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IN THE WAYNE COUNTY MUNICIPAL COURT
OF WAYNE COUNTY, OHIO
Cavalry SPV I, LLC, as Assignee of Citibank, CASE No. 2019 CV-F 001648
NA.
500 Summit Lake Drive
Suite 400
Valhalla, NY 10595
JUDGE MICHAEL W. RICKETT
COMPLAINT
ve
Dana D. Hooser
125 Jackson Rd
)
)
)
)
)
)
Plaintiff )
)
)
}
Creston, OH 44217-9707 )
)
Defendant
1. Plaintiff acquired, for a valuable consideration, all right, title and interest in and to the claim
set forth below originally owed by Defendant to Citibank, N.A./Sears.
2. There is due to Plaintiff from the Defendant upon an assigned Account the sum of $788.40.
3. A copy of said Account is attached hereto as Exhibit "A".
4. Plaintiff notified Defendant of the assignment and
balance due on the Account, but no part of the foregoing balax€e has/been paid.
WHEREFORE, Plaintiff prays for judgment agai,
interest at the statutory rate of 5.00% per annum fro’ igment and costs of this action.
Brian C. Block, #0076526
nthony Barone, #0093512
; _ Eric S. Peterson, #0075114
Erica L. Kravchenko, #0083257
Viktoriya Dyrda, #0096265
Javitch Block LLC
1100 Superior Avenue, 19th Floor
Cleveland, OH 44114-2521
(800) 837-0109
CLE@blle.com
Fax (216) 623-0190
Il ll | iM 1737169 CS5
169 SUT 1
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olyo ‘Ayunog auAen U! Wd €££:Z0 6L0Z/S1/80 UO pallAccount Statement
‘Send Notice of Billing Errors and Customer Service Inquiries to:
. SEARS CREDIT CARDS
6 Customer Service: PO Box 6283, Sioux Falls, SD 57117-6283,
Account Inquiries:
1-800-917-7700
(s ivi (¢ 5
Summary of Account Activity Payment Information
Previous Balance $478.31 New Balance $473.52
Payments 8 Minimum Payment Due $15.30
Purchases. +0.00_| | Payment Due Date August 8, 2015
Cash Advances. +$0.00 Late Payment Warning; If we do not receive your minimum payment by the
Fees Charged $0.00 _| | date listed above, you may have to pay alate fee up to $35.
Interest Charged +$10.30. Minimum Payment Warning: If you make only the minimum payment each
‘New Balance $473.52 _| | period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
\Past Due Amount $0.00_} | “you make no additional |" You will pay off the And you will
charges using this card balance shown on this | — end up paying an
and each month you pay... | statement in about... | estimated total of...
(Credit Limit $500.00) ||_ Only the minimum payment 7 years $964
Available Credit $26.00 $19 3 years _ $680
‘Amount Over Credit Limit $0.00 * (Savings=$284)
Statement Closing Date 07/12/2015 If you would like information about credit counseling services, call 1-877-337-8187.
Next Statement Closing Date 08/12/2015
Days in Billing Cycle st J
Please update your phone number, including cell phone number on the back of the payment coupon.
TRANSACTIONS
Trans Date Description Reference # ‘Amount
0708 PAY-BY-PHONE PAYMENT DEERFIELD {iL P9362005XEHWLHV9Q $ 15.09-
FEES.
TOTAL FEES FOR THIS PERIOD $s 0.00
INTEREST CHARGED
O72 INTEREST CHARGE ON PURCHASES $ 10.30
TOTAL INTEREST FOR THIS PERIOD $ 10.30
Get FREE 2-day shipping ‘AS9.75 value. Vist sears. cor
n/maxcard foe deta. Shop You
Ma MA apes oe fos ey eas Kt
Try it free for 90 days at sears.com/maxcard
Products. viable only to new Shop Your
[MAX members. The Shop Your Way MAX program is offered Sas
sears”
Sioux eas, SD 57117-6286
Minimum Payment Due $15.30
Amount Enclosed: §
Please print address changes on the reverse side.
Make Checks Payable tow
SEARS CREDIT CARDS
DANA D HOOSER PO BOX 183081
125 JACKSON RD COLUMBUS, OH 43218-3081
CRESTON, OH 44217-9707
Payment Due Date August 8, 2015
New Balance $473.52
Past Due Amount $0.00Information About Your Account.
How to Avoid Paying Interest on Purchases. Your payment due date is
at least 25 days after the close of each billing cycle. We will not charge you
any interest on purchases if you pay your New Balance by the payment
due date each month. This is called a grace period on purchases. If you do
not pay the New Balance in full by the payment due date, you will not get
a grace period on purchases until you pay the New Balance in full for two
billing cycles in a row. We will begin charging interest on cash advances and
balance transfers (if available on your account) on the transaction date.
If you have a balance subject to a deferred interest promotion and that
promotion does not expire before the payment due date, that balance (the
“excluded promotional balance") is excluded trom the amount you must
pay in full to get a grace period. However, you must still pay any separately
required payment on the excluded promotion. In billing cycles in which
payments are allocated to deferred interest balances first, the deferred
interest balance will be reduced before any other balance on the account.
However, you will continue to get a grace period on purchases so long as
you pay the New Balance less any excluded promotional balances in full by
the payment due date each billing cycle.
In addition, certain promotional offers may take away the grace period on
purchases. Other promotional offers not described above may also allow
you to have a grace period on purchases without having to pay all or a
portion ot the promotional balance by the payment due date. It either is
the case, the promotional offer will describe what happens.
How We Calculate Your Balance Subject to Interest Rate. We use 2
daily balance method (including current transactions) to calculate interest
charges. To find out more information about the balance computation
method and how the resulting interest charges were determined, contact
us at the Account Inquiries number on the front,
Balance Transfers. Balance transfer amounts are included in the
“Purchases” line in the Summary of Account Activity (if balance transfers
are available on your account).
Transaction Date. The Transaction Date shown on the statement is also
the Sale Date.
Other Account and Payment Information.
Payment Amount. You may pay all or part of your account balance at
any time. However, you must pay, by the payment due date, at least the
minimum payment due.
When Your Payment Will Be Credited. if we receive your payment in
proper torm at our processing facility by 5 p.m. local time there, it will be
credited as of that day. A payment received there in proper form after that
time will be credited as of the next day. Allow 5 to 7 days for payments by
regular mail to reach us. There may be a delay of up to 5 days in crediting a
payment we receive that is not in proper form or is not sent to the correct
address. The correct address for regular mail is the address on the front of
the payment coupon. The correct address for courier or express mail is the
Express Mail Address shown in the Express Mail section.
PLEASE SEE IMPORTANT INFORMATION ON PAGE 4
Proper Farm. For a payment sent by mail or courier to be in proper form,
you must:
+ Enclose a valid check o7 money order. No cash, gift cards,
or foreign currency please.
+ Include your name and the last four digits of your account number.
Payment Other Than By Mall.
+ In-Store (Where Available). Any payment in proper form accepted in-
store will be credited as of that day. However, credit availability may be
subject to verification of funds. Not all stores accept payments. Contact
your local store to see if in-store payments are accepted at that location.
Online. Go to the URL on Page 1 of your statement to make a payment.
For security reasons, you may not be able to pay your entire New
Balance the first time you make a payment online. The payment cutoff
time for Online Bill Payments is midnight Eastern time. This means that
we will credit your account as of the calendar day, based on Eastern
time, that we receive your payment request.
AutoPay. Sign up at Account Online to have your payment amount
automatically deducted each month from the account you choose.
Your card account will be credited on the due date with that amount.
Phone, Cali the phone number on Page | of your statement to make
a payment. We may process your payment electronically after we
verity your identity. The payment cutoff time for Phone Payments is
midnight Eastern time. This means that we will credit your account
as of the calendar day, based on Eastern time, that we receive your
payment request.
Express Mail. Send payment by courier or express mail to: Payments
Department, 1500 Boltonfield Street, Columbus, OH 43228. Payment
must be received in proper form at the proper address by 5 p.m. Eastern
time to be credited as of that day. All payments received in proper torm
at the proper address after that time will be credited as
of the next day.
If you send an eligible check with this payment coupon, you authorize
us to complete your payment by electronic debit. if we do, the checking
account will be debited in the amount on the check. We may do this as
‘soon as the day we recelve the check. Also, the check will be destroyed.
703174
SMC/TGUSCC/SCP/HIPs-2 APRI3
Page 2 of 6
Please provide change of address and update/add your
phone numbers’ here: (Use blue or black ink.)
*Cell: *Home:
“Phone: By giving us a cell number or a number later converted to a
cell number, you agree that we or our service providers can contact
you at that number by autodialer, recorded or artificial voice, or a text
Your phone plan charges may applyAccount: SM 7743
Total Fees Charged in 2015
Total Interest Charged in 2015
$0.00
$70.04
INTEREST CHARGE CALCULATION ‘Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Pércefitage Rate (APR) Balance Subject to Interest Rate“ Inferest Charge”
PURCHASES.
REGULAR 25.24% (D\(V) $480.86 $10.30
(V) = Variable Rate_(D) = Daily
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Page 3 of 6Credit Reporting Disputes. If you think we reported Inaccurate
information to a credit bureau write us at the Customer Service address
shown on Page |.
Report a Lost or Stolen Card Immediately. Call the Account Inquiries
number shown on Page 1.
What To Do If You Find A Mistake On Your Statement
if you think there is an error on your statement, write to us at the
address for billing errors and customer service inquiries shown on
Page 1 of your statement.
In your letter, give us the following information:
+ Account intormation: Your name and account number.
+ Dollar amount: The dollar amount of the suspected error.
+ Description of problem: If you think there is an error on your bill,
describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
+ Within 60 days after the error appeared on your statement.
+ At least 3 business days before an automated payment is scheduled,
it you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us,
but it you do we are not required to investigate any potential errors and
you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your fetter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that
we received your letter. We will also tell you if we have already
corrected the error.
2. Within 90 days of receiving your letter, we must either correct
the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
We cannot try to collect the amount in question,
or report you as delinquent on that amount.
The charge in question may remain on your statement,
and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question,
you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
—M
‘703175 - SE-9351-5000-0091 - 9- -
Ne
PLEASE SEF IMPORTANT INFORMATION ON PAGE 2
After we finish our Investigation, one of two things will happen:
+ If we made a mistake: You will not have to pay the amount in question
or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the
amount in question, along with applicable interest and fees. We will
send you a statement of the amount you owe and the date payment
is due, We may then report you as delinquent if you do not pay the
amount we think you owe.
If you receive our explanation but stil! believe your bill is wrong, you
must write to us within 10 days telling us that you still refuse to pay.
If you do so, we cannot report you as delinquent without also reporting
that you are questioning your bill. We must tell you the name of
anyone to whom we reported you as delinquent, and we must let those
organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the
first $50 of the amount you question even it your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
if you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the
problem with the merchant, you may have the right not to pay the
remaining amount due on the purchase.
To use this right, all of the following must be true:
|. The purchase must have been made in your home state or within 100
mites of your current mailing address, and the purchase price must
have been more than $50. (Note: Neither of these are necessary if
your purchase was based on an advertisement we mailed to you, or
if we own the company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify.
3. You must not yet have tully paid for the purchase.
if all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in writing at the address for billing errors and
customer service inquiries shown on Page 1 of your statement.
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not
pay, we may report you as delinquent.
N
- -OM01/08- 16- -P--0-N-- -0-0-0-0- - - -02/10/15-PLAB- June 11, 2015-0-0- -V-
SMC/TGVSCC/SCP/HIPs-4 APR13
Page 4 of 6Account Statement
‘Send Notice of Billing Errors and Customer Service Inquiries to:
SEARS CREDIT CARDS
PO Box 6283, Sioux Falls, SD 57117-6283
6 Customer Service:
‘searscard.com
Account Inquiries:
1-800-917-7700
(a _. \ 7
Summary of Account Activity Payment Information
Previous Balance $473.52_| | New Balance $499.13
Payments is om Minimum Payment Due $45.91
Purchases $0.00 Payment Due Date September 8, 2015
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$15.30 date listed above, you may have to pay alate fee up to $35.
Interest Charged _+$10.31 Minimum Payment Warning: If you make only the minimum payment each
New Balance $499.13. period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
\Past Due Amount $15.30_/ | -7fyou make no additional -| You will pay offthe ‘And you wil
charges using this card ‘balance shown on this | end up paying an
‘and each month you pay... statement in about... | estimated total of...
Credit Limit $500.00) | |_Only the minimum payment 7 years $980
Available Credit $0.00 $20 3 years _ $717
‘Amount Over Credit Limit $0.00 wer (Savings=$263)
Statement Closing Date 08/12/2015, tt you would like information about credit counseling services, call 1-877-337-8188.
Next Statement Closing Date 09/41/2015
Days in Billing Cycle st J
Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
payment will not be reflected until your next statement.
Please update your phone number, including cell phone number on the back of the payment coupon.
TRANSACTIONS
Trans Date Description Reference # Amount
FEES.
08/08 LATE FEE $ 15.30
TOTAL FEES FOR THIS PERIOD: $ 15.30
INTEREST CHARGED
08/12 INTEREST CHARGE ON PURCHASES $ 10.31
TOTAL INTEREST FOR THIS PERIOD $ 10.31
Help may be available
If you're experiencing financial difficulty, we offer a number of payment solutions that may
be available to help bring your account current if you qualify.
» To explore which solutions you may be eligible for call us today at 1-866-518-9055.
For the hearing impaired, call our TDD line at 1-800-926-5818.
We're available to you 7 days a week.
Monday-Thursday: 6:30 am. to 1:00 pm. CT
Friday: 6:30 am. to 9:00 p.m. CT
Saturday and Sunday: 8:00 a.m. to 5:00 pam. CT
8SE6
PLEASE SEE IMPORTANT INFORMATION ON PAGES 2 AND 4. Page 1 of 4 This Account is Issued by Citibank, N.A.
vith your payment 2 PIO
sears’ Your Account Number I 79 na
Payment Due Date ‘September 8, 2015
SIOUXEALLS, $0 57117-6286 New Balance $499.13
Past Due Amountt $15.30
Minimum Payment Due $45.91
‘Statement Enclosed
Amount Enclosed: $
trast Due Amount is included in the Minimum Payment Due,
Please print address changes on the reverse side.
Make Checks Payable tow
SEARS CREDIT CARDS
DANA D HOOSER PO BOX 183081
125 JACKSON RD COLUMBUS, OH 43218-3081
CRESTON, OH 44217-9707Information About Your Account.
How to Avoid Paying interest on Purchases. Your payment due date is
at least 25 days after the close of each billing cycle. We will not charge you
any interest on purchases if you pay your New Balance by the payment
due date each month. This is called a grace period on purchases. If you do
not pay the New Balance in full by the payment due date, you will not get
@ grace period on purchases until you pay the New Balance in full for two.
billing cycles in a row. We will begin charging interest on cash advances and
balance transfers (if available on your account) on the transaction date.
If you nave a balance subject to a deferred interest promotion and that
promotion does not expire before the payment due date, that balance (the
“excluded promotional balance”) is excluded trom the amount you must
pay in full to get a grace period. However, you must still pay any separately
required payment on the excluded promotion. In billing cycles in which
payments are allocated to deferred interest balances first, the deferred
interest balance will be reduced before any other balance on the account.
However, you will continue to get a grace period on purchases so long as
you pay the New Balance less any excluded promotional balances in full by
the payment due date each billing cycle.
In addition, certain promotional offers may take away the grace period on
purchases. Other promotional offers not described above may also allow
you to have a grace period on purchases without having to pay all ora
portion of the promotional balance by the payment due date. If either is
the case, the promotional offer will describe what happens.
How We Calculate Your Balance Subject to Interest Rate. We use a
daily balance method (including current transactions) to calculate interest
charges. To find out more information about the balance computation
method and how the resulting interest charges were determined, contact
us at the Account Inquiries number on the front.
Balance Transfers. Balance transfer amounts are included in the
“Purchases” line in the Summary of Account Activity (if balance transfers
are available on your account).
Transaction Date. The Transaction Date shown on the statement is also
the Sale Date.
Other Account and Payment Information.
Payment Amount. You may pay all or part of your account balance at
any time. However, you must pay, by the payment due date, at least the
minimum payment due,
When Your Payment Will Be Credited, if we receive your payment in
proper torm at our processing facility by 5 p.m. lacal time there, it will be
credited as of that day. A payment received there in proper form after that
time will be credited as of the next day. Allow 5 to 7 days for payments by
regular mail to reach us. There may be a delay of up to 5 days in crediting 2
payment we receive that is not in proper form or is not sent to the correct
address. The correct address for regular mail is the address on the front of
the payment coupon. The correct address for courier or express mail is the
Express Mail Address shown in the Express Mail section.
PLEASE SEE IMPORTANT INFORMATION ON PAGE 4
Proper Form. For a payment sent by mail or courier to be in proper form,
you must:
+ Enclose a valid check or money order. No cash, gift cards,
or foreign currency please.
+ Include your name and the last four digits of your account number.
Payment Other Than By Mi
In-Store (Where Available). Any payment in proper form accepted in-
store will be credited as of that day. However, credit availability may be
subject to verification of funds. Not all stores accept payments. Contact
your local store to see if in-store payments are accepted at that location.
Online. Go to the URL on Page 1 of your statement to make a payment.
For security reasons, you may not be able to pay your entire New
Balance the first time you make a payment online. The payment cutoff
time for Online Bill Payments is midnight Eastern time. This means that
we will credit your account as of the calendar day, based on Eastern
time, that we receive your payment request.
AutoPay. Sign up at Account Online to have your payment amount
automatically deducted each month from the account you choose.
Your card account will be credited on the due date with that amount.
Phone. Call the phone number on Page | of your statement to make
a payment. We may process your payment electronically after we
verify your identity. The payment cutoff time for Phone Payments is
midnight Eastern time. This means that we will credit your account
as of the calendar day, based on Eastern time, that we receive your
payment request.
Express Mail. Send payment by courier or express mail to: Payments
Department, 1500 Boltonfield Street, Columbus, OH 43228. Payment
must be received in proper form at the proper address by 5 p.m. Eastern
time to be credited as of that day. All payments received in proper form
at the proper address after that time will be credited as
of the next day.
If you send an eligible check with this payment coupon, you authorize
us te complete your payment by electronic debit. If we do, the checking
account will be debited In the amount on the check. We may do this as
‘soon as the day we receive the check. Also, the check will be destroyed.
703174
SMC/TGUSCC/SCP/HIPs-2 APR13
Page 2 of 4
Please provide change of address and update/add your
phone numbers’ here: (Use blue or black ink.)
*Cell: *Home:
“Phone: By giving us a cell number or a number later converted to a
cell number, you agree that we or our service providers can contact
you at that number by autodialer, recorded or artificial voice, or a text.
Your phone plan charges may apply.Account aM 7743
Total Fees Charged in 2015 $15.30
$80.35
Total Interest Charged in 2015
INTEREST CHARGE CALCULATION ‘Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance s fi ‘Annual Percentage Rate (APR) Balance Subject to Interest Rate interest Charge.
PURCHASES
REGULAR. 25.24% (DV) $480.93 $10.31
(V)= Variable Rate _(D) = Daily
Page 3 of 4Account Statement
‘Send Notice of Billing Errors and Customer Service Inquiries to:
Customer Service: SEARS CREDIT CARDS
POR , Sioux Falls, SD
° 6 searscardcom 30x 6283, ‘oun ‘alls, 57117-6283
sears Card Account Inquiries:
8B 1-800-917-7700
a YG
Summary of Account Activity Payment Information
Previous Balance $499.13 _| | New Balance $544.68
Payments dite “0.08 Minimum Payment Due $97.46
Purchases. $0.00] | Payment Due Date October 8, 2015
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$35.00 _| | date listed above, you may have to pay alate fee up to $35.
Interest Charged +$10,55 Minimum Payment Warning: If you make only the minimum payment each
New Balance $544.68 period, you will pay more in interest and it will take you longer to pay off your
balance, For example:
\Past Due Amount $45.91_} | ityoumake no additional | You will pay off the ‘And you will
charges using this card balance shown on this | end up paying an
‘and each month you pay... | statement in about... | estimated total of...
Credit Limit $500.00 _) ||_ Only the minimum payment 7 years $1,017
Available Credit $0.00 $22 3 years _ $782
‘Amount Over Credit Limt $44.68 (Savings=$235)
Statement Closing Date 09/11/2015, tf you would like information about credit counseling services, call 1-877-337-8188.
Next Statement Closing Date 10/12/2015
\Days in Billing Cycle 30)
Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
payment will not be reflected until your next statement.
Please update your phone number, including cell phone number on the back of the payment coupon.
TRANSACTIONS:
Trans Date Description Reference # Amount
FEES
09/08 LATE FEE $ 35.00
TOTAL FEES FOR THIS PERIOD $s 35,00
INTEREST CHARGED.
09/11 INTEREST CHARGE ON PURCHASES $ 10.55
TOTAL INTEREST FOR THIS PERIOD s 10.55
We're available to you 7 days a week
Monday-Thursday: 6:30 a.m. to 1:00 p.m. CT
Friday: 630 am. to 9:00 p.m. CT
| Saturday and Sunday: 8:00 a.m, to §:00 pm. CT
If you're experiencing financial difficulty, we offer a number of payment solutions that may
be available to help bring your account current if you qualify.
» To explore which solutions you may be eligible for call us today at 1-866-518-9056.
For the hearing impaired, call our TDD line at 1-800-926-5818.
Missed our call? Don’t worry. |
BSE6
This Account is Issued by Citibank, N.A.
PLEASE SEE IMPORTANT INFORMATION ON PAGES 2 AND 4.
Sears’
PO BOX 6286.
SIOUX FALLS, SD 57117-6286
Past Due Amount* $45.91
Minimum Payment Due $97.46
Amount Enclosed: $
‘tPast Due Amount is included in the Minimum Payment Due.
Please print address changes on the reverse side.
Make Checks Payable tow
‘SEARS CREDIT CARDS
DANA D HOOSER PO BOX 183081
125 JACKSON RD COLUMBUS, OH 43218-3081
CRESTON, OH 44217-9707Total Fees Charged in 2015 $50.30
Total Interest Charged in 2015 $90.90
Type of Balance © Annual Percentage Rate (APR) Balance Subject to Interest Rate ~ interest
PURCHASES.
REGULAR. 25.24% (D)(V) $508.83 $10.55
(V) = Variable Rate_(D) = Daily
INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Charge:
Page 3 of 4Account Statement
‘Send Notice of Billing Errors and Customer Service Inquiries to:
‘ice: SEARS CREDIT CARDS
> 6 Customer Service: PO Box 6283, Sioux Falls, SD 57117-6283
sears Card Eel Account Inau
1-800-917-7700
( ~_. ~ ~)
Summary of Account Activity Payment Information
Previous Balance $544.68_| |New Balance $591.60
Payments -$0.00_| | Minimum Payment Due $150.38
Other Credits -$0.00 Payment Due Date November 8, 2015
Purchases +$0.00 ,
Cash Advances. +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$35.00 __| | date listed above, you may have to pay alate fee up to $35.
Interest Charged +$11.92 Minimum Payment Warning: If you make only the minimum payment each
New Balance $591.60 period, you will pay more in interest and it will take you longer to pay off your
balance, For example:
\Past Due Amount $97.46 ifyou make no additional | You will pay off the ‘And you will
charges using this card balance shown on this | end up paying an
and each month you pay... ‘statement in about... estimated total of...
(Credit Limit $500.00) ||_Only the minimum payment Tyears $1,053
Available Credit $0.00 $24 SB years _ $850
‘Amount Over Credit Limit $91.60 yee (Savings=$203)
Statement Closing Date 10/12/2015 Ifyou would like information about credit counseling services, call 1-877-337-8188.
Next Statement Closing Date 11/11/2015
Days in Billing Cycle 31 J
Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
payment will not be reflected until your next statement.
Please update your phone number, including cell phone number on the back of the payment coupon.
TRANSACTIONS
‘Trans Date Description Reference # ‘Amount
FEES.
10/08 TATE FEE $ '35.00
TOTAL FEES FOR THIS PERIOD $ 35.00
INTEREST CHARGED
40/12 INTEREST CHARGE ON PURCHASES $ 11.92
TOTAL INTEREST FOR THIS PERIOD $ 11.92
Find out if we can help
If you're experiencing financial difficulty, we offer a number of payment solutions that may
be available to help bring your account current if you qualify.
» To explore which solutions you may be eligible for call us today at 1-866-518-9057.
For the hearing impaired, call our TDD line at 1-800-926-5818.
We're available to you 7 days a week.
Monday-Thursday: 6:30 aim. to 1:00 pm. CT
Friday: 6:30 am. to 9:00 p.m. CT
Saturday and Sunday: 8:00 am. to 5:00 pm. CT
8SE6
PLEASE SEE IMPORTANT INFORMATION ON PAGES 2 AND 4. Page 1 of 4 This Account is Issued by Citibank, N.A.
S e@ 2 rs’ Your Account Numbers IIE 7723 mz
Payment Due Date November 8, 2015
PO BOX 6286
‘SIOUX FALLS, SD 7117-6286 New Balance $591.60
Past Due Amount? $97.46
Minimum Payment Due $150.38
Statement Enclosed
Amount Enclosed: $
‘TRast Due Amount is included in the Minimum Payment Due.
Please print address changes on the reverse side.
Make Checks Payable tow
SEARS CREDIT CARDS
DANA D HOOSER PO BOX 183081
125 JACKSON RD. COLUMBUS, OH 43218-3081
CRESTON, OH 44217-9707Total Fees Charged in 2015
$85.30
$102.82
Total Interest Charged in 2015.
INTEREST CHARGE CALCULATION — Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annilal Percentage Rate (APR) _ Balance Subject to Interest Rate Interest Charge
PURCHASES.
REGULAR 25.24% (DV) _ $556.01 $11.92
{V) = Vartable Rate _(D) = Daily
Page 3 of 4Account Statement
‘Send Notice of Billing Errors and Customer Service Inquiries to:
C Customer Service: PO Box 6289, Sian Fal, SO 57117-6288
Account Inquiries:
1-800-917-7700
i _. \
Summary of Account Activity Payment Information
Previous Balance $591.60_| | New Balance $639.09
Payments 28 Minimum Payment Due $204.87
er Nrecns : December 8, 2015
Purchases +$0.00. Payment Due Date
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +535,00_| | date listed above, you may have to pay alate fee up to $35.
Interest Charged +$12.49 Minimum Payment Warning: If you make only the minimum payment each
New Balance $639.09 period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
\Past Due Amount $150.38_} | tyoumake no adational | You will pay off the ‘And you will
charges using this card balance shown on this | end up paying an
‘and each month you pay... | statoment in about... | estimated total of...
(Credit Limit $0.00 Only the minimum payment 7 years $1,087
Available Credit $0.00 $25 3yeere 918
Amount Over Credit Limit $139.09 (Savings=$169)
Statement Closing Date 41/11/2015 It you would like information about credit counseling services, call 1-877-337-8188.
Next Statement Closing Date 12/11/2015
\ Days in Billing Cycle 30 J
Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
payment will not be reflected until your next statement.
Please update your phone number, including cell phone number on the back of the payment coupon.
TRANSACTIONS
Trans Date Description Reference # Amount
FEES
11/08 LATE FEE $ 35.00
TOTAL FEES FOR THIS PERIOD $ 35.00
INTEREST CHARGED
41/1 INTEREST CHARGE ON PURCHASES $ 12.49
TOTAL INTEREST FOR THIS PERIOD $ 12,49
Bringing your account current could make the season seem brighter
We're here for you and we can help. Payment options may be available to help you bring your account current.
» Call 1-866-651-0486 today. For the hearing impaired, call our TDD line at 1-800-926-5818,
Hours of operation: Monday-Thursday: 6:30 a.m. to 11:00 p.m. CT - Friday: 6:30 am. to 9:00 p.m. CT + Saturday and Sunday: 8:00 a.m. to 5:00 p.m. CT
BSE6
PLEASE SEE IMPORTANT INFORMATION ON PAGES 2 AND 4. Page 1 of 4 This Account is Issued by Citibank, N.A.
De f
sears" ono —
We want to inform you that the Payment Due Date December 8, 2015
Payment Remittance Address New Balance $639.09
7 "
Sex Pas SD 87197-6286 for this account has changed to:
PO BOX 9001055
LOUISVILLE, KY 40290-1055
Past Due Amount’ $150.38
Minimum Payment Due $204.87
Statement Enclosed :
Please make any necessary updates Amount Enclosed: $
to any automatic bill payments. oe .
‘tPast Due Amount is included in the Minimum Payment Due.
Please print address changes on the reverse skle.
Make Checks Payable tow
SEARS CREDIT CARDS
DANA D HOOSER PO BOX 9001055
125 JACKSON RD. LOUISVILLE, KY 40290-1055
CRESTON, OH 44217-9707Total Fees Charged in 2015 $120.30
Total Interest Charged in 2015 $115.31
ACTIVITY AND PROMOTIONS DETAIL
Original Purchases,
Promotion Promotion Payments Cash Adv, Promotion Deferred — Promotion
Trans Trans Previous &Other — Fees & Interest New Minimum _ Interest Expiration
Amount Date Balance Credits Other Debits _ Ch: Balance Payment Due Charges
PURCHASES
REGULAR
: : $591.60 = $35.00 $12.49 $639.09 = - =
TOTAL $591.60 $0.00 $35.00 $12.49 $639.09 $0.00 $0.00
INTI EREST CHARGE CALCULATION . Your Annual Percentage Rate (APR) is the annual interest rate on your account.
‘Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate interest Charge
PURCHASES.
REGULAR 25.24% (D)(V) $602.24 $12.49
(V) = Variable Rate _(D) = Daily
Your Statement has been Enhanced
Improvements have made it easier to see the detailed activity on your account.
Sheree some
ee
Activity and ——————__—@ ery ano pnowomt0ws DETAR — Ta,
Promotions Detail vgn "Grae" ages ral omer ent
This new section on your prone ~
PURCHASES $099.90099-
statement shows how your REGIA _ saenomee ° i
payments, purchases and PROMOTORAL DLN nacoNy $3500" on. _ on .
to your balances during oa mma mason oon en tne
ur balances during ~ sss0000 ee
the billing cycle
me -
OTSA coy naman Sm a aS —_ BEE
aa a BOO rover rae on your au
)
Summary of Account Activity Payment Information
Previous Balance $639.09 _| | New Balance $687.58
Payments -$0.00_| Tviinimum Payment Due. $260.36
Other Credits -$0.00 J 2016
Purchases $30.00 Payment Due Date january 8,
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$35.00 _| | date listed above, you may have to pay alate fee up to $35.
Interest Chars +$13.49 Minimum Payment Warning: If you make only the minimum payment each
New Balance $687.58 period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
\Past Due Amount $204.87_} | you make no additional |” You will pay off the ‘And you will
charges using this card balance shown on this | end up paying an
and each month you pay... | statementin about. | estimated total of...
(Credit Limit $0.00 Only the minimum payment 7 years $1,125
Available Credit $0.00 $27 Syears $987
‘Amount Over Credit Limit $187.58 (Savings=$138)
Statement Closing Date 12/11/2015, it you would like information about credit counseling services, call 1-877-337-8188.
Next Statement Closing Date 01/12/2016
Days in Billing Cycle 30) J
Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
payment will not be reflected until your next statement.
Please update your phone number, including cell phone number on the back of the payment coupon.
TRANSACTIONS
Trans Date Description Reference # ‘Amount
FEES.
12/08 LATE FEE $ 35.00
TOTAL FEES FOR THIS PERIOD $ 35.00
INTEREST CHARGED
At INTEREST CHARGE ON PURCHASES $ 13.49
TOTAL INTEREST FOR THIS PERIOD $ 13.49
Bringing your account current could make the season seem brighter
We're here for you and we can help. Payment options may be available to help you bring your account current.
» Call 1-866-651-0486 today. For the hearing impaired, call our TDD line at 1-800-926-5818.
Hours of operation: Monday-Thursday: 6:30 am. to 1:00 p.m, CT ~ Friday: 6:30 am. to 9:00 pm. CT - Saturday and Sunday: 8:00 a.m. to 5:00 p.m. CT
SSE6
PLEASE SEE IMPORTANT INFORMATION ON PAGES 2 AND 4.
Page 1 of 4
This Account is Issued by Citibank, N.A.
sears”
62
‘SIOUX FALLS, SD 57117-6286
‘Statement Enclosed
DANA D HOOSER
125 JACKSON RD
Your Account Number {jin 7743
We want to inform you that the Payment Due Date January 8, 2016
Payment Remittance Address New Balance $687.58
for this account has changed to: Past Due Al i $204.87
PO BOX 9001055 Minimum Payment Due $260.36
LOUISVILLE, KY 40290-1055
Please make any necessary updates Amount Enclosed: $
to any automatic bill payments. “es
CRESTON, OH 44217-9707
‘Past Que Amount is included in the Minimum Payment Due.
lease print ‘changes on the reverse side.
Make Checks Payable tow
SEARS CREDIT CARDS
PO BOX 9001055
LOUISVILLE, KY 40290-1055.Account: ED 743
$155.30
Total Fees Charged in 2015
Total Interest Charged in 2015 $128.80
ACTIVITY AND PROMOTIONS DETAIL
Original Purchases,
Promotion Promotion Payments Cash Adv, Promotion Deferred Promotion
Trans Trans Previous. & Other Fees & Interest New Minimum _ Interest Expiration
Amount Date Balance Credits Other Debits Charged Balance Payment Due Charges Date
PURCHASES
REGULAR
: : $639.09 : $35.00 $13.49 $687.58 : -
TOTAL $639.09 $0.00 $35.00 $13.49 $687.58 $0.00 $0.00
INTEREST CHARGE CALCULATION __ - ‘Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Percentage Rate (APR) _" Balance Subject to Interest Rate Interest Charge
PURCHASES.
REGULAR 25.24% (D)(V) $650.20 $13.49
(V) = Variable Rate _(D) = Daily
Page 3 of 4Account Statement
‘Send Notice of Billing Errors and Customer Service Inquiries to:
Customer Service: SEAMS CREDIT CARDS
. 6 i PO Box 6283, Sioux Falls, SD 57117-6083
Sears Card Account Inquiries:
1-800-917-7700
( ~. (-
Summary of Account Activity Payment Information
Previous Balance $738.23 |! New Balance $788.40
Payments -$0.00 ini
ous oa par | Maruman Ds a
Purchases. +$0.00 y ,
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$35.00 date listed above, you may have to pay alate fee up to $37,
Interest Charged +$15.17 Minimum Payment Warning: If you make only the minimum payment each
New Balance $788.40 period, you will pay more in interest and it will take you longer to pay off your
ce. For example:
\Past Due Amount $319.01_) | fyoumake no additional] You will pay off the ‘And you will
charges using this card balance shown on this | end up paying an
and each month you pay... | statement in about. |. estimated total of...
Credit Limit $0.00.) || Only the minimum payment 21 months: $904
Available Credit $0.00. Ht you would like information about credit counseling services, call 1-877-337-8188,
Amount Over Credit Limit $288.40
Statement Closing Date 02/10/2016
Next Statement Closing Date 03/11/2016
\Days in Billing Cycle 29) J
Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
payment will not be reflected until your next statement.
Please update your phone number, including cell phone number on the back of the payment coupon.
TRANSACTIONS
Trans Date Description Reference # “Amount
FEES
0208 TATE FEE $ "35:00
TOTAL FEES FOR THIS PERIOD s 35.00
INTEREST CHARGED
020 INTEREST CHARGE ON PURCHASES $ 15:17
TOTAL INTEREST FOR THIS PERIOD $s 15.17
BSE6
This Account is Issued by Citibank, N.A.
Your Account Number is MNS 7743
S€ars"
Sour FALLS, SD 57117-6286
March 6, 2016
$788.40
Past Due Amountt $319.01
Minimum Payment Due $378.01
Statement Enclosed j
Amount Enclosed: $
‘Past Due Amounts included in the Minimum Payment Due.
Please print address changes on the reverse side.
Make Checks Payable tow
SEARS CREDIT CARDS
DANA D HOOSER PO BOX 9001055
125 JACKSON RD LOUISVILLE, KY 40290-1055.
CRESTON, OH 44217-9707Total Fees Charged in 2016 $70.00
Total Interest Charged in 2016 $30.82
ACTIVITY AND PROMOTIONS DETAIL
Original Purchases,
Promotion Promotion Payments Cash Adv, Promotion Deferred Promotion
Trans Trans Previous &Other Fees & Interest New Minimum __ Interest Expiration
Amount Date Balance Credits Other Debits _C Balance it Due _ Char,
PURCHASES
REGULAR
: x $738.23 : $35.00 $15.17 $788.40 : :
TOTAL $738.23 $0.00 $35.00 $15.17 $788.40 $0.00 $0.00
INTEREST CHARGE CALCULATION _ _ ‘Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance —— Annual Percentage Rate (APR) _ Balance Subject to Interest Rate Interest
PURCHASES
REGULAR 25.49% (D)(V) $749.11 $15.17
{(V) = Variable Rate _(D) = Daily
Page 3 of 4Contract ID: CV8MUMAA0822!7
Document ID: CV3MUMAA121918C22
Document ID: 121 118CV1MU2IBGI
AFFIDAVIT OF SALE OF ACCOUNT
BY ORIGINAL CREDITOR
State of Missouri
County of Platte
Gary Goldberg, being duly sworn, deposes and says:
1 am an authorized employee of Citibank, N.A. (“CBNA”) located at 701 East 60" Street North,
Sioux Falls, SD 57117 am authorized to make the statements and representations herein and I am
over 18 years of age. In this position, I have access to the creditor’s books and records and am
aware of the process of the sale of accounts and electronic storage of business records.
On or about December 28, 2018, CBNA sold a pool of charged-off accounts (the Accounts) by a
Master Purchase and Sale Agreement dated August 22, 2017 and Addendum No. 22 dated
December 19, 2018, to Cavalry SPV I, LLC. As part of the sale of the Accounts, certain electronic
records were transferred on individual accounts to the debt buyer. These records were kept in the
ordinary course of business of creditor.
[am not aware of any errors in the information provided about the Accounts. The above statements
are true to the best of my knowledge.
Signed this oth day of Vin od/4 .
re Gy
f Gary Goldberg \
0
Sworn before me this day of SA n . a 17 .
nganouyy E, HUGHES ¢ os
State sof Missouri ekson Ce Notary Public
My Comi
(Notary Seal)
soe . dan 26, 2022
My Commission Expires: ver
Cavalry 082217 1Contract ID: CV8MUMAA082217
Document ID: CV3MUMAA121918C22
Document ID: 121118CVIMU2IBGI
CERTIFICATE OF CONFORMITY
STATE OF MISSOURI
CITY OF KANSAS CITY
The undersigned does hereby certify that he/she is an attorney at law duly admitted to practice in
the State of Missouri and is a resident of County, in the State of MISSOURI;
that he/she is a person duly qualified to make this certificate of conformity pursuant to the laws of
the State of Missouri; that the foregoing ac acknowledgment by Gary Goldberg named in the
foregoing instrument taken before ____ C#°Y"E. Hughes g Notary in the State of Missouri, was taken
in the manner prescribed by such Jaws of the State of Missouri, being the State in which it was
taken; and that it duly conforms with such laws and is in all respects valid and effective in such
state.
4a Kuna Aap
Date Attorney at Law
Cavalry 082217 2Contract ID: CV83MUMAA082217
Document ID: CV8MUMAAI21918C22
Document ID: 121118CVIMU2IBB1
BILL OF SALE AND ASSIGNMENT
THIS BILL OF SALE AND ASSIGNMENT dated December 28, 2018, is by Citibank, N.A., a
national banking association organized under the laws of the United States, located at 701 East
60" Street North, Sioux Falls, SD 57117 (the "Bank") to Cavalry SPV I, LLC, organized under the
laws of the State of Delaware, with its headquarters/principal place of business at 500 Summit
Lake Drive, Suite 400, Valhalla, NY 10595 (“Buyer”).
For value received and subject to the terms and conditions of the Master Purchase and Sale
Agreement dated August 22, 2017 and Addendum No, 22 dated December 19, 2018, between
Buyer and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant,
bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts
described in Exhibit 1 to the Addendum and the final electronic file.
Citibank, N.A.
By:
(Si )
Name: “ciny Golcbore
Title: Authorized Party
Cavalry 082217 ]EXHIBIT 1 (CONT.)
Exhibit A
Contract ID: CV8MUMAA082217
Document ID: CV8MUMAAI21918C22
Document ID: 121118CV1MUZ2IBAI
The individual Accounts transferred are described in the final electronic file and delivered by the
Bank to Buyer, the same deemed attached hereto by this reference.
#of
Lot Sale ID Accounts,
Inventory 121118CVIMU2IB en
Sears,
THD, Best
Buy, Oils,
RPL Bulk
Sale Balance
Cavalry 082217