name ASEM
Last Name SAIBAN
SSN
Date of Birth
Address 1
City
State
-XXX-XX-5168
16522 RUSSELL CT
SAN LEANDRO
CA
Zip 94578
Home Phone 5109622127
Open Date 11/09/2020
Last Purchase Date 11/09/2020
Last Purchase Amount $3,100.00
Last Payment Date 12/31/2021
Last Payment Amount $168.00
Sale Amount $2,887.37
Charge Off Date 02/28/2022
Charge off Balance $2,887.37
Post Charge Off Interest $0.00
Post Charge off Fee $0.00
Post Charge off Payments $0.00
Post Charge off Payments and Credits $0.00
Post Charge off Credits $0.00
Affinity IDDEAL
Account information provided by Comenity Capital Bank pursuant to the Bill of Sale/Assignment of
Accounts transferred on or about 03/30/2022 in connection with the sale of accounts from Comenity
Capital Bank to Midland Credit Management, Inc.
MCMG_HF_MARCH_2022_DPL_CCB.TXT; MCMG_HF_MARCH_2022_LCS_CCB.TXT
Visit Comenity EasyPay at comenity.net/easypay to
schedule a payment for the minimum due and bring
your account current.
PAGE I OF 4
Summary of account actIv1ty Payment 1nformat1on
Account r10 . Nt'w balance $2,845.31
Minimum paymt>rit dut' $663.00
Prt!viuu:s balar1c11:1 $2,971 .17 Payme11t due date 02/19/2022
Flaymt>r11s -168 .00
Other c-edils 0.00 Late paymenl warnlng:
lfwe do not receive your minimum payment by 02/ 19/2022 you may
Purchases 0.00
Other debits 0.00
have 10 pay up to a $40.00 late fee
Fees charged 40.00 Minimum payment warning: If you make only the minimum
Iritttrt>st chargt:!d 2 .14 payment fo• each period, you will pay mo·e in interest and it will take
New balance $2,845.31 you longe· to pay off your balances . For example:
Past due amount 571.00 If you malm~ $3400
Fur ir1fu-matkJ11 r~ga-ding C'f:dit cuu11sf:li11g s~rvicf:s,
call 1-800-284-1706.
If you do not pay yo Jr " Ian 836-00001 ba lance of $2.751-00 br Nov 12. 2J23 any remain ,ng oa lan oe wi ll be assessed
inte-est at the ,ta1dard purchase APR.
1f y:,u ret urnej an iteTl t hat was on a :x om:,t onal plan and have questions w t h how tha -at.Jrn was appl ed to you-
accou nt . please call us.
Skip sign ing i1 to pay anj ,Jse Comenity';; Ea:syPay. It's ;;afe and conven ie1t. Useyotir smart pho1e camw::1 or code
reader to scnn the QR :::ode x inted 01 your payme1t stub Jelow to get started .
De1a1ls of your 1ransact1ons
TRANS DATE TRANSACTION DESCRIPTION/LOCAT ION AMOUNT
12131/2021 PAYMENT - THANK YOU -168,00
Fee:.
01/1912022 LATE FEE 40,00
Total fees charged for this period $40,00
lntere:.t charged
Interest charge on purchases $2,14
Total interest for this period $2,14
2022 totals year to date
Total fees charged in 2022 $40.00
Total inte rest charged in 2022 $214
Interest charge calculation
Your Aanual Pe-centage Rate (APR) is the annual interest -ate o, your account See BALANCE COMPUTATIDN METHOD
on page 2 for more details. Minimum interest charge may exceed interest charge below, per your c redit card agreement
TYPE OF BAL4NCE SUBJECT INTEREST
BAL4NCE APA TO INTEREST RATE CHARClE
Purchases 29.9900% 83,71 2 ,14
Piao 836-00001 WV INT EQ PAY 0.0000% 0.00 0.00
________________________________ \J0Tl::::E: See -averse side for impo'ta1t info•mation_________________ _ _____________________ _
Please tear al perforati on above
Accou1t
mmber
\Jew balance- Minimum payment
$2 845,31 I $663,00
99 4
~;~~1ls'½~i;ts must reach us by 6pm ET
□
Yes, .1 h(1Vt: move-d vr upclctte-c! my Amount
e-mail address - see reverse. enclo3.ed:
$ Please make check payable to
COM EN ITY - Id deal Card
,11 .. 11,1,,,,11111,1,,1,,1,,111,11 .. 1,1,1 .. 1,1,11,1,,,11111,1,11,
Please return this portio, along with your payment to:
ASEMSAIBAN
16522 RUSSELL CT PO BOX 650965
SAN LEANDRO CA 94578-1 532 DALLAS TX 75265-0965
11•111 11111 111•11•1 1•""''1 11 111 11 1111•l•111l1111• 1•11 11•••11h1
43001017 00022379 0072 000066300 000284531
Credit card offers are subject to credit approval.
lddeal Credit Card Accounts are issued by Comenity Capital Bank.
Keeµ this µurtiu11 fur yuLH rcc.:or ds.
CREDIT REPORTING. WJs. 0 1-1 4~218 2620. NOTICE OF CR EDIT REPORT DISPUTES It )':)U :::,el1eve I le acc:xmt
111tormat1on we reported t::;, :1 consJme- re:::io1 111g agency 1s 111:1ccu--at:::, ~·ou
r1p ur lel ler, g ive us l h~ r:)llowir1g nlrn1m1l ion:
11<1\' suU·11it<1 d ired d sµute \0 Com:;11i l\· Gut::: must ;;rnvIdc suttIcIc1t
• V u /fifr ifm:.Jun(: I 11~ dulli::11 i::lflltJ.mt ul !he susµ~:;ted ~rrur. irilo1111c1ti:Jr1 Lo idi::!ritit,• Lile ac:.:uu·1t ,:1rtJ sµec il\· wtw nie in1orru:tl i:m is
• Vt1!>c rf,/tiuu 1.1f Pr'..!bfttm: II yuu thi11{ 111:n~ b :tr1!:!11u· ur1)'LI.II tii ll . 111accu--at::: ;
des::r ibe whnl yrn1 :ielieve is wnng ;,im l w·1y y()u :n:>lieve ii is ;,i III sl,1ke. • Account lnt ormation: Your 1a11e and account numoer
• Contact lrifo rmat iori: Y1ur -ii:l:hiss nnd l:dcphrnu1 ·1umbe1
You ·11ust cu1 1!;:i:.:t us wilh il 1bO d;;,ys i:ltt::1 tl1!:! ~11:.,r ::IIJµ,'-!i:n:d L''t yu..11
stat :;!m~nt . Ycu must 1ot1ty us ::it ::1ny potc1t 1:'.I I errors 1n 1vfltme. Ycu may • Disputed lnformatiori: ld~r1l I~- l he ac::o.Jr1l ir1fL>--nal iur1 :jis1ul ed ~rid
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~ml p u ·nny h;,ve ln p~y Llie ;ir11:)ur1! ir1queslio;1_Vhile we invesli~dl P. • Supµurti11~ Du(;u1111mh1tio11; II c1•1c1 lc1::;,le. µw•,i1:l1:1 ct :.::u:J~· Lit th1:1 :;edio11ti!
wlntt1er :::,r not t h1He has tu~en an e-u r, ttH t:::illowmc are tr Je; l h<~ cr~d I re porl show "l!,": l hf~ ~t:C:Hml infmm~l i:HI y:)U iH~ :lisp.Jl ing.
• 'We o mriol I·~· lo co ll eel I ·1e n·rn>1n 1 i ·1 :11Jesl im1, :ir r~pw l you ~~;
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dt'linqui::!rll U II I 'tel i::l' !lUU"II .
wil tii ·1 30 :l<1ys ol rec:;-ipl ol l tiP.- ·1fom1;-il on riP.-eded f:)r :)ur irtvesl ig,1l i1n . II
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we 11adc a rmsta{::: , you will not have to pay tl1::: am:::,unt 111 qu:::stro1 :::,1 <1[!!;:;lll)' !tl 'A'lit: ll WP, ·e~•u1 t;:;1
:l t he i11to11 m1ti:Jr1.
any int:::rc-st or other tees -cl a\c:j to that aTIO(mt .
• Vhile you d:J nol h;,vt) Ir) p,1y l h~ ;im:>unl in qu~slion, ~-:,u ;,r~ r:;-sponsi:>1-H PAYMENTS MA~KED "PAID IN FULL" /\II wr i11 :m c:)m1111mi::,1lions
-,~~1.?trd ing. d isp1J1c :l nrnrnmls 1·1;:il ind .Jd:~ 1tny ::h~c: k or other :),1~,rn~nl
fur 1·1t' re·n::ii·1di::!r :,r )•o.J1 U::i ;,incl!
ir1st1u111;:;r1t ;11c11 kei:I w t h "µod ta1th to corr:::ct th::: r-oblern uu· 1 i1:::l lts.
wiltl thi::! 1r11::ni.:1,nt . ~•:Ju ·r1ct)' hc1ve tlli::! rit-; hl rut b µay the re111I the tollow111g must ::>e tru:::: w· itte·1 ctl,)~►I U'Jc< I
1. 111::: r,urchasc must have b:::c1 mad::: 111 yoJr home state or w1tt111 l:JU CU:STOM ER SERVICE. V1s1t comer1ity,net/l cldjewelry O' cal I
111 le::; of your cu·rtml ·11aili·1g dddr~ss. ind !he µur::hdse ur i::e must hi:lve l ~,,, 100 l ob< :ww,1IY l ~~~ ~ ! ~ 1,1~, .
bi:!i;n more th;i11 $ ti0. (Nut~: Nl:l'ithe1 of these is 11eceS!:-i:1'\' ii )'IJ.JI µu·chc1:;e TELEPHONE MON ITOR ING. To µ1:.;:,•1ide yuu with liig_h qual IV ::;e1•: ice
w~::; Ja::;~tl on ~-1 ;:rdverl i::;e111i::!r1l we 111<1i led Lo t't:iJ. or ii we owi1 1'1e :.;u1r1:,~r1y :>h:Jr1e :.::u·1n1ur1ic<1Lion ·,villi .JS is moniloretl andf;,r rHi.:ordeJ.
tt19t sold y::iu t 1c _go:::,d:, ::ir :,c-v c:::s.)
ADDITIONAL INFORMATION . 11! LUUl f>! LL>; WV IN I LU. l'Y 111e:ir1:; WAIVL l N I _RLSI , L'.)JAL 1-'AYMLN I ; WV
] . Yu.J 111u::;t ·1ul yet hc1>'e tully µ,1id tLi- tll ;,; ~1.JIL'. hc1se. INT I ow P\o!T rtl P.'.'1/lS. WAIVF INTFRFST. I 'JW r AYMFNT: DF INT ry rm.
11~c111::; UL L -< IN I _RL::i I. 1-'AYML \J I K _l)UIK _D; IJLI IN I ~U -'Y ·11•~c111s
t ::ill :Jt the c1i te1ia c1bll.'e i::ll e me\ a·1d \1:.;:,u i:lri::! st i I d i:;::; l 4J218-2:i2J. Wt1i le we i11'1e:;li1-:c1te. tt1e :;c1111e •.Jli::!::i ct:JJJI~• lo PAYMFNT. If you have i:l u-;ir nhle r;ilfi .1c::01n l , p w :)eriodi:: r1tl es ·nn)• Vf.l)'-
tt1::: d lSJUt:::d arm unt as d l5CUS5ed ab:::i'/e . [\lier WC t1111sh OJr 1'/C5!1gat1on, Yu.1111c1y µ:iy al ut yuu1 Ai.:o:.:u.11 1t :::,al:1·1L·.e .:1t :111y t i111;;: wilhuul µ:c:11:ilty.
we will tell )'l>J ow deci::;fo11. At l hc1t JJL>i11t, I WB th in{ you uwe c1r1 c1111ow1t
and y::;,u do n:::,t ray we m::iy re::.0-1you as del 111qJc1t . Serid all i riqui ries to: CUSTOMER SERVICE, PO Box 183003, Columbus, OH
43218-3003
HOW TO AVOID PAYING INTEREST. Your dut! <.M t! is i:11 ll each :iillim,; c.:\•:.: le. Wt' wi I nulcharge you inleri::!sl 0·1 pu-chc1ses Send cill b,mkruptcy notices arid reh1ted currespm1de111;e t o Cu111enity
I you pay your entire b:1l:1n::e by the due ::late :::ach mo 1th. We will :::,cg11 t:::, Capital Bank, Barikruptcy Departmerit, PD Box 183043, Col umbus:. OH
:.::lii:1-~e ir1lere:;l ur1 ·1ew µurd1<1~es 1r1<1:Je u·1dr i1.e us ~ii.her lo .Jse ir1b rrnal iu·1 fr:.;,111 )•O.JI
e;:ich lyptl or b;:il,:1r1::r' (n yo1J' ,:1c:c:>uril .Jsi11g :.i ");:ii ly R;i l-iinc~" l o de1erinir1~ chr.ck t:::, m:ikc a c•1e-! 1me elcct rornc IL111:.:l transt : r t r:;)rn yoJr 9CCounl c,- tc1
11t1~1est L:1i:1'[!::!S h r e<1dl ::;,ill lit; J):C:r bd . We t it;.ure t h!:! i11t :;1e~t ch<11ee L!'I :)ruc~ss I ·1e p~•, 111enl as a che::k l r;:i·1sn::l i:Jr1. '.'v'h~r1we .Jse ir1forrnal io·1 fr:Jm
you- ~ccmml :>y ;-npl)•in~ 1·1e 1~rio:lic rnl(~ lo 1he "d;:ii!~ b;i ;-rnc~" DI you- your chc::k to 111:1kc an el~ct ro111c tun::l transt : r. tJn::ls may be w1tlldr:1•;m
:n:c:.;:,u11t tu1 ec1~:h dd}' i11 the oil I · •t; q :.::I:; . b eel th:c: "d:ii 'I Jdl;_:i·1L:t:!'' w :; !-um your dC:.:o !J"ll .;i:; som1 as I.he s~me :J;iy we Jt:>ce iv~yoU' µ;iy·neril , ;ir1d
l~-1.(·1 l he b~~ir1r1ir1g t1<1ldnc:;o :)f your ~cc:>unl ed::h dr1y. ;idd dr1y ru-: w you will not re::::c1vc y::;,m ct1e::k b:tck 1-om y:::,u r t 111an::::1al 111st 1tut1on.
pu·ch<1ses c111d teP.~. 01111j ~ut1! 1c1~:t ::1r1y p:1y·111~11b u1 c:1 ::d ts \t;e::1til 1u <111y 11et
::red i l l),1l;:inu 1 ;is~ 1e-o '.)i:1l~·1ce). This g ivfls us l he rfai y :,;il~·1c:tl.
PAYMENTS. ");:i~• p ur Ac::01n ! by l he p~yrnenl dw~d.11:;o bJ• l he l irr1P.- I isled h~ l()W. If we :lo nol ·ec~iv~) your :)~yrm:nl ir1n c:rnr~cl formal (oul l ine:l b~b-,o1) il
111 tu
tll i::! pct}'r11e·1t 111etl1od y:.;,u s:::li::!l'.t.
Correct Formttt. Currer.;l l ur1nal lur d ilterent µ,:1y-r1enl r11et·1uds incl.Jdi::!:
M~ilfug IN Ort:might: Se;1d <1 p1~1~l•·1c1I t.:he~:k, 1r1011:;y Ln11:;:·, t1 :t'JP.le1·~ t:hP.~k :.:,r :.:;_:i::;hie1·s L:h•~ck p<1y~til;: i ·1 U .5 . i:llil 1<11s, \(.) t hP. r1u not ::;er1 j cc1sh or t-:ilt i.:e1tili:.;:ate:;. Pay By Pl,or1e: Ytu :.:: :1·1call u:; tvl flee c1t 1-8 ~~-408-1632 ll L>J:' I I Y
1 888 8 l 'J 1918) tu lfldke a µc:1y111er1l :)y l ele:.ih:Jlli::!. whi:.::h 111c1y i·1clt1:Je a lee . O,rfi11e: Y:Ju crit dut' $755.00
Prt!viuu:s balar1c11:1 $2,845.31 Payme11t due date 03/19/2022
Paymt>r11s 0.00
Other c-edils 0.00 Late paymenl warnlng:
lfwe do not receive your minimum payment by 03/19/2022 you may
Purchases 0.00
Other debits 0.00 have to pay up to a $40.00 late fee
Fees charged 40.00 Minimum payment warning: If you make only tt1e minimum
Iritttrt>st chargt:!d 2 .06 payment fo• each period, you will pay mo·e in interest a nd it w ill take
New balance $2,887.37 you longe· to pay off your balances . For example:
Past due amount 663,00 If you malJs. 0 1-1 4~218 2620. NOTICE OF CR EDIT REPORT DISPUTES It )':)U :::,el1eve I le acc:xmt
111tormat1on we reported t::;, :1 consJme- re:::io1 111g agency 1s 111:1ccu--at:::, ~·ou
r1p ur lel ler, g ive us l h~ r:)llowir1g nlrn1m1l ion:
11<1\' suU·11it<1 d ired d sµute \0 Com:;11i l\· Gut::: must ;;rnvIdc suttIcIc1t
• V u /fifr ifm:.Jun(: I 11~ dulli::11 i::lflltJ.mt ul !he susµ~:;ted ~rrur. irilo1111c1ti:Jr1 Lo idi::!ritit,• Lile ac:.:uu·1t ,:1rtJ sµec il\· wtw nie in1orru:tl i:m is
• Vt1!>c rf,/tiuu 1.1f Pr'..!bfttm: II yuu thi11{ 111:n~ b :tr1!:!11u· ur1)'LI.II tii ll . 111accu--at::: ;
des::r ibe whnl yrn1 :ielieve is wnng ;,im l w·1y y()u :n:>lieve ii is ;,i III sl,1ke. • Account lnt ormation: Your 1a11e and account numoer
• Contact lrifo rmat iori: Y1ur -ii:l:hiss nnd l:dcphrnu1 ·1umbe1
You ·11ust cu1 1!;:i:.:t us wilh il 1bO d;;,ys i:ltt::1 tl1!:! ~11:.,r ::IIJµ,'-!i:n:d L''t yu..11
stat :;!m~nt . Ycu must 1ot1ty us ::it ::1ny potc1t 1:'.I I errors 1n 1vfltme. Ycu may • Disputed lnformatiori: ld~r1l I~- l he ac::o.Jr1l ir1fL>--nal iur1 :jis1ul ed ~rid
:.:t1II .1~, t1.Jt t yuu d:., W":! ::1r1c: 11:.:at 1:::1..1 u1 ·1~d tu 11wl:l::illt:t1tl:l o111y ~•ut:::11t t1I ~-·u1 s :::xplam ,,1,y you b:::l1cve t 15 11ac::ur:tte
~ml p u ·nny h;,ve ln p~y Llie ;ir11:)ur1! ir1queslio;1_Vhile we invesli~dl P. • Supµurti11~ Du(;u1111mh1tio11; II c1•1c1 lc1::;,le. µw•,i1:l1:1 ct :.::u:J~· Lit th1:1 :;edio11ti!
wlntt1er :::,r not t h1He has tu~en an e-u r, ttH t:::illowmc are tr Je; l h<~ cr~d I re porl show "l!,": l hf~ ~t:C:Hml infmm~l i:HI y:)U iH~ :lisp.Jl ing.
• 'We o mriol I·~· lo co ll eel I ·1e n·rn>1n 1 i ·1 :11Jesl im1, :ir r~pw l you ~~;
W1:1 will ir1•1P.st it:c:1b:: 111:1 dispu!P.d i11tu1111c1tiu11 ;_:i11i:l 1;;;µ:J1t tlll:l ;,~:;Jib b }'LIJ
dt'linqui::!rll U II I 'tel i::l' !lUU"II .
wil tii ·1 30 :l<1ys ol rec:;-ipl ol l tiP.- ·1fom1;-il on riP.-eded f:)r :)ur irtvesl ig,1l i1n . II
• Ill"° :.::t1c11~;f:! ir1qu":!:;tiu11 111::ty rtn 1c1h 011 y:.;,w stc1b~111f:!11!, c:111::l wi:i 111c1~•
w•~ ti11d tl1::1t tilt:! c1:.::L:uu11t i11tL11111<:1tio11 'A'IJ 113~1u1t ::d i:; i11<1cc:uro1t•~, wi:: will
c:011t ·1ui:'= t:., :.::h:trt:;t~ p u i11t":!r•~st u11 t1c1t cn 1uu·1t. I.Lit , it 1·r:::di:it":!1111i1 11~ t1o1t )rt)'!n l ly p'ovi:le l he r1P.-cP.ss;,ry i:orrP.-t: l itn I:! P.;Kh ::(ns1rner -eporli ·ig
we 11adc a rmsta{::: , you will not have to pay tl1::: am:::,unt 111 qu:::stro1 :::,1 <1[!!;:;lll)' !tl 'A'lit: ll WP, ·e~•u1 t;:;1
:l t he i11to11 m1ti:Jr1.
any int:::rc-st or other tees -cl a\c:j to that aTIO(mt .
• Vhile you d:J nol h;,vt) Ir) p,1y l h~ ;im:>unl in qu~slion, ~-:,u ;,r~ r:;-sponsi:>1-H PAYMENTS MA~KED "PAID IN FULL" /\II wr i11 :m c:)m1111mi::,1lions
-,~~1.?trd ing. d isp1J1c :l nrnrnmls 1·1;:il ind .Jd:~ 1tny ::h~c: k or other :),1~,rn~nl
fur 1·1t' re·n::ii·1di::!r :,r )•o.J1 U::i ;,incl!
ir1st1u111;:;r1t ;11c11 kei:I w t h "µod ta1th to corr:::ct th::: r-oblern uu· 1 i1:::l lts.
wiltl thi::! 1r11::ni.:1,nt . ~•:Ju ·r1ct)' hc1ve tlli::! rit-; hl rut b µay the re111I the tollow111g must ::>e tru:::: w· itte·1 ctl,)~►I U'Jc< I
1. 111::: r,urchasc must have b:::c1 mad::: 111 yoJr home state or w1tt111 l:JU CU:STOM ER SERVICE. V1s1t comer1ity,net/l cldjewelry O' cal I
111 le::; of your cu·rtml ·11aili·1g dddr~ss. ind !he µur::hdse ur i::e must hi:lve l ~,,, 100 l ob< :ww,1IY l ~~~ ~ ! ~ 1,1~, .
bi:!i;n more th;i11 $ ti0. (Nut~: Nl:l'ithe1 of these is 11eceS!:-i:1'\' ii )'IJ.JI µu·chc1:;e TELEPHONE MON ITOR ING. To µ1:.;:,•1ide yuu with liig_h qual IV ::;e1•: ice
w~::; Ja::;~tl on ~-1 ;:rdverl i::;e111i::!r1l we 111<1i led Lo t't:iJ. or ii we owi1 1'1e :.;u1r1:,~r1y :>h:Jr1e :.::u·1n1ur1ic<1Lion ·,villi .JS is moniloretl andf;,r rHi.:ordeJ.
tt19t sold y::iu t 1c _go:::,d:, ::ir :,c-v c:::s.)
ADDITIONAL INFORMATION . 11! LUUl f>! LL>; WV IN I LU. l'Y 111e:ir1:; WAIVL l N I _RLSI , L'.)JAL 1-'AYMLN I ; WV
] . Yu.J 111u::;t ·1ul yet hc1>'e tully µ,1id tLi- tll ;,; ~1.JIL'. hc1se. INT I ow P\o!T rtl P.'.'1/lS. WAIVF INTFRFST. I 'JW r AYMFNT: DF INT ry rm.
11~c111::; UL L -< IN I _RL::i I. 1-'AYML \J I K _l)UIK _D; IJLI IN I ~U -'Y ·11•~c111s
t ::ill :Jt the c1i te1ia c1bll.'e i::ll e me\ a·1d \1:.;:,u i:lri::! st i I d i:;::; l 4J218-2:i2J. Wt1i le we i11'1e:;li1-:c1te. tt1e :;c1111e •.Jli::!::i ct:JJJI~• lo PAYMFNT. If you have i:l u-;ir nhle r;ilfi .1c::01n l , p w :)eriodi:: r1tl es ·nn)• Vf.l)'-
tt1::: d lSJUt:::d arm unt as d l5CUS5ed ab:::i'/e . [\lier WC t1111sh OJr 1'/C5!1gat1on, Yu.1111c1y µ:iy al ut yuu1 Ai.:o:.:u.11 1t :::,al:1·1L·.e .:1t :111y t i111;;: wilhuul µ:c:11:ilty.
we will tell )'l>J ow deci::;fo11. At l hc1t JJL>i11t, I WB th in{ you uwe c1r1 c1111ow1t
and y::;,u do n:::,t ray we m::iy re::.0-1you as del 111qJc1t . Serid all i riqui ries to: CUSTOMER SERVICE, PO Box 183003, Columbus, OH
43218-3003
HOW TO AVOID PAYING INTEREST. Your dut! <.M t! is i:11 ll each :iillim,; c.:\•:.: le. Wt' wi I nulcharge you inleri::!sl 0·1 pu-chc1ses Send cill b,mkruptcy notices arid reh1ted currespm1de111;e t o Cu111enity
I you pay your entire b:1l:1n::e by the due ::late :::ach mo 1th. We will :::,cg11 t:::, Capital Bank, Barikruptcy Departmerit, PD Box 183043, Col umbus:. OH
:.::lii:1-~e ir1lere:;l ur1 ·1ew µurd1<1~es 1r1<1:Je u·1dr i1.e us ~ii.her lo .Jse ir1b rrnal iu·1 fr:.;,111 )•O.JI
e;:ich lyptl or b;:il,:1r1::r' (n yo1J' ,:1c:c:>uril .Jsi11g :.i ");:ii ly R;i l-iinc~" l o de1erinir1~ chr.ck t:::, m:ikc a c•1e-! 1me elcct rornc IL111:.:l transt : r t r:;)rn yoJr 9CCounl c,- tc1
11t1~1est L:1i:1'[!::!S h r e<1dl ::;,ill lit; J):C:r bd . We t it;.ure t h!:! i11t :;1e~t ch<11ee L!'I :)ruc~ss I ·1e p~•, 111enl as a che::k l r;:i·1sn::l i:Jr1. '.'v'h~r1we .Jse ir1forrnal io·1 fr:Jm
you- ~ccmml :>y ;-npl)•in~ 1·1e 1~rio:lic rnl(~ lo 1he "d;:ii!~ b;i ;-rnc~" DI you- your chc::k to 111:1kc an el~ct ro111c tun::l transt : r. tJn::ls may be w1tlldr:1•;m
:n:c:.;:,u11t tu1 ec1~:h dd}' i11 the oil I · •t; q :.::I:; . b eel th:c: "d:ii 'I Jdl;_:i·1L:t:!'' w :; !-um your dC:.:o !J"ll .;i:; som1 as I.he s~me :J;iy we Jt:>ce iv~yoU' µ;iy·neril , ;ir1d
l~-1.(·1 l he b~~ir1r1ir1g t1<1ldnc:;o :)f your ~cc:>unl ed::h dr1y. ;idd dr1y ru-: w you will not re::::c1vc y::;,m ct1e::k b:tck 1-om y:::,u r t 111an::::1al 111st 1tut1on.
pu·ch<1ses c111d teP.~. 01111j ~ut1! 1c1~:t ::1r1y p:1y·111~11b u1 c:1 ::d ts \t;e::1til 1u <111y 11et
::red i l l),1l;:inu 1 ;is~ 1e-o '.)i:1l~·1ce). This g ivfls us l he rfai y :,;il~·1c:tl.
PAYMENTS. ");:i~• p ur Ac::01n ! by l he p~yrnenl dw~d.11:;o bJ• l he l irr1P.- I isled h~ l()W. If we :lo nol ·ec~iv~) your :)~yrm:nl ir1n c:rnr~cl formal (oul l ine:l b~b-,o1) il
111 tu
tll i::! pct}'r11e·1t 111etl1od y:.;,u s:::li::!l'.t.
Correct Formttt. Currer.;l l ur1nal lur d ilterent µ,:1y-r1enl r11et·1uds incl.Jdi::!:
M~ilfug IN Ort:might: Se;1d <1 p1~1~l•·1c1I t.:he~:k, 1r1011:;y Ln11:;:·, t1 :t'JP.le1·~ t:hP.~k :.:,r :.:;_:i::;hie1·s L:h•~ck p<1y~til;: i ·1 U .5 . i:llil 1<11s, \(.) t hP. r1u not ::;er1 j cc1sh or t-:ilt i.:e1tili:.;:ate:;. Pay By Pl,or1e: Ytu :.:: :1·1call u:; tvl flee c1t 1-8 ~~-408-1632 ll L>J:' I I Y
1 888 8 l 'J 1918) tu lfldke a µc:1y111er1l :)y l ele:.ih:Jlli::!. whi:.::h 111c1y i·1clt1:Je a lee . O,rfi11e: Y:Ju c
Preview
ROBERT K. HANNA, State Bar No.: 341970 JUNQIAO XIAO, State Bar No.: 341670 1 HYO JIN JULIA JUNG, State Bar No.: 316090 2 MICHAEL D. KAHN, State Bar No.: 236898 Midland Credit Management, Inc. 3 350 CAMINO DE LA REINA, SUITE 100 SAN DIEGO, CA 92108 4 Telephone: (866) 300-8750 Facsimile: (858) 309-1588 5 CA Debt Collector License Number Pending 6 Attorneys for Plaintiff SUPERIOR COURT OF CALIFORNIA 7 COUNTY OF ALAMEDA 8 HAYWARD HALL OF JUSTICE - CIVIL DIVISION 9 MIDLAND CREDIT MANAGEMENT, INC. Case No. 10 Plaintiff, COMPLAINT FOR: 11 vs. (1) Account Stated 12 ASEM SAIBAN; PRAYER AMT: $2,887.37 and DOES 1 through 10, inclusive LIMITED 13 Defendant. 14 MIDLAND CREDIT MANAGEMENT, INC., ("Plaintiff"), by counsel, sues ASEM SAIBAN, (“Defendant”) 15 under Account Stated and in support thereof states: 1. Plaintiff is authorized to do business in CALIFORNIA, with its principal place of business at 350 16 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff owns portfolios of 17 consumer receivables, which it attempts to collect. Plaintiff strives to treat its consumers, such as 18 Defendant, with respect, compassion and integrity, hoping to provide mutually-beneficial 19 opportunities for consumers to repay their debts and attain financial recovery. 2. Defendant is a resident of ALAMEDA County, State of California and is subject to this Court’s 20 jurisdiction. 21 3. Plaintiff is unaware of the true names and capacities of Defendants sued by the fictitious names 22 DOES 1 through 10. Plaintiff will ask leave of court to amend this complaint as and when the 23 true names and capacities of Defendants named herein as DOES 1 through 10 have been ascertained. 24 Pursuant to California Civil Code (“CA CIVIL”) §1788.58(a)(1)-(9), Plaintiff alleges: 25 4. Plaintiff is a debt buyer as defined by CA CIVIL §1788.50(a). 26 27 28 -1- COMPLAINT CA_0132G File No.: 23-86404 SCP 1 5. Defendant established a credit account (the “Account”) with COMENITY CAPITAL 2 BANK. The amount due is the result of transactions that occurred on the Account. Defendant was provided statements evidencing Defendant’s use of the Account and the 3 balance due. Defendant failed to make the required payments and subsequently 4 defaulted on the Account on June 19, 2021. Thereafter, Plaintiff was assigned all rights, 5 title, and interest in the Account. 6 6. Plaintiff is the sole owner of the debt. Attached as Exhibit A is a true and correct copy of 7 the Bill of Sale from COMENITY CAPITAL BANK, to Plaintiff. The Account was 8 purchased by Plaintiff on March 30, 2022. 9 7. The Account balance at the time of charge-off was $2,887.37. Plaintiff alleges that the date of default is June 19, 2021 and the date of the last payment was December 31, 2021. 10 8. The name of the charge-off creditor at the time of charge-off is COMENITY CAPITAL 11 BANK. The address utilized by COMENITY CAPITAL BANK at the time of charge-off 12 was 2795 E. COTTONWOOD PARKWAY SUITE 100 SALT LAKE CITY,UT 84121. 13 At the time of charge off, the account number associated with the debt was 14 XXXXXXXXXX-XX-0072. 15 9. The name of the debtor as it appeared in the records of COMENITY CAPITAL BANK is 16 ASEM SAIBAN and the last known address as it appeared in the records of COMENITY 17 CAPITAL BANK is 16522 RUSSELL CT SAN LEANDRO CA 94578. 10. The name and address of all post charge-off purchasers of the debt are as follows: 18 Name Address 19 MIDLAND CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN INC. DIEGO CA 92108 20 21 11. Plaintiff has complied with the provisions of CA CIVIL §1788.52. Plaintiff informed 22 Defendant of the assignment of the Account. 23 12 Pursuant to CA CIVIL §1788.58(b), attached as Exhibit B is a true and correct copy of a 24 monthly statement recording a purchase transaction, payment, or balance transfer while the Account was active as required by CA CIVIL §1788.52(b). 25 13. Attached as Exhibit C is a true and correct copy of a billing statement that was mailed to 26 Defendant stating the balance due on the Account at or around the time of charge-off. 27 28 -2- COMPLAINT CA_0132G File No.: 23-86404 SCP 1 14. Plaintiff acquired all right, title, and interest to the Account. To the extent that Plaintiff 2 acts in its capacity as successor-in-interest to the original creditor or its assigns, references herein to Plaintiff may include Plaintiff’s predecessor-in-interest. 3 15. Plaintiff has attempted to contact Defendant through several means in an effort to resolve 4 the Account, but has been unsuccessful. Defendant has not repaid this debt. Plaintiff 5 works with consumers like Defendant to find mutually acceptable solutions, often 6 offering discounts, hardship plans, and a variety of payment options. The majority of 7 Plaintiff's consumers ignore calls or letters, and some simply refuse to repay their 8 obligations. When this happens, Plaintiff must decide whether to pursue collection 9 through legal channels, including litigation such as the present action against Defendant. Nonetheless, Plaintiff remains interested in discovering a mutually beneficial solution 10 through voluntary payments, if possible, in this case. 11 16. Before commencement of this action, Plaintiff informed Defendant in writing, that it 12 intended to file this action and that this action could result in a judgment against 13 Defendant that would include court costs allowed by California Code of Civil Procedure 14 § 1033(b)(2). 15 FIRST CAUSE OF ACTION 16 ACCOUNT STATED 17. Plaintiff realleges and incorporates by reference the foregoing paragraphs. 17 18. An account was stated in writing between Defendant and COMENITY CAPITAL 18 BANK. Defendant opened and derived benefit from the Account. By using the Account, 19 Defendant expressly or impliedly promised to repay COMENITY CAPITAL BANK. 20 Within the last four years, Defendant became indebted on the Account. 21 19. On the Account, a balance of $2,887.37 was stated to be due to COMENITY CAPITAL 22 BANK from Defendant. Plaintiff has no record of Defendant objecting to the balance 23 due. 20. Before the commencement of this action, Plaintiff was assigned the Account and 24 indebtedness. Plaintiff is now the sole owner of the Account. 25 21. Plaintiff has made a demand on Defendant for repayment of the Account, but Defendant 26 has failed to pay the balance due. 27 22. The current balance presently due and owing is $2,887.37 which includes payments, set- 28 offs, credits or allowances, if any, at or after charge-off. -3- COMPLAINT CA_0132G File No.: 23-86404 SCP 1 2 WHEREFORE, Plaintiff requests judgment against Defendant for $2,887.37, costs of this action and post judgment interest at the statutory rate. Plaintiff waives any claim for pre- judgment interest and 3 attorney's fees. 4 5 6 7 Dated: June 21, 2023 MIDLAND CREDIT MANAGEMENT, INC. 8 9 10 ----e_. ~ lia Jung, Esq By: ROBERT K. HANNA / JUNQIAO XIAO 11 MICHAEL D. KAHN / HYO JIN JULIA JUNG 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 -4- COMPLAINT CA_0132G File No.: 23-86404 SCP EXHIBIT A BJLL OF SALE Comenity Capital Bank ("Seller"), for val.ue received and pursuant to the terms and conditions of that certain Credit Card Account Purchase Agreement dated October 25, 2019 between Seller and Midland Credit Management, Inc. ("Purchaser"), its successors and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of the Closing Date of March 30, 2022 all rights, title and interest of Seller in and to those certain Accounts described in the Credit Card Account Purchase Agreement and Schedu le I (the "Asset Schedule") attached hereto and made part hereof for all purposes, to Purchaser. The information contained in the Sale File (collectively, "Seller's Accounts Information") is true and complete as of the File Creation Date. Further, all of the information contained in Seller's Accounts Information (a) constitutes Seller's own business records regarding the Accounts and (b) accurately reflects in all material respects the information about the Accounts in Seller's possession. All of Seller's Accounts Information has been kept in the regular course of Seller's business, and was made or compiled at or near the time of the event and recorded by (or from information transmitted by) a person (i) with knowledge of the data entered into and maintained in Seller's business records, or (ii) who caused the data to be entered into and maintained in Seller's business records. All capitalized tenns used, but not defined, in this Bill of Sale shall have the meanings assigned to such term in the Credit Card Account Purchase Agreement. · This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. COMENlTY CAPITAL BANK Midland Credit Mnnagement, Inc. By: ;,0~k, ,wNµwt:-- Date:'½rt:n- By ~ ~ Date: 5/5/2022 Title: Chief Credit Officer Title VP of Business Development SCHEDULE 1 TO BILL OF SALE ASSET SCHEDULE The individual Accounts transferred pursuant to the Credit Card Accourit Purchase Agreement and Bi11 of Sale are described in the electronic file named MCMG_HF_MARCH,...2022_DPL_CCB.TXT;MCMG_HF_MARCH_2022_LCS_CCB.TXT delivered by Comenity Capital Bank to Midland Credit Management, Inc. on March 28, 2022 and summarized in the table immediately.below (the "Sale File"). # of Charged-off Aggregate Unpaid Balance Percent File Creation Date Accounts 03/28/2022 EXHIBITB CLOSING STATEMENT AGREEMENT DATE: October 25 20 I 9 SELLER: COMENITY CAPITAL BANK PURCHASER: Midland Credit Management; lnc. MCMG_HF_MARCH_2022_DPL_CCB.TXT; FILE NUMBER: MCMG_HF_MARCH_ 2022_LCS_CCB.TXT NUMBER OF ACCOUNTS: TOTAL UNPAID BALANCE: PURCHASE PRICE PERCENTAGE: PURCHASE PRICE: FfLE CREATION DATE: March 28, 2022 CLOSING DATE: March 30, 2022 WIRING lNSTRUCTJONS PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORIGINAL CREDITOR STATE OF: UTAH COUNTY OF: SALT LAKE On ( f{l(!l:U- • Bruce Bowman ("Affiant") being duly sworn, deposes and says: I. I am over '18 and I am the Chief Credit Officer of Comenity Capital Bank ("Seller"). In that capacity and as part of my regular job duties, I have custody of certain business records of Seller, mutinely review such business records, and am familiar with Seller's processes for the sale and assignment of accounts and business records, including those that are maintained in electronic form. 2. Seller owns certain accounts, and maintains and records information in the records as they relate to such accounts. l am authorized to make the statements and representations set forth in this affidavit on behalf of Seller. The statements set forth herein are true and correct to the best of my knowledge, information, and belief, based on either personal knowledge or review of the business records of the Seller. If called upon as a witness, I can testify competently to the facts contained herein. 3. My regular job duties include having knowledge of, and access to, business records relating to the Accounts (as defined below). These records are kept by Seller in the regular course of business, and it was in the regular course of business of Seller, for an employee or representative with personal knowledge of the act, event, condition, or opinion recorded to make memorandum or records or to transmit information thereof to be included in such memorandum or records; and that the records were made at or near the time of the act and/or event recorded or reasonably soon thereafter. 4. On or about 03/30/2022, Seller sold a pool of charged-off accounts (the "Accounts") by a Credit Card Account Purchase Agreement to Midland Credit Management, Inc. ("Buyer"). The original creditor at the time of charge-off was Comenity Capital Bank. 5. Pursuant to the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over and delivered to Buyer and its successors and assigns; good and marketable title to the Accounts and any unpaid balance free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest. J am not aware of any errors in the Accounts. 6. In connection with the sale of the Accounts, electronic and other records were transferred to or otherwise made available to the Buyer (the "Transferred Records"). The Transferred Records have been kept in the regular course of Seller's business, and were made or compiled at or near the time of the event and recorded by (or from information transmitted by) a person (i)with knowledge of the data entered into and maintained in Seller's business records, or (ii) who caused the data to be entered into and maintained in Seller's business records. To the extent that the Transferred Records include records that were prepared by a third party, they are records that were incorporated into the records of Seller as a business record and the accuracy of such records are relied upon by Seller in the regular course of business. 7. I certify under penalty of perjury that the foregoing is true and correct. FURTHER AFFIANT SA YETH NOT. Signed this _ /_6_1t...__day of April, 2022 ~~ ~- , - Bruce Bowman (/\FFIANTNAME) - Comenity Capital Bank Subscribed and sworn to before me this .J..i!!:' day of April, 2022, by 1;)cu<.-& '?x>lb)b'Vvo , an employee ofComenity Capital Bank JENNIFER PARDUE Notary Public - State ol Ut al- Comm. No. 71884"' My Commission !xp!res or Jun 17, 2025 CERTIFICATE OF CONFORMITY STATE OF UTAH COUNTY OF SALT LAKE The undersigned does hereby certify that he is an attorney at law duly admitted to practice in the State of Utah and is a resident of Salt Lake County, Utah; that he is a person duly qualified to make this certificate of conformity; that the foregoing acknowledgment by Bruce Bowman named in the foregoing instrument taken before Jennifer Pardue a notary in the State of Utah duly conforms wn:h the Jaws of the State of Utah, being the State in which it was taken; and when executed by Mr. Bowman in the manner indicated will qualify as a valid and effective sworn statement in such state. Date A~omey at ii/iw for the State of Utah Field Account Number 072 Seller Account ID 1097547314 First Name ASEM Last Name SAIBAN SSN Date of Birth Address 1 City State -XXX-XX-5168 16522 RUSSELL CT SAN LEANDRO CA Zip 94578 Home Phone 5109622127 Open Date 11/09/2020 Last Purchase Date 11/09/2020 Last Purchase Amount $3,100.00 Last Payment Date 12/31/2021 Last Payment Amount $168.00 Sale Amount $2,887.37 Charge Off Date 02/28/2022 Charge off Balance $2,887.37 Post Charge Off Interest $0.00 Post Charge off Fee $0.00 Post Charge off Payments $0.00 Post Charge off Payments and Credits $0.00 Post Charge off Credits $0.00 Affinity IDDEAL Account information provided by Comenity Capital Bank pursuant to the Bill of Sale/Assignment of Accounts transferred on or about 03/30/2022 in connection with the sale of accounts from Comenity Capital Bank to Midland Credit Management, Inc. MCMG_HF_MARCH_2022_DPL_CCB.TXT; MCMG_HF_MARCH_2022_LCS_CCB.TXT Visit Comenity EasyPay at comenity.net/easypay to schedule a payment for the minimum due and bring your account current. PAGE I OF 4 Summary of account actIv1ty Payment 1nformat1on Account r10 . Nt'w balance $2,845.31 Minimum paymt>rit dut' $663.00 Prt!viuu:s balar1c11:1 $2,971 .17 Payme11t due date 02/19/2022 Flaymt>r11s -168 .00 Other c-edils 0.00 Late paymenl warnlng: lfwe do not receive your minimum payment by 02/ 19/2022 you may Purchases 0.00 Other debits 0.00 have 10 pay up to a $40.00 late fee Fees charged 40.00 Minimum payment warning: If you make only the minimum Iritttrt>st chargt:!d 2 .14 payment fo• each period, you will pay mo·e in interest and it will take New balance $2,845.31 you longe· to pay off your balances . For example: Past due amount 571.00 If you malm~ $3400 Fur ir1fu-matkJ11 r~ga-ding C'f:dit cuu11sf:li11g s~rvicf:s, call 1-800-284-1706. If you do not pay yo Jr " Ian 836-00001 ba lance of $2.751-00 br Nov 12. 2J23 any remain ,ng oa lan oe wi ll be assessed inte-est at the ,ta1dard purchase APR. 1f y:,u ret urnej an iteTl t hat was on a :x om:,t onal plan and have questions w t h how tha -at.Jrn was appl ed to you- accou nt . please call us. Skip sign ing i1 to pay anj ,Jse Comenity';; Ea:syPay. It's ;;afe and conven ie1t. Useyotir smart pho1e camw::1 or code reader to scnn the QR :::ode x inted 01 your payme1t stub Jelow to get started . De1a1ls of your 1ransact1ons TRANS DATE TRANSACTION DESCRIPTION/LOCAT ION AMOUNT 12131/2021 PAYMENT - THANK YOU -168,00 Fee:. 01/1912022 LATE FEE 40,00 Total fees charged for this period $40,00 lntere:.t charged Interest charge on purchases $2,14 Total interest for this period $2,14 2022 totals year to date Total fees charged in 2022 $40.00 Total inte rest charged in 2022 $214 Interest charge calculation Your Aanual Pe-centage Rate (APR) is the annual interest -ate o, your account See BALANCE COMPUTATIDN METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your c redit card agreement TYPE OF BAL4NCE SUBJECT INTEREST BAL4NCE APA TO INTEREST RATE CHARClE Purchases 29.9900% 83,71 2 ,14 Piao 836-00001 WV INT EQ PAY 0.0000% 0.00 0.00 ________________________________ \J0Tl::::E: See -averse side for impo'ta1t info•mation_________________ _ _____________________ _ Please tear al perforati on above Accou1t mmber \Jew balance- Minimum payment $2 845,31 I $663,00 99 4 ~;~~1ls'½~i;ts must reach us by 6pm ET □ Yes, .1 h(1Vt: move-d vr upclctte-c! my Amount e-mail address - see reverse. enclo3.ed: $ Please make check payable to COM EN ITY - Id deal Card ,11 .. 11,1,,,,11111,1,,1,,1,,111,11 .. 1,1,1 .. 1,1,11,1,,,11111,1,11, Please return this portio, along with your payment to: ASEMSAIBAN 16522 RUSSELL CT PO BOX 650965 SAN LEANDRO CA 94578-1 532 DALLAS TX 75265-0965 11•111 11111 111•11•1 1•""''1 11 111 11 1111•l•111l1111• 1•11 11•••11h1 43001017 00022379 0072 000066300 000284531 Credit card offers are subject to credit approval. lddeal Credit Card Accounts are issued by Comenity Capital Bank. Keeµ this µurtiu11 fur yuLH rcc.:or ds. CREDIT REPORTING. WJs. 0 1-1 4~218 2620. NOTICE OF CR EDIT REPORT DISPUTES It )':)U :::,el1eve I le acc:xmt 111tormat1on we reported t::;, :1 consJme- re:::io1 111g agency 1s 111:1ccu--at:::, ~·ou r1p ur lel ler, g ive us l h~ r:)llowir1g nlrn1m1l ion: 11<1\' suU·11it<1 d ired d sµute \0 Com:;11i l\· Gut::: must ;;rnvIdc suttIcIc1t • V u /fifr ifm:.Jun(: I 11~ dulli::11 i::lflltJ.mt ul !he susµ~:;ted ~rrur. irilo1111c1ti:Jr1 Lo idi::!ritit,• Lile ac:.:uu·1t ,:1rtJ sµec il\· wtw nie in1orru:tl i:m is • Vt1!>c rf,/tiuu 1.1f Pr'..!bfttm: II yuu thi11{ 111:n~ b :tr1!:!11u· ur1)'LI.II tii ll . 111accu--at::: ; des::r ibe whnl yrn1 :ielieve is wnng ;,im l w·1y y()u :n:>lieve ii is ;,i III sl,1ke. • Account lnt ormation: Your 1a11e and account numoer • Contact lrifo rmat iori: Y1ur -ii:l:hiss nnd l:dcphrnu1 ·1umbe1 You ·11ust cu1 1!;:i:.:t us wilh il 1bO d;;,ys i:ltt::1 tl1!:! ~11:.,r ::IIJµ,'-!i:n:d L''t yu..11 stat :;!m~nt . Ycu must 1ot1ty us ::it ::1ny potc1t 1:'.I I errors 1n 1vfltme. Ycu may • Disputed lnformatiori: ld~r1l I~- l he ac::o.Jr1l ir1fL>--nal iur1 :jis1ul ed ~rid :.:t1II .1~, t1.Jt t yuu d:., W":! ::1r1c: 11:.:at 1:::1..1 u1 ·1~d tu 11wl:l::illt:t1tl:l o111y ~•ut:::11t t1I ~-·u1 s :::xplam ,,1,y you b:::l1cve t 15 11ac::ur:tte ~ml p u ·nny h;,ve ln p~y Llie ;ir11:)ur1! ir1queslio;1_Vhile we invesli~dl P. • Supµurti11~ Du(;u1111mh1tio11; II c1•1c1 lc1::;,le. µw•,i1:l1:1 ct :.::u:J~· Lit th1:1 :;edio11ti! wlntt1er :::,r not t h1He has tu~en an e-u r, ttH t:::illowmc are tr Je; l h<~ cr~d I re porl show "l!,": l hf~ ~t:C:Hml infmm~l i:HI y:)U iH~ :lisp.Jl ing. • 'We o mriol I·~· lo co ll eel I ·1e n·rn>1n 1 i ·1 :11Jesl im1, :ir r~pw l you ~~; W1:1 will ir1•1P.st it:c:1b:: 111:1 dispu!P.d i11tu1111c1tiu11 ;_:i11i:l 1;;;µ:J1t tlll:l ;,~:;Jib b }'LIJ dt'linqui::!rll U II I 'tel i::l' !lUU"II . wil tii ·1 30 :l<1ys ol rec:;-ipl ol l tiP.- ·1fom1;-il on riP.-eded f:)r :)ur irtvesl ig,1l i1n . II • Ill"° :.::t1c11~;f:! ir1qu":!:;tiu11 111::ty rtn 1c1h 011 y:.;,w stc1b~111f:!11!, c:111::l wi:i 111c1~• w•~ ti11d tl1::1t tilt:! c1:.::L:uu11t i11tL11111<:1tio11 'A'IJ 113~1u1t ::d i:; i11<1cc:uro1t•~, wi:: will c:011t ·1ui:'= t:., :.::h:trt:;t~ p u i11t":!r•~st u11 t1c1t cn 1uu·1t. I.Lit , it 1·r:::di:it":!1111i1 11~ t1o1t )rt)'!n l ly p'ovi:le l he r1P.-cP.ss;,ry i:orrP.-t: l itn I:! P.;Kh ::(ns1rner -eporli ·ig we 11adc a rmsta{::: , you will not have to pay tl1::: am:::,unt 111 qu:::stro1 :::,1 <1[!!;:;lll)' !tl 'A'lit: ll WP, ·e~•u1 t;:;1 :l t he i11to11 m1ti:Jr1. any int:::rc-st or other tees -cl a\c:j to that aTIO(mt . • Vhile you d:J nol h;,vt) Ir) p,1y l h~ ;im:>unl in qu~slion, ~-:,u ;,r~ r:;-sponsi:>1-H PAYMENTS MA~KED "PAID IN FULL" /\II wr i11 :m c:)m1111mi::,1lions -,~~1.?trd ing. d isp1J1c :l nrnrnmls 1·1;:il ind .Jd:~ 1tny ::h~c: k or other :),1~,rn~nl fur 1·1t' re·n::ii·1di::!r :,r )•o.J1 U::i ;,incl! ir1st1u111;:;r1t ;11c11 kei:I w t h "µod ta1th to corr:::ct th::: r-oblern uu· 1 i1:::l lts. wiltl thi::! 1r11::ni.:1,nt . ~•:Ju ·r1ct)' hc1ve tlli::! rit-; hl rut b µay the re111I the tollow111g must ::>e tru:::: w· itte·1 ctl,)~►I U'Jc< I 1. 111::: r,urchasc must have b:::c1 mad::: 111 yoJr home state or w1tt111 l:JU CU:STOM ER SERVICE. V1s1t comer1ity,net/l cldjewelry O' cal I 111 le::; of your cu·rtml ·11aili·1g dddr~ss. ind !he µur::hdse ur i::e must hi:lve l ~,,, 100 l ob< :ww,1IY l ~~~ ~ ! ~ 1,1~, . bi:!i;n more th;i11 $ ti0. (Nut~: Nl:l'ithe1 of these is 11eceS!:-i:1'\' ii )'IJ.JI µu·chc1:;e TELEPHONE MON ITOR ING. To µ1:.;:,•1ide yuu with liig_h qual IV ::;e1•: ice w~::; Ja::;~tl on ~-1 ;:rdverl i::;e111i::!r1l we 111<1i led Lo t't:iJ. or ii we owi1 1'1e :.;u1r1:,~r1y :>h:Jr1e :.::u·1n1ur1ic<1Lion ·,villi .JS is moniloretl andf;,r rHi.:ordeJ. tt19t sold y::iu t 1c _go:::,d:, ::ir :,c-v c:::s.) ADDITIONAL INFORMATION . 11! LUUl f>! LL>; WV IN I LU. l'Y 111e:ir1:; WAIVL l N I _RLSI , L'.)JAL 1-'AYMLN I ; WV ] . Yu.J 111u::;t ·1ul yet hc1>'e tully µ,1id tLi- tll ;,; ~1.JIL'. hc1se. INT I ow P\o!T rtl P.'.'1/lS. WAIVF INTFRFST. I 'JW r AYMFNT: DF INT ry rm. 11~c111::; UL L -< IN I _RL::i I. 1-'AYML \J I K _l)UIK _D; IJLI IN I ~U -'Y ·11•~c111s t ::ill :Jt the c1i te1ia c1bll.'e i::ll e me\ a·1d \1:.;:,u i:lri::! st i I d i:;::; l 4J218-2:i2J. Wt1i le we i11'1e:;li1-:c1te. tt1e :;c1111e •.Jli::!::i ct:JJJI~• lo PAYMFNT. If you have i:l u-;ir nhle r;ilfi .1c::01n l , p w :)eriodi:: r1tl es ·nn)• Vf.l)'- tt1::: d lSJUt:::d arm unt as d l5CUS5ed ab:::i'/e . [\lier WC t1111sh OJr 1'/C5!1gat1on, Yu.1111c1y µ:iy al ut yuu1 Ai.:o:.:u.11 1t :::,al:1·1L·.e .:1t :111y t i111;;: wilhuul µ:c:11:ilty. we will tell )'l>J ow deci::;fo11. At l hc1t JJL>i11t, I WB th in{ you uwe c1r1 c1111ow1t and y::;,u do n:::,t ray we m::iy re::.0-1you as del 111qJc1t . Serid all i riqui ries to: CUSTOMER SERVICE, PO Box 183003, Columbus, OH 43218-3003 HOW TO AVOID PAYING INTEREST. Your dut! <.M t! is i:11 ll each :iillim,; c.:\•:.: le. Wt' wi I nulcharge you inleri::!sl 0·1 pu-chc1ses Send cill b,mkruptcy notices arid reh1ted currespm1de111;e t o Cu111enity I you pay your entire b:1l:1n::e by the due ::late :::ach mo 1th. We will :::,cg11 t:::, Capital Bank, Barikruptcy Departmerit, PD Box 183043, Col umbus:. OH :.::lii:1-~e ir1lere:;l ur1 ·1ew µurd1<1~es 1r1<1:Je u·1dr i1.e us ~ii.her lo .Jse ir1b rrnal iu·1 fr:.;,111 )•O.JI e;:ich lyptl or b;:il,:1r1::r' (n yo1J' ,:1c:c:>uril .Jsi11g :.i ");:ii ly R;i l-iinc~" l o de1erinir1~ chr.ck t:::, m:ikc a c•1e-! 1me elcct rornc IL111:.:l transt : r t r:;)rn yoJr 9CCounl c,- tc1 11t1~1est L:1i:1'[!::!S h r e<1dl ::;,ill lit; J):C:r bd . We t it;.ure t h!:! i11t :;1e~t ch<11ee L!'I :)ruc~ss I ·1e p~•, 111enl as a che::k l r;:i·1sn::l i:Jr1. '.'v'h~r1we .Jse ir1forrnal io·1 fr:Jm you- ~ccmml :>y ;-npl)•in~ 1·1e 1~rio:lic rnl(~ lo 1he "d;:ii!~ b;i ;-rnc~" DI you- your chc::k to 111:1kc an el~ct ro111c tun::l transt : r. tJn::ls may be w1tlldr:1•;m :n:c:.;:,u11t tu1 ec1~:h dd}' i11 the oil I · •t; q :.::I:; . b eel th:c: "d:ii 'I Jdl;_:i·1L:t:!'' w :; !-um your dC:.:o !J"ll .;i:; som1 as I.he s~me :J;iy we Jt:>ce iv~yoU' µ;iy·neril , ;ir1d l~-1.(·1 l he b~~ir1r1ir1g t1<1ldnc:;o :)f your ~cc:>unl ed::h dr1y. ;idd dr1y ru-: w you will not re::::c1vc y::;,m ct1e::k b:tck 1-om y:::,u r t 111an::::1al 111st 1tut1on. pu·ch<1ses c111d teP.~. 01111j ~ut1! 1c1~:t ::1r1y p:1y·111~11b u1 c:1 ::d ts \t;e::1til 1u <111y 11et ::red i l l),1l;:inu 1 ;is~ 1e-o '.)i:1l~·1ce). This g ivfls us l he rfai y :,;il~·1c:tl. PAYMENTS. ");:i~• p ur Ac::01n ! by l he p~yrnenl dw~d.11:;o bJ• l he l irr1P.- I isled h~ l()W. If we :lo nol ·ec~iv~) your :)~yrm:nl ir1n c:rnr~cl formal (oul l ine:l b~b-,o1) il 111 tu tll i::! pct}'r11e·1t 111etl1od y:.;,u s:::li::!l'.t. Correct Formttt. Currer.;l l ur1nal lur d ilterent µ,:1y-r1enl r11et·1uds incl.Jdi::!: M~ilfug IN Ort:might: Se;1d <1 p1~1~l•·1c1I t.:he~:k, 1r1011:;y Ln11:;:·, t1 :t'JP.le1·~ t:hP.~k :.:,r :.:;_:i::;hie1·s L:h•~ck p<1y~til;: i ·1 U .5 . i:llil 1<11s, \(.) t hP. r1u not ::;er1 j cc1sh or t-:ilt i.:e1tili:.;:ate:;. Pay By Pl,or1e: Ytu :.:: :1·1call u:; tvl flee c1t 1-8 ~~-408-1632 ll L>J:' I I Y 1 888 8 l 'J 1918) tu lfldke a µc:1y111er1l :)y l ele:.ih:Jlli::!. whi:.::h 111c1y i·1clt1:Je a lee . O,rfi11e: Y:Ju crit dut' $755.00 Prt!viuu:s balar1c11:1 $2,845.31 Payme11t due date 03/19/2022 Paymt>r11s 0.00 Other c-edils 0.00 Late paymenl warnlng: lfwe do not receive your minimum payment by 03/19/2022 you may Purchases 0.00 Other debits 0.00 have to pay up to a $40.00 late fee Fees charged 40.00 Minimum payment warning: If you make only tt1e minimum Iritttrt>st chargt:!d 2 .06 payment fo• each period, you will pay mo·e in interest a nd it w ill take New balance $2,887.37 you longe· to pay off your balances . For example: Past due amount 663,00 If you malJs. 0 1-1 4~218 2620. NOTICE OF CR EDIT REPORT DISPUTES It )':)U :::,el1eve I le acc:xmt 111tormat1on we reported t::;, :1 consJme- re:::io1 111g agency 1s 111:1ccu--at:::, ~·ou r1p ur lel ler, g ive us l h~ r:)llowir1g nlrn1m1l ion: 11<1\' suU·11it<1 d ired d sµute \0 Com:;11i l\· Gut::: must ;;rnvIdc suttIcIc1t • V u /fifr ifm:.Jun(: I 11~ dulli::11 i::lflltJ.mt ul !he susµ~:;ted ~rrur. irilo1111c1ti:Jr1 Lo idi::!ritit,• Lile ac:.:uu·1t ,:1rtJ sµec il\· wtw nie in1orru:tl i:m is • Vt1!>c rf,/tiuu 1.1f Pr'..!bfttm: II yuu thi11{ 111:n~ b :tr1!:!11u· ur1)'LI.II tii ll . 111accu--at::: ; des::r ibe whnl yrn1 :ielieve is wnng ;,im l w·1y y()u :n:>lieve ii is ;,i III sl,1ke. • Account lnt ormation: Your 1a11e and account numoer • Contact lrifo rmat iori: Y1ur -ii:l:hiss nnd l:dcphrnu1 ·1umbe1 You ·11ust cu1 1!;:i:.:t us wilh il 1bO d;;,ys i:ltt::1 tl1!:! ~11:.,r ::IIJµ,'-!i:n:d L''t yu..11 stat :;!m~nt . Ycu must 1ot1ty us ::it ::1ny potc1t 1:'.I I errors 1n 1vfltme. Ycu may • Disputed lnformatiori: ld~r1l I~- l he ac::o.Jr1l ir1fL>--nal iur1 :jis1ul ed ~rid :.:t1II .1~, t1.Jt t yuu d:., W":! ::1r1c: 11:.:at 1:::1..1 u1 ·1~d tu 11wl:l::illt:t1tl:l o111y ~•ut:::11t t1I ~-·u1 s :::xplam ,,1,y you b:::l1cve t 15 11ac::ur:tte ~ml p u ·nny h;,ve ln p~y Llie ;ir11:)ur1! ir1queslio;1_Vhile we invesli~dl P. • Supµurti11~ Du(;u1111mh1tio11; II c1•1c1 lc1::;,le. µw•,i1:l1:1 ct :.::u:J~· Lit th1:1 :;edio11ti! wlntt1er :::,r not t h1He has tu~en an e-u r, ttH t:::illowmc are tr Je; l h<~ cr~d I re porl show "l!,": l hf~ ~t:C:Hml infmm~l i:HI y:)U iH~ :lisp.Jl ing. • 'We o mriol I·~· lo co ll eel I ·1e n·rn>1n 1 i ·1 :11Jesl im1, :ir r~pw l you ~~; W1:1 will ir1•1P.st it:c:1b:: 111:1 dispu!P.d i11tu1111c1tiu11 ;_:i11i:l 1;;;µ:J1t tlll:l ;,~:;Jib b }'LIJ dt'linqui::!rll U II I 'tel i::l' !lUU"II . wil tii ·1 30 :l<1ys ol rec:;-ipl ol l tiP.- ·1fom1;-il on riP.-eded f:)r :)ur irtvesl ig,1l i1n . II • Ill"° :.::t1c11~;f:! ir1qu":!:;tiu11 111::ty rtn 1c1h 011 y:.;,w stc1b~111f:!11!, c:111::l wi:i 111c1~• w•~ ti11d tl1::1t tilt:! c1:.::L:uu11t i11tL11111<:1tio11 'A'IJ 113~1u1t ::d i:; i11<1cc:uro1t•~, wi:: will c:011t ·1ui:'= t:., :.::h:trt:;t~ p u i11t":!r•~st u11 t1c1t cn 1uu·1t. I.Lit , it 1·r:::di:it":!1111i1 11~ t1o1t )rt)'!n l ly p'ovi:le l he r1P.-cP.ss;,ry i:orrP.-t: l itn I:! P.;Kh ::(ns1rner -eporli ·ig we 11adc a rmsta{::: , you will not have to pay tl1::: am:::,unt 111 qu:::stro1 :::,1 <1[!!;:;lll)' !tl 'A'lit: ll WP, ·e~•u1 t;:;1 :l t he i11to11 m1ti:Jr1. any int:::rc-st or other tees -cl a\c:j to that aTIO(mt . • Vhile you d:J nol h;,vt) Ir) p,1y l h~ ;im:>unl in qu~slion, ~-:,u ;,r~ r:;-sponsi:>1-H PAYMENTS MA~KED "PAID IN FULL" /\II wr i11 :m c:)m1111mi::,1lions -,~~1.?trd ing. d isp1J1c :l nrnrnmls 1·1;:il ind .Jd:~ 1tny ::h~c: k or other :),1~,rn~nl fur 1·1t' re·n::ii·1di::!r :,r )•o.J1 U::i ;,incl! ir1st1u111;:;r1t ;11c11 kei:I w t h "µod ta1th to corr:::ct th::: r-oblern uu· 1 i1:::l lts. wiltl thi::! 1r11::ni.:1,nt . ~•:Ju ·r1ct)' hc1ve tlli::! rit-; hl rut b µay the re111I the tollow111g must ::>e tru:::: w· itte·1 ctl,)~►I U'Jc< I 1. 111::: r,urchasc must have b:::c1 mad::: 111 yoJr home state or w1tt111 l:JU CU:STOM ER SERVICE. V1s1t comer1ity,net/l cldjewelry O' cal I 111 le::; of your cu·rtml ·11aili·1g dddr~ss. ind !he µur::hdse ur i::e must hi:lve l ~,,, 100 l ob< :ww,1IY l ~~~ ~ ! ~ 1,1~, . bi:!i;n more th;i11 $ ti0. (Nut~: Nl:l'ithe1 of these is 11eceS!:-i:1'\' ii )'IJ.JI µu·chc1:;e TELEPHONE MON ITOR ING. To µ1:.;:,•1ide yuu with liig_h qual IV ::;e1•: ice w~::; Ja::;~tl on ~-1 ;:rdverl i::;e111i::!r1l we 111<1i led Lo t't:iJ. or ii we owi1 1'1e :.;u1r1:,~r1y :>h:Jr1e :.::u·1n1ur1ic<1Lion ·,villi .JS is moniloretl andf;,r rHi.:ordeJ. tt19t sold y::iu t 1c _go:::,d:, ::ir :,c-v c:::s.) ADDITIONAL INFORMATION . 11! LUUl f>! LL>; WV IN I LU. l'Y 111e:ir1:; WAIVL l N I _RLSI , L'.)JAL 1-'AYMLN I ; WV ] . Yu.J 111u::;t ·1ul yet hc1>'e tully µ,1id tLi- tll ;,; ~1.JIL'. hc1se. INT I ow P\o!T rtl P.'.'1/lS. WAIVF INTFRFST. I 'JW r AYMFNT: DF INT ry rm. 11~c111::; UL L -< IN I _RL::i I. 1-'AYML \J I K _l)UIK _D; IJLI IN I ~U -'Y ·11•~c111s t ::ill :Jt the c1i te1ia c1bll.'e i::ll e me\ a·1d \1:.;:,u i:lri::! st i I d i:;::; l 4J218-2:i2J. Wt1i le we i11'1e:;li1-:c1te. tt1e :;c1111e •.Jli::!::i ct:JJJI~• lo PAYMFNT. If you have i:l u-;ir nhle r;ilfi .1c::01n l , p w :)eriodi:: r1tl es ·nn)• Vf.l)'- tt1::: d lSJUt:::d arm unt as d l5CUS5ed ab:::i'/e . [\lier WC t1111sh OJr 1'/C5!1gat1on, Yu.1111c1y µ:iy al ut yuu1 Ai.:o:.:u.11 1t :::,al:1·1L·.e .:1t :111y t i111;;: wilhuul µ:c:11:ilty. we will tell )'l>J ow deci::;fo11. At l hc1t JJL>i11t, I WB th in{ you uwe c1r1 c1111ow1t and y::;,u do n:::,t ray we m::iy re::.0-1you as del 111qJc1t . Serid all i riqui ries to: CUSTOMER SERVICE, PO Box 183003, Columbus, OH 43218-3003 HOW TO AVOID PAYING INTEREST. Your dut! <.M t! is i:11 ll each :iillim,; c.:\•:.: le. Wt' wi I nulcharge you inleri::!sl 0·1 pu-chc1ses Send cill b,mkruptcy notices arid reh1ted currespm1de111;e t o Cu111enity I you pay your entire b:1l:1n::e by the due ::late :::ach mo 1th. We will :::,cg11 t:::, Capital Bank, Barikruptcy Departmerit, PD Box 183043, Col umbus:. OH :.::lii:1-~e ir1lere:;l ur1 ·1ew µurd1<1~es 1r1<1:Je u·1dr i1.e us ~ii.her lo .Jse ir1b rrnal iu·1 fr:.;,111 )•O.JI e;:ich lyptl or b;:il,:1r1::r' (n yo1J' ,:1c:c:>uril .Jsi11g :.i ");:ii ly R;i l-iinc~" l o de1erinir1~ chr.ck t:::, m:ikc a c•1e-! 1me elcct rornc IL111:.:l transt : r t r:;)rn yoJr 9CCounl c,- tc1 11t1~1est L:1i:1'[!::!S h r e<1dl ::;,ill lit; J):C:r bd . We t it;.ure t h!:! i11t :;1e~t ch<11ee L!'I :)ruc~ss I ·1e p~•, 111enl as a che::k l r;:i·1sn::l i:Jr1. '.'v'h~r1we .Jse ir1forrnal io·1 fr:Jm you- ~ccmml :>y ;-npl)•in~ 1·1e 1~rio:lic rnl(~ lo 1he "d;:ii!~ b;i ;-rnc~" DI you- your chc::k to 111:1kc an el~ct ro111c tun::l transt : r. tJn::ls may be w1tlldr:1•;m :n:c:.;:,u11t tu1 ec1~:h dd}' i11 the oil I · •t; q :.::I:; . b eel th:c: "d:ii 'I Jdl;_:i·1L:t:!'' w :; !-um your dC:.:o !J"ll .;i:; som1 as I.he s~me :J;iy we Jt:>ce iv~yoU' µ;iy·neril , ;ir1d l~-1.(·1 l he b~~ir1r1ir1g t1<1ldnc:;o :)f your ~cc:>unl ed::h dr1y. ;idd dr1y ru-: w you will not re::::c1vc y::;,m ct1e::k b:tck 1-om y:::,u r t 111an::::1al 111st 1tut1on. pu·ch<1ses c111d teP.~. 01111j ~ut1! 1c1~:t ::1r1y p:1y·111~11b u1 c:1 ::d ts \t;e::1til 1u <111y 11et ::red i l l),1l;:inu 1 ;is~ 1e-o '.)i:1l~·1ce). This g ivfls us l he rfai y :,;il~·1c:tl. PAYMENTS. ");:i~• p ur Ac::01n ! by l he p~yrnenl dw~d.11:;o bJ• l he l irr1P.- I isled h~ l()W. If we :lo nol ·ec~iv~) your :)~yrm:nl ir1n c:rnr~cl formal (oul l ine:l b~b-,o1) il 111 tu tll i::! pct}'r11e·1t 111etl1od y:.;,u s:::li::!l'.t. Correct Formttt. Currer.;l l ur1nal lur d ilterent µ,:1y-r1enl r11et·1uds incl.Jdi::!: M~ilfug IN Ort:might: Se;1d <1 p1~1~l•·1c1I t.:he~:k, 1r1011:;y Ln11:;:·, t1 :t'JP.le1·~ t:hP.~k :.:,r :.:;_:i::;hie1·s L:h•~ck p<1y~til;: i ·1 U .5 . i:llil 1<11s, \(.) t hP. r1u not ::;er1 j cc1sh or t-:ilt i.:e1tili:.;:ate:;. Pay By Pl,or1e: Ytu :.:: :1·1call u:; tvl flee c1t 1-8 ~~-408-1632 ll L>J:' I I Y 1 888 8 l 'J 1918) tu lfldke a µc:1y111er1l :)y l ele:.ih:Jlli::!. whi:.::h 111c1y i·1clt1:Je a lee . O,rfi11e: Y:Ju c