Preview
1606220
ELECTRONICALLY FILED
GURSTEL LAW FIRM P.C.
Superior Court of California
Gurstel Law Firm P.C.’s California Debt Collection License: 10361-99, county of Alameda
Kimberlee Tsai (SBN # 227426) 01/16/2024 at 12:00:00 AM
Brianna Elmassian (SBN# 329673) By: Damaree Franklin,
Stella Park (SBN# 310445) Deputy Clerk
Spencer Penuela (SBN# 324544)
Anna Karkoon (SBN# 295797)
Ann Doan (SBN# 297543)
9320 East Raintree Drive, Scottsdale, AZ 85260
Telephone: (877) 344-4002
Fax: (877) 750-6335
info@gurstel.com
Attorneys for Plaintiff,
Absolute Resolutions Investments, LLC
10 SUPERIOR COURT OF THE STATE OF CALIFORNIA
11
ALAMEDA COUNTY - HAYWARD COURT
12
Absolute Resolutions Investments, LLC Case No. 24070680078
13 Plaintiff,
COMPLAINT FOR MONEY DUE ON
14
vs. ACCOUNT STATED; OPEN BOOK
15 ACCOUNT
Ashley M Taylor
16
Defendant.
17
18 Absolute Resolutions Investments, LLC(‘“Plaintiff’) alleges causes of action against Ashley
19 M Taylor ("Defendant") as follows:
20
ALLEGATIONS COMMON TO ALL CAUSES OF ACTION
21
1 Plaintiff is a debt buyer.
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‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No.
Plaintiff believes that, on or about December 31, 2020, U.S. Bank National Association
provided Defendant with a credit account ("Account"), and granted use privileges on the
same. Defendant used the Account to make purchases and/or take cash advances and/or
make balance transfers, each time reaffirming Defendant's agreement to repay U.S. Bank
National Association and its successors in interest, for the amount of the purchase and/or
cash advances and/or balance transfers.
Plaintiff is the sole owner of the debt at issue.
10 The debt balance at charge-off
was $3,120.21. $0.00 in post charge-off fees and $0.00 in
11 post charge-off interest have been imposed since the time of charge-off.
12 The date of last payment on the Account was on March 3, 2021.
13
The charge-off creditor at the time of charge-off was U.S. Bank National Association
14
(“Charge-Off Creditor”), whose address at said time was P.O. Box 790408, St. Louis, MO
15
16 63179-0408 . Charge-Off Creditor’s account number associated with the debt is
17 ARAAAARARERER6OAS |
18
Defendant’s name and address as it appeared in the Charge-Off Creditor's records prior to
19
the sale of the Account to Plaintiff is ASHLEY M TAYLOR, 570 HAMPTON RD,
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HAYWARD, CA 94541-1416.
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22 Prior to the commencement of this action, the Account was assigned or otherwise
23 transferred to Plaintiff. Plaintiff, is the present holder and sole owner of the Account.
24
Plaintiff's address is 591 Camino de la Reina, #1219, San Diego, CA 92108. The names
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and address of all persons or entities that purchased the debt after charge-off are:
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‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No.
(A) Absolute Resolutions Investments, LLC, 591 Camino de la Reina,
#1219 San Diego, CA 92108
9 Plaintiff has complied with the requirements of Civil Code section 1788.52. Notably,
section 1788.52(a)(7) requires that Plaintiffinclude its debt collector license number in any
written attempts to collect a consumer debt. The legislation that created this requirement
also stated that licenses would not be issued prior to January 1, 2022, and that a debt
collector that submits an application prior to January 1, 2022, may operate pending the
10 approval or denial ofthe application. On or before December 31, 2021, Plaintiff submitted
11 a debt collector license application, which is currently under consideration and has not
12 been denied or approved.
13
10. Attached hereto and incorporated herein by reference are true and correct copies of
14
documents evidencing the Account as stated in California Civil Code §1788.58(b).
15
16 (A) Exhibit 1 is a copy of the document demonstrating the assignment of the
17 Account to Plaintiff.
18
(B) Exhibit 2 is a copy of a statement provided to Defendant while the Account
19
was active, demonstrating that the debt was incurred by the Defendant.
20
(C) Exhibit 3 is a copy of the final billing statement.
21
22 11. Plaintiff believes that Defendant is an individual who currently resides within the
23 jurisdictional boundaries of this Court. Therefore, this Court is the proper Court for
24
adjudication of this matter.
25
12. Defendant failed to make payments as agreed on the Account and has failed to pay
26
amounts due on the Account.
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‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No.
13 Taking into account all known payments, charges, offsets, if any, the amount due on this
account as of the date this Complaint was prepared is $3,120.21, which amount equals the
charge-off balance, less any payments or offsets as applicable.
14 Although demand has been made upon Defendant to pay the outstanding balance on the
Account, Defendant has failed to do so.
FIRST CAUSE OF ACTION
(Account Stated)
15 Plaintiff refers to and incorporates paragraphs | through 14.
10 16. Within the last four years, an account was stated in writing in which it was agreed that
11 Defendant was indebted in the amount previously referenced herein.
12 17. Although demand has been made upon Defendant to pay said amount there remains an
13
outstanding balance on the Account of $3,120.21, which has not been paid, and is now due
14
and owing from Defendant to Plaintiff, as successor in interest.
15
16 SECOND CAUSE OF ACTION
(Open Book Account)
17 18. Plaintiff refers to and incorporates paragraphs | through 17.
18
19 Within the last four years, Defendant became indebted in the amount previously referenced
19
herein for a balance due on an open book account.
20
20. Although demand has been made upon Defendant to pay said amount there remains an
21
22 outstanding balance on the Account of $3,120.21, which has not been paid, and is now due
23 and owing from Defendant to Plaintiff, as successor in interest.
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‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No.
WHEREFORE, as to all Causes of Action, Plaintiff prays for judgment against Defendant,
including but not limited to, the amounts as follows:
1 For damages of $3,120.21;
2 For an award of reasonable attorneys' fees and costs incurred herein; and
3 For such further relief that the Court may deem just and proper.
Dated: January 8 _, 2024 GURSTEL LAW FIRM, P.C.
10
Kimberlee Tsai
11 Brianna Elmassian
12
13 Anna Karkoon
Ann Doan
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‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No.
EXHIBIT 1
EXHIBIT B
BILL OF SALE AND ASSIGNMENT OF ASSETS
For value received, the undersigned Assignor (“Assignor’’) hereby absolutely sells,
transfers, assigns, sets-over, quitclaims and conveys to Absolute Resolutions Investments, LLC, a
limited liability company organized under the laws of Arizona (“Assignee”), all of Assignor’s
right, title and interest in and to each of the assets identified in the Asset Schedule (“Asset
Schedule”) attached hereto as Exhibit A (the “Assets’”), identified in a file named
776_usb_sale_20211116_mod, together with the right to collect all principal, interest or other
proceeds of any kind with respect to the Assets remaining due and owing as of the date hereof
(including but not limited to proceeds derived from the conversion, voluntary or involuntary, of
any of the Assets into cash or other liquidated property, including, without limitation, insurance
proceeds and condemnation awards), from and after the date of this Bill of Sale and Assignment
of Assets.
DATED: November 22, 2021
Lot Number Account Type Number of Assets Balance
= FRESH = a
ASSIGNEE:
By: ( Ne
Name (prin};_Laura R Jensen
Title: CAO
ASSIGNOR:
U.S. Bank National Association,
as credit issuer operating under U.S. Bank, Elan Financial
Services, and ACG Card Services
ff ill Clement
Title: “Pe
Name: Jason Wilkerson
Title: Vice President - Collections Manager
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EXHIBIT 2
(Sbank. cash-+
March 2021 Statement Page 1 of 6
Account: J 6948
Ee
Open Date: 02/12/2021 Closing Date: 03/15/2021
U.S. Bank Cash+ Visa Signature® Card Cardmember Service ¢ 1-800-285-8585
ASHLEY M TAYLOR BNK 10 US2 8
New Balance Activity Summary
Minimum Payment Previous Balance $818.61
Payment Due Date etnies 1 Payments $1,981.00cR
Other Credits $42.37¢cR
Late Pays tt Warning: ff wi Purchases $3,524.48
minimum payment by the date listed above; you may have: Balance Transfers $0.00
{6 pay Up to a $40.00 Late Fee.
Advances $150.00
Cash Rewards Other Debits $0.00
Fees Charged $30.00
Earned This Statement $35.23 Interest Charged $2.75
Rewards Center Balance $20.46
as of 03/14/2021 New Balance $2,502.47
For details, see your rewards summary. Past Due $0.00
Minimum Payment Due $546.00
Revolving Line of Credit $2,000.00
Revolving Line Available None
Days in Billing Period 32
Payment Mail payment coupon Pay online at 1 Pay by phone Pay at your local
Options: b= with a check
Nes
usbank.com " 1-800-285-8585 A WV U.S. Bank branch
Make a payment online OR Please print
out and send this portion of statement
with payment
to the address listed
(Sbank. eS
SS
Account Number a 6948.
Payment Due Date 4/10/2021
24-Hour Cardmember Service: 1-800-285-8585 New Balance $2,502.47
Minimum Payment Due $546.00
|, to pay by phone
u_. to change your address
Amount Enclosed
000038089 02 SP 000638755842034 E
3°
U.S. Bank
ASHLEY M TAY P.O. Box 790408
570 HAM
HAYWARD CA 94541-1416 St Louis, MO 63179-0408
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What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at:
Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335.
In your letter or call, give us the following information:
> Account information: Your name and account number.
> Dollar amount: The dollar amount of the suspected error.
> Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe itis a mistake.
You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error,
the following are true:
> We cannot try to collect the amount in question, or report you as delinquenton that amount.
> The charge in question may remain on your statement, and we may continue to charge you intereston that amount. But, if we determine
that we made a mistake, you will not have to pay the amount in question or any interestor other fees related to that amount.
> While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
> We can apply any unpaid amount against your credit limit.
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 you have tried in good faith to correct the
problem with the merchant, you may have the right not to pay the remaining amountdue on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must
have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we
own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
your credit card accountdo not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box
6335, Fargo, ND 58125-6.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our
decision, At that point, if we think you owe an amount and you do not pay we may report you as delinquent.
Important Information Regarding Your Account
1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the
INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new
transactions) of the Purchase, Advance and Balance Transfer categories subjectto interest, and then adding together the resulting interest
from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in
each category, we add together the daily balances in those categories for the billing cycle and divide the result by the numberof days in the
billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but
unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or
credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transferto the appropriate balances for
those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances
and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid
Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to our Account. Any billed but
unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of th ie Account on the date they
are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the
date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your
Account that accrues interest and will reduce the amount of credit available to you.To the extent credit insurance charges, overlimit fees,
Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB
calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees
and/or Travel Membership Fees (as applicable) are charged to the Account, Prior statement balances subjectto an interest-free period that
have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation
2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located
in the United States. We will also accept payment in U.S. Dollars via the Internetor phone or previously established automatic payment
transaction. We may, at our option, choose to accept a payment drawn on a forei in financial institution. However, you will be charged and
agree to pay any colléction fees required in connection with such a transaction. T fh ie date you mail a payment is different than the date we
receive that payment. The payment date is the day we receive your check or money order at U.S. Bank National Association, P.O. Box
790408, St. Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order
accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by
5:00 p.m. CT on ani banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be
processed within 5 b anking days of receipt and credited to your Accounton the day of receipt. In addition, if you mail your payment without a
payment coupon or to an incorrect address, it may result in a delayed creditto your Account, additional INTEREST CHARGES, fees, and
possible suspension of your Account. Internet and telephone payment options are available, and crediting times vary (but generally must be
made before 5:00 p.m, CT to 8 p.m, CT depending on what day and how the payment is made). If you are making an internet or telephone
payment, please contact Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar
days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will
be credited on the dayof receipt. There is no prepayment penalty if you pay your balance at any time priorto your payment due date.
3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on
your Account may be reflected in your credit report.
(Sbank. cash-+
March 2021 Statement 02/12/2021 - 03/15/2021 Page 2 of 6
ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585
+ Summa
Rewards Center Activity as of 03/14/2021 To Redeem:
Rewards Center Activity* $0.00 Login at usbank.com
Rewards Center Balance $20.46 or call 1-800-285-8585
This Year Redemption Options:
Reward Dollars Earned Statement to Date U.S. Bank Rewards Card
Cash Rewards $34.82 $63.50 Statement Credit
Bonus-Gas, Dept St, Select Clothing St $0.41 $1.72 Direct Depositto U.S. Bank
Checking
[ Total Earned $35.23 $290.22] Savings
Money Market
You've redeemed a total of $234 in Cash Rewards this year.
Orta’ lessages:
Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your
previous balance in full by the Payment Due Date shown on your monthly Account statement. In orderto
avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the
Payment Due Date shown on the front of your monthly Account statement.
There is no interest-free period for transactions that postto the Accountas Advances or Balance Transfers
exceptas provided in any Offer Materials. Those transactions are subjectto interest from the date they post
to the Account until the date they are paid in full.
If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may
submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your
name, address, phone number, account number, the specific information you are disputing, the explanation
of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to:
U.S. Bank National Association
Consumer Recovery Department
Attn: CBR Disputes
P.O. Box
StLouis, MO 63166-0108
Important information regarding your U.S. Bank Credit Card Account.
Effective J une 1, 2021, the minimum redemption amount required to
redeem cash back in the form of a statement credit or a deposit made to
our U.S. Bank Savin 9, Checking or Money Market Account will be $25
previously, it was $0.'
Kick-start your tax season with
Thank you for being a valued U S. toBank$20 customer.
off TurboTax.
To show
our appreciation,
we've partnered with TurboTax to bring you savings during this tax season.
Visit usbank.com/turbotax to learn more.
Cash rewards will expire at the end of the calendar month 36 months
$
after the billin cycle in which they were earned. Please contact
Cardmember ervice at 1-800-285-8585 to confirm your expiration date.
We have added Mobile Authentication and Cellular Phone Contact Policy to
and made changes to the Arbitration Agreement in your account agreement.
Please visit usbank.com/agreementchanges to review.
If you have any questions, call the number on the back of your card.
IMPORTANT UPDATE: Your Visa card now includes complimentary access to ID
Navigator Powered by NortonLifeLock, providing you with the tools to help
keep ‘ou informed of potential threats to your identity. To confirm
I
eligibi ity, visit www.cardbenefitidprotect.com.
The Postmates benefit provided by Visa that was coming in early 2021 will
Continued on Next Page
(Sbank. cash-+
March 2021 Statement 02/12/2021 - 03/15/2021 Page 3 of 6
ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585
Important Messages
no longer be available due to recent changes in Postmates' ownershi|
Transactions
Payments and Other Credits
Post Trans
Date Date Ref # Transaction Description Amount
02/16 02/14 9383 TARGET.COM * 800-591-3869 MN $6.56CR
MERCHANDISE/SERVICE RETURN
02/16 02/15 0229 TARGET.COM * 800-591-3869 MN $19.98CR
MERCHANDISE/SERVICE RETURN
02/16 02/15 9335 TARGET.COM * 800-591-3869 MN $10.27cR
MERCHANDISE/SERVICE RETURN
02/16 02/15 0402 TARGET.COM * 800-591-3869 MN $5.56CR
MERCHANDISE/SERVICE RETURN
02/16 0000 MOBILE PAYMENT THANK YOU $40.00cR
02/16 0000 MOBILE PAYMENT THANK YOU $200.00cr
02/16 02/16 0000 MOBILE PAYMENT THANK YOU $500.00crR
02/18 02/18 0000 MOBILE PAYMENT THANK YOU $35.00cR
02/18 02/18 0000 MOBILE PAYMENT THANK YOU $200.00cr
02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR
02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR
02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR
02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR
02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR
02/22 02/22 0000 MOBILE PAYMENT THANK YOU $50.00cR
02/23 02/23 0000 MOBILE PAYMENT THANK YOU $15.00cR
02/23 02/23 0000 MOBILE PAYMENT THANK YOU $50.00cR
02/23 02/23 0000 MOBILE PAYMENT THANK YOU $100.00crR
02/24 02/24 0000 MOBILE PAYMENT THANK YOU $30.00cR
03/01 0000 MOBILE PAYMENT THANK YOU $553.00cR
03/02 03/02 0000 MOBILE PAYMENT THANK YOU $123.00cR
03/03 03/03 0000 MOBILE PAYMENT THANK YOU $20.00cR
TOTAL THIS PERIOD $2,023.37cR
Purchases and Other Debits
Post Trans
Date Date Ref # Transaction Description Amount
02/12 02/12 9699 TARGET.COM 800-591-3869 MN $17.80
02/12 02/12 1085 TARGET.COM 800-591-3869 MN $9.99
02/12 02/12 3633 TARGET.COM 800-591-3869 MN $9.86
02/12 02/12 3807 TARGET.COM 800-591-3869 MN $87.60
02/12 02/12 9729 TARGET.COM 800-591-3869 MN $67.44
02/12 02/12 7474 TARGET.COM 800-591-3869 MN $14.24
02/16 02/16 8183 TARGET.COM 800-591-3869 MN $113.91
02/16 02/12 5339 MCDONALD'S F18516 HAYWARD CA $42.65
02/16 02/13 6627 VENMO 855-812-4430 NY $309.00
02/16 02/14 0663 TARGET.COM * 800-591-3869 MN $27.91
02/16 02/14 7242 TARGET.COM * 800-591-3869 MN $10.27
02/16 02/14 6475 TARGET.COM * 800-591-3869 MN $45.92
02/16 02/14 1047 TARGET.COM * 800-591-3869 MN $19.98
Continued on Next Page
(Sbank. cash-+
March 2021 Statement 02/12/2021 - 03/15/2021 Page
4 of 6
ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585
a Transactions.
Purchases and Other Debits
Post Trans
Date Date Ref # Transaction Description Amount
02/16 02/14 2428 VENMO 855-812-4430 NY $206.00
02/16 02/15 2674 TARGET.COM 800-591-3869 MN $4.77
02/16 02/15 7178 TARGET.COM 800-591-3869 MN $82.75
02/16 02/15 1381 TARGET.COM 800-591-3869 MN $176.36
02/16 02/15 0568 TARGET.COM 800-591-3869 MN $2.73
02/16 02/15 9069 TARGET.COM 800-591-3869 MN $5.35
02/16 02/12 4545 TARGET 00014720 HAYWARD CA $108.26
02/16 02/13 5256 TARGET.COM 800-591-3869 MN $105.53
02/16 02/13 2004 TARGET.COM 800-591-3869 MN $60.26
02/16 02/13 7666 TARGET.COM 800-591-3869 MN $37.15
02/16 02/13 2450 TARGET.COM 800-591-3869 MN $21.84
02/16 02/13 8352 TARGET.COM 800-591-3869 MN $32.76
02/16 02/13 7164 TARGET.COM 800-591-3869 MN $10.93
02/16 02/13 9918 TARGET.COM 800-591-3869 MN $14.20
02/17 02/13 4990 KAISER CPP PHARM 256 8882186245 CA $20.00
02/17 02/15 4449 KAISER CPP PHARM 256 8882186245 CA $20.00
02/18 02/16 0272 HOT PODZ 862-777-2339 NJ $146.46
02/19 02/19 8329 TARGET.COM * 800-591-3869 MN $16.34
02/19 02/19 0000 MOBILE CASH ADVANCE $50.00
02/22 02/20 8507 SEZZLE ORDER P1 888-540-1867 MN $32.92
02/22 02/20 1013 SEZZLE ORDER P1 888-540-1867 MN $16.35
02/22 02/20 8477 SEZZLE ORDER P1 888-540-1867 MN $7.89
02/22 02/21 3854 SEZZLE ORDER P1 888-540-1867 MN $8.32
02/22 02/21 1391 SEZZLE ORDER P1 888-540-1867 MN $90.98
02/22 02/21 8267 SEZZLE ORDER P1 888-540-1867 MN $5.93
02/22 02/19 7652 SEZZLE ORDER P1 888-540-1867 MN $124.78
02/23 02/21 9896 TACO BELL 30784 SAN LEANDRO CA $42.18
02/23 02/21 9677 TARGET 00014720 HAYWARD CA $10.94
02/23 02/23 0000 MOBILE CASH ADVANCE $50.00
02/24 02/23 3529 SEZZLE ODR B9EG P2 HTTPSSEZZLE.C MN $7.89
02/24 02/23 7564 APPLE.COM/BILL 866-712-7753 CA $9.99
02/24 02/23 9014 APPLE.COM/BILL 866-712-7753 CA $1.99
02/24 02/23 7969 SEZZLE ORDER P1 888-540-1867 MN $35.00
02/25 02/24 4913 SEZZLE ORDER P1 888-540-1867 MN $8.58
02/25 02/24 1554 SEZZLE ODR 9LAG P2 888-540-1867 MN $16.35
02/25 02/24 5522 SEZZLE ODR FK8G P2 888-540-1867 MN $8.32
02/25 02/24 2429 SEZZLE ODR FKVO P2 888-540-1867 MN $5.93
02/25 02/24 5066 SEZZLE ODR UV30 P2 888-540-1867 MN $35.00
02/25 02/24 9298 SEZZLE ODR 9K1G P2 888-540-1867 MN $32.92
02/25 02/24 5346 SEZZLE ODR FKVO P3 888-540-1867 MN $5.93
02/26 02/25 4553 SEZZLE ORDER P1 888-540-1867 MN $1.29
02/26 02/25 3497 SEZZLE ODR NR7G P1 888-540-1867 MN $28.79
03/01 02/27 7254 SEZZLE ODRJMFGP2 HTTPSSEZZLE.C MN $124.78
03/01 02/27 6907 76 - UNITED PACIFIC 54 SAN LORENZO CA $41.15
03/01 02/27 4735 MCDONALD'S F7767 SAN LEANDRO CA $30.13
03/01 02/27 4681 TARGET 00011221SAN MATEO CA $31.01
03/01 02/28 0388 SEZZLE ODR K91G P2 888-540-1867 MN $1.29
03/01 02/28 8259 SEZZLE ODR KDDOP1 888-540-1867 MN $16.49
03/01 02/28 1917 SEZZLE ODR 7C2G P2 888-540-1867 MN $90.98
Continued on Next Page
(Sbank. cash-+
March 2021 Statement 02/12/2021 - 03/15/2021 Page 5 of 6
ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585
‘Transactions.
Purchases and Other Debits
Post Trans
Date Date Ref # Transaction Description Amount
03/01 02/28 1485 SEZZLE ODR FCSO P2 888-540-1867 MN $8.58
03/01 02/28 9137 SEZZLE ODR 9LAG P3 888-540-1867 MN $16.35
03/01 02/28 7901 SEZZLE ODR J MFG P3 888-540-1867 MN $124.78
03/01 02/28 9000 SEZZLE ODR KDDO P2 888-540-1867 MN $16.49
03/03 03/02 1101 TARGET 00014282 SAN LEANDRO CA $74.97
03/03 03/02 1736 SEZZLE ORDER P1 888-540-1867 MN $9.57
03/03 03/02 3305 SEZZLE ORDER P1 888-540-1867 MN $37.17
03/03 03/02 9572 SEZZLE ODR GKNOP1 888-540-1867 MN $66.19
03/03 03/02 0000 MOBILE CASH ADVANCE $50.00
03/04 03/03 7201 SEZZLE ODR B9EG P3 888-540-1867 MN $7.89
03/04 03/03 9852 SEZZLE ODR FK8G P3 888-540-1867 MN $8.32
03/04 03/03 4498 SEZZLE ODR 030G P2 888-540-1867 MN $9.57
03/04 03/03 1077 SEZZLE ODR 1FAG P2 888-540-1867 MN $37.17
03/04 03/03 9644 SEZZLE ODR GKNO P2 888-540-1867 MN $66.19
03/05 03/04 2571 SEZZLE ODR IUSG P2 HTTPSSEZZLE.C MN $9.72
03/05 03/04 6249 SEZZLE ODR FCSO P3 HTTPSSEZZLE.C MN $8.58
03/05 03/04 3623 APPLE.COM/BILL 866-712-7753 CA $9.99
03/05 03/04 1019 SEZZLE ORDER P1 888-540-1867 MN $2.95
03/05 03/04 9035 SEZZLE ODR 7C2G P3 888-540-1867 MN $90.98
03/05 03/04 2142 SEZZLE ODR 9K1G P3 888-540-1867 MN $32.92
03/05 03/04 3570 SEZZLE ODR OOGG P2 888-540-1867 MN $12.91
03/05 03/04 3222 SEZZLE ODR UV30 P3 888-540-1867 MN $35.00
03/05 03/04 5781 SEZZLE ORDER P1 888-540-1867 MN $12.91
03/05 03/04 7653 SEZZLE ORDER P1 888-540-1867 MN $9.72
03/08 03/06 7717 SEZZLE ORDER P1 888-540-1867 MN $53.03
03/08 03/06 8478 SEZZLE ORDER P1 888-540-1867 MN $30.89
03/08 03/06 2611 SEZZLE ORDER P1 888-540-1867 MN $1.67
03/08 03/05 7664 SEZZLE ODR K91G P3 888-540-1867 MN $1.71
03/08 03/05 0528 SEZZLE ODR M75G P2 888-540-1867 MN $2.95
03/08 03/05 5274 SEZZLE ODR M75G P3 888-540-1867 MN $2.95
TOTAL THIS PERIOD $3,674.48
Fees
Post Trans
Date Date Ref # Transaction Description Amount
02/19 02/19 INTERNET CASH ADV FEE $10.00
02/23 02/23 INTERNET CASH ADV FEE $10.00
03/03 03/02 INTERNET CASH ADV FEE $10.00
TOTAL FEES THIS PERIOD $30.00
Interest Charged
Post
Date Transaction Description Amount
03/15 INTEREST CHARGE ON CASH ADVANCES $2.75
TOTAL INTEREST THIS PERIOD $2.75
Continued on Next Page
(Sbank. cash-+
March 2021 Statement 02/12/2021 - 03/15/2021 Page 6 of 6
ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585
21
Total Fees Charged in 2021 $60.00
Total Interest Charged in 2021 $14.64
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
**APR for current and future transactions.
Balance Annual Expires
Balance Subjectto Interest Percentage with
Balance Type By Type Interest Rate Variable Charge Rate Statement
BALANCE TRANSFER $0.00 $0.00 YES $0.00 23.99%
PURCHASES. $2,319.72 $0.00 YES $0.00 23.99%
ADVANCES. $182.75 $130.97 YES $2.75 23.99%
tact Us
¢ Phone ? Questions
b= Mail payment coupon
with a check
Online
Voice: 1-800-285-8585 Cardmember Service U.S. Bank usbank.com
TDD: 1-888-352-6455 P.O. Box 6352 P.O. Box 790408
Fax: 1-866-568-7729 Fargo, ND 58125-6352 St Louis, MO 63179-0408
End of Statement
ASHLEY M TAYLOR
Rewards Center upgrades are
currently in progress.
As a result, this statement
will only reflect cash rewards
earned this billing cycle. Your available cash balance and
activity are available in the Rewards Center or by phone.
Sign in to usbank.com to access the Rewards Center or call 888.229.8864.
EXHIBIT 3
(Sbank. cash-+
October 2021 Statement Page 1 of 3
Open Date: 09/15/2021 Closing Date: 10/14/2021 Account: J 6948
U.S. Bank Cash+ Visa Signature® Card Cardmember Service ¢ 1-800-285-8585
ASHLEY M TAYLOR BNK 10 US2 8
New Balance $3, 120.2 1 Activity Summary
Minimum Payment D: Previous Balance + $3,059.89
Payment Due Date (10/2021 Payments $0.00
Other Credits $0.00
Late Payment Warning: ff Purchases $0.00
minimum payment by the date listed above, you may have
Balance Transfers $0.00
to pay up to a $40.00 Late Fee.
Advances $0.00
Other Debits $0.00
Minimum Payment Warning: If you make only the minimum
Fees Charged $0.00
payment each period, you will pay more in interest and it will +
take you longerto pay off your balance. For example: Interest Charged $60.32
Ifyou make no You will pay off And you will New Balance $3,120.21
additional charges the balance shown end up paying Past Due
Preview
1606220 ELECTRONICALLY FILED GURSTEL LAW FIRM P.C. Superior Court of California Gurstel Law Firm P.C.’s California Debt Collection License: 10361-99, county of Alameda Kimberlee Tsai (SBN # 227426) 01/16/2024 at 12:00:00 AM Brianna Elmassian (SBN# 329673) By: Damaree Franklin, Stella Park (SBN# 310445) Deputy Clerk Spencer Penuela (SBN# 324544) Anna Karkoon (SBN# 295797) Ann Doan (SBN# 297543) 9320 East Raintree Drive, Scottsdale, AZ 85260 Telephone: (877) 344-4002 Fax: (877) 750-6335 info@gurstel.com Attorneys for Plaintiff, Absolute Resolutions Investments, LLC 10 SUPERIOR COURT OF THE STATE OF CALIFORNIA 11 ALAMEDA COUNTY - HAYWARD COURT 12 Absolute Resolutions Investments, LLC Case No. 24070680078 13 Plaintiff, COMPLAINT FOR MONEY DUE ON 14 vs. ACCOUNT STATED; OPEN BOOK 15 ACCOUNT Ashley M Taylor 16 Defendant. 17 18 Absolute Resolutions Investments, LLC(‘“Plaintiff’) alleges causes of action against Ashley 19 M Taylor ("Defendant") as follows: 20 ALLEGATIONS COMMON TO ALL CAUSES OF ACTION 21 1 Plaintiff is a debt buyer. 23 24 25 26 27 28 1 ‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No. Plaintiff believes that, on or about December 31, 2020, U.S. Bank National Association provided Defendant with a credit account ("Account"), and granted use privileges on the same. Defendant used the Account to make purchases and/or take cash advances and/or make balance transfers, each time reaffirming Defendant's agreement to repay U.S. Bank National Association and its successors in interest, for the amount of the purchase and/or cash advances and/or balance transfers. Plaintiff is the sole owner of the debt at issue. 10 The debt balance at charge-off was $3,120.21. $0.00 in post charge-off fees and $0.00 in 11 post charge-off interest have been imposed since the time of charge-off. 12 The date of last payment on the Account was on March 3, 2021. 13 The charge-off creditor at the time of charge-off was U.S. Bank National Association 14 (“Charge-Off Creditor”), whose address at said time was P.O. Box 790408, St. Louis, MO 15 16 63179-0408 . Charge-Off Creditor’s account number associated with the debt is 17 ARAAAARARERER6OAS | 18 Defendant’s name and address as it appeared in the Charge-Off Creditor's records prior to 19 the sale of the Account to Plaintiff is ASHLEY M TAYLOR, 570 HAMPTON RD, 20 HAYWARD, CA 94541-1416. 21 22 Prior to the commencement of this action, the Account was assigned or otherwise 23 transferred to Plaintiff. Plaintiff, is the present holder and sole owner of the Account. 24 Plaintiff's address is 591 Camino de la Reina, #1219, San Diego, CA 92108. The names 25 and address of all persons or entities that purchased the debt after charge-off are: 26 27 28 ‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No. (A) Absolute Resolutions Investments, LLC, 591 Camino de la Reina, #1219 San Diego, CA 92108 9 Plaintiff has complied with the requirements of Civil Code section 1788.52. Notably, section 1788.52(a)(7) requires that Plaintiffinclude its debt collector license number in any written attempts to collect a consumer debt. The legislation that created this requirement also stated that licenses would not be issued prior to January 1, 2022, and that a debt collector that submits an application prior to January 1, 2022, may operate pending the 10 approval or denial ofthe application. On or before December 31, 2021, Plaintiff submitted 11 a debt collector license application, which is currently under consideration and has not 12 been denied or approved. 13 10. Attached hereto and incorporated herein by reference are true and correct copies of 14 documents evidencing the Account as stated in California Civil Code §1788.58(b). 15 16 (A) Exhibit 1 is a copy of the document demonstrating the assignment of the 17 Account to Plaintiff. 18 (B) Exhibit 2 is a copy of a statement provided to Defendant while the Account 19 was active, demonstrating that the debt was incurred by the Defendant. 20 (C) Exhibit 3 is a copy of the final billing statement. 21 22 11. Plaintiff believes that Defendant is an individual who currently resides within the 23 jurisdictional boundaries of this Court. Therefore, this Court is the proper Court for 24 adjudication of this matter. 25 12. Defendant failed to make payments as agreed on the Account and has failed to pay 26 amounts due on the Account. 27 28 ‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No. 13 Taking into account all known payments, charges, offsets, if any, the amount due on this account as of the date this Complaint was prepared is $3,120.21, which amount equals the charge-off balance, less any payments or offsets as applicable. 14 Although demand has been made upon Defendant to pay the outstanding balance on the Account, Defendant has failed to do so. FIRST CAUSE OF ACTION (Account Stated) 15 Plaintiff refers to and incorporates paragraphs | through 14. 10 16. Within the last four years, an account was stated in writing in which it was agreed that 11 Defendant was indebted in the amount previously referenced herein. 12 17. Although demand has been made upon Defendant to pay said amount there remains an 13 outstanding balance on the Account of $3,120.21, which has not been paid, and is now due 14 and owing from Defendant to Plaintiff, as successor in interest. 15 16 SECOND CAUSE OF ACTION (Open Book Account) 17 18. Plaintiff refers to and incorporates paragraphs | through 17. 18 19 Within the last four years, Defendant became indebted in the amount previously referenced 19 herein for a balance due on an open book account. 20 20. Although demand has been made upon Defendant to pay said amount there remains an 21 22 outstanding balance on the Account of $3,120.21, which has not been paid, and is now due 23 and owing from Defendant to Plaintiff, as successor in interest. 24 25 26 27 28 ‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No. WHEREFORE, as to all Causes of Action, Plaintiff prays for judgment against Defendant, including but not limited to, the amounts as follows: 1 For damages of $3,120.21; 2 For an award of reasonable attorneys' fees and costs incurred herein; and 3 For such further relief that the Court may deem just and proper. Dated: January 8 _, 2024 GURSTEL LAW FIRM, P.C. 10 Kimberlee Tsai 11 Brianna Elmassian 12 13 Anna Karkoon Ann Doan 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 ‘Absolute Resolutions Investments, LLC vs. Ashley M Taylor / Case No. EXHIBIT 1 EXHIBIT B BILL OF SALE AND ASSIGNMENT OF ASSETS For value received, the undersigned Assignor (“Assignor’’) hereby absolutely sells, transfers, assigns, sets-over, quitclaims and conveys to Absolute Resolutions Investments, LLC, a limited liability company organized under the laws of Arizona (“Assignee”), all of Assignor’s right, title and interest in and to each of the assets identified in the Asset Schedule (“Asset Schedule”) attached hereto as Exhibit A (the “Assets’”), identified in a file named 776_usb_sale_20211116_mod, together with the right to collect all principal, interest or other proceeds of any kind with respect to the Assets remaining due and owing as of the date hereof (including but not limited to proceeds derived from the conversion, voluntary or involuntary, of any of the Assets into cash or other liquidated property, including, without limitation, insurance proceeds and condemnation awards), from and after the date of this Bill of Sale and Assignment of Assets. DATED: November 22, 2021 Lot Number Account Type Number of Assets Balance = FRESH = a ASSIGNEE: By: ( Ne Name (prin};_Laura R Jensen Title: CAO ASSIGNOR: U.S. Bank National Association, as credit issuer operating under U.S. Bank, Elan Financial Services, and ACG Card Services ff ill Clement Title: “Pe Name: Jason Wilkerson Title: Vice President - Collections Manager 1|Page Ke Ole = = PR > x LS fos zo oa = 2a oa 2a a oa 2 2 og 2a 2 a So 2a 2 od So 2a oa 2 og 2a on iS 2a oa 2a iQ oa 2 og Na 2a 2 a So 2a 2 od So 2a oa 2 og 2a ‘2 on 2a oa 2a <2 z o a 8° pas oa z|> ZIo milo 3S}o z|> He Ol ZIo EXHIBIT 2 (Sbank. cash-+ March 2021 Statement Page 1 of 6 Account: J 6948 Ee Open Date: 02/12/2021 Closing Date: 03/15/2021 U.S. Bank Cash+ Visa Signature® Card Cardmember Service ¢ 1-800-285-8585 ASHLEY M TAYLOR BNK 10 US2 8 New Balance Activity Summary Minimum Payment Previous Balance $818.61 Payment Due Date etnies 1 Payments $1,981.00cR Other Credits $42.37¢cR Late Pays tt Warning: ff wi Purchases $3,524.48 minimum payment by the date listed above; you may have: Balance Transfers $0.00 {6 pay Up to a $40.00 Late Fee. Advances $150.00 Cash Rewards Other Debits $0.00 Fees Charged $30.00 Earned This Statement $35.23 Interest Charged $2.75 Rewards Center Balance $20.46 as of 03/14/2021 New Balance $2,502.47 For details, see your rewards summary. Past Due $0.00 Minimum Payment Due $546.00 Revolving Line of Credit $2,000.00 Revolving Line Available None Days in Billing Period 32 Payment Mail payment coupon Pay online at 1 Pay by phone Pay at your local Options: b= with a check Nes usbank.com " 1-800-285-8585 A WV U.S. Bank branch Make a payment online OR Please print out and send this portion of statement with payment to the address listed (Sbank. eS SS Account Number a 6948. Payment Due Date 4/10/2021 24-Hour Cardmember Service: 1-800-285-8585 New Balance $2,502.47 Minimum Payment Due $546.00 |, to pay by phone u_. to change your address Amount Enclosed 000038089 02 SP 000638755842034 E 3° U.S. Bank ASHLEY M TAY P.O. Box 790408 570 HAM HAYWARD CA 94541-1416 St Louis, MO 63179-0408 Half pegfegepMfeaLaa gf Lucale Hossa flap bee ogLa fy gH tof] WMosaeel Uggla egeU feet fof ANY gfe gg tefl fpf What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335. In your letter or call, give us the following information: > Account information: Your name and account number. > Dollar amount: The dollar amount of the suspected error. > Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe itis a mistake. You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error, the following are true: > We cannot try to collect the amount in question, or report you as delinquenton that amount. > The charge in question may remain on your statement, and we may continue to charge you intereston that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interestor other fees related to that amount. > While you do not have to pay the amount in question, you are responsible for the remainder of your balance. > We can apply any unpaid amount against your credit limit. 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 you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amountdue on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card accountdo not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision, At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new transactions) of the Purchase, Advance and Balance Transfer categories subjectto interest, and then adding together the resulting interest from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in each category, we add together the daily balances in those categories for the billing cycle and divide the result by the numberof days in the billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transferto the appropriate balances for those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to our Account. Any billed but unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of th ie Account on the date they are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.To the extent credit insurance charges, overlimit fees, Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees and/or Travel Membership Fees (as applicable) are charged to the Account, Prior statement balances subjectto an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation 2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. We will also accept payment in U.S. Dollars via the Internetor phone or previously established automatic payment transaction. We may, at our option, choose to accept a payment drawn on a forei in financial institution. However, you will be charged and agree to pay any colléction fees required in connection with such a transaction. T fh ie date you mail a payment is different than the date we receive that payment. The payment date is the day we receive your check or money order at U.S. Bank National Association, P.O. Box 790408, St. Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on ani banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within 5 b anking days of receipt and credited to your Accounton the day of receipt. In addition, if you mail your payment without a payment coupon or to an incorrect address, it may result in a delayed creditto your Account, additional INTEREST CHARGES, fees, and possible suspension of your Account. Internet and telephone payment options are available, and crediting times vary (but generally must be made before 5:00 p.m, CT to 8 p.m, CT depending on what day and how the payment is made). If you are making an internet or telephone payment, please contact Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the dayof receipt. There is no prepayment penalty if you pay your balance at any time priorto your payment due date. 3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. (Sbank. cash-+ March 2021 Statement 02/12/2021 - 03/15/2021 Page 2 of 6 ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585 + Summa Rewards Center Activity as of 03/14/2021 To Redeem: Rewards Center Activity* $0.00 Login at usbank.com Rewards Center Balance $20.46 or call 1-800-285-8585 This Year Redemption Options: Reward Dollars Earned Statement to Date U.S. Bank Rewards Card Cash Rewards $34.82 $63.50 Statement Credit Bonus-Gas, Dept St, Select Clothing St $0.41 $1.72 Direct Depositto U.S. Bank Checking [ Total Earned $35.23 $290.22] Savings Money Market You've redeemed a total of $234 in Cash Rewards this year. Orta’ lessages: Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. In orderto avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the Payment Due Date shown on the front of your monthly Account statement. There is no interest-free period for transactions that postto the Accountas Advances or Balance Transfers exceptas provided in any Offer Materials. Those transactions are subjectto interest from the date they post to the Account until the date they are paid in full. If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your name, address, phone number, account number, the specific information you are disputing, the explanation of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to: U.S. Bank National Association Consumer Recovery Department Attn: CBR Disputes P.O. Box StLouis, MO 63166-0108 Important information regarding your U.S. Bank Credit Card Account. Effective J une 1, 2021, the minimum redemption amount required to redeem cash back in the form of a statement credit or a deposit made to our U.S. Bank Savin 9, Checking or Money Market Account will be $25 previously, it was $0.' Kick-start your tax season with Thank you for being a valued U S. toBank$20 customer. off TurboTax. To show our appreciation, we've partnered with TurboTax to bring you savings during this tax season. Visit usbank.com/turbotax to learn more. Cash rewards will expire at the end of the calendar month 36 months $ after the billin cycle in which they were earned. Please contact Cardmember ervice at 1-800-285-8585 to confirm your expiration date. We have added Mobile Authentication and Cellular Phone Contact Policy to and made changes to the Arbitration Agreement in your account agreement. Please visit usbank.com/agreementchanges to review. If you have any questions, call the number on the back of your card. IMPORTANT UPDATE: Your Visa card now includes complimentary access to ID Navigator Powered by NortonLifeLock, providing you with the tools to help keep ‘ou informed of potential threats to your identity. To confirm I eligibi ity, visit www.cardbenefitidprotect.com. The Postmates benefit provided by Visa that was coming in early 2021 will Continued on Next Page (Sbank. cash-+ March 2021 Statement 02/12/2021 - 03/15/2021 Page 3 of 6 ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585 Important Messages no longer be available due to recent changes in Postmates' ownershi| Transactions Payments and Other Credits Post Trans Date Date Ref # Transaction Description Amount 02/16 02/14 9383 TARGET.COM * 800-591-3869 MN $6.56CR MERCHANDISE/SERVICE RETURN 02/16 02/15 0229 TARGET.COM * 800-591-3869 MN $19.98CR MERCHANDISE/SERVICE RETURN 02/16 02/15 9335 TARGET.COM * 800-591-3869 MN $10.27cR MERCHANDISE/SERVICE RETURN 02/16 02/15 0402 TARGET.COM * 800-591-3869 MN $5.56CR MERCHANDISE/SERVICE RETURN 02/16 0000 MOBILE PAYMENT THANK YOU $40.00cR 02/16 0000 MOBILE PAYMENT THANK YOU $200.00cr 02/16 02/16 0000 MOBILE PAYMENT THANK YOU $500.00crR 02/18 02/18 0000 MOBILE PAYMENT THANK YOU $35.00cR 02/18 02/18 0000 MOBILE PAYMENT THANK YOU $200.00cr 02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR 02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR 02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR 02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR 02/22 02/22 0000 MOBILE PAYMENT THANK YOU $13.00cR 02/22 02/22 0000 MOBILE PAYMENT THANK YOU $50.00cR 02/23 02/23 0000 MOBILE PAYMENT THANK YOU $15.00cR 02/23 02/23 0000 MOBILE PAYMENT THANK YOU $50.00cR 02/23 02/23 0000 MOBILE PAYMENT THANK YOU $100.00crR 02/24 02/24 0000 MOBILE PAYMENT THANK YOU $30.00cR 03/01 0000 MOBILE PAYMENT THANK YOU $553.00cR 03/02 03/02 0000 MOBILE PAYMENT THANK YOU $123.00cR 03/03 03/03 0000 MOBILE PAYMENT THANK YOU $20.00cR TOTAL THIS PERIOD $2,023.37cR Purchases and Other Debits Post Trans Date Date Ref # Transaction Description Amount 02/12 02/12 9699 TARGET.COM 800-591-3869 MN $17.80 02/12 02/12 1085 TARGET.COM 800-591-3869 MN $9.99 02/12 02/12 3633 TARGET.COM 800-591-3869 MN $9.86 02/12 02/12 3807 TARGET.COM 800-591-3869 MN $87.60 02/12 02/12 9729 TARGET.COM 800-591-3869 MN $67.44 02/12 02/12 7474 TARGET.COM 800-591-3869 MN $14.24 02/16 02/16 8183 TARGET.COM 800-591-3869 MN $113.91 02/16 02/12 5339 MCDONALD'S F18516 HAYWARD CA $42.65 02/16 02/13 6627 VENMO 855-812-4430 NY $309.00 02/16 02/14 0663 TARGET.COM * 800-591-3869 MN $27.91 02/16 02/14 7242 TARGET.COM * 800-591-3869 MN $10.27 02/16 02/14 6475 TARGET.COM * 800-591-3869 MN $45.92 02/16 02/14 1047 TARGET.COM * 800-591-3869 MN $19.98 Continued on Next Page (Sbank. cash-+ March 2021 Statement 02/12/2021 - 03/15/2021 Page 4 of 6 ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585 a Transactions. Purchases and Other Debits Post Trans Date Date Ref # Transaction Description Amount 02/16 02/14 2428 VENMO 855-812-4430 NY $206.00 02/16 02/15 2674 TARGET.COM 800-591-3869 MN $4.77 02/16 02/15 7178 TARGET.COM 800-591-3869 MN $82.75 02/16 02/15 1381 TARGET.COM 800-591-3869 MN $176.36 02/16 02/15 0568 TARGET.COM 800-591-3869 MN $2.73 02/16 02/15 9069 TARGET.COM 800-591-3869 MN $5.35 02/16 02/12 4545 TARGET 00014720 HAYWARD CA $108.26 02/16 02/13 5256 TARGET.COM 800-591-3869 MN $105.53 02/16 02/13 2004 TARGET.COM 800-591-3869 MN $60.26 02/16 02/13 7666 TARGET.COM 800-591-3869 MN $37.15 02/16 02/13 2450 TARGET.COM 800-591-3869 MN $21.84 02/16 02/13 8352 TARGET.COM 800-591-3869 MN $32.76 02/16 02/13 7164 TARGET.COM 800-591-3869 MN $10.93 02/16 02/13 9918 TARGET.COM 800-591-3869 MN $14.20 02/17 02/13 4990 KAISER CPP PHARM 256 8882186245 CA $20.00 02/17 02/15 4449 KAISER CPP PHARM 256 8882186245 CA $20.00 02/18 02/16 0272 HOT PODZ 862-777-2339 NJ $146.46 02/19 02/19 8329 TARGET.COM * 800-591-3869 MN $16.34 02/19 02/19 0000 MOBILE CASH ADVANCE $50.00 02/22 02/20 8507 SEZZLE ORDER P1 888-540-1867 MN $32.92 02/22 02/20 1013 SEZZLE ORDER P1 888-540-1867 MN $16.35 02/22 02/20 8477 SEZZLE ORDER P1 888-540-1867 MN $7.89 02/22 02/21 3854 SEZZLE ORDER P1 888-540-1867 MN $8.32 02/22 02/21 1391 SEZZLE ORDER P1 888-540-1867 MN $90.98 02/22 02/21 8267 SEZZLE ORDER P1 888-540-1867 MN $5.93 02/22 02/19 7652 SEZZLE ORDER P1 888-540-1867 MN $124.78 02/23 02/21 9896 TACO BELL 30784 SAN LEANDRO CA $42.18 02/23 02/21 9677 TARGET 00014720 HAYWARD CA $10.94 02/23 02/23 0000 MOBILE CASH ADVANCE $50.00 02/24 02/23 3529 SEZZLE ODR B9EG P2 HTTPSSEZZLE.C MN $7.89 02/24 02/23 7564 APPLE.COM/BILL 866-712-7753 CA $9.99 02/24 02/23 9014 APPLE.COM/BILL 866-712-7753 CA $1.99 02/24 02/23 7969 SEZZLE ORDER P1 888-540-1867 MN $35.00 02/25 02/24 4913 SEZZLE ORDER P1 888-540-1867 MN $8.58 02/25 02/24 1554 SEZZLE ODR 9LAG P2 888-540-1867 MN $16.35 02/25 02/24 5522 SEZZLE ODR FK8G P2 888-540-1867 MN $8.32 02/25 02/24 2429 SEZZLE ODR FKVO P2 888-540-1867 MN $5.93 02/25 02/24 5066 SEZZLE ODR UV30 P2 888-540-1867 MN $35.00 02/25 02/24 9298 SEZZLE ODR 9K1G P2 888-540-1867 MN $32.92 02/25 02/24 5346 SEZZLE ODR FKVO P3 888-540-1867 MN $5.93 02/26 02/25 4553 SEZZLE ORDER P1 888-540-1867 MN $1.29 02/26 02/25 3497 SEZZLE ODR NR7G P1 888-540-1867 MN $28.79 03/01 02/27 7254 SEZZLE ODRJMFGP2 HTTPSSEZZLE.C MN $124.78 03/01 02/27 6907 76 - UNITED PACIFIC 54 SAN LORENZO CA $41.15 03/01 02/27 4735 MCDONALD'S F7767 SAN LEANDRO CA $30.13 03/01 02/27 4681 TARGET 00011221SAN MATEO CA $31.01 03/01 02/28 0388 SEZZLE ODR K91G P2 888-540-1867 MN $1.29 03/01 02/28 8259 SEZZLE ODR KDDOP1 888-540-1867 MN $16.49 03/01 02/28 1917 SEZZLE ODR 7C2G P2 888-540-1867 MN $90.98 Continued on Next Page (Sbank. cash-+ March 2021 Statement 02/12/2021 - 03/15/2021 Page 5 of 6 ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585 ‘Transactions. Purchases and Other Debits Post Trans Date Date Ref # Transaction Description Amount 03/01 02/28 1485 SEZZLE ODR FCSO P2 888-540-1867 MN $8.58 03/01 02/28 9137 SEZZLE ODR 9LAG P3 888-540-1867 MN $16.35 03/01 02/28 7901 SEZZLE ODR J MFG P3 888-540-1867 MN $124.78 03/01 02/28 9000 SEZZLE ODR KDDO P2 888-540-1867 MN $16.49 03/03 03/02 1101 TARGET 00014282 SAN LEANDRO CA $74.97 03/03 03/02 1736 SEZZLE ORDER P1 888-540-1867 MN $9.57 03/03 03/02 3305 SEZZLE ORDER P1 888-540-1867 MN $37.17 03/03 03/02 9572 SEZZLE ODR GKNOP1 888-540-1867 MN $66.19 03/03 03/02 0000 MOBILE CASH ADVANCE $50.00 03/04 03/03 7201 SEZZLE ODR B9EG P3 888-540-1867 MN $7.89 03/04 03/03 9852 SEZZLE ODR FK8G P3 888-540-1867 MN $8.32 03/04 03/03 4498 SEZZLE ODR 030G P2 888-540-1867 MN $9.57 03/04 03/03 1077 SEZZLE ODR 1FAG P2 888-540-1867 MN $37.17 03/04 03/03 9644 SEZZLE ODR GKNO P2 888-540-1867 MN $66.19 03/05 03/04 2571 SEZZLE ODR IUSG P2 HTTPSSEZZLE.C MN $9.72 03/05 03/04 6249 SEZZLE ODR FCSO P3 HTTPSSEZZLE.C MN $8.58 03/05 03/04 3623 APPLE.COM/BILL 866-712-7753 CA $9.99 03/05 03/04 1019 SEZZLE ORDER P1 888-540-1867 MN $2.95 03/05 03/04 9035 SEZZLE ODR 7C2G P3 888-540-1867 MN $90.98 03/05 03/04 2142 SEZZLE ODR 9K1G P3 888-540-1867 MN $32.92 03/05 03/04 3570 SEZZLE ODR OOGG P2 888-540-1867 MN $12.91 03/05 03/04 3222 SEZZLE ODR UV30 P3 888-540-1867 MN $35.00 03/05 03/04 5781 SEZZLE ORDER P1 888-540-1867 MN $12.91 03/05 03/04 7653 SEZZLE ORDER P1 888-540-1867 MN $9.72 03/08 03/06 7717 SEZZLE ORDER P1 888-540-1867 MN $53.03 03/08 03/06 8478 SEZZLE ORDER P1 888-540-1867 MN $30.89 03/08 03/06 2611 SEZZLE ORDER P1 888-540-1867 MN $1.67 03/08 03/05 7664 SEZZLE ODR K91G P3 888-540-1867 MN $1.71 03/08 03/05 0528 SEZZLE ODR M75G P2 888-540-1867 MN $2.95 03/08 03/05 5274 SEZZLE ODR M75G P3 888-540-1867 MN $2.95 TOTAL THIS PERIOD $3,674.48 Fees Post Trans Date Date Ref # Transaction Description Amount 02/19 02/19 INTERNET CASH ADV FEE $10.00 02/23 02/23 INTERNET CASH ADV FEE $10.00 03/03 03/02 INTERNET CASH ADV FEE $10.00 TOTAL FEES THIS PERIOD $30.00 Interest Charged Post Date Transaction Description Amount 03/15 INTEREST CHARGE ON CASH ADVANCES $2.75 TOTAL INTEREST THIS PERIOD $2.75 Continued on Next Page (Sbank. cash-+ March 2021 Statement 02/12/2021 - 03/15/2021 Page 6 of 6 ASHLEY M TAYLOR Cardmember Service (' 1-800-285-8585 21 Total Fees Charged in 2021 $60.00 Total Interest Charged in 2021 $14.64 Your Annual Percentage Rate (APR) is the annual interest rate on your account. **APR for current and future transactions. Balance Annual Expires Balance Subjectto Interest Percentage with Balance Type By Type Interest Rate Variable Charge Rate Statement BALANCE TRANSFER $0.00 $0.00 YES $0.00 23.99% PURCHASES. $2,319.72 $0.00 YES $0.00 23.99% ADVANCES. $182.75 $130.97 YES $2.75 23.99% tact Us ¢ Phone ? Questions b= Mail payment coupon with a check Online Voice: 1-800-285-8585 Cardmember Service U.S. Bank usbank.com TDD: 1-888-352-6455 P.O. Box 6352 P.O. Box 790408 Fax: 1-866-568-7729 Fargo, ND 58125-6352 St Louis, MO 63179-0408 End of Statement ASHLEY M TAYLOR Rewards Center upgrades are currently in progress. As a result, this statement will only reflect cash rewards earned this billing cycle. Your available cash balance and activity are available in the Rewards Center or by phone. Sign in to usbank.com to access the Rewards Center or call 888.229.8864. EXHIBIT 3 (Sbank. cash-+ October 2021 Statement Page 1 of 3 Open Date: 09/15/2021 Closing Date: 10/14/2021 Account: J 6948 U.S. Bank Cash+ Visa Signature® Card Cardmember Service ¢ 1-800-285-8585 ASHLEY M TAYLOR BNK 10 US2 8 New Balance $3, 120.2 1 Activity Summary Minimum Payment D: Previous Balance + $3,059.89 Payment Due Date (10/2021 Payments $0.00 Other Credits $0.00 Late Payment Warning: ff Purchases $0.00 minimum payment by the date listed above, you may have Balance Transfers $0.00 to pay up to a $40.00 Late Fee. Advances $0.00 Other Debits $0.00 Minimum Payment Warning: If you make only the minimum Fees Charged $0.00 payment each period, you will pay more in interest and it will + take you longerto pay off your balance. For example: Interest Charged $60.32 Ifyou make no You will pay off And you will New Balance $3,120.21 additional charges the balance shown end up paying Past Due