Preview
FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024
. .............___.--..---- -- -------.
----..-----------------
------..--....------...
.-- .-------------
-- ....... ----.. ..-....... .... ..................__..
PAGE 1OF4
Summa of account activity Pa ment information
Accountno. **'-"9-439 Newbalance $2,491.40
Minimumpaymentdue $736.00
Previousbalance $2,397.50 Paymentduedate 12/01/2021
Payments 0.00
Othercredits 0.00 Late Paymentwarning:
0.00 Ifwedonot receiveyourminimumpaymentby 12/01/2021 youmay
Purchases
Otherdebits 0.00 ..haveto payup to a $4000latefee
Feescharged 40.00 Minimumpaymentwarning:Ifyoumakeonlytheminimum
Interestcharged 53.90 paymentforeachperiod,youwill pay morein interestandit willtake
Newbalance $2,491.40 youlongerto payoffyourbalances.Forexample:
Pastdueamount 621.00 If you makeno additional Youwill payoff Andyouwilt
Creditlimit $2,130.00 chargesusingthis card thebalanceshown end up payingan
Availablecredit $0.00 andeachmonthyou pay: on thestatement estimatedtotal
Statementclosingdate 11/05/2021 in about: of:
Daysin billingcycle 30 | Onlytheminimum payment | 7 years | S4516
Forinformationregardingcreditcounselingservices,
call 1-800-284-1706.
Skipsigningin to payanduseComenity'sEasyPay. cameraor code
It's safeandconvenient.Useyoursmartphone
readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted.
Details of your transactions
..TRANSA E RANSACTION ESCRI10KOCAION A OUN
Fees
11/01/2021 LATEFEE 40.00
Totalfeeschargedfor this period $40.00
--.--.--....-.........................-....-....-..............-..................---.....---.--..----....................................................................
Interest Charged
Interestchargeon purchases $53.90
Total interestfor this period $53.90
2021totals yearto date
Totalfeeschargedin2021 $189.00
Totalinterestchargedin2021 $385.65
fnterest charge calculation
YourAnnualPercentage Rate(APR)is theannualinterestrateonyouraccount.SeeBALANCECOMPUTATION METHOD
onpage2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement.
TYPE OF BALANCESuBJECT INTEREST
BALANCE APR To INTEREST
RATE CHARGE
Purchasespriorto 03/31/2021 26.9900%(v) 2,267.23(DA) 50.29
Purchases 26.9900%(v) 162,82(DA) 3.61
Additional important messa"es
IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a
bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this
statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will
still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089
(TDD/TTY 1-800-695-1788) and we will find a suitable payment before the end of this month. If written off,
(CONTINUED)
- - - -- - - -- - - -- --------- ---- --- - ---NOT
CEjSo rowseside n a nbanatn.
Please above
gearatperforation
Account
g, number ***-**9-439
Newbalance Minimumpayment
aFULLBEAUTYbrand
994
Mailedpayments
mustreachus by SpmET
Yes,I havemovedorupdatedmy Amount on12/D1/2021.
I e-mailaddress- seereverse. enclosed:
$ Pleasemakecheckpayableto:
Pleaseretumthisportionalongwithyourpaymentto:
MARYJANCEK
159S ERIEST PO BOX 650972
MAYVILLENY14757-1218 DALLAS TX 75265-0972
"' I IrriellulibilHIIII"Hen"rIIH HIllll@III"
FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024
________________..____._....................................................___________..____
_____
Keep thisportion foryourrecords-
What ToDoWYouThinkYou FindAMistake OnYour Statement CREDIT REPORTING. Wemayreport information about youraccount to
li youthinkthereisancrroronyourstatement. writetousat:Comenity account credilbureaus. Latepayments, missed payments. orotherdefaults onyour
BankPOBox182782. 011432t8-2782. may b ereflected inyour creditreport.
Columbus,
Inyourletter, giveusIhefollowing .
informahon: NOTICE OFCREDIT REPORT DISPUTES
" Account Your
information: name andaccount number. IIyoubelieve theaccount information wereported toaconsumer reporting
" Dollar amount: Thedollaramount ofthesuspected crror. agency isinaccurate. youmaysubmit adirectdispute toComenity BankPO
" Description oflI>Mem:11youthinkthemisanerroronyourbill, Box182789, Columbus, OH43218-2789. Your written dispute must
describe whatyoubelieve iswrong andwhyyoubelieve it isamistake. [Novide SulliCien t inlOrmat ionto identify t heaccount and specify whythe
mformation isinaccurate
Youmustcontact uswithin60days alterthecrrorappeared onyour " Account Information: ourname ar«laccount numtwr
statement. " Contact Information: Your address andtelephone number
Youmustnotifyusofanypotential errors inwriting.Youmaycallus,bulit " Disputed Information: Identify the account information disputed and
youdoweareix>lrequired loinvestigate anypotential crmrs andyoumay explain whyyoubeheve it ismaccurate
havetopaytheamount inquestion. " Supporting Documentation: 11available, provide acopyofthesection ol
While .
weinvestigate whethei ornottherehasbeen anerror. thefollowing thecreditreport showing theaccount information youaredisputing
aretrue: Wewillinvestigate thedispuled information andreport theresults 10you
" Wecannot trytocollecttheamount inquestion, orreport youas within30days ofreceipt oftheinformation needed lorourinvestigation. If
delinquent onthatamount. wefindthattheaccount information wereported is inaccurate, wewill
" Thecharge inquestion may r emain onyour s tatement, and we may promptly provide the necessary correction toeach c onsumer reg×wling
continue tocharge youinterest onthatamount- But,if wedetermine agency towhichwereported theinformation.
thatwemade amistake. youwiltnothavelopaytheamount inquestion PAYMENTS MARKED PAIDINFULL". AIIwrillen communicalions regarding
oranyinterest orotherteesrelated tothalanmunt. dispuled amousrls thatinclude anycheck orotherpayment inslrument
" While youdonothave topaythearnount inquestion, youareresponsiblemarked with"payment infull"orsimilar language, mustbesentto:3000
forthetemainder ofyourbalance. Kellway Drive, Suile120Carrollion, TX75006.
" Wecanapply anyunpaid amount against yourcredillimit. IX)NOT USE THEENCLOSED REMIRANCE ENVELOPE.
- Wemayaccept payment senttoanyotheraddress withouI losingany01
Your Rights HYort AreDissatisfied IVithYour Credit Card Purchases ourrights.
Ifyouaredissatisfied withthegoods orservices thatyouhave purchased - No payment shall operate asanaccord and satisfaction without prior
withyourcreditcard,andyouhave triedingoodlaithtocorrect the PP
problem withthemerchang, youmayhave therightnot10paytheremainingCUSTOMER SERVICE. Visitcomenity.net/womanwithin orcall
amount dueonthepurchase- 1-866-776-9859 (TDD/TTY 1-800-695-1788).
Tousethisright,allofthelollowing mustbetrue: TELEPHONE MONITORING. Toprovide youwithhigh-quality service,
L Ihepurchase musthave heen made inyourhome slateorwithin100 phone communication withusismonitored and/or recorded.
milesofyourcurrent mailing address, andthepurchase pricemusthave
been morethan$50.(Note: Neither ofthese isnecessary ifyourpurchase ADDITIONAL INFORMATION. Thefollowing designations, when appearing
wasbased onanadvertisement wemailed toyou,orit weownthecompanyonthefrontofyourstatement, mean thetottowing: Vmeans variablerate
thatsoldyouthegoods orservices.) (thisratemayvary); WVINTPAY RQmeans WAIVE INTEREST, PAYMENT
2.Youmusthave used yourcreditcardforthepurchase. Purchases made REQUIRED: WVINTEQPYmeans WAlVE INTEREST. EQUAL PAYMENT; WV
withcashadvances fromanAIMorwithacheck thataccesses yourcredit INTLOW PMT means WAlVE INTEREST, LOW PAYMEN T:DFINTPYRQ
cardaccount donotqualify. means DEFER INTEREST, PAYMENT REQUIRED: DEFINTEQPYmeans
3.Youmustnotyethavefullypaidforthepurchase. DEFER INTEREST, EQUAL PAYMENT- DFINTLOW PMTmeans DEFER
INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APH. EQUAL
Itallofthecriteria above aremetamiyouarestilldissatisfied withthe PAYMENf . IIyouhave avariable rateaccount, yourperiodic ratesmay
purchase. contact usinwriting at: Cornenity Hank POMcm 182782- vary.YoumaypayallofyourAccount balance atanytimewithout penalty.
Columbus, OH43218-2782.
Send allinquiries to:CUSTOMER SERVICE, POBox182273, Columbus,
While weinvestigate. thesame rulesapplytothedisputed amount as OH43218-2273.
discussed almve. Afterwelinishourinvestigation, wewilltellyouour
decision. Atthatpoint,ifwethinkyouoweanamount andyoudonotpay Send allbankruptcy notices andrelated correspondence toComenity Bank,
wemayreport youasdelinquent. Bankruptcy Department, POBox182125, Columbus, OH43218-2125.
HOW TOAVOlD PAY1NG INTEREST. Your duedateisatleast25days after NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you providea
thecloseofeachbillingcycle.Wewillnotcharge youinterest onpurchasescheck aspayment. youauthorize useither touseinformation fromyour
if youpayyourentirebalance by thedue date each month. We willbegin t o check t omake aone-time electronic fund transfer from your a ccount
orto
charge interest onnewpurchases made urwier aLowAPR. Equal Payment process thepayment asacheck transaction. When weuseinformation from
orBudge t Payment Credit Planfromthedateofpurchase. yourcheck tomake anelectronic fundtransfer, fundsmaybewithdrawn
fromyouraccount assoon asthesame daywereceive yourpayment, and
BALANCE COMPUTATION METHOD. Wecalculate interestseparately for youwillnolreceive yourcheck backfromyourlinancial institution.
eachbalance using themethod(s) described below. lhetwoletters in
parentheses nexttotheBalance Subject toInterest Ratecolumn inthe
Interest Charge Calculation section onthis statement corresponds tothe
toHowing:
(DA) Wefiguretheinlerest
balance" charge onthistalance byapplying theperiodic
ratetothe "daily foreachdayinthebillingperiod. Togetthe
"dailybalance" wetakethebeginning halance eachday,addanynew
transactions andlecsandsubtract anypayments orcredits (treating anynel
cIcditbalance asazerobalance). Thisgives usthedailybalance.
(MC) Wefigure theinterest charge
balance" onthisbalance byapplying theperiodic
ratetothe"average daily lorthebillingperiod. Togelthe
"average dailybalance" wetakethebeginning balance eachday,addany
newtransactions andfeesandsubtract anypayments orcredits (treating
anynelcredilbalance asazerobalance). Ihisgivesusthedailybalance.
Then, weaddupallthedailybalances forthebillingperiod anddividethe
totalbbalance."
ythenumber ofdaysinthebillingperiod. Thisgives usthe"average
daily
PAYMENTS. PayyourAccount bythepayment duedatebythetimelistedbelow.Ifwedonotreceive yourpayment inacorrect
format (outlined it
below)
maynotbecredited toyourAccount foruptofivedays,ormayberejected. yourpayment
Also, mustreach usbythepayment cutofftimethatappliesto
thepayment method youselect.
Correct
Format. Correctformallorditlerent
paymeni methods include:
or0memight:
Mailing Send apersonal check,
money Iraveler's
order, checkorcashier's
checkpayable inU.S.dollars,
tothename andaddress shownon
thisStatementinthepayment yourbalance
stubareacontaining andminimum paymentamount.Hesuretoinclude yourpaymentstub,donotslaple or
clipyourpayment tothestub,include youraccoung
number onyourcheck. provided
usetheenvelope withyourSlatement,semionepaymeni wilhone
paymentslubanddonotsend anycorrespondencewithyourpayment.Youshouldovemightapayment to3000Kellway Suite120Carrollton,
Drive, TX
75006 andtheadditional lormatrequirements
arethesame asothermailedpayments thereisadispute,
unless inwhichcaseyoulollowthePayments
Marked'FaidinFull"section alxwe.Dormtsend cashorgillcertificates.
PayByPhone: Youcancallustollfreeat1-866-776-9859 (IDIVIIY
1-800-695-1788) tomake apayment whichmayinclude
bytelephone, Youcanmake
afee.Online: apayment onlineatcomenity.nellwomanwithin.
PaymentCutoff Times.Payment cutofftimes/deadlines
forustoreceivepaymentsarebytheduedateonthisStatement inthepayment stubareaatthe
tirnes:
following Mailing and0semight: By6:00pmEastern Time (ET);PayByPhone:By6:00pm(ET): online:By6:00pm(ET).
NewInformation
tle(optional) FirstName MI
LastName Soc.Sec.No.
StreetAddress . ......
Apt.No. RR_______ POBox
City______ State________. ZipCode Foreign
MapCode__
HomePhone WorkPhone
EmailAddress
FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024
.... . ...
. ........................_____.................................... .... .... ...............................................__............._______....................
PAGE 3 OF4
Additional important messages - continued
the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the
appropriate steps, as permitted and available under applicable law, to protect our interests.
Affected by COVID-19? Comenity Bank Offers Support
As the bank that manages your credit card, our hearts go out to those affected by the coronavirus
(COVID-19) pandemic.
The support we're extending to you. If you're experiencing financial hardship because of COVID-19.
please call 1-866-776-9859(TDD/TTY: 1-800-695-1788) to discuss how we may be able to help.
Account Center is available 24/7 for you to manage your WOMAN WITHIN account online. You
can make payments and view your balance. transactions and statements online. Not yet registered? Visit
comenity.net/womanwithin. enter your WOMAN WITHIN credit card account number and ZIP code, then
verify your identity.
We're looking out for you. We remain focused on the health and well-being of our customers and
associates, and we'll continue to stay on top of what's happening during the pandemic so we can best
support you.
IMPORTANT INFORMATION ABOUT LATE FEE CREDITS
We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If
we do. we will charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse
the credit and repost the charge to your account if you fail to make the minimum payment due on or
before the due date in the next billing period.
Protect yourself against mail and phone consumer fraud.
http://about.usps.com/publications/pub281/welcome.htm
FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024
4OF4
PAGE
FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024
t OF4
PAGE
Summa of account activit Pa ment information
Accountno. ***-**7-897 Newbalance $2,394.35
Minimumpaymentdue $707.00
Previousbalance $2,302.58 Paymentduedate 1201/2021
Payments 0.00
Othercredits 0.00 Late paymentwarning:
Purchases 0.00 If wedonotreceiveyourminimumpaymentby 12/01/2021
youmay
Otherdebits 0.00 ..haveto payupto a $4000 latefee
Feescharged 40.00 Minimumpaymentwarning:Ifyoumakeonlytheminimum
Interestcharged 51.77 paymentforeachperiod,youwill pay morein interestandit willtake
Newbalance $2,394.35 youlongerto payoffyourbalances.Forexample:
Pastdueamount 597.00 If you makenoadditional Youwill payoff Andyouwill
Creditlimit $1,420.00 chargesusingthis card thebalanceshown end uppayingan
Availablecredit $0.00 andeachmonthyou pay: on thestatement estimatedtotal
Statementclosingdate 11/05/2021 in about: of:
Daysin billingcycle 30 | Onlytheminimum payment | 7 years S4338
Forinformationregardingcreditcounselingservices,
call 1-800-284-1706.
It's safeandconvenient.Useyoursmartphone
Skipsigningin to payanduseComenity'sEasyPay. cameraor code
readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted.
Details of your transactions
.TRANSA E NSACTION ESCRI10 OC ION A O NT
Fees
1101/2021 LATEFEE 40.00
Totalfeeschargedfor this period $40.00
..........................................................................................................................................................................................................
Interest charged
Interestchargeon purchases $51.77
Total interestfor this period $51.77
2021totals yearto date
Totalfeeschargedin2021 $189.00
Totalinterestchargedin2021 $369.01
Interest charge calculation
YourAnnualPercentage Rate(APR)is theannualinterestrateonyouraccount.SeeBAl..ANCECOMPUTATION METHOD
onpage2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement.
TYPE OF BALANCE SuBJECT INTEREST
BALANCE APR TOINTERESTRATE CHARGE
Purchasespriorto 03/31/2021 26.9900%(v) 2,171.29 48.16
Purchases 28.9900%(v) 162.82 3.61
Additional important messa"es
IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a
bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this
statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will
still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089
(TDD/TTY 1-800-695-1788) and we will find a suitable payment before the end of this month. If written off,
(CONTINUED)
tearatperforation
Please above
Account
number "-"7-897
Newbalance Minimumpayment
du cour
'
FULLBEAUTY
994
mustreachus by6pmET
Mailedpayments
Yes,I havemoved orupdatedmy Amount on1201/2021.
e-mailaddress- seereverse- enclosed:
$ Pleasemakecheckpayableto:
ilMII@IIrl@il'I@¹¹IIIII9@rlrr@1l@ilrllil@rl¹IIIII
Pleaseretumthisportionalongwithyourpayment
to:
MARYJ JANCEK
159S ERIEST PO BOX 650972
MAYVILLENY14757-1218 DALLAS TX 75265-0972
IIIrullMili"¹11ni@ IrilirGullii"Fllirlilliar"¹"Il
FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024
... ......-----_______________ ___
______________.........---...--------.-----------------------------------_____
___ ___--___-----__________________..........................................................
Keep
What
thisportion foryourrecords.
ToDoIf YouThinkYou FindAMistake OnYour Statement
G TREPORTK
cmditbureaus.
w%m
Lalepayments, missed
ihw• -&d y -m2 ½
payments, orotherdefaults onyour
it youthinkthereisaneuror onyour write tousat: account may b ereflected inyour credit report.
statement, Comenity
BankPOBox182782. Columtuss. Ohio43218-2782. NOTICE OFCREDIT REPORT DISPUTES
InyourIctter,giveusthefollowing information: IIyoutudieve theaccount information wereported loaconsumer repmting
" Account informalirm· Your arxiaccSntnumt×:r- agency isinaccurate, youmaysubmit adirectdispute toComenity BankPC
name Box 182789, Columbus. Ohio 43218-2789. Your written d ispute m ust
" Dollar amount: Ihedollaramount ofthesuspected error- pnwide sullicient information 10identily theaccount andspecily
" Description whythe
ofProblem: Ifyouthinkthereisanerroronyourbill- information isinaccurate:
describewhatyouhelieve iswrong andwhyyoubelieve it isamistake- " Account Information: Your name andaccount number
uswithin60days aftertheerrorappeared onyour " Cantact Information: Your address arujtelephone number
Youmustcontact "
stalemen). Disputed information: Identify theaccount information disputed and
explain whyyouhelieve it isinaccurate
Youmustnotifyusofanypotential errors inwriting. Youmaycallus,hutit " Supporting Documentation: II available, pnwide acopyofIhesection of
youdowearenotrequired toinvestigate anypotential errors andyoumay thecreditreport showing theaccount information youaredisputing
havetopaytheamount inquestiott.
While weinvestigate whether ornottherehasbeen anerror. thefollowing We willinvestigate thedisputed information andreport theresults toyou
within30days ofreceipt oftheinformation needed forourmvestigation. If
nnottrytocollect theamount inquestion. orreport youas we ndthat eaccount ntormation wereported isinaccurate wewdl
delinquent onthatamount- agency towhich wereported theinformation.
" Thecharge inquestion mayremain onyourstatement, andwemay
continue tocharge youinterestonthatamount. But,if wedetermine that PAYMENTS MARKED"PAID INFULL". Allwritten communications regarding
wemade a mistake, youwillnothavetopaytheanmunt inquestion or disputed arnounts thalinclude anycheck orotherpayment instrument
anyinterest orotherfeesrelated tothatarnount. *ª .h"payment inlull"orsimilarlanguage. musthesentto:3000
" WhHe youdonothave topaytheamount inquestion. youareresponsibleKellway Dove, Suite120Carrollion. TX75006. DONOT
lortheremainder ofyourbalance- USEFHE ENCLOSED REMI ANCE ENVELOPE.
- Wemayaccept payment senttoanyotheraddress without losing anyof
" Wecanapply any urtpaidamount againstyour c redill imit- ourrights.
Your Rights It You AreDissatisfiedIVithYour Credit Card hrchases - No payment shall operage asanaccord and satisfaction without prior
wntten approval
Ifyouaredissatisfied withthegoods orservicesthatyouhave purchased CUSTOMER SERVICE. orcall1-888-252-5484
withyourcreditcard.andyouhave triedingoodfaithtocorrect the Visitcomenity.net/fullbeauty
problem withthemerchant, youmayhave therightnottopaytheremaining(IDD/ITY1-800-695-1788).
amounI dueonthepurchase- TELEPHONE MONITORING. loprovide youwithhigh-quality service. phone
Tousethisright.allofthefollowing mustbetrue: communication withusismonitored and/or recorded.
I. lhepurchase musthave beenmade inyourhome staleorwithin100 ADDITIONAL INFORMATION. Thefollowing designations, when appearing
milesofyourcurrent mailing address, andthepurchase pricemusthave onthefrontofyourstatement, meart thetollowing: Vrneans vanable rate
beenmorelhan$50.(Nule: Neither ofthese isnecessary if yourpurchase (thisratemay vary); WVINIPAY
WVINTEQPYmeans
HQmeans
WAIVE
WAlVE INFERESr.
EQUAL
PAYMENI
WV
wasbased onanadvertisement wemailed toyou,orit weownthecompany REQUIRED:INTLOW PMT means WAlVE
INIEREST,
LOW
PAYMENT:
DFINTPYRQ
thalsoldyouthegoods orservices.) INTEREST, PAYMENT:
means DEFER INTEREST. PAYMENT REQUIRED: DEFINTEQPYmeans
2.Youmusthave used yourcreditcardforthepurchase. Purchases made DEFER INIERESI, EQUAL PAYMENT ; DFINILOW PMTmeans DEFER
withcashadvances fromanAIMorwithacheck thataccesses yoescredit INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APR, EQUAL
cardaccount donotquality. PAYMENT. Ifyouhave avariable rateaccount, yourperiodic ratesmayvary.
3,Youmustnotyethavefullypaidforthepurchase. You may p ay allofyour A ccount balance at any time without penalty.
Ifallofthecriteria above aremetandyouarestilldissatisfied withthe . 4a3218-2273.
Preview
FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024 . .............___.--..---- -- -------. ----..----------------- ------..--....------... .-- .------------- -- ....... ----.. ..-....... .... ..................__.. PAGE 1OF4 Summa of account activity Pa ment information Accountno. **'-"9-439 Newbalance $2,491.40 Minimumpaymentdue $736.00 Previousbalance $2,397.50 Paymentduedate 12/01/2021 Payments 0.00 Othercredits 0.00 Late Paymentwarning: 0.00 Ifwedonot receiveyourminimumpaymentby 12/01/2021 youmay Purchases Otherdebits 0.00 ..haveto payup to a $4000latefee Feescharged 40.00 Minimumpaymentwarning:Ifyoumakeonlytheminimum Interestcharged 53.90 paymentforeachperiod,youwill pay morein interestandit willtake Newbalance $2,491.40 youlongerto payoffyourbalances.Forexample: Pastdueamount 621.00 If you makeno additional Youwill payoff Andyouwilt Creditlimit $2,130.00 chargesusingthis card thebalanceshown end up payingan Availablecredit $0.00 andeachmonthyou pay: on thestatement estimatedtotal Statementclosingdate 11/05/2021 in about: of: Daysin billingcycle 30 | Onlytheminimum payment | 7 years | S4516 Forinformationregardingcreditcounselingservices, call 1-800-284-1706. Skipsigningin to payanduseComenity'sEasyPay. cameraor code It's safeandconvenient.Useyoursmartphone readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted. Details of your transactions ..TRANSA E RANSACTION ESCRI10KOCAION A OUN Fees 11/01/2021 LATEFEE 40.00 Totalfeeschargedfor this period $40.00 --.--.--....-.........................-....-....-..............-..................---.....---.--..----.................................................................... Interest Charged Interestchargeon purchases $53.90 Total interestfor this period $53.90 2021totals yearto date Totalfeeschargedin2021 $189.00 Totalinterestchargedin2021 $385.65 fnterest charge calculation YourAnnualPercentage Rate(APR)is theannualinterestrateonyouraccount.SeeBALANCECOMPUTATION METHOD onpage2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement. TYPE OF BALANCESuBJECT INTEREST BALANCE APR To INTEREST RATE CHARGE Purchasespriorto 03/31/2021 26.9900%(v) 2,267.23(DA) 50.29 Purchases 26.9900%(v) 162,82(DA) 3.61 Additional important messa"es IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089 (TDD/TTY 1-800-695-1788) and we will find a suitable payment before the end of this month. If written off, (CONTINUED) - - - -- - - -- - - -- --------- ---- --- - ---NOT CEjSo rowseside n a nbanatn. Please above gearatperforation Account g, number ***-**9-439 Newbalance Minimumpayment aFULLBEAUTYbrand 994 Mailedpayments mustreachus by SpmET Yes,I havemovedorupdatedmy Amount on12/D1/2021. I e-mailaddress- seereverse. enclosed: $ Pleasemakecheckpayableto: Pleaseretumthisportionalongwithyourpaymentto: MARYJANCEK 159S ERIEST PO BOX 650972 MAYVILLENY14757-1218 DALLAS TX 75265-0972 "' I IrriellulibilHIIII"Hen"rIIH HIllll@III" FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024 ________________..____._....................................................___________..____ _____ Keep thisportion foryourrecords- What ToDoWYouThinkYou FindAMistake OnYour Statement CREDIT REPORTING. Wemayreport information about youraccount to li youthinkthereisancrroronyourstatement. writetousat:Comenity account credilbureaus. Latepayments, missed payments. orotherdefaults onyour BankPOBox182782. 011432t8-2782. may b ereflected inyour creditreport. Columbus, Inyourletter, giveusIhefollowing . informahon: NOTICE OFCREDIT REPORT DISPUTES " Account Your information: name andaccount number. IIyoubelieve theaccount information wereported toaconsumer reporting " Dollar amount: Thedollaramount ofthesuspected crror. agency isinaccurate. youmaysubmit adirectdispute toComenity BankPO " Description oflI>Mem:11youthinkthemisanerroronyourbill, Box182789, Columbus, OH43218-2789. Your written dispute must describe whatyoubelieve iswrong andwhyyoubelieve it isamistake. [Novide SulliCien t inlOrmat ionto identify t heaccount and specify whythe mformation isinaccurate Youmustcontact uswithin60days alterthecrrorappeared onyour " Account Information: ourname ar«laccount numtwr statement. " Contact Information: Your address andtelephone number Youmustnotifyusofanypotential errors inwriting.Youmaycallus,bulit " Disputed Information: Identify the account information disputed and youdoweareix>lrequired loinvestigate anypotential crmrs andyoumay explain whyyoubeheve it ismaccurate havetopaytheamount inquestion. " Supporting Documentation: 11available, provide acopyofthesection ol While . weinvestigate whethei ornottherehasbeen anerror. thefollowing thecreditreport showing theaccount information youaredisputing aretrue: Wewillinvestigate thedispuled information andreport theresults 10you " Wecannot trytocollecttheamount inquestion, orreport youas within30days ofreceipt oftheinformation needed lorourinvestigation. If delinquent onthatamount. wefindthattheaccount information wereported is inaccurate, wewill " Thecharge inquestion may r emain onyour s tatement, and we may promptly provide the necessary correction toeach c onsumer reg×wling continue tocharge youinterest onthatamount- But,if wedetermine agency towhichwereported theinformation. thatwemade amistake. youwiltnothavelopaytheamount inquestion PAYMENTS MARKED PAIDINFULL". AIIwrillen communicalions regarding oranyinterest orotherteesrelated tothalanmunt. dispuled amousrls thatinclude anycheck orotherpayment inslrument " While youdonothave topaythearnount inquestion, youareresponsiblemarked with"payment infull"orsimilar language, mustbesentto:3000 forthetemainder ofyourbalance. Kellway Drive, Suile120Carrollion, TX75006. " Wecanapply anyunpaid amount against yourcredillimit. IX)NOT USE THEENCLOSED REMIRANCE ENVELOPE. - Wemayaccept payment senttoanyotheraddress withouI losingany01 Your Rights HYort AreDissatisfied IVithYour Credit Card Purchases ourrights. Ifyouaredissatisfied withthegoods orservices thatyouhave purchased - No payment shall operate asanaccord and satisfaction without prior withyourcreditcard,andyouhave triedingoodlaithtocorrect the PP problem withthemerchang, youmayhave therightnot10paytheremainingCUSTOMER SERVICE. Visitcomenity.net/womanwithin orcall amount dueonthepurchase- 1-866-776-9859 (TDD/TTY 1-800-695-1788). Tousethisright,allofthelollowing mustbetrue: TELEPHONE MONITORING. Toprovide youwithhigh-quality service, L Ihepurchase musthave heen made inyourhome slateorwithin100 phone communication withusismonitored and/or recorded. milesofyourcurrent mailing address, andthepurchase pricemusthave been morethan$50.(Note: Neither ofthese isnecessary ifyourpurchase ADDITIONAL INFORMATION. Thefollowing designations, when appearing wasbased onanadvertisement wemailed toyou,orit weownthecompanyonthefrontofyourstatement, mean thetottowing: Vmeans variablerate thatsoldyouthegoods orservices.) (thisratemayvary); WVINTPAY RQmeans WAIVE INTEREST, PAYMENT 2.Youmusthave used yourcreditcardforthepurchase. Purchases made REQUIRED: WVINTEQPYmeans WAlVE INTEREST. EQUAL PAYMENT; WV withcashadvances fromanAIMorwithacheck thataccesses yourcredit INTLOW PMT means WAlVE INTEREST, LOW PAYMEN T:DFINTPYRQ cardaccount donotqualify. means DEFER INTEREST, PAYMENT REQUIRED: DEFINTEQPYmeans 3.Youmustnotyethavefullypaidforthepurchase. DEFER INTEREST, EQUAL PAYMENT- DFINTLOW PMTmeans DEFER INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APH. EQUAL Itallofthecriteria above aremetamiyouarestilldissatisfied withthe PAYMENf . IIyouhave avariable rateaccount, yourperiodic ratesmay purchase. contact usinwriting at: Cornenity Hank POMcm 182782- vary.YoumaypayallofyourAccount balance atanytimewithout penalty. Columbus, OH43218-2782. Send allinquiries to:CUSTOMER SERVICE, POBox182273, Columbus, While weinvestigate. thesame rulesapplytothedisputed amount as OH43218-2273. discussed almve. Afterwelinishourinvestigation, wewilltellyouour decision. Atthatpoint,ifwethinkyouoweanamount andyoudonotpay Send allbankruptcy notices andrelated correspondence toComenity Bank, wemayreport youasdelinquent. Bankruptcy Department, POBox182125, Columbus, OH43218-2125. HOW TOAVOlD PAY1NG INTEREST. Your duedateisatleast25days after NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you providea thecloseofeachbillingcycle.Wewillnotcharge youinterest onpurchasescheck aspayment. youauthorize useither touseinformation fromyour if youpayyourentirebalance by thedue date each month. We willbegin t o check t omake aone-time electronic fund transfer from your a ccount orto charge interest onnewpurchases made urwier aLowAPR. Equal Payment process thepayment asacheck transaction. When weuseinformation from orBudge t Payment Credit Planfromthedateofpurchase. yourcheck tomake anelectronic fundtransfer, fundsmaybewithdrawn fromyouraccount assoon asthesame daywereceive yourpayment, and BALANCE COMPUTATION METHOD. Wecalculate interestseparately for youwillnolreceive yourcheck backfromyourlinancial institution. eachbalance using themethod(s) described below. lhetwoletters in parentheses nexttotheBalance Subject toInterest Ratecolumn inthe Interest Charge Calculation section onthis statement corresponds tothe toHowing: (DA) Wefiguretheinlerest balance" charge onthistalance byapplying theperiodic ratetothe "daily foreachdayinthebillingperiod. Togetthe "dailybalance" wetakethebeginning halance eachday,addanynew transactions andlecsandsubtract anypayments orcredits (treating anynel cIcditbalance asazerobalance). Thisgives usthedailybalance. (MC) Wefigure theinterest charge balance" onthisbalance byapplying theperiodic ratetothe"average daily lorthebillingperiod. Togelthe "average dailybalance" wetakethebeginning balance eachday,addany newtransactions andfeesandsubtract anypayments orcredits (treating anynelcredilbalance asazerobalance). Ihisgivesusthedailybalance. Then, weaddupallthedailybalances forthebillingperiod anddividethe totalbbalance." ythenumber ofdaysinthebillingperiod. Thisgives usthe"average daily PAYMENTS. PayyourAccount bythepayment duedatebythetimelistedbelow.Ifwedonotreceive yourpayment inacorrect format (outlined it below) maynotbecredited toyourAccount foruptofivedays,ormayberejected. yourpayment Also, mustreach usbythepayment cutofftimethatappliesto thepayment method youselect. Correct Format. Correctformallorditlerent paymeni methods include: or0memight: Mailing Send apersonal check, money Iraveler's order, checkorcashier's checkpayable inU.S.dollars, tothename andaddress shownon thisStatementinthepayment yourbalance stubareacontaining andminimum paymentamount.Hesuretoinclude yourpaymentstub,donotslaple or clipyourpayment tothestub,include youraccoung number onyourcheck. provided usetheenvelope withyourSlatement,semionepaymeni wilhone paymentslubanddonotsend anycorrespondencewithyourpayment.Youshouldovemightapayment to3000Kellway Suite120Carrollton, Drive, TX 75006 andtheadditional lormatrequirements arethesame asothermailedpayments thereisadispute, unless inwhichcaseyoulollowthePayments Marked'FaidinFull"section alxwe.Dormtsend cashorgillcertificates. PayByPhone: Youcancallustollfreeat1-866-776-9859 (IDIVIIY 1-800-695-1788) tomake apayment whichmayinclude bytelephone, Youcanmake afee.Online: apayment onlineatcomenity.nellwomanwithin. PaymentCutoff Times.Payment cutofftimes/deadlines forustoreceivepaymentsarebytheduedateonthisStatement inthepayment stubareaatthe tirnes: following Mailing and0semight: By6:00pmEastern Time (ET);PayByPhone:By6:00pm(ET): online:By6:00pm(ET). NewInformation tle(optional) FirstName MI LastName Soc.Sec.No. StreetAddress . ...... Apt.No. RR_______ POBox City______ State________. ZipCode Foreign MapCode__ HomePhone WorkPhone EmailAddress FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024 .... . ... . ........................_____.................................... .... .... ...............................................__............._______.................... PAGE 3 OF4 Additional important messages - continued the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the appropriate steps, as permitted and available under applicable law, to protect our interests. Affected by COVID-19? Comenity Bank Offers Support As the bank that manages your credit card, our hearts go out to those affected by the coronavirus (COVID-19) pandemic. The support we're extending to you. If you're experiencing financial hardship because of COVID-19. please call 1-866-776-9859(TDD/TTY: 1-800-695-1788) to discuss how we may be able to help. Account Center is available 24/7 for you to manage your WOMAN WITHIN account online. You can make payments and view your balance. transactions and statements online. Not yet registered? Visit comenity.net/womanwithin. enter your WOMAN WITHIN credit card account number and ZIP code, then verify your identity. We're looking out for you. We remain focused on the health and well-being of our customers and associates, and we'll continue to stay on top of what's happening during the pandemic so we can best support you. IMPORTANT INFORMATION ABOUT LATE FEE CREDITS We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If we do. we will charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse the credit and repost the charge to your account if you fail to make the minimum payment due on or before the due date in the next billing period. Protect yourself against mail and phone consumer fraud. http://about.usps.com/publications/pub281/welcome.htm FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024 4OF4 PAGE FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024 t OF4 PAGE Summa of account activit Pa ment information Accountno. ***-**7-897 Newbalance $2,394.35 Minimumpaymentdue $707.00 Previousbalance $2,302.58 Paymentduedate 1201/2021 Payments 0.00 Othercredits 0.00 Late paymentwarning: Purchases 0.00 If wedonotreceiveyourminimumpaymentby 12/01/2021 youmay Otherdebits 0.00 ..haveto payupto a $4000 latefee Feescharged 40.00 Minimumpaymentwarning:Ifyoumakeonlytheminimum Interestcharged 51.77 paymentforeachperiod,youwill pay morein interestandit willtake Newbalance $2,394.35 youlongerto payoffyourbalances.Forexample: Pastdueamount 597.00 If you makenoadditional Youwill payoff Andyouwill Creditlimit $1,420.00 chargesusingthis card thebalanceshown end uppayingan Availablecredit $0.00 andeachmonthyou pay: on thestatement estimatedtotal Statementclosingdate 11/05/2021 in about: of: Daysin billingcycle 30 | Onlytheminimum payment | 7 years S4338 Forinformationregardingcreditcounselingservices, call 1-800-284-1706. It's safeandconvenient.Useyoursmartphone Skipsigningin to payanduseComenity'sEasyPay. cameraor code readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted. Details of your transactions .TRANSA E NSACTION ESCRI10 OC ION A O NT Fees 1101/2021 LATEFEE 40.00 Totalfeeschargedfor this period $40.00 .......................................................................................................................................................................................................... Interest charged Interestchargeon purchases $51.77 Total interestfor this period $51.77 2021totals yearto date Totalfeeschargedin2021 $189.00 Totalinterestchargedin2021 $369.01 Interest charge calculation YourAnnualPercentage Rate(APR)is theannualinterestrateonyouraccount.SeeBAl..ANCECOMPUTATION METHOD onpage2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement. TYPE OF BALANCE SuBJECT INTEREST BALANCE APR TOINTERESTRATE CHARGE Purchasespriorto 03/31/2021 26.9900%(v) 2,171.29 48.16 Purchases 28.9900%(v) 162.82 3.61 Additional important messa"es IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089 (TDD/TTY 1-800-695-1788) and we will find a suitable payment before the end of this month. If written off, (CONTINUED) tearatperforation Please above Account number "-"7-897 Newbalance Minimumpayment du cour ' FULLBEAUTY 994 mustreachus by6pmET Mailedpayments Yes,I havemoved orupdatedmy Amount on1201/2021. e-mailaddress- seereverse- enclosed: $ Pleasemakecheckpayableto: ilMII@IIrl@il'I@¹¹IIIII9@rlrr@1l@ilrllil@rl¹IIIII Pleaseretumthisportionalongwithyourpayment to: MARYJ JANCEK 159S ERIEST PO BOX 650972 MAYVILLENY14757-1218 DALLAS TX 75265-0972 IIIrullMili"¹11ni@ IrilirGullii"Fllirlilliar"¹"Il FILED: CHAUTAUQUA COUNTY CLERK 02/08/2024 02:33 PM INDEX NO. EK12024000236 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 02/08/2024 ... ......-----_______________ ___ ______________.........---...--------.-----------------------------------_____ ___ ___--___-----__________________.......................................................... Keep What thisportion foryourrecords. ToDoIf YouThinkYou FindAMistake OnYour Statement G TREPORTK cmditbureaus. w%m Lalepayments, missed ihw• -&d y -m2 ½ payments, orotherdefaults onyour it youthinkthereisaneuror onyour write tousat: account may b ereflected inyour credit report. statement, Comenity BankPOBox182782. Columtuss. Ohio43218-2782. NOTICE OFCREDIT REPORT DISPUTES InyourIctter,giveusthefollowing information: IIyoutudieve theaccount information wereported loaconsumer repmting " Account informalirm· Your arxiaccSntnumt×:r- agency isinaccurate, youmaysubmit adirectdispute toComenity BankPC name Box 182789, Columbus. Ohio 43218-2789. Your written d ispute m ust " Dollar amount: Ihedollaramount ofthesuspected error- pnwide sullicient information 10identily theaccount andspecily " Description whythe ofProblem: Ifyouthinkthereisanerroronyourbill- information isinaccurate: describewhatyouhelieve iswrong andwhyyoubelieve it isamistake- " Account Information: Your name andaccount number uswithin60days aftertheerrorappeared onyour " Cantact Information: Your address arujtelephone number Youmustcontact " stalemen). Disputed information: Identify theaccount information disputed and explain whyyouhelieve it isinaccurate Youmustnotifyusofanypotential errors inwriting. Youmaycallus,hutit " Supporting Documentation: II available, pnwide acopyofIhesection of youdowearenotrequired toinvestigate anypotential errors andyoumay thecreditreport showing theaccount information youaredisputing havetopaytheamount inquestiott. While weinvestigate whether ornottherehasbeen anerror. thefollowing We willinvestigate thedisputed information andreport theresults toyou within30days ofreceipt oftheinformation needed forourmvestigation. If nnottrytocollect theamount inquestion. orreport youas we ndthat eaccount ntormation wereported isinaccurate wewdl delinquent onthatamount- agency towhich wereported theinformation. " Thecharge inquestion mayremain onyourstatement, andwemay continue tocharge youinterestonthatamount. But,if wedetermine that PAYMENTS MARKED"PAID INFULL". Allwritten communications regarding wemade a mistake, youwillnothavetopaytheanmunt inquestion or disputed arnounts thalinclude anycheck orotherpayment instrument anyinterest orotherfeesrelated tothatarnount. *ª .h"payment inlull"orsimilarlanguage. musthesentto:3000 " WhHe youdonothave topaytheamount inquestion. youareresponsibleKellway Dove, Suite120Carrollion. TX75006. DONOT lortheremainder ofyourbalance- USEFHE ENCLOSED REMI ANCE ENVELOPE. - Wemayaccept payment senttoanyotheraddress without losing anyof " Wecanapply any urtpaidamount againstyour c redill imit- ourrights. Your Rights It You AreDissatisfiedIVithYour Credit Card hrchases - No payment shall operage asanaccord and satisfaction without prior wntten approval Ifyouaredissatisfied withthegoods orservicesthatyouhave purchased CUSTOMER SERVICE. orcall1-888-252-5484 withyourcreditcard.andyouhave triedingoodfaithtocorrect the Visitcomenity.net/fullbeauty problem withthemerchant, youmayhave therightnottopaytheremaining(IDD/ITY1-800-695-1788). amounI dueonthepurchase- TELEPHONE MONITORING. loprovide youwithhigh-quality service. phone Tousethisright.allofthefollowing mustbetrue: communication withusismonitored and/or recorded. I. lhepurchase musthave beenmade inyourhome staleorwithin100 ADDITIONAL INFORMATION. Thefollowing designations, when appearing milesofyourcurrent mailing address, andthepurchase pricemusthave onthefrontofyourstatement, meart thetollowing: Vrneans vanable rate beenmorelhan$50.(Nule: Neither ofthese isnecessary if yourpurchase (thisratemay vary); WVINIPAY WVINTEQPYmeans HQmeans WAIVE WAlVE INFERESr. EQUAL PAYMENI WV wasbased onanadvertisement wemailed toyou,orit weownthecompany REQUIRED:INTLOW PMT means WAlVE INIEREST, LOW PAYMENT: DFINTPYRQ thalsoldyouthegoods orservices.) INTEREST, PAYMENT: means DEFER INTEREST. PAYMENT REQUIRED: DEFINTEQPYmeans 2.Youmusthave used yourcreditcardforthepurchase. Purchases made DEFER INIERESI, EQUAL PAYMENT ; DFINILOW PMTmeans DEFER withcashadvances fromanAIMorwithacheck thataccesses yoescredit INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APR, EQUAL cardaccount donotquality. PAYMENT. Ifyouhave avariable rateaccount, yourperiodic ratesmayvary. 3,Youmustnotyethavefullypaidforthepurchase. You may p ay allofyour A ccount balance at any time without penalty. Ifallofthecriteria above aremetandyouarestilldissatisfied withthe . 4a3218-2273.