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Filing # 134386530 E-Filed 09/10/2021 03:57:31 PM
STATE OF FLORIDA
Midland Credit Management, Inc. IN THE COUNTY COURT IN AND FOR
CHARLOTTE COUNTY, FLORIDA
Plaintiff
~vs- Case Number 20000689CC
CARLINE PHANORD,
CERTIFICATION
Defendant(s)
Jessica Archer, whose business address is 16 McLeland Road Suite 101, St. Cloud, MN
56303, certifies and says
1 I am employed as a Legal Specialist and have access to pertinent account records for
Midland Credit Management, Inc. ("Plaintiff"). I am a competent person over eighteen
years of age, and make the statements herein based upon personal knowledge of those
account records maintained by Plaintiff. Plaintiff is the current owner of, and/or successor
to, the obligation sued upon, and was assigned all the rights, title and interest to Defendant's
SYNCHRONY BANK account [i (V(CM Number 302141904)
(hereinafter "the account").
2. Ihave access to and have reviewed the electronic records pertaining to the account
maintained by Plaintiff and am authorized to make this affidavit on Plaintiff's behalf. The
electronic records reviewed consist of data acquired from the seller or assignor when Plaintiff
purchased or was assigned the account, together with rerecords
‘ds generated by Plaintiff in — ——
-— ——-
connection with servicing the account since the date Pl
Plaintiff purchased or was assigned the
account. In addition, I reviewed the documents that are attached to this affidavit.
3 lam familiar with and trained on the manner and method by which Plaintiff creates and
maintains its business records pertaining to the Account. The records are kept in the regular
course of business. It was in the regular course of business for a person with knowledge of the
act or event recorded to make the record or data compilation, or for a person with knowledge
to transmit information thereof to be included in such record. In the regular course of business,
AFFIDAVIT OF JESSICA ARCHER - 1
IE AAA LEENA Aa HOME
3021419 005005471
the record or compilation is made at or near the time of the act or event by Plaintiff as a regular
practice.
4 Plaintiffs records show that Defendant(s) owed a balance of $4,064.15 as of 2020-11-23
5 Attached hereto are true and correct copies of the originals, being a reproduction from
Plaintiff's records regarding the account:
a. the Bill(s) of Sale, Assignment(s) and/or Affidavit(s) of Sale for the above-referenced
account by which Midland Credit Management, Inc. purchased or was assigned this
account on or about 2019-07-29,
that portion ofthe list of accounts referenced in the Bill(s) of Sale, Assignment(s) and/
or Affidavit(s) of Sale reflecting the individual account information provided by the
seller or assignor which shows:
i. the original account number Re
UL. the account balance at time of purchase or assignment:
iii. that SYNCHRONY BANK, the original creditor, charged off the account on
2019-06-30; and
¢. the statement or statements provided to Midland Credit Management, Inc. showing the
balance due on the account as of the date of the statement or closing date.
6 The account shows that the last payment posted to the account on 2019-03-07
7
The documents attached hereto are true and correct copies of the originals, being a
reproduction of Plaintiff's records, based upon-my review, except to-the extent-that-confidential ——- _—.
and privileged information and/or personal identifying information is omitted or redacted as
required by local rules, and applicable state and federal law.
LEFT BLANK INTENTIONALLY
AFFIDAVIT OF JESSICA ARCHER - 2
CETERA AERA EE AGL CUA EAL
AFFRECMEDIA 2005005471
I certify under penalty of perjury that the foregoing statements are true and correct.
DEC
24 2000
Date
Jessied Archer
STATE OF MINNESOTA
COUNTY OF STEARNS
Signed and sworn to (or affirmed) before me on DEC 21 2020 by Jessica Archer.
‘SANDRA RAE DEUTSCH
NOTARY PUBLIC.
LSS cons espe 0101205
FL109
AFFIDAVIT OF JESSICA ARCHER - 3
ONAL TEEN ENA LESTER AMOUR
302141904 AFFRECMEDIA 2005005471
al synchrony BANK
4125 Windward Plaza
Alpharetta, Ga..30005-8378
BILL of SALE
id = =
For value received and in further consideration of the mutual covenants and conditions set forth in the
Forward Flow Accounts Purchase Agreement (the “Agreement”), dated as of the 18 day of February, 2019 by
and between Synchrony Bank formerly known as GE Capital Retail Bank; RFS Holding, L.L.C.; and Retail
Finance Credit Services, LLC (collectively “Seller”) and Midland Credit Management, Inc. (“Buyer”), Seller
hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse
except as set forth in the Agreement, the Accounts as set forth in the Notification Files, delivered by Seller to
Buyer on or about July 20, 2019, and as further described in the Agreement. Capitalized terms not defined
herein shall have the definition ascribed in the Agreement.
With respect.to information for the Accounts summarized in the Notification Files, the Seller represents
and warrants to Buyer that (i) the Account information constitutes the Seller’s own business records and
accurately reflects in all material respects the information in the Seller’s database; (ii) the Account information
was kept in the regular course of business; (iii) the Account information was made at or near the time by, or
from information transmitted by, a person with knowledge of the data entered into and maintained in the
Account’s database; and (iv) it is the regular practice of the Seller’s business to maintain and compile such data.
Synchrony Bank Retail Finance Credit Services, LLC
Lynne Fisher Lynne Fisher
Biy-:kynne Fisher (2u126, 2019) — ——- By-rtynne fisher (24426, 2019) —_——_ --——
Lynne Fisher Lynne Fisher
Title: SVP Recovery Operations Title: Vice President
RFS Holding, LLC Midland Credit Management, Inc.
Lynne Fisher
kyane Fisher (Jul 26, 2019) By:Seeh ‘(ul 30, 201
Lynne Fisher Name: Sarah Cosgrave
Title: Duly Authorized Signatory Title: VP, Business Development
Purchase Price Reconciliation/Funding Instructions
July 22, 2019
To: Midland
This FORWARD FLOW ACCOUNTS PURCHASE AGREEMENT, is made this 18" day of
February, 2019 (the “ ff fective Dat
), by and between Synchrony Bank formerly known as GE
Capital Retail Bank; RFS Holding, L.L.C.; and Retail Finance Credit Services, LLC (collectively,
“Seller”) and Midland Credit Management, Inc. (“Buyer”) with reference to the following facts and
circumstances:
Portfolio RMS NG
Agcy Atty Code MUS
Total Number of Accounts Se
Outstanding Balances on Transfer Date eee
Cut-Off Date July 20, 2019
Transfer Date July 20, 2019
Purchase Price Factor
Purchase Price
O% Holdout
Amount of Wire transfer
Date of Funding: July 29, 2019
~
Bank: aaa
ABA No. Eas
Account No: aS
Account Holder:
Location:
id co senetense mec __ Field Data sven
Account Number _
Firstt Jame CARLINE
Last Name PHANORD
SSN
Date of Birth EERGREES
Address 1 289 BRASILIA ST
City PUNTA GORDA
State FL
Zip 33983-5537
Open Date 09/28/2012
Last Purchase Date 40/17/2018
Last Payment Date 03/07/2019
Last Payment Amount $260.00
Sale Amount $4,102.15
Charge Off Date 06/30/2019
Charge off Balance $4,102.15
Post Charge Off Interest $0.00
Post Charge off Fee $0.00
Post Charge off Payments and Crediis $0.00
Affinity WALMART
Alternate Account #1
Alternate Account #2 aa
Account information provided by Synchrony Bank formerly known as GE Capital Retail Bank
pursuant to the Bill of Sale/Assignment of Accounts transferred on or about 07/29/2019 in
connection with the sale of accounts fromm Synchrony Bank formerly known as GE Capital Retail
Bank to Midland Credit Management. Inc.
Midland (M11S)- PLCC Fresh - July 2019
Walmart® CARLINE PHANORD
Credit Card Account Number ending in Hi
‘Statement Closing Date 06/02/2019 Visit walmart.com/credit or Cail 1-800-641-4526
[Payments mus! be received by Spm ET on due daioit ~ R
| malted,of by 11:59pm ET an duo date for online and phono []
‘New Balance 34,064.15
payments ii Amount Past Due $895.00
1S ——. Total Minimum
Previous Balance as of 05/03/2019 ame Payment Due $1,059.00)
Fees Charged 438.00 Overtimit Amount $984.15
Interest Charges +85.30 Payment Due Date 08/25/2019)
‘New Balance as of 06/02/2019 $4,064.15
Credit Limit $3,100 Late Payment Warning:Ifwo do not receive your Total
‘Minimum Payment Duo by the Payment Oua Date fisted
Available Credit $0.00 ‘dove, you may have to pay a fate fee up to $38.00.
Cash Advance/Quick Cash Limit $620 ‘Minimum Payment Warning: If you meke onty the minimum
Available Cash $0.00 Payment each poriod, you will pay mora in interest and it wil
Statement Closing Date 06/02/2019 taka you fongar to pay off your blanca. For example:
Days in Billing Cycle a1 you make no. ‘You willpay off | And you will end
‘additional charges the balance up payingan
using this card shown on this estimated tote!
‘and each month statement in of
YOU pay ‘about...
‘Only the minimum 19 years $8,810.00
payment
tf you would like Information about credit counseling
‘services, call 1-877-302-8775.
CERES Renes cn SE
3% on Watmart.com $0.00
2% on Watmart & Murphy USA Fuel $0.00 Eam rewards on everyday
1% on Other Purchases $0.00 purchases with
your Walmart Credit Card!
Totat Reseemed this Statement $0.00 For information on earning and
fedeeming rewards, visit walmart comicreditogin
NOTICE: We may: your payment
into an. ic debit. See {or details, Biling Rights and other important
information.
sae wre a 22 190602 EXPAGE 1 of 3 912 3600 0216 OLENS404
Oetach and mail this portion with your chack. Do net Include any carrespondance with your check,
Account Number Ai
Ver Sama ‘Amount aa CT
ae Past Due 3 :
$1,059.00 "$895.00 0672572019, ‘$964.15 308415
Payment Enclosed:Please use
‘blue or black ink, socoo.oo
a i CN New address or emell? Print changos en back.
CARLINE PHANORD
289 BRASILIA ST
PUNTA GORDA Ft. 33983-5537 Make Payment To: WALMART/SYNCHRONY BANK
.0 BOX §30927
ATLANTA, GA 30353-0927
Walmart®
Credit Card CARLINE PHANORD
Account Number ending in a
‘Statement Closing Date 06/02/2019 Visit walmart.comicradit or Call 1-800-641-4526
Gis
Date Plan
Tran Post Transaction Reference # Description Type Amount
FEES
0525 5/25 (ATE FEE $98.00
TOTAL FEES FOR THIS PERIOD $38.00
INTEREST CHARGEO
osr02 INTEREST CHARGE ON PURCHASES $85.30
INTEREST CHARGE ON CASH
‘ADVANCES
TOTAL INTEREST FOR THIS PERIOD $85.30
EXERC Ee iz ena
Total Fees charged $228.00
‘Total interest changed $478.92
Total interast Paid $82.22
e Rate = Vertable rats.
fon] a fin
Rate Charge
Roguiar Purchases & Cash NA 25.15% (v) $3,992.91 $85.30
Advencos
iGanainagtan
trace annem
Please note that Cashior Checks and Loan Transfer Chocks aro not acceptable forms of tender when making your payment
in Som's Club® or Watmart®,
I
5408 aK a a2 90602 EXPAGE 2 of 3 M112 3600 0216 OLzNS«04
se
so
ae
5404 wr 2 a2 90602 2XPAGE 3 of 3 U2 3600 9215 O7ENSIO4
Preview
Filing # 134386530 E-Filed 09/10/2021 03:57:31 PM STATE OF FLORIDA Midland Credit Management, Inc. IN THE COUNTY COURT IN AND FOR CHARLOTTE COUNTY, FLORIDA Plaintiff ~vs- Case Number 20000689CC CARLINE PHANORD, CERTIFICATION Defendant(s) Jessica Archer, whose business address is 16 McLeland Road Suite 101, St. Cloud, MN 56303, certifies and says 1 I am employed as a Legal Specialist and have access to pertinent account records for Midland Credit Management, Inc. ("Plaintiff"). I am a competent person over eighteen years of age, and make the statements herein based upon personal knowledge of those account records maintained by Plaintiff. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all the rights, title and interest to Defendant's SYNCHRONY BANK account [i (V(CM Number 302141904) (hereinafter "the account"). 2. Ihave access to and have reviewed the electronic records pertaining to the account maintained by Plaintiff and am authorized to make this affidavit on Plaintiff's behalf. The electronic records reviewed consist of data acquired from the seller or assignor when Plaintiff purchased or was assigned the account, together with rerecords ‘ds generated by Plaintiff in — —— -— ——- connection with servicing the account since the date Pl Plaintiff purchased or was assigned the account. In addition, I reviewed the documents that are attached to this affidavit. 3 lam familiar with and trained on the manner and method by which Plaintiff creates and maintains its business records pertaining to the Account. The records are kept in the regular course of business. It was in the regular course of business for a person with knowledge of the act or event recorded to make the record or data compilation, or for a person with knowledge to transmit information thereof to be included in such record. In the regular course of business, AFFIDAVIT OF JESSICA ARCHER - 1 IE AAA LEENA Aa HOME 3021419 005005471 the record or compilation is made at or near the time of the act or event by Plaintiff as a regular practice. 4 Plaintiffs records show that Defendant(s) owed a balance of $4,064.15 as of 2020-11-23 5 Attached hereto are true and correct copies of the originals, being a reproduction from Plaintiff's records regarding the account: a. the Bill(s) of Sale, Assignment(s) and/or Affidavit(s) of Sale for the above-referenced account by which Midland Credit Management, Inc. purchased or was assigned this account on or about 2019-07-29, that portion ofthe list of accounts referenced in the Bill(s) of Sale, Assignment(s) and/ or Affidavit(s) of Sale reflecting the individual account information provided by the seller or assignor which shows: i. the original account number Re UL. the account balance at time of purchase or assignment: iii. that SYNCHRONY BANK, the original creditor, charged off the account on 2019-06-30; and ¢. the statement or statements provided to Midland Credit Management, Inc. showing the balance due on the account as of the date of the statement or closing date. 6 The account shows that the last payment posted to the account on 2019-03-07 7 The documents attached hereto are true and correct copies of the originals, being a reproduction of Plaintiff's records, based upon-my review, except to-the extent-that-confidential ——- _—. and privileged information and/or personal identifying information is omitted or redacted as required by local rules, and applicable state and federal law. LEFT BLANK INTENTIONALLY AFFIDAVIT OF JESSICA ARCHER - 2 CETERA AERA EE AGL CUA EAL AFFRECMEDIA 2005005471 I certify under penalty of perjury that the foregoing statements are true and correct. DEC 24 2000 Date Jessied Archer STATE OF MINNESOTA COUNTY OF STEARNS Signed and sworn to (or affirmed) before me on DEC 21 2020 by Jessica Archer. ‘SANDRA RAE DEUTSCH NOTARY PUBLIC. LSS cons espe 0101205 FL109 AFFIDAVIT OF JESSICA ARCHER - 3 ONAL TEEN ENA LESTER AMOUR 302141904 AFFRECMEDIA 2005005471 al synchrony BANK 4125 Windward Plaza Alpharetta, Ga..30005-8378 BILL of SALE id = = For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Accounts Purchase Agreement (the “Agreement”), dated as of the 18 day of February, 2019 by and between Synchrony Bank formerly known as GE Capital Retail Bank; RFS Holding, L.L.C.; and Retail Finance Credit Services, LLC (collectively “Seller”) and Midland Credit Management, Inc. (“Buyer”), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, the Accounts as set forth in the Notification Files, delivered by Seller to Buyer on or about July 20, 2019, and as further described in the Agreement. Capitalized terms not defined herein shall have the definition ascribed in the Agreement. With respect.to information for the Accounts summarized in the Notification Files, the Seller represents and warrants to Buyer that (i) the Account information constitutes the Seller’s own business records and accurately reflects in all material respects the information in the Seller’s database; (ii) the Account information was kept in the regular course of business; (iii) the Account information was made at or near the time by, or from information transmitted by, a person with knowledge of the data entered into and maintained in the Account’s database; and (iv) it is the regular practice of the Seller’s business to maintain and compile such data. Synchrony Bank Retail Finance Credit Services, LLC Lynne Fisher Lynne Fisher Biy-:kynne Fisher (2u126, 2019) — ——- By-rtynne fisher (24426, 2019) —_——_ --—— Lynne Fisher Lynne Fisher Title: SVP Recovery Operations Title: Vice President RFS Holding, LLC Midland Credit Management, Inc. Lynne Fisher kyane Fisher (Jul 26, 2019) By:Seeh ‘(ul 30, 201 Lynne Fisher Name: Sarah Cosgrave Title: Duly Authorized Signatory Title: VP, Business Development Purchase Price Reconciliation/Funding Instructions July 22, 2019 To: Midland This FORWARD FLOW ACCOUNTS PURCHASE AGREEMENT, is made this 18" day of February, 2019 (the “ ff fective Dat ), by and between Synchrony Bank formerly known as GE Capital Retail Bank; RFS Holding, L.L.C.; and Retail Finance Credit Services, LLC (collectively, “Seller”) and Midland Credit Management, Inc. (“Buyer”) with reference to the following facts and circumstances: Portfolio RMS NG Agcy Atty Code MUS Total Number of Accounts Se Outstanding Balances on Transfer Date eee Cut-Off Date July 20, 2019 Transfer Date July 20, 2019 Purchase Price Factor Purchase Price O% Holdout Amount of Wire transfer Date of Funding: July 29, 2019 ~ Bank: aaa ABA No. Eas Account No: aS Account Holder: Location: id co senetense mec __ Field Data sven Account Number _ Firstt Jame CARLINE Last Name PHANORD SSN Date of Birth EERGREES Address 1 289 BRASILIA ST City PUNTA GORDA State FL Zip 33983-5537 Open Date 09/28/2012 Last Purchase Date 40/17/2018 Last Payment Date 03/07/2019 Last Payment Amount $260.00 Sale Amount $4,102.15 Charge Off Date 06/30/2019 Charge off Balance $4,102.15 Post Charge Off Interest $0.00 Post Charge off Fee $0.00 Post Charge off Payments and Crediis $0.00 Affinity WALMART Alternate Account #1 Alternate Account #2 aa Account information provided by Synchrony Bank formerly known as GE Capital Retail Bank pursuant to the Bill of Sale/Assignment of Accounts transferred on or about 07/29/2019 in connection with the sale of accounts fromm Synchrony Bank formerly known as GE Capital Retail Bank to Midland Credit Management. Inc. Midland (M11S)- PLCC Fresh - July 2019 Walmart® CARLINE PHANORD Credit Card Account Number ending in Hi ‘Statement Closing Date 06/02/2019 Visit walmart.com/credit or Cail 1-800-641-4526 [Payments mus! be received by Spm ET on due daioit ~ R | malted,of by 11:59pm ET an duo date for online and phono [] ‘New Balance 34,064.15 payments ii Amount Past Due $895.00 1S ——. Total Minimum Previous Balance as of 05/03/2019 ame Payment Due $1,059.00) Fees Charged 438.00 Overtimit Amount $984.15 Interest Charges +85.30 Payment Due Date 08/25/2019) ‘New Balance as of 06/02/2019 $4,064.15 Credit Limit $3,100 Late Payment Warning:Ifwo do not receive your Total ‘Minimum Payment Duo by the Payment Oua Date fisted Available Credit $0.00 ‘dove, you may have to pay a fate fee up to $38.00. Cash Advance/Quick Cash Limit $620 ‘Minimum Payment Warning: If you meke onty the minimum Available Cash $0.00 Payment each poriod, you will pay mora in interest and it wil Statement Closing Date 06/02/2019 taka you fongar to pay off your blanca. For example: Days in Billing Cycle a1 you make no. ‘You willpay off | And you will end ‘additional charges the balance up payingan using this card shown on this estimated tote! ‘and each month statement in of YOU pay ‘about... ‘Only the minimum 19 years $8,810.00 payment tf you would like Information about credit counseling ‘services, call 1-877-302-8775. CERES Renes cn SE 3% on Watmart.com $0.00 2% on Watmart & Murphy USA Fuel $0.00 Eam rewards on everyday 1% on Other Purchases $0.00 purchases with your Walmart Credit Card! Totat Reseemed this Statement $0.00 For information on earning and fedeeming rewards, visit walmart comicreditogin NOTICE: We may: your payment into an. ic debit. See {or details, Biling Rights and other important information. sae wre a 22 190602 EXPAGE 1 of 3 912 3600 0216 OLENS404 Oetach and mail this portion with your chack. Do net Include any carrespondance with your check, Account Number Ai Ver Sama ‘Amount aa CT ae Past Due 3 : $1,059.00 "$895.00 0672572019, ‘$964.15 308415 Payment Enclosed:Please use ‘blue or black ink, socoo.oo a i CN New address or emell? Print changos en back. CARLINE PHANORD 289 BRASILIA ST PUNTA GORDA Ft. 33983-5537 Make Payment To: WALMART/SYNCHRONY BANK .0 BOX §30927 ATLANTA, GA 30353-0927 Walmart® Credit Card CARLINE PHANORD Account Number ending in a ‘Statement Closing Date 06/02/2019 Visit walmart.comicradit or Call 1-800-641-4526 Gis Date Plan Tran Post Transaction Reference # Description Type Amount FEES 0525 5/25 (ATE FEE $98.00 TOTAL FEES FOR THIS PERIOD $38.00 INTEREST CHARGEO osr02 INTEREST CHARGE ON PURCHASES $85.30 INTEREST CHARGE ON CASH ‘ADVANCES TOTAL INTEREST FOR THIS PERIOD $85.30 EXERC Ee iz ena Total Fees charged $228.00 ‘Total interest changed $478.92 Total interast Paid $82.22 e Rate = Vertable rats. fon] a fin Rate Charge Roguiar Purchases & Cash NA 25.15% (v) $3,992.91 $85.30 Advencos iGanainagtan trace annem Please note that Cashior Checks and Loan Transfer Chocks aro not acceptable forms of tender when making your payment in Som's Club® or Watmart®, I 5408 aK a a2 90602 EXPAGE 2 of 3 M112 3600 0216 OLzNS«04 se so ae 5404 wr 2 a2 90602 2XPAGE 3 of 3 U2 3600 9215 O7ENSIO4