On January 10, 2024 a
Party Statement
was filed
involving a dispute between
Affinity Plus Federal Credit Union,
and
Weber, Mercy,
for Default Judgment
in the District Court of Ramsey County.
Preview
62-CV-24-186
Filed in District Court
State of Minnesota
1/10/2024 6:04 AM
9006 TZG S S 7 230713 0 OPAGE1012 10 3594 6000 CNRC OIDGSOOB
Cardhotder Name and Account Number
MERCY WEBER
1043 HUBBARD AVE
VISA
Signature
Paget 012
XXXXXXXX-XXXX-5097
AFFINITY
FEDERAL CREDIT
PLUS
UNION
CREDI CARD REWARDS FUR EVERYDAY PURCHASES.
Using your Visa® credit card for small, everyday purchases is extra
rewarding with MyPIus Rewards points! Redeem points for travel,
cash, and more! Learn more at affinityplus.orglmyplus-rewards.
,
"
»
AFFINITY
nus»;
A
PLUS
mun
\ \ 'NhViI I\
Account information Account Summary
Statement Operi Date 06/29/2023 Previous Balance $0.00
Statement Closing Date 07/13/2023
Payments $0.00
Revolving Credit Line $5,000.00 ~ Other Credits $15.00
Available Revolving Credit Line N()NE + Purchases $5,426.64
Cash Revolving Credit Line $5,000.00 + Cash Advances $0.00
Available Caslt $0.00 + Other Debits $0.00
Amount Over Revolving Credit Line S4] 1.64 + Fees Charged $0.00
Minimum Payment Due $486.64 4- Interest Charged $0.00
= New Balance $5,411.64
Payment lniormatron
Payment Due Date: 08/07f2023 Minimum Payment Due: $486,64 New Balance: 35,41 1.64
Late Payment Warning: If we do not receive your' minimum payment by the date listed above, you may have to pay a late fee of up to $15.00.
Minimum Payment WarningzEven If you make no more charges usirig this card, it'you make only the minimum payment each month we estimate you
will never pay off the balance shown on thls statementbecause your payment will be less that) the interest charged each month.
If you make more than the minimum paymertt eaclt period, yorr will pay less in interest and pay off your balance sooner. For example, if you instead paid
$196.00 per month, you would pay off the balance shown on this statement in around 3 years.
If you would like intent-ration about credit counseiirtg services, call l-866~685-6322.
¢__Remtt Payment to:
AFFINITY PLUS FEDERAL CU
fl Mall lnqulrles To:
CUSTOMER SERVICE PO BOX 31112 TAMPA
a Questions?
Call Customer Service: 800-322-7228
PO BOX 660493 DAUAS TX 75266-0493 FLORIDA 3363131$2 L081 OI' Stolen Card: 800-449-7723
We appreciate your membership!
Detach the bottom portion and romrn payment using enclosed envelope to be received no tater man by 5:00 pm. on the due date. Please use blue or black ink.
Paymem Due Date
AFFINITY PLUS FEDERAL CU August
P.O. BOX 64569 S TWTFS
Accourtt Number XXXXXXXX-XXXX-5097 2345
ST PAUL MN 5 5 I 64
6 8 9101":
New Balance 255,4] 1.64 '31415161716 11
20 2122 23%;;25
Please include your account Minimum Payment Due $486.64 7 1931
number on your check.
Amount
[M] New address, phone number creme"? Enciosed " 4
L... _l Check the boot to the tett and print changes on back
MERC'V' WEBER
1043 HUBBARD AVE
VISA SAINT PAUL MN 55 104/1508
PO BOX 660493
DALLAS TX 752660493
5097
1 of 3
62-CV-24-186
Filed in District Court
State of Minnesota
1/10/2024 6:04 AM
lawn-M Information
Pleasereterlo L 'iwlmT
' '
touyoir mammary/notices,
' .
'
,
"'
G .. ,meuseolttisocowntlheso'l' C m", be by y. notices
mm
.
The Interest Charge Calcuatm Msttrod applrcable to your accoum for Cash Advances and Credit Purchases of goods and sums that you ootam though the use 0! yorrr card is specified
wrtmn the lnterest Charge " section oltru
ms below
Method A" -The interest Charges for a brlhng cycle are warmed by apolyrng the Daily PGHOCDC Rate to the Average Daily Balance (shown as Balance Subject to interest Rate) mounted by
the number of days In the billing cycle on the Monthly Per-note Rate to the Average Dally Balance during the billlng cycle the Average Daily Bolanoe rfi determined by div-flirts; the sum of the
daily balances ourmg the biting cycle by the number 06 days in the cycle Each daily' balance Is oetermmed by adding to the F're'rlous Balance (the outstanding Dalarlce at your aooorxrt at the
beglnnlng 01 the biting Cydet- any new transaolrm posted to yw account and subtracting any payments as rscelved or credits as posted to your accomt bin excludng any unpaid Interest
Charges Interest Charges begin in smut, on the dale of the transactlun or the fuel day of rho oumg cycle m whim it was posted whichever l5 later,
Method E The Interest Charges tor a billing cycle are contoured by applying the Dally Periodic Rate to the Average Oaiy Balance (shown as Balance Smyec't to lnterest Rate) nwttrphed by
the number 0! days in the billing cycle OR the monthly Periodic Rate to the Average Dally Balame M Purchases (and. ii applicable Cash Adv-mom) thd'l Is detounined by owning the sum
at the dasty balances suing the billing cycle by the number at days In the cycle Each dally balance 0! Puchasas (arid ll aophcablo. Cash Advances) is determined b)' subtractrig from tho
Prevrous Balance (the outstandrng balance of your account or the beginning of me billing awe) any oayrnems received and credits posted to your accoimt bin exdudng any unperd mterest
charges Interest Charges begirr lo noodle on the dale ol the transadiorr u: the first day (lithe till-lg "we in which 1 was posted wticlmyar a later
"Olhod F The interest Charges tor a balmy cycle are rammed by applying the Dairy Perimlrr Flare to the Average Daily Balarrg
ism
as Balance Strum to interest Rate} multiplied by
the number 0' days in the billing cycle OR the Monthly Periodic Rate to the Average Dally Balance during the who; cycle The Average Dally Balance ls determrned by olvidlng the sum at the
daily nmames aurmq the Ming cyue by the manner at days rn he cyan tam daily balance rs determined by adding to the Fur/rm Emmoe (the ouL.landing balance at your account at the
beginning 04 the billng cyde_ any new transmiom posted to yum sown, and suolract'urg my payments as recerved or cred-Is as posted to yet: accoxurl tul excluding my uruakj interest
Charges. Interest Charges begin to awue on" the date at the trarrsactron or the first day 0! the billing cycle In which It was posted. whicheror Is later, To avold incunlng an additional lnterest
Charge on the balance 0! Cash on this you must pay' the New Balance shmrrn on the reverse slce on or betore the Payment Due Date.
.
Method 6 the interest Charges (or a blflng cyde are oomprned by apolyrng the Daily Pemxtsc Rate to the Average Daily Balance (shown as Balance Subied lo lnlerest Rate) multiplied by'
-
the number 0! days in the billing cyuie OR the Mrmtlay Perrrxlrc Rate to the Average Da-ly Salaries The Average Daily Balance '3 determined hy {finding the sum 0! the daily halanms during
the billtng cyde by the number of days in the cycle Eadl daly balance is determined by adding to the Herious Balance. any new Iranszctlons posted to you aocourtl and smlracllnq any
payments as rocetved and credits as posted to your accwnt but excluding any unpaid lnterest Charges Interest (merges begin to accrue on the date at the transact-on or the first day' at the
biliary cyde m which it was posted, whichever to later
How to Avoid Paying Interest on Purchases using Credit Tenn: Method G or Method E I! you pay your statement's 'New Balancc' (or Interest Aloidance Balance il applicable) In lull
by the due date cam month we Will not charge Interest on any new purdlases that post to the standard ourmase balance ll you have been pa your account In full Without lntetestcfzargesl
(«r-l to lay your next 'Nw Salama- («I Internal Avurlarrue Ball-mu
t' appI-wble) mfull we wil charge you interest or! the outstanwr unparrl yer
ylrlyemg Dally Balance of nurthaees We will
[MW , q, Interest on any plan Dalalces at the 9(6)" 0! the billing cycle lollowrng the wing cycle during whvztl you «eat the rrsbuilmer plarl
Note: W a variable rate also rs anelrcabla to rhs accomt. the Ema-c rate my vary
Credit Balances
=l there Is a credit balance due you yOu may reuueel m writing 8 ml refunfl oi lhls credit balance at the adorns: indicated or: the front 01 the statement after the phrase 'Ma-t lnquines 70:"
Additional Charges
AGOWW charges plus apolicabte taxes may c- be assessed if you pay us wllh a check not honored ty your Fmanc-al Inst-whorl rattles! a copy at a document request a Gas.- Advance
request 1 reglaoement card. or use your card tor a transaction at an automated teler nachmc tl' SLC'I charge: are not orchtbr: ed by m N regulatxzn Notice Creeks remnod NSF [Non Summer"
Fwdsl or UCF (Uncahectec funds) are Sui-1&1 lo ale-wow. ACH presentm nl
ll bpstlcabka there will be a 55 00 charge assessed to your audit card salmon! to! each expedited telephone payment amt-alod by the cardhoicor mrouwt the 24 x 7 Carcmlder Servrcos
Statement Closing Duo
closing calo vult war on your next statement
All transaaron: reoelvoc after the
Elmnic Check Conversiorl EEK I
"applicable whom/m.- prowde arched as paymem authorrm uslo use mlormtdron from your chm to make a 096- "l"lfi Wort-r land lransfu from your acuxmt tn certain urnmslamxs such
aster youW u check '
your acwml as soon as the same daywe receive yw payrnenl. and you wil not remit/e ynurmed< back from you finanaal Institution "yo-J Wish low ouldlhis promos. pleasocall the tall tree number
lustedomhe back 0! your credit card
to Credit
We may repon mlonnatron about your Account to wean bureaus. Late payments Missed paymerltsor otherdefaults on your Account maybe
'
p... , .ll you thinkwe ' ,
inaccurate information toe areal bureau. you may wnte wus atthc address indicated on the front or this stalemem
What To Do it You Think Vou Flnd A Mistake On Your Statement Your Rights ll You Are Dissatisfied With Your Cred! Card Purchases
It you are dbsal'rsfied with the goods or ooh/noes lhat you have purchased with your credxl card.
H yw Ihlnk there ls an arm on your statement. write to us at the atlttess molested on the (mm of
' ' Account and ya: have med in good taitlt to coast: the problem with the merchant you may have the
this statemmt In your letter. give us the Your
name and account number Dollar amount the collar ammrnt of the suspected error n¢rt not to pay the remamlng amount due on the purchase
, To use ms n' L all oi the tollrmi musl be true all The rur'hase mtg ltayr- been rnade in
Description at Problem" youthmk'thote lean error on your out. describe Mlatyou belrexels
am My youwleve .1; a """M' you home sight: or Within 100 ""2395 at Wm, currerlt "will"; o'odr'ess. and the purchase price
wrong must have been more than $50. (Note Neither at these are necessary if yer: purchase was
Youmust cmlact us mthn 66 days after the mor anooaverlm your statement Yrx: must nolrty
.
based on an adverusmnmt we mailed to yo; 0' it we own [M company that sold your the
us at any ootomml errors in \wrltrrlg You may cal r5. m lf you do we are not requlroa to
goods or semces;
""59"" 8"" omentret 9"" and youmayhevetopaylhe amoumrn ""35"" (2) You must have used your credit can tor the purchase Purdtase: mace wrlh cash
Whale we investigate whelher or not there has been an error. the following are true ' We ymraedrtcerdacwmldonmquatdy
carw try I" ("M1 the small m ""93"" 0' "'90" you as """W' O" "'3' ""0"" ' The xwmzzrggpytfzx7figim33:15:32?
all of the criteria atmve are mel anti are still dissatisfied with the
N yrm purchase. contact us m
charge In question may remarr. on yet: stalzzmant and we may comma to charge you rntorosl writ: alll'le address indicated on the Iron otthis s'atement
on that emu-rm BuL it we rlelermnie that we made 3 Mistake. you WIII not have to my the
investigate.' the s a B rules app'y to the'drsouteo amomt a: mswssed above After
«Writ in quesmn or any interest or other lees totaled to that amount 'Whtle you do not
'
Wm' ' we hurt you owe a»
.
that
have to pay the amount In quesrran you are resoorlsrble tor the rernaumer of your balarlce
- We can
apply any unpaid amount against your unit limit
:igzf'a'rg'y savioaggf"gigging'nrf'xuwwa's'éxgfln?'
p l V o y q
01069006 ~
05116122
Change of address? Phase supply the new information In the boxes provided.
W's Signatue
Street Address
l IIII l l l
Hill [[[ll
Street Address (cont)
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Hill
____t__.r__..__r
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E-mail Address
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Home Phone
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2 of 3
62-CV-24-186
Filed in District Court
State of Minnesota
1/10/2024 6:04 AM
9006 T26 5 a 7 230713 a 01>;er a 0:2 1 o 3594 6000 CNRC 01069006
Cardholder Name and Account Number
MERC'Y WEBER
1043 HUBBARD AVE
VISA Signature
Page 2 0' 2
XXXXXXXXXXXX5097
Transactions
Post Date 1
Trans Dale I
Reference Description Amount
MERCY WEBER XXXX-XXXX XYXX €097
07/10 07/10 F3594OOSZOOOCB 100 CHARGE OFF CORRECTION 35,426164
07/10 07/10 F3594005Z000LC191 REFUND OF LATE FEES $15.00
FOBS
TOTAL FEES FOR THIS PERIOD $0.00
Interest Charged
07/13 07/13 Interest Charge on Purchases $0.00
07/13 07/13 Interest Charge on Cash Advances 30.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2023 Totals Year-to-Date
Total fees chal'ged in 2023 $90.00
Total interest charged In 2023 $439.80
Interest Charge Calculation
Your Annual Percentage liate (APR) is the annua interest rate on your account.I
Type of Balance APR Balance Sublect To Interest Charge Remaining
°/a Interest Rate Balance
Purchases l8.00"/'o (V) $0.00 $0.00 35,41 L64
Cash Advalxces 18.00% M $0.00 $0.00 $0.00
Days in Billing
Cycle: 30 (V) a: Variable Rate
See reverse side of page one for explanation of Interest Charge calculation. Credit Purchases calculated using Method G. Cash
Advance Charges calculated usinq Method F.
DIGITAL STATEMENTS: argsyfieoeus
VCONVENIENT. SECURE. GREEN. 7
Go green and statement
anywhere, anytime. Reduce the paperwork and
mmmm home or on the go.
Enroll tcday in Digital Statements & Notices from
'
the More screen in your online banking account. 93a
JoAnn
Minnesota Resident
my;
3 of 3
Document Filed Date
January 10, 2024
Case Filing Date
January 10, 2024
Category
Default Judgment
For full print and download access, please subscribe at https://www.trellis.law/.
Preview
62-CV-24-186 Filed in District Court State of Minnesota 1/10/2024 6:04 AM 9006 TZG S S 7 230713 0 OPAGE1012 10 3594 6000 CNRC OIDGSOOB Cardhotder Name and Account Number MERCY WEBER 1043 HUBBARD AVE VISA Signature Paget 012 XXXXXXXX-XXXX-5097 AFFINITY FEDERAL CREDIT PLUS UNION CREDI CARD REWARDS FUR EVERYDAY PURCHASES. Using your Visa® credit card for small, everyday purchases is extra rewarding with MyPIus Rewards points! Redeem points for travel, cash, and more! Learn more at affinityplus.orglmyplus-rewards. , " » AFFINITY nus»; A PLUS mun \ \ 'NhViI I\ Account information Account Summary Statement Operi Date 06/29/2023 Previous Balance $0.00 Statement Closing Date 07/13/2023 Payments $0.00 Revolving Credit Line $5,000.00 ~ Other Credits $15.00 Available Revolving Credit Line N()NE + Purchases $5,426.64 Cash Revolving Credit Line $5,000.00 + Cash Advances $0.00 Available Caslt $0.00 + Other Debits $0.00 Amount Over Revolving Credit Line S4] 1.64 + Fees Charged $0.00 Minimum Payment Due $486.64 4- Interest Charged $0.00 = New Balance $5,411.64 Payment lniormatron Payment Due Date: 08/07f2023 Minimum Payment Due: $486,64 New Balance: 35,41 1.64 Late Payment Warning: If we do not receive your' minimum payment by the date listed above, you may have to pay a late fee of up to $15.00. Minimum Payment WarningzEven If you make no more charges usirig this card, it'you make only the minimum payment each month we estimate you will never pay off the balance shown on thls statementbecause your payment will be less that) the interest charged each month. If you make more than the minimum paymertt eaclt period, yorr will pay less in interest and pay off your balance sooner. For example, if you instead paid $196.00 per month, you would pay off the balance shown on this statement in around 3 years. If you would like intent-ration about credit counseiirtg services, call l-866~685-6322. ¢__Remtt Payment to: AFFINITY PLUS FEDERAL CU fl Mall lnqulrles To: CUSTOMER SERVICE PO BOX 31112 TAMPA a Questions? Call Customer Service: 800-322-7228 PO BOX 660493 DAUAS TX 75266-0493 FLORIDA 3363131$2 L081 OI' Stolen Card: 800-449-7723 We appreciate your membership! Detach the bottom portion and romrn payment using enclosed envelope to be received no tater man by 5:00 pm. on the due date. Please use blue or black ink. Paymem Due Date AFFINITY PLUS FEDERAL CU August P.O. BOX 64569 S TWTFS Accourtt Number XXXXXXXX-XXXX-5097 2345 ST PAUL MN 5 5 I 64 6 8 9101": New Balance 255,4] 1.64 '31415161716 11 20 2122 23%;;25 Please include your account Minimum Payment Due $486.64 7 1931 number on your check. Amount [M] New address, phone number creme"? Enciosed " 4 L... _l Check the boot to the tett and print changes on back MERC'V' WEBER 1043 HUBBARD AVE VISA SAINT PAUL MN 55 104/1508 PO BOX 660493 DALLAS TX 752660493 5097 1 of 3 62-CV-24-186 Filed in District Court State of Minnesota 1/10/2024 6:04 AM lawn-M Information Pleasereterlo L 'iwlmT ' ' touyoir mammary/notices, ' . ' , "' G .. ,meuseolttisocowntlheso'l' C m", be by y. notices mm . The Interest Charge Calcuatm Msttrod applrcable to your accoum for Cash Advances and Credit Purchases of goods and sums that you ootam though the use 0! yorrr card is specified wrtmn the lnterest Charge " section oltru ms below Method A" -The interest Charges for a brlhng cycle are warmed by apolyrng the Daily PGHOCDC Rate to the Average Daily Balance (shown as Balance Subject to interest Rate) mounted by the number of days In the billing cycle on the Monthly Per-note Rate to the Average Dally Balance during the billlng cycle the Average Daily Bolanoe rfi determined by div-flirts; the sum of the daily balances ourmg the biting cycle by the number 06 days in the cycle Each daily' balance Is oetermmed by adding to the F're'rlous Balance (the outstanding Dalarlce at your aooorxrt at the beglnnlng 01 the biting Cydet- any new transaolrm posted to yw account and subtracting any payments as rscelved or credits as posted to your accomt bin excludng any unpaid Interest Charges Interest Charges begin in smut, on the dale of the transactlun or the fuel day of rho oumg cycle m whim it was posted whichever l5 later, Method E The Interest Charges tor a billing cycle are contoured by applying the Dally Periodic Rate to the Average Oaiy Balance (shown as Balance Smyec't to lnterest Rate) nwttrphed by the number 0! days in the billing cycle OR the monthly Periodic Rate to the Average Dally Balame M Purchases (and. ii applicable Cash Adv-mom) thd'l Is detounined by owning the sum at the dasty balances suing the billing cycle by the number at days In the cycle Each dally balance 0! Puchasas (arid ll aophcablo. Cash Advances) is determined b)' subtractrig from tho Prevrous Balance (the outstandrng balance of your account or the beginning of me billing awe) any oayrnems received and credits posted to your accoimt bin exdudng any unperd mterest charges Interest Charges begirr lo noodle on the dale ol the transadiorr u: the first day (lithe till-lg "we in which 1 was posted wticlmyar a later "Olhod F The interest Charges tor a balmy cycle are rammed by applying the Dairy Perimlrr Flare to the Average Daily Balarrg ism as Balance Strum to interest Rate} multiplied by the number 0' days in the billing cycle OR the Monthly Periodic Rate to the Average Dally Balance during the who; cycle The Average Dally Balance ls determrned by olvidlng the sum at the daily nmames aurmq the Ming cyue by the manner at days rn he cyan tam daily balance rs determined by adding to the Fur/rm Emmoe (the ouL.landing balance at your account at the beginning 04 the billng cyde_ any new transmiom posted to yum sown, and suolract'urg my payments as recerved or cred-Is as posted to yet: accoxurl tul excluding my uruakj interest Charges. Interest Charges begin to awue on" the date at the trarrsactron or the first day 0! the billing cycle In which It was posted. whicheror Is later, To avold incunlng an additional lnterest Charge on the balance 0! Cash on this you must pay' the New Balance shmrrn on the reverse slce on or betore the Payment Due Date. . Method 6 the interest Charges (or a blflng cyde are oomprned by apolyrng the Daily Pemxtsc Rate to the Average Daily Balance (shown as Balance Subied lo lnlerest Rate) multiplied by' - the number 0! days in the billing cyuie OR the Mrmtlay Perrrxlrc Rate to the Average Da-ly Salaries The Average Daily Balance '3 determined hy {finding the sum 0! the daily halanms during the billtng cyde by the number of days in the cycle Eadl daly balance is determined by adding to the Herious Balance. any new Iranszctlons posted to you aocourtl and smlracllnq any payments as rocetved and credits as posted to your accwnt but excluding any unpaid lnterest Charges Interest (merges begin to accrue on the date at the transact-on or the first day' at the biliary cyde m which it was posted, whichever to later How to Avoid Paying Interest on Purchases using Credit Tenn: Method G or Method E I! you pay your statement's 'New Balancc' (or Interest Aloidance Balance il applicable) In lull by the due date cam month we Will not charge Interest on any new purdlases that post to the standard ourmase balance ll you have been pa your account In full Without lntetestcfzargesl («r-l to lay your next 'Nw Salama- («I Internal Avurlarrue Ball-mu t' appI-wble) mfull we wil charge you interest or! the outstanwr unparrl yer ylrlyemg Dally Balance of nurthaees We will [MW , q, Interest on any plan Dalalces at the 9(6)" 0! the billing cycle lollowrng the wing cycle during whvztl you «eat the rrsbuilmer plarl Note: W a variable rate also rs anelrcabla to rhs accomt. the Ema-c rate my vary Credit Balances =l there Is a credit balance due you yOu may reuueel m writing 8 ml refunfl oi lhls credit balance at the adorns: indicated or: the front 01 the statement after the phrase 'Ma-t lnquines 70:" Additional Charges AGOWW charges plus apolicabte taxes may c- be assessed if you pay us wllh a check not honored ty your Fmanc-al Inst-whorl rattles! a copy at a document request a Gas.- Advance request 1 reglaoement card. or use your card tor a transaction at an automated teler nachmc tl' SLC'I charge: are not orchtbr: ed by m N regulatxzn Notice Creeks remnod NSF [Non Summer" Fwdsl or UCF (Uncahectec funds) are Sui-1&1 lo ale-wow. ACH presentm nl ll bpstlcabka there will be a 55 00 charge assessed to your audit card salmon! to! each expedited telephone payment amt-alod by the cardhoicor mrouwt the 24 x 7 Carcmlder Servrcos Statement Closing Duo closing calo vult war on your next statement All transaaron: reoelvoc after the Elmnic Check Conversiorl EEK I "applicable whom/m.- prowde arched as paymem authorrm uslo use mlormtdron from your chm to make a 096- "l"lfi Wort-r land lransfu from your acuxmt tn certain urnmslamxs such aster youW u check ' your acwml as soon as the same daywe receive yw payrnenl. and you wil not remit/e ynurmed< back from you finanaal Institution "yo-J Wish low ouldlhis promos. pleasocall the tall tree number lustedomhe back 0! your credit card to Credit We may repon mlonnatron about your Account to wean bureaus. Late payments Missed paymerltsor otherdefaults on your Account maybe ' p... , .ll you thinkwe ' , inaccurate information toe areal bureau. you may wnte wus atthc address indicated on the front or this stalemem What To Do it You Think Vou Flnd A Mistake On Your Statement Your Rights ll You Are Dissatisfied With Your Cred! Card Purchases It you are dbsal'rsfied with the goods or ooh/noes lhat you have purchased with your credxl card. H yw Ihlnk there ls an arm on your statement. write to us at the atlttess molested on the (mm of ' ' Account and ya: have med in good taitlt to coast: the problem with the merchant you may have the this statemmt In your letter. give us the Your name and account number Dollar amount the collar ammrnt of the suspected error n¢rt not to pay the remamlng amount due on the purchase , To use ms n' L all oi the tollrmi musl be true all The rur'hase mtg ltayr- been rnade in Description at Problem" youthmk'thote lean error on your out. describe Mlatyou belrexels am My youwleve .1; a """M' you home sight: or Within 100 ""2395 at Wm, currerlt "will"; o'odr'ess. and the purchase price wrong must have been more than $50. (Note Neither at these are necessary if yer: purchase was Youmust cmlact us mthn 66 days after the mor anooaverlm your statement Yrx: must nolrty . based on an adverusmnmt we mailed to yo; 0' it we own [M company that sold your the us at any ootomml errors in \wrltrrlg You may cal r5. m lf you do we are not requlroa to goods or semces; ""59"" 8"" omentret 9"" and youmayhevetopaylhe amoumrn ""35"" (2) You must have used your credit can tor the purchase Purdtase: mace wrlh cash Whale we investigate whelher or not there has been an error. the following are true ' We ymraedrtcerdacwmldonmquatdy carw try I" ("M1 the small m ""93"" 0' "'90" you as """W' O" "'3' ""0"" ' The xwmzzrggpytfzx7figim33:15:32? all of the criteria atmve are mel anti are still dissatisfied with the N yrm purchase. contact us m charge In question may remarr. on yet: stalzzmant and we may comma to charge you rntorosl writ: alll'le address indicated on the Iron otthis s'atement on that emu-rm BuL it we rlelermnie that we made 3 Mistake. you WIII not have to my the investigate.' the s a B rules app'y to the'drsouteo amomt a: mswssed above After «Writ in quesmn or any interest or other lees totaled to that amount 'Whtle you do not ' Wm' ' we hurt you owe a» . that have to pay the amount In quesrran you are resoorlsrble tor the rernaumer of your balarlce - We can apply any unpaid amount against your unit limit :igzf'a'rg'y savioaggf"gigging'nrf'xuwwa's'éxgfln?' p l V o y q 01069006 ~ 05116122 Change of address? Phase supply the new information In the boxes provided. W's Signatue Street Address l IIII l l l Hill [[[ll Street Address (cont) l l I Hill ____t__.r__..__r [ I I l l l I [llll I E-mail Address l l l I l l lllllllllllllllllll Home Phone HI J l I L, «1m "trimming: and mmlnuallymm toplovlduudnym. 2 of 3 62-CV-24-186 Filed in District Court State of Minnesota 1/10/2024 6:04 AM 9006 T26 5 a 7 230713 a 01>;er a 0:2 1 o 3594 6000 CNRC 01069006 Cardholder Name and Account Number MERC'Y WEBER 1043 HUBBARD AVE VISA Signature Page 2 0' 2 XXXXXXXXXXXX5097 Transactions Post Date 1 Trans Dale I Reference Description Amount MERCY WEBER XXXX-XXXX XYXX €097 07/10 07/10 F3594OOSZOOOCB 100 CHARGE OFF CORRECTION 35,426164 07/10 07/10 F3594005Z000LC191 REFUND OF LATE FEES $15.00 FOBS TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged 07/13 07/13 Interest Charge on Purchases $0.00 07/13 07/13 Interest Charge on Cash Advances 30.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2023 Totals Year-to-Date Total fees chal'ged in 2023 $90.00 Total interest charged In 2023 $439.80 Interest Charge Calculation Your Annual Percentage liate (APR) is the annua interest rate on your account.I Type of Balance APR Balance Sublect To Interest Charge Remaining °/a Interest Rate Balance Purchases l8.00"/'o (V) $0.00 $0.00 35,41 L64 Cash Advalxces 18.00% M $0.00 $0.00 $0.00 Days in Billing Cycle: 30 (V) a: Variable Rate See reverse side of page one for explanation of Interest Charge calculation. Credit Purchases calculated using Method G. Cash Advance Charges calculated usinq Method F. DIGITAL STATEMENTS: argsyfieoeus VCONVENIENT. SECURE. GREEN. 7 Go green and statement anywhere, anytime. Reduce the paperwork and mmmm home or on the go. Enroll tcday in Digital Statements & Notices from ' the More screen in your online banking account. 93a JoAnn Minnesota Resident my; 3 of 3