Summons: 2020 CV-F 000477 - PORTFOLIO RECOVERY ASSOCIATES LLC vs. ANDREWS, JESSICA M

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                                WAYNE COUNTY MUNICIPAL COURT
WAYNE COUNTY, OHIO

PORTFOLIO RECOVERY ASSOCIATES, LLC
120 CORPORATE BLVD

NORFOLK, VA 23502 MICHAEL W. RICKETT

PLAINTIFF CASE NO.: 2020 CV-F 000477

vs. COMPLAINT

JESSICA M ANDREWS
1855 MECHANICSBURG RD, APT K1
WOOSTER, OH 44691

DEFENDANT

1. The Plaintiff is the owner of the Defendant's COMENITY BANK - VICTORIAS SECRET
account, bearing account number XXXXXXXXXXXX5336. The Chain of Title is attached
hereto as Exhibit A.

2. The Defendant owes Plaintiff the sum of $741.07 on this account. A copy of the Account
Statement is attached hereto as Exhibit B.

3. Although demand has been made upon the Defendant to liquidate the balance due and owing, the
Defendant failed to do so.

4. Plaintiff does not seek an award for attomey fees, contractual or statutory interest after the date of
charge off including any post judgment interest, and expressly disclaims any right it may have to
the same.

Wherefore, the Plaintiff prays for Judgment against Defendant in the amount of $741.07 and
court costs.

  
 

REIS CO., L.P.A.

DAVID A. HEAD, 0075201

ATTORNEY FOR PLAINTIFF

965 KEYNOTE CIRCLE

BROOKLYN HEIGHTS, OH 44131
PHONE: 216-739-5100

FAX: 216-739-5072

EMAIL: BROATTY@WELTMAN.COM
WWR# 040396861

P73 Rev 01/2019

o1yo ‘Ajunog aude U! NY 17:80 0Z0Z/90/E0 UO pall4EXHIBIT A

 

BILL-OP SALE

Comenity Bunk ("Seller"), for value recerved and pursuant to the terms and conditions of Credit
Card Account Purchase Agreement dated June 4, 2018 between Seller and Portfolio Recovery
Associates, LLC (“Purchaser”), its successors and assigns (“Credit Card Account Purchase
Agreement”), hereby assigns effective as of the File Creation Date of November 12. 2018 all
rights, title and imterest of ScHler in and tp those certsin reveivables, judgments or evidences of
debt described in Schedule | (the “Asset Schedule”) attached hereto and made part hereof for all

purposes,

Amounts due to Seller by Purchaser in herennder shall be paid U.S. Dollars by a wite transfer to
be received by Seller on (the “Closing Date") November 16, 2018 by 5:00 p.m, Seller's time, as

follows:

This Bill of Sale is executed without recourse except as vtated in the Credit Card Account
Purchase Agreement to which this is an Exhibit. No other representation of or waranty of title or

enforceability is expressed or impticd.

come Bank a
By: 2 Jul as Z ho ML
ous. AL 19 ny

040396861

Portfolio Sy Associ
By: f
Date: f 5, “YY

Title _As _Anthay; 2: Le td

EXHIBIT A040396861

SCHEDULE 1 TO BILL OF SALH

ASSET SCHEDULE

The individual Charged-off Accounts transferred pursuant 1o the Credit Card Account Purchase Agreement and Bill
of Sale are desvribed in the electronic fle named PRA_MF_DPL CB.TXT, PRA_MF_LCS_CB.YXT delivered by
Comenity Bank to Portfolio Recovery Associates, LLC on November 12, 2018, and sumittarized in the table.
immediately below (the “Sale File”),

 

 

 

 

| | |
# of Charged-off ' | Percent j
Accounts _ | Agevegate Unpaid Balance. File Creation Date ___ |
f ' +
L_.. _ | — — A . November 32,2018 __|TRAN_DATE 2018-11-12
ACCT NO avananiI HH 36
DIV_NO 9

DIV_NAME VICTORIA'S SECRET
CYCLE NUMBER 0030
CREDIT_TERM NUMBER __|0008

PLAN NUMBER 0000
SURNAME

FIRST_NAME JESSICA M
MIDDLE_INITIAL

LAST_NAME ANDREWS
SUFFIX_CODE

 

JOINT SURNAME

 

JOINT FIRST NAME

 

JOINT MIDDLE_ INITIAL

 

JOINT LAST NAME

 

JOINT _SUFFIX_CODE

 

 

 

 

 

 

 

 

 

JOINT SSN *****0000

EMPLOYER NAME

STR_ADDR 1855 MECHANICSBURG R
SEC _STR_ADDR

CITY WOOSTER

STATE OH

ZIP_CD 44691

ZIP_PLUS4 2679

HOME_PHONE “0000.

 

HOME_PHONE_VALIDITY_C
ODE

 

BUSINESS_PHONE

+0000

 

BUSINESS_PHONE_VALIDIT
YY_ CODE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

040 788HBAID_MISCELLANEOUS_
FEES

PRIMARY_SSN #8219
OPEN DATE 2017-06-24
WRITE _OFF_DATE 2018-10-31
LAST PYMT_DATE 2018-02-24
LAST PYMT_AMT (0000062.00
LAST PURCHASE DATE |2017-11-09
LAST_PURCHASE AMOUNT|0000023.47
CUSTOMER_DATE_OF_BIR [1982
WRITE_OFF_AMT (0000741.07
CURRENT_BALANCE (0000741 07
FIRST_DELQ DATE 2018-05-06
PRINCIPAL BALANCE (0000386.88
UNPAID_FINANCE_CHARG |0000105.19
UNPAID_LATE FEES 0000249.00

0000000.00040:

 

SERIES_NUMBER

sede aeseiea C4 00.

 

EMRRENT_AGENCY_NUMB

00995

 

STATUS _CODE_1

84

 

STATUS_CODE_1_DATE

2018-11-04

 

STATUS_ CODE _2

00

 

STATUS CODE _2_ DATE

2017-06-24

 

STATUS _CODE 3

00

 

STATUS_CODE_3_DATE

2017-06-24

 

SOA_TP_TYPE

 

SOA_TP_SUR_TITLE_CD

 

SOA_TP_FIRST NAME

 

SOA_TP_MIDDLE_INIT

 

OA_TP_LAST_ NAME

 

SOA_TP_SUFFIX

 

SOA_TP_ADDR_LINE_1

 

SOA_TP_ADDR_LINE 2

 

SOA_TP_CITY

 

SOA_TP_STATE

 

SOA_TP_ZIP_CODE

00000

 

SOA_TP_ZIP_CODE_PLUS4

0000

 

SOA_TP_HOME_PHONE_N

eee 00

 

SOA_TP_WORK_PHONE_N

9000

 

SSOA_HOME_PHONE_VALIDI
TY_CODE

 

SOA_BUSINESS_PHONE_V
ALIDITY_CODE

 

BK_CHAPTER

 

BK_FILING_ DATE

 

BK_ CASE NUMBER

 

 

 

 

 

 

BK_CITY

BK_STATE

ACCT ID enna BBS
SSAFE_HARBOR_AMT 00027.00

SAFE _HARBOR_AMT2 00037.00

CCA _INUSE_ DATE _OffUs {1900-01-01

 

DIGITAL-COLLATRL-
ID_OffUs

NACPRCHG012016------ALL

 

ANFTRM_FEE_TYPE_OffUs

 

ANFTRM_FEE_AMT_PCT_Of,
fUs

0000000.00

 

ANFTRM_MIN_FEE_OffUs

0000000.00

 

JANFTRM_MAX_FEE_OffUs

0000000.00

 

NGCTRM_MIN_ FEE OffUs

0000000.00

 

NGCTRM_PCT_FEE_OffUs

000

 

 

NGCTRM_FLAT_FEE_AMT_
OCR.ESI

0000025.00040:

 

INRATE_INTEREST_RATE_
OffUs

00026.7400

 

 

INRATE_COLL_INT_RATE_ |00026.9900
OffUs
INRATE_INT_CSH_RATE_Of |00000.0000

fUs

 

INRATE_COLL_CSH_RATE_
OffUs

00000.0000

 

(NTERM_GRACE_PERIOD_|
ND_OffUs

Y

 

MININT_MIN_FINCHRG_AM
T_OffUs

0000001.00

 

PAYTRM_MIN_ASK_AMT_Of
fUs

0000027.00

 

PAYRTE_MAX_BAL_D_OfU
s

0000100 00

 

PAYRTE_RATE_D_OffUs

00005.0000

 

PAYRTE_MAX_BAL_P_OffUs

9999999.99

 

PAYRTE_RATE_P_OffUs

00005.0000

 

CSHADV_FEE_AMT_OffUs

00000.0000

 

CSHADV_FEE_PCT_RATE_
OffUs

000.00

 

CSHADV_MIN_FEE_AMT_Of
fUs

00000.00

 

CSHADV_MAX_FEE_AMT_O
ffUs

00000.00

 

LTFTRM_PCT_OF_DELQ_A
MT_OffUs

000

 

LTFTRM_FLAT_FEE_AMT_O
ffUs

0000037.00

 

LTFTRM_MIN_LF_AMT_OffU
s

0000037.00

 

[IFTRM_MAX_LF_AMT_Off
Is

0000037.00

 

LTFTRM_DAYS_OF_DELQ_
OffUs.

000

 

LTFTRM_VARD_DATE_TYP
E_OffUs

Pp

 

FRGNDF_FEE_PCT_RATE_
OffUs

000.00

 

FRGNDF_FEE_AMT_OffUs

00000.00

 

FRGNDF_MIN_FEE_AMT_Of
fUs

00000.00

 

FRGNDF_MAX_FEE_AMT_O
ffUs

00000.00

 

CCA_INUSE_DATE_OnUs

 

DIGITAL-COLLATRL-
ID_OnUs

 

AANFTRM_FEE TYPE OnUs

 

 

 

 

 

ANFTRM_FEE_AMT_PCT_O |0000000.00

nUs

ANFETRM_MIN FEE OnUs _|0000000.00
M_MAX_FEE_OnUs _|0000000.00NGCTRM_MIN_FEE_OnUs

0000000 00 ”

 

 

 

 

 

 

 

 

 

 

 

NGCTRM_PCT_ FEE OnUs _|000
NGCTRM_FLAT_FEE_AMT_ |0000000.00
OnUs

INRATE_INTEREST_RATE_ |00000.0000
OnUs

INRATE_COLL_INT_RATE_ |00000.0000
OnUs

INRATE_INT_CSH_RATE_O 00000.0000
nUs

INRATE_COLL_CSH_RATE_ |00000.0000
OnUs

INTERM_GRACE_PERIOD_I

ND_OnUs

MININT_MIN_FINCHRG_AM /|0000000.00
T_OnUs

PAYTRM_MIN_ASK_AMT_O 0000000.00
nUs

PAYRTE_MAX_BAL_D_OnU |0000000.00
s

PAYRTE_RATE_D_OnUs 00000.0000

 

PAYRTE_MAX_BAL_P_OnUs

0000000.00

 

PAYRTE_RATE P_OnUs

00000.0000

 

CSHADV_FEE_AMT_OnUs

00000.0000

 

CSHADV_FEE_PCT_RATE_
OnUs

000 00

 

CSHADV_MIN_FEE_AMT_O
nUs

00000.00

 

CSHADV_MAX_FEE_AMT_O
nUs

00000.00

 

LTFTRM_PCT_OF_DELQ_A
MT_OnUs

000

 

LTFTRM_FLAT_FEE_AMT_O
nUs

0000000.00

 

LTFTRM_MIN_LF_AMT_OnU
Ss

0000000.00

 

[EFTRM_MAX_LF_AMT_On
Ss

0000000.00

 

LTFTRM_DAYS_OF_DELQ_
OnUs

000

 

LTFTRM_VARD_DATE_TYP
E_OnUs

 

FRGNDF_FEE_PCT_RATE_
OnUs

000.00

 

FRGNDF_FEE_AMT_OnUs

00000.00

 

FRGNDF_MIN_FEE_AMT_O
nUs

00000.00

 

FRGNDF_MAX_FEE_AMT_O
nUs

00000.00

 

LANG-IND

0

 

PREV-PRIME-ACCT

sess e+® 0000

 

 

J_MA82@HOTMAIL.COM

 

4o,§b¥bH-ADDR
EMAIL-AVL-CD

 

VvPHONE-NO1 erent 240

 

PHONE-NAME-ADDR-TYPE1 |CP

 

PHONE-AVL-CD1 Vv

 

PHONE-NO2 ******0000

 

PHONE-NAME-ADDR-TYPE2

 

PHONE-AVL-CD2

 

PHONE-NO3 “0000

 

PHONE-NAME-ADDR-TYPE3

 

PHONE-AVL-CD3

 

PHONE-NO4 “40000

 

PHONE-NAME-ADDR-TYPE4

 

PHONE-AVL-CD4

 

PHONE-NOS “#0000

 

PHONE-NAME-ADDR-TYPES.

 

PHONE-AVL-CD5

 

PHONE-NO6 “***0.000

 

PHONE-NAME-ADDR-TYPE6

 

PHONE-AVL-CD6

 

PHONE-NO7 “*0000

 

PHONE-NAME-ADDR-TYPE7.

 

PHONE-AVL-CD7

 

PHONE-NO8 “0000

 

PHONE-NAME-ADDR-TYPE8.

 

PHONE-AVL-CD8

 

 

 

 

 

 

 

 

 

 

 

 

 

TOTAL-CASH 0000000.00
TOTAL-PURCHASES 0000000.00
TOTAL-PAYMENTS 0000000.00
TOTAL-RETURNS 0000000.00
TOTAL-ADJUSTMENTS 0000000.00
APPL-NO

APPL-SOURCE-CD

‘Column 179

ACCT NO. 2 Heer 336
FILE WFNNB LCS
ELECTRONIC FILE PRA _MF_LCS_CB.TXT
ATLAS_ACCTNUM senweaee*4¥45336

 

 

 

040396861PARE OF

 

 

 

 

 

 

SMEs ees Grace
‘Account no. senna New tatsnce $741.07

‘Miimum payment due $212.00
Previous pstance $688.11 Payment dus date ryoe2018
Payments 0.05
Other credits 0.00 Cate payment warning:
Purchases oso Ite do not receive your minmum payment by 1106/2018 you may
Other debts 0.00 havetopayuptosSa7.00iatetes,
race charged e700 Minimum payment warning: Ifyou make only the minimum
Interest charge 15.96 payment for each pesicd, you wil pay more in interest snd it wilt take.
New balance s7at.o7 you tonger tu pay olf yaur balances. For example
Past due amount 17.06 Ifyou make noadditional  Youwil pay off | And you will
Credit mit $360.00 charges ueing thie ead the balance chown | end up paying an
Available cred ‘$0.00, and each month you pay: onthe statement | estimated tots!
Statement clesing dats ori v2018 2 ln i
Days in biting cycle 31 Oniy the minimum payment 8 years ot

 

 

PRrieeeracne

TRANS DATE ‘TRANSACTION DESCRIPTIONILOCATION AMOUNT
Fees
vooseci@ LATE FEE 37.00
‘Total fees charged for this period $37.00
Interest charged
Interest charge on purchases $15.96
Total Interest for this perlod $15.96
1
j 2078 totals year to date
| Total fees charged in 2018 9931.48
| Total interest charged in 2018 $113.19

[acces
‘Your Annual Percentage Rate (APA) is the annual interest rate on your acocunl. See BALANCE COMPUTATION METHOD
on page 2 for mare delais.

  

 

TYPE OF BRLANCE SUSJECT wrenest.
BALANCE TG INTEREST RATE ‘CHARGE
Purchases 26.7400% wv) 702.90 (DA} 15.96

Tene ce)

IMMEDIATE ATTENTION REQUIRED! Your Account Is extremely past due and will be wrillen off as a
bad debt at the snd of this month. To avoid this, you can pay the Minimum amount shown on this
statement belore 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,
the bad ciebt will be reported fo 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.

ONE NUEDY

Pienee tear at perforation above

 

 

‘ eumbsr 5356
PINK "New aatares ‘Minera paxymert
$741.07 $212.00

94

P Payment must each us by
Yee. | have moved or updated my 7
‘Oomait adevose = S00 roverse. Amount enclosed: 6 pm ET on 41/06/2026,

Piease wetum ths potion slong with your paymont to:

 

Pease mako oncx aye
ltt eye Het, COMENTY “WICTORINS SECRET

SESSICA M ANDREWS
4885 MECHANICSBURG RD APT Kt PO BOX 659728
WOOSTER OH 44691-2679 SAN ANTONIO TX 78265-9728

syetfengfla fof] LUN ope fff yaa] pt

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GUSTOMER SERVICE. V.stvsangclcard.com or cal 1-800-6959478
MTOD/TTY 1-800-695:178).

TELEPHONE MONITORING. 0 zune we wth ah aus lesen ore
phe 1 sv eet ete tc

ADDITIONAL INFORMATION, tte low tir ye: apy,
‘0 tne True oF yuurvtaterie, creat the falcon ¥ eabres vari "ule
Atl ape YAU FAY Mn ARYL LES, PAL

KLOET UY reat VL URLS. Laud BAMZL
INT Loe "eg ai RIGRLS:, LOW RAVEN GDF IN PY
freon EL et TRUS PAYMAT LGD feb: Ue Itt La PY ens
DLR RIERLSI, LauAL MAYEN L: DER LCT PM. ricer DLIEK
INTERLST, LOW PALI ora LOW APK LO FAY mucins LH AFB, LOUK
FAVILIc- iI you have & mums rule wccuunl, yur pevodte retes ay euN.
You ray py al 0) yuur Accounl waist el en me wilmyut penal,

Send all equities to: CUSTOMER SERVICE, PO Box 182273, Columbus,
Ohio 43218-2273.

Send al banroptey neces and ated sarespondence to Comenity Bank,
Banxruptey Department, PO Box 182125, Columbus, Cra 43218-21;

NGIICE ABOUT ELECTRONIC CHECK CONVERSION. Wiss yuu. presto
Frock ws unyrtent, uu Buttesiee us citer louse alretion ior Yul
Ene ty rene a oe LHW ee hie ra Unster fear yuu BC: ou OF by
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Last Nase Sec. See. No. a
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Home Work PhenePAGE 2 OF $

 

You may be required to have your full credit card account number readily available when enrolling in

Agcount Center or paying your bill through online bill pay or eBill, by phone, or in-store. Your account
number can be found on your credit card.

Protect yourself against mail and phone gansumer fraud.
http://about.usps.com/publications/pub28 t/weleome.himes

Visit our Payment Help Center at
comenity.net/paymenthelp
to schedule a payment for the minimum due
and bring your account current.

  

 

PAGE OF?

EEN
‘Account no, swore se8 5336 New balance $688.11

Minimum payment due 3177.00
Previous balance 9636 83 Payment due date 10/06/2018
Payments 0.00
Other credits 0.00 Late payment warning:
Purchases 000 {we do not receive your minimum payment by 10/06/2018 you may
Other debits 9.00 hhave to pay up to a $37.00 lale fee.
Fess charged 37.00 Minimum payment warning: If you make onl

ly the minimum

Interest charged 428 payment fr each period, you wil pay more in itorest andi wil ake
New balance eset you longer to pay off your balances. For example:
Past due amount 147.00 Ifyou make no additions! You will pay off | And you will
Grecit limit $350.00 charges using this enrd the balance showin end up paying an.
Available credit $0.00 ‘and each month you pay: on the statomont —_ostimated total
Statement closing date og/102018 In about: of:
Days in biling oycle 30 Only the minimum payment "8 years 1018

For information regarding credit counseling services,
‘all 1-800-284-1708.

PEE e crac
AMOUNT.

TRANS DATE TRANSACTION DESCRIPTION/LOCATION
Fees
og/og2018 LATE FEE 37.00
Total fees charged for this parlod $37.00
Interest charged
Interest charge on purchases s14.28
$14.28

Total interest for this period

1

2018 totals year to date
| Tota! fees charged in 2018 $294.43 |
i Total interest charged in 2018 $97.23 |

 

Interest charge calculation
‘Your Annual Percentage Rate (APR) Is the anual inlerest rale on your account. See BALANCE COMPUTATION METHOD
‘on page 2 for more details

TPE OF BALANCE SUBJECT INTEREST
BALANCE APA, ‘TO INTEREST RATE ‘CHARGE,
Purchases 26.7400% (v) 649.82 (DA) 14.28

EXMIene eens

We would sincerely like to help you resolve this matter, yet our previous efforts to work with you have
gone unanswered. This is your final opportunity. Unless we hear {rom you soon, we will permanently
close your account and write it off as a bad debt. Your account will then be tumed over to our Recovery
team and reviewed by one of our Recovery Specialists. Visit our online Payment Help Canter today at
comenity.net/paymenthelp to schedule your payment to bring your account up-to-date or call
1-888-376-6601 (TDD/TTY 1-800-695-1788) to make @ payment over the phone or discuss payment

options.

 
  

 

PUNK New balance [Minimum payment
$688.11 $177.00
g924
Yes, | have moved of updated my Ameunt enclosed: Spm Eton SOGBOTS.”

‘email address - see reve

I —— 4
Piease make check payable to:
COMENITY - VICTORIA'S SECRET

sb eellytegtaelle
ease relum tis portion along with your payment to:

JESSICA M ANDREWS
1855 MECHANICSBURG RD APT K1 PO BOX 659728
WOOSTER OH 44691-2679 SAN ANTONIO TX 78285-9728

Eteach adadaeD eet de ela ah et efet oll thtKeep this portion for your encords.

What To Do I You Thiok You Find A Mistake On Your Statement

{you think there is ap ortr an your statement, write Lous al: Gamenily

Bank PO Bix 187782, Counts, Oho 412 18-2787.

{In yout fetter, give us the follownng information:

© Recount inaralon: Yeut rame and account number,

> Dollar amount: Tho doflar emaunt cf tho suspacted err.

© Pesanptin of Problems It you think the ws an oror on your bill
‘describe what you believe 1s wrong and why you beliove i i a mustake,

You must centact us wun 6O days otter the enor appeared on your
statement.

 

You must notily us.0' sry poten errors in writing. You muy eal us, bat
ypu do ne are nov required fe vestigate any potonial eros and you may
Fave to py the amaunt in question.

‘While we invest gate whether or not there has been an ector, the fotowing

We catnot ty to collect the ameunt in question, of report you as
delinquent on that amount

+ The charge in question may remain on your statement, and we may
‘continue to charge you irterest on that amount. Git, sf wa cetermne that
‘wn made a mistake, you voll nol hae to pay the arsount in ques
any interest outer Tees relate to that amount.

* While you do not have to pay the amount in question, you are responsible
far the remaindor of your balance,

+ We can apply any unpard amount against your credit lin

Your Rights I You Are Dissalistied th Your Credit Cand Purchases

you ar dsatisied wih tho goose sarc that you have purchases

sour ered card, and you tare tried m goo fl to comet the |
Drobo yt the michal, eel you tay have the rg wt pay to Reg
moun! de ga the pute

To.use this ght, all of the following must be thus:

1. The purchase must have been made in your home stata or within 100)
les fou cuenta des, nd the purchase ren must vo

thor ove than $50. (ota Hah el then ts nocosay if your putas

an advent we edt yo, oF wo on the cay

“Mal sod you ‘he pods or

2 You must fave vse your era ard fr the ourchase, Purchases made

ih ea aie rom an ATA wh cack tha ze your re

ard acco

SY ot yt hve fly paid or the purchase.

Malt ol the evra awe ae mal an eae til aiid wh he
purchase, contact. us in wriigg at: Comenity Bank PO Bex 18%
Columbus, Ohio 43218 2782.

ie envi the a ules a to he spd mn

ova. Aller we finish our investigation. we wal ell you our
Sheson Atl po tr yo ee ate a per
we may report you as delinquent

OW 70 AVOID PAYING INTEREST. Your du do 3 as 25 days te
tre cos fea ling rc, i no! charg you resto purchases

yu you ete alee by he ddl eat mathe ml Bagh 0
_ cltarge interest on new purchases made unver a one APR, Fqual Payment
{or fudgo Payment Creo an fom the date of purchase:

BALANCE COMPUTATION METHOD. We calculate interest separately for
‘each talence using the mothodis) described below, The hi lotters it
ppareniheses next lo the Balance Subiec: to Invest Rate coivinn tn the
Irmeen Chay Ceuta secon cn Us stloment caer lhe
tal
CBN eins ne rest ran on nals by ao the pence
tate tothe “daily batance” tor each Uay in tho billag: pened. To get the
alanee” wo lae tho began balun each
tranzactions end tees and subtract any payments or er
credit batance ws 9 oro Lalance). Its ges us the daly balance.
(8) Me tune rest hac hs alance ty apy th er
fae to thy “eerape daily Blanes” ir Le Uline pti Tog
“average daly balance” we lke the beruntiny Balance ea
‘ow traacvons ar feos an sobvact ary pamers or eres frat”
‘any nol creat balence as a zero balance. this gives us the ex balance,
Then, we acd up al the dalty balances forthe billing, peed and divide the
{ola by We rumber of days m the billig peti. Inispves us the “average
aily balance.”

  

 

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PAYMENTS. Poy you cout by he payment ve date by te te sed elo I we dort reehe yous payment
ted tour fecout fr up ove cays. faye rented, As, you payment as eat oy he payment cao Te ha aps te

"ot be cretkted fo your
the eavment methed you select
Comet Fora. Cree era fr eller payment aids melas
bling or Oremiht Send a rerenal check.

ths Statement Ine payinant stu aoa eaniainiyg yout balance and numa payment
yer payment tothe ub include our acca manbero your check, se the ene
You should ovomny)t payment

 

ol srt any carespondence wilh you pyre
ional {orm requiorearis are he

 

 

ine You can make payments i store.

ten Cxtll Ties, Pay cuel tnenead ies fru recone gaye
and Grey Gp cate Tan Pay By Phone By 8.80

mes:
the sont clos a he for ation jou ake your parent

r, trawlers check or cashiers chock payanle in U.S. dollars. to the name and addros

 

 

CREDIT REPORTING. We may report information about your account to

credit bureaus. Late payments, missed payments, of oer detaulls on your
accounl may be rallected in your cred repo.
NOTICE OF cReDHT REPORT DISPUTES
{W yu bnliava the account infestation repo ting
ay 1s accurate, you may abl 2 deel dace to Goma Gath PO
{dor 182789, Columbus, Uno 43218 2789. Your vnllen dispute must
[ronce suticient nlonnation to entity the account and specity ty tho
{atormation fs iraceurata:
* Recount Information: Your name and account number
* Contact Information: Your eotross end telephone number
isputed Information: Identify Wie wecount nformelwn disputed and

‘explain wry you boliove tis maccurato
‘+ Supporting Documentation: If avalable, provate a copy o! the section of

‘ho emai roparl showing the account information you are disputing

‘We will investigate the disputed information and report the results to you
withir 30 days of receipt of the information needed for our investigation, IF
‘wo Find thatthe account information we reported is nacrurate, wo ll
promptly provide the necessary comection to each consumer 1apartng
‘agency to which wm ported the inlonnatinn.

AMMENTS HARKED "PAID IN FULL Al witten communications regard
‘disputed amounts that include any check of other payment instrument
inane wth payne plot sao Tongue, tnt bo se tr 638
Naty Loop 260 fat, Sule 10, Sen Ratan 1X 78247 S004.
DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.

ae ay aceplpant St ony oer ass tou se ayo

Ne pant Sa opr as an aver ne satisoton witout wie
vmitlon appro
custoMER senvee, Visit wsangetcard.com or call 1-800-695.9478
(TODTTY 1-800-695-1788).

‘TELEPHONE MONITORING. To provda you with high quality service, pana
‘communication wath us 1s monitored andlor recorded,

*ODITIONA, WFCRMATON he lowing dsgratons, sha ppg
‘on Pe Iront ol your slalement, neo the tolls: Vee
{thal ny sry HV INT PAY RQ tear WANE reas th
ALGUTRLD Vi Ua Py nae AE TERS CUAL PAMEN
INFLOW Pil mens WANE NCEAES, DW PAYMENT: F NY PY aa
tncans DLILR INTERLST, PAYWLNT HLGUIRLD: Get IN LQ PY cas
DDEreR INTER:ST.£GUAL PmYnENT: Dr INT LGW PMT means DUTER
INTEREST, LO” FAVLACNT end LOW APR EC PAY mears LOH APR, EQUAL
PAYMENT you te a vanable rate account, your penodie ales hay Oy.
‘You may pay ol your Account balance el any tune veto peal.
Send al ingles to. CUSTOMER SERVICE, PO Box 182273. Columbus,
Ohio 43218-2273.
Seodall taupe lens and led corazon a Carey Bank,
Bankruptey apartment, PO Box 182125, Columbus, Oho 43218-2125
NOTICE ABOUT ELECTRONIC CHEEK CONVERSION. nn yu rnd
ator

heck us pam youaultaize ws eer 1 use i
tomako a one

lod v0 8 consumer

 

 

 

 

 

 

 

{your check to make an electron
Mom our acount os son sth sae dy we ieceve your pope, ond
you will nol receive your chock buck Irom your linaneial insitution.

 

ina conee! format (outlines below it

ss showin on

He sure to anclude yar payment stats, do not staple ut
roid it your Snemert, Sore pen thm
web 1604 Last, Suite

500 Korth Loup

 

ales. Pay
691788) fo make a payment by elepnone: which ma elude ole; Online: You can wake a pay nine a ¥sangelerd.om.

rs Statement|

nthe payment stub arpa at the
‘ntines By 80 pnts

Bard Unstone: Gy the time

Now Information

Title (optional) First Name

 

 

 

 

Last Name

Street Address

Apt No. RR PO

City State __. ZipCode. __ Foreign Map Coae
Hore Phone Work Phone

 

Emait AderessVisit our Payment Help Center at
comenity.net/paymenthelp
to schedule a payment for the minimum due

and bring your account current.

PAGE) OF 2

   

 

Seer err Gevaert
‘Account no. (-5395 New balance $636.63

Minimum payment dua $147.00
Previous balance $588.21 Payment due date 0908/2018
Payments 0.00
Otter credits 0.00 Late payment warning:
Purchases 0.00 ti we do not receive your minimum payment by 08/06/2018 you may
Other debts 0.00 have to pay up fo a $37.00 ae fee.
Fees charged 87.00 Minimum payment warning: If

1g I you make only the minimum

Interest charged 13.62 payment for each period, you will pay more in Interest and it will fake
New balanes $636.83 ‘you longer to pay off your balances. For example:
Past due amount 117.00 Ifyou make no additfonal ' You will pay off > And you will
Credit mit ‘$350.00 charges using this eard the balance shown | end up paying an,
Available credit $0.00 and each month you pay: ‘tatoment | estimated total
‘Statement closing date 08/11/2018 L _ Inabout: joe
Days in biling cycle 31 ‘Only the minimum payment 8 years S909

For information regarding credit counseling services,
call 1-800-284-1708.

PRR ea cen

TRANS OATE TRANSACTION DESCRIPTIONLOCATION ‘AMOUNT
Fees
ogiog2018 = LATE FEE 37.00
Total fees charged for this perlod $37.00
Interest charged
Interest charge on purchases $1362
$13.62

Total Interest for this perlod

2018 totals year to date :

| Total fees charged in 2018 $257.43 |
Total Interest charged in 2018 ‘$82.95

(Ieee ered

‘Your Annual Percentage Rate (APR) 's the annual inlerest rate on your account. See BALANCE COMPUTATION METHOD
‘on page 2 for more detals.

TPE OF BALANCE SUBJECT INTEREST
BALANCE apn TOINTEREST RATE (CHARGE
Purchases 26.7400% (v) 1599.87 (DA) 19.62

RTs

We have made many attempts to resolve this issue with you. Before matters get worse, we need to
receive your payment or come to agreement on payment arrangements. Our Payment Solutions
Specialists can discuss alternative payment arrangements that can help you gst back on track. To make
your minimum due payment, simply visit our online Payment Help Center today at
‘comenity.nevpaymenthelp to schedule a payment to bring your account up-to-date, or call
4-888-376-6601 (TDD/TTY 1-800-695-1788) to make a payment over the phone or to discuss payment

options.

 
    

Please tear at perforation above

PINK ae

nonce 5306
See

 

 

 

$636.83 $147.00.
994
Payment must reach us
Toeal bene moved apa my Amountencoces: Spe onOoOS2016
i
Piease make check payable to: _
COMENITY - VICTORIA'S SECRET
mallet ee et TT sm thts orion lon vn 7
JESSICA M ANDREWS lease totum this porion along vith your payment to:
4855 MECHANICSBURG RD APT Kt PO BOX 659728
WOOSTER OH 44691-2679 SAN ANTONIO TX 78265-9728
Uoofflyfsoe|ypeg leaf tlato sat floppy LaLa otKeep this portion for your recards.
What To Do lf You Think You Find A Mistake On Your Statement

{you think thora isan evr an your statemant, wattle lo us at: Camaniy
Bank PO Ber 189782, Columbus, Ohio 437 18-2787.

In your letter, give us the follownng information:
arena Your ra

 

scribe what you believa i wrong and why you bel
You must centact us enlnin 60 days utter the enor appeered on your
statement,

 

You must notify us of any potential erro in siting, You may call us, bat
ule me ate rol requ fo westgae ay potent ero end yo tay
te pay lho aunt im question.

te wo image wet nother has bn a err, lowing

 

Se canna tytn collet the amount m queso, o repr you 3s
‘delinquent oa thal amount

‘© The charge n question may remain on your statement, and we may
‘continue to charge you irterest on that amount. Gut, we determune that
‘we madi a mistake, yau will not have to pay the aniunt in question oF
any interest o other fees relatec to ther amount.

+ While you donot have to pay the amount in question, yrs ate responsible
forthe romaindar of your balance.

We cam apply any unpard ammount against your credit lim,

Your Rights You Are Dissaisfied With Your Credit Card Purchases

1M you are dissatished yah the goods oF sorvicos Ut you have jurchased

wth you" ered card, and you hae tree! in good tlh to comet the

rab th the tveland, ye emay Mave Me ght ra kay te ening

‘amount duc an the purchase.

‘To.uso this right, ll of the folowing rust bo tuo:
1 The purchase’ mast have been made in your home state or within 100

 

 

niles of yout current ress, and the purchase price must have
‘aon more lien $50, (Nota: Neher of thes is necessary «your puctee
vas based on on aetserant ve mated fo you, oF # we can the company
{pa sold you ta nosso sar

You mt hae used your creditcard fr the purchase. Purchases made
Sines adanres aan Aor sh check ha acaies yo cet
ard account do not qual
Sou mua at yt ve lly pd forthe purchase.

Mal ol he rer theater you ate tit aiid wl he
1m writing at: Comenity Bank PO Bex 187782,
Echunbus, Ono GEIB Sao"
‘vie wo invostagate, the tame rules arly Lo the spate armour as
discussed abesa. Alor we fins our irvastigaton, val ell you our
Socom. ak pour, fw ure yd ee ns ss yo py
‘re may reper] yuu as delinquent,
HOW TO AVOIO PAYING INTEREST. Your dus date +s at mast 75 days after
the cc ofeach ling te, We wi nol charge you inter cn pases
tt you pay your entire balance by the due date each month. We wn
charge nurs an new parchose made une a Ten AP Fa
‘or Budget Payment Creat Plan ftom the date of purchase.
BALANCE COMPUTATION METHOD, ie caleulee interest seperately or
) described below. Lhe te tetlers

   

 

   

 

irre Gers Cakulaton econ on estan caer oe

(

ton wel lig tn test chanson tis balance by appv he pei

ale "daly bance ‘or a dy hale Ze, ole

‘daly balanco” vw lake the bene Uelarice each day. ed at
Yaneactins and fees ard sublet any sent or reds ating ary net
it balance a2 20 balance). (his Rives us the dest balance.

(Gi) We gure the inert char oni lance ty apr dyng tne period

fae tthe average da balance” fo Be lire pati Wa
balance euch day, aid any

 

 

   

   

‘Toet, we add up al the dally taslanees forthe billing
tolal by the numberof days tn ihe billing period, This pives us (he “averae
daily balance.”

 

PAYMENTS, Pay your Account by the
‘may not be credited to your Arcount
{he payment method you select.
Soret Format arc! frat fr fren amet ma
erie Send 2 personal check; ney oc
th Soren ans apna sata conan ear an
el gout pment te sy elude your sere Rumba
payinent stub ang do tol vend un eov-espondence wilh your payne
Aeterna oe i a Tonal
ed "Paid

Gon
Instore: You can meke payinents i ste,

  

eludes

 
           

 

  

   

rayne" check ar cashier's chock payable in U.S. dollars. to the name and antdrans

‘muro payment amount He sure w

se the env

‘You should ovemigh w payient to 640 North Loop
rh sh sm ai ra th

{In Tul sorlien above. Cc nel stad cash or pit eoihicates.

1-800.698-1 788 to make w payment by telepone, which may elude a Te. Online: Yo ean make a rayne one a Yeangee a.com

CREDIT REPORTING. We may repar information about your account to
‘erect bureaus. Late payments, nssed paymants, ot oUter defaulls on your
‘accounl may be ratleeled in your credit report,

NOTICE OF CREDIT REPORT DISPUTES

yi to aecunl onan pa cen pein

ay sea, you may sles del spats to Coney ‘ak

lor 182789, Couns, Ov 42918 2789, Yur written dete rust

‘provide sulliciont information to identity the account and speecty vy the

Information is inaccurate

‘Account Information: Your name and account number

* Contact information: Your adstoss and telephone: number

* Disputed Information: lcontty ne account :nlonmaton disputed and
‘explain why you boliove its inaerurata

* Supporting, Documentation: If availabe, provate 8 copy o! the section of
the erst ropor sowing the account intorration yeu are disputing

‘We wil investigate the disputed information and report the results to you
within 30 days of receipt ofthe information naedet for our awestigaian. tf
‘wo find that the account information wa -eperieg is maccurate, wo
‘lomptly pruvide the necessary correction fo each conuumer raparting,
‘agency fo which wa reported the information.

PAYMENTS MARKED "PAID IN FULL". All written communications regarding
‘disputed amounts that include any check of other payment insLument
‘marked with ‘payinent in tll" or sia language. must bn sent to: 6550
Not Loop 100 Ll Sate 101 Sen Aura X 78247 2004.

iE ENCLOSED REMITTANCE ENV!

Sie Tn ACCC Dayton sen ey Oe! eldest tse yo

 

 

na BAS.
No Payment shall opel es a accord end zalislac on without rer
vaillen approval.

CUSTOMER SERVICE. Vist vengelead.cm or al 1800-695.9478
(TDDFTTY 1-800-695-1788).

TELEPHONE MONITORING, To pro yu wth igh
Ccaramunication with us s moritored andor recorded

ADDITIONAL INFORMATION Th folowing des graons, whan apparing
‘on he tonto your statement, mewn

{thi ata ay wr NT PAY RQ re A Marsh» an
LGUIRLD, Vi LO PY means 1, LQUAL PAYHENT: WW
TNTLOMT Pia means WAIVE AGEL. LOM PAYMENT: OF INT PY
tncany DUIER INTERLS!, PAYMENT RLGUIRUD. Dut INT LG PY meas
DOLFER INTEREST, EGUAL PAYMENT; DF INT LOW PMT means DLFER
INTERCSI, LOW PAYLACNT and LOW APR EG PAY moarss LOW APR, EQUAL
PAYMENT. (t you tave a vanable rate accounl, your periods rales may vary.
‘You may pay ait ol aur Account balance et any lime without penalty.

‘Send all ingulies to: CUSTOMER SERVICE, PO Box 182273, Columbus.
Oblo 43218-2273.

Send all bankruptcy notices and related conespondence to Comerity
Sontupty Seprinen, PO Box 182125, Commun, Ono SEIBZAS.
NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you pride 8
‘check as payment, you authorize us either to use informal Irom your
‘check lo mako @ one-line electronic tund trates trom

process the payment 2s 8 check trareaction, When we use
‘rou check to make an electrenie tnd burns, funds may

ality service, poe

 

 

Tom your accounts sun a tha same oy we Yeclve your payment and
{you vill not receive your ehech buck foe your linanc ial insituion.

ment duo aate by the ime listed below. 11 we do ot receive your payment in 8 comect ermal (oullned below) it
for up to fve days. ct may be rejected. Also, your payment mast reach us hy the payment cutol time that applies to

shown on
vnelude yun payment tut, do noF staple ur
‘roiided sath your Statement, sand one payment

p 160 Last,

 

 

 

 

 

 

RSS Ae ee
natin
Las tae ser
swettiies =
toe rom
city State = «ZipCode. = __ Foreign Map Cane.
ve Pane vento

Email AddressVisit our Payment Help Center at
comenity.net/paymenthelp

to schedule a payment for the minimum due

and bring your account current.

 

 

PAGE? OF 2

   
   

Eni

Account no. a 235 New balance $586.21

Minimum payment due $117.00
Previous balance $538.84 Payment due dale oaoe/2018
Payments 000 it
Other credits 0.00 Late payment warning:
Purchases 0.00 {we do not recetve your minimum payment by G8/06/2018 you may
Omer debe 000 —_havetopay uptoa $37.00 lala fee.
Fees charged 87.00 Minimum payment warning: If you make only

2 ly the minimum

Interest charged 1237 payment for each period, you will pay more in interest and it will ake
New balance $506.21 ‘you longer to pay off your balancas. For example:
Past due amount 82.00 Ifyou make ne additional Youwill pay off | And you will
Credit iit $350.00 charges using this card the balance shown end up paylng an
Avatlable credit $0.00 and each month you pay: on the statement estimated total
Statement closing date 07/11/2018 . _ Inabout: of
Days in biling cycle at Only the minimum payment 8 years S810

For information regarding credit counseling services,
call 1-800-284-1708,

PERI

TRANS DATE TRANSACTION DESCRIFTION/LOCATION ANOUNT
Fees
07/08/2018 LATE FEE 87.00
Total fees charged for this perlod $37.00
Interest charged
Interest charge on purchases ‘$12.37
Total interest for this period ‘$12.37
2018 totals year to date |
| Total fees charged in 2018 9220.83 |
‘Total interest charged In 2018 $69.33

eee ene

‘Your Annual Percentage Rate (APR) Is the annual interest rate on your account. See BALANCE COMPUTATION METHOD

‘on page 2 for more details
Type OF BALANCE SUBJECT INTEREST
BALANCE APA TO INTEREST RATE ‘CHARGE,
Purchases 26.4900% (v) 549.90 (DA) 1237

 

MTne ued

In order to help you we must either receive your payment or discuss payment options with you. Our
Payment Solutions Specialists can discuss alternative payment arrangements to help you resolve this
matter. We truly want to see you through this tough time. We've helped thousands of customers with
financial difficulties. Simply visit our online Payment Help Center today at comenity.net/paymenthelp to
schedule a payment to bring your account up-to-date or to make a payment over the phone using your
bank account, call 1-888-376-6601 (TDD/TTY 1-800-695-1788).

 
 

‘Account

 

leave tear ot perforation above

 

  

ich (numer __. ILI IE-5905 |
PUNK =
ibe: $586.21 | $117.00
994
wpdated Payment must reach us by
Small adress “see arenes. Amountonclosed: Spm eT on OB/08/2078.

$, on
Please make check payable to:
COMENITY - VICTORIA'S SECRET
seg eel Eel ee eee mean on
ase rlum tis portion along wth your payment to:

JESSICA M ANDREWS.
4856 MECHANICSBURG AD APT Kt PO BOX 659728
WOOSTER OH 44691-2679 SAN ANTONIO TX 78265-9728

aeolianKeep this porlion for your records.
What 7 Do if You Think You Find A Bistake On Your Staternent

1H you think these isa euro on your statomant, write to.us al: Comenaly
amk PO Bux 189789, Columbus, Onis 43718-7787.

{In your fetter, give us the follownng information:

* Account iteenstion: Your rave and account nur

Dollar amount: Tho dollar emount ef the suspected ert.

© escngtin of Mroblems It you think taere ws an ertor on your al,
ascribe wat you believe ss wrong and why you believe it ia mistake.

You must contact us wttun 6O days atte tbe enor appested on your
statement

You nus notty us ot ery potertial errors in vat. You muy eel us. bat
you do we are rot requited fo mivestyate any potent-al eros und you may
Frave to ay the acu! in question.

ile we investigate wether or not here has ben a eo, th allowing

canna ty to coltact tb aman question. repo yous
‘delinquent on that amount

«+ Thechage m questo may renain on your siaterent. nd we may
‘continue to charge you itereston that amount. But, if wa datemune that
we made a mistake, you wll not have 10 pay the amount in question oF
any interest ov other fees relate to that amount.

* While you do not have to pay the amount in question, you are responsible
{or the ramaindar of your balanen,

© We can apply any unpard arncunt against your ereit lint

Your Rights i You Are Disatistied With Your Credit Card Purchases

1 sou ae dsaistied wi ho gods or soe ta you hve phe
wth you" exoatt card, and you Fae tniee mgood Kailh to contact tn
Seer oh heh you ay a th to To py he ean
‘amount duc an the pat

ope thi aha ol he towing ust ts
purchase mst have bre rade in aR slat or within 100

tte of yur caer naling ses andthe nrchase rice mst have

ten moe tan $50. (Notes Nihal theae te cesar your pu

‘tae bated onan adrertisereant ve mailed to you, or ne ca he company

Ita sold you the goods ov sewvices.)

2. You must have used your erat card fo the ourchase, Purchases made

‘wit cash advances from an ATI or wth 2 check that accesses your ered

‘Gand accaunt do not quail.

Seu must ot gt tly ald othe purchase.

Wall ofthe enters above are me! ard you are still dssatstied with the
sa ‘contact us sn nizing at: Comenity Bark PO Bix 182782,
tumous, Ohio 43218 2782,

wo imostigae, tho sam rules aly to the disputed amount as

iscusted abo Mat we tna gu vestigation ew ll eu ut

Seer. At thal post, we irk you ga an areount ne yu do nol pay

‘we may repual yau as delinquett

HOW TO AVOID PAVING INTEREST, Yeu dle tl caps er

{he close of each billing cycle. We val" not charge you interest on paras

$1 you py ou enti balance ty he dur date och month, We wil gin to
Foe interest on neve purchases made under a ow APR, Fqual Payment

S Budge Pent Croat Pat om tw Gate ol arches,

BALANCE COMPUTATION METHOD, We calculate interest separately for
each talanece using the mathodis) described below. The tw letters it
pparenthoses next to the Balance Subiec: to Interest Rate column in the
frees! Chae Calan secon a ths statement eaesords fo he

{0/9 hein tne teres eran on tis tance br appv he para
‘alo to tha “dally butanea” foreach day in the bln, pared. to et the
“uaily balance” we take the Leeming balance each day, edd ay ne
tranezelions ond teas ard sublrac ary payments or reds (realing ary nat
sit balance as 3 ac balance) hs wes us the day balance.

{G16 ve tigre the nterest charge cn Uns Eelance ty applying the petode
ile othe rca dl beer” fo ling peti Tot
“aye dy balan” we ake ne Benn

ra traeaclons an feos and sublet ary paymonts cred ‘ran
ty rel ret Use oss zbtoalned). The pes s ea balan.
Then, wo aed up all the daly balances forthe bling cared and dade the
total by Ui numberof days n he blir: period, This ves us ths “averape
aly Baten.”

 

 

 

 

 

 

   

  

 

   

 

  

   

 

PAYMENTS.
ay tbe 2
{he payment method you selec.

‘Correct Format. Covoct format for eiletan! payment mathods melude:
Malling or ‘Send a persona ch order, ravers
{ms Slatenert ino payenent stub aoa eeniiniyg you Uatance ad
i ou amen to the sb, nls
payenent stub an ‘ny eor-espondence vith your parent
Fel, 1 78987 04 alti re! rat

te Rants Hah Pl Fl son ao.

1800-695

 

    

     

     

   

ator Youean mate perets se

Bagman’ cal Tne, Payment cll eins fu neon sors wa
nd eighty Gc pi stra Tr i, Pay By Prone: ‘G8. ps Online: By 8.09 pr Da store By tne

 

following. mes
the slow closes atthe erat you make your payment

 

yout Account by the payment duo date Oy the tyme listed below. twee do not receive
ded to your cour or upto to days. of maybe fected. Ne, your payment mat each ust the payment extol time thal apes to

crease’ hock aya

your acount ruber your ehec, vse Ihe emelne pa
‘You should wromight a payment to 6

rxqtrnnet ese ron a ett mek pay
"nl send east ep caitvalos, Poy By Prone: You ca call tall ten
1788} to make a payment by tolephone, which may mctude a tee. One: You can take a faymien' online at wsangelcard.com.

 

CREDIT REPORTING. We ray report infomation about your accour

ua tata Late payment ted pyaar detour out

‘accounl niay be rellecled in your ered rept

NOTICE OF CREDIT REPORT DISPUTES

Iie Eline the aceoun omar repre to 8 eeasum opting

‘poncy 1s maccurato, you may subxnit w diet dispute to Gomeenty Bank PO

fox 182789, Cotumius, Ono 43218 2789. Your writen disute must

Bronce sutiient iframe deity the accu and speci wy te

{nlormation i inaceurato:

‘Account information: Your name and account number

* Contact Information: Your acsvess end telephone numer

+ Disputed Information: Icenlly lhe eecount nformetwon disputed and
explain vty you bnlive is inaccurate

'* Supporting Documentation: If available, prove a copy o! the section of
‘he eri topart sttowing the accaunt informatie you are aispsing,

‘We val investigate the disputed information and report the results to you
sethir 30 days of recep he intrmation need or cur estat.
‘Wo fied that on We reported s mnacrurate, wo il

prompty prov essary corction fo each consumer toporting
Eopney stich we pried he tannatan

PAYMENTS MARKED AID IN FULL A waten communications regarding
sfspatc anoants a cud ay cect wae pa
sarc wh ‘payer i aot

Loop 1604 ust, Suile 101, Sen at ier "apt soon.
Dot tse THe EncLobeD REMITTANCE EN\
"ie ay oat paiva er ye B09 wc fs of

  

 

   

 

na
No poyent sal eptete as. sever ae ation without or
wnllen appior

cusTOMER ERE. Misi wangeleard.com ore! 1-800-695-9478

renin MONITORING. To co you ith ih nay sevice, home
‘communication with us 1s monitored

ADDITIONAL INFORMATION. Tre loving eogratis when appearing
‘on tne font of your slatement, mean the flloxangs V meare varrable tale
Ais al ny vr VIN PAY HG cars WAI ‘NILREST, Pav
REQUIRED: (W181 LO PY meens WAIVE INIERLS?, LOUAL PAYEIEN'
INTLOM PAT mane WAIVE INTLALS), LOW BAVA: OF INT PY
nea DLILM INTERES; PAYMENT RLGUIRED: D4 INT LQ PY ans
DCFER INTER‘, EQUAL PAYER, OF IN LOWY BMT re

INTEREST, LOW FAVMLNT and LOM APR LG PAY means LOW APR, EOUAL
PAYMENT. I you have a variable mite account. your periodic rates mar vary
‘You may pay aol your facut balance a any ime thot penal.

‘Send all inguties to: CUSTOMER SERVICE, PO Box 182273, Columbus.
Oblo 43218-2273.

‘Send all bankruptey notices and related correspondence to Comenity Bank,
Banksupley Deprun, PO Bor 12125, Columns, oie 40218 2128,
NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide 3
check as payment, you aulkorize us either to use inforinat Irom your
tthatk to make @ one tre eleetrome tund translet from your acecunt cto
process the payinent as check transaction. When we use information from
‘your check to make an electronic tund wanster, funds may be wathdraym
Irom yoar eccount as soon es the same day we receive your payment, and
‘you vall nol receive your check buck ftom your fran irstitution,

 

  

 

 

your payment in a comtect fcamat coullned below) it

3 in U.S. doar 0 the name and address shown on
nous Ue ut lade yu per sl, do ot lao
ide wath ment woth ona

 

ns unis thera 1s 2 ssa, on wc cs ya flow
695 9478

 

the due sate on ts Statement in the payreant stub area at the

 

ew Information
Title (optional) Fist Name oo ot

Last Name

Street Address

pt No. ee -
city — State, ___ Zip Code. __ Foreign tap Case
Home Prone Work Phone

Email AddresskB

Visit our Payment Help Center at
comenity.net/paymenthelp
to schedule a payment for the minimum due

and bring your account current.

PAGE: OF 2

 

 

Emme meee evened
‘Account no. 336 New balance $596.64

Minimum payment due $92.00
Previous balance ‘$488.95 Payment due date o7msr2018
Payments 0.00
Other credits 0.00 Late payment warning:
Purchases 0.00 {we do not re