Preview
D: OUN PK O6 O6 NDB? NY }613923/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 06/06/2024
PAGE
1 OF 4
Account no. HA OA] New balance $2,437.92
Minimum payment due $2,037.00
Previous balance $2,351.34 Payment due date 03/28/2022
Payments 0.00
Other credits 0.00 Late payment warning:
Purchases 0.00 lf we do not receive your minimum payment by 03/28/2022 you may
Other debits 0.00 have to pay up to a $41.00 late fee.
Fees charged 41.00 Minimum payment warning: If you make only the minimum
Interest charged 45.58 payment for each period, you will pay more in interest and it will take
New balance $2,437.92 you longer to pay off your balances. For example:
Past due amount 1,952.00 If you make no additional You will pay off ‘And you will
Credit limit $2,220.00 charges using this card the balance shown end up paying an
Available credit $0.00 and each month you pay: on the statement estimated total
Statement closing date 03/02/2022 in about: of:
Days in billing cycle 28 Only the minimum payment 9 years $5104
For information regarding credit counseling services,
call 1-800-284-1706.
Skip signing in to pay and use Comenity's EasyPay, It’s safe and convenient. Use your smartphone camera or code
reader to scan the QR code printed on your payment stub below to get started,
ES TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
Fees
02/28/2022 LATE FEE 41.00
Total fees charged for this period $41.00
Interest charged
Interest charge on purchases $45.58
Total interest for this period $45.58
2022 totals year to date
Total fees charged in 2022 $122.00
Total interest charged in 2022 $55.43
i[oh CTR eked tre Une [ees UCP Ucea)
Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD
on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR. TO INTEREST RATE. CHARGE
Purchases 24.9900% (v) 2,377.60 45.58
PaXeoli (eYez MUL xe) Lae esiseee (eas)
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)
wee eee eee eee eee e en NOTICE:
NOTICE: §See reverse sid fe= forfor important
important information,
information.
Please perforation above
Account
eee snes e888 0944
RII
number
. New balance Minimum payment
$2,437.92 $2,037.00
994
Mailed payments must reach us by 6pm ET
LI Yes, | have moved or updated my
e-mail address - see reverse.
Amount
enclosed:
on 03/28/2022,
$ Please make check payable to:
eee eel [elfpely COMENITY - RESTORATION HARDWARE
PETER J DITALIA
Please return this portion along with your payment to:
7 OCEAN VIEW P PO BOX 650018
SOUTHAMPTON NY 11968-5507 DALLAS TX 75265-0018
EL eat eT male]
g0910100e goooo4bo8 ss go0e03700 000243792
OUN PK NDE? NY }613923/2024
D: O6 O6
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 06/06/2024
Keep this portion for your records. CREDIT REPORTING. We may report information about your account to
What To Do If You Think You Find A Mistake On Your Statement credit bureaus, Late payments, missed payments, or other defaults on your
If you think there is an error on your statement, write to us at: Comenity account may be reflected in your credit report.
Bank PO Box 182782, Columbus, OH 43218-2782. NOTICE OF CREDIT REPORT DISPUTES
In your letter, give us the following information: If you believe the account information we reported to a consumer reporting
© Account information: Your name and account number. agency is inaccurate, you may submit a direct dispute to Comenity Bank PO
* Dollar amount: The dollar amount ol the suspected error, Box 182789, Columbus, OH 43218-2789,
* Description of Problem: If you think there is an erroron your bill, Your written dispute must provide sufficient information to identify the
describe what you believe is wrong and why you believe it is a mistake. account and specify why the information is inaccurate:
* Account Information: Your name and account number
You must contact us within 60 days after the error appeared on your © Contact Information: Your address and telephone number
stalement. * Disputed Information: Identify the account information disputed and
You must nolify us of any potential errors in writing. You may call us, but if explain why you believe it is inaccurate
you do we ate not required to investigate any potential errors and you may * Supporting Documentation: If available, provide a copy of the section of
have to pay the amount in question. the credit report showing the account information you are disputing
While we investigate whetheror not there has been an error, the following, We will investigate the disputed information and report the results to you
ale irue: within 30 days of receipt of the information needed for our investigation. If
: We cannot try to collect the amount in question, or report you as we find that the account information we reported is inaccurate, we will
delinquent on thal amount, promptly provide the necessary correction to each consumer reporting,
The charge in question may remain on your statement, and we may agency to which we reported the information.
continue to charge you interest on thal amount, But, if we determine that PAYMENTS MARKED "PAID IN FULL". All written communications regarding
we made @ mistake, you will not have to pay the amount in question or disputed amounts that include any check or other payment instrument
any interest or other lees related to that amount. marked with “payment in full” or similar language, must be sent to: 3000
While you do not have to pay the amount in question, you are responsible Kellway Drive, Suite 120 Carrollton, TX 75t
for the remainderof your balance. DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
. We can apply any unpaid amount against your credit limit. - We may accept payment sent to any other address without losing any of
our rights.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases - No payment shall operate as an accord and satisfaction without prior
I you are dissatisfied with the goods or services that you have purchased written approval.
with your credit card, and you have tried in good faith to correct the CUSTOMER SERVICE. Vi 01 -neUrestorationhardware or call
problem with the merchant, you may have the right not to pay the remaining, 1-866-522-8014 (TDD/TTY 1-* 200-6 95-1788).
amount due on the purchase.
TELEPHONE MONITORING. To provide you with high-quality service, phone
To use this right, all of the following must be true: communication with us is monitored and/or recorded.
1. The purchase must have been made in your home stale or within 100 ADDITIONAL INFORMATION. The following designations, when appearing
miles of your current mailing address, and the purchase price must have on the front of your statement, mean the following: V means variable rate
been more than $40. (Note: Neither of these is necessary if your purchase (this rate may vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT
was based on an advertisement we mailed to you, or if we own the company REQUIRED; W INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV
that sold you the goods or services.) INT LOW PMT means WAIVE INTEREST, LOW PAYMI li P a
2. You must have used your credit card for the purchase. Purchases made means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means
with cash advances from an ATM or with a check thal accesses your credit DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
card account do nol qualify. INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL
PAYMENT. If you have a variable rate account, your periodic rates may vary.
3. You must not yet have fully paid for the purchase. You may pay all of your Account balance al any lime without penalty,
If all of the criteria above are met and you are still dissatisfied with the Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus, OH
purchase, contact us in writingat: Comenity Bank PO Box 182782, 43218-
Columbus, O 43218-2782 Send all bankruptcy notices and related correspondence to Comenity Bank,
While we investigate, the same rules apply to the disputed amount as Bankruptcy Department, PO Box 182125, Columbus, OH 43218-2125.
discussed above. Afler we finish our investigation, we will tell you our NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
decision. At that point, if we think you owe an amount and you do not pay check as payment, you authorize us either to use information from your
‘we may report you as delinquent. check lo make a one-time electronic fund transter from your account or to
HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days alter process the payment as a check transaction. When we use information from
the close of each billing cycle. We will not charge you interest on purchases your check fo make an electronic fund transter, funds may be withdrawn
if you pay your entire balance by the due date each month. We will begin to from your account as soon as the same day we receive your payment, and
charge interest on new purchases made under 2 Low APR, Equal Payment you will not receive your check back from your financial institution.
or Budge! Payment Credit Plan from the date of purchase
BALANCE COMPUTATION METHOD. We calculate interest separately for
each type of balance on your account using a “Daily Balance” to determine
interest charges for each billing period. We figure the interest charge on
your account by applying the periodic rate to the “daily balance” of your
account for each day in the billing cycle, To get the “daily balance” we
take the beginning balance of your account each day, add any new
purchases and fees, and subtract any payments or credits (treating any net
credit balance as a zero balance). This gives us the daily balance.
PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do nol receive your payment in a correct formal (outlined below) it
may nol be credited to your Account for up lo five days, of may be rejected. Also, your payment must reacti us by the payment cutoff time thal applies to
‘the payment method you select.
Correct Format. Correct format for different payment methods include:
Mailing or Overnight: Send a personal check, money order, traveler's check or cashier's check payable in U.S. dollars, to the name and address shown on
this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or
clip your payment to the stub, include your account numberon your check, use the envelope provided with your Statement, send one payment with one
Payment stub and do not send any correspondence with your payment. You should overnight a payment to 3000 Kellway Drive, Suite 120 Carrollton, TX
75006 and the additional format requirements are the same as other mailed payments unless there is a dispute, in which case you follow the Payments
Marked 'Paid In Full’ section above. Do not send cash or gift cerlificates. Pay By Phon ‘ou can call us toll free al 1-866-522- Y
1-800-695-1788) to make @ payment by lelephone, which may include a fee, Online: You can make a payment online at comeni -neUrestorationhardware.
Payment Cutoff Times. Payment cutolf times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the
following times: Mailing and Overnight: By 6:00 pm Faster Time (ET); Pay By Phone: By 5:00 pm (ET); Online: By 6:00 pm (ET).
New Information
Title (optional) First Name MI
Last Name Soc. Sec. No.
Street Address
Apt. No. RR PO Box
City State Zip Code Foreign Map Code
Home Phone Work Phone
Email Address
D: U O OUN PK O6 O6 NDB? NQy)O13923/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 06/06/2024
PAGE
3 OF 4
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
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.
Consumers are entitled to one free credit report per year. To request yours call 1-877-322-8228 or visit
annualcreditreport.com
g0910100e gooo4b04 ss go0e03700 000243792
OUN PK }613923/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 06/06/2024
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4 OF 4
Preview
D: OUN PK O6 O6 NDB? NY }613923/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 06/06/2024 PAGE 1 OF 4 Account no. HA OA] New balance $2,437.92 Minimum payment due $2,037.00 Previous balance $2,351.34 Payment due date 03/28/2022 Payments 0.00 Other credits 0.00 Late payment warning: Purchases 0.00 lf we do not receive your minimum payment by 03/28/2022 you may Other debits 0.00 have to pay up to a $41.00 late fee. Fees charged 41.00 Minimum payment warning: If you make only the minimum Interest charged 45.58 payment for each period, you will pay more in interest and it will take New balance $2,437.92 you longer to pay off your balances. For example: Past due amount 1,952.00 If you make no additional You will pay off ‘And you will Credit limit $2,220.00 charges using this card the balance shown end up paying an Available credit $0.00 and each month you pay: on the statement estimated total Statement closing date 03/02/2022 in about: of: Days in billing cycle 28 Only the minimum payment 9 years $5104 For information regarding credit counseling services, call 1-800-284-1706. Skip signing in to pay and use Comenity's EasyPay, It’s safe and convenient. Use your smartphone camera or code reader to scan the QR code printed on your payment stub below to get started, ES TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT Fees 02/28/2022 LATE FEE 41.00 Total fees charged for this period $41.00 Interest charged Interest charge on purchases $45.58 Total interest for this period $45.58 2022 totals year to date Total fees charged in 2022 $122.00 Total interest charged in 2022 $55.43 i[oh CTR eked tre Une [ees UCP Ucea) Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement. TYPE OF BALANCE SUBJECT INTEREST BALANCE APR. TO INTEREST RATE. CHARGE Purchases 24.9900% (v) 2,377.60 45.58 PaXeoli (eYez MUL xe) Lae esiseee (eas) 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) wee eee eee eee eee e en NOTICE: NOTICE: §See reverse sid fe= forfor important important information, information. Please perforation above Account eee snes e888 0944 RII number . New balance Minimum payment $2,437.92 $2,037.00 994 Mailed payments must reach us by 6pm ET LI Yes, | have moved or updated my e-mail address - see reverse. Amount enclosed: on 03/28/2022, $ Please make check payable to: eee eel [elfpely COMENITY - RESTORATION HARDWARE PETER J DITALIA Please return this portion along with your payment to: 7 OCEAN VIEW P PO BOX 650018 SOUTHAMPTON NY 11968-5507 DALLAS TX 75265-0018 EL eat eT male] g0910100e goooo4bo8 ss go0e03700 000243792 OUN PK NDE? NY }613923/2024 D: O6 O6 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 06/06/2024 Keep this portion for your records. CREDIT REPORTING. We may report information about your account to What To Do If You Think You Find A Mistake On Your Statement credit bureaus, Late payments, missed payments, or other defaults on your If you think there is an error on your statement, write to us at: Comenity account may be reflected in your credit report. Bank PO Box 182782, Columbus, OH 43218-2782. NOTICE OF CREDIT REPORT DISPUTES In your letter, give us the following information: If you believe the account information we reported to a consumer reporting © Account information: Your name and account number. agency is inaccurate, you may submit a direct dispute to Comenity Bank PO * Dollar amount: The dollar amount ol the suspected error, Box 182789, Columbus, OH 43218-2789, * Description of Problem: If you think there is an erroron your bill, Your written dispute must provide sufficient information to identify the describe what you believe is wrong and why you believe it is a mistake. account and specify why the information is inaccurate: * Account Information: Your name and account number You must contact us within 60 days after the error appeared on your © Contact Information: Your address and telephone number stalement. * Disputed Information: Identify the account information disputed and You must nolify us of any potential errors in writing. You may call us, but if explain why you believe it is inaccurate you do we ate not required to investigate any potential errors and you may * Supporting Documentation: If available, provide a copy of the section of have to pay the amount in question. the credit report showing the account information you are disputing While we investigate whetheror not there has been an error, the following, We will investigate the disputed information and report the results to you ale irue: within 30 days of receipt of the information needed for our investigation. If : We cannot try to collect the amount in question, or report you as we find that the account information we reported is inaccurate, we will delinquent on thal amount, promptly provide the necessary correction to each consumer reporting, The charge in question may remain on your statement, and we may agency to which we reported the information. continue to charge you interest on thal amount, But, if we determine that PAYMENTS MARKED "PAID IN FULL". All written communications regarding we made @ mistake, you will not have to pay the amount in question or disputed amounts that include any check or other payment instrument any interest or other lees related to that amount. marked with “payment in full” or similar language, must be sent to: 3000 While you do not have to pay the amount in question, you are responsible Kellway Drive, Suite 120 Carrollton, TX 75t for the remainderof your balance. DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE. . We can apply any unpaid amount against your credit limit. - We may accept payment sent to any other address without losing any of our rights. Your Rights If You Are Dissatisfied With Your Credit Card Purchases - No payment shall operate as an accord and satisfaction without prior I you are dissatisfied with the goods or services that you have purchased written approval. with your credit card, and you have tried in good faith to correct the CUSTOMER SERVICE. Vi 01 -neUrestorationhardware or call problem with the merchant, you may have the right not to pay the remaining, 1-866-522-8014 (TDD/TTY 1-* 200-6 95-1788). amount due on the purchase. TELEPHONE MONITORING. To provide you with high-quality service, phone To use this right, all of the following must be true: communication with us is monitored and/or recorded. 1. The purchase must have been made in your home stale or within 100 ADDITIONAL INFORMATION. The following designations, when appearing miles of your current mailing address, and the purchase price must have on the front of your statement, mean the following: V means variable rate been more than $40. (Note: Neither of these is necessary if your purchase (this rate may vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT was based on an advertisement we mailed to you, or if we own the company REQUIRED; W INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV that sold you the goods or services.) INT LOW PMT means WAIVE INTEREST, LOW PAYMI li P a 2. You must have used your credit card for the purchase. Purchases made means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means with cash advances from an ATM or with a check thal accesses your credit DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER card account do nol qualify. INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. If you have a variable rate account, your periodic rates may vary. 3. You must not yet have fully paid for the purchase. You may pay all of your Account balance al any lime without penalty, If all of the criteria above are met and you are still dissatisfied with the Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus, OH purchase, contact us in writingat: Comenity Bank PO Box 182782, 43218- Columbus, O 43218-2782 Send all bankruptcy notices and related correspondence to Comenity Bank, While we investigate, the same rules apply to the disputed amount as Bankruptcy Department, PO Box 182125, Columbus, OH 43218-2125. discussed above. Afler we finish our investigation, we will tell you our NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a decision. At that point, if we think you owe an amount and you do not pay check as payment, you authorize us either to use information from your ‘we may report you as delinquent. check lo make a one-time electronic fund transter from your account or to HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days alter process the payment as a check transaction. When we use information from the close of each billing cycle. We will not charge you interest on purchases your check fo make an electronic fund transter, funds may be withdrawn if you pay your entire balance by the due date each month. We will begin to from your account as soon as the same day we receive your payment, and charge interest on new purchases made under 2 Low APR, Equal Payment you will not receive your check back from your financial institution. or Budge! Payment Credit Plan from the date of purchase BALANCE COMPUTATION METHOD. We calculate interest separately for each type of balance on your account using a “Daily Balance” to determine interest charges for each billing period. We figure the interest charge on your account by applying the periodic rate to the “daily balance” of your account for each day in the billing cycle, To get the “daily balance” we take the beginning balance of your account each day, add any new purchases and fees, and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do nol receive your payment in a correct formal (outlined below) it may nol be credited to your Account for up lo five days, of may be rejected. Also, your payment must reacti us by the payment cutoff time thal applies to ‘the payment method you select. Correct Format. Correct format for different payment methods include: Mailing or Overnight: Send a personal check, money order, traveler's check or cashier's check payable in U.S. dollars, to the name and address shown on this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or clip your payment to the stub, include your account numberon your check, use the envelope provided with your Statement, send one payment with one Payment stub and do not send any correspondence with your payment. You should overnight a payment to 3000 Kellway Drive, Suite 120 Carrollton, TX 75006 and the additional format requirements are the same as other mailed payments unless there is a dispute, in which case you follow the Payments Marked 'Paid In Full’ section above. Do not send cash or gift cerlificates. Pay By Phon ‘ou can call us toll free al 1-866-522- Y 1-800-695-1788) to make @ payment by lelephone, which may include a fee, Online: You can make a payment online at comeni -neUrestorationhardware. Payment Cutoff Times. Payment cutolf times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the following times: Mailing and Overnight: By 6:00 pm Faster Time (ET); Pay By Phone: By 5:00 pm (ET); Online: By 6:00 pm (ET). New Information Title (optional) First Name MI Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box City State Zip Code Foreign Map Code Home Phone Work Phone Email Address D: U O OUN PK O6 O6 NDB? NQy)O13923/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 06/06/2024 PAGE 3 OF 4 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 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. Consumers are entitled to one free credit report per year. To request yours call 1-877-322-8228 or visit annualcreditreport.com g0910100e gooo4b04 ss go0e03700 000243792 OUN PK }613923/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 06/06/2024 PAGE 4 OF 4