Preview
Filed
: t Superior Court of Caltfornia,
Sacramento
O2Z/01f2024
Christopher D. Mandarich SB 220693 thomash
Hag Sertattieyat SB 320973 By ssi“ wd, Deputy
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Martin Weingarten SB 201906
MANDARICH LAW GROUP, LLP 4CV602055
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P.O. Box 109032 Chicago, IL 60610
Phone: 877.285.4918
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Facsimile: 818.888.1260
Mandarich Law Group, LLP California Debt Collector License Number 10795-99.
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Attorneys for Plaintiff: LVNV Funding LLC
SUPERIOR COURT OF THE STATE OF CALIFORNIA
IN AND FOR THE COUNTY OF SACRAMENTO - LIMITED
LVNV Funding LLC, Case No.
Plaintiff,
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COMPLAINT FOR:
vs. FILE BY FAX
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1. ACCOUNT STATED
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Jesus Rodriguez, an individual; 2. OPEN BOOK ACCOUNT
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and DOES 1 through 10 inclusive.
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meee DEMAND: $2,048.35
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Plaintiff alleges:
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FACTS COMMON TO ALL CAUSES OF ACTION
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1.Plaintiff is and at all times herein mentioned, LVNV Funding LLC, and successor in
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interest to original creditor, U.S. Bank, N.A..
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2.Plaintiff is a debt buyer, and is the sole owner of the debt at issue. Plaintiff's California
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Debt Collector License Number 10888-04.
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3.The charge-off creditor at the time of charge-off is U.S. Bank, N.A., 60 Livingstone Ave
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EP-MN-WS3D St. Paul, MN 55107, and the account number associated with this debt is
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XXXXKXKXKXKXX1356.
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4.The subject credit account has been purchased by the following entities after charge-off:!
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Resurgent Acquisitions LLC P.O. Box 10466 Greenville, SC 29603. The subject credit account
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was transferred by Resurgent Acquisitions LLC to Plaintiff LVNV Funding LLC, who maintains
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an address at C/O Resurgent Capital Services LP 55 Beattie Place, Suite 110, Greenville SC 29601,
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5.Plaintiff is informed and believes that Defendant are individuals who currently reside
COMPLAINT-1 of 5
within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper
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Court for trial of this action.
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6.The name and last known address of the debtor as they appeared in the charge-off
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creditor’s records prior to the sale of the debt is Jesus Rodriguez, 5434 MONA WAY
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SACRAMENTO, CA 95841.
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7.Plaintiff is unaware of the true names or capacities, whether individual, corporate,
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associate or otherwise of the Defendant sued herein as DOES 1 through 10 inclusive, and therefore,
sued the Defendant by such fictitious names. Plaintiff will amend this Complaint to show their true
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names and capacities once ascertained.
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8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is,
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the agent, servant and employee, employer of each of the other Defendant, and also acted in the
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capacity of and as agent of the other Defendant. Plaintiff also believes that the individual
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Defendant, and each of them, are jointly and severally liable that the actions described herein
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were taken as actions for the benefit of the Defendant's separate and/or community property.
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9.Plaintiff believes that, for value received, Defendant and each of them, executed and
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delivered a credit card application to the original creditor, U.S. Bank, N.A. or made such
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application over the telephone or Internet. Pursuant to the aforementioned application, U.S. Bank,
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N.A. provided Defendant with a credit account, and granted use privileges on the same, account
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number XXXXXXXXXXXX1356 (hereinafter “Account”).
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10.Prior to the commencement of this action, the Account was assigned for value to the
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Plaintiff and Plaintiff is its current holder.
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11.Defendant agreed to repay U.S. Bank, N.A. and any successors in interest, for any
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charges on the Account including, but not limited to, charges for purchase of goods and service
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and/or cash advances and balance.
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12.Defendant used the Account to make purchases and/or to take cash advances and/or to
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make balance transfers. Each time the Defendant used the Account to purchase goods and services
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COMPLAINT-2 of 5
and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to
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repay U.S. Bank, N.A. and its successors in interest for the amount of the purchase and/or cash
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advances and/or balance transfers.
13.Monthly statements were sent to Defendant which itemized all payments made and
charges due on the Account.
14.The date of last payment on the subject account was on October 31, 2023.
15.Within the last four years, the Defendant failed to make payments as agreed on the
Account. Defendant has failed, refused and neglected to pay amounts due on the Account.
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16.The debt balance at charge-off was $2,086.07, and upon information and belief there is
$0.00 in post charge off fees and $0.00 in post charge off interest.
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17.Subsequent to charge-off, and after applying any and all applicable payments and
credits, the Defendant owes Plaintiff $2,048.35.
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18.Although demand has been made upon said Defendant to pay said amount, no part has
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been paid, and it is now due and owing.
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19.Upon information and belief, U.S. Bank, N.A. and successors in interest including
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Plaintiff have duly performed all promises, conditions and agreements herein.
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20.Plaintiff has complied with California Civil Code Section 1788.52.
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21.Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy
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of Billing Statement provided to the Defendant while the account was active, demonstrating that
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the debt was incurred by the Defendant.
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22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy
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of the Final Billing Statement and/or Transaction History.
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23.Upon opening the Account with U.S. Bank, N.A., the Defendant(s) agree to reimburse
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U.S. Bank, N.A., and hence Plaintiff as successor in interest for the costs related to the collection
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of amounts owing on the Account. Plaintiff has been required to retain Mandarich Law Group,
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COMPLAINT-3 of 5
LLP to pursue collection of the amount due hereunder.
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FIRST CAUSE OF ACTION
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(Account Stated)
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24.Plaintiff refers to and incorporates paragraphs 1 through 23.
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25.Within the past 4 years, an account was stated in writing in which it was agreed ia
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Defendant were indebted in the amount previously referenced herein. Although demand has been}
made upon Defendant, said amount of $2,048.35 has not been paid, and it is now due, owing and
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unpaid from Defendant to Plaintiff, as successor in interest.
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SECOND CAUSE OF ACTION
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(Open Book Account)
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26.Plaintiff refers to and incorporates paragraphs 1 through 25.
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27.Within the past 4 years, Defendant and each of them became indebted in the amount of
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the previously mentioned herein for a balance due on a book account for goods sold and delivered
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and/or services rendered by U.S. Bank, N.A.. Although demand has been made upon Defendant,
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said amount of $2,048.35 has not been paid, and it is now due, owing and unpaid including
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attorney’s fees from Defendant to Plaintiff as successor in interest.
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COMPLAINT-4 of 5
WHEREFORE, Plaintiff prays for judgment against the Defendant as follows:
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1. For the damages and money in the sum of $2,048.35,
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2. For reasonable attorneys fees pursuant to statute;
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3. For costs of suit incurred; and
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4. For such other and further relief as the Court deems just and proper.
5. Plaintiff remits all damages in excess of the jurisdictional amount of this Court.
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Dated: 01/14/2024 By: MANDARICH LAW GROUP, LLP
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[X] Martin Weingarten, Esq.
Attorneys for Plaintiff
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COMPLAINT-S of 5
EXHIBIT A
Sbank.
November 2020 Statement Page 1 of 3
Open Date: 10/14/2020 Closing Date: 11/12/2020 Account: iE 1356
a U.S. Bank Platinum Visa® Card Cardmember Service ¢ 1-800-285-8585
JESUS A RODRIGUEZ BNK 25 US2
- - renee Activity Summary
Previous Balance + $1,759.35
Payments - $110.00cR
Other Credits $0.00
Purchases $0.00
Balance Transfers $0.00
| |Advances $0.00
eo ere J |Other Debits $0.00
Minimum Payment Warning: Even if you make no more Fees Charged $0.00
charges using this card and make only the minimum payment | Interest Charged + $32.75
each month, we estimate you will never pay off the balance ~
shown on this statement because your payment will be less Pe oe aoe
than the interest charged each month. 2 ue i
if sis : Minimum Payment Due $17.00
you make more than the minimum payment each period, you oo
will pay less in interest and pay off your balance sooner. For |CreditLine $1,500.00
example, if you instead paid $65.10 per month, you would pay | Available Credit None
off the balance shown on this statement in around 3 years. Days in Billing Period 30
If you would like information about credit counseling services,
call 866-951-1391.
Payment Mail payment coupon __ Payonline at Pay by phone Pay at your local
Options: cd with a check > _usbank.com 1-800-285-8585 / \ _ 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.
Account Number a 1356
Payment Due Date 12/07/2020
24-Hour Cardmember Service: 1-800-285-8585 New Balance $1,682.10
Minimum Payment Due $17.00
¢ . to pay by phone
. to change your address
Amount Enclosed Gas
000012814 01 SP 000638631627221 E
U.S. Bank
JESUS A RODRIGUEZ P.O. Box 790408
SACRAMENTO | CA 95841-2814 St. Louis, MO 63179-0408
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: \f you think there is an error on your bill, describe what you believe is wrong and why you believe it is 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 delinquent on that amount.
» The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine
that we made a mistake, you will not have to pay the amount in question or any interest or 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 amount due 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 account do 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 58125-6335
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 subject to 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 number of 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 Transfer to 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 your Account. Any billed but
unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the 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 subject to 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 Intemet or phone or previously established automatic payment
transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. siege de will be charged and
agree to pay any collection fees required in connection with such a transaction. The 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 any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be
processed within 5 banking days of receipt and credited to your Account on 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 credit to 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 day of receipt. There is no prepayment penalty if you pay your balance at any time prior to 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.
tSbank.
November 2020 Statement 10/14/2020 - 11/12/2020 Page 2 of 3
Hl JESUS A RODRIGUEZ Cardmember Service ( 1-800-285-8585
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 Pa ue Date shown on your monthly Account statement. In order to
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 post to the Account as Advances or Balance Transfers
except as provided in any Offer Materials. Those transactions are subject to 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 108
St Louis, MO 63166-0108
Your account has been closed to further use of credit. If you still have cards in your possession, please cut
them in half and return them to us.
Payments and Other Credits
Post Trans
Date Date Ref# Transaction Description Amount
1106 1106 T PAYMENT THANK YOU $110.00cR
TOTAL THIS PERIOD $110.00cr
Interest Charged
Post
Date Transaction Description Amount
11/12 INTEREST CHARGE ON PURCHASES $32.75
TOTAL INTEREST THIS PERIOD $32.75
____2020Totals Year-to-Date
Total Fees Charged in 2020 $69.00
Total Interest Charged in 2020 $337.32
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
** APR for current and future transactions.
Balance Annual Expires
Balance Subject to Interest Percentage with
Balance Type By Type interest Rate Variable Charge Rate Statement
PURCHASES $0.00 $0.00 YES $0.00 18.99%
**BALANCE TRANSFER $0.00 $0.00 YES $0.00 22.99%
**PURCHASES $1,682.10 $1,733.68 YES $32.75 22.99%
**ADVANCES $0.00 $0.00 YES $0.00 23.99%
Continued on Next Page
Sbank.
November 2020 Statement 10/14/2020 - 11/12/2020 Page 3 of 3
JESUS A RODRIGUEZ Cardmember Service ( 1-800-285-8585
End of Statement
EXHIBIT B
tSbank.
June 2021 Statement Page 1 of 2
Open Date: 05/12/2021 Closing Date: 06/09/2021 Account: i 1356
U.S. Bank Platinum Visa® Card Cardmember Service ( 1-800-285-8585
JESUS A RODRIGUEZ BNK 25 US2 8 z
New Balanc Activity Summary
Previous Balance + $2,048.65
Payments $0.00
Other Credits $0.00
Purchases $0.00
Balance Transfers $0.00
Advances $0.00
Minimum Payment Warning: If you make only the minimum poe Chaos oon
payment each period, you will pay more in interest and it will interest Ch ‘ $37. 42
take you longer to pay off your balance. For example: meres arged soemremerinaleasnercioccansman
If you make no You will pay off And you will New Balance = $2,086.07
additional charges | the balance shown | _ end up paying Past Due $625.00
using this card and | on this statement an estimated Minimum Payment Due $703.00
ee you in about... total of... Credit Line $1,500.00
Available Credit None
Only
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the mini
$2.60602 Days in Billing Period
.
29
If you would like information about credit counseling services,
call 866-951-1391.
Payment 75771 Mall payment coupon Pay online at Pay by phone Pay at your local
Options: with a check usbank.com ( 1-800-285-8585 ? \ U.S. Bank branch
Make a payment online OR Please print out and send this portion of statement with payment to the address listed
(tSbank.
Account Number 1356
Payment Due Date 7/07/2021
24-Hour Cardmember Service: 1-800-285-8585 New Balance $2,086.07
Minimum Payment Due $703.00
¢ . to pay by phone
. to change your address
Amount Enclosed Giese
000016112 01 SP 000638843929155 E
U.S. Bank
JESUS A RODRIGUEZ
5434 MONA WAY P.O. Box 790408
SACRAMENTO CA 95841-2814 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 it is 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 delinquent on that amount.
> The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine
that we made a mistake, you will not have to pay the amount in question or any interest or 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 amount due 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 account do 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 58125-6335
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 subject to 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 number of 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 Transfer to 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 your Account. Any billed but
unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the 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 subject to 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 Intemet or phone or previously established automatic payment
transaction. We may, at our option, choose to accept a payment drawn ona foreign financial institution. However, will be charged and
agree to pay any collection fees required in connection with such a transaction. The date you mail a payment isd it 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 any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be
processed within 5 banking days of receipt and credited to your Account on 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 credit to your Account, additional INTEREST CHARGES, fees, and
possible suspension of your Account. Intemet 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 day of receipt. There is no prepayment penalty if you pay your balance at any time prior to 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.
June 2021 Statement 05/12/2021 - 06/09/2021 Page 2 of 2
JESUS A RODRIGUEZ Cardmember Service ( 1-800-285-8585
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 Pa ue Date shown on your monthly Account statement. In order to
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 post to the Account as Advances or Balance Transfers
except as provided in any Offer Materials. Those transactions are subject to 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 108
St Louis, MO 63166-0108
Your account is seriously past due. We have very attractive settlement and reduced interest/payment
programs. We urge you to call us at 1-877-838-4346.
Interest Charged
Post
Date Transaction Description Amount
06/09 INTEREST CHARGE ON PURCHASES $37.42
TOTAL INTEREST THIS PERIOD $37.42
2021 Totals Year-to-Date
Total Fees Charged in 2021 $160.00
Total Interest Charged in 2021 $214.31
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
** APR for current and future transactions.
Balance Annual Expires
Balance Subject to Interest Percentage with
Balance Type By Type Interest Rate Variable Charge Rate Statement
PURCHASES $0.00 $0.00 YES $0.00 18.99%
**BALANCE TRANSFER $0.00 $0.00 YES $0.00 22.99%
“PURCHASES $2,086.07 $2,048.65 YES $37.42 22.99%
“*ADVANCES $0.00 $0.00 YES $0.00 23.99%
End of Statement
Preview
Filed : t Superior Court of Caltfornia, Sacramento O2Z/01f2024 Christopher D. Mandarich SB 220693 thomash Hag Sertattieyat SB 320973 By ssi“ wd, Deputy NY 3 Martin Weingarten SB 201906 MANDARICH LAW GROUP, LLP 4CV602055 Onn WY P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Ff Facsimile: 818.888.1260 Mandarich Law Group, LLP California Debt Collector License Number 10795-99. nA Attorneys for Plaintiff: LVNV Funding LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SACRAMENTO - LIMITED LVNV Funding LLC, Case No. Plaintiff, oo COMPLAINT FOR: vs. FILE BY FAX CO 1. ACCOUNT STATED PSFlU El Jesus Rodriguez, an individual; 2. OPEN BOOK ACCOUNT | and DOES 1 through 10 inclusive. NY meee DEMAND: $2,048.35 OU WO PSF F&F KF Plaintiff alleges: Wn KF FACTS COMMON TO ALL CAUSES OF ACTION KH KF 1.Plaintiff is and at all times herein mentioned, LVNV Funding LLC, and successor in KF WAN interest to original creditor, U.S. Bank, N.A.. KF 2.Plaintiff is a debt buyer, and is the sole owner of the debt at issue. Plaintiff's California OO KF Debt Collector License Number 10888-04. OD NO 3.The charge-off creditor at the time of charge-off is U.S. Bank, N.A., 60 Livingstone Ave KFK& NV EP-MN-WS3D St. Paul, MN 55107, and the account number associated with this debt is NY NN XXXXKXKXKXKXX1356. WwW NY 4.The subject credit account has been purchased by the following entities after charge-off:! fF NY Resurgent Acquisitions LLC P.O. Box 10466 Greenville, SC 29603. The subject credit account NYO nun was transferred by Resurgent Acquisitions LLC to Plaintiff LVNV Funding LLC, who maintains NY an address at C/O Resurgent Capital Services LP 55 Beattie Place, Suite 110, Greenville SC 29601, NYO ont NO 5.Plaintiff is informed and believes that Defendant are individuals who currently reside COMPLAINT-1 of 5 within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper NY Court for trial of this action. WO 6.The name and last known address of the debtor as they appeared in the charge-off FP creditor’s records prior to the sale of the debt is Jesus Rodriguez, 5434 MONA WAY Wn SACRAMENTO, CA 95841. Dn 7.Plaintiff is unaware of the true names or capacities, whether individual, corporate, Onn associate or otherwise of the Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. Plaintiff will amend this Complaint to show their true oo names and capacities once ascertained. CO 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, Oh S| KS the agent, servant and employee, employer of each of the other Defendant, and also acted in the OO S| NY capacity of and as agent of the other Defendant. Plaintiff also believes that the individual WY OO SF Defendant, and each of them, are jointly and severally liable that the actions described herein FP SF were taken as actions for the benefit of the Defendant's separate and/or community property. KF 9.Plaintiff believes that, for value received, Defendant and each of them, executed and Hn KF delivered a credit card application to the original creditor, U.S. Bank, N.A. or made such N KF application over the telephone or Internet. Pursuant to the aforementioned application, U.S. Bank, OHA KF N.A. provided Defendant with a credit account, and granted use privileges on the same, account F- number XXXXXXXXXXXX1356 (hereinafter “Account”). TO NO 10.Prior to the commencement of this action, the Account was assigned for value to the KFK§ YN Plaintiff and Plaintiff is its current holder. Ne NY 11.Defendant agreed to repay U.S. Bank, N.A. and any successors in interest, for any Ww NY charges on the Account including, but not limited to, charges for purchase of goods and service FF NY and/or cash advances and balance. nN NY 12.Defendant used the Account to make purchases and/or to take cash advances and/or to Nn NY make balance transfers. Each time the Defendant used the Account to purchase goods and services NYO aon No COMPLAINT-2 of 5 and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to — mannfFan NO repay U.S. Bank, N.A. and its successors in interest for the amount of the purchase and/or cash WO advances and/or balance transfers. 13.Monthly statements were sent to Defendant which itemized all payments made and charges due on the Account. 14.The date of last payment on the subject account was on October 31, 2023. 15.Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due on the Account. 0 16.The debt balance at charge-off was $2,086.07, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. CO Oh S| KK 17.Subsequent to charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $2,048.35. NY OF WO 18.Although demand has been made upon said Defendant to pay said amount, no part has PF fF been paid, and it is now due and owing. KF 19.Upon information and belief, U.S. Bank, N.A. and successors in interest including KF Dn Plaintiff have duly performed all promises, conditions and agreements herein. FF 20.Plaintiff has complied with California Civil Code Section 1788.52. FF WBN 21.Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy KF CO of Billing Statement provided to the Defendant while the account was active, demonstrating that KF FO the debt was incurred by the Defendant. HN S&F 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy HN of the Final Billing Statement and/or Transaction History. ND HN WO 23.Upon opening the Account with U.S. Bank, N.A., the Defendant(s) agree to reimburse ND fF U.S. Bank, N.A., and hence Plaintiff as successor in interest for the costs related to the collection YN NYO of amounts owing on the Account. Plaintiff has been required to retain Mandarich Law Group, un Dn NYO NO aman NO COMPLAINT-3 of 5 LLP to pursue collection of the amount due hereunder. — NY FIRST CAUSE OF ACTION W FF (Account Stated) On 24.Plaintiff refers to and incorporates paragraphs 1 through 23. Dn 25.Within the past 4 years, an account was stated in writing in which it was agreed ia On Defendant were indebted in the amount previously referenced herein. Although demand has been} made upon Defendant, said amount of $2,048.35 has not been paid, and it is now due, owing and oo unpaid from Defendant to Plaintiff, as successor in interest. CO OO Sl | SECOND CAUSE OF ACTION NY OU PSF (Open Book Account) W OF FP 26.Plaintiff refers to and incorporates paragraphs 1 through 25. KF 27.Within the past 4 years, Defendant and each of them became indebted in the amount of KF HA the previously mentioned herein for a balance due on a book account for goods sold and delivered KF DHBAN KF and/or services rendered by U.S. Bank, N.A.. Although demand has been made upon Defendant, KF said amount of $2,048.35 has not been paid, and it is now due, owing and unpaid including OO KF attorney’s fees from Defendant to Plaintiff as successor in interest. OD HN KF& HN NY NO Wo NO fF YN NY nun NO NYO oan wo COMPLAINT-4 of 5 WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: NY WO 1. For the damages and money in the sum of $2,048.35, - 2. For reasonable attorneys fees pursuant to statute; nun 3. For costs of suit incurred; and oan 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount of this Court. oO CO Dated: 01/14/2024 By: MANDARICH LAW GROUP, LLP ES | OU S| NY WO S| FP SKF [X] Martin Weingarten, Esq. Attorneys for Plaintiff KF HDA FF DANI KF KF OO KF CO HN K&B NO NY NO WO NO fF YN NO nun NYO NO on NO COMPLAINT-S of 5 EXHIBIT A Sbank. November 2020 Statement Page 1 of 3 Open Date: 10/14/2020 Closing Date: 11/12/2020 Account: iE 1356 a U.S. Bank Platinum Visa® Card Cardmember Service ¢ 1-800-285-8585 JESUS A RODRIGUEZ BNK 25 US2 - - renee Activity Summary Previous Balance + $1,759.35 Payments - $110.00cR Other Credits $0.00 Purchases $0.00 Balance Transfers $0.00 | |Advances $0.00 eo ere J |Other Debits $0.00 Minimum Payment Warning: Even if you make no more Fees Charged $0.00 charges using this card and make only the minimum payment | Interest Charged + $32.75 each month, we estimate you will never pay off the balance ~ shown on this statement because your payment will be less Pe oe aoe than the interest charged each month. 2 ue i if sis : Minimum Payment Due $17.00 you make more than the minimum payment each period, you oo will pay less in interest and pay off your balance sooner. For |CreditLine $1,500.00 example, if you instead paid $65.10 per month, you would pay | Available Credit None off the balance shown on this statement in around 3 years. Days in Billing Period 30 If you would like information about credit counseling services, call 866-951-1391. Payment Mail payment coupon __ Payonline at Pay by phone Pay at your local Options: cd with a check > _usbank.com 1-800-285-8585 / \ _ 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. Account Number a 1356 Payment Due Date 12/07/2020 24-Hour Cardmember Service: 1-800-285-8585 New Balance $1,682.10 Minimum Payment Due $17.00 ¢ . to pay by phone . to change your address Amount Enclosed Gas 000012814 01 SP 000638631627221 E U.S. Bank JESUS A RODRIGUEZ P.O. Box 790408 SACRAMENTO | CA 95841-2814 St. Louis, MO 63179-0408 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: \f you think there is an error on your bill, describe what you believe is wrong and why you believe it is 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 delinquent on that amount. » The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or 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 amount due 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 account do 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 58125-6335 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 subject to 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 number of 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 Transfer to 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 your Account. Any billed but unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the 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 subject to 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 Intemet or phone or previously established automatic payment transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. siege de will be charged and agree to pay any collection fees required in connection with such a transaction. The 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 any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within 5 banking days of receipt and credited to your Account on 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 credit to 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 day of receipt. There is no prepayment penalty if you pay your balance at any time prior to 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. tSbank. November 2020 Statement 10/14/2020 - 11/12/2020 Page 2 of 3 Hl JESUS A RODRIGUEZ Cardmember Service ( 1-800-285-8585 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 Pa ue Date shown on your monthly Account statement. In order to 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 post to the Account as Advances or Balance Transfers except as provided in any Offer Materials. Those transactions are subject to 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 108 St Louis, MO 63166-0108 Your account has been closed to further use of credit. If you still have cards in your possession, please cut them in half and return them to us. Payments and Other Credits Post Trans Date Date Ref# Transaction Description Amount 1106 1106 T PAYMENT THANK YOU $110.00cR TOTAL THIS PERIOD $110.00cr Interest Charged Post Date Transaction Description Amount 11/12 INTEREST CHARGE ON PURCHASES $32.75 TOTAL INTEREST THIS PERIOD $32.75 ____2020Totals Year-to-Date Total Fees Charged in 2020 $69.00 Total Interest Charged in 2020 $337.32 Your Annual Percentage Rate (APR) is the annual interest rate on your account. ** APR for current and future transactions. Balance Annual Expires Balance Subject to Interest Percentage with Balance Type By Type interest Rate Variable Charge Rate Statement PURCHASES $0.00 $0.00 YES $0.00 18.99% **BALANCE TRANSFER $0.00 $0.00 YES $0.00 22.99% **PURCHASES $1,682.10 $1,733.68 YES $32.75 22.99% **ADVANCES $0.00 $0.00 YES $0.00 23.99% Continued on Next Page Sbank. November 2020 Statement 10/14/2020 - 11/12/2020 Page 3 of 3 JESUS A RODRIGUEZ Cardmember Service ( 1-800-285-8585 End of Statement EXHIBIT B tSbank. June 2021 Statement Page 1 of 2 Open Date: 05/12/2021 Closing Date: 06/09/2021 Account: i 1356 U.S. Bank Platinum Visa® Card Cardmember Service ( 1-800-285-8585 JESUS A RODRIGUEZ BNK 25 US2 8 z New Balanc Activity Summary Previous Balance + $2,048.65 Payments $0.00 Other Credits $0.00 Purchases $0.00 Balance Transfers $0.00 Advances $0.00 Minimum Payment Warning: If you make only the minimum poe Chaos oon payment each period, you will pay more in interest and it will interest Ch ‘ $37. 42 take you longer to pay off your balance. For example: meres arged soemremerinaleasnercioccansman If you make no You will pay off And you will New Balance = $2,086.07 additional charges | the balance shown | _ end up paying Past Due $625.00 using this card and | on this statement an estimated Minimum Payment Due $703.00 ee you in about... total of... Credit Line $1,500.00 Available Credit None Only oa the mini $2.60602 Days in Billing Period . 29 If you would like information about credit counseling services, call 866-951-1391. Payment 75771 Mall payment coupon Pay online at Pay by phone Pay at your local Options: with a check usbank.com ( 1-800-285-8585 ? \ U.S. Bank branch Make a payment online OR Please print out and send this portion of statement with payment to the address listed (tSbank. Account Number 1356 Payment Due Date 7/07/2021 24-Hour Cardmember Service: 1-800-285-8585 New Balance $2,086.07 Minimum Payment Due $703.00 ¢ . to pay by phone . to change your address Amount Enclosed Giese 000016112 01 SP 000638843929155 E U.S. Bank JESUS A RODRIGUEZ 5434 MONA WAY P.O. Box 790408 SACRAMENTO CA 95841-2814 St. Louis, MO 63179-0408 age lagh yg dagaguenyenng Ufa gg |p benobad gy feQU foggy tffgeetelyy eee de Ma dat ene D De aL Le DATE ALTM LHe get pete ggg 3 + 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 it is 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 delinquent on that amount. > The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or 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 amount due 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 account do 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 58125-6335 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 subject to 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 number of 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 Transfer to 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 your Account. Any billed but unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the 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 subject to 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 Intemet or phone or previously established automatic payment transaction. We may, at our option, choose to accept a payment drawn ona foreign financial institution. However, will be charged and agree to pay any collection fees required in connection with such a transaction. The date you mail a payment isd it 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 any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within 5 banking days of receipt and credited to your Account on 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 credit to your Account, additional INTEREST CHARGES, fees, and possible suspension of your Account. Intemet 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 day of receipt. There is no prepayment penalty if you pay your balance at any time prior to 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. June 2021 Statement 05/12/2021 - 06/09/2021 Page 2 of 2 JESUS A RODRIGUEZ Cardmember Service ( 1-800-285-8585 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 Pa ue Date shown on your monthly Account statement. In order to 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 post to the Account as Advances or Balance Transfers except as provided in any Offer Materials. Those transactions are subject to 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 108 St Louis, MO 63166-0108 Your account is seriously past due. We have very attractive settlement and reduced interest/payment programs. We urge you to call us at 1-877-838-4346. Interest Charged Post Date Transaction Description Amount 06/09 INTEREST CHARGE ON PURCHASES $37.42 TOTAL INTEREST THIS PERIOD $37.42 2021 Totals Year-to-Date Total Fees Charged in 2021 $160.00 Total Interest Charged in 2021 $214.31 Your Annual Percentage Rate (APR) is the annual interest rate on your account. ** APR for current and future transactions. Balance Annual Expires Balance Subject to Interest Percentage with Balance Type By Type Interest Rate Variable Charge Rate Statement PURCHASES $0.00 $0.00 YES $0.00 18.99% **BALANCE TRANSFER $0.00 $0.00 YES $0.00 22.99% “PURCHASES $2,086.07 $2,048.65 YES $37.42 22.99% “*ADVANCES $0.00 $0.00 YES $0.00 23.99% End of Statement