Preview
FILED: RENSSELAER COUNTY CLERK 04/17/2024 03:45 PM INDEX NO. EF2024-276640
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/17/2024
1OF4
PAGE
Summa of account activit Pa ment information
Ac'countno. ****-****-****-8973 Newbalance $15,462.42
Minimumpaymentdue $2,964.00
Previousbalance $15,187.64 Paymentduedate 01/17/2022
Payments 0.00
Othercredits 0.00 Late payment warning:
Purchases 0.00 Ifwedonotreceiveyourminimumpaymentby 01/17/2022youmay
Otherdebits 0.00 haveto payup toa $41.00latefee.
Feescharged 40.00 Minimumpaymentwarning:If youmakeonlytheminimum
Interestcharged 234.78 paymentforeachperiod,youwill paymorein interestandit willtake
Newbalance $15,462.42 youlongerto payoffyourbalances.Forexample:
Pastdueamount 2,588.00 If youmakenoadditional Youwill payoff Andyouwill
Creditlimit $14,000.00 chargesusingthis card thebalanceshown end up payingan
Aveilablecredit $0.00 andeachmonthyou pay: on thestatement estimatedtotal
Statement 12/22/2021 in about: of:
closingdate
Daysin billingcycle 31 Onlytheminimum payment 16years | S30050
Forinformationregardingcreditcounselingservices,
call 1-800-284-1706.
If youdonot payyourPlan760-00001balanceof $15,161.36by Feb11, 2026 anyremainingbalancewill be
assessedinterestat thestandardpurchaseAPR.
If.youretumedanitemthatwasona promotionalplanandhavequestionswith howthereturnwasappliedto your
account,pleasecall us.
Skipsigningin to payanduseComenity'sEasyPay.
It's safeandconvenient.Useyoursmartphone
cameraor code
readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted.
Details of our transactions
TRANS
___
__ DATE
_..________
__ TRANSACTION DESCRIPTION/LOCATION-----.-----------........................._..............._............................
__._________________________________..............-----.-..------
_____________ AMOUNT
Fees
12/17/2021 LATEFEE 40.00
Totalfeeschargedfor this period $40.00
Interest charged
Interestchargeon purchases $234.78
Total interestfor this period $234.78
2021totalsyearto date
Totalfeeschargedin 2021 $309.00
Totalinterestchargedin 2021 $2,250.42
interest charge calculation
YourAnnualPercentage Rate(APR)is theannualinterestrateonyouraccount.SeeBALANCECOMPUTATION METHOD
on page2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement.
TYPEOF BALANCE SUBJECT INTEREST
BALANCE APR TOINTEREST RATE CHARGE
Purchases 26.9900% 265.58 6.09
Plan760-00001LOWAPREQPY 17.9000% 15,043.04 228.69
Please
tearatperforation
above
p-
Account
sees a | number **"-****-****-8973
i:liLendingClub --
PATIENTSOLUTIONS S 2A2 $2500
994
mustreachus by 6pmET
Mailedpayments
Yes,I havemoved orupdatedmy Amount on01/17/2022.
¡ e-mailaddress- seereverse- enclosed:
$ Pleasemakecheckpayable to:
COMENITY - LENDINGCLUBPATIENT
IP P " " "P" "
| Pl lh!" I SOLUTIONS
Pleaseretumthispoltionalongwithyourpayment
to:
MICHAELWARMANJR
72 LORDHILLRD PO BOX 650965
EASTNASSAUNY12062-2131 DALLAS TX 75265-0965
I" IPIPlil"illilllillhlhi¹"hmPi"llilhhill¹"¹h¹"
FILED: RENSSELAER COUNTY CLERK 04/17/2024 03:45 PM INDEX NO. EF2024-276640
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/17/2024
......................................................------------------------------------------------.......---------------.-..--.....--.----.-----------------------------------------------------------.----..
Keep thisportion foryourrecords.
What ToDoWYouThinkYou FindAAristake OnYour Statement
Ifyouthinkthereisanermronyourslatement. wifetousat:Comenity CREDIT REPORTING.
creditbureaus.
Wemayreport
Latepayments,
information
missed
about youraccount
orotherdefaults
to
onyour
Capital BankPOBox182620. Columbus, 01143218-2620. payments,
account maybereflected inyourcreditreport.
Inyourletter,giveusthefollowing information:
" Account information: Your name andaccount number- NOTICE OFCREDIT REPORT DISPUTES Ityoubelieve theaccount
" Dollar amount: Thedollaramount ofthesuspected error. information wereported toaconsumer reporting agency is inaccurate, you
" Description off oblem· Ifyouthinkthereisancrroronyourbill, maysubmil adirectdispute toComenity Capital BankPOBox182120,
describe whatyoubelieve and
iswrong why y oubelieve it isamistake. Columbus, OH 43218-2120. Your witten dispute must provide sufficient
information toidentify theaccount andspecify whytheinformation is
Youmustcontact uswithin6Ddays aftertheerrorappeared onyour inaccurate:
statement. " Account Information: Yourname andaccount number
" Information: Your andtelephone number
Youmustnotifyusofanypotential errors inwriting. Youmaycallus,butif " Contact address
youdowearenotlrequired toinvestigate anypotential errors andyoumay Disputed information: hientity theaccount inlormation disputed aful
have topaytheamount inquestion. explam whyyoutzheve11isinaccurate
" Supporting Documentation: Ifavailable, provide acopyofthesection of
While weinvestigate whether ornolIbere hasbeen ancrror,thefollowmg thecreditreport showing theaccount information youaredisputing
aretrue:
" Wecannot trytocollecttheamount inquestion, orreport youas Wewillinvestigate thedisputed information andreport theresults toyou
delinquent onthatamount. within30days ofreceipt oftheinformation needed forourinvestigation. If
" Ihecharge inquestion mayremain myourstatement, andwemay wefindthattheaccount information wereported isinaccurate, wewill
continue tocharge you interest onthat a nmunt. But.i t we determine thal promptly provide thenecessary correction toeach consumer reporting
wemade amistake, youwillnothave topaytheamount inquestion or agency towhich wereported theinformation.
anyinterest orotherfeesrelated tothatarnount- PAYMENTS MARKED "PAID INFULL". Allwittencommunications regarding
" While youdonothavetopaythearnount inquestion, youareresponsibledisputed amounts thatinclude anycheck orotherpayment instrument
tortheremainder ofyourbalance. marked with"payment in full"orsimilar language, mustbesentto:3000
" Wecanapply anyunpaid amount against yourcreditlimit. Kellway Drive, Suite120Carrollton, TX75006.
DONOIUSETHE ENCLOSED REMirlANCE ENVEl.OPE.
Your Rights If You AreDissatisfied BVith Your Credit Card hechases - Wemayaccept payment senttoanyotheraddress withoul losinganyof
Ityouaredissatisfied withthegormis that
orservices you have p urchased ourr ights.
withyourcreditcard,andyouhavetriedingoodlaithtocorrect the - No payment shalloperate asanaccord and satisfactionwithout prior
problem withthemerchant, youmayhave therightnottopaytheremainingwittenapproval
amount dueonthepurchase. CUSTOMER SERVICE. Visitcomenity.net/lendingclubpatientsolutions or
lousethisright,allofthelollowing mustbeIrue: call1-866-954-9258 (TDDITTY 1-888-819-1918).
l. Thepurchase musthave been made inyourhome stateorwithin100 TELEPHONE MONITORING. Toprovide youwithhigh-quality service,phone
milesofyourcurrent mailing address, andthepurchase pricemusthave communication withusismonitored and/or recorded.
been more than$50.(Note- Neither ofthese isnecessary ifyourpurchase ADDITIONAL INFORMATION. Ihelollowing when
wasbased onanadvertisement wemailed toyou,orif weownthecompanyontheIrontofyour designations, appearing
thatsoldyouthegoods orservices.) statement, mean Ihelollowing: Vmeans vanable rate
(thisratemayvary); WVINTPAY RQmeans WAIVE INTEREST, PAYMENT
2.Youmuslhave used yourcreditcardlortimpurchase. Iurchases made REQUIRED: WVINTEQPYmeans WAlVE INTEREST, EQUAL PAYMENT; WV
withcashadvances fromanATM orwithacheckthataccesses yourcredit INFLOW PMT means WAiVE INIERESI, LOW PAYMENT; DFINTPYHQ
cardaccount donotquality. means DEFER IN1ERESI, PAYMENf REQillHED; DEF INTEQPYmeans
DEFER INTEREST, EQUAL PAYMENT; DFINTLOW PMT means DEFER
3.Youmustnotyethave fullypaidlorthepurchase^ INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APR, EQUAL
If allofthecriteria above aremetandyouarestilldissatisfied withthe PAYMENT. Ityouhave avariable rateaccount, yourperiodic ratesmayvary.
purchase, contact,ns in writing at:Comenity CapitalBankPOHox182620, YoumaypayallofyourAccount balanceatanytimewithout penalty.
Columbus, Off43218-2620. Send allinquiries to:CUSTOMER SERVICE, POBox183003. Columbus, OH
While weirwestigate, thesame rulesapply tothedisputed amount as 43218-3003.
discussed above. Afterwefinishourinvestigation, wewilltellyouour Send allbankruptcy notices andrelated correspondence toComenity
decision. Atthatpoint,if wethinkyouoneanamount andyoudonotpay Capital Bank. Bankruptcy Department, POBox183043. Columbus, OH
wemayreport youasdehnquent 43218-3043.
HOW TOAVOlD PAYlNG INTEREST. Your duedateisatleast25days alter NOTICE ABOUT ELECTRONIC CHECK When
CONVERSION. youprovide a
theclose ofeachbillingcycle, Wewillnotcharge youmterest onpurchasescheck aspayment, youauthorize useithertouseinformation fromyour
dyoupayyourentirebalance bytheduedatecachmonth. Wewillbegin 10 tomake aone-time electronic fundtransfer tromyouraccount orto
charge interest onnewpurchases made under aLowAPR, Equal Payment check
process thepayment asachecktransaction. When weuseinformation trom
orBudget Payment Credit Planfromthedateofpurchase. yourcheck tomake anclectronic fundtransfer, funds maybewithdrawn
BALANCE COMPUTATION METHOD. Wecalculate interest tor fromyouraccount assoon asthesame daywereceive yourpayment, and
separately
, todetermineyouwillnotreceive yourchecktackfromyourhnancial institution.
eachtypeofbalan^ce onyouraccount using a - DailyBalance'
interest charges foreachbillingperiod. Wetiguretheinterest charge on
youraccount byapplying theperiodic rate10the"dailybalance" ofyour
account foreachdayinthebillingcycle. Togetthe"dailybalance" we
takethebeginning balance ofyouraccount eachday,addanynew
pwchases andfees,andsubtract any payments orcredits (Ireating anynel
creditbalance asazerobalance). Thisgives usthedailybalance.
PAYMENTS. PayyourAccount bythepayment duedatebythetimelistedbelow.11wedonotreceive yourpaymentinacorrectformat (outlined it
below)
maynotbecredited toyourAccount foruptofivedays,ormayberejected. yourpayment
Also, mustreach usbythepayment cutofftimethatapplies
to
Ihepayment methodyouselect.
Correct
Format.Correctlormatfordillerent
payment methods include:
or0mernight·
Mailing Send apersonal check,money checkorcashier's
traveler's
order. checkpayable tothename
inU.S.dollars, andaddress shownon
thisStatement
inthepayment stubareacontainingyourbalance payment
andminirnum amount.Hesureloinclude yourpayment stub,donoIslapleor
clipyourpaymenttothestub,include youraccountnumberonyourcheck, provided
usetheenvelope withyourStatement,
sendonepayment withone
paymentstubanddormtsend anycorrespondencewithyourpayment.Youshouldovemightapayment to3000Kellway Suile120carroliton,
Drive, TX
75006 andtheadditionalformatrequirementsarethesame asothermailedpaymentsunless
thereisadispute,inwhich caseyoulollowthePayments
Marked"PaidInFull"section above. PayByPhone:
Donotsendcashorgiftcertificates. Youcancallustollfreeat 1-866-954-9258 (TDD/TTY
1-888-819-1918)tomake a payment whichmayinclude
bytelephone, Youcanmake
afee.Ordine: a payment onlineat
comenity.net/lendingclubpatientsolutions.
PaymentCutoffTimes.Payment culolllimes/deadlines
lorustoreceivepaymentsarebytheduedaleonthisSlalement inthepayment stubareaatthe
times:
following Mailing and0uernight:By6dX)pmEastem lime(E1);PayByPhone:By6:00pm(ET); Hy64X)pm(EI).
Online:
NewInformation
Title(optional) FirstName MI
LastName Soc.Sec.No.
StreetAddress
Apt.No. RR POBox
City State_ ZipCode Foreign
MapCode
HomePhone WorkPhone
EmailAddress
FILED: RENSSELAER COUNTY CLERK 04/17/2024 03:45 PM INDEX NO. EF2024-276640
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/17/2024
____.....-------------------------_________________________________________________________________________
___________________________________________________.........._
__
PAGE3 OF4
Details of your plans
Ci01-00001 Purchases
ORIGINAL ORIGINAL PREVIOUS TOTAL
PURCHASEPURCHASE PLAN PLAN PURCHASESPAYMENTS NEWPLAN PLAN ACCRUED
AMOUNT DATE EXPIRES BALANCE&CHARGES &CREDITS BALANCE MINIMUM INTEREST
N/A N/A NONE 254.97 46.09 0.00 301.06 12.00 0.00
760-00001 in full by 02/11/2026to avoidpayinginterestChargesat the
| Youmustpayyourplanbalanceof $15,161.36
| higherpurchaseAPRnotedabove.
ORIGINAL ORIGINAL PREVIOUS TOTAL
PURCHASEPURCHASE PLAN PLAN PURCHASESPAYMENTS NEW PLAN PLAN ACCRUED
AMOUNT DATE EXPIRES BALANCE&CHARGES &CREDITS BALANCE MINIMUM INTEREST
$14,000.00 02/05/2021 02/11/2026 14,932.67 228.69 0.00 15.161.36 364.00 0.00
Additional important messages
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 your statement.
or before the plan expiration date shown in the "Details of your 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 1-866-954-9258(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.
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 1-888-819-1918)and we will find a suitable payment before the end of this month. If written off,
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 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 1-866-954-9258(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 LENDING CLUB PATIENT
SOLUTIONS account online. You can make payments and view your balance, transactions and
statements online. Not yet registered? Visit comenity-net/lendingclubpatientsolutions, enter your
LENDING CLUB PATIENT SOLUTIONS credit card account number and ZIP code, then verify your
identity.
(CONTlNUED)
FILED: RENSSELAER COUNTY CLERK 04/17/2024 03:45 PM INDEX NO. EF2024-276640
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/17/2024
4OF4
PAGE
Additional important messages - continued
We're looklIg 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 $41.00 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
Preview
FILED: RENSSELAER COUNTY CLERK 04/17/2024 03:45 PM INDEX NO. EF2024-276640 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/17/2024 1OF4 PAGE Summa of account activit Pa ment information Ac'countno. ****-****-****-8973 Newbalance $15,462.42 Minimumpaymentdue $2,964.00 Previousbalance $15,187.64 Paymentduedate 01/17/2022 Payments 0.00 Othercredits 0.00 Late payment warning: Purchases 0.00 Ifwedonotreceiveyourminimumpaymentby 01/17/2022youmay Otherdebits 0.00 haveto payup toa $41.00latefee. Feescharged 40.00 Minimumpaymentwarning:If youmakeonlytheminimum Interestcharged 234.78 paymentforeachperiod,youwill paymorein interestandit willtake Newbalance $15,462.42 youlongerto payoffyourbalances.Forexample: Pastdueamount 2,588.00 If youmakenoadditional Youwill payoff Andyouwill Creditlimit $14,000.00 chargesusingthis card thebalanceshown end up payingan Aveilablecredit $0.00 andeachmonthyou pay: on thestatement estimatedtotal Statement 12/22/2021 in about: of: closingdate Daysin billingcycle 31 Onlytheminimum payment 16years | S30050 Forinformationregardingcreditcounselingservices, call 1-800-284-1706. If youdonot payyourPlan760-00001balanceof $15,161.36by Feb11, 2026 anyremainingbalancewill be assessedinterestat thestandardpurchaseAPR. If.youretumedanitemthatwasona promotionalplanandhavequestionswith howthereturnwasappliedto your account,pleasecall us. Skipsigningin to payanduseComenity'sEasyPay. It's safeandconvenient.Useyoursmartphone cameraor code readerto scantheQRcodeprintedonyourpaymentstubbelowto getstarted. Details of our transactions TRANS ___ __ DATE _..________ __ TRANSACTION DESCRIPTION/LOCATION-----.-----------........................._..............._............................ __._________________________________..............-----.-..------ _____________ AMOUNT Fees 12/17/2021 LATEFEE 40.00 Totalfeeschargedfor this period $40.00 Interest charged Interestchargeon purchases $234.78 Total interestfor this period $234.78 2021totalsyearto date Totalfeeschargedin 2021 $309.00 Totalinterestchargedin 2021 $2,250.42 interest charge calculation YourAnnualPercentage Rate(APR)is theannualinterestrateonyouraccount.SeeBALANCECOMPUTATION METHOD on page2 for moredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement. TYPEOF BALANCE SUBJECT INTEREST BALANCE APR TOINTEREST RATE CHARGE Purchases 26.9900% 265.58 6.09 Plan760-00001LOWAPREQPY 17.9000% 15,043.04 228.69 Please tearatperforation above p- Account sees a | number **"-****-****-8973 i:liLendingClub -- PATIENTSOLUTIONS S 2A2 $2500 994 mustreachus by 6pmET Mailedpayments Yes,I havemoved orupdatedmy Amount on01/17/2022. ¡ e-mailaddress- seereverse- enclosed: $ Pleasemakecheckpayable to: COMENITY - LENDINGCLUBPATIENT IP P " " "P" " | Pl lh!" I SOLUTIONS Pleaseretumthispoltionalongwithyourpayment to: MICHAELWARMANJR 72 LORDHILLRD PO BOX 650965 EASTNASSAUNY12062-2131 DALLAS TX 75265-0965 I" IPIPlil"illilllillhlhi¹"hmPi"llilhhill¹"¹h¹" FILED: RENSSELAER COUNTY CLERK 04/17/2024 03:45 PM INDEX NO. EF2024-276640 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/17/2024 ......................................................------------------------------------------------.......---------------.-..--.....--.----.-----------------------------------------------------------.----.. Keep thisportion foryourrecords. What ToDoWYouThinkYou FindAAristake OnYour Statement Ifyouthinkthereisanermronyourslatement. wifetousat:Comenity CREDIT REPORTING. creditbureaus. Wemayreport Latepayments, information missed about youraccount orotherdefaults to onyour Capital BankPOBox182620. Columbus, 01143218-2620. payments, account maybereflected inyourcreditreport. Inyourletter,giveusthefollowing information: " Account information: Your name andaccount number- NOTICE OFCREDIT REPORT DISPUTES Ityoubelieve theaccount " Dollar amount: Thedollaramount ofthesuspected error. information wereported toaconsumer reporting agency is inaccurate, you " Description off oblem· Ifyouthinkthereisancrroronyourbill, maysubmil adirectdispute toComenity Capital BankPOBox182120, describe whatyoubelieve and iswrong why y oubelieve it isamistake. Columbus, OH 43218-2120. Your witten dispute must provide sufficient information toidentify theaccount andspecify whytheinformation is Youmustcontact uswithin6Ddays aftertheerrorappeared onyour inaccurate: statement. " Account Information: Yourname andaccount number " Information: Your andtelephone number Youmustnotifyusofanypotential errors inwriting. Youmaycallus,butif " Contact address youdowearenotlrequired toinvestigate anypotential errors andyoumay Disputed information: hientity theaccount inlormation disputed aful have topaytheamount inquestion. explam whyyoutzheve11isinaccurate " Supporting Documentation: Ifavailable, provide acopyofthesection of While weinvestigate whether ornolIbere hasbeen ancrror,thefollowmg thecreditreport showing theaccount information youaredisputing aretrue: " Wecannot trytocollecttheamount inquestion, orreport youas Wewillinvestigate thedisputed information andreport theresults toyou delinquent onthatamount. within30days ofreceipt oftheinformation needed forourinvestigation. If " Ihecharge inquestion mayremain myourstatement, andwemay wefindthattheaccount information wereported isinaccurate, wewill continue tocharge you interest onthat a nmunt. But.i t we determine thal promptly provide thenecessary correction toeach consumer reporting wemade amistake, youwillnothave topaytheamount inquestion or agency towhich wereported theinformation. anyinterest orotherfeesrelated tothatarnount- PAYMENTS MARKED "PAID INFULL". Allwittencommunications regarding " While youdonothavetopaythearnount inquestion, youareresponsibledisputed amounts thatinclude anycheck orotherpayment instrument tortheremainder ofyourbalance. marked with"payment in full"orsimilar language, mustbesentto:3000 " Wecanapply anyunpaid amount against yourcreditlimit. Kellway Drive, Suite120Carrollton, TX75006. DONOIUSETHE ENCLOSED REMirlANCE ENVEl.OPE. Your Rights If You AreDissatisfied BVith Your Credit Card hechases - Wemayaccept payment senttoanyotheraddress withoul losinganyof Ityouaredissatisfied withthegormis that orservices you have p urchased ourr ights. withyourcreditcard,andyouhavetriedingoodlaithtocorrect the - No payment shalloperate asanaccord and satisfactionwithout prior problem withthemerchant, youmayhave therightnottopaytheremainingwittenapproval amount dueonthepurchase. CUSTOMER SERVICE. Visitcomenity.net/lendingclubpatientsolutions or lousethisright,allofthelollowing mustbeIrue: call1-866-954-9258 (TDDITTY 1-888-819-1918). l. Thepurchase musthave been made inyourhome stateorwithin100 TELEPHONE MONITORING. Toprovide youwithhigh-quality service,phone milesofyourcurrent mailing address, andthepurchase pricemusthave communication withusismonitored and/or recorded. been more than$50.(Note- Neither ofthese isnecessary ifyourpurchase ADDITIONAL INFORMATION. Ihelollowing when wasbased onanadvertisement wemailed toyou,orif weownthecompanyontheIrontofyour designations, appearing thatsoldyouthegoods orservices.) statement, mean Ihelollowing: Vmeans vanable rate (thisratemayvary); WVINTPAY RQmeans WAIVE INTEREST, PAYMENT 2.Youmuslhave used yourcreditcardlortimpurchase. Iurchases made REQUIRED: WVINTEQPYmeans WAlVE INTEREST, EQUAL PAYMENT; WV withcashadvances fromanATM orwithacheckthataccesses yourcredit INFLOW PMT means WAiVE INIERESI, LOW PAYMENT; DFINTPYHQ cardaccount donotquality. means DEFER IN1ERESI, PAYMENf REQillHED; DEF INTEQPYmeans DEFER INTEREST, EQUAL PAYMENT; DFINTLOW PMT means DEFER 3.Youmustnotyethave fullypaidlorthepurchase^ INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APR, EQUAL If allofthecriteria above aremetandyouarestilldissatisfied withthe PAYMENT. Ityouhave avariable rateaccount, yourperiodic ratesmayvary. purchase, contact,ns in writing at:Comenity CapitalBankPOHox182620, YoumaypayallofyourAccount balanceatanytimewithout penalty. Columbus, Off43218-2620. Send allinquiries to:CUSTOMER SERVICE, POBox183003. Columbus, OH While weirwestigate, thesame rulesapply tothedisputed amount as 43218-3003. discussed above. Afterwefinishourinvestigation, wewilltellyouour Send allbankruptcy notices andrelated correspondence toComenity decision. Atthatpoint,if wethinkyouoneanamount andyoudonotpay Capital Bank. Bankruptcy Department, POBox183043. Columbus, OH wemayreport youasdehnquent 43218-3043. HOW TOAVOlD PAYlNG INTEREST. Your duedateisatleast25days alter NOTICE ABOUT ELECTRONIC CHECK When CONVERSION. youprovide a theclose ofeachbillingcycle, Wewillnotcharge youmterest onpurchasescheck aspayment, youauthorize useithertouseinformation fromyour dyoupayyourentirebalance bytheduedatecachmonth. Wewillbegin 10 tomake aone-time electronic fundtransfer tromyouraccount orto charge interest onnewpurchases made under aLowAPR, Equal Payment check process thepayment asachecktransaction. When weuseinformation trom orBudget Payment Credit Planfromthedateofpurchase. yourcheck tomake anclectronic fundtransfer, funds maybewithdrawn BALANCE COMPUTATION METHOD. Wecalculate interest tor fromyouraccount assoon asthesame daywereceive yourpayment, and separately , todetermineyouwillnotreceive yourchecktackfromyourhnancial institution. eachtypeofbalan^ce onyouraccount using a - DailyBalance' interest charges foreachbillingperiod. Wetiguretheinterest charge on youraccount byapplying theperiodic rate10the"dailybalance" ofyour account foreachdayinthebillingcycle. Togetthe"dailybalance" we takethebeginning balance ofyouraccount eachday,addanynew pwchases andfees,andsubtract any payments orcredits (Ireating anynel creditbalance asazerobalance). Thisgives usthedailybalance. PAYMENTS. PayyourAccount bythepayment duedatebythetimelistedbelow.11wedonotreceive yourpaymentinacorrectformat (outlined it below) maynotbecredited toyourAccount foruptofivedays,ormayberejected. yourpayment Also, mustreach usbythepayment cutofftimethatapplies to Ihepayment methodyouselect. Correct Format.Correctlormatfordillerent payment methods include: or0mernight· Mailing Send apersonal check,money checkorcashier's traveler's order. checkpayable tothename inU.S.dollars, andaddress shownon thisStatement inthepayment stubareacontainingyourbalance payment andminirnum amount.Hesureloinclude yourpayment stub,donoIslapleor clipyourpaymenttothestub,include youraccountnumberonyourcheck, provided usetheenvelope withyourStatement, sendonepayment withone paymentstubanddormtsend anycorrespondencewithyourpayment.Youshouldovemightapayment to3000Kellway Suile120carroliton, Drive, TX 75006 andtheadditionalformatrequirementsarethesame asothermailedpaymentsunless thereisadispute,inwhich caseyoulollowthePayments Marked"PaidInFull"section above. PayByPhone: Donotsendcashorgiftcertificates. Youcancallustollfreeat 1-866-954-9258 (TDD/TTY 1-888-819-1918)tomake a payment whichmayinclude bytelephone, Youcanmake afee.Ordine: a payment onlineat comenity.net/lendingclubpatientsolutions. PaymentCutoffTimes.Payment culolllimes/deadlines lorustoreceivepaymentsarebytheduedaleonthisSlalement inthepayment stubareaatthe times: following Mailing and0uernight:By6dX)pmEastem lime(E1);PayByPhone:By6:00pm(ET); Hy64X)pm(EI). Online: NewInformation Title(optional) FirstName MI LastName Soc.Sec.No. StreetAddress Apt.No. RR POBox City State_ ZipCode Foreign MapCode HomePhone WorkPhone EmailAddress FILED: RENSSELAER COUNTY CLERK 04/17/2024 03:45 PM INDEX NO. EF2024-276640 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/17/2024 ____.....-------------------------_________________________________________________________________________ ___________________________________________________.........._ __ PAGE3 OF4 Details of your plans Ci01-00001 Purchases ORIGINAL ORIGINAL PREVIOUS TOTAL PURCHASEPURCHASE PLAN PLAN PURCHASESPAYMENTS NEWPLAN PLAN ACCRUED AMOUNT DATE EXPIRES BALANCE&CHARGES &CREDITS BALANCE MINIMUM INTEREST N/A N/A NONE 254.97 46.09 0.00 301.06 12.00 0.00 760-00001 in full by 02/11/2026to avoidpayinginterestChargesat the | Youmustpayyourplanbalanceof $15,161.36 | higherpurchaseAPRnotedabove. ORIGINAL ORIGINAL PREVIOUS TOTAL PURCHASEPURCHASE PLAN PLAN PURCHASESPAYMENTS NEW PLAN PLAN ACCRUED AMOUNT DATE EXPIRES BALANCE&CHARGES &CREDITS BALANCE MINIMUM INTEREST $14,000.00 02/05/2021 02/11/2026 14,932.67 228.69 0.00 15.161.36 364.00 0.00 Additional important messages 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 your statement. or before the plan expiration date shown in the "Details of your 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 1-866-954-9258(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. 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 1-888-819-1918)and we will find a suitable payment before the end of this month. If written off, 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 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 1-866-954-9258(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 LENDING CLUB PATIENT SOLUTIONS account online. You can make payments and view your balance, transactions and statements online. Not yet registered? Visit comenity-net/lendingclubpatientsolutions, enter your LENDING CLUB PATIENT SOLUTIONS credit card account number and ZIP code, then verify your identity. (CONTlNUED) FILED: RENSSELAER COUNTY CLERK 04/17/2024 03:45 PM INDEX NO. EF2024-276640 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/17/2024 4OF4 PAGE Additional important messages - continued We're looklIg 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 $41.00 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