Preview
02D03-2312-CC-002967 Filed: 12/19/2023 5:47 PM
Clerk
STATE OF INDIANA ) Ale Niporioecousa-— COURT Allen County, Indiana
SS: KG
COUNTY OF ALLEN ) Case Number:
PORTFOLIO RECOVERY ASSOCIATES, LLC,
Plaintiff,
vs.
JESSICA A MOONEYHAN,
Defendant.
COMPLAINT
Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC, by counsel, states the following for its
Complaint.
1 Defendant, JESSICA A MOONEYHAN (hereafter “Defendant”), at Defendant's request, was
granted an extension of credit from CITIBANK, N.A., issued to Defendant as a(n) CITIBANK, N.A./ MEIJER
credit account ending in XXX XXXXXXXXXX 0987 (hereafter “the Account”).
2 PORTFOLIO RECOVERY ASSOCIATES, LLC purchased the Account from CITIBANK, N.A.
and is the owner of the Account.
3 Defendant has not paid the balance due and owing on the Account despite Plaintiff and Plaintiff s
assignor’s demands for payment, and therefore, the Account is in default.
4 Defendant owes Plaintiff $1,678.00 as shown on the attached Exhibit.
WHEREFORE, Plaintiff respectfully requests judgment against Defendant for the sums set forth above,
plus any filing fees, service fees, and other recoverable costs to which it may be entitled.
Respectfully submitted,
By: /s/ Virginia Beth Albright
Virginia Beth Albright, Esq. Bar No. 29678-85
Christopher M. Manhart, Esq. Bar No. 26729-49
Matthew Kunkle, Esq. Bar No. 25955-15
Nicole D. Manhart, Esq. Bar No. 29148-64
Attorneys for Plaintiff
Portfolio Recovery Associates, LLC
120 Corporate Blvd
Norfolk, VA 23502
Phone: 866/428-8102
www.PRApay.com
LitigationFilingIN@ portfoliorecovery.com
Indiana_RA @portfoliorecovery.com
834016
AFFIDAVIT OF DEBT
The undersigned affiant states the following:
I Freakin There , am of adult age, am a designated full-time employee
of Portfolio Recovery Ass ciates, LLC ("Plaintiff") and am fully authorized by Plaintiff to
make the following representations. 1 am familiar with the ecord keeping practices of
Plaintiff. The following representations are true according to documents kept in the normal
course of Plaintiffs busin and/or my personal knowledge:
Plaintiff has obtained this debt from CITIBANK, N.A. and the original owner of this
debt was CITIBANK, N.A.. Evidence of the debt required in Indiana Trial Rule
A)(2 s attached as one or more Exhibits to tl Affidavit.
JESSICA A MOONEYHAN, Defendant(s), has an unpaid balance of $1,678.00 on
account ending in 0987. That amount is due and owing to Plaintiff.
The account was opened on 11/27/2015.
The last payment from Defendant(s) was received on 05/20/2022 in the amount of
$236.00
The type of account is:
i y Credit account (i.e. Visa, Mastercard, Department Store, etc.)
The nam of the Company/Store issuing the credit account is
CITIBANK, N.A./MEIJER.
is oO Other: (Please explain) a
6. The account balance includes:
1 ® No late fees after 12/09/2022.
il. w Interest at the rate of 0.00% beginning on 12/09/2022.
Plaintiffis not seeking attorney fees.
Plaintiff believes that Defendant(s) is not a minor or an incompetent individual(s).
9. If the Defendant(s) is an individual, Plaintiff states and declares that Defendant(s) is
not on active military service. Plaintiff's statement that Defendant(s) is not on active
military service is based upon a review of the Department of Defense website.
ate
("Active military service" includes fulltime duty in the military (including the
National Guard and reserves) and, for members of the National Guard, service
unde a call to active service authorized by the President or Secretary of
Defense. For further information, see the definition of "military service" in the
Servicemembers Civil Relief Act, as amended, 50 U.S.C.A. Appx. §521.)
10. The following exhibits are attached regarding the account:
i oO Copy of the contract or other writing evidencing the original debt
is attached.
il ® A charge-off statement and/or monthly statement recording the
most recent purchase transaction, payment, or balance transfer.
iil. ® Bill(s) of Sale and Assignment and/or Affidavit(s) of Sale for the
above referenced sale(s) of the account.
iv w Seller data sheet reflecting the individual account data
extracted and printed from electronic records provided by the seller to
Plaintiff pursuant to the Bill of Sale/Assignment in connection with the
sale of the account to Plaintiff.
The documents attached hereto are true and correct copies of the originals, being
a reproduction of the records on file on behalfof Plaintiff based upon my review,
except to the extent that confidential and privileged information and/or personal
identifying information is omitted or redacted as required by local rules, and
applicable state and federal law.
11. Prior ownership of the debt:
Owner Date of Defendant’s name Account
Sale number
CITIB: 01/23/2023 JESSICA A MOONEYHAN *0987
eee
cenca ens gta
12. The account information includes:
Charge off date: 12/09/2022
Charge off creditor: CITIBANK, N.A.
= Unpaid balance: $1,678.00
Date of last payment and amount: 05/20/2022 $236.00
Date account was opened: 11/27/2015
Account number: *0987
Date debtor defaulted on the account: 01/05/2022
h. Interest rate requested: 0.00% following the charge off date, 12/09/2022
Type of account (e.g. Visa, department CREDIT ACCOUNT
store):
Late fees, over-limit fees, and any other No fees are requested following the charge off date.
fee requested along with a monthly 12/09/2022
breakdown of each amount:
I swear or affirm under the penalties of perjury that the foregoing representations are true.
Dated: otMil L023 Signature of Affiant: InZ,—
Account Statement
‘Send Notice of Billing Errors and Customer Service Inquiries to:
meijer
Customer Service: MEWER CREDIT CARD
PO Box 6403, Sioux Falls, SD §7117-6403,
meljer.
El Account Inquiries:
1-833-990-1287 (TTY: 711) Account nbe:
ae aS 7
(Summary of Account Activity (Payment Information
Previous Balance $1,599.88 New Balance $1,678.00
Payments -$0.00 Minimum Payment Due $687.00
Other Credits -$0.00 Payment Due Date January 4, 2023
Purchases. +$0.00
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$40.00 date listed above, you may have to pay alate fee up to $40.
Interest Charged +$38.12 Minimum Payment Warning: If you make only the minimum payment each
New Balance $1,678.00 period, you will pay more in interest and it will take you longer to pay off your
balance. For example
$592.00 _) {i you make no additional You will pay off the T| ‘And you will
|
Past Due Amount
| charges using this card balance shown on this | end up paying an
and each month you ai
pay... pers
| statement in about [ estimated Sai
total of.
a
$2,652
|
(Credit Limit $0.00 | Only the minimum payment | 6 years
Available Credit $0.00 3 years | $2,490
| $69
(Savings=$162)
Amount Over Credit Limit $428.00 l
Statement Closing Date 12/08/2022 Ifyou would like information about credit counseling services, call 1-877-337-818
(TTY: 711)
Next Statement Closing Date 01/08/2023
\Days in Billing Cycle a)
Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
payment will not be reflected until your next statement.
Please update your phone number, including cell phone number on the back of the payment coupon
TRANSACTIONS
Trans Date Description Reference # Amount
FEES
12/04 LATE FEE 40.00
TOTAL FEES FOR THIS PERIOD 40.00
INTEREST CHARGED
12/08 INTEREST CHARGE ON PURCHASES 38.12
TOTAL INTEREST FOR THIS PERIOD 38.12
aMs3
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A.
ss ai... Please detach anan
Peskaidetach lower portion wiw
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meijer
Your Account Number is)
=e
0987
IMI NUN January 4, 2023
Payment Due Date
New Balance $1,678.00
Pay your bill and more via your
PO BOX 6403 Account Online Past Due Amount $592.00
SIOUX FALLS, SD 5: 6403
Minimum Payment Due $687.00
Statement Enclosed meijer.accountonline.com
Amount Enclosed: $
.
TPast Due Amount is included in the Minimum Payment Due.
Please print address changes on the reverse side.
Make Checks Payable tow
MEIJER CREDIT CARD
JESSICA A MOONEYHAN PO BOX 9001006
1446 LONE OAK BLVD LOUISVILLE, KY 40290-1006
FORT WAYNE, IN 46818-0052
Information About Your Account. + Crediting Payments other than by Mail. The payment cutoff time for Online bill
How to Avoid Paying Interest on Purchases. Your payment cue date is at least 25 days payments, Phone payments, and Express Mail payments is midnight Eastern time. This
after the close of each billing cycle. We will not charge you any interest on purchases if means that we will credit your account as of the calendar day, based on Eastern time,
you pay your New Balance by the payment due date each month. This is called a grace that we receive your payment request.
period on purchases. To get a grace period on purchases you must pay the New Balance by If you send an eligible check with this payment coupon, you authorize us tocomplete
the payment due date every billing cycle. If you donot, you will not get a grace period on your payment by electronic debit. If we do, the checking account will be de red in the
purchases until you pay the New Balance in full for two billing cycles in arow. amount on the check. We may do this as soon as the day we receive the check. Also, the
Hf you have a balance subject toa deferred interest promotion and that promotion does check will be destroyed.
not expire before the payment due date, that balance(an “excluded balance") is excluded Credit Reporting Disputes. We may report information about your account to credit
from the amount you must pay in full to get a grace period on a purchase balance other bureaus. if you think we reported inaccurate information, please write usat: Credit Bureau
than an excluded balance. However, you must still pay any separately required payment on Dispute Verification, P.O. Box 6497, Sioux Falls, SD $7117.
the excluded balance. In billing cycies in which payments are allocated to deferred interest
balances first, the deferred interest balance will be reduced before any other balanceon Report a Lost or Stolen Card Immediately. Call the Account inquiries number shown on
the account. However, you will continue to get a grace period on purchases, other thanan Pagel.
excluded balance, so long as you pay the New Balance (less any excluded balance, plus any What To Do If You Think You Find A Mistake On Your Statement. if you think there isan
separately required payment on an excluded balance) in full by the payment due date each error on your statement, write to us at the address for billing errors and customer service
billing cycle. inquiries shown on Page 1 of your statement
In addition, certain promotional offers not described above may also allow you to have a In your letter, give us the following information’
grace period on purchases without having to pay all or a portion of the promotional balance
by the payment due date. If that is the case, the promotional offer will describe what 1, Account information: Your name and account number.
happens. 2, Dollar amount: The dollar amount of the suspected error.
HowWe Calcul: '¢ Your Balance Subject to Interest Rat Weuse a daily balance method 3. Description of Problem: if you think there is an error on your bill, describe what you
(including current transactions} to calculate interest charges. To find out more information believe is wrong and why you believe it is a mistake.
about the balance computation method and how the resulting interest charges were Youmust contact us within 60 days after the error appeared on your statement.
determined, contact us at the Account Inquiries numberon the front.
You must notify us of any potential errorsin writing. You may call us, but if you do we are not
Other Account and Payment Information. required to investigate any potential errors and you may have to pay the amount in question,
Payment Amount. You may pay all or part of your account balanceat any time. However, While we investigate whether or not there has been an error, the following are true’
you must pay, by the payment due date, at least the minimum payment due
When Your Payment Will Be Credited. If we receive your payment in proper form at our + We cannot tryto collect the amount in question, or report you as delinquent on that
processing facility by 5 p.m. local time there, it will be credited as of that day. A payment amount.
received there in proper form after that time will be credited as of the next day. Allow 5 + The charge in question may remain on your statement, and we may continue to charge
to7 days for payments by regular mail to reach us. There may be a delay of upto'5 days you interest on that amount. But, if we determine that we made a mistake, you will not
in crediting a payment we receive that is not in proper form or is not sent to the correct have to pay the amount in question or any interest or other fees related to that amount.
address. The correct address for regular mail is the address on the front of the payment + While you do not have to pay the amount in question, you are responsible for the
coupon, The correct addressfor express mail is shown in the Express Mail section. remainder of your balance.
Proper Form. For a payment sent by mail or courier to be in proper form, you must: + We can apply any unpaid amount against your credit limit.
+ Enclose a valid check or money order. No cash, gift cards, or foreign currency please. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. if you are
dissatisfied with the goods or services that you have purchased with your credit card, and
+ Include your name and the last four digits of your account number, youhave tried in good faith to correct the problem with the merchant, you may have the
Payment Other Than By Mail. Fight not to pay the remaining amount due on the purchase.
+ In-Store (Where Available). Any payment in proper form accepted in-store willbe To use this right,all of the following must be true:
credited as of that day. However, credit availability may be subject to verification 1 The purchase must have been made in your home state or within 100 miles of your current
of funds. Not all stores accept payments. Contact your local store to see if in-store mailing address, and the purchase price must have been more than $50. (Note: Neither of
payments are accepted at that location these are necessary if your purchase was based on an advertisement we mailed to you, or
Online/AutoPay. Go to the URL on Page 1 of your statement to make a payment online. if we own the company that sold you the goods or services.)
You can also enroll in AutoPay and have your payment amount automatically deducted You must have used your credit card for the purchase. Purchases made with cash
each month from the payment account you choose. advances from an ATM or with a check that accesses your credit card account donot
Phone. Call the phone number on Page tof your statement to make a payment by quality.
phone. For phone payments, you authorize us to electronically debit your specified bank
account by an ACH transaction in the amount and on the date that you indicateon the 3. Youmust not yet have fully paid for the purchase.
phone. You may cancel a phone payment by calling us at the Customer Service number If all of the criteria above are met and you arestill dissatisfied with the purchase, contact us
at the top of Page 1 within the time period disclosed to you on the phone. There is no fee in. writing at the address for billing errors and customer service inquiries shown on Page of
for making a payment using our automated voice response system your statement.
Agent-Assisted Phone Payments. |f you callusto make a payment with the assistance While we investigate, the same rules apply to the disputed amount as discussed above. After
ofa live agent, the payment will be applied the same day and you will be charged a $5.00 we finish our investigation, we will tell you our decision. At that point, if we think
you owe an
agent expedited payment fee. amount and you do not pay, we may report you as delinquent.
Express Mail. Send payment by express mail to: Consumer Payment Dept., 6716 Grade
Lane, Building 9, Suite 910, Louisville, KY 40213, Meijer PLNA FEB20
IN Md ~ 9319-3700-0000
/B/- N1 - MEIJER - JOI-E-0-X-47 10I-P- - 0-N4E/-7- z -N- -0-0-F/- 01/08/22 - 11/01/15 - 85 - November 7, 2022
AGI-N+ = + oHl-O- -2N2B-Vie = =O» O- = ofdie = = =2101M- -0721-
Page 2 of 4
Please provide change of address and update/add your
phone numbers’ here: (Use blue or black ink.)
"Cell: *Home:
“Phone: By giving us a cell number or a number later converted toa
cell number, you agree that we or our service providers can contact
you at that number by autodialer, recorded or artificial voice, or a text
Your phone plan charges may apply
Account: **** **** **** 0987
2022Te Is r-to-Date
Total Fees Charged in 22 $478 oF
Total Interest Charged in 2022 $346.14
ACTIVITY AND PROMOTIONS DETAIL
Original Purchases,
Promotion Promo Payments Cash Adv, Promotion Deferred Promotion
Trans Trans Previous & Other Fees Interest New Minimum Interest Expiration
Amount Date Balance Credits Other Debits Charged nce__ Payment Due Charges Date
PURCHASES
REGULAR
$1,599.88 $40.00 $38.12 $1,678.00
TOTAL $1,599.88 ‘$0.00 $40.00 38.12 $1,678.00 $0.00 3000
INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge
PURCHASES:
REGULAR 27.74% (M)(V) $1,618.25 $38.12
(V) = Variable Rate
Page 3 of 4
ae
THIS PAGE INTENTIONALLY LEFT BLANK
Page 4 of 4
Contract ID: PRSMUMAA081320
Addendum ID: PRSMUMAA081320C3
Document ID: 011223PRIMU1IFMB1
BILL OF SALE AND ASSIGNMENT
July 2018 Oils & RPL Fresh Flow Accounts
THIS BILL OF SALE AND ASSIGNMENT dated January 23, 2023, is by Citibank, N.A., a
national banking association organized under the laws of the United States, located at 5800 South
Corporate Place, Sioux Falls, SD 57108 (the "Bank") to Portfolio Recovery Associates, LLC,
organized under the laws of the state of Delaware, with its headquarters/principal place of business
at 120 Corporate Boulevard, Norfolk, VA 23502 ("Buyer")
For value received and subject to the terms and conditions of the Master Purchase and Sale
Agreement dated August 13, 2020 and Addendum No. 3 dated August 13, 2020, between Buyer
and the Bank as amended, restated, or otherwise modified from time to time (the "Agreement"),
the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer,
and to Buyer's successors and assigns, the Accounts described in Exhibit | and the final electronic
file.
Citibank, N.A.
By:
(Signature)
Name: _ Brandy Reardon
Title: Authorized Party
PRA 081320
Contract ID: PR3MUMAA081320
Addendum ID: PRSMUMAA081320C3
Document ID: 011223PRIMUIFMA1L
EXHIBIT 1
ASSET SCHEDULE
The individual Accounts transferred are described in the final electronic file and delivered by the
Bank to Buyer, the same deemed attached hereto by this reference
# of Sale Cut-Off
Lot Sale ID Accounts Sale Balance Rate Date
Oils and
RPL Fresh
Flow 011223PRIMU1FM i 1/12/2023
PRA 081320
Sale File: PORTREC_PRA-OILS-RPL-FRESH-FLOW-0123.XLSX
santeKeeet# 0987
ACCOUNT NUMBER
PRIOR ACCOUNT NUMBER HIATTBD
PRIOR ACCOUNT NUMBER wen
PRIOR ACCOUNT NUMBER
PRIOR ACCOUNT NUMBER
PRIOR ACCOUNT NUMBER
DM9 ACCOUNT NUMBER eH OOBT
CU ACCOUNT NUMBER Hn HIRAHIEOOBT
RRRIAAHIRIHT
ED 4
CROSS NUMBER 14
waRHHEEAOOOO
CROSS NUMBER 2
seEHHIEEHOOOO
CROSS NUMBER 3
CONSUMER FIRST AND JESSICA A
MIDDLE NAME
CONSUMER LAST NAME MOONEYHAN
FOOT IIE
CONSUMER SSN OR SIN
CONSUMER BIRTH DATE **/**/1985
CONSUMER RESIDENCE 1446 LONE OAK BLVD
ADDRESS 1
CONSUMER RESIDENCE
ADDRESS 2
CONSUMER RESIDENCE FORT WAYNE
CITY
CONSUMER STATE IN
CONSUMER ZIP CODE 468180052
CONSUMER RESIDENCE
COUNTRY
CONSUMER RESIDENCE Tad oniiarot
PHONE
BAD NUMBER INDICATOR N
AWARENESS INDICATOR FO IOI IIE
LANGUAGE INDICATOR EN
FOO III III
EMAIL ADDRESS
EMAIL CONSENT ¥ =
E-STATEMENT INDICATOR
CO-BORROWER FIRST AND
MIDDLE NAME — a
CO-BORROWER LAST
NAME
CO-BORROWER SSN OR
SIN
SALE AMOUNT 1678.00
PRINCIPAL 1177.44
PRE CHARGE OFF 218.90
INTEREST —_
Sale File: PORTREC_PRA-OILS-RPL-FRESH-FLOW-0123.XLSX
PRE CHARGE OFF FEES 281.66
POST CHARGE OFF 0.00
INTEREST
POST CHARGE OFF FEES 0.00
ORIGINAL LOAN BALANCE
CHARGE OFF BALANCE 1678.00
CURRENT BALANCE 1678.00
ACCOUNT OPEN DATE Nov 27 2015 12:00AM
DEFAULT DATE Jan_5 2022 12:00AM
CHARGE OFF DATE Dec 9 2022 12:00AM
LAST PAYMENT AMOUNT 236.00
LAST PAYMENT DATE May 20 2022 12:00AM
LAST PURCHASE AMOUNT 78.46
LAST PURCHASE DATE Sep 20 2021 12:00AM
LAST BALANCE TRANSFER
AMOUNT
LAST BALANCE TRANSFER
DATE
LAST CASH ADVANCE
AMOUNT
LAST CASH ADVANCE
DATE
TOTAL PAYMENTS POST 0.00
CHARGE OFF
TOTAL NSF POST CHARGE 0.00
OFF
TOTAL CREDITS POST 0.00
CHARGE OFF
BKT6_INT AMT
LAST_GOOD_PAYMENT_DA May 20 2022 12:00AM
LAST_GOOD_PAYMENT._A 236.00
SALE SEGMENT MEI
PRODUCT IDENTIFIER 93193700
CODE
PRODUCT DESCRIPTION Meijer Credit Card
STORECARD_INDICATOR vi
SALE ID 011223PR1MU1FM
LENDING LEVEL 1 CPLR
LENDING LEVEL 2 SPS
ATTORNEY LAW FIRM.
ATTORNEY NAME
ATTORNEY PHONE
ATTORNEY ADDRESS
ATTORNEY CITY
ATTORNEY STATE
ATTORNEY ZIP CODE
Sale File: PORTREC_PRA-OILS-RPL-FRESH-FLOW-0123.XLSX
DEBT MANAGER ADDRESS
DEBT MANAGER EMAIL1
CONSENT
DEBT MANAGER EMAIL1
USABILITY
DEBT MANAGER EMAIL2
ADDRESS
DEBT MANAGER EMAIL2
CONSENT
DEBT MANAGER EMAIL2
USABILITY
DSA NAME
DSA ADDRESS 1
DSA ADDRESS 2
DSA CITY
DSA STATE
DSA ZIP CODE
DSA OFFICE PHONE
DSA EMAIL
BANKRUPTCY CHAPTER
BANKRUPTCY FILE DATE
BK PROOF OF CLAIM
PRINCIPAL
BK PROOF OF CLAIM
INTEREST
BK PROOF OF CLAIM FEE
BANKRUPTCY CASE
NUMBER
BANKRUPTCY TRUSTEE
Account Statement
‘Send Notice of Billing Errors and Customer Service Inquiries to:
meijer
Customer Service: MEWER CREDIT CARD
PO Box 6403, Sioux Falls, SD 57117-6403
meijer.accountonline.com
Account Inquiries:
1-877-816-9401 (TTY: 711) unt Number:
os
(Summary of Account Activity (Payment Information
Previous Balance $1,415.10 New Balance $1,245.10
Payments -$236.00 Minimum Payment Due $162.00
Other Credits -$0.00 Payment Due Date July 4, 2022
Purchases +$0.00
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$40.00 date listed above, you may have to pay alate fee up to $40.
Interest Charged +$26.00 Minimum Payment Warning: If you make only the minimum payment each
New Balance $1,245.10 petiod, you will pay more in interest and it will take you longer to pay off your
balance. For example:
Past Due Amount $83.00 If you make no additional You will pay off the And you will
charges using this card balance shown on this end up paying an
and each month you pay... Statement in about... estimated total of.,
(Credit Limit $1,250.00 Only the minimum payment 6 years $2,217
Available Credit $4.00 $49 3 years $1,776
Amount Over Credit Limit $0.00 (Savings=$441)
Statement Closing Date 06/07/2022 Ifyou would like information about credit counseling services, call 1-877-337-818
(TTY: 711).
Next Statement Closing Date 07/08/2022
(Days in Billing Cycle 30)
Your account is past due
Please make at least your minimum payment within this billing period to avoid any additional fees that may apply.
You can avoid missing payments with automatic payments and stay on top of your account activity with Alerts.
» Visit us online or call us at 1-833-990-1287 (TTY: 1-800-995-9305 for hearing and speech impaired services only).
Hours of Operation: Monday - Friday: 8:00 a.m. to 11:00 p.m. ET + Saturday: 8:00 a.m. to 8:00 p.m. ET
* Sunday: 9:00 a.m. to 8:00 p.m. ET We’re available to assist you with your account.
Please update your phone number, including cell phone number on the back of the payment coupon.
TRANSACTIONS:
Trans Date Description Reference # Amount
05/20 DEBIT CARD PAYMENT ELK GROVE VILIL P931900GWO09A19SEZ $ 236.00-
Meijer Credit Card Rewards Summary
$169 currently spent toward $750
Check
the mail for your $10 reward once you've spent $750
M3
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A.
¥ sure | proper
Please detach and return lower portion with your paymenttte_to, ensure credit Retain
roper credit. tain tupper aes,
meijer
Your Account Number is NN 0987
Payment Due Date July 4, 2022
New Balance $1,245.10
Pay your bill and more via your
PO BOX 6403 Account Online Past Due Amount! $83.00
SIOUX FALLS, SD 57117-6403,
Minimum Payment Due $162.00
Statement Enclosed meijer.accountonline.com
Amount Enclosed: $
.
‘Past Due Amount is included in the Minimum Payment Due.
Please print address changes on the reverse side.
Make Checks Payable tow
MEIJER CREDIT CARD
JESSICA A MOONEYHAN PO BOX 9001006
1446 LONE OAK BLVD LOUISVILLE, KY 40290-1006
FORT WAYNE, IN 46818-0052
a
Information About Your Account. + Crediting Payments other than by Mail. The payment cutoff time for Online bill
How to Avoid Paying interest on Purchases. Your payment due date is at least 25 days payments, Phone payments, and Express Mail payments is midnight Eastern time. This
after the closeof each billing cycle. We will not charge you any interest on purchases if means that we will credit your account as of the calendar day. based on Eastern time,
you pay your New Balance by the payment due date each month. Thisis called a grace that we receive your payment request.
period on purchases. To get a grace period on purchases you rust pay the New Balance by If you send an eligible check with this payment coupon, you authorize us to complete
the payment due date every billing cycle. If you do not, you will nat get a grace period on your payment by electronic debi . If we do, the chec! ig account will be debited in the
purchases until you pay the New Balance in full for two billing cycles in arow. amount on the check. We may do this as soon as the day we receive the check. Also, the
If you have a balance subjectto a deferred interest promotion and that promotion does check will be destroyed.
not expire before the payment due date, that balance (an “excluded balance") is excluded Credit Reporting Disputes. We may report information about your account to credit
from the amount you must pay in full te get a grace period on a purchase balance other bureaus. If youthink we reported inaccurate information, please write us at: Credit Bureau
than an excluded balance. However. you must still pay any separately required payment on Dispute Verification, P.0. Box 6497, Sioux Falls, SD 57117,
the excluded balance. in billing cycles in which payments are allocated to deferred interest
balances first, the deferred interest balance will be reduced before any other balance on Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on
the account. However, you wili continue to get a grace period on purchases, other than an Page.
excluded balance, so ong as you pay the New Balance (less any excluded balance, plusany WhatTo Do If You Think You Find A Mistake On Your Statement. If you think there isan
separately required payment on an excluded balance) in fullby the payment due date each error on your statement, write fo us at the address for billing errors and customer service
billing cycle inquiries shown on Page of your statement.
In addition, certain promotional offers not described above may also allow you to have a In your letter, give us the following information:
grace period on purchases without having to pay all or a portion of the promotional balance
by the payment due date. if that is the case, the promotional offer will describe what 1. Account information: Your name and account number.
happens. 2. Dollar amount: The dollar amount of the suspected error.
How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method 3. Description of Problem: if you think there isan error on your bill, describe what you
(including current transactions) to calculate interest charges. To find out more information believe is wrong and why you believe it isa mistake.
about the balance computation method and how the resulting interest charges were You must contact us within 60 days after the error appeared on your st ment.
determined, contact us at the Account Inquiries number on the front,
You must notify us of any potential errors in writing. You may callus, but if you do we are not
Other Account and Payme
Preview
02D03-2312-CC-002967 Filed: 12/19/2023 5:47 PM Clerk STATE OF INDIANA ) Ale Niporioecousa-— COURT Allen County, Indiana SS: KG COUNTY OF ALLEN ) Case Number: PORTFOLIO RECOVERY ASSOCIATES, LLC, Plaintiff, vs. JESSICA A MOONEYHAN, Defendant. COMPLAINT Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC, by counsel, states the following for its Complaint. 1 Defendant, JESSICA A MOONEYHAN (hereafter “Defendant”), at Defendant's request, was granted an extension of credit from CITIBANK, N.A., issued to Defendant as a(n) CITIBANK, N.A./ MEIJER credit account ending in XXX XXXXXXXXXX 0987 (hereafter “the Account”). 2 PORTFOLIO RECOVERY ASSOCIATES, LLC purchased the Account from CITIBANK, N.A. and is the owner of the Account. 3 Defendant has not paid the balance due and owing on the Account despite Plaintiff and Plaintiff s assignor’s demands for payment, and therefore, the Account is in default. 4 Defendant owes Plaintiff $1,678.00 as shown on the attached Exhibit. WHEREFORE, Plaintiff respectfully requests judgment against Defendant for the sums set forth above, plus any filing fees, service fees, and other recoverable costs to which it may be entitled. Respectfully submitted, By: /s/ Virginia Beth Albright Virginia Beth Albright, Esq. Bar No. 29678-85 Christopher M. Manhart, Esq. Bar No. 26729-49 Matthew Kunkle, Esq. Bar No. 25955-15 Nicole D. Manhart, Esq. Bar No. 29148-64 Attorneys for Plaintiff Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Phone: 866/428-8102 www.PRApay.com LitigationFilingIN@ portfoliorecovery.com Indiana_RA @portfoliorecovery.com 834016 AFFIDAVIT OF DEBT The undersigned affiant states the following: I Freakin There , am of adult age, am a designated full-time employee of Portfolio Recovery Ass ciates, LLC ("Plaintiff") and am fully authorized by Plaintiff to make the following representations. 1 am familiar with the ecord keeping practices of Plaintiff. The following representations are true according to documents kept in the normal course of Plaintiffs busin and/or my personal knowledge: Plaintiff has obtained this debt from CITIBANK, N.A. and the original owner of this debt was CITIBANK, N.A.. Evidence of the debt required in Indiana Trial Rule A)(2 s attached as one or more Exhibits to tl Affidavit. JESSICA A MOONEYHAN, Defendant(s), has an unpaid balance of $1,678.00 on account ending in 0987. That amount is due and owing to Plaintiff. The account was opened on 11/27/2015. The last payment from Defendant(s) was received on 05/20/2022 in the amount of $236.00 The type of account is: i y Credit account (i.e. Visa, Mastercard, Department Store, etc.) The nam of the Company/Store issuing the credit account is CITIBANK, N.A./MEIJER. is oO Other: (Please explain) a 6. The account balance includes: 1 ® No late fees after 12/09/2022. il. w Interest at the rate of 0.00% beginning on 12/09/2022. Plaintiffis not seeking attorney fees. Plaintiff believes that Defendant(s) is not a minor or an incompetent individual(s). 9. If the Defendant(s) is an individual, Plaintiff states and declares that Defendant(s) is not on active military service. Plaintiff's statement that Defendant(s) is not on active military service is based upon a review of the Department of Defense website. ate ("Active military service" includes fulltime duty in the military (including the National Guard and reserves) and, for members of the National Guard, service unde a call to active service authorized by the President or Secretary of Defense. For further information, see the definition of "military service" in the Servicemembers Civil Relief Act, as amended, 50 U.S.C.A. Appx. §521.) 10. The following exhibits are attached regarding the account: i oO Copy of the contract or other writing evidencing the original debt is attached. il ® A charge-off statement and/or monthly statement recording the most recent purchase transaction, payment, or balance transfer. iil. ® Bill(s) of Sale and Assignment and/or Affidavit(s) of Sale for the above referenced sale(s) of the account. iv w Seller data sheet reflecting the individual account data extracted and printed from electronic records provided by the seller to Plaintiff pursuant to the Bill of Sale/Assignment in connection with the sale of the account to Plaintiff. The documents attached hereto are true and correct copies of the originals, being a reproduction of the records on file on behalfof Plaintiff based upon my review, except to the extent that confidential and privileged information and/or personal identifying information is omitted or redacted as required by local rules, and applicable state and federal law. 11. Prior ownership of the debt: Owner Date of Defendant’s name Account Sale number CITIB: 01/23/2023 JESSICA A MOONEYHAN *0987 eee cenca ens gta 12. The account information includes: Charge off date: 12/09/2022 Charge off creditor: CITIBANK, N.A. = Unpaid balance: $1,678.00 Date of last payment and amount: 05/20/2022 $236.00 Date account was opened: 11/27/2015 Account number: *0987 Date debtor defaulted on the account: 01/05/2022 h. Interest rate requested: 0.00% following the charge off date, 12/09/2022 Type of account (e.g. Visa, department CREDIT ACCOUNT store): Late fees, over-limit fees, and any other No fees are requested following the charge off date. fee requested along with a monthly 12/09/2022 breakdown of each amount: I swear or affirm under the penalties of perjury that the foregoing representations are true. Dated: otMil L023 Signature of Affiant: InZ,— Account Statement ‘Send Notice of Billing Errors and Customer Service Inquiries to: meijer Customer Service: MEWER CREDIT CARD PO Box 6403, Sioux Falls, SD §7117-6403, meljer. El Account Inquiries: 1-833-990-1287 (TTY: 711) Account nbe: ae aS 7 (Summary of Account Activity (Payment Information Previous Balance $1,599.88 New Balance $1,678.00 Payments -$0.00 Minimum Payment Due $687.00 Other Credits -$0.00 Payment Due Date January 4, 2023 Purchases. +$0.00 Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$40.00 date listed above, you may have to pay alate fee up to $40. Interest Charged +$38.12 Minimum Payment Warning: If you make only the minimum payment each New Balance $1,678.00 period, you will pay more in interest and it will take you longer to pay off your balance. For example $592.00 _) {i you make no additional You will pay off the T| ‘And you will | Past Due Amount | charges using this card balance shown on this | end up paying an and each month you ai pay... pers | statement in about [ estimated Sai total of. a $2,652 | (Credit Limit $0.00 | Only the minimum payment | 6 years Available Credit $0.00 3 years | $2,490 | $69 (Savings=$162) Amount Over Credit Limit $428.00 l Statement Closing Date 12/08/2022 Ifyou would like information about credit counseling services, call 1-877-337-818 (TTY: 711) Next Statement Closing Date 01/08/2023 \Days in Billing Cycle a) Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. Please update your phone number, including cell phone number on the back of the payment coupon TRANSACTIONS Trans Date Description Reference # Amount FEES 12/04 LATE FEE 40.00 TOTAL FEES FOR THIS PERIOD 40.00 INTEREST CHARGED 12/08 INTEREST CHARGE ON PURCHASES 38.12 TOTAL INTEREST FOR THIS PERIOD 38.12 aMs3 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A. ss ai... Please detach anan Peskaidetach lower portion wiw pet portion jour payment four, payer a ainin upper) upper. foryour your rec rece ¥ ie. meijer Your Account Number is) =e 0987 IMI NUN January 4, 2023 Payment Due Date New Balance $1,678.00 Pay your bill and more via your PO BOX 6403 Account Online Past Due Amount $592.00 SIOUX FALLS, SD 5: 6403 Minimum Payment Due $687.00 Statement Enclosed meijer.accountonline.com Amount Enclosed: $ . TPast Due Amount is included in the Minimum Payment Due. Please print address changes on the reverse side. Make Checks Payable tow MEIJER CREDIT CARD JESSICA A MOONEYHAN PO BOX 9001006 1446 LONE OAK BLVD LOUISVILLE, KY 40290-1006 FORT WAYNE, IN 46818-0052 Information About Your Account. + Crediting Payments other than by Mail. The payment cutoff time for Online bill How to Avoid Paying Interest on Purchases. Your payment cue date is at least 25 days payments, Phone payments, and Express Mail payments is midnight Eastern time. This after the close of each billing cycle. We will not charge you any interest on purchases if means that we will credit your account as of the calendar day, based on Eastern time, you pay your New Balance by the payment due date each month. This is called a grace that we receive your payment request. period on purchases. To get a grace period on purchases you must pay the New Balance by If you send an eligible check with this payment coupon, you authorize us tocomplete the payment due date every billing cycle. If you donot, you will not get a grace period on your payment by electronic debit. If we do, the checking account will be de red in the purchases until you pay the New Balance in full for two billing cycles in arow. amount on the check. We may do this as soon as the day we receive the check. Also, the Hf you have a balance subject toa deferred interest promotion and that promotion does check will be destroyed. not expire before the payment due date, that balance(an “excluded balance") is excluded Credit Reporting Disputes. We may report information about your account to credit from the amount you must pay in full to get a grace period on a purchase balance other bureaus. if you think we reported inaccurate information, please write usat: Credit Bureau than an excluded balance. However, you must still pay any separately required payment on Dispute Verification, P.O. Box 6497, Sioux Falls, SD $7117. the excluded balance. In billing cycies in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balanceon Report a Lost or Stolen Card Immediately. Call the Account inquiries number shown on the account. However, you will continue to get a grace period on purchases, other thanan Pagel. excluded balance, so long as you pay the New Balance (less any excluded balance, plus any What To Do If You Think You Find A Mistake On Your Statement. if you think there isan separately required payment on an excluded balance) in full by the payment due date each error on your statement, write to us at the address for billing errors and customer service billing cycle. inquiries shown on Page 1 of your statement In addition, certain promotional offers not described above may also allow you to have a In your letter, give us the following information’ grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If that is the case, the promotional offer will describe what 1, Account information: Your name and account number. happens. 2, Dollar amount: The dollar amount of the suspected error. HowWe Calcul: '¢ Your Balance Subject to Interest Rat Weuse a daily balance method 3. Description of Problem: if you think there is an error on your bill, describe what you (including current transactions} to calculate interest charges. To find out more information believe is wrong and why you believe it is a mistake. about the balance computation method and how the resulting interest charges were Youmust contact us within 60 days after the error appeared on your statement. determined, contact us at the Account Inquiries numberon the front. You must notify us of any potential errorsin writing. You may call us, but if you do we are not Other Account and Payment Information. required to investigate any potential errors and you may have to pay the amount in question, Payment Amount. You may pay all or part of your account balanceat any time. However, While we investigate whether or not there has been an error, the following are true’ you must pay, by the payment due date, at least the minimum payment due When Your Payment Will Be Credited. If we receive your payment in proper form at our + We cannot tryto collect the amount in question, or report you as delinquent on that processing facility by 5 p.m. local time there, it will be credited as of that day. A payment amount. received there in proper form after that time will be credited as of the next day. Allow 5 + The charge in question may remain on your statement, and we may continue to charge to7 days for payments by regular mail to reach us. There may be a delay of upto'5 days you interest on that amount. But, if we determine that we made a mistake, you will not in crediting a payment we receive that is not in proper form or is not sent to the correct have to pay the amount in question or any interest or other fees related to that amount. address. The correct address for regular mail is the address on the front of the payment + While you do not have to pay the amount in question, you are responsible for the coupon, The correct addressfor express mail is shown in the Express Mail section. remainder of your balance. Proper Form. For a payment sent by mail or courier to be in proper form, you must: + We can apply any unpaid amount against your credit limit. + Enclose a valid check or money order. No cash, gift cards, or foreign currency please. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. if you are dissatisfied with the goods or services that you have purchased with your credit card, and + Include your name and the last four digits of your account number, youhave tried in good faith to correct the problem with the merchant, you may have the Payment Other Than By Mail. Fight not to pay the remaining amount due on the purchase. + In-Store (Where Available). Any payment in proper form accepted in-store willbe To use this right,all of the following must be true: credited as of that day. However, credit availability may be subject to verification 1 The purchase must have been made in your home state or within 100 miles of your current of funds. Not all stores accept payments. Contact your local store to see if in-store mailing address, and the purchase price must have been more than $50. (Note: Neither of payments are accepted at that location these are necessary if your purchase was based on an advertisement we mailed to you, or Online/AutoPay. Go to the URL on Page 1 of your statement to make a payment online. if we own the company that sold you the goods or services.) You can also enroll in AutoPay and have your payment amount automatically deducted You must have used your credit card for the purchase. Purchases made with cash each month from the payment account you choose. advances from an ATM or with a check that accesses your credit card account donot Phone. Call the phone number on Page tof your statement to make a payment by quality. phone. For phone payments, you authorize us to electronically debit your specified bank account by an ACH transaction in the amount and on the date that you indicateon the 3. Youmust not yet have fully paid for the purchase. phone. You may cancel a phone payment by calling us at the Customer Service number If all of the criteria above are met and you arestill dissatisfied with the purchase, contact us at the top of Page 1 within the time period disclosed to you on the phone. There is no fee in. writing at the address for billing errors and customer service inquiries shown on Page of for making a payment using our automated voice response system your statement. Agent-Assisted Phone Payments. |f you callusto make a payment with the assistance While we investigate, the same rules apply to the disputed amount as discussed above. After ofa live agent, the payment will be applied the same day and you will be charged a $5.00 we finish our investigation, we will tell you our decision. At that point, if we think you owe an agent expedited payment fee. amount and you do not pay, we may report you as delinquent. Express Mail. Send payment by express mail to: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213, Meijer PLNA FEB20 IN Md ~ 9319-3700-0000 /B/- N1 - MEIJER - JOI-E-0-X-47 10I-P- - 0-N4E/-7- z -N- -0-0-F/- 01/08/22 - 11/01/15 - 85 - November 7, 2022 AGI-N+ = + oHl-O- -2N2B-Vie = =O» O- = ofdie = = =2101M- -0721- Page 2 of 4 Please provide change of address and update/add your phone numbers’ here: (Use blue or black ink.) "Cell: *Home: “Phone: By giving us a cell number or a number later converted toa cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text Your phone plan charges may apply Account: **** **** **** 0987 2022Te Is r-to-Date Total Fees Charged in 22 $478 oF Total Interest Charged in 2022 $346.14 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promo Payments Cash Adv, Promotion Deferred Promotion Trans Trans Previous & Other Fees Interest New Minimum Interest Expiration Amount Date Balance Credits Other Debits Charged nce__ Payment Due Charges Date PURCHASES REGULAR $1,599.88 $40.00 $38.12 $1,678.00 TOTAL $1,599.88 ‘$0.00 $40.00 38.12 $1,678.00 $0.00 3000 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge PURCHASES: REGULAR 27.74% (M)(V) $1,618.25 $38.12 (V) = Variable Rate Page 3 of 4 ae THIS PAGE INTENTIONALLY LEFT BLANK Page 4 of 4 Contract ID: PRSMUMAA081320 Addendum ID: PRSMUMAA081320C3 Document ID: 011223PRIMU1IFMB1 BILL OF SALE AND ASSIGNMENT July 2018 Oils & RPL Fresh Flow Accounts THIS BILL OF SALE AND ASSIGNMENT dated January 23, 2023, is by Citibank, N.A., a national banking association organized under the laws of the United States, located at 5800 South Corporate Place, Sioux Falls, SD 57108 (the "Bank") to Portfolio Recovery Associates, LLC, organized under the laws of the state of Delaware, with its headquarters/principal place of business at 120 Corporate Boulevard, Norfolk, VA 23502 ("Buyer") For value received and subject to the terms and conditions of the Master Purchase and Sale Agreement dated August 13, 2020 and Addendum No. 3 dated August 13, 2020, between Buyer and the Bank as amended, restated, or otherwise modified from time to time (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts described in Exhibit | and the final electronic file. Citibank, N.A. By: (Signature) Name: _ Brandy Reardon Title: Authorized Party PRA 081320 Contract ID: PR3MUMAA081320 Addendum ID: PRSMUMAA081320C3 Document ID: 011223PRIMUIFMA1L EXHIBIT 1 ASSET SCHEDULE The individual Accounts transferred are described in the final electronic file and delivered by the Bank to Buyer, the same deemed attached hereto by this reference # of Sale Cut-Off Lot Sale ID Accounts Sale Balance Rate Date Oils and RPL Fresh Flow 011223PRIMU1FM i 1/12/2023 PRA 081320 Sale File: PORTREC_PRA-OILS-RPL-FRESH-FLOW-0123.XLSX santeKeeet# 0987 ACCOUNT NUMBER PRIOR ACCOUNT NUMBER HIATTBD PRIOR ACCOUNT NUMBER wen PRIOR ACCOUNT NUMBER PRIOR ACCOUNT NUMBER PRIOR ACCOUNT NUMBER DM9 ACCOUNT NUMBER eH OOBT CU ACCOUNT NUMBER Hn HIRAHIEOOBT RRRIAAHIRIHT ED 4 CROSS NUMBER 14 waRHHEEAOOOO CROSS NUMBER 2 seEHHIEEHOOOO CROSS NUMBER 3 CONSUMER FIRST AND JESSICA A MIDDLE NAME CONSUMER LAST NAME MOONEYHAN FOOT IIE CONSUMER SSN OR SIN CONSUMER BIRTH DATE **/**/1985 CONSUMER RESIDENCE 1446 LONE OAK BLVD ADDRESS 1 CONSUMER RESIDENCE ADDRESS 2 CONSUMER RESIDENCE FORT WAYNE CITY CONSUMER STATE IN CONSUMER ZIP CODE 468180052 CONSUMER RESIDENCE COUNTRY CONSUMER RESIDENCE Tad oniiarot PHONE BAD NUMBER INDICATOR N AWARENESS INDICATOR FO IOI IIE LANGUAGE INDICATOR EN FOO III III EMAIL ADDRESS EMAIL CONSENT ¥ = E-STATEMENT INDICATOR CO-BORROWER FIRST AND MIDDLE NAME — a CO-BORROWER LAST NAME CO-BORROWER SSN OR SIN SALE AMOUNT 1678.00 PRINCIPAL 1177.44 PRE CHARGE OFF 218.90 INTEREST —_ Sale File: PORTREC_PRA-OILS-RPL-FRESH-FLOW-0123.XLSX PRE CHARGE OFF FEES 281.66 POST CHARGE OFF 0.00 INTEREST POST CHARGE OFF FEES 0.00 ORIGINAL LOAN BALANCE CHARGE OFF BALANCE 1678.00 CURRENT BALANCE 1678.00 ACCOUNT OPEN DATE Nov 27 2015 12:00AM DEFAULT DATE Jan_5 2022 12:00AM CHARGE OFF DATE Dec 9 2022 12:00AM LAST PAYMENT AMOUNT 236.00 LAST PAYMENT DATE May 20 2022 12:00AM LAST PURCHASE AMOUNT 78.46 LAST PURCHASE DATE Sep 20 2021 12:00AM LAST BALANCE TRANSFER AMOUNT LAST BALANCE TRANSFER DATE LAST CASH ADVANCE AMOUNT LAST CASH ADVANCE DATE TOTAL PAYMENTS POST 0.00 CHARGE OFF TOTAL NSF POST CHARGE 0.00 OFF TOTAL CREDITS POST 0.00 CHARGE OFF BKT6_INT AMT LAST_GOOD_PAYMENT_DA May 20 2022 12:00AM LAST_GOOD_PAYMENT._A 236.00 SALE SEGMENT MEI PRODUCT IDENTIFIER 93193700 CODE PRODUCT DESCRIPTION Meijer Credit Card STORECARD_INDICATOR vi SALE ID 011223PR1MU1FM LENDING LEVEL 1 CPLR LENDING LEVEL 2 SPS ATTORNEY LAW FIRM. ATTORNEY NAME ATTORNEY PHONE ATTORNEY ADDRESS ATTORNEY CITY ATTORNEY STATE ATTORNEY ZIP CODE Sale File: PORTREC_PRA-OILS-RPL-FRESH-FLOW-0123.XLSX DEBT MANAGER ADDRESS DEBT MANAGER EMAIL1 CONSENT DEBT MANAGER EMAIL1 USABILITY DEBT MANAGER EMAIL2 ADDRESS DEBT MANAGER EMAIL2 CONSENT DEBT MANAGER EMAIL2 USABILITY DSA NAME DSA ADDRESS 1 DSA ADDRESS 2 DSA CITY DSA STATE DSA ZIP CODE DSA OFFICE PHONE DSA EMAIL BANKRUPTCY CHAPTER BANKRUPTCY FILE DATE BK PROOF OF CLAIM PRINCIPAL BK PROOF OF CLAIM INTEREST BK PROOF OF CLAIM FEE BANKRUPTCY CASE NUMBER BANKRUPTCY TRUSTEE Account Statement ‘Send Notice of Billing Errors and Customer Service Inquiries to: meijer Customer Service: MEWER CREDIT CARD PO Box 6403, Sioux Falls, SD 57117-6403 meijer.accountonline.com Account Inquiries: 1-877-816-9401 (TTY: 711) unt Number: os (Summary of Account Activity (Payment Information Previous Balance $1,415.10 New Balance $1,245.10 Payments -$236.00 Minimum Payment Due $162.00 Other Credits -$0.00 Payment Due Date July 4, 2022 Purchases +$0.00 Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$40.00 date listed above, you may have to pay alate fee up to $40. Interest Charged +$26.00 Minimum Payment Warning: If you make only the minimum payment each New Balance $1,245.10 petiod, you will pay more in interest and it will take you longer to pay off your balance. For example: Past Due Amount $83.00 If you make no additional You will pay off the And you will charges using this card balance shown on this end up paying an and each month you pay... Statement in about... estimated total of., (Credit Limit $1,250.00 Only the minimum payment 6 years $2,217 Available Credit $4.00 $49 3 years $1,776 Amount Over Credit Limit $0.00 (Savings=$441) Statement Closing Date 06/07/2022 Ifyou would like information about credit counseling services, call 1-877-337-818 (TTY: 711). Next Statement Closing Date 07/08/2022 (Days in Billing Cycle 30) Your account is past due Please make at least your minimum payment within this billing period to avoid any additional fees that may apply. You can avoid missing payments with automatic payments and stay on top of your account activity with Alerts. » Visit us online or call us at 1-833-990-1287 (TTY: 1-800-995-9305 for hearing and speech impaired services only). Hours of Operation: Monday - Friday: 8:00 a.m. to 11:00 p.m. ET + Saturday: 8:00 a.m. to 8:00 p.m. ET * Sunday: 9:00 a.m. to 8:00 p.m. ET We’re available to assist you with your account. Please update your phone number, including cell phone number on the back of the payment coupon. TRANSACTIONS: Trans Date Description Reference # Amount 05/20 DEBIT CARD PAYMENT ELK GROVE VILIL P931900GWO09A19SEZ $ 236.00- Meijer Credit Card Rewards Summary $169 currently spent toward $750 Check the mail for your $10 reward once you've spent $750 M3 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A. ¥ sure | proper Please detach and return lower portion with your paymenttte_to, ensure credit Retain roper credit. tain tupper aes, meijer Your Account Number is NN 0987 Payment Due Date July 4, 2022 New Balance $1,245.10 Pay your bill and more via your PO BOX 6403 Account Online Past Due Amount! $83.00 SIOUX FALLS, SD 57117-6403, Minimum Payment Due $162.00 Statement Enclosed meijer.accountonline.com Amount Enclosed: $ . ‘Past Due Amount is included in the Minimum Payment Due. Please print address changes on the reverse side. Make Checks Payable tow MEIJER CREDIT CARD JESSICA A MOONEYHAN PO BOX 9001006 1446 LONE OAK BLVD LOUISVILLE, KY 40290-1006 FORT WAYNE, IN 46818-0052 a Information About Your Account. + Crediting Payments other than by Mail. The payment cutoff time for Online bill How to Avoid Paying interest on Purchases. Your payment due date is at least 25 days payments, Phone payments, and Express Mail payments is midnight Eastern time. This after the closeof each billing cycle. We will not charge you any interest on purchases if means that we will credit your account as of the calendar day. based on Eastern time, you pay your New Balance by the payment due date each month. Thisis called a grace that we receive your payment request. period on purchases. To get a grace period on purchases you rust pay the New Balance by If you send an eligible check with this payment coupon, you authorize us to complete the payment due date every billing cycle. If you do not, you will nat get a grace period on your payment by electronic debi . If we do, the chec! ig account will be debited in the purchases until you pay the New Balance in full for two billing cycles in arow. amount on the check. We may do this as soon as the day we receive the check. Also, the If you have a balance subjectto a deferred interest promotion and that promotion does check will be destroyed. not expire before the payment due date, that balance (an “excluded balance") is excluded Credit Reporting Disputes. We may report information about your account to credit from the amount you must pay in full te get a grace period on a purchase balance other bureaus. If youthink we reported inaccurate information, please write us at: Credit Bureau than an excluded balance. However. you must still pay any separately required payment on Dispute Verification, P.0. Box 6497, Sioux Falls, SD 57117, the excluded balance. in billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on the account. However, you wili continue to get a grace period on purchases, other than an Page. excluded balance, so ong as you pay the New Balance (less any excluded balance, plusany WhatTo Do If You Think You Find A Mistake On Your Statement. If you think there isan separately required payment on an excluded balance) in fullby the payment due date each error on your statement, write fo us at the address for billing errors and customer service billing cycle inquiries shown on Page of your statement. In addition, certain promotional offers not described above may also allow you to have a In your letter, give us the following information: grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. if that is the case, the promotional offer will describe what 1. Account information: Your name and account number. happens. 2. Dollar amount: The dollar amount of the suspected error. How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method 3. Description of Problem: if you think there isan error on your bill, describe what you (including current transactions) to calculate interest charges. To find out more information believe is wrong and why you believe it isa mistake. about the balance computation method and how the resulting interest charges were You must contact us within 60 days after the error appeared on your st ment. determined, contact us at the Account Inquiries number on the front, You must notify us of any potential errors in writing. You may callus, but if you do we are not Other Account and Payme