Preview
FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 09:23 AM INDEX NO. EK12020001138
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
SELLER Account Itemization
Account Number 005856375157696550
Original Creditor Comenity Bank f/k/a World Financial Network Bank
Borrower's Full Name Kristin McChesney
Client's Name VICTORIA'S SECRET
Origination Date 5/17/2015
Last Payment Date 5/18/2018
Last Payment Amount $82
Charge Off Date 1/31/2019
Charge Off Balance $993.08
Total of Post Charge Off Interest $0
at time of sale
Total Post Charge Off Fees $0
and Charges at time of sale
Total Post Charge Off Credits $0
at time of sale
Total Post Charge Off $0
Payments at time of sale
Buyer name Sherman Originator III LLC
Sale Date 2/20/2019
Balance at time of Sale $993.08
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FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 09:23 AM INDEX NO. EK12020001138
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
EXHIBIT I
NY AFFIDAVIT
AFFIDAVIT OF FACTS AND SALE OF ACCOUNT BY ORIGINAL CREDITOR
(Debt Buyer Actions)
The undersigned, being duly sworn, deposes and says:
1. I am a/an employee of Comenity Servicing LLC, the affiliate servicer for Comenity Bank
(“Original Creditor”), and I have personal knowledge of and access to Original Creditor’s books
and records (“Business Records”), including electronic records, relating to a pool of charged-off
consumer credit accounts sold or assigned by Comenity Bank to Sherman Originator III LLC on
2/20/2019 (the “Sale”), which included the account (“Account”) of the consumer (“Consumer”)
identified in the exhibits attached hereto and incorporated herein. As part of the Sale, Original
Creditor assigned all of its interest in the Account, including the right to any proceeds from the
Account, to Debt Buyer, and it transferred certain Business Records relating to the Account to
Debt Buyer. A true and correct copy of the bill of sale or written assignment of the Account is
attached as an exhibit to this affidavit.
2. In my position, I also have personal knowledge of Original Creditor’s procedures for creating
and maintaining its Business Records, including its procedures relating to the sale and assignment
of consumer credit accounts. Original Creditor’s Business Records were made in the regular course
of business and it was the regular course of such business to make the Business Records. The
Business Records were made at or near the time of the events recorded. Based on my knowledge
of Original Creditor’s Business Records, I have personal knowledge of the facts set forth in this
affidavit.
3. Original Creditor and Consumer were parties to a credit card agreement (“Agreement”).
Consumer agreed to pay Original Creditor for all goods, services and cash advances purchased or
provided pursuant to the Agreement. The date and the amount of the last payment, if any, made by
Consumer are set forth in an exhibit attached hereto and made a part hereof. Consumer defaulted
under the terms of the Agreement and a demand for payment was made by Original Creditor. A
true and correct copy of the Agreement is attached as an exhibit to this affidavit.
4. I have personal knowledge of Original Creditor’s procedures for generating and mailing account
statements to customers. It is the regular practice of Original Creditor’s business to provide
periodic account statements to its customers. Original Creditor sent one or more account
statements relating to the Consumer’s Account to Consumer on the date(s) and for the amount(s)
due set forth in an exhibit attached hereto and made a part hereof. The account statement(s) were
mailed to Consumer’s last known address and Original Creditor’s Business Records do not reflect
that the statement(s) were returned by the post office or that the Consumer objected to them. A
true and correct copy of the last account statement(s) generated and mailed by Original Creditor is
attached as an exhibit to this affidavit.
2 of 23
FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 09:23 AM INDEX NO. EK12020001138
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
5. At the time of Sale, Consumer owed the amount set forth in the exhibits attached hereto and
made a part hereof, which also set forth the name of the Consumer; the last four digits of the
Account number; the date and amount of the charge-off balance; the date and amount of the last
payment, if any; the total amounts, if applicable, of any post charge-off credits or payments made
by or on behalf of the Consumer; and the balance due at the time of the Sale. The above statements
are true and correct to the best of my personal knowledge.
6. Further, Affiant sayeth naught.
NITY B
Authorized Agent
The foregoing instrument was acknowledged before me this day of d/7
2 ( , by Mi cJatli taA cr^, Authorized Agent of Comenity Servicing LLC, and
authorized agent of Comenity Bank on behalf of said Bank.
HEATHER J. COY
of Ohio
.3 * NotaryPubhc.State
Notary Public
Reg. No.
County of Franklin
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FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 09:23 AM INDEX NO. EK12020001138
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
EXHIBITH
CERTIFICATE OF CONFORMITY
STA TE OF Ohio
COUNTY OF Franklin
The undersigned does hereby certify that she is a person duly qualified to make this certificate of conformity pursuant
to Section 299a of the Real Property Law of the State of New York; that the foregoing acknowledgment by Michele
Mason named in the foregoing Affidavit of Sale of Account By Original Creditor taken before Heather J Coy, a notary
in the State of Ohio, was taken in the manner prescribed by such laws of the State of Ohio, being the State in which it
was taken; and that it duly conforms with such laws and is in all respects valid and effective in such state.
Heather L Keck: Attorney at Law
Admitted to practice in the State of Ohio
Ohio Attorney Registration No: 0071364
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AM
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
PAGE1 OF4
Stsmmary of account activi P. ofar.mat.ion
Account no. 5856-3751-5769-6550 New ba ance $594.30
Minimum payment due $27.00
FreviGus balance $651.51 Pâyment due date 07/01/2018
Payments -82.00
Late payrnent warning:
Other credits 0.00 -
If we do not receive your - -'- payment by 07/01/2018 you may
Pechae=e 0.00
have to pay up o a $37.00 late fee.
Other debits 0.00
Fees charged 11.59 y:-5--
payrnent wrn:ng: If you make only the ... . ..
!nte'eet charged 13.20 paymant for each period, you will pay more in btsicat and it will take
New b=!=nce $594.30 you longer to pay off your bs!anc=e. For example:
Past due âmount 0.00 If you make no additional You will pay off And you will
Credit limit $600.00 charges using this card the balance shown end up paying an
A a::ab!a credit $5.70 and each month you pay: on the statement estimated total
R†etement closing date 06/05/2018 in about: of:
Days in billing cycle 30 Only the =| .| -a payment 3 years $827
For n regârding credit counseling services,
call 1-800-284-1706.
Account Questions? Need to make a payment? Want to know how to go paperless?
Visit VSAng•!Card.com or call 1-800-695-9478 (TDD/TTY 1-800-695-1788). Want to stay in the know with credit tips
and news? Visit us at facebook.com/askcomenity or at twitter.com/askcomenity.
An•el Rewards
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250 points using your Angel Card, Current Total Points: 37 earn triple points and score free
you will a tematically receive an Points to Next Reward: 213 sh!pp!r:g on bra purchacês!++
Reward*
Angel within 3 - 6 weeks Points to Next Upgrade: 963
Details of your trarrh
TRANS DATE TRANSACTIONDESCR!¤TION/LOCATION AMOUNT
05/i8/2016 PAYMENT-THANK YOU -82.00
..........................................................................................................................................................................................................
Fees
06/05/2018 ACCOUNT ASSURE 1-866-293-9210 11.59
Total fees charged for this period $11.59
..........................................................................................................................................................................................................
Interest charged
Interest charge on purchases $13.20
Total interest for this period $13.20
2018 totals year to date
Total fees charged in 2018 $134.81
Total interest chârged in 2018 $76.30
..................................................................NOTICE S reve e - --
Account
number 5856-3751-5769-6550
New balance Min!m"m payment
VICTORIA'S SECRET
$594.30 $27.00
99 3
._1._, Payment must reach us by
-mail a dÎe s see re rse Amount enclosed: 6 pm ET on 07/01!2012.
Please make check payable to:
ig-n-nin nu n ---gig.ggggg,ggn,g,,.g.u an; COMEN!TY - VICTORIA'S SECRET
-ir-
nun r un urrigir----r ur --TIII '|
Please return this portion along with your payment to:
KRISTIN MCCHESNEY
12014 ANGELL RD PO BOX 659728
SILVER CREEK NY 14136-9739 SAN ANTONIO TX 78265-9728
ir---Hurr n in gig-iTTTrr n i
00905003 00148034 5856375157696550 000002700 000059430
5 of 23
INDEX09:23
FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138
AM
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
Keepthis portionfor your records' CREDITREPORTING.We may reportinformationaboutyouraccountto
WhatToDo If YouThink YouFindA MistakeOn YourStatement credit bureaus. Late payments,missedpayments,or otherdefaultson your
. account may be reflected in yourcredit report.
If you think there is an erroron your statement,write to us at: Comenity
BankPOBox 182782, Columbus,Ohio43218-2782. NOTICEOFCREDITREPORTDISPUTES
If you believethe accountinformationwe reportedto a consumerreporting
In your letter, give us the following inf rm=tion:
• Accountinformation:Yournameand accountnumber- agencyis inaccurate,you maysubmit a direct disputeto ComenityBankPO
• Dollaramount:Thedollar amountof the suspectederror· Box 182789, Columbus,Ohio43218-2789. Yourwritten dispute must
providesufficient informationto identify the accountand specifywhy the
• Descriptionof Problem:If you think there is an erroron your bill, informationis inaccurate:
describewhatyou believeis wrongand whyyou believeit is a mistake. • AccountInformation:Yournameand accountnumber
• ContactInformation:Youraddressand telephonenumber
Youmustcontact us within 60 daysafter the errorappearedon your • DisputedInformation:Identify the accountinformationdisputedand
statement.
explain whyyou believeit is inaccurate
Youmust notify us of any potentialerrorsin writing.You maycall us, but if . SupportingDocumentation:If available,providea copy of the sectionof
you do weare not requiredto investigateany potentialerrorsandyou may the credit reportshowingthe accountinformationyou are disput|ng
haveto pay the amountin question.
. . Wewill investigatethe disputedinformationand reportthe resultsto you
Whilewe investigatewhetheror not there hasbeenan error, the following within 30 daysof receiptof the infe=ct|cn neededfor our investigation.If
aretrue: wefind that the accountinformationwe reportedis inaccurate,wewill
• Wecannot try to collect the amountin question,or reportyou as
delinquenton that amount· promptlyprovidethe necessarycorrectionto eachconsumerreporting
• Thechargein questionmay remainon your statement,and we may agencyto which we reportedthe information.
continueto chargeyou intereston that amount. But, if wedeterminethat PAYMENTS MARKED"PAIDIN FULL".AII written commun!cet!ensregarding
we madea mistake,you will not haveto pay the amountin questionor disputedamountsthat include any checkor other paymentir;strument
markedwith "paymentin full" or similar language,mustbe sentto: 6550
any interestor otherfeesrelatedto that amount.
. . . North Loop 1604 East,Suite 101, SanAntonio,TX78247-5004.
• Whileyou do not haveto pay the amountin question,you are repmeb!e DONOTUSETHEENCLOSED REMITTANCE ENVELOPE.
for the remainderof your balance· - Wemayaccept paymentsent to any otheraddresswithout losingany of
• Wecan applyany unpaidamountagainstyourcredit limit·
our rights.
- Nopaymentshall operateas an accordand satisfactionwithout prior
YourRightsIf YouAre DissatisfiedWith YourCreditCardPurchases
wntten approval.
If you aredissatisfiedwith the goodsor servicesthat you havepurchased
with yourcredit card, andyou havetried in goodfaith to correctthe CUSTOMER SERVICE.Visit vsangelcard.comor call 1-800-G95-9478
problemwith the merchant,you may havethe right not to pay the remaining (TDD/TTY1-800-695-1788).
amountdue on the purchase. TELEPHONE MONITORING. To provideyou with high-qualityservice,phone
To usethis right, all of the following mustbe true: communicationwith us is monitoredand/orrecorded.
1. Thepurchasemusthavebeenmadein your homestateor within 100 ADDITIONALINFORMATION. The followingdesignet!ens,whenappearing
miles of yourcurrent mailing address,and the purchaseprice musthave on the front of your statement,meanthe following:V meansvariablerate
beenmorethan $50. (Note:Neitherof theseis necessenfif your purchase (this rate mayvary);WVINT PAYRQmeansWAIVEINTEREST,PAYMENT
wasbasedon an ad;c±cement we mailedto you, or if weownthe company REQUIRED; WVINT EQPYmeansWAIVEINTEREST,EQUALPAYMENT; WV
that soldyou the goodsor services.) INT LOWPMTmeansWAIVEINTEREST,LOWPAYMENT;DFINT PYRQ
2. Youmusthaveusedyourcredit card for the purchase.Purchasesmade meansDEFERINTEREST,PAYMENTREQUIRED;DEFINT EQPYmeans
with cashadvancesfrom an ATMor with a checkthat accessesyourcredit DEFERINTEREST,EQUALPAYMENT;DFINT LOWPMTmeansDEFER
card accountdo not qualify. INTEREST,LOWPAYMENT and LOWAPREQPAYmeansLOWAPR,EQUAL
3. Youmustnot yet havefully paid for the purchase. PAYMENT.If you havea variablerate account,your periodicrates mayvary.
If all of the criteria aboveare met andyou arestill dissatisfiedwith the You maypay all of yourAccountbalanceat any time without penalty.
purchase,contact us in writingat: ComenityBankPOBox 182782, Sendall inquiriesto: CUSTOMER SERVICE,POBox 182273, Cnisimbina
Columbus,Ohio43218-2782. Ohio43218-2273.
Whilewe investigate,the samerules apply to the disputedamountas Sendall bankruptcynoticesand relatedcorrespondenceto ComenityBank,
discussedabove.After wefinish our investigation,wewill tell you our BankruptcyDepartment,POBox 182125, Columbus,Ohio43218-2125.
decision.At that point, if wethink you owean amountandyou do not pay
we may reportyou as delinquent. NOTICEABOUTELECTRONIC CHECKCüiWEiiSION. Whenyou providea
checkas payment,you authorizeus either to use informationfromyour
HOWTOAVOIDPAYINGINTEREST.Yourdue date is at least25 daysafter checkto makea one-timeelectronicfund transferfromyouraccountor to
the closeof each billing cycle. Wewill not chargeyou intereston purchases processthe paymentas a checktensect!en. Whenwe use !nferst!:n from
if you payyourentire balanceby the due date eachmonth.Wewill beginto yourcheckto makean electronicfund transfer,funds may be withdrawn
chargeintereston newpurchasesmadeundera LowAPR,EqualPayment fromyouraccountas soonas the sameday we receiveyour payment,and
or BudgetPaymentCredit Planfrom the date of purchase. you will not receiveyourcheck backfromyourfinancial institution.
BALANCECOMPUTATION METHOD.Wecalculate interestseparatelyfor
eachbalanceusing the method(s)describedbelow.Thetwo letters in
parenthesesnextto the BalanceSubjectto InterestRatecolumn in the
InterestChargeCalculationsectionon this statementcorrespondsto the
following:
(DA)Wefigure the interestchargeon this balanceby applyingthe periodic
rateto the "daily balance" for each day in the billing period.Toget the
balance" wetake the
"daily beginningbalanceeach day, add any new
transactionsand feesand subtract any paymentsor credits (treatingany net
credit balanceas a zerobalance).Thisgivesus the daily balance.
(MC)Wefigure the interestchargeon this balanceby applyingthe periodic
rateto the "averagedaily balance" for the billing period.Toget the
"averagedaily balance" wetake the beginningbalanceeach day, add any
newtransactionsand feesand subtract any paymentsor credits (treating
any net credit balanceas a zerobalance).Thisgivesus the daily balance.
Then,weadd up all the daily balancesfor the billing periodand divide the
total by the numberof daysin the billing period.Thisgivesus the "average
balance."
daily
PAYMENTS. PayyourAccountby the paymentdue date by the time listed below.If wedo not receiveyour paymentin a correctformat (Güt|inedbelow) it
may not be creditedto yourAccountfor up to five days,or may be rejected.Also,your paymentmustreachus by the paymentcutoff time that appliesto
the paymentmethodyou select.
CorrectFormat.Correctformatfor different paymentmethodsinclude:
Mailing or Overnight:Senda personalcheck, moneyorder,traveler'scheckor cashier'scheck payablein U.S.dollars, to the nameand addressshownon
this Statementin the paymentstub areacontainingyour balanceand G|n| paymentamount.Besureto includeyour paymentstub, do not stapleor
clip your paymentto the stub, includeyouraccountnumberon your check, usethe envelopeprovidedwith your Statement,sendone paymentwith one
paymentstub and do not sendany correspondencewith your payment.Youshouldovemighta paymentto 6550 North Loop 1604 East,Suite 101, San
Antonio,TX78247-5004 and the additional format req ±nts arethe sameas other mailed paymentsunlessthere is a dispute, in which caseyou follow
the PaymentsMarked"PaidIn Full" sectionabove.Donot sendcashor gift certificates. PayBy Phone:Youcan call us toll free at 1-800-695-9478
(TDD/TTY1-800-695-1788)to makea paymentby t:|:phone, which may includea fee. Online:Youcan makea paymentonline at vsangelcard.com.
in-store:Youcan makepaymentsin-store.
PaymentCutoffTimes.Paymentcutoff times/deadlinesfor us to receivepaymentsare by the due date on this Statementin the paymentstub areaat the
following times: Mailing and Overnight·By 6:00 pm EasternTime (ET);PayBy Phone:By 8:00 pm (ET); Online: By 8:00 pm (ET);and in-store: By the time
the storeclosesat the locationyou makeyour payment.
New Information
Title (optional) First Name MI
Last Name Soc. Sec. No.
Street Address
Apt. No. RR PO Box
City State Zip Code Foreign Map Code
Home Phone Work Phone
Email Address
6 of 23
INDEX09:23
FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138
AM
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
DON'T MISS OUT, 2
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PAGE3OF4
Interest charee caieMatiert
Your Annual P÷:c:::i:3: Rate (APR) is the annual ±±1rate on your vent. See BALANCE COMPUTATION METHOD
on page 2 for more details.
TYPEOF BALANCESUBJECT INTEREST
BALANCE APR TO INTERESTRATE CHARf:F
Purcheses 26.4900% (v) 606.14 (DA) 13.20
Additional imn . ----¬ ves
*For Victoria's Secret rewards pragram terms visit www.VictGriasSecret.com/vsññgeirensidterms.
+This ñümber may not reflect all curreiit e as due to od!· ·· ñ delays. AII ;:m!as not reflected on
this eliter2n! will be ref!ected on your next billing statement.
++ Add que!!F;!ng in-stock bra(s) to your sh··pp!ñg bag. Clearance (items with prices ending in $.99) does
not qualify toward free shipp|ñg offer e::g:b!!!rf but does qualify for triple points offer eligibility. Select Angel
Card as your payment type and when prompted enter offer code JUST4ANGELS at cheukout. Standard
shipping & hsñd!!ñg charges will automEticâ::y be deducted for eligible orders after offer code is epp!!ed.
Not valid on previous purchases or store purchases. Valid for free standard
shipping & hüñd!!ng ailywhere
in the United States. Angel Card purchases only; subject to credit appreval. Offer may be modified or
discont|r.ued at any time without notice. For Victoria's Secret reward program terms, visit
www.VicteridsSecret.com/vsange!rewardtarms.
Did you know? You can easily add a family member or friend as an authorized buyer for your Victoria's
Secret Angel Card! It's just one way to spoil your loved one while reapirig the rswards. And, you can
cheese be:=e=n a Victoria's Secret Angel Card or a PINK Angel Card design. Just access our secure
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How can you take charge aga|ñst ID Theft? Visit idtheft.gov to find out.
00905003 00148035 5856375157696550 000002700 000059430
7 of 23
INDEX09:23
FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138
AM
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
PAGE 4 OF 4
8 of 23
INDEX09:23
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AM
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
..............................................................................................................................................................................................................
PAGE 1 OF 4
Rumma.ary of account activity P.
Account no. ****-****-****-6550 New bc!ance $993.08
M|n|=um payment due $297.00
Previc a be!ence $934.29 Payment due date 02/01/2019
Paymants 0.00
Late payment warning:
Other credits 0.00
If we do not receive your payment by 02/01/2019 you may
Pd~s 0 00
Other debits 0.00 haye to pay up o ay37.00 late fee.
Fees charged 37.00
Minimum payment warning: If you make only the
|..io.coi charged 21.79 paymset for each period, you will pay more in interest and it will take
New balance $993.08 you longer to pay off your b es. For example:
Past due emount 252.00 If you make no a-'-'!!!:nal You will pay off And you will
Credit limit $600.00 charges using this card the balance shown end up paying an
/ ea||ab|a credit $0.00 and each month you pay: on the statement estimated total
Gtâtem÷-·† closing date 01/06/2019 in about: of:
--!-------- nayment
Days in billing cycle 31 Only the 4 years $1607
For infnr n regard-g credit - ng saivices,
call 1-800-284-1706.
Aneel Rewards
IMPORTANT REWAR DS PROG RAM
INFORMAT!ON: The Program Terms for
the Victoria's Secret Rewards Program will
be updated effective, March 11, 2019.
Please visit comenity.n£MGedâssacret
and click on Rewards Terms & Cen inna
at any time to review current Victoria's
Secret Rewards Fruyram Terms.
Details of our tr¬rr•daa+
TRANS DATE TRANSACTION=m¤T!0N/LOCATION
.......................................................................................................................................................................................................... heGUMT
Fees
01iG2/20 is LATE FEE 37.00
Total fees charged for this period $37.00
..........................................................................................................................................................................................................
Interest charged
Interest charge on purchases $21.79
Total interest for this period $21.79
2019 totals year to date
Total fees charged in 2019 $37.00
Total |ñtarast charged in 2019 $21.79
interest charee cattm1stion
Your Annual P±··_--4-g Rate (APR) is the annual :-·†÷-est rate on your âccouiii. See BALANCE COMPUTATION METHOD
on page 2 for more details.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR TO INTERESTRATE CHARGE
Purchases 26.9900% (v) 950.70 (DA) 21.79
.................................................................. .CESeereversesidefor ! po : information.
Please tear at perforation above
Account
number ****-****-****-6550
New balance Minimum payment
VICTORIA'S SECRET
$993.08 $297.00
99 4
Paymant mus ach us by
Yes, I have moved or updated my Amount enciound: 6 pm ET on -..-..--.9.
e-mail address - see reverse.
$ Please make check payable to:
in g su •i gg.gg,g | COMENITY - VICTORIA'S SECRET
, gg...gig in!!!..in Trl'
'I"ti i... li il!!'ll I ri ir
Please return this portion along with your paymant to:
KRISTIN MCCHESNEY
12014 ANGELL RD PO BOX 659728
SILVER CREEK NY 14136-9739 SAN ANTONIO TX 78265-9728
Ill II I'll'I I 'I1 II IIllIlll 'I'llEili'i'Eii |!|!! | II
00905003 00039466 5856375157696550 000029700 000099308
9 of 23
INDEX09:23
FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138
AM
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021
Keepthis portionfor your records' CREDITREPORTING.We may reportinformationaboutyouraccountto
WhatToDo If YouThink YouFindA MistakeOn YourStatement credit bureaus. Late payments,missedpayments,or otherdefaultson your
. account may be reflected in yourcredit report.
If you think there is an erroron your statement,write to us at: Comenity
BankPOBox 182782, Columbus,Ohio43218-2782. NOTICEOFCREDITREPORTDISPUTES
If you believethe accountinformationwe reportedto a consumerreporting
In your letter, give us the following inf rm=tion:
• Accountinformation:Yournameand accountnumber- agencyis inaccurate,you maysubmit a direct disputeto ComenityBankPO
• Dollaramount:Thedollar amountof the suspectederror· Box 182789, Columbus,Ohio43218-2789. Yourwritten dispute must
providesufficient informationto identify the accountand specifywhy the
• Descriptionof Problem:If you think there is an erroron your bill, informationis inaccurate:
describewhatyou believeis wrongand whyyou believeit is a mistake. • AccountInformation:Yournameand accountnumber
• ContactInformation:Youraddressand telephonenumber
Youmustcontact us within 60 daysafter the errorappearedon your • DisputedInform
Preview
FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 09:23 AM INDEX NO. EK12020001138 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 SELLER Account Itemization Account Number 005856375157696550 Original Creditor Comenity Bank f/k/a World Financial Network Bank Borrower's Full Name Kristin McChesney Client's Name VICTORIA'S SECRET Origination Date 5/17/2015 Last Payment Date 5/18/2018 Last Payment Amount $82 Charge Off Date 1/31/2019 Charge Off Balance $993.08 Total of Post Charge Off Interest $0 at time of sale Total Post Charge Off Fees $0 and Charges at time of sale Total Post Charge Off Credits $0 at time of sale Total Post Charge Off $0 Payments at time of sale Buyer name Sherman Originator III LLC Sale Date 2/20/2019 Balance at time of Sale $993.08 1 of 23 FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 09:23 AM INDEX NO. EK12020001138 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 EXHIBIT I NY AFFIDAVIT AFFIDAVIT OF FACTS AND SALE OF ACCOUNT BY ORIGINAL CREDITOR (Debt Buyer Actions) The undersigned, being duly sworn, deposes and says: 1. I am a/an employee of Comenity Servicing LLC, the affiliate servicer for Comenity Bank (“Original Creditor”), and I have personal knowledge of and access to Original Creditor’s books and records (“Business Records”), including electronic records, relating to a pool of charged-off consumer credit accounts sold or assigned by Comenity Bank to Sherman Originator III LLC on 2/20/2019 (the “Sale”), which included the account (“Account”) of the consumer (“Consumer”) identified in the exhibits attached hereto and incorporated herein. As part of the Sale, Original Creditor assigned all of its interest in the Account, including the right to any proceeds from the Account, to Debt Buyer, and it transferred certain Business Records relating to the Account to Debt Buyer. A true and correct copy of the bill of sale or written assignment of the Account is attached as an exhibit to this affidavit. 2. In my position, I also have personal knowledge of Original Creditor’s procedures for creating and maintaining its Business Records, including its procedures relating to the sale and assignment of consumer credit accounts. Original Creditor’s Business Records were made in the regular course of business and it was the regular course of such business to make the Business Records. The Business Records were made at or near the time of the events recorded. Based on my knowledge of Original Creditor’s Business Records, I have personal knowledge of the facts set forth in this affidavit. 3. Original Creditor and Consumer were parties to a credit card agreement (“Agreement”). Consumer agreed to pay Original Creditor for all goods, services and cash advances purchased or provided pursuant to the Agreement. The date and the amount of the last payment, if any, made by Consumer are set forth in an exhibit attached hereto and made a part hereof. Consumer defaulted under the terms of the Agreement and a demand for payment was made by Original Creditor. A true and correct copy of the Agreement is attached as an exhibit to this affidavit. 4. I have personal knowledge of Original Creditor’s procedures for generating and mailing account statements to customers. It is the regular practice of Original Creditor’s business to provide periodic account statements to its customers. Original Creditor sent one or more account statements relating to the Consumer’s Account to Consumer on the date(s) and for the amount(s) due set forth in an exhibit attached hereto and made a part hereof. The account statement(s) were mailed to Consumer’s last known address and Original Creditor’s Business Records do not reflect that the statement(s) were returned by the post office or that the Consumer objected to them. A true and correct copy of the last account statement(s) generated and mailed by Original Creditor is attached as an exhibit to this affidavit. 2 of 23 FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 09:23 AM INDEX NO. EK12020001138 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 5. At the time of Sale, Consumer owed the amount set forth in the exhibits attached hereto and made a part hereof, which also set forth the name of the Consumer; the last four digits of the Account number; the date and amount of the charge-off balance; the date and amount of the last payment, if any; the total amounts, if applicable, of any post charge-off credits or payments made by or on behalf of the Consumer; and the balance due at the time of the Sale. The above statements are true and correct to the best of my personal knowledge. 6. Further, Affiant sayeth naught. NITY B Authorized Agent The foregoing instrument was acknowledged before me this day of d/7 2 ( , by Mi cJatli taA cr^, Authorized Agent of Comenity Servicing LLC, and authorized agent of Comenity Bank on behalf of said Bank. HEATHER J. COY of Ohio .3 * NotaryPubhc.State Notary Public Reg. No. County of Franklin 3 of 23 FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 09:23 AM INDEX NO. EK12020001138 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 EXHIBITH CERTIFICATE OF CONFORMITY STA TE OF Ohio COUNTY OF Franklin The undersigned does hereby certify that she is a person duly qualified to make this certificate of conformity pursuant to Section 299a of the Real Property Law of the State of New York; that the foregoing acknowledgment by Michele Mason named in the foregoing Affidavit of Sale of Account By Original Creditor taken before Heather J Coy, a notary in the State of Ohio, was taken in the manner prescribed by such laws of the State of Ohio, being the State in which it was taken; and that it duly conforms with such laws and is in all respects valid and effective in such state. Heather L Keck: Attorney at Law Admitted to practice in the State of Ohio Ohio Attorney Registration No: 0071364 4 of 23 INDEX09:23 FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138 AM NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 PAGE1 OF4 Stsmmary of account activi P. ofar.mat.ion Account no. 5856-3751-5769-6550 New ba ance $594.30 Minimum payment due $27.00 FreviGus balance $651.51 Pâyment due date 07/01/2018 Payments -82.00 Late payrnent warning: Other credits 0.00 - If we do not receive your - -'- payment by 07/01/2018 you may Pechae=e 0.00 have to pay up o a $37.00 late fee. Other debits 0.00 Fees charged 11.59 y:-5-- payrnent wrn:ng: If you make only the ... . .. !nte'eet charged 13.20 paymant for each period, you will pay more in btsicat and it will take New b=!=nce $594.30 you longer to pay off your bs!anc=e. For example: Past due âmount 0.00 If you make no additional You will pay off And you will Credit limit $600.00 charges using this card the balance shown end up paying an A a::ab!a credit $5.70 and each month you pay: on the statement estimated total R†etement closing date 06/05/2018 in about: of: Days in billing cycle 30 Only the =| .| -a payment 3 years $827 For n regârding credit counseling services, call 1-800-284-1706. Account Questions? Need to make a payment? Want to know how to go paperless? Visit VSAng•!Card.com or call 1-800-695-9478 (TDD/TTY 1-800-695-1788). Want to stay in the know with credit tips and news? Visit us at facebook.com/askcomenity or at twitter.com/askcomenity. An•el Rewards Earn Rouvards! Each time you earn +Points Su==ary Don't forget... Angel Cardhù|des 250 points using your Angel Card, Current Total Points: 37 earn triple points and score free you will a tematically receive an Points to Next Reward: 213 sh!pp!r:g on bra purchacês!++ Reward* Angel within 3 - 6 weeks Points to Next Upgrade: 963 Details of your trarrh TRANS DATE TRANSACTIONDESCR!¤TION/LOCATION AMOUNT 05/i8/2016 PAYMENT-THANK YOU -82.00 .......................................................................................................................................................................................................... Fees 06/05/2018 ACCOUNT ASSURE 1-866-293-9210 11.59 Total fees charged for this period $11.59 .......................................................................................................................................................................................................... Interest charged Interest charge on purchases $13.20 Total interest for this period $13.20 2018 totals year to date Total fees charged in 2018 $134.81 Total interest chârged in 2018 $76.30 ..................................................................NOTICE S reve e - -- Account number 5856-3751-5769-6550 New balance Min!m"m payment VICTORIA'S SECRET $594.30 $27.00 99 3 ._1._, Payment must reach us by -mail a dÎe s see re rse Amount enclosed: 6 pm ET on 07/01!2012. Please make check payable to: ig-n-nin nu n ---gig.ggggg,ggn,g,,.g.u an; COMEN!TY - VICTORIA'S SECRET -ir- nun r un urrigir----r ur --TIII '| Please return this portion along with your payment to: KRISTIN MCCHESNEY 12014 ANGELL RD PO BOX 659728 SILVER CREEK NY 14136-9739 SAN ANTONIO TX 78265-9728 ir---Hurr n in gig-iTTTrr n i 00905003 00148034 5856375157696550 000002700 000059430 5 of 23 INDEX09:23 FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138 AM NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 Keepthis portionfor your records' CREDITREPORTING.We may reportinformationaboutyouraccountto WhatToDo If YouThink YouFindA MistakeOn YourStatement credit bureaus. Late payments,missedpayments,or otherdefaultson your . account may be reflected in yourcredit report. If you think there is an erroron your statement,write to us at: Comenity BankPOBox 182782, Columbus,Ohio43218-2782. NOTICEOFCREDITREPORTDISPUTES If you believethe accountinformationwe reportedto a consumerreporting In your letter, give us the following inf rm=tion: • Accountinformation:Yournameand accountnumber- agencyis inaccurate,you maysubmit a direct disputeto ComenityBankPO • Dollaramount:Thedollar amountof the suspectederror· Box 182789, Columbus,Ohio43218-2789. Yourwritten dispute must providesufficient informationto identify the accountand specifywhy the • Descriptionof Problem:If you think there is an erroron your bill, informationis inaccurate: describewhatyou believeis wrongand whyyou believeit is a mistake. • AccountInformation:Yournameand accountnumber • ContactInformation:Youraddressand telephonenumber Youmustcontact us within 60 daysafter the errorappearedon your • DisputedInformation:Identify the accountinformationdisputedand statement. explain whyyou believeit is inaccurate Youmust notify us of any potentialerrorsin writing.You maycall us, but if . SupportingDocumentation:If available,providea copy of the sectionof you do weare not requiredto investigateany potentialerrorsandyou may the credit reportshowingthe accountinformationyou are disput|ng haveto pay the amountin question. . . Wewill investigatethe disputedinformationand reportthe resultsto you Whilewe investigatewhetheror not there hasbeenan error, the following within 30 daysof receiptof the infe=ct|cn neededfor our investigation.If aretrue: wefind that the accountinformationwe reportedis inaccurate,wewill • Wecannot try to collect the amountin question,or reportyou as delinquenton that amount· promptlyprovidethe necessarycorrectionto eachconsumerreporting • Thechargein questionmay remainon your statement,and we may agencyto which we reportedthe information. continueto chargeyou intereston that amount. But, if wedeterminethat PAYMENTS MARKED"PAIDIN FULL".AII written commun!cet!ensregarding we madea mistake,you will not haveto pay the amountin questionor disputedamountsthat include any checkor other paymentir;strument markedwith "paymentin full" or similar language,mustbe sentto: 6550 any interestor otherfeesrelatedto that amount. . . . North Loop 1604 East,Suite 101, SanAntonio,TX78247-5004. • Whileyou do not haveto pay the amountin question,you are repmeb!e DONOTUSETHEENCLOSED REMITTANCE ENVELOPE. for the remainderof your balance· - Wemayaccept paymentsent to any otheraddresswithout losingany of • Wecan applyany unpaidamountagainstyourcredit limit· our rights. - Nopaymentshall operateas an accordand satisfactionwithout prior YourRightsIf YouAre DissatisfiedWith YourCreditCardPurchases wntten approval. If you aredissatisfiedwith the goodsor servicesthat you havepurchased with yourcredit card, andyou havetried in goodfaith to correctthe CUSTOMER SERVICE.Visit vsangelcard.comor call 1-800-G95-9478 problemwith the merchant,you may havethe right not to pay the remaining (TDD/TTY1-800-695-1788). amountdue on the purchase. TELEPHONE MONITORING. To provideyou with high-qualityservice,phone To usethis right, all of the following mustbe true: communicationwith us is monitoredand/orrecorded. 1. Thepurchasemusthavebeenmadein your homestateor within 100 ADDITIONALINFORMATION. The followingdesignet!ens,whenappearing miles of yourcurrent mailing address,and the purchaseprice musthave on the front of your statement,meanthe following:V meansvariablerate beenmorethan $50. (Note:Neitherof theseis necessenfif your purchase (this rate mayvary);WVINT PAYRQmeansWAIVEINTEREST,PAYMENT wasbasedon an ad;c±cement we mailedto you, or if weownthe company REQUIRED; WVINT EQPYmeansWAIVEINTEREST,EQUALPAYMENT; WV that soldyou the goodsor services.) INT LOWPMTmeansWAIVEINTEREST,LOWPAYMENT;DFINT PYRQ 2. Youmusthaveusedyourcredit card for the purchase.Purchasesmade meansDEFERINTEREST,PAYMENTREQUIRED;DEFINT EQPYmeans with cashadvancesfrom an ATMor with a checkthat accessesyourcredit DEFERINTEREST,EQUALPAYMENT;DFINT LOWPMTmeansDEFER card accountdo not qualify. INTEREST,LOWPAYMENT and LOWAPREQPAYmeansLOWAPR,EQUAL 3. Youmustnot yet havefully paid for the purchase. PAYMENT.If you havea variablerate account,your periodicrates mayvary. If all of the criteria aboveare met andyou arestill dissatisfiedwith the You maypay all of yourAccountbalanceat any time without penalty. purchase,contact us in writingat: ComenityBankPOBox 182782, Sendall inquiriesto: CUSTOMER SERVICE,POBox 182273, Cnisimbina Columbus,Ohio43218-2782. Ohio43218-2273. Whilewe investigate,the samerules apply to the disputedamountas Sendall bankruptcynoticesand relatedcorrespondenceto ComenityBank, discussedabove.After wefinish our investigation,wewill tell you our BankruptcyDepartment,POBox 182125, Columbus,Ohio43218-2125. decision.At that point, if wethink you owean amountandyou do not pay we may reportyou as delinquent. NOTICEABOUTELECTRONIC CHECKCüiWEiiSION. Whenyou providea checkas payment,you authorizeus either to use informationfromyour HOWTOAVOIDPAYINGINTEREST.Yourdue date is at least25 daysafter checkto makea one-timeelectronicfund transferfromyouraccountor to the closeof each billing cycle. Wewill not chargeyou intereston purchases processthe paymentas a checktensect!en. Whenwe use !nferst!:n from if you payyourentire balanceby the due date eachmonth.Wewill beginto yourcheckto makean electronicfund transfer,funds may be withdrawn chargeintereston newpurchasesmadeundera LowAPR,EqualPayment fromyouraccountas soonas the sameday we receiveyour payment,and or BudgetPaymentCredit Planfrom the date of purchase. you will not receiveyourcheck backfromyourfinancial institution. BALANCECOMPUTATION METHOD.Wecalculate interestseparatelyfor eachbalanceusing the method(s)describedbelow.Thetwo letters in parenthesesnextto the BalanceSubjectto InterestRatecolumn in the InterestChargeCalculationsectionon this statementcorrespondsto the following: (DA)Wefigure the interestchargeon this balanceby applyingthe periodic rateto the "daily balance" for each day in the billing period.Toget the balance" wetake the "daily beginningbalanceeach day, add any new transactionsand feesand subtract any paymentsor credits (treatingany net credit balanceas a zerobalance).Thisgivesus the daily balance. (MC)Wefigure the interestchargeon this balanceby applyingthe periodic rateto the "averagedaily balance" for the billing period.Toget the "averagedaily balance" wetake the beginningbalanceeach day, add any newtransactionsand feesand subtract any paymentsor credits (treating any net credit balanceas a zerobalance).Thisgivesus the daily balance. Then,weadd up all the daily balancesfor the billing periodand divide the total by the numberof daysin the billing period.Thisgivesus the "average balance." daily PAYMENTS. PayyourAccountby the paymentdue date by the time listed below.If wedo not receiveyour paymentin a correctformat (Güt|inedbelow) it may not be creditedto yourAccountfor up to five days,or may be rejected.Also,your paymentmustreachus by the paymentcutoff time that appliesto the paymentmethodyou select. CorrectFormat.Correctformatfor different paymentmethodsinclude: Mailing or Overnight:Senda personalcheck, moneyorder,traveler'scheckor cashier'scheck payablein U.S.dollars, to the nameand addressshownon this Statementin the paymentstub areacontainingyour balanceand G|n| paymentamount.Besureto includeyour paymentstub, do not stapleor clip your paymentto the stub, includeyouraccountnumberon your check, usethe envelopeprovidedwith your Statement,sendone paymentwith one paymentstub and do not sendany correspondencewith your payment.Youshouldovemighta paymentto 6550 North Loop 1604 East,Suite 101, San Antonio,TX78247-5004 and the additional format req ±nts arethe sameas other mailed paymentsunlessthere is a dispute, in which caseyou follow the PaymentsMarked"PaidIn Full" sectionabove.Donot sendcashor gift certificates. PayBy Phone:Youcan call us toll free at 1-800-695-9478 (TDD/TTY1-800-695-1788)to makea paymentby t:|:phone, which may includea fee. Online:Youcan makea paymentonline at vsangelcard.com. in-store:Youcan makepaymentsin-store. PaymentCutoffTimes.Paymentcutoff times/deadlinesfor us to receivepaymentsare by the due date on this Statementin the paymentstub areaat the following times: Mailing and Overnight·By 6:00 pm EasternTime (ET);PayBy Phone:By 8:00 pm (ET); Online: By 8:00 pm (ET);and in-store: By the time the storeclosesat the locationyou makeyour payment. New Information Title (optional) First Name MI Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box City State Zip Code Foreign Map Code Home Phone Work Phone Email Address 6 of 23 INDEX09:23 FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138 AM NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 DON'T MISS OUT, 2 ANGEL... Sign up for emails at VictoriasSecret.com/angel-card to get the full on exclusive Angels-only offers and events! scoop PAGE3OF4 Interest charee caieMatiert Your Annual P÷:c:::i:3: Rate (APR) is the annual ±±1rate on your vent. See BALANCE COMPUTATION METHOD on page 2 for more details. TYPEOF BALANCESUBJECT INTEREST BALANCE APR TO INTERESTRATE CHARf:F Purcheses 26.4900% (v) 606.14 (DA) 13.20 Additional imn . ----¬ ves *For Victoria's Secret rewards pragram terms visit www.VictGriasSecret.com/vsññgeirensidterms. +This ñümber may not reflect all curreiit e as due to od!· ·· ñ delays. AII ;:m!as not reflected on this eliter2n! will be ref!ected on your next billing statement. ++ Add que!!F;!ng in-stock bra(s) to your sh··pp!ñg bag. Clearance (items with prices ending in $.99) does not qualify toward free shipp|ñg offer e::g:b!!!rf but does qualify for triple points offer eligibility. Select Angel Card as your payment type and when prompted enter offer code JUST4ANGELS at cheukout. Standard shipping & hsñd!!ñg charges will automEticâ::y be deducted for eligible orders after offer code is epp!!ed. Not valid on previous purchases or store purchases. Valid for free standard shipping & hüñd!!ng ailywhere in the United States. Angel Card purchases only; subject to credit appreval. Offer may be modified or discont|r.ued at any time without notice. For Victoria's Secret reward program terms, visit www.VicteridsSecret.com/vsange!rewardtarms. Did you know? You can easily add a family member or friend as an authorized buyer for your Victoria's Secret Angel Card! It's just one way to spoil your loved one while reapirig the rswards. And, you can cheese be:=e=n a Victoria's Secret Angel Card or a PINK Angel Card design. Just access our secure cu -mer service website at vsangs|card.com or call our Customer Care Center at 1-800-695-9478 (TDD/TTY 1-800-695-1788). Be the first to know! Sign up for emails at VistariasSecret.com/añge!-card. How can you take charge aga|ñst ID Theft? Visit idtheft.gov to find out. 00905003 00148035 5856375157696550 000002700 000059430 7 of 23 INDEX09:23 FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138 AM NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 PAGE 4 OF 4 8 of 23 INDEX09:23 FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138 AM NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 .............................................................................................................................................................................................................. PAGE 1 OF 4 Rumma.ary of account activity P. Account no. ****-****-****-6550 New bc!ance $993.08 M|n|=um payment due $297.00 Previc a be!ence $934.29 Payment due date 02/01/2019 Paymants 0.00 Late payment warning: Other credits 0.00 If we do not receive your payment by 02/01/2019 you may Pd~s 0 00 Other debits 0.00 haye to pay up o ay37.00 late fee. Fees charged 37.00 Minimum payment warning: If you make only the |..io.coi charged 21.79 paymset for each period, you will pay more in interest and it will take New balance $993.08 you longer to pay off your b es. For example: Past due emount 252.00 If you make no a-'-'!!!:nal You will pay off And you will Credit limit $600.00 charges using this card the balance shown end up paying an / ea||ab|a credit $0.00 and each month you pay: on the statement estimated total Gtâtem÷-·† closing date 01/06/2019 in about: of: --!-------- nayment Days in billing cycle 31 Only the 4 years $1607 For infnr n regard-g credit - ng saivices, call 1-800-284-1706. Aneel Rewards IMPORTANT REWAR DS PROG RAM INFORMAT!ON: The Program Terms for the Victoria's Secret Rewards Program will be updated effective, March 11, 2019. Please visit comenity.n£MGedâssacret and click on Rewards Terms & Cen inna at any time to review current Victoria's Secret Rewards Fruyram Terms. Details of our tr¬rr•daa+ TRANS DATE TRANSACTION=m¤T!0N/LOCATION .......................................................................................................................................................................................................... heGUMT Fees 01iG2/20 is LATE FEE 37.00 Total fees charged for this period $37.00 .......................................................................................................................................................................................................... Interest charged Interest charge on purchases $21.79 Total interest for this period $21.79 2019 totals year to date Total fees charged in 2019 $37.00 Total |ñtarast charged in 2019 $21.79 interest charee cattm1stion Your Annual P±··_--4-g Rate (APR) is the annual :-·†÷-est rate on your âccouiii. See BALANCE COMPUTATION METHOD on page 2 for more details. TYPE OF BALANCE SUBJECT INTEREST BALANCE APR TO INTERESTRATE CHARGE Purchases 26.9900% (v) 950.70 (DA) 21.79 .................................................................. .CESeereversesidefor ! po : information. Please tear at perforation above Account number ****-****-****-6550 New balance Minimum payment VICTORIA'S SECRET $993.08 $297.00 99 4 Paymant mus ach us by Yes, I have moved or updated my Amount enciound: 6 pm ET on -..-..--.9. e-mail address - see reverse. $ Please make check payable to: in g su •i gg.gg,g | COMENITY - VICTORIA'S SECRET , gg...gig in!!!..in Trl' 'I"ti i... li il!!'ll I ri ir Please return this portion along with your paymant to: KRISTIN MCCHESNEY 12014 ANGELL RD PO BOX 659728 SILVER CREEK NY 14136-9739 SAN ANTONIO TX 78265-9728 Ill II I'll'I I 'I1 II IIllIlll 'I'llEili'i'Eii |!|!! | II 00905003 00039466 5856375157696550 000029700 000099308 9 of 23 INDEX09:23 FILED: CHAUTAUQUA COUNTY CLERK 07/29/2021 NO. EK12020001138 AM NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 07/29/2021 Keepthis portionfor your records' CREDITREPORTING.We may reportinformationaboutyouraccountto WhatToDo If YouThink YouFindA MistakeOn YourStatement credit bureaus. Late payments,missedpayments,or otherdefaultson your . account may be reflected in yourcredit report. If you think there is an erroron your statement,write to us at: Comenity BankPOBox 182782, Columbus,Ohio43218-2782. NOTICEOFCREDITREPORTDISPUTES If you believethe accountinformationwe reportedto a consumerreporting In your letter, give us the following inf rm=tion: • Accountinformation:Yournameand accountnumber- agencyis inaccurate,you maysubmit a direct disputeto ComenityBankPO • Dollaramount:Thedollar amountof the suspectederror· Box 182789, Columbus,Ohio43218-2789. Yourwritten dispute must providesufficient informationto identify the accountand specifywhy the • Descriptionof Problem:If you think there is an erroron your bill, informationis inaccurate: describewhatyou believeis wrongand whyyou believeit is a mistake. • AccountInformation:Yournameand accountnumber • ContactInformation:Youraddressand telephonenumber Youmustcontact us within 60 daysafter the errorappearedon your • DisputedInform