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
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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 BENARDITA D ELOBT; PRAYER AMT: $1,755.59
and DOES 1 through 10, inclusive LIMITED
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Defendant.
14 MIDLAND CREDIT MANAGEMENT, INC., ("Plaintiff"), by counsel, sues BENARDITA D ELOBT,
15 (“Defendant”) 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.: 23-82821 SCP
1 5. Defendant established a credit account (the “Account”) with COMENITY BANK. The
2 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 balance due.
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Defendant failed to make the required payments and subsequently defaulted on the
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Account on October 17, 2021. Thereafter, Plaintiff was assigned all rights, title, and
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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 BANK, to Plaintiff. The Account was purchased by
8 Plaintiff on April 25, 2022.
9 7. The Account balance at the time of charge-off was $1,755.59. Plaintiff alleges that the
date of default is October 17, 2021 and the date of the last payment was August 17,
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2021.
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8. The name of the charge-off creditor at the time of charge-off is COMENITY BANK. The
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address utilized by COMENITY BANK at the time of charge-off was ONE RIGHTER
13 PARKWAY SUITE 100 WILMINGTON,DE 19803. At the time of charge off, the
14 account number associated with the debt was XXXXXXXXXX-XX-5557.
15 9. The name of the debtor as it appeared in the records of COMENITY BANK is
16 BENARDITA D ELOBT and the last known address as it appeared in the records of
17 COMENITY BANK is 14744 WASHINGTON AVE APT 140 SAN LEANDRO CA
94578.
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10. The name and address of all post charge-off purchasers of the debt are as follows:
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Name Address
20 MIDLAND CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN
INC. DIEGO CA 92108
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22 11. Plaintiff has complied with the provisions of CA CIVIL §1788.52. Plaintiff informed
23 Defendant of the assignment of the Account.
24 12 Pursuant to CA CIVIL §1788.58(b), attached as Exhibit B is a true and correct copy of a
monthly statement recording a purchase transaction, payment, or balance transfer while
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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.: 23-82821 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
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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 BANK.
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Defendant opened and derived benefit from the Account. By using the Account,
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Defendant expressly or impliedly promised to repay COMENITY BANK. Within the
20 last four years, Defendant became indebted on the Account.
21 19. On the Account, a balance of $1,755.59 was stated to be due to COMENITY BANK
22 from Defendant. Plaintiff has no record of Defendant objecting to the balance due.
23 20. Before the commencement of this action, Plaintiff was assigned the Account and
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.
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22. The current balance presently due and owing is $1,755.59 which includes payments, set-
27 offs, credits or allowances, if any, at or after charge-off.
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COMPLAINT
CA_0132G File No.: 23-82821 SCP
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2 WHEREFORE, Plaintiff requests judgment against Defendant for $1,755.59, 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.: 23-82821 SCP
EXHrBITA
BILL OF SALE
Comenity Bank ("Seller"), for value 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 April 25, 2022 all rights, title and interest of Seller in and to those
certain Accounts described in the Credit Card Account Purchase Agreement and
Schedule l (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 terms 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.
Midland Credit Management, Inc.
By: /i)1tt..dll., }v(J~
Date: 11/1/2022
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 Account Purchase Agreement and
Bill of Sale are described in the electronic file named
MCMG HF APRIL 2022 DPL CB.TXT;MCMG HF APRIL 2022 LCS CB.TXT and
delivered by- Comenity Bank- to Midland - Credit Management, Inc. on April 18,
2022 and summarized in the table immediately below (the "Sale File").
# of Charged-off
Aggregate Unpaid Balance Percent File Creation Date
Accounts
04/)5/2022
EXHIBITB
CLOSING STATEMENT
AGREEMENT DATE: October 25, 2019
SELLER: COMENlTY BANK
PURCHASER: ·Midland Credit Management, Inc.
MCMG_HF_APRIL_2022_DPL_CB.TXT;
MCMG_HF_APR!L_2022_LCS_CB.TXT
FILE NUMBER:
NUMBER OF ACCOUNTS:
TOTAL UNPAID BALANCE:
PURCHASE PRICE
PERCENTAGE:
PURCHASE PRICE:
FILE CREATION DATE: April 15, 2022
CLOSING DATE: April 25, 2022
WIRING INSTRUCT.ION
PORTFOLIO LEVEL AFFIDAVIT OF SALE nv ORIGINAL C REDITOR
STATEOF:UTAH
COUNTY OF: SALT LAKE
I. I am over 18 and I am the Chief Credit Officer of Comenity Bank ("Seller"). In that capacity and as
part of my regular job duties, I have custody of ce11ain business records of Seller, routinely 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. I 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,
infonnation, 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 hen:in.
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 04/25/2022 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 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, Iien, pledge, charge, claim or security
interest. I 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 pa11y, they are records that were
incorporated into the records of Seller as a business record and the accuracy of such records arc relied
upon by Seller in the regular course of business.
7. I ce11ify under penalty of pe1:jury that the foregoing is true and correct.
FURTHER AFFIANT SA YETH NOT.
Signed this _Z-,5~
_ _ _ _day of May, 2022.
~
Bruce Bowman (APFJANT NAME)
Comenity Bank
Subscribed and sworn to before me this ~clday of May, 2022, by
't';,n 1c: e, :?xH.0M«-O
, an employee of Comenity Bank
IL
Public
~ faiy
~~
tf' .
JENNIFER PARDUE
Notary Public - State of Utah
comm. No. 718844
My commission EJr11s -7000
Other c-edits 0.00 Late paymenl warnlng:
lfwe do not receive your minimum payment by 09/17/2021 you may
Purchases 0.00
Other debits 0.00 have to pay up to a $40.00 late fee
Fees charged 0.00 Minimum payment warning: If you make only the minimum
Iritttrt>st chargt'd 27.86 payment fo• each period, you will pay mo'e in interest and it will take
New balance $1,270.47 you longe' to pay off your balances . For example:
Past due amount 0,00 If you mal paperless?
Visitcomenity.netlavenue or ca ll 1-800-957- 1398 (TDD/TTY 1-800-595- l 788).
Sk ip s ign ing h to pay an1 J Se Cornenit y's lasyl-'ay_ It's s.ate and conv~nie1t. Use your srnartpho·1e carne-::1 or code
reader to sca n the U.k : ode :,rinted o ri your payrne1t stub :::.e low to get st::irted.
~
Platinum Select Rewards
All Avenue Cardholders Register for Account Center at
now receive rewards'" comenity.net/avenue'
Receive 1 Point For Every Dollar
Spent!
Points will expire after 12 months"
" This rewards program is
provided by Avenue. and its terms
may change at any time. For Full
Rewards Terms and Conditions,
please see comenity.net/avenue.
Details of your transactIons
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
08/17/2021 PAYMENT -THANK YOU -70.00
Total fees charged for this period $0.00
Interest charged
Interest charge on purchases $27.B6
Total interest for this period $27.B6
__ __ _ _ ___ _ __ _ __ _ ___ _ __ _ _____ _ __ _ \JOTl::::E: See -averse side for imp:>'ta1t info•mation___ __ ___ _ __ __ _ _ __ _ _______________ _ ____ _ _
Please tear at perforati o n above
Accou1t
mmber
avenue.self \Jew balance-
$1 270-47 I
Minimum payment
$70,00
99 3
Mailed payments must reach us by 6pm ET
□
Yes, .1 h(1Vt: movt:d v r upcltttt:d my Amount on 09/17/2021.
e-mail address - see reverse. enclond:
$ Please make check payable to
COMENITY - AVENUE
1I1111 11 1•11111111' I' 1 II Illll 111 111I1111111 11,111 I11111 1I 11• 111
11
Please return this portion along with your payment to:
BENARDITA D ELOBT
14744 WASHINGTON AVE APT 140 PO BOX 650960
SAN LEANDRO CA 94578-4238 DALLAS TX 75265-0960
•1•111 11111•1111111 11111 11 11 11 •1111 111 11 1111 11 11111 1•11 1111 11 111 1
03605015 00026456 4065 000007000 000127047
Keeµ this µurtiu11 fur yuLH n:c.:ords.
CREDIT REPORTING. We m;,iy n?port inf:>rrn<.1li1r1 ;ibo11t pur n::rn1nt l :i
Whar To Do If You Thfok Yo11 rind A Mistakt On Your Stc1temenr credi t bu-eaus. Late r ayrn:!nts, rniss:!d r aym:!nl s, or other dcfau ts on your
c1c:.:uur1t 111c1y ~ 1etle;;ted ·1yuu· ;;,edit 1!:!µ:.i1 t
t yo,1 think ther:: 1s an c" or on your statc11cnt, write to us at: c;::,men 1ty
:3,n k ->Q :3uK 182/82. ;:.:,lu111bus. Ohio 4321!:!. 2/82. NOTICE OF CREDIT REPORT DISPUTES
r1 p ur leller, g ive us l h~ r:)llowir1g nlrnm;ilion: II you h~lieve L11~ .-1::counl inlorm;il ior1we ·eporl ~d lo a cor1surr1~r r~p:)r l ing
• Al 'IXJtml i ;ifu rm:1f i '.m: You· 11:;,ime :-trd c1c:.:0Jr1L 1u111h:,:r ac~ncy rs , ac::uratP., you m'JY subm t a d1'C:::t ::l1s:iutc to :;c,n'.!rnty U.a1k I'll
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des::r ibe whnl you :)elieve is w1w1g ;,iml w·1y y()u :n:>lieve ii is ;,i III sl,1k~i. infom1:ili:m is ina::c .Jr;ile :
• Account lnformatiori: Yu.Jr n<1rrtl:l <111d otcr,::.: uril ·1umber
You ·11ust cu11!;:r:.:t us wilh ir 1bO d;;,ys ;:rtt::1 tl11:! P.11:.,1 ::IIJV'-!i:t'P.d L''t )'ll..11 • Cllntact Informat ion: You· o::ddre::;.s .:111d tele:.ih;;,11e r1u·11ber
stat:;!m~nt . Ycu must 1ot1ty LIS ::it ::1ny potc1t 1:'.r I errors 1n 1vfltme. Ycu may • Disputed l11fur111atiu11: li:l i:ntity thIJ b~lie\'!c' I is i·1;,ic ::ur:-tl e
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• Supporting Documentation: II avaI able, pw 1dc a coP, ot t he scct101 or
Whi h w:~ i "IV(?sl ig.il rl lhc m;.;.1 lls 1:-i y11.J
• We u mnol I)• 1ocollecl 1·1e .i·no1n l i·1 :11Jest ion, :ir r:~pw t you ;,is
witt1i·1:io Jc1ys ul rt:cl:lipt ul the ·1tu11111:1 t u1 1r1l:ledi::d ti.Ir :;,u1 i11•;1;::;l i~atiln . It
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we finrl lh ,tl th~1 ;i::ro1m t inforrn;it ion ',ii() re rorl:~d is inncr.ur;ik, wr- will
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WI:! ·11i:1dt~ i:i mistd{:;!, )'Oll wi ll 11ot hc1ve t~1 µ_1y the! c:1 111:)Ullt ir1 ql1;:?::;.! ilr1 :)!
any 111tcrcst or other tees 'Cl ate1 to that a11ount . PAYMENTS MARKED "PAID IN FULL". All written i.:u11n1.1r1 i.::tl iJ11s
·eg<1rd i11!{ d isputed amounts \"'lat ind Jdl:l: :111y :.:lleck ur other ;Ja)•111;;,r1t
• W11le ~ou do not have to [)ay th~ am::iunt 111 riu~st1on, y::,u ar~ r~srons1:;,le
mstrum~nt marked w t h "p;,yment in tu II" o· 51111 11a' l:mguage, must t,e s~nt
for 1·1e re·nni ·1d~r :)r yo.Jr b;i ;me~
to; !UJO W. Mockingbird Lane, Su le W:J, Llalla5, IX /tii 1l / .
• We c:;111 i:liJIJI;· i:111)' u·1µ:1i:J i:lirlOU"l l ctgi:li "ISI vo ur cre:Jil lirniL
UO NO i US:. I H:. t:.~C-LOS:.J li:.MII I/\NCl:. l:.Nl/1:._:J ' !:..
Yo11r Rights If You Are Dissatisfied With Your Credit Card Purchases Wl:l trldy at:c;;i:v t IJ<:1f•m1:mt s.1::·1t t:J ::1r1y :;,lt-tl:l:! :1d1r~:;5 witt·1uut !usin~; any ul
f i'U.1 <:rre :Ji::;s.alislied 1•1 l h Lire 11,:;,ud::; ur services Lhal )';.>U ·1i:we pu-chased OU' flgllts,
with you' c-e11t ::a'd, and you l1avc 1-1cd 111 g::>od t:11th to correct the - \Jo :.ic1yrc1~r1t sh.:111 ;;,p~1ate c1:,; eir1 c1ci;urd a·1d s.:1t i:;l ,1<.:t 011 without ;;,ri:.:ir
pr:,b!ern wiU1 [·1e me-rd1c1nl. vu .1111;.iy t1.:1ve 1·1e ril",hl ·ml l u p:l'f llritcomenity.riet/ave-nueur ce:tll 1800 967 1398
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l . Th~ p.m:hnse must h;ive b~e·1 rri;i:I~ ir1 )•!J.H hmm: sl ;.ile or .,...i1t1i·1 ]JO TELEPHONE MONITORING. IL1µ1;;,vi1fa yllu with llit,:h-quc1I ty 'S!;:t v il:r.? .
111 les ut ~·ou1 cu·1e11t ·11<.tili ·1i_: 11jd1~:;s. ,:n1j t he pu1:.:l1::1:;,~ :.i1L:e r11u:;t lli:t'!B :;,l1;;,11:: :.:u·1r11u1 riL;1:1 t iu11 with .1:; is 1r101 1ilu11:!d c11111/Jr 1~L:u1d1~1.
bc1n rnor~ than $ W. ( Note: Ne1tl1cr ot t hese 1s necessay 1t ycur pu-chasc
•r,c1s ::ic:isd u1 1c1·1 :rd'Je1tiS(:!111:::r1t w~ 111aile1j to yuJ , u1 1t w~ uw11 h i:: t.:l 1111:.ic1I1y ADDITIONAL INFORMATION. T1r fnlln.;:ing dr.-,;ign;il ir.n"', wh~n ;3ppi!~ring
l hstl sold p u 1·1e !,;O:>d;;. :u ;;.e'v c~s.) on th::: 1n nt ol· y:::,ur statement. rn~a·1 tt1c lo lowing: V means variable rate
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? . Y11.J musl ·1;,i•.<:~ usr)d yru r ::11)dil c;inl for t 'u) p11rch;is(1. , urr. ·1;,is::s m~dr) ll l:.t1Ullil:.l.>; WV IN I I:.(! l'Y me~n5 Wl\11/1:. !NI :.111:.$1, t:.:JJ/\L l'AYMl:.N I ; WV
with L:c1~h c1d~•1rr~:1;:s ! 10111 c111 A.I M ut wit1 <1 che~:k th1t i::IL:c:::,,:;s~:; your credit IN I LOW 1-'Vl I r11ec111'd. WAIVL IN I U i'.LS I . L:JW 1-'AYMLN I : Dl IN I 1-'Y HU
::.ird ctcc:)tml d o no! ,p;,ilify. 11cans DE=-u INE nE5T, r1WME\JT R:.t)UIR:.D: DEF INT :,Q "'Y rnc,c1ns.
3 . Yo.J must 1ot yct have tully pa id t::,' th::: ru rchasc. DLI LH: IN I L , _s,. LUUAL 1-'An l L \JI; l.ll I\J I _ow
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tall ::it the cn tena abLWC arc met a1d y:::,u ar:: s.11 I d1ss:1t 1st 1::d with the 1-'AYr,JlLNI lt yL1u ha1m c1 vc11 c1ble 1c1t1;: <1ct.:l1u·1t . p u1 ;;,1;:;iudi;,: r;1tes ·11<1}' \' t1· ~· -
pu-chas.e, : 01tact JS rn wntror;al: t:::i111c11ty l:l:mk ->[J l:l::>x 182/~2. Yru rn;iy pay ,11 o f your Acco.ml :);,i!~·1r:c ;ii ;,iny 1im r- wi!hout p:m;1l!y.
:;01umtus, ~)1110 •132H:!--2/~2.
Send all inquiries lo: CUSTOMER SERVICE, PO Box.182273, Columbus
Wl1il:::,, w;,:. i w1;:st iuc1te, tlH ~c1·11i:: rul,:::; :tµµly tu t1e di:;.put1;:d 1.n11.1!Jr1t <1s Ohio 4:1;c:1l>-2,n .
:liscu;;.s,d ;,J j )OVP., Arl m W.": ri·1is.tr our inv~sli!5..ill ion, WI~ will lell y:)lJ OIJI
1,::t.:isi:Jrr . A.I tt1::1t pu ·1! , it w~ tl1ir1k ytu J'A'P, en :111n.•J11t c111d yuu 1o 11ut :.ic1y Serad all bankruptcy notices a11d related correspondence to Come11ity Ba11k,
w~) 111,1y rP.D(HI you ns dd inq.Je·11. Bankruptcy Departmerit, PO Box 182 125. Columbus. Ohio43218-2 125.
HOW TO AVOID PAYING INTEREST. YLut Ju1;: d1t1;: i:; :1t l1;:.:1st 2'~1 d:tys c1tt:::,,r NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you p1:)'lid~ ,1
tl1a:! c lo:;e l+t 1::c1ch ::iill i11~~ q •:..:ll:l:. We wi I 11uti_:hc11~e yuu il1t1;:1;.:.:;t u·1µuTh<1se'd. c:h,~ck ::ts p;1ym(m !, you ~ul h:H i, e u;;. :~ii hm lo .Jsci irrf:>rmal i,n fr:)m yo.Jr
f rou pay your entire bal:m::::e by lhc due :.fate :!ach rno·1th. We will :::,egh l o ch1;:,:.:k t:J 1r1;1k1;: c1 l r 11;:-lir111:~ e:l: d 1u11il: tl111::l trc1;1'd.ta:!r t1:.>111 yl,.11 :1l:L:our 1t l •· tu
;;h<:q ;,:: ir1t;.:.r1;:~t 011 ·11::w µu1cha-:,:es 1r1<1J!:! u·,d:::r :t Lu1•1 Al-'~ . Lqu::11 1-'c1y·111::at >roc,i ,;s 1·1e p,1y1rn-: nl ;,is ;i ch,i::k l r~·1s;i::l i:m . Whf1r1 'Mi .JS{? ir1brm;,il i!n rr:>m
:1r =:u:lg:~I P,1yrnent r:-c::li l , Ian r-orn lie dal r.- :if pwc:h;i;,c. ~·uu1 ch!:!:.:k tu 111':lkt:' c11 1el:d101 1ic l u11::l tra11st:.!1. I .1111-s 111c1y tit:' withd1::1'A't1
f · o m y()tJr ;,ic::ou·11 ;is soon unt tor ea:::11 day in t he ::>11 I 1g cy:::I:::: , l o get the "da1'f :::,ala1ce·' w::::
l a(e l he be~;i1111ir1g lx!lc1r1ce :.;,f yuu1 :1cc.:Jur1t e.:1:.:h dc11•, adJ .:1r1y new
ru-chases and tees. and subtract :my r:iy11ents or cr::::d ts a rcatrng any net
:.:1edit balance ;;,s i::l t.e·o ::iala·1t.:eJ. I his J-;ives us !he di::li ,. oala·1ce.
PAYMENTS. , ,i~• p ur Ac::01n l by l he p;,iyrnenl dw~dnl ~ b;• l he l im~ li,;led h~ l()W. I[ we :lo nol ·ec~iv~) your :);iyrm:nl ir1 ;,i co rrP.c l lorm;il (oul l ine:l :)P.bw) il
111:1y 11:Jt tie c.:1~d teJ tu youi AJ:. :.:u.1r1t tu1 u:.i b ti•,e dc:1}1 ::i, 01 1r1<1y tie 1ejlc!:.;te1:t. Al::io. youi p:t~·111~r1l ·11u:;t 1e.:1d1 .1<; by tl1~ µc1yr11l:l11t cub tt ti ·11e the:tt ,t:;,µlies tu
tl1l:l p<1}'r11e·1t 111etllod p u s=l~d .
Correct Format. l,orr~[t forrn;it· for rliff~rent p=iy1"1,~nl mr!l1orls ind ..1rl~
Mailirrg or Ov~mighr: ~end a r c-rso1al che:::k, money o·de·, t rilveler's che~k or :::ash1er's c.heck rayabl:: U.~. dol lar5, lo t he na11e aid a::td·es5 51own 01 1,
l his Sl.:1l!!'rne·1t ·1 Lhe µ.:1~r11e11L sl ub etr!J•fided wil·1YU.JI Sl ale111er1L, send :;,r1e p;;,y111e·11 wilh !.)"le
pay11ent s!Jband d::> nots::n::l a1y correspondence w1t11 yo.Jr payrnc1t . YoJ s.h::iuld o'/ernight a p:iy11cnt to l JlO W. Mock ngo1rd La1e, Suite lUU, Jal las,
IX / ~1l 1l / and tl1:: :id11t 1::ir1::1I format requIre11ents ar:: the sc1mc as ot her 1la1l::::d :::,aym::::nts unless t her:: 1s a ,j 1spute, in wh ch case you tollow the l-'ay1lents
\hr1<.e J "1-"a 1d n I LI r· section above. I.);) not send casl1 or c11t ccrt1t 1cat-2s. Pay By P11011e: Yo.1 c a1 cal u 5 t::ill tree at 1-1;:JJ-Yb/-U Y8 ( I l.>l); 11Y
l -8UO-bY~1-l /88} tu 111::1k1~ d pc.1y1111:!11t ::>y t~li::Jl1;;,r1a:!, whi:.:h 111;:ry i'lduj~ d foe , 011/i,re: Y:.,u c::111 111;:rk.e :t µ<1y·111.m t :.irrl11 1::: ::1t Gu1mmity .m;t/e1ve1mi;,
Pay1rn:r1t Cutoff Ti111l!s. 1-':1y-r1P.1 rt L:.Jtutt t i111~:;(d::wjli·1es tu1 .1:; tu 1e<.:::i'lle 1,Hy·11P.11ts c11:: t1y t h1;: 1jll,;! d1:1t ~ 011 h is St.:1t1;:111(:!11t hr the: µ:iy-111;:11! :;t.1b c11:::a i::ll th:::
tul uw ·1t; t i1r1e:;: M<1ilirtr ar1rlO~mig hr; tj.y 6 :0U µ111 L1:1ste111 !h11:: ( LI ); PqBy Prime; tj.;, O;UO µ111 ;L I}; Onlirre; Jy b::JO µ111 (LI).
New lnformalion
litle (optional) _ _ _ _ First Name _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Ml _ _ _ __
Last Name _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ Soc. Sec. No. _ _ _ _ __ __
Street Address _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __
Apt. No. _ __ _ _ _ __ _ RR _ _ _ _ _ _ _ _ _ PO Box _ _ _ __ _ _ _ _ __
Coty _ _ _ _ _ _ _ _ _ _ _ St at e _ _ _ _ _ Zip Code _ _ _ _ Fore,gn Map Code _ _ __
Home Phone Worit dut' $650.00
Prt!viuu:s balar1ct' $1,679.41 Payme11t due date 04/17/2022
Paymt>r11s 0.00
Other c-edits 0.00 Late paymenl warnlng:
lfwe do not receive your minimum payment by 04/17/2022 you may
Purchases 0.00
have to pay up to a $40.00 late fee
Other debits 0.00
Fees charged 40.00 Minimum payment warning: If you make only tt1e minimum
Iritttrt>st chargt!d 36.18 payment fo• each period, you will pay mo·e in interest and it will take
New balance $1,755.59 you longe· to pay off your balances . For example:
Past due amount 555,00 If you mal EasyPay. It's s.afe and corwen ie1t Use your srnartpho1e came"a or code
reader to scan the QR code orinted on yo ur payn,e ot stu b oe low to get started,
Details of your transactions
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
Fees
03/17/2022 LATE FEE 40.00
Total fees charged for this period $40.00
Interest charged
Interest charge on purchases $36,18
Total interest for this period $36.18
2022 totals year to date
Total fe~s charg~d i11 2022 $120.00
Total interest charged i11 2022 $100.46
Interest char e calculation
Your Armual Pe-r;entage Rate (APR) is the annual interest -ate ori your account. See BALANCE COMPUTATION METHOD
on page 2 for more details. Minimum interest charge may exceed interest charge below, per your c redit card agreement
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR TO INTEREST RATE CHARGE
Purchases 24_9900% ;vJ 1,704.53 36.18
Add1tIonal important messages
IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a
bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this
statsment bsfore the snd of this month. If you are not able to pay the Minimum Payment amount, we w ill
still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089
(TDD/TTY 1-800-695-1 788) and we will find a suitable payment before the end of this month. If written off,
(~ O'Jn \IUEJ )
_ _ ______________________________ \JOTl::::E: See -everse side for impo'ta1t info•mation______________ _ __ _ __________ _ __________ _
Please tear al perfo rati o n above
Accou1t
mmber
avenue.self \Jew balance-
$1 755_59 I
Minimum payment
$650,00
99 4
Mailed payments must reach us by 6pm ET
□
Yes, .1h(:lv~ mov~d vr upcl1:tt ~d my Amount on 04/17/2022.
e-mail address - see reverse. enclosed:
$ Please make check payable to
COMEN ITY • AVENUE
111 11111111'•·111il 11 1lil11 1•1P1111l1lll11ll,,1,lll 1l1l 1l1 1lll,I
Please return this portion along with your payment to:
BENARDITA D ELOBT
14744 WASHINGTON AVE APT 140 PO BOX 650960
SAN LEANDRO CA 94578-4238 DALLAS TX 75265-0960
1l 111 l'l'l 11111 1•11l•l 11111 111 •11 111 11111 111 llll 1••111 1111 11l•l1 1
03605015 00007295 5557 000065000 000175559
Keeµ this µurtiu11 fur yuLH n:c.:ords.
CREDIT REPORTING. We m;,iy n?port inf:>rrn<.1l i1r1 ;ibo11t pur n::rn1n t l:i
Whar To Do If You Thfok Yo11 rind A Mistakt On Your Stc1temenr credi t bu-eaus. Late r ayrn::-nts, rniss:-d r aym:::-nls, or other dcfau ts on your
c1c:.:uur1t 111c1y ~ 1!::!tle;;ted ·1yuu· ;;,edit 1!:!µ;.11 t
t yo,1 think ther:: 1s an c" or on your statc11cnt, write to us at: c;::,men 1ty
:3,n k ->Q :3uK 182/82. ;:.:,lu111bus. OH 432 18 2/82. NOTICE OF CREDIT REPORT DISPUTES
r1 pur leller, g ive us l h~ r:)llowir1g nlrnm;ilion: II you h~lieve L11~ .-1::counl inlorm;il ior1we ·eporl ~d lo a cor1surr1~r r~p:)r l ing
• Al 'IXJtml i ;ifurm:1fi'.m: You· 11:;,ime :-trd c1c:.:0Jr1L 1u111h:,:r ac~ncy rs , ac::uratP., you m'JY subm t a d1-c::t ::l1s:iutc to :;c,n '.!rnty U.a,k I'll
• Vu/fifr ifm:.Jun(: I 11e dulli::11 i::lllllJ.mt ol \~1e susµe:.:ted ~11ur. Box lB:?789. C:olumhus, OH 43? 18 ?7~9. Yo.Ji· wr illtt11 d ispultt irusl
• Vt1!>crf,/tiuu1.1f Pr'..lb fttm: II yuu thi11{ t1e·1;: b :m !:!11u· ur1 )'LI.II tii ll. ::>rc,v1dc sJtt1:::1ent 111tornat1cn t::> 1i:t c1t1ty tl1::: a::count a1d SDe::1ty wfw t he
des::r ibe whnl you :)elieve is w1w1g ;,iml w·1y y()u :n:>lieve ii is ;,i III sl,1k~i. inrm111,1li:m is ina::c.Jr;ilt1:
• Account lnformatiori: Yu.Jr n<1rrti:l <111d otCC:JJlll ·1umb1:ir
You ·11ust cu1 1!;:r:.:t us wilh ir 1bO d;;,ys ;:rtt::1 tl11:! P.11:.,1 ::IIJV'-!i:t'P.d L''t )'ll..11 • Cuntact Info rmation: You· o::ddr~ss .:111d tel~Jh;;,11~ r1u·11b~r
stat:;!m~nt . Ycu must 1ot1ty LIS ::it ::1ny potc1t 1:'.r I errors 1n 1vfltme. Ycu may • Disputed l11fur111atiu11: li:ti:ntity thIJ b~lie\'!c' I is i·1;,ic ::ur:-t!e
;,iml pu ·nny hnve ln p;iy Lli~ ;ir11:)u11! i11 qu~sl io;1
• Supporting Documentation: II avaI able, pw1dc a coP, ot the scct101 or
Whi h w:~ i "IV(?sl ig.ilL111t i1ilor111i::lt i:.»1 p u c:11~ :lis~u t i11!:l,
i::IIP, !1.It':
\ 11.'e 'i fill invcsl ig;itc he disp,Jtcxi inlorm;ition ;,imi r:!p:>rl lhc m;;.1 lls 1:-i y11.J
• We u m nol I)• 1ocollecl 1·1e .i·no1nl i·1 :11Jest ion, :ir r:~pwt you ;,is
witt1i ·1 :io ::lays ul rt:cl:l:ipt ul thl:l: ·1tu1111c1t 01 111!:l:edi::d ti.Ir :;,u1 i11•;1;:st i~atiln . It
delinqu~r1l rn1 l·1;.il ;niornl.
we finrl lh ,tl th~1 ;i::ro1mt inforrn;it ion ',ii() rerorl:~d is innc:-:tH;ik, wr- will
• l hl:l: :.:t-1:11~;e ir1 ljul:l:sliun llli::IV re·nc1i-r or1)':JUI s.li::ll e1nenl, <1rrJ Wl:l md)' ;;,ru·11:Jtly pv,,i:::le t h1;: t1!:l:C!::!::i:xt1y L:u1ra:!diL1·1b !::!::tL:h :.:u·1::;u·r11;:1 ·e~1u1 tnt:
i..:011t ·1ul:l: t;;, ;,:h:irt;e )'JU il1t;:?r1;:st 011 t1c1t ,::1·11uLn t . I.Lit . it W"J. d1;:ts!:1111ii11;: t1c:1t .ig:~n:-:y to ·w1ic h we: -eporl :)rl 1he inform;1t i:)n .
WI:! ·11i:1d1~ i:i mistd{:.!, )'Oll wi ll 11ot hc1ve t~1 µ_1y thu11t ir1 ql1;:?:;tilr1 Jr
any 111tcrcst or other tees -cl atc1 to that a11ount . PAYMENTS MARKED "PAID IN FULL". All written i.:u11n1.1r1 i.::tt i:.m:,:
·eg<1rd i11!{ d isputed amounts \"'lat ind .Jdl:l: :111y :.:lln . IX l'.:IJ'Jf.J.
• We c:;111 i:l:Jµ I;· .:111)· u·1µ:1i:J a;nou·11 ctg;;,i ·1sl vour cre:Jil lirniL
UO NO i US:. I H:. I:. \JC..:LUS:.J li:.MII II\NCt:. l:.NVt:._:J 't.
Yo11r Rights If You Are Dissatisfied With Your Credit Card Purchases Wl:l: 1m~y :1ct:ll ·1i:we pu-chased OU' flgllts,
with you' c-e11t :::a'd, and you l1avc 1-1ed 111 g::>od t:11th to correct the - \Jo :.ic1yrc1~r1t sh.:111 ;;,µ~1;,ilt,! c1s eir1 c1ccurd i:1·1d ::.:1t isl otct 011 without ;;,ri:.ir
pr:,b!ern wiU1 [·1e me-rd1c1nl. vu.1111;.iy t1.:1ve 1·1e ril",hl ·m l l u p::ty llrur:::hasc, CUSTOMER SERVICE_ Vi">itcomenity.riet/ave-nueur c ctll 1800 967 1398
Io usa:! this t it_:ht, c1I I ut tt1s:: t:Jlluwi ·o_; r11ust t11~ t · uB; :TDDITTY l 800 695 178.B)
l . Th~ p.m:hnse must h;ive b~e·1 rri;i:I~ ir1 )•!J.H hmm: sl ;.ile or .,...i1t1i·1 ]JO TELEPHONE MONITORING. IL1µ1;;,vi1fa yllu with llit,:h-quc1I ty S!;:tvil:r.? .
111 les vt ~·ou1 cu·1e11t ·11<.tili ·1i_: 11jd1~:;s. ,:n1j t he pu1:.:l1::1:;,~ u1L:e r11u:;t ll;:r'!e :;,l1;;,11:::,, :.:u·1r11u1 riL;c1tiu11 with .1:; is 1r101 1ilu11:!d c11111/Jr 1~L:u1d1~1.
bci:?;1 rnor~ than $ W. ( Note: Ne 1tl1cr ot these 1s necessay 1t ycur pu-chasc
•r1t1s )dsd v1 1c1·1 :rd'Je1ti~111:::r1twe 111aile1j to
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 BENARDITA D ELOBT; PRAYER AMT: $1,755.59 and DOES 1 through 10, inclusive LIMITED 13 Defendant. 14 MIDLAND CREDIT MANAGEMENT, INC., ("Plaintiff"), by counsel, sues BENARDITA D ELOBT, 15 (“Defendant”) 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.: 23-82821 SCP 1 5. Defendant established a credit account (the “Account”) with COMENITY BANK. The 2 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 balance due. 3 Defendant failed to make the required payments and subsequently defaulted on the 4 Account on October 17, 2021. Thereafter, Plaintiff was assigned all rights, title, and 5 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 BANK, to Plaintiff. The Account was purchased by 8 Plaintiff on April 25, 2022. 9 7. The Account balance at the time of charge-off was $1,755.59. Plaintiff alleges that the date of default is October 17, 2021 and the date of the last payment was August 17, 10 2021. 11 8. The name of the charge-off creditor at the time of charge-off is COMENITY BANK. The 12 address utilized by COMENITY BANK at the time of charge-off was ONE RIGHTER 13 PARKWAY SUITE 100 WILMINGTON,DE 19803. At the time of charge off, the 14 account number associated with the debt was XXXXXXXXXX-XX-5557. 15 9. The name of the debtor as it appeared in the records of COMENITY BANK is 16 BENARDITA D ELOBT and the last known address as it appeared in the records of 17 COMENITY BANK is 14744 WASHINGTON AVE APT 140 SAN LEANDRO CA 94578. 18 10. The name and address of all post charge-off purchasers of the debt are as follows: 19 Name Address 20 MIDLAND CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN INC. DIEGO CA 92108 21 22 11. Plaintiff has complied with the provisions of CA CIVIL §1788.52. Plaintiff informed 23 Defendant of the assignment of the Account. 24 12 Pursuant to CA CIVIL §1788.58(b), attached as Exhibit B is a true and correct copy of a monthly statement recording a purchase transaction, payment, or balance transfer while 25 the Account was active as required by CA CIVIL §1788.52(b). 26 13. Attached as Exhibit C is a true and correct copy of a billing statement that was mailed to 27 Defendant stating the balance due on the Account at or around the time of charge-off. 28 -2- COMPLAINT CA_0132G File No.: 23-82821 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 BANK. 18 Defendant opened and derived benefit from the Account. By using the Account, 19 Defendant expressly or impliedly promised to repay COMENITY BANK. Within the 20 last four years, Defendant became indebted on the Account. 21 19. On the Account, a balance of $1,755.59 was stated to be due to COMENITY BANK 22 from Defendant. Plaintiff has no record of Defendant objecting to the balance due. 23 20. Before the commencement of this action, Plaintiff was assigned the Account and indebtedness. Plaintiff is now the sole owner of the Account. 24 21. Plaintiff has made a demand on Defendant for repayment of the Account, but Defendant 25 has failed to pay the balance due. 26 22. The current balance presently due and owing is $1,755.59 which includes payments, set- 27 offs, credits or allowances, if any, at or after charge-off. 28 -3- COMPLAINT CA_0132G File No.: 23-82821 SCP 1 2 WHEREFORE, Plaintiff requests judgment against Defendant for $1,755.59, 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.: 23-82821 SCP EXHrBITA BILL OF SALE Comenity Bank ("Seller"), for value 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 April 25, 2022 all rights, title and interest of Seller in and to those certain Accounts described in the Credit Card Account Purchase Agreement and Schedule l (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 terms 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. Midland Credit Management, Inc. By: /i)1tt..dll., }v(J~ Date: 11/1/2022 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 Account Purchase Agreement and Bill of Sale are described in the electronic file named MCMG HF APRIL 2022 DPL CB.TXT;MCMG HF APRIL 2022 LCS CB.TXT and delivered by- Comenity Bank- to Midland - Credit Management, Inc. on April 18, 2022 and summarized in the table immediately below (the "Sale File"). # of Charged-off Aggregate Unpaid Balance Percent File Creation Date Accounts 04/)5/2022 EXHIBITB CLOSING STATEMENT AGREEMENT DATE: October 25, 2019 SELLER: COMENlTY BANK PURCHASER: ·Midland Credit Management, Inc. MCMG_HF_APRIL_2022_DPL_CB.TXT; MCMG_HF_APR!L_2022_LCS_CB.TXT FILE NUMBER: NUMBER OF ACCOUNTS: TOTAL UNPAID BALANCE: PURCHASE PRICE PERCENTAGE: PURCHASE PRICE: FILE CREATION DATE: April 15, 2022 CLOSING DATE: April 25, 2022 WIRING INSTRUCT.ION PORTFOLIO LEVEL AFFIDAVIT OF SALE nv ORIGINAL C REDITOR STATEOF:UTAH COUNTY OF: SALT LAKE I. I am over 18 and I am the Chief Credit Officer of Comenity Bank ("Seller"). In that capacity and as part of my regular job duties, I have custody of ce11ain business records of Seller, routinely 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. I 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, infonnation, 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 hen:in. 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 04/25/2022 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 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, Iien, pledge, charge, claim or security interest. I 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 pa11y, they are records that were incorporated into the records of Seller as a business record and the accuracy of such records arc relied upon by Seller in the regular course of business. 7. I ce11ify under penalty of pe1:jury that the foregoing is true and correct. FURTHER AFFIANT SA YETH NOT. Signed this _Z-,5~ _ _ _ _day of May, 2022. ~ Bruce Bowman (APFJANT NAME) Comenity Bank Subscribed and sworn to before me this ~clday of May, 2022, by 't';,n 1c: e, :?xH.0M«-O , an employee of Comenity Bank IL Public ~ faiy ~~ tf' . JENNIFER PARDUE Notary Public - State of Utah comm. No. 718844 My commission EJr11s -7000 Other c-edits 0.00 Late paymenl warnlng: lfwe do not receive your minimum payment by 09/17/2021 you may Purchases 0.00 Other debits 0.00 have to pay up to a $40.00 late fee Fees charged 0.00 Minimum payment warning: If you make only the minimum Iritttrt>st chargt'd 27.86 payment fo• each period, you will pay mo'e in interest and it will take New balance $1,270.47 you longe' to pay off your balances . For example: Past due amount 0,00 If you mal paperless? Visitcomenity.netlavenue or ca ll 1-800-957- 1398 (TDD/TTY 1-800-595- l 788). Sk ip s ign ing h to pay an1 J Se Cornenit y's lasyl-'ay_ It's s.ate and conv~nie1t. Use your srnartpho·1e carne-::1 or code reader to sca n the U.k : ode :,rinted o ri your payrne1t stub :::.e low to get st::irted. ~ Platinum Select Rewards All Avenue Cardholders Register for Account Center at now receive rewards'" comenity.net/avenue' Receive 1 Point For Every Dollar Spent! Points will expire after 12 months" " This rewards program is provided by Avenue. and its terms may change at any time. For Full Rewards Terms and Conditions, please see comenity.net/avenue. Details of your transactIons TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT 08/17/2021 PAYMENT -THANK YOU -70.00 Total fees charged for this period $0.00 Interest charged Interest charge on purchases $27.B6 Total interest for this period $27.B6 __ __ _ _ ___ _ __ _ __ _ ___ _ __ _ _____ _ __ _ \JOTl::::E: See -averse side for imp:>'ta1t info•mation___ __ ___ _ __ __ _ _ __ _ _______________ _ ____ _ _ Please tear at perforati o n above Accou1t mmber avenue.self \Jew balance- $1 270-47 I Minimum payment $70,00 99 3 Mailed payments must reach us by 6pm ET □ Yes, .1 h(1Vt: movt:d v r upcltttt:d my Amount on 09/17/2021. e-mail address - see reverse. enclond: $ Please make check payable to COMENITY - AVENUE 1I1111 11 1•11111111' I' 1 II Illll 111 111I1111111 11,111 I11111 1I 11• 111 11 Please return this portion along with your payment to: BENARDITA D ELOBT 14744 WASHINGTON AVE APT 140 PO BOX 650960 SAN LEANDRO CA 94578-4238 DALLAS TX 75265-0960 •1•111 11111•1111111 11111 11 11 11 •1111 111 11 1111 11 11111 1•11 1111 11 111 1 03605015 00026456 4065 000007000 000127047 Keeµ this µurtiu11 fur yuLH n:c.:ords. CREDIT REPORTING. We m;,iy n?port inf:>rrn<.1li1r1 ;ibo11t pur n::rn1nt l :i Whar To Do If You Thfok Yo11 rind A Mistakt On Your Stc1temenr credi t bu-eaus. Late r ayrn:!nts, rniss:!d r aym:!nl s, or other dcfau ts on your c1c:.:uur1t 111c1y ~ 1etle;;ted ·1yuu· ;;,edit 1!:!µ:.i1 t t yo,1 think ther:: 1s an c" or on your statc11cnt, write to us at: c;::,men 1ty :3,n k ->Q :3uK 182/82. ;:.:,lu111bus. Ohio 4321!:!. 2/82. NOTICE OF CREDIT REPORT DISPUTES r1 p ur leller, g ive us l h~ r:)llowir1g nlrnm;ilion: II you h~lieve L11~ .-1::counl inlorm;il ior1we ·eporl ~d lo a cor1surr1~r r~p:)r l ing • Al 'IXJtml i ;ifu rm:1f i '.m: You· 11:;,ime :-trd c1c:.:0Jr1L 1u111h:,:r ac~ncy rs , ac::uratP., you m'JY subm t a d1'C:::t ::l1s:iutc to :;c,n'.!rnty U.a1k I'll • Vu/fifr ifm:.Jun(: I 11e dulli::11 <1111u.mt ol \~1e susµe:.:ted ~11ur. Box l B:?789. C:olumhus, Oh o 4,i ~18 2789. YO!r wr ill.m1& ;.pul ~ rnusl • Vt1!>crf, /tiuu 1.1f Pr'..lb fttm: II yu u thi11{ t1e·1;: b :m !:!11u· ur1 )'LI.II tii ll. ::>rc,v1dc sJtt1::1ent 111tornat1cn t:i 1i:t e1t1ty tl1:::: a:::count a1d SDe::1ty wfw t he des::r ibe whnl you :)elieve is w1w1g ;,iml w·1y y()u :n:>lieve ii is ;,i III sl,1k~i. infom1:ili:m is ina::c .Jr;ile : • Account lnformatiori: Yu.Jr n<1rrtl:l <111d otcr,::.: uril ·1umber You ·11ust cu11!;:r:.:t us wilh ir 1bO d;;,ys ;:rtt::1 tl11:! P.11:.,1 ::IIJV'-!i:t'P.d L''t )'ll..11 • Cllntact Informat ion: You· o::ddre::;.s .:111d tele:.ih;;,11e r1u·11ber stat:;!m~nt . Ycu must 1ot1ty LIS ::it ::1ny potc1t 1:'.r I errors 1n 1vfltme. Ycu may • Disputed l11fur111atiu11: li:l i:ntity thIJ b~lie\'!c' I is i·1;,ic ::ur:-tl e ;,iml p u ·nny hnve ln p;iy Lli~ ;ir11:)u11! i11 qu~sl io;1 • Supporting Documentation: II avaI able, pw 1dc a coP, ot t he scct101 or Whi h w:~ i "IV(?sl ig.il rl lhc m;.;.1 lls 1:-i y11.J • We u mnol I)• 1ocollecl 1·1e .i·no1n l i·1 :11Jest ion, :ir r:~pw t you ;,is witt1i·1:io Jc1ys ul rt:cl:lipt ul the ·1tu11111:1 t u1 1r1l:ledi::d ti.Ir :;,u1 i11•;1;::;l i~atiln . It delinqu~r1l rn1 l·1;.il ;niornl. we finrl lh ,tl th~1 ;i::ro1m t inforrn;it ion ',ii() re rorl:~d is inncr.ur;ik, wr- will • l hl:l: :.:t-1:11~;e ir1 ljul:l:sliun llli::IV re·nc1i-r or1)':JUI s.li::ll e1nenl, <1rrJ Wl:l m d)' ;;,ru·11:Jtly pv,, i:::le t h1;: rr;.:.r.;e:;:x11y l:u1ra:!dil 1·1b e::1L:h :.:u·1:;u·r11;:1 ·1::~1u1 tnt: i..:011t ·1ul:l: t;;, ;,:h:1rt;e )'JU il1t;:?r1;:st 011 t 1c1t ,: 1 ·11uLn t . I.Lit . it W"J. d1;:t;:?1111ii11;: t1c1t .ig:~nr.y to ·w1ic h we: -eporl :)rl 1he inform;1t i:>n . WI:! ·11i:1dt~ i:i mistd{:;!, )'Oll wi ll 11ot hc1ve t~1 µ_1y the! c:1 111:)Ullt ir1 ql1;:?::;.! ilr1 :)! any 111tcrcst or other tees 'Cl ate1 to that a11ount . PAYMENTS MARKED "PAID IN FULL". All written i.:u11n1.1r1 i.::tl iJ11s ·eg<1rd i11!{ d isputed amounts \"'lat ind Jdl:l: :111y :.:lleck ur other ;Ja)•111;;,r1t • W11le ~ou do not have to [)ay th~ am::iunt 111 riu~st1on, y::,u ar~ r~srons1:;,le mstrum~nt marked w t h "p;,yment in tu II" o· 51111 11a' l:mguage, must t,e s~nt for 1·1e re·nni ·1d~r :)r yo.Jr b;i ;me~ to; !UJO W. Mockingbird Lane, Su le W:J, Llalla5, IX /tii 1l / . • We c:;111 i:liJIJI;· i:111)' u·1µ:1i:J i:lirlOU"l l ctgi:li "ISI vo ur cre:Jil lirniL UO NO i US:. I H:. t:.~C-LOS:.J li:.MII I/\NCl:. l:.Nl/1:._:J ' !:.. Yo11r Rights If You Are Dissatisfied With Your Credit Card Purchases Wl:l trldy at:c;;i:v t IJ<:1f•m1:mt s.1::·1t t:J ::1r1y :;,lt-tl:l:! :1d1r~:;5 witt·1uut !usin~; any ul f i'U.1 <:rre :Ji::;s.alislied 1•1 l h Lire 11,:;,ud::; ur services Lhal )';.>U ·1i:we pu-chased OU' flgllts, with you' c-e11t ::a'd, and you l1avc 1-1cd 111 g::>od t:11th to correct the - \Jo :.ic1yrc1~r1t sh.:111 ;;,p~1ate c1:,; eir1 c1ci;urd a·1d s.:1t i:;l ,1<.:t 011 without ;;,ri:.:ir pr:,b!ern wiU1 [·1e me-rd1c1nl. vu .1111;.iy t1.:1ve 1·1e ril",hl ·ml l u p:l'f llritcomenity.riet/ave-nueur ce:tll 1800 967 1398 Io u::;.;:? this t it_:ht, c1I I ut tt1s:: t:Jlluwi ·o_; r11ust t11~ t · uB; :TDDITTY l 800 695 178.B) l . Th~ p.m:hnse must h;ive b~e·1 rri;i:I~ ir1 )•!J.H hmm: sl ;.ile or .,...i1t1i·1 ]JO TELEPHONE MONITORING. IL1µ1;;,vi1fa yllu with llit,:h-quc1I ty 'S!;:t v il:r.? . 111 les ut ~·ou1 cu·1e11t ·11<.tili ·1i_: 11jd1~:;s. ,:n1j t he pu1:.:l1::1:;,~ :.i1L:e r11u:;t lli:t'!B :;,l1;;,11:: :.:u·1r11u1 riL;1:1 t iu11 with .1:; is 1r101 1ilu11:!d c11111/Jr 1~L:u1d1~1. bc1n rnor~ than $ W. ( Note: Ne1tl1cr ot t hese 1s necessay 1t ycur pu-chasc •r,c1s ::ic:isd u1 1c1·1 :rd'Je1tiS(:!111:::r1t w~ 111aile1j to yuJ , u1 1t w~ uw11 h i:: t.:l 1111:.ic1I1y ADDITIONAL INFORMATION. T1r fnlln.;:ing dr.-,;ign;il ir.n"', wh~n ;3ppi!~ring l hstl sold p u 1·1e !,;O:>d;;. :u ;;.e'v c~s.) on th::: 1n nt ol· y:::,ur statement. rn~a·1 tt1c lo lowing: V means variable rate :t1b 1i::1l e rue:ty •,.:11y); WV I\J I ->AY H::) ,11e.:111s WA VL INI _!{LS I, 1-'AYMLN I ? . Y11.J musl ·1;,i•.<:~ usr)d yru r ::11)dil c;inl for t 'u) p11rch;is(1. , urr. ·1;,is::s m~dr) ll l:.t1Ullil:.l.>; WV IN I I:.(! l'Y me~n5 Wl\11/1:. !NI :.111:.$1, t:.:JJ/\L l'AYMl:.N I ; WV with L:c1~h c1d~•1rr~:1;:s ! 10111 c111 A.I M ut wit1 <1 che~:k th1t i::IL:c:::,,:;s~:; your credit IN I LOW 1-'Vl I r11ec111'd. WAIVL IN I U i'.LS I . L:JW 1-'AYMLN I : Dl IN I 1-'Y HU ::.ird ctcc:)tml d o no! ,p;,ilify. 11cans DE=-u INE nE5T, r1WME\JT R:.t)UIR:.D: DEF INT :,Q "'Y rnc,c1ns. 3 . Yo.J must 1ot yct have tully pa id t::,' th::: ru rchasc. DLI LH: IN I L , _s,. LUUAL 1-'An l L \JI; l.ll I\J I _ow 1-'M l lrl!:!i:1·1~ DLI LH INTF"FST, I OW P1\YVIF\JT ,1ml I OWA, R Fl) P1\Y -r1(~;ins I OW 1\PR:, FL) IJA tall ::it the cn tena abLWC arc met a1d y:::,u ar:: s.11 I d1ss:1t 1st 1::d with the 1-'AYr,JlLNI lt yL1u ha1m c1 vc11 c1ble 1c1t1;: <1ct.:l1u·1t . p u1 ;;,1;:;iudi;,: r;1tes ·11<1}' \' t1· ~· - pu-chas.e, : 01tact JS rn wntror;al: t:::i111c11ty l:l:mk ->[J l:l::>x 182/~2. Yru rn;iy pay ,11 o f your Acco.ml :);,i!~·1r:c ;ii ;,iny 1im r- wi!hout p:m;1l!y. :;01umtus, ~)1110 •132H:!--2/~2. Send all inquiries lo: CUSTOMER SERVICE, PO Box.182273, Columbus Wl1il:::,, w;,:. i w1;:st iuc1te, tlH ~c1·11i:: rul,:::; :tµµly tu t1e di:;.put1;:d 1.n11.1!Jr1t <1s Ohio 4:1;c:1l>-2,n . :liscu;;.s,d ;,J j )OVP., Arl m W.": ri·1is.tr our inv~sli!5..ill ion, WI~ will lell y:)lJ OIJI 1,::t.:isi:Jrr . A.I tt1::1t pu ·1! , it w~ tl1ir1k ytu J'A'P, en :111n.•J11t c111d yuu 1o 11ut :.ic1y Serad all bankruptcy notices a11d related correspondence to Come11ity Ba11k, w~) 111,1y rP.D(HI you ns dd inq.Je·11. Bankruptcy Departmerit, PO Box 182 125. Columbus. Ohio43218-2 125. HOW TO AVOID PAYING INTEREST. YLut Ju1;: d1t1;: i:; :1t l1;:.:1st 2'~1 d:tys c1tt:::,,r NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you p1:)'lid~ ,1 tl1a:! c lo:;e l+t 1::c1ch ::iill i11~~ q •:..:ll:l:. We wi I 11uti_:hc11~e yuu il1t1;:1;.:.:;t u·1µuTh<1se'd. c:h,~ck ::ts p;1ym(m !, you ~ul h:H i, e u;;. :~ii hm lo .Jsci irrf:>rmal i,n fr:)m yo.Jr f rou pay your entire bal:m::::e by lhc due :.fate :!ach rno·1th. We will :::,egh l o ch1;:,:.:k t:J 1r1;1k1;: c1 l r 11;:-lir111:~ e:l: d 1u11il: tl111::l trc1;1'd.ta:!r t1:.>111 yl,.11 :1l:L:our 1t l •· tu ;;h<:q ;,:: ir1t;.:.r1;:~t 011 ·11::w µu1cha-:,:es 1r1<1J!:! u·,d:::r :t Lu1•1 Al-'~ . Lqu::11 1-'c1y·111::at >roc,i ,;s 1·1e p,1y1rn-: nl ;,is ;i ch,i::k l r~·1s;i::l i:m . Whf1r1 'Mi .JS{? ir1brm;,il i!n rr:>m :1r =:u:lg:~I P,1yrnent r:-c::li l , Ian r-orn lie dal r.- :if pwc:h;i;,c. ~·uu1 ch!:!:.:k tu 111':lkt:' c11 1el:d101 1ic l u11::l tra11st:.!1. I .1111-s 111c1y tit:' withd1::1'A't1 f · o m y()tJr ;,ic::ou·11 ;is soon unt tor ea:::11 day in t he ::>11 I 1g cy:::I:::: , l o get the "da1'f :::,ala1ce·' w:::: l a(e l he be~;i1111ir1g lx!lc1r1ce :.;,f yuu1 :1cc.:Jur1t e.:1:.:h dc11•, adJ .:1r1y new ru-chases and tees. and subtract :my r:iy11ents or cr::::d ts a rcatrng any net :.:1edit balance ;;,s i::l t.e·o ::iala·1t.:eJ. I his J-;ives us !he di::li ,. oala·1ce. PAYMENTS. , ,i~• p ur Ac::01n l by l he p;,iyrnenl dw~dnl ~ b;• l he l im~ li,;led h~ l()W. I[ we :lo nol ·ec~iv~) your :);iyrm:nl ir1 ;,i co rrP.c l lorm;il (oul l ine:l :)P.bw) il 111:1y 11:Jt tie c.:1~d teJ tu youi AJ:. :.:u.1r1t tu1 u:.i b ti•,e dc:1}1 ::i, 01 1r1<1y tie 1ejlc!:.;te1:t. Al::io. youi p:t~·111~r1l ·11u:;t 1e.:1d1 .1<; by tl1~ µc1yr11l:l11t cub tt ti ·11e the:tt ,t:;,µlies tu tl1l:l p<1}'r11e·1t 111etllod p u s=l~d . Correct Format. l,orr~[t forrn;it· for rliff~rent p=iy1"1,~nl mr!l1orls ind ..1rl~ Mailirrg or Ov~mighr: ~end a r c-rso1al che:::k, money o·de·, t rilveler's che~k or :::ash1er's c.heck rayabl:: U.~. dol lar5, lo t he na11e aid a::td·es5 51own 01 1, l his Sl.:1l!!'rne·1t ·1 Lhe µ.:1~r11e11L sl ub etr!J•fided wil·1YU.JI Sl ale111er1L, send :;,r1e p;;,y111e·11 wilh !.)"le pay11ent s!Jband d::> nots::n::l a1y correspondence w1t11 yo.Jr payrnc1t . YoJ s.h::iuld o'/ernight a p:iy11cnt to l JlO W. Mock ngo1rd La1e, Suite lUU, Jal las, IX / ~1l 1l / and tl1:: :id11t 1::ir1::1I format requIre11ents ar:: the sc1mc as ot her 1la1l::::d :::,aym::::nts unless t her:: 1s a ,j 1spute, in wh ch case you tollow the l-'ay1lents \hr1<.e J "1-"a 1d n I LI r· section above. I.);) not send casl1 or c11t ccrt1t 1cat-2s. Pay By P11011e: Yo.1 c a1 cal u 5 t::ill tree at 1-1;:JJ-Yb/-U Y8 ( I l.>l); 11Y l -8UO-bY~1-l /88} tu 111::1k1~ d pc.1y1111:!11t ::>y t~li::Jl1;;,r1a:!, whi:.:h 111;:ry i'lduj~ d foe , 011/i,re: Y:.,u c::111 111;:rk.e :t µ<1y·111.m t :.irrl11 1::: ::1t Gu1mmity .m;t/e1ve1mi;, Pay1rn:r1t Cutoff Ti111l!s. 1-':1y-r1P.1 rt L:.Jtutt t i111~:;(d::wjli·1es tu1 .1:; tu 1e<.:::i'lle 1,Hy·11P.11ts c11:: t1y t h1;: 1jll,;! d1:1t ~ 011 h is St.:1t1;:111(:!11t hr the: µ:iy-111;:11! :;t.1b c11:::a i::ll th::: tul uw ·1t; t i1r1e:;: M<1ilirtr ar1rlO~mig hr; tj.y 6 :0U µ111 L1:1ste111 !h11:: ( LI ); PqBy Prime; tj.;, O;UO µ111 ;L I}; Onlirre; Jy b::JO µ111 (LI). New lnformalion litle (optional) _ _ _ _ First Name _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Ml _ _ _ __ Last Name _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ Soc. Sec. No. _ _ _ _ __ __ Street Address _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ Apt. No. _ __ _ _ _ __ _ RR _ _ _ _ _ _ _ _ _ PO Box _ _ _ __ _ _ _ _ __ Coty _ _ _ _ _ _ _ _ _ _ _ St at e _ _ _ _ _ Zip Code _ _ _ _ Fore,gn Map Code _ _ __ Home Phone Worit dut' $650.00 Prt!viuu:s balar1ct' $1,679.41 Payme11t due date 04/17/2022 Paymt>r11s 0.00 Other c-edits 0.00 Late paymenl warnlng: lfwe do not receive your minimum payment by 04/17/2022 you may Purchases 0.00 have to pay up to a $40.00 late fee Other debits 0.00 Fees charged 40.00 Minimum payment warning: If you make only tt1e minimum Iritttrt>st chargt!d 36.18 payment fo• each period, you will pay mo·e in interest and it will take New balance $1,755.59 you longe· to pay off your balances . For example: Past due amount 555,00 If you mal EasyPay. It's s.afe and corwen ie1t Use your srnartpho1e came"a or code reader to scan the QR code orinted on yo ur payn,e ot stu b oe low to get started, Details of your transactions TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT Fees 03/17/2022 LATE FEE 40.00 Total fees charged for this period $40.00 Interest charged Interest charge on purchases $36,18 Total interest for this period $36.18 2022 totals year to date Total fe~s charg~d i11 2022 $120.00 Total interest charged i11 2022 $100.46 Interest char e calculation Your Armual Pe-r;entage Rate (APR) is the annual interest -ate ori your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your c redit card agreement TYPE OF BALANCE SUBJECT INTEREST BALANCE APR TO INTEREST RATE CHARGE Purchases 24_9900% ;vJ 1,704.53 36.18 Add1tIonal important messages IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this statsment bsfore the snd of this month. If you are not able to pay the Minimum Payment amount, we w ill still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089 (TDD/TTY 1-800-695-1 788) and we will find a suitable payment before the end of this month. If written off, (~ O'Jn \IUEJ ) _ _ ______________________________ \JOTl::::E: See -everse side for impo'ta1t info•mation______________ _ __ _ __________ _ __________ _ Please tear al perfo rati o n above Accou1t mmber avenue.self \Jew balance- $1 755_59 I Minimum payment $650,00 99 4 Mailed payments must reach us by 6pm ET □ Yes, .1h(:lv~ mov~d vr upcl1:tt ~d my Amount on 04/17/2022. e-mail address - see reverse. enclosed: $ Please make check payable to COMEN ITY • AVENUE 111 11111111'•·111il 11 1lil11 1•1P1111l1lll11ll,,1,lll 1l1l 1l1 1lll,I Please return this portion along with your payment to: BENARDITA D ELOBT 14744 WASHINGTON AVE APT 140 PO BOX 650960 SAN LEANDRO CA 94578-4238 DALLAS TX 75265-0960 1l 111 l'l'l 11111 1•11l•l 11111 111 •11 111 11111 111 llll 1••111 1111 11l•l1 1 03605015 00007295 5557 000065000 000175559 Keeµ this µurtiu11 fur yuLH n:c.:ords. CREDIT REPORTING. We m;,iy n?port inf:>rrn<.1l i1r1 ;ibo11t pur n::rn1n t l:i Whar To Do If You Thfok Yo11 rind A Mistakt On Your Stc1temenr credi t bu-eaus. Late r ayrn::-nts, rniss:-d r aym:::-nls, or other dcfau ts on your c1c:.:uur1t 111c1y ~ 1!::!tle;;ted ·1yuu· ;;,edit 1!:!µ;.11 t t yo,1 think ther:: 1s an c" or on your statc11cnt, write to us at: c;::,men 1ty :3,n k ->Q :3uK 182/82. ;:.:,lu111bus. OH 432 18 2/82. NOTICE OF CREDIT REPORT DISPUTES r1 pur leller, g ive us l h~ r:)llowir1g nlrnm;ilion: II you h~lieve L11~ .-1::counl inlorm;il ior1we ·eporl ~d lo a cor1surr1~r r~p:)r l ing • Al 'IXJtml i ;ifurm:1fi'.m: You· 11:;,ime :-trd c1c:.:0Jr1L 1u111h:,:r ac~ncy rs , ac::uratP., you m'JY subm t a d1-c::t ::l1s:iutc to :;c,n '.!rnty U.a,k I'll • Vu/fifr ifm:.Jun(: I 11e dulli::11 i::lllllJ.mt ol \~1e susµe:.:ted ~11ur. Box lB:?789. C:olumhus, OH 43? 18 ?7~9. 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Ycu may • Disputed l11fur111atiu11: li:ti:ntity thIJ b~lie\'!c' I is i·1;,ic ::ur:-t!e ;,iml pu ·nny hnve ln p;iy Lli~ ;ir11:)u11! i11 qu~sl io;1 • Supporting Documentation: II avaI able, pw1dc a coP, ot the scct101 or Whi h w:~ i "IV(?sl ig.ilL111t i1ilor111i::lt i:.»1 p u c:11~ :lis~u t i11!:l, i::IIP, !1.It': \ 11.'e 'i fill invcsl ig;itc he disp,Jtcxi inlorm;ition ;,imi r:!p:>rl lhc m;;.1 lls 1:-i y11.J • We u m nol I)• 1ocollecl 1·1e .i·no1nl i·1 :11Jest ion, :ir r:~pwt you ;,is witt1i ·1 :io ::lays ul rt:cl:l:ipt ul thl:l: ·1tu1111c1t 01 111!:l:edi::d ti.Ir :;,u1 i11•;1;:st i~atiln . It delinqu~r1l rn1 l·1;.il ;niornl. we finrl lh ,tl th~1 ;i::ro1mt inforrn;it ion ',ii() rerorl:~d is innc:-:tH;ik, wr- will • l hl:l: :.:t-1:11~;e ir1 ljul:l:sliun llli::IV re·nc1i-r or1)':JUI s.li::ll e1nenl, <1rrJ Wl:l md)' ;;,ru·11:Jtly pv,,i:::le t h1;: t1!:l:C!::!::i:xt1y L:u1ra:!diL1·1b !::!::tL:h :.:u·1::;u·r11;:1 ·e~1u1 tnt: i..:011t ·1ul:l: t;;, ;,:h:irt;e )'JU il1t;:?r1;:st 011 t1c1t ,::1·11uLn t . I.Lit . it W"J. d1;:ts!:1111ii11;: t1c:1t .ig:~n:-:y to ·w1ic h we: -eporl :)rl 1he inform;1t i:)n . WI:! ·11i:1d1~ i:i mistd{:.!, )'Oll wi ll 11ot hc1ve t~1 µ_1y thu11t ir1 ql1;:?:;tilr1 Jr any 111tcrcst or other tees -cl atc1 to that a11ount . PAYMENTS MARKED "PAID IN FULL". All written i.:u11n1.1r1 i.::tt i:.m:,: ·eg<1rd i11!{ d isputed amounts \"'lat ind .Jdl:l: :111y :.:lln . IX l'.:IJ'Jf.J. • We c:;111 i:l:Jµ I;· .:111)· u·1µ:1i:J a;nou·11 ctg;;,i ·1sl vour cre:Jil lirniL UO NO i US:. I H:. I:. \JC..:LUS:.J li:.MII II\NCt:. l:.NVt:._:J 't. Yo11r Rights If You Are Dissatisfied With Your Credit Card Purchases Wl:l: 1m~y :1ct:ll ·1i:we pu-chased OU' flgllts, with you' c-e11t :::a'd, and you l1avc 1-1ed 111 g::>od t:11th to correct the - \Jo :.ic1yrc1~r1t sh.:111 ;;,µ~1;,ilt,! c1s eir1 c1ccurd i:1·1d ::.:1t isl otct 011 without ;;,ri:.ir pr:,b!ern wiU1 [·1e me-rd1c1nl. vu.1111;.iy t1.:1ve 1·1e ril",hl ·m l l u p::ty llrur:::hasc, CUSTOMER SERVICE_ Vi">itcomenity.riet/ave-nueur c ctll 1800 967 1398 Io usa:! this t it_:ht, c1I I ut tt1s:: t:Jlluwi ·o_; r11ust t11~ t · uB; :TDDITTY l 800 695 178.B) l . Th~ p.m:hnse must h;ive b~e·1 rri;i:I~ ir1 )•!J.H hmm: sl ;.ile or .,...i1t1i·1 ]JO TELEPHONE MONITORING. IL1µ1;;,vi1fa yllu with llit,:h-quc1I ty S!;:tvil:r.? . 111 les vt ~·ou1 cu·1e11t ·11<.tili ·1i_: 11jd1~:;s. ,:n1j t he pu1:.:l1::1:;,~ u1L:e r11u:;t ll;:r'!e :;,l1;;,11:::,, :.:u·1r11u1 riL;c1tiu11 with .1:; is 1r101 1ilu11:!d c11111/Jr 1~L:u1d1~1. bci:?;1 rnor~ than $ W. 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