Preview
FILED: BRONX COUNTY CLERK 03/18/2024 10:12 AM INDEX NO. 804499/2024E
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/18/2024
1OF4
PAGE
SEr½rha f ed óunt ã ñviTK2 Painienfiñf ñatioI M
Accountno. ****-****-****-4363 Newbalance $6,147.21
Minimumpaymentdue $102.45
Previousbalance $6,147.21 Paymentduedate 01/04/2022
Payments 0.00
Othercredits 0.00 Late payment warning:
Purchases 0.00 applicable
__Not
Otherdebits 0.00 MInimumpaymentwarning:If youmakeonlytheminimum
Cashadvance 0.00 paymentforeachperiod,youwill pay morein interestandit willtake
Balancetransfer 0.00 youlongerto payoffyourbalances.Forexample:
Feescharged 0.00
Interestcharged 0.00 If youmakenoadditional Youwill payoff Andyouwill
Newbalance $6,147.21 chargesusingthiscard thebalanceshown end up payingan
andeachmonthyoupay: on thestatement estimatedtotal
Pastdueamount 467.00 in about: of:
Creditlimit $5,500.00 | Oniytheminimum payment | 6 years | S6190
Availablecredit $0.00 $171 3 years S6147
Cashcreditlimit $0.00 (savings$43)
Availablecash $0.00
Statementclosingdate 12/09/2021 Forinformationregarding
creditcounselingservices,
Daysin billingcycle 31 call 1-800-284-1706.
Skipsigningin to payanduseComenity'sEasyPay.
It's safeandconvenient.Useyoursmartphone
cameraor code
readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted.
No trãnsactioiis thisÈériod 15 & s iMEMM. GWC
Fees
Totalfeeschargedfor this period $0.00
..........................................................................................................................................................................................................
Interest charged
interestchargeon purchases $0.00
Interestchargeon cashadvance $0.00
Interestchargeon balancetransfer $0.00
Total interestfor this period $0.00
2021totals yearto date
Totalfeeschargedin 2021 $138.00
TotalinterestchargedIn2021 $845.62
IntesâEt.cheffe cálculatior R ¾;MDEW2Oh©&. $ 7 W.F.GC 2%
YourAnnualPercentage Rate(APR)is theannualinterestrateonyouraccount.SeeBALANCECOMPUTATION METHOD
onpage2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement.
TYPE OF BALANCE SUBJECT INTEREsT
BALANCE APR TOINTERESTRATE CHARGE
Purchases 0.0000% 0.00 0.00
Purchases 0.0000% 0.00 0.00
Cashadvances 0.0000% 0.00 0.00
Additi dnal importâñt niessã¼ies ARQC MP
Protecting your account from online fraud
If you're shopping online and are asked to verify your purchase by confirming the last four digits of your
(CONTINUED)
- - - - ....- - ..- - - - ..- ..-- - - - - - - - - - - - - - - -
-- - - - - - - - -- - - - - - - - - - - - ..-- - - - - - - - - - - - - - - - - - - - - - - - - - - -
Please tearatperforation
above
Account
number ****-****-****-4363
.. Newbalance Minimum payment
$6,147.21 $102.45
994
Mailedpayments mustreachus by 6pmET
Yes,I havemoved orupdatedmy Amount
¡ e-mailaddress- seereverse- enclosed:
on01/04/2022.
$ Pleasemakecheckpayableto:
plul Ili lus II a I ilallips I: I
Pleaseretumthisportionalongwithyourpaymentto:
TAJAJESSAMY
3336WICKMANAVE. APT2 PO BOX 650113
BRONXNY10469 DALLAS TX 75265-0113
illlllihril'lilllil¹Illilll¹ill'r1111+ lirigiblrill"el
FILED: BRONX COUNTY CLERK 03/18/2024 10:12 AM INDEX NO. 804499/2024E
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/18/2024
Keep thisportion foryourrecords. CREDIT REPORTING. Wemayreport information about youraccount to
What ToDoIf YouThinkYouFindAMistake OnYour Statement creditbureaus. Latepayments, missed paymenIs, orotherdefaulls onyour
account may b ereflected inyour credit report.
Ifyouthinkthereisanerroronyourstatement, writetousat:Comenity
Capital BankPOBox182620, Columbus, 011 43218-2620. NOTICE OFCREDIT REPORT DISPUTES IIyoubelieve theaccount
.
inlormahon: information wereporled loaconsumer reporting agency isinaccurate, you
Inyourletter, giveusthelollowing may s ubmit adirect dispute to Comenity Capital BankPOBox182120,
" Account information: Yourname andaccount number- OH 43218-2120. Your writtend isputem ustprovide sufficient
" Dollar Columbus,
amounh Thedollaramount ofthesuspected error. informalion lo identify theaccoun1 andspecily whytheinlormalion is
" Description ofProblem: Ifyouthinkthereisanerroronyourbill, inaccurate:
describe whatyoubelieve iswrong andwhyyoubelieve it isamistake· " Account Information: Yourname andaccount nurnber
aftertheenorappeared onyour " Contact Information: Your address andtelephone number
Youmustcontact uswithin60days " Disputed Information: theaccount information disputed and
statement. Identify
explain why youbelieve it isinaccurate
Youmustnotifyusofanypotential errors inwriting. Youmaycallus,butif " Supporting Documentation: Ifavailable, provide acopy ofthesection of
youdowearenotrequired toinvestigateanypotential errors andyoumay thecreditreport showing theaccount information youaredisputing
have topaytheamount inquestion.
ornottherehasbeen anerror, thefollowing We willinvestigate Ihedisputed information andreport theresults toyou
While weinvestigate whether within30days ofreceipt oftheinformation needed forourinvestigation. If
W c nnottrytocollecttheamount inquestion, orreport you as we firdthat i t eaccou f rmatNn w rerorted i sina ral we wII
delmquent onthatamount. agency towhichwereported theinformation.
" Thecharge inquestion mayremain onyourstatement, andwemay
coolinue tocharge youinterestonIhalamount. Bul,il wedetermine that PAYMENTS MARKED "PAID INFULL". Allwritten communications
wemade amistake, t
youwillnothave payo theamount inquestion or reganling disputed amounts thal include anycheck orotherpayment
orotherfeesrelated tothatamount. instrument marked "payment infulForsimilarlarn:uage, mustbesentto:
anyinterest 3000 Kellway Drive,Suite 120 Carrollion, IX/S006.
" While youdono1have topaythearnount inquestion, youareresponsibleN NOflJSEIHEENCLOSED REMI“1ANCE ENVEl.0PE,
lortheremainder ofyourbalance' - Wemayaccept payment senttoanyotheraddress without losing anyof
" Wecanapply anyunpaid amount against yourcreditlimit. ourrights.
Rights It You AreDissatisfiedWithYour Credit Card Purchases - No payment shall operate asanaccord and satisfaction without prior
Your wrillen approval.
IIyouaredissatisfied wilhtheg(××js orservices thatyouhave purchased
withyourcreditcard,andyouhavetriedingoodfaithtocorrect the CUSTOMER SERVICE. Visitcomenity.net/bis orcall1-856-269-1622 (My
problem withthemerchant, youmayhave therightnottopaytheremaining BJ's Perks Mastercard) orI-844-2/l-2635(MyBJ'sPerks World
amount dueonthepurchase. Mastercard) (TDDr Y1-888-819-1918).
Tousethisright,allofthefollowing mustbetrue: TELEPHONE MONITORING. loprovide youwilhhigh-quality service,phone
communication withusismonitored and/or recorded.
t. Thepurchase musthave beenmade inyourhome stateorwithin100 ADDITIONAL INFORMATION. The when
mileso1yourcurrent mailing andthepurchase
address, pricemusthave following designations, a ppearing
been more than$60.(Note: Neither
ofthese isnecessary ifyourpurchase onthefront ofyourstatement, mean thefollowing: Vmeans variable rate
wasbased onanadvertisement wemailed toyou,orif weownthecompany (1his ratemayvary); WVlNTPAY RQmeans WAIVE INTERESI, PAYMENI
Ihalsoldyouthegoods orservices.) REQUIRED: WVINIEQPYmeans WAlVE INIEREST, EQUAL PAYMENI; WV
INTLOW PMT means WAlVE INTEREST, LOW PAYMENT; DFINTPYRQ
2.You musthave used yourcreditcardforthepurchase. Purchases made means DEFER INIEREST, PAYMENI REQlilHED; DEFINIEQPYmeans
withcashadvances fromanATMorwithacheck thataccesses yourcredit DEFER INIEREST, EQllAl. PAYMENI; DFINILOW PMFmeans DEFER
cardaccount donotquality. INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APR, EQUAL
3.Youmustnotyethave PAYMENT. Ifyou have a variable rate account, your p eriodic rates may vary.
lullypaidlorthepurchase. YoumaypayallofyomAccounI balance atanylimewithout penally.
Ifallofthecriteria above aremetandyouarestilldissatisfied withthe Send allinquiries to:CUSTOMER SERVICE, POBox183003, Columbus, OH
purchase. contact usin writmg at:Comently Capital Bank POBox18262O' 43218-3003
Columbus, OH43218-2620.
thesame amount as Send a ll bankruptcy notices and related correspondence to Comenity
While weinvestigate,
discussed above. . . rules
Afterwehnish .applytothe. disputed
ourinvestigahon, wewilltellyouour Capital Bank, Bankruptcy Depaitment, POBox183043, Columbus, OH
decision. Atthatpoint,il wethinkyouoweanamount andyoudonotpay 43218-3043
wemayreport youasdelinquent. NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When youprovide a
Yourduedateisatleast25days aftertheclose ofcach check aspayment, youauthorize useithertouseinformation Iromyour
PAYING INTEREST. check t omake a one-time electronic fund transfer from your a ccountorto
bilhng cycle.Wewhlnotcharge youinlemst onpurchases 11 youpayyour process thepayment asacheck transaction. When weuseinformation trom
entirebalance bytheduedateeachmonth. Wewillbegin charmng mterest yourcheck tomake anelectronic fundtransfer, funds maybewithdrawn
onbalance transfers andcashadvances onthetransaction date.Wewill hom your account assoon a sthe same d ay wereceive your p ayment,and
begintocharge interestonnewpurchases made under aLowAPR, Equal youwillnotreceive yourcheck backfromyourlinancial institution.
Payment orBudget Payment Planfromthedateofpurchase.
Credit
BALANCE COMPUTATION METHOD. Wecalculate inlerest separalelylor
eachtypeofbalance onyouraccount using a'DailyBalance' todetermine
interest charges loreachbillingperiod. Weliguretheinterest
balance' chargeon
youraccount byapplying theperiodic rate tothe 'daily balance" ofyour
account toreachdayinthebillingcycle.logetthe'daily wetake
thebeginning balance ofyouraccount eachday,addanynewpurchases,
advances, feesandbalance andsubtract
transfers, anypayments orcredits
(treating anynetcreditbalance asazerobalance). Thisgives usthedaily
balance.
PAYMENTS, PayyourAccount bythepayment duedatebythetimelistedbelow. Ifwedonotreceive yourpaymentinacorrect format (outlined
below)it
maynotbecredited toyourAccount toruptofivedays, ormayberejected. Also,yourpayment mustreach usbythepayment cutotttimethatapplies
to
thepayment method youselect.
Thiscardisissued byComenity Capital
Bankpursuant toalicensefromMastercard International Mastercard
!ncorporated.
trademaik
isaregistered ofMastercard Intemational
incorporated.
Correct
Format. Correctlormattorditterentpayment
methods include:
orOvemight:
Mailing Send a personalcheck,moneyorder,traveler'scheckorcashier's
check payableinU.S.dollars,tothename andaddressshown on
thisStatementinthepayment stubareacontainingyourbalance andminimum payment amount. Besuretoinclude yourpaymenI sIub,donotslapleor
clipyourpayment tothestub,include youraccountnumber onyourcheck, usetheenvelopeprovided withyourStatement,sendonepayment withone
paymentstubanddonotsendanycorrespondence withyourpayment. Youshouldovemight apayment 1o3000Kellway Drive, TX
SuiIe120Carrollton,
75006 andtheadditional tormalrequirementsarethesame asothermailed paymentsunlessthereisadispute,inwhich caseyoufollowthePayments
Marked'PaidinFulFsection above. Donotsendcashorgiftcertificates.PayByPhone: Youcancallustofffreeat I-855-269-1622 (MyBJ'sPerks
or1-844-2/
Mastercard) l-263S(MyBJ'sPerks WorldMastercard) (IDD/l1Y:1-888-819-1918)tomake a payment
bylelephone, whichmayinclude afee.
Online:
Youcanmake apayment online atcomenity.net/bis.
PaymentCutoff Times.Payment cuto11 forustoreceive
times/deadlines paymentsarebytheduedateonthisStatement inthepayment slubareaatthe
limes:
following Mailing andOvemight: By6:00pmEastern lime(El); PayByPhone:By6:00pm(EI);Online: By6:00pm(Ei).
NewInformation
Title(optional) FirstName MI
LastName Soc.Sec.No.
StreetAddress
Apt.No. RR POBox
City State ZipCode Foreign
MapCode
HomePhone WorkPhone
EmailAddress
FILED: BRONX COUNTY CLERK 03/18/2024 10:12 AM INDEX NO. 804499/2024E
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/18/2024
3 OF4
PAGE
A-daitichal!irñ órt nt esse dåItiniTed ErdQ1 [!i Q$2PM MQîEO.¾
mobile phone number, this is a security step we've put in place on your behalf - it is safe to provide this
information. Once you confirm it, we will use the mobile phone number on file with your My BJ's Perks
Mastercard credit card account to send you a verification code via text message.
Effective February 2, 2022. the cutoff times for payments to be credited on the same day when the
payments are made over the phone and online are changing. Telephone and online Account Center
payments made by 5:00 pm Eastem Time will post on the same day. Please see the information provided
on the back of the first page of your statement for more details about payment cutoff times.
Important Reminder: If you make a purchase with this credit card using a promotional plan. the
promotional plan expiration date and payment due date may be different. This means that if you have any
remaining promotional plan balance after the promotional plan expiration date, the balance and any
accrued interest (if applicable), will move to your regular revolving plan on the next billing statement.
How to avoid or minimize interest charges: Be sure to pay any promotional plan balance in full on
plans" section of
or before the plan expiration date shown in the "Details of your your statement. Please
also keep an eye out for notifications of when your promotional plan(s) are nearing their expiration
date-you'll see them in the red box on page 1 of your statement. If you have questions, please call us
toll-free at 1-855-269-1622(TDD/TTY:1-888-819-1918).To leam more about how promotional plans work,
visit comenity.com/financial-education. We're always happy to help.
Affected by COVID-19? Comenity Capital 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 1-855-269-1622 (TDD/TTY: 1-888-819-1918) to discuss how we may be able to help.
Account Center is available 24R for you to manage your My BJ's Perks Mastercard account
online. You can make payments and view your balance. transactions and statements online. Not yet
registered? Visit mybjsperks.com, enter your My BJ's Perks Mastercard 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.
Protect yourself against mail and phone consumer fraud.
http://about.usps.com/publications/pub281/welcome.htm
FILED: BRONX COUNTY CLERK 03/18/2024 10:12 AM INDEX NO. 804499/2024E
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/18/2024
4OF4
PAGE
Preview
FILED: BRONX COUNTY CLERK 03/18/2024 10:12 AM INDEX NO. 804499/2024E NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/18/2024 1OF4 PAGE SEr½rha f ed óunt ã ñviTK2 Painienfiñf ñatioI M Accountno. ****-****-****-4363 Newbalance $6,147.21 Minimumpaymentdue $102.45 Previousbalance $6,147.21 Paymentduedate 01/04/2022 Payments 0.00 Othercredits 0.00 Late payment warning: Purchases 0.00 applicable __Not Otherdebits 0.00 MInimumpaymentwarning:If youmakeonlytheminimum Cashadvance 0.00 paymentforeachperiod,youwill pay morein interestandit willtake Balancetransfer 0.00 youlongerto payoffyourbalances.Forexample: Feescharged 0.00 Interestcharged 0.00 If youmakenoadditional Youwill payoff Andyouwill Newbalance $6,147.21 chargesusingthiscard thebalanceshown end up payingan andeachmonthyoupay: on thestatement estimatedtotal Pastdueamount 467.00 in about: of: Creditlimit $5,500.00 | Oniytheminimum payment | 6 years | S6190 Availablecredit $0.00 $171 3 years S6147 Cashcreditlimit $0.00 (savings$43) Availablecash $0.00 Statementclosingdate 12/09/2021 Forinformationregarding creditcounselingservices, Daysin billingcycle 31 call 1-800-284-1706. Skipsigningin to payanduseComenity'sEasyPay. It's safeandconvenient.Useyoursmartphone cameraor code readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted. No trãnsactioiis thisÈériod 15 & s iMEMM. GWC Fees Totalfeeschargedfor this period $0.00 .......................................................................................................................................................................................................... Interest charged interestchargeon purchases $0.00 Interestchargeon cashadvance $0.00 Interestchargeon balancetransfer $0.00 Total interestfor this period $0.00 2021totals yearto date Totalfeeschargedin 2021 $138.00 TotalinterestchargedIn2021 $845.62 IntesâEt.cheffe cálculatior R ¾;MDEW2Oh©&. $ 7 W.F.GC 2% YourAnnualPercentage Rate(APR)is theannualinterestrateonyouraccount.SeeBALANCECOMPUTATION METHOD onpage2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement. TYPE OF BALANCE SUBJECT INTEREsT BALANCE APR TOINTERESTRATE CHARGE Purchases 0.0000% 0.00 0.00 Purchases 0.0000% 0.00 0.00 Cashadvances 0.0000% 0.00 0.00 Additi dnal importâñt niessã¼ies ARQC MP Protecting your account from online fraud If you're shopping online and are asked to verify your purchase by confirming the last four digits of your (CONTINUED) - - - - ....- - ..- - - - ..- ..-- - - - - - - - - - - - - - - - -- - - - - - - - -- - - - - - - - - - - - ..-- - - - - - - - - - - - - - - - - - - - - - - - - - - - Please tearatperforation above Account number ****-****-****-4363 .. Newbalance Minimum payment $6,147.21 $102.45 994 Mailedpayments mustreachus by 6pmET Yes,I havemoved orupdatedmy Amount ¡ e-mailaddress- seereverse- enclosed: on01/04/2022. $ Pleasemakecheckpayableto: plul Ili lus II a I ilallips I: I Pleaseretumthisportionalongwithyourpaymentto: TAJAJESSAMY 3336WICKMANAVE. APT2 PO BOX 650113 BRONXNY10469 DALLAS TX 75265-0113 illlllihril'lilllil¹Illilll¹ill'r1111+ lirigiblrill"el FILED: BRONX COUNTY CLERK 03/18/2024 10:12 AM INDEX NO. 804499/2024E NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/18/2024 Keep thisportion foryourrecords. CREDIT REPORTING. Wemayreport information about youraccount to What ToDoIf YouThinkYouFindAMistake OnYour Statement creditbureaus. Latepayments, missed paymenIs, orotherdefaulls onyour account may b ereflected inyour credit report. Ifyouthinkthereisanerroronyourstatement, writetousat:Comenity Capital BankPOBox182620, Columbus, 011 43218-2620. NOTICE OFCREDIT REPORT DISPUTES IIyoubelieve theaccount . inlormahon: information wereporled loaconsumer reporting agency isinaccurate, you Inyourletter, giveusthelollowing may s ubmit adirect dispute to Comenity Capital BankPOBox182120, " Account information: Yourname andaccount number- OH 43218-2120. Your writtend isputem ustprovide sufficient " Dollar Columbus, amounh Thedollaramount ofthesuspected error. informalion lo identify theaccoun1 andspecily whytheinlormalion is " Description ofProblem: Ifyouthinkthereisanerroronyourbill, inaccurate: describe whatyoubelieve iswrong andwhyyoubelieve it isamistake· " Account Information: Yourname andaccount nurnber aftertheenorappeared onyour " Contact Information: Your address andtelephone number Youmustcontact uswithin60days " Disputed Information: theaccount information disputed and statement. Identify explain why youbelieve it isinaccurate Youmustnotifyusofanypotential errors inwriting. Youmaycallus,butif " Supporting Documentation: Ifavailable, provide acopy ofthesection of youdowearenotrequired toinvestigateanypotential errors andyoumay thecreditreport showing theaccount information youaredisputing have topaytheamount inquestion. ornottherehasbeen anerror, thefollowing We willinvestigate Ihedisputed information andreport theresults toyou While weinvestigate whether within30days ofreceipt oftheinformation needed forourinvestigation. If W c nnottrytocollecttheamount inquestion, orreport you as we firdthat i t eaccou f rmatNn w rerorted i sina ral we wII delmquent onthatamount. agency towhichwereported theinformation. " Thecharge inquestion mayremain onyourstatement, andwemay coolinue tocharge youinterestonIhalamount. Bul,il wedetermine that PAYMENTS MARKED "PAID INFULL". Allwritten communications wemade amistake, t youwillnothave payo theamount inquestion or reganling disputed amounts thal include anycheck orotherpayment orotherfeesrelated tothatamount. instrument marked "payment infulForsimilarlarn:uage, mustbesentto: anyinterest 3000 Kellway Drive,Suite 120 Carrollion, IX/S006. " While youdono1have topaythearnount inquestion, youareresponsibleN NOflJSEIHEENCLOSED REMI“1ANCE ENVEl.0PE, lortheremainder ofyourbalance' - Wemayaccept payment senttoanyotheraddress without losing anyof " Wecanapply anyunpaid amount against yourcreditlimit. ourrights. Rights It You AreDissatisfiedWithYour Credit Card Purchases - No payment shall operate asanaccord and satisfaction without prior Your wrillen approval. IIyouaredissatisfied wilhtheg(××js orservices thatyouhave purchased withyourcreditcard,andyouhavetriedingoodfaithtocorrect the CUSTOMER SERVICE. Visitcomenity.net/bis orcall1-856-269-1622 (My problem withthemerchant, youmayhave therightnottopaytheremaining BJ's Perks Mastercard) orI-844-2/l-2635(MyBJ'sPerks World amount dueonthepurchase. Mastercard) (TDDr Y1-888-819-1918). Tousethisright,allofthefollowing mustbetrue: TELEPHONE MONITORING. loprovide youwilhhigh-quality service,phone communication withusismonitored and/or recorded. t. Thepurchase musthave beenmade inyourhome stateorwithin100 ADDITIONAL INFORMATION. The when mileso1yourcurrent mailing andthepurchase address, pricemusthave following designations, a ppearing been more than$60.(Note: Neither ofthese isnecessary ifyourpurchase onthefront ofyourstatement, mean thefollowing: Vmeans variable rate wasbased onanadvertisement wemailed toyou,orif weownthecompany (1his ratemayvary); WVlNTPAY RQmeans WAIVE INTERESI, PAYMENI Ihalsoldyouthegoods orservices.) REQUIRED: WVINIEQPYmeans WAlVE INIEREST, EQUAL PAYMENI; WV INTLOW PMT means WAlVE INTEREST, LOW PAYMENT; DFINTPYRQ 2.You musthave used yourcreditcardforthepurchase. Purchases made means DEFER INIEREST, PAYMENI REQlilHED; DEFINIEQPYmeans withcashadvances fromanATMorwithacheck thataccesses yourcredit DEFER INIEREST, EQllAl. PAYMENI; DFINILOW PMFmeans DEFER cardaccount donotquality. INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APR, EQUAL 3.Youmustnotyethave PAYMENT. Ifyou have a variable rate account, your p eriodic rates may vary. lullypaidlorthepurchase. YoumaypayallofyomAccounI balance atanylimewithout penally. Ifallofthecriteria above aremetandyouarestilldissatisfied withthe Send allinquiries to:CUSTOMER SERVICE, POBox183003, Columbus, OH purchase. contact usin writmg at:Comently Capital Bank POBox18262O' 43218-3003 Columbus, OH43218-2620. thesame amount as Send a ll bankruptcy notices and related correspondence to Comenity While weinvestigate, discussed above. . . rules Afterwehnish .applytothe. disputed ourinvestigahon, wewilltellyouour Capital Bank, Bankruptcy Depaitment, POBox183043, Columbus, OH decision. Atthatpoint,il wethinkyouoweanamount andyoudonotpay 43218-3043 wemayreport youasdelinquent. NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When youprovide a Yourduedateisatleast25days aftertheclose ofcach check aspayment, youauthorize useithertouseinformation Iromyour PAYING INTEREST. check t omake a one-time electronic fund transfer from your a ccountorto bilhng cycle.Wewhlnotcharge youinlemst onpurchases 11 youpayyour process thepayment asacheck transaction. When weuseinformation trom entirebalance bytheduedateeachmonth. Wewillbegin charmng mterest yourcheck tomake anelectronic fundtransfer, funds maybewithdrawn onbalance transfers andcashadvances onthetransaction date.Wewill hom your account assoon a sthe same d ay wereceive your p ayment,and begintocharge interestonnewpurchases made under aLowAPR, Equal youwillnotreceive yourcheck backfromyourlinancial institution. Payment orBudget Payment Planfromthedateofpurchase. Credit BALANCE COMPUTATION METHOD. Wecalculate inlerest separalelylor eachtypeofbalance onyouraccount using a'DailyBalance' todetermine interest charges loreachbillingperiod. Weliguretheinterest balance' chargeon youraccount byapplying theperiodic rate tothe 'daily balance" ofyour account toreachdayinthebillingcycle.logetthe'daily wetake thebeginning balance ofyouraccount eachday,addanynewpurchases, advances, feesandbalance andsubtract transfers, anypayments orcredits (treating anynetcreditbalance asazerobalance). Thisgives usthedaily balance. PAYMENTS, PayyourAccount bythepayment duedatebythetimelistedbelow. Ifwedonotreceive yourpaymentinacorrect format (outlined below)it maynotbecredited toyourAccount toruptofivedays, ormayberejected. Also,yourpayment mustreach usbythepayment cutotttimethatapplies to thepayment method youselect. Thiscardisissued byComenity Capital Bankpursuant toalicensefromMastercard International Mastercard !ncorporated. trademaik isaregistered ofMastercard Intemational incorporated. Correct Format. Correctlormattorditterentpayment methods include: orOvemight: Mailing Send a personalcheck,moneyorder,traveler'scheckorcashier's check payableinU.S.dollars,tothename andaddressshown on thisStatementinthepayment stubareacontainingyourbalance andminimum payment amount. Besuretoinclude yourpaymenI sIub,donotslapleor clipyourpayment tothestub,include youraccountnumber onyourcheck, usetheenvelopeprovided withyourStatement,sendonepayment withone paymentstubanddonotsendanycorrespondence withyourpayment. Youshouldovemight apayment 1o3000Kellway Drive, TX SuiIe120Carrollton, 75006 andtheadditional tormalrequirementsarethesame asothermailed paymentsunlessthereisadispute,inwhich caseyoufollowthePayments Marked'PaidinFulFsection above. Donotsendcashorgiftcertificates.PayByPhone: Youcancallustofffreeat I-855-269-1622 (MyBJ'sPerks or1-844-2/ Mastercard) l-263S(MyBJ'sPerks WorldMastercard) (IDD/l1Y:1-888-819-1918)tomake a payment bylelephone, whichmayinclude afee. Online: Youcanmake apayment online atcomenity.net/bis. PaymentCutoff Times.Payment cuto11 forustoreceive times/deadlines paymentsarebytheduedateonthisStatement inthepayment slubareaatthe limes: following Mailing andOvemight: By6:00pmEastern lime(El); PayByPhone:By6:00pm(EI);Online: By6:00pm(Ei). NewInformation Title(optional) FirstName MI LastName Soc.Sec.No. StreetAddress Apt.No. RR POBox City State ZipCode Foreign MapCode HomePhone WorkPhone EmailAddress FILED: BRONX COUNTY CLERK 03/18/2024 10:12 AM INDEX NO. 804499/2024E NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/18/2024 3 OF4 PAGE A-daitichal!irñ órt nt esse dåItiniTed ErdQ1 [!i Q$2PM MQîEO.¾ mobile phone number, this is a security step we've put in place on your behalf - it is safe to provide this information. Once you confirm it, we will use the mobile phone number on file with your My BJ's Perks Mastercard credit card account to send you a verification code via text message. Effective February 2, 2022. the cutoff times for payments to be credited on the same day when the payments are made over the phone and online are changing. Telephone and online Account Center payments made by 5:00 pm Eastem Time will post on the same day. Please see the information provided on the back of the first page of your statement for more details about payment cutoff times. Important Reminder: If you make a purchase with this credit card using a promotional plan. the promotional plan expiration date and payment due date may be different. This means that if you have any remaining promotional plan balance after the promotional plan expiration date, the balance and any accrued interest (if applicable), will move to your regular revolving plan on the next billing statement. How to avoid or minimize interest charges: Be sure to pay any promotional plan balance in full on plans" section of or before the plan expiration date shown in the "Details of your your statement. Please also keep an eye out for notifications of when your promotional plan(s) are nearing their expiration date-you'll see them in the red box on page 1 of your statement. If you have questions, please call us toll-free at 1-855-269-1622(TDD/TTY:1-888-819-1918).To leam more about how promotional plans work, visit comenity.com/financial-education. We're always happy to help. Affected by COVID-19? Comenity Capital 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 1-855-269-1622 (TDD/TTY: 1-888-819-1918) to discuss how we may be able to help. Account Center is available 24R for you to manage your My BJ's Perks Mastercard account online. You can make payments and view your balance. transactions and statements online. Not yet registered? Visit mybjsperks.com, enter your My BJ's Perks Mastercard 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. Protect yourself against mail and phone consumer fraud. http://about.usps.com/publications/pub281/welcome.htm FILED: BRONX COUNTY CLERK 03/18/2024 10:12 AM INDEX NO. 804499/2024E NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/18/2024 4OF4 PAGE