Preview
INDEX NO. E012021017048
(FILED: COLUMBIA COUNTY CLERK 1271072021 I1:16 AM
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021
SELLER Account Itemization
Account Number 004323592009079078
Original Creditor COMENITY CAPITAL BANK f/k/a World Financial Network
Bank
Borrower’s Full Name JAMES GILLARD
Client’s Name GOOD SAM
Origination Date 4/1/2018
Last Payment Date 12/12/2019
Last Payment Amount $64
Charge Off Date 9/30/2020
Charge Off Balance $2749.23
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 MIDLAND CREDIT MANAGEMENT, INC
Sale Date 10/23/2020
Balance at time of Sale $2749.23
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INDEX NO. E£012021017048
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021
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. | am a/an employee of Comenity Servicing LLC, the affiliate servicer for Comenity Capital
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 Capital
Bank to Midland Credit Management, Inc. (“Debt Buyer”), on 7293-02029 (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.
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INDEX NO. E012021017048
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021
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.
COMENITY CAPITAL BANK
rash Morgan
A
A
foregoing instrument was cknowledged _, before me day this
of
Phe by a Moan > Authorized
Agent of Coméni Servicing LLC, authorized agent of Comenity Capital Bank on behalf
of said Bank.
(Ch
County of Franklin
HEATHER L. KECK
Attorney at Law
NOT IARY PUBLIC, STATE OF OHIO
it Date
Section 147.03 O.R.C.
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INDEX NO. E£012021017048
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021
EXHIBIT H
CERTIFICATE OF CONFORMITY
STATE OF Ohio
COUNTY OF Franklin
The undersigned does hereby certify that he 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 Heather
Morgan named in the foregoing Affidavit of Sale of Account By Original Creditor taken before Heather L. Keck, 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.
“Cpett Ford
Date
Hw 4
Heather J. Coy: Attorney at Law
Admitted to practice in the State of Ohio
Ohio Attorney Registration No: 0095168
4 of 15
021017048
NYS er AUN Mata Se cS
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REWARDS REWARDS REWARDS
POINTS POINTS POINT
for every $1 spent for every $1 spent on for every $1 spent on
‘on purchases at gas stations & private all other purchases
our family of brands! campgrounds in the everywhere else Visa®
USS. and Canada? is accepted’
WORE |ANDER
SANDER See reverse for details
PAGE
1 OF 4
EST
tec Ua ed metered Ul arekel ui LageW LUKLL4 eGo)
Account no. HAF O7B New balance $2,014.31
Minimum payment due $65.00
Previous balance $1,980.54 Payment due date 01/21/2020
Payments 64.00
Other credits 0.00 Late payment warning:
Purchases 53.23 If we do not receive your minimum payment by 01/21/2020 you may
Other debits 0.00 have to pay up to a $40.00 late fee.
Cash advance 0.00 Minimum payment warning: If you make only the minimum
Balance transfer 0.00 payment for each period, you will pay more in interest and it will take
Fees charged 0.00 you longer to pay off your balances. For example:
Interest charged 44.54
New balance $2,014.31 If you make no additional You will pay off ‘And you will
charges using this card the balance shown end up paying an
Past due amount 0.00 and each month you pay: on the statement estimated total
Credit limit $2,000.00 in about: of:
Available credit $0.00 Only the minimum payment 9 years $4807
Cash credit limit $400.00 $82 3 years $2952
Available cash $0.00 (savings $1855)
Statement closing date 12/26/2019
Days in billing cycle 31 For information regarding credit counseling services,
call 1-800-284-1706.
Account Questions? Need to make a payment? Want to know how to go paperless?
Visit Comenity.net/goodsamrewards or call 1-855-603-5666 (TDD/TTY 1-888-819-1918). Want to stay in the know with
ES credit tips and news? Visit us at facebook, com/askcomenity or at twitter com/askcomenity,
Please make check payable to: Your Good Sam Rewards Login to redeem your
COMENITY - GOOD SAM Good Sam Rewards points at:
REWARDS balance is 8,354 points* comenity.net/
goodsamrewards
Reminder: Credit card payments
are not accepted in store.
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
12/04/2019 SPEEDWAY 06559 CLEARWATER BEFL 6.50
12/12/2019 PAYMENT-THANK YOU -64.00
12/24/2019 WINN DIXIE #2448 PALMETTO FL 19.20
12/25/2019 PALMETTO CITGO. PALMETTO FL 17.49
12/25/2019 PALMETTO CITGO. PALMETTO FL 10.04
Fees
Total fees charged for this period $0.00
Interest charged
Interest charge on purchases $44.54
Interest charge on cash advance $0.00
Interest charge on balance transfer $0.00
Total interest for this period $44.54
wee eee eee eee nee NOTICE:
NOTICE: §See reverse sid fe= forfor important
important information,
information.
Please perforation above
Account
number sees snee_set_ 9078,
New balance Minimum payment
$2,014.31 $65.00
99
Payment must reach us by
LI Yes, | have moved or updated my
e-mail address - see reverse. Amount enclosed: 6 pm ET on 01/21/2020.
|Please make check payable to:
COMENITY - GOOD SAM REWARDS:
Te ee ee eee
JAMES GILLARD.
Please return this portion along with your payment to:
27 COTTONWOOD RD PO BOX 659820
ELIZAVILLE NY 12523-1305 SAN ANTONIO TX 78265-9120
MafggLogeg Elegy el Efe OfofpgyLonng Leaded fly vl
42001019 00013443 4323592009079078 gooo0b500 000201431
5 of 15
(FILED: COLUMBIA COUNTY CLERK 1271072022 ™TR:'6 nypo21017048
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021
"Subject
to credit approval. Offer is exclusive to Good Sam Rewards Visa® credit card Good Sam Rewards Visa® Credit Card accounts ae issued by Comenity Capital Bank,
holders enrolled the Good Sam Reward program. This rewards program is provided pursuant toa license from Visa® US.A. Inc. Visais a registered trademark of Visa
by Comenity Capital Bank and its tems may change at any time For fullRewards Intemational Service Association and used under license.
Terms and Conditions please see comenitynet/goodsarnrewardsvisa. ©2019 CW inc. & Good Sam Enterprises,LLC. CAMPING WORLD and the CAMPING
2 Subjectto credit approval. Offers exclusive
to Good Sam Rewards Visa® creditcard WORLD Logo are registered trademarks of CWI Inc. GOOD SAM and the GOOD SAM
holders enrolled in the Good Sam Rewards progam. Each merchant isassgneda ICON are registered trademarks of Good Sam Enterprises, LLC. Unauthorized
use of
code by a thie party that indicates the merchants area of business. Earrings
will only any oftheCW Inc and GSE, LLC trademarks is expressly prohibited Alright reserved
be awarded ifthe merchant code forthe purchase matches a category eligblefor
the offer. Comenity Capital
Bank does not have the abity to control assignment of
PORES Gi2 a
Keep this portion for your records. any net credit balance as a zero balance). This gives us the daily balance.
What To Do If You Think You Find A Mistake On Your Statement Then, we add up all the daily balances for the billing period and divide the
tolal by the number of days in the billing period. This gives us the “average
If you think there is an error on your statement, write to us at: Comenity daily balance,
Capital Bank PO Box 182620, Columbus, Ohio 43218-2620. In your letter, (MF) We figure the interest charge on this balance by applying the periodic
give us the following information: rate to the “average daily balance” for the billing period. To get
* Account information: Your name and account number, ‘average daily balance” we take the beginning balance each day, add any
© Dollar amount: The dollar amount of the suspected error, new fees and subtract any payments or credits (treating any net credit
* Description of Problem: If you think there is an erroron your bill balance as a zero balance). We do not add in any new transactions. This
describe what you believe is wrong and why you believe it is a mistake, gives us the daily balance. Then, we add all the daily balances for the
You must contact us within 60 days after the error appeared on your billing period together and divide the total by the numberof days in the
statement. You must notify us of any potential errors in writing. You may billing period. This gives us the “average daily balance.
call us, but if you do we are not required to investigate any potential errors CREDIT REPORTING We may report information about your account to
and you may have to pay the amount in question, While we investigate credit bureaus. Late payments, missed payments, or other defaults on your
whetheror not there has been an error, the following are true: account may be reflected in your credit report,
. We cannot try to collect the amount in question, or teport you as
delinquent on that amount. NOTICE OF CREDIT REPORT DISPUTES If you believe the account
‘The charge in question may remain on your statement, and we may information we reported to a consumer reporting agency is inaccurate, you
may submit a ditect dispute to Comenity Capital Bank PO Box 182120,
continue to chatge you interest on that amount. But, if we determine that Columbus, Ohio 43218-2120, Your wrilten dispule must provide sufficient
we made @ mistake, you will not have to pay the amount in question or information to identify the account and specify why the information is
any interest or other fees related to that amount, inaccurate:
While you do not have to pay the amount in question, you are responsible . Account Information: Your name and account number
for the remainderof your balance. . Contact Information: Your address and telephone number
. We can apply any unpaid amount against your credit limit. . Disputed Information: Identify the account information disputed and
Your Rights If You Are Dissatisfied With Your Credit Card Purchases \{ you explain why you believe it is inaccurate
ate dissatisfied with the goods or services that you have purchased with ‘Supporting Documentation: If available, provide a copy of the section of
your credit card, and you have tried in good faith to correct the problem the credit report showing the account information you are disputing
with the merchant, you may have the right not to pay the remaining amount We will investigate the disputed information and report the results to you
due on the purchase, To use this tight, all of the following must be true within 30 days of receipt of the information needed for our investigation. If
1. The purchase must have been made in your home state or within 100 we find that the account information we reported is inaccurate, we will
miles of your current mailing address, and the purchase price must have promptly provide the necessary correction to each consumer reporting,
been more than $50. (Note: Neither of these is necessary if your purchase agency to which we reported the information.
was based on an advertisement we mailed to you, or if we own the company PAYMENTS MARKED "PAID IN FULL". All written communications regarding
that sold you the goods or services.) disputed amounts that include any check or other payment instrument
2. You must have used your credit card for the purchase. Purchases made marked with “payment in full” or similar language, must be sent to: 6:
with cash advances from an ATM or with a check thal accesses your credit North Loop 1604 East, Suite 101, San Antonio, TX 78247-8004.
card account do not quality DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
3. You must nol yet have fully paid for the purchase, -We may accept payment sent to any other address without losing any of our
I all of the criteria above are met and you ate slill dissalisfied with the rights,
purchase, contact us in writingat: Comenity Capital Bank PO Box 182620, -No payment shall operate as an accord and satisfaction without prior
Columbus, Ohio 43218-2621 written approval
While we investigate, the same rules apply to the disputed amount as CUSTOMER SERVICE. Visit comenity.net/goodsamrewards or call
discussed above. AAfler we finish our investigation, we will tell you our 1-855-603-5666 [or the Good Sam Rewards Visa® Card and
decision. At that point, if we think you owe an amount and you do not pay 1-855-617-8084 for the Good Sam Rewards Visa Signature® Card
‘we may report you as delinquent. (IDD/TTY 1-888-819-1918)
PAYING INTEREST. Your due date is at least 25 days after the close of each TELEPHONE MONITORING. To provide you with high-quality service,
billing cycle. We will not charge you interest on purchases if you pay your phone communication with us is monitored and/or recorded.
entire balance by the due date each month, We will begin charging interest
on balance transfers and cash advances on the transaction date. We will ADDITIONAL INFORMATION. The following designations, when appearing,
begin to charge interest on new purchases made under a Low APR, Equal on the front of your statement, mean the following: V means variable rate
Payment or Budget Payment Credit Plan from the date of purchase, (this rate may vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT
REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV
BALANCE COMPUTATION METHOD. We calculate interest separately for INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ.
each balance using the method{(s) described below. The two letters in means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means
parentheses next to the Balance Subject to Interest Rate column in the DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
Interest Charge Calculation section on this statement corresponds to the INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL
following: PAYMENT. If you have a variable rate account, your periodic rates may vaty.
(DA) We figure the interest charge on this balance by applying the periodic You may pay all of your Account balance at any lime without penalty,
rate to the “daily balance” for each day in the billing period. To get Send all inquiries to: CUSTOMER SERVICE, PO Box 183003, Columbus,
daily balance” we take the beginning balance each day, add any new
transactions and fees and subtract any payments or credits (treating any net Ohio 43218-30
credit balance as a zero balance). This gives us the daily balance. Send all bankruptcy notices and related correspondence to Comenity
(DD) We figure the interest charge on this balance by applying the periodic Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, Ohio
rate to the “daily balance” for each day in the billing period. To get the 3218-31
‘daily balance” we take the beginning balance each day add any new fees NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
and subiract any payments or credits (treating any net credit balance as a check as payment, you authorize us either to use information from your
zero balance). We do not add any new transactions. This gives us the daily check to make a one-time electronic fund transfer from your account or to
balance. process the payment as a check transaction. When we use information from
(NA) This balance is not subject to periodic interest charges, thus there is your check lo make an electronic fund transfer, funds may be withdrawn
no balance computation method applie: from your account as soon as the same day we receive your payment, and
you will not receive your check back from your financial institution,
(MC) We figure the interest charge on this balance by applying the periodic
rate to the “average daily balance” for the billing period. To get the
‘average daily balance” we take the beginning balance each day, add any
new transactions and fees and subtract any payments or credils (treating,
PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format (outlined below) it
may nol be credited to your Account for up to five days, or may be rejected. Also, your payment must reach us by the payment cutoff time thal applies to
the payment method you select. This card is issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc, Visa is a registered trademark of
Visa U.S.A. Ine.
Correct Format. Correct formal for different payment methods include
Mailing or Overnight: Send a personal check, money order, traveler's check or cashier's check payable in U.S. dollats, to the name and address shown on
this Statement in the payment stub area containing your balance and minimum payment amount. Be sure fo include your payment stub, do not staple or
clip your payment to the stub, include your account numberon your check, use the envelope provided with your Statement, send one payment with one
payment stub and do not send any correspondence with your payment, You should overnight a payment to 6550 North Loop 1604 Fast, Suite 101, San
Antonio, TX 78247-6004 and the additional format requirement are the same as other mailed payments unless there is a dispute, in which case you follow
the Payments Marked "Paid in Full" section above. Do not send cash or gift certificates, PayBy Phoné fou can call us toll free at 1-855-617-8084
(Signature) or 1-858-603-5666 (Platinum) (TDD/TTY 1-888-819-1918) to make a payment by telephone, which may include a tee. Online jou can make a
Payment online al comenity.net/goodsamrewards.
Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the
following times: Mailing and Overnight: By 6:00 pm Eastem Time (ET); Pay By Phone: By 8:00 pm Eastern Time (FT); Online: By 8:00 pm
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 15
(FILED: COLUMBIA COUNTY CLERK 1271072022 ™TR:'6 nypo21017048
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021
PAGE
3 OF 4
2019 totals year to date
Total fees charged in 2019 $55.00
Total interest charged in 2019 $333.63
Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD
on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR. TO INTEREST RATE. CHARGE
Purchases 26.4900% (v) 1,979.62 (DA) 44.54
Cash advances 27.4900% (v) 0.00 (DA) 0.00
Important Reminder: If you make a purchase with this credit card using a promotional plan, the
promotional plan expiration date and payment due date may be different. This means that if you have any
remaining promotional plan balance after the promotional plan expiration date, the balance and any
accrued interest (if applicable), will move to your regular revolving plan on the next billing statement.
How to avoid or ize interest charges: Be sure to pay any promotional plan balance in full on
or before the plan expiration date shown in the “Details of your plans” section of your statement. Please
also keep an eye out for notifications of when your promotional plan(s) are nearing their expiration
date—you'll see them in the red box on page 1 of your statement. If you have questions, please call us
toll-free at 1-855-603-5666 (TDD/TTY: 1-888-819-1918). To learn more about how promotional plans work,
visit comenity.com/financial-education. We're always happy to help.
The Good Sam Rewards Visa® and Good Sam Rewards Visa Signature® Credit Cards are issued by
Comenity Capital Bank, pursuant to a license from Visa U.S.A. Ine.
The Good Sam Rewards program is provided by Comenity Capital Bank and its terms may discontinue or
change at any time. For full program terms and conditions, visit comenity.nel/goodsamrewards. Each
merchant is assigned a code by a third party that indicates the merchant's area of business. Bonus points
will only be awarded if the merchant code for the purchase matches a category eligible for the offer.
Comenity Capital Bank does not have the ability to control assignment of merchant codes.
*This number may not reflect all current earnings due to calculation delays. All earnings not reflected on
this statement will be reflected on your next billing statement. Please view the Points Summary or Reward
Details section at Comenity.net/goodsamrewards to view your complete point earnings balance
information.
Protect yourself against mail and phone consumer fraud.
http://about. usps.com/publications/pub281/welcome.htm
42001019 00013884 4323592009079078 gooo0b500 000201431
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PAGE
1 OF 4
Account no. HAF O7B New balance $2,749.23
Minimum payment due $591.00
Previous balance $2,654.04 Payment due date 10/21/2020
Payments 0.00
Other credits 0.00 Late payment warning
Purchases 0.00 If we do not receive your minimum payment by 10/21/2020 you may
Other debits 0.00 have to pay up to a $40.00 late fee.
Cash advance 0.00 Minimum payment warning: If you make only the minimum
Balance transfer 0.00 payment for each period, you will pay more in interest and it will take
Fees charged 40.00 you longer to pay off your balances. For example:
Interest charged 55.19
New balance $2,749.23 If you make no additional You will pay off ‘And you will
charges using this card the balance shown end up paying an
Past due amount 508.00 and each month you pay: on the statement estimated total
Credit limit $2,000.00 in about: of:
Available credit $0.00 Only the minimum payment 12 years $6853
Cash credit limit $0.00 For information regarding credit counseling services,
Available cash $0.00 call 1-800-284-1706.
Statement closing date 09/25/2020
Days in billing cycle 30
Skip signing in to pay and use Comenity's EasyPay. It's safe and convenient. Use your smartphone camera or code
readerto scan the QR code printed on your payment stub below to get started.
ES
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
Fees
09/21/2020 LATE FEE 40.00
Total fees charged for this period $40.00
Interest charged
Interest charge on purchases $55.19
Interest charge on cash advance $0.00
Interest charge on balance transfer $0.00
Total interest for this period $55.19
2020 totals year to date
Total fees charged in 2020 $280.00
Total interest charged in 2020 $454.92
Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD
on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR. TO INTEREST RATE. CHARGE
Purchases 24.9900% (v) 2,687.23 (DA) 55.19
Cash advances 25.9900% (v) 0,00 (DA) 0.00
wee eee eee eee nee NOTICE:
NOTICE: §See reverse side= forfor important
important information,
information.
Please perforation above
Account
i number sees snee_set_ 9078,
New balance Minimum payment
[Crerere ean) $2,749.23
994
$591.00
Payment must reach us by
LI Yes, | have moved or updated my
e-mail address - see reverse. Amount enclosed: 6 pm ET on 10/21/2020.
|Please make check payable to:
e e pele fey Ppl
COMENITY - GOOD SAM REWARDS:
Welle eee
JAMES GILLARD.
Please return this portion along with your payment to’
27 COTTONWOOD RD PO BOX 659820
ELIZAVILLE NY 12523-1305 SAN ANTONIO TX 78265-9120
fg le feng yf sogdie UU plant ely teade fay
42001019 00013129 4323592009079078 go00059100 0002744923
8 of 15
(FILED: COLUMBIA COUNTY CLERK 1271072022 ™TR:'6 nypo21017048
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021
Keep this portion for your records. any net credit balance as a zero balance). This gives us the daily balance.
What To Do If You Think You Find A Mistake On Your Statement Then, we add up all the daily balances for the billing period and divide the
tolal by the number of days in the billing period. This gives us the “average
If you think there is an error on your statement, write to us at: Comenity daily balance,
Capital Bank PO Box 182620, Columbus, Ohio 43218-2620. In your letter, (MF) We figure the interest charge on this balance by applying the periodic
give us the following information: rate to the “average daily balance” for the billing period. To get
* Account information: Your name and account number, ‘average daily balance” we take the beginning balance each day, add any
© Dollar amount: The dollar amount of the suspected error, new fees and subtract any payments or credits (treating any net credit
* Description of Problem: If you think there is an erroron your bill balance as a zero balance). We do not add in any new transactions. This
describe what you believe is wrong and why you believe it is a mistake, gives us the daily balance. Then, we add all the daily balances for the
You must contact us within 60 days after the error appeared on your billing period together and d
Preview
INDEX NO. E012021017048 (FILED: COLUMBIA COUNTY CLERK 1271072021 I1:16 AM NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021 SELLER Account Itemization Account Number 004323592009079078 Original Creditor COMENITY CAPITAL BANK f/k/a World Financial Network Bank Borrower’s Full Name JAMES GILLARD Client’s Name GOOD SAM Origination Date 4/1/2018 Last Payment Date 12/12/2019 Last Payment Amount $64 Charge Off Date 9/30/2020 Charge Off Balance $2749.23 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 MIDLAND CREDIT MANAGEMENT, INC Sale Date 10/23/2020 Balance at time of Sale $2749.23 1 of 15 INDEX NO. E£012021017048 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021 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. | am a/an employee of Comenity Servicing LLC, the affiliate servicer for Comenity Capital 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 Capital Bank to Midland Credit Management, Inc. (“Debt Buyer”), on 7293-02029 (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 15 INDEX NO. E012021017048 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021 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. COMENITY CAPITAL BANK rash Morgan A A foregoing instrument was cknowledged _, before me day this of Phe by a Moan > Authorized Agent of Coméni Servicing LLC, authorized agent of Comenity Capital Bank on behalf of said Bank. (Ch County of Franklin HEATHER L. KECK Attorney at Law NOT IARY PUBLIC, STATE OF OHIO it Date Section 147.03 O.R.C. 3 of 15 INDEX NO. E£012021017048 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021 EXHIBIT H CERTIFICATE OF CONFORMITY STATE OF Ohio COUNTY OF Franklin The undersigned does hereby certify that he 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 Heather Morgan named in the foregoing Affidavit of Sale of Account By Original Creditor taken before Heather L. Keck, 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. “Cpett Ford Date Hw 4 Heather J. Coy: Attorney at Law Admitted to practice in the State of Ohio Ohio Attorney Registration No: 0095168 4 of 15 021017048 NYS er AUN Mata Se cS A=) An 161 DYN a U)n Clara) A) TY Atn Lele U Sh (010 1 Clelele ST-V RU ERO Cte Oc cell G) 3 a REWARDS REWARDS REWARDS POINTS POINTS POINT for every $1 spent for every $1 spent on for every $1 spent on ‘on purchases at gas stations & private all other purchases our family of brands! campgrounds in the everywhere else Visa® USS. and Canada? is accepted’ WORE |ANDER SANDER See reverse for details PAGE 1 OF 4 EST tec Ua ed metered Ul arekel ui LageW LUKLL4 eGo) Account no. HAF O7B New balance $2,014.31 Minimum payment due $65.00 Previous balance $1,980.54 Payment due date 01/21/2020 Payments 64.00 Other credits 0.00 Late payment warning: Purchases 53.23 If we do not receive your minimum payment by 01/21/2020 you may Other debits 0.00 have to pay up to a $40.00 late fee. Cash advance 0.00 Minimum payment warning: If you make only the minimum Balance transfer 0.00 payment for each period, you will pay more in interest and it will take Fees charged 0.00 you longer to pay off your balances. For example: Interest charged 44.54 New balance $2,014.31 If you make no additional You will pay off ‘And you will charges using this card the balance shown end up paying an Past due amount 0.00 and each month you pay: on the statement estimated total Credit limit $2,000.00 in about: of: Available credit $0.00 Only the minimum payment 9 years $4807 Cash credit limit $400.00 $82 3 years $2952 Available cash $0.00 (savings $1855) Statement closing date 12/26/2019 Days in billing cycle 31 For information regarding credit counseling services, call 1-800-284-1706. Account Questions? Need to make a payment? Want to know how to go paperless? Visit Comenity.net/goodsamrewards or call 1-855-603-5666 (TDD/TTY 1-888-819-1918). Want to stay in the know with ES credit tips and news? Visit us at facebook, com/askcomenity or at twitter com/askcomenity, Please make check payable to: Your Good Sam Rewards Login to redeem your COMENITY - GOOD SAM Good Sam Rewards points at: REWARDS balance is 8,354 points* comenity.net/ goodsamrewards Reminder: Credit card payments are not accepted in store. TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT 12/04/2019 SPEEDWAY 06559 CLEARWATER BEFL 6.50 12/12/2019 PAYMENT-THANK YOU -64.00 12/24/2019 WINN DIXIE #2448 PALMETTO FL 19.20 12/25/2019 PALMETTO CITGO. PALMETTO FL 17.49 12/25/2019 PALMETTO CITGO. PALMETTO FL 10.04 Fees Total fees charged for this period $0.00 Interest charged Interest charge on purchases $44.54 Interest charge on cash advance $0.00 Interest charge on balance transfer $0.00 Total interest for this period $44.54 wee eee eee eee nee NOTICE: NOTICE: §See reverse sid fe= forfor important important information, information. Please perforation above Account number sees snee_set_ 9078, New balance Minimum payment $2,014.31 $65.00 99 Payment must reach us by LI Yes, | have moved or updated my e-mail address - see reverse. Amount enclosed: 6 pm ET on 01/21/2020. |Please make check payable to: COMENITY - GOOD SAM REWARDS: Te ee ee eee JAMES GILLARD. Please return this portion along with your payment to: 27 COTTONWOOD RD PO BOX 659820 ELIZAVILLE NY 12523-1305 SAN ANTONIO TX 78265-9120 MafggLogeg Elegy el Efe OfofpgyLonng Leaded fly vl 42001019 00013443 4323592009079078 gooo0b500 000201431 5 of 15 (FILED: COLUMBIA COUNTY CLERK 1271072022 ™TR:'6 nypo21017048 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021 "Subject to credit approval. Offer is exclusive to Good Sam Rewards Visa® credit card Good Sam Rewards Visa® Credit Card accounts ae issued by Comenity Capital Bank, holders enrolled the Good Sam Reward program. This rewards program is provided pursuant toa license from Visa® US.A. Inc. Visais a registered trademark of Visa by Comenity Capital Bank and its tems may change at any time For fullRewards Intemational Service Association and used under license. Terms and Conditions please see comenitynet/goodsarnrewardsvisa. ©2019 CW inc. & Good Sam Enterprises,LLC. CAMPING WORLD and the CAMPING 2 Subjectto credit approval. Offers exclusive to Good Sam Rewards Visa® creditcard WORLD Logo are registered trademarks of CWI Inc. GOOD SAM and the GOOD SAM holders enrolled in the Good Sam Rewards progam. Each merchant isassgneda ICON are registered trademarks of Good Sam Enterprises, LLC. Unauthorized use of code by a thie party that indicates the merchants area of business. Earrings will only any oftheCW Inc and GSE, LLC trademarks is expressly prohibited Alright reserved be awarded ifthe merchant code forthe purchase matches a category eligblefor the offer. Comenity Capital Bank does not have the abity to control assignment of PORES Gi2 a Keep this portion for your records. any net credit balance as a zero balance). This gives us the daily balance. What To Do If You Think You Find A Mistake On Your Statement Then, we add up all the daily balances for the billing period and divide the tolal by the number of days in the billing period. This gives us the “average If you think there is an error on your statement, write to us at: Comenity daily balance, Capital Bank PO Box 182620, Columbus, Ohio 43218-2620. In your letter, (MF) We figure the interest charge on this balance by applying the periodic give us the following information: rate to the “average daily balance” for the billing period. To get * Account information: Your name and account number, ‘average daily balance” we take the beginning balance each day, add any © Dollar amount: The dollar amount of the suspected error, new fees and subtract any payments or credits (treating any net credit * Description of Problem: If you think there is an erroron your bill balance as a zero balance). We do not add in any new transactions. This describe what you believe is wrong and why you believe it is a mistake, gives us the daily balance. Then, we add all the daily balances for the You must contact us within 60 days after the error appeared on your billing period together and divide the total by the numberof days in the statement. You must notify us of any potential errors in writing. You may billing period. This gives us the “average daily balance. call us, but if you do we are not required to investigate any potential errors CREDIT REPORTING We may report information about your account to and you may have to pay the amount in question, While we investigate credit bureaus. Late payments, missed payments, or other defaults on your whetheror not there has been an error, the following are true: account may be reflected in your credit report, . We cannot try to collect the amount in question, or teport you as delinquent on that amount. NOTICE OF CREDIT REPORT DISPUTES If you believe the account ‘The charge in question may remain on your statement, and we may information we reported to a consumer reporting agency is inaccurate, you may submit a ditect dispute to Comenity Capital Bank PO Box 182120, continue to chatge you interest on that amount. But, if we determine that Columbus, Ohio 43218-2120, Your wrilten dispule must provide sufficient we made @ mistake, you will not have to pay the amount in question or information to identify the account and specify why the information is any interest or other fees related to that amount, inaccurate: While you do not have to pay the amount in question, you are responsible . Account Information: Your name and account number for the remainderof your balance. . Contact Information: Your address and telephone number . We can apply any unpaid amount against your credit limit. . Disputed Information: Identify the account information disputed and Your Rights If You Are Dissatisfied With Your Credit Card Purchases \{ you explain why you believe it is inaccurate ate dissatisfied with the goods or services that you have purchased with ‘Supporting Documentation: If available, provide a copy of the section of your credit card, and you have tried in good faith to correct the problem the credit report showing the account information you are disputing with the merchant, you may have the right not to pay the remaining amount We will investigate the disputed information and report the results to you due on the purchase, To use this tight, all of the following must be true within 30 days of receipt of the information needed for our investigation. If 1. The purchase must have been made in your home state or within 100 we find that the account information we reported is inaccurate, we will miles of your current mailing address, and the purchase price must have promptly provide the necessary correction to each consumer reporting, been more than $50. (Note: Neither of these is necessary if your purchase agency to which we reported the information. was based on an advertisement we mailed to you, or if we own the company PAYMENTS MARKED "PAID IN FULL". All written communications regarding that sold you the goods or services.) disputed amounts that include any check or other payment instrument 2. You must have used your credit card for the purchase. Purchases made marked with “payment in full” or similar language, must be sent to: 6: with cash advances from an ATM or with a check thal accesses your credit North Loop 1604 East, Suite 101, San Antonio, TX 78247-8004. card account do not quality DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE. 3. You must nol yet have fully paid for the purchase, -We may accept payment sent to any other address without losing any of our I all of the criteria above are met and you ate slill dissalisfied with the rights, purchase, contact us in writingat: Comenity Capital Bank PO Box 182620, -No payment shall operate as an accord and satisfaction without prior Columbus, Ohio 43218-2621 written approval While we investigate, the same rules apply to the disputed amount as CUSTOMER SERVICE. Visit comenity.net/goodsamrewards or call discussed above. AAfler we finish our investigation, we will tell you our 1-855-603-5666 [or the Good Sam Rewards Visa® Card and decision. At that point, if we think you owe an amount and you do not pay 1-855-617-8084 for the Good Sam Rewards Visa Signature® Card ‘we may report you as delinquent. (IDD/TTY 1-888-819-1918) PAYING INTEREST. Your due date is at least 25 days after the close of each TELEPHONE MONITORING. To provide you with high-quality service, billing cycle. We will not charge you interest on purchases if you pay your phone communication with us is monitored and/or recorded. entire balance by the due date each month, We will begin charging interest on balance transfers and cash advances on the transaction date. We will ADDITIONAL INFORMATION. The following designations, when appearing, begin to charge interest on new purchases made under a Low APR, Equal on the front of your statement, mean the following: V means variable rate Payment or Budget Payment Credit Plan from the date of purchase, (this rate may vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV BALANCE COMPUTATION METHOD. We calculate interest separately for INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ. each balance using the method{(s) described below. The two letters in means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means parentheses next to the Balance Subject to Interest Rate column in the DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER Interest Charge Calculation section on this statement corresponds to the INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL following: PAYMENT. If you have a variable rate account, your periodic rates may vaty. (DA) We figure the interest charge on this balance by applying the periodic You may pay all of your Account balance at any lime without penalty, rate to the “daily balance” for each day in the billing period. To get Send all inquiries to: CUSTOMER SERVICE, PO Box 183003, Columbus, daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credits (treating any net Ohio 43218-30 credit balance as a zero balance). This gives us the daily balance. Send all bankruptcy notices and related correspondence to Comenity (DD) We figure the interest charge on this balance by applying the periodic Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, Ohio rate to the “daily balance” for each day in the billing period. To get the 3218-31 ‘daily balance” we take the beginning balance each day add any new fees NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a and subiract any payments or credits (treating any net credit balance as a check as payment, you authorize us either to use information from your zero balance). We do not add any new transactions. This gives us the daily check to make a one-time electronic fund transfer from your account or to balance. process the payment as a check transaction. When we use information from (NA) This balance is not subject to periodic interest charges, thus there is your check lo make an electronic fund transfer, funds may be withdrawn no balance computation method applie: from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution, (MC) We figure the interest charge on this balance by applying the periodic rate to the “average daily balance” for the billing period. To get the ‘average daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credils (treating, PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format (outlined below) it may nol be credited to your Account for up to five days, or may be rejected. Also, your payment must reach us by the payment cutoff time thal applies to the payment method you select. This card is issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc, Visa is a registered trademark of Visa U.S.A. Ine. Correct Format. Correct formal for different payment methods include Mailing or Overnight: Send a personal check, money order, traveler's check or cashier's check payable in U.S. dollats, to the name and address shown on this Statement in the payment stub area containing your balance and minimum payment amount. Be sure fo include your payment stub, do not staple or clip your payment to the stub, include your account numberon your check, use the envelope provided with your Statement, send one payment with one payment stub and do not send any correspondence with your payment, You should overnight a payment to 6550 North Loop 1604 Fast, Suite 101, San Antonio, TX 78247-6004 and the additional format requirement are the same as other mailed payments unless there is a dispute, in which case you follow the Payments Marked "Paid in Full" section above. Do not send cash or gift certificates, PayBy Phoné fou can call us toll free at 1-855-617-8084 (Signature) or 1-858-603-5666 (Platinum) (TDD/TTY 1-888-819-1918) to make a payment by telephone, which may include a tee. Online jou can make a Payment online al comenity.net/goodsamrewards. Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the following times: Mailing and Overnight: By 6:00 pm Eastem Time (ET); Pay By Phone: By 8:00 pm Eastern Time (FT); Online: By 8:00 pm 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 15 (FILED: COLUMBIA COUNTY CLERK 1271072022 ™TR:'6 nypo21017048 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021 PAGE 3 OF 4 2019 totals year to date Total fees charged in 2019 $55.00 Total interest charged in 2019 $333.63 Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement. TYPE OF BALANCE SUBJECT INTEREST BALANCE APR. TO INTEREST RATE. CHARGE Purchases 26.4900% (v) 1,979.62 (DA) 44.54 Cash advances 27.4900% (v) 0.00 (DA) 0.00 Important Reminder: If you make a purchase with this credit card using a promotional plan, the promotional plan expiration date and payment due date may be different. This means that if you have any remaining promotional plan balance after the promotional plan expiration date, the balance and any accrued interest (if applicable), will move to your regular revolving plan on the next billing statement. How to avoid or ize interest charges: Be sure to pay any promotional plan balance in full on or before the plan expiration date shown in the “Details of your plans” section of your statement. Please also keep an eye out for notifications of when your promotional plan(s) are nearing their expiration date—you'll see them in the red box on page 1 of your statement. If you have questions, please call us toll-free at 1-855-603-5666 (TDD/TTY: 1-888-819-1918). To learn more about how promotional plans work, visit comenity.com/financial-education. We're always happy to help. The Good Sam Rewards Visa® and Good Sam Rewards Visa Signature® Credit Cards are issued by Comenity Capital Bank, pursuant to a license from Visa U.S.A. Ine. The Good Sam Rewards program is provided by Comenity Capital Bank and its terms may discontinue or change at any time. For full program terms and conditions, visit comenity.nel/goodsamrewards. Each merchant is assigned a code by a third party that indicates the merchant's area of business. Bonus points will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Comenity Capital Bank does not have the ability to control assignment of merchant codes. *This number may not reflect all current earnings due to calculation delays. All earnings not reflected on this statement will be reflected on your next billing statement. Please view the Points Summary or Reward Details section at Comenity.net/goodsamrewards to view your complete point earnings balance information. Protect yourself against mail and phone consumer fraud. http://about. usps.com/publications/pub281/welcome.htm 42001019 00013884 4323592009079078 gooo0b500 000201431 7 of 15 (FILED: COLUMBIA COUNTY CLERK 1271072022 ™TR:'6 nypo21017048 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021 PAGE 1 OF 4 Account no. HAF O7B New balance $2,749.23 Minimum payment due $591.00 Previous balance $2,654.04 Payment due date 10/21/2020 Payments 0.00 Other credits 0.00 Late payment warning Purchases 0.00 If we do not receive your minimum payment by 10/21/2020 you may Other debits 0.00 have to pay up to a $40.00 late fee. Cash advance 0.00 Minimum payment warning: If you make only the minimum Balance transfer 0.00 payment for each period, you will pay more in interest and it will take Fees charged 40.00 you longer to pay off your balances. For example: Interest charged 55.19 New balance $2,749.23 If you make no additional You will pay off ‘And you will charges using this card the balance shown end up paying an Past due amount 508.00 and each month you pay: on the statement estimated total Credit limit $2,000.00 in about: of: Available credit $0.00 Only the minimum payment 12 years $6853 Cash credit limit $0.00 For information regarding credit counseling services, Available cash $0.00 call 1-800-284-1706. Statement closing date 09/25/2020 Days in billing cycle 30 Skip signing in to pay and use Comenity's EasyPay. It's safe and convenient. Use your smartphone camera or code readerto scan the QR code printed on your payment stub below to get started. ES TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT Fees 09/21/2020 LATE FEE 40.00 Total fees charged for this period $40.00 Interest charged Interest charge on purchases $55.19 Interest charge on cash advance $0.00 Interest charge on balance transfer $0.00 Total interest for this period $55.19 2020 totals year to date Total fees charged in 2020 $280.00 Total interest charged in 2020 $454.92 Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement. TYPE OF BALANCE SUBJECT INTEREST BALANCE APR. TO INTEREST RATE. CHARGE Purchases 24.9900% (v) 2,687.23 (DA) 55.19 Cash advances 25.9900% (v) 0,00 (DA) 0.00 wee eee eee eee nee NOTICE: NOTICE: §See reverse side= forfor important important information, information. Please perforation above Account i number sees snee_set_ 9078, New balance Minimum payment [Crerere ean) $2,749.23 994 $591.00 Payment must reach us by LI Yes, | have moved or updated my e-mail address - see reverse. Amount enclosed: 6 pm ET on 10/21/2020. |Please make check payable to: e e pele fey Ppl COMENITY - GOOD SAM REWARDS: Welle eee JAMES GILLARD. Please return this portion along with your payment to’ 27 COTTONWOOD RD PO BOX 659820 ELIZAVILLE NY 12523-1305 SAN ANTONIO TX 78265-9120 fg le feng yf sogdie UU plant ely teade fay 42001019 00013129 4323592009079078 go00059100 0002744923 8 of 15 (FILED: COLUMBIA COUNTY CLERK 1271072022 ™TR:'6 nypo21017048 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/10/2021 Keep this portion for your records. any net credit balance as a zero balance). This gives us the daily balance. What To Do If You Think You Find A Mistake On Your Statement Then, we add up all the daily balances for the billing period and divide the tolal by the number of days in the billing period. This gives us the “average If you think there is an error on your statement, write to us at: Comenity daily balance, Capital Bank PO Box 182620, Columbus, Ohio 43218-2620. In your letter, (MF) We figure the interest charge on this balance by applying the periodic give us the following information: rate to the “average daily balance” for the billing period. To get * Account information: Your name and account number, ‘average daily balance” we take the beginning balance each day, add any © Dollar amount: The dollar amount of the suspected error, new fees and subtract any payments or credits (treating any net credit * Description of Problem: If you think there is an erroron your bill balance as a zero balance). We do not add in any new transactions. This describe what you believe is wrong and why you believe it is a mistake, gives us the daily balance. Then, we add all the daily balances for the You must contact us within 60 days after the error appeared on your billing period together and d