throbber
MIDLAND CREDIT
`MANAGEMENT,INC.
`Vv.
`
`JESSICA PALMER
`12106 SHEPHERD LN
`MOUNTAINBURG AR
`729463353
`
`CIVIL DIVISION
`
`WA028-88
`
`COMPLAINT
`
`
`th?
`STH URIS
`Seay
`PLAINTIFF
`2023 MAR -!
`PM 12: 32
`,
`
`ir
`
` “Sama&—
`
`DEFENDANT
`
`Plaintiff, MIDLAND CREDIT MANAGEMENT,INC., by counsel, sues Defendant, JESSICA
`
`PALMER, under AccountStated and in support thereofstates:
`1.
`Plaintiff is authorized to file this Complaint in this Court. Plaintiff owns portfolios of
`
`consumer receivables, which it attempts to collect. Plaintiff strives to treat its consumers, such as
`Defendant, with respect, compassion and integrity, hoping to provide mutually-beneficial opportunities
`for consumers to repay their debts andattain financial recovery.
`
`2.
`3.
`
`Defendantis subject to this Court's jurisdiction.
`Defendant established an account with COMENITY BANK, under redacted account
`
`number XXXXXXXXXXXXX-0675.
`4.
`Defendant was provided statements delineating Defendants use of the account andstating
`
`the current balance due.
`
`5.
`
`Defendant defaulted on the account.
`
`A statement of account balance was sent to Defendantand notpaid.
`6.
`Plaintiff has acquired all
`7.
`right,
`title and interest
`to Defendant's account, and has
`attempted to contact Defendant through several meansin an effort to resolve the account with Defendant,
`but has been unsuccessful. Defendanthas not repaid the balance owed on the account. Plaintiff remains
`willing to discuss various options to resolve the outstanding obligation, although the options may be
`different than they were priorto the initiation oflitigation.
`8.
`Defendant owesPlaintiff $1,182.66.
`9.
`In support of the allegations, Plaintiff incorporates herein by reference the attached
`
`Exhibits.
`
`OT AINA Cile Na) 99 179719 OOD
`
`zeeCLTTT
`[a]:
`SESSICA PALMER
`
`88425 - JJL PRO
`
`

`

`

`

`WHEREFORE,Plaintiff requests judgment against the Defendant for $1,182.66 and costs of the
`action and post judgmentinterest at the statutory rate.
`
`By:
`
`ey
`
`2010036
`KEITHA.Al
`KIMBERLYP. GLOSS 2020289
`Attorneys for Plaintiff
`P.O. BOX 772719
`MEMPHIS, TN 38177-2719
`Phone: (866) 300-8750
`Fax: (877) 653-2426
`arkansasattorneys @ mcmcg.com
`
`SUMMONSAND NOTICE TO DEFENDANT
`
`You are hereby warnedtofile a written answer with the clerk of the court within 30 days after the date
`that you receive this complaint and to send a copyto the plaintiff
`dr
`to his or her attorney. If you do not
`

`fet may be entered against
`
`you.
`
`STATE OF ARKANSAS
`
`COUNTYOF
`
`
`IED,
`a Soe £82
`
`
`
`atirt ClerkS" Van, 8
`"O%
`
`ef,
`U
`>
`ye
`FO? Digf€N 133
`
`PROOE GQ
`Ene
`>¢ 3
`IN
`s-A*
`e
`~
`ooo g
`oF
`Setetnsns oS
`“, Cyi SIS
`THALES
`
`I,
`
`, hereby certify that I served the within complaint on the defendant,
`
`at o'clock
`
`.m. on
`
`2023, by
`
`
`
`Signature/Office
`
`2023,
`day of
`Subscribed and sworn to before methis
`[To be completed if service is by someone other than sheriff or constable.]
`
`My Commission Expires:
`
`Notary Public or Court Clerk
`
`PLEASE UNDERSTANDTHIS COMMUNICATIONIS FROM A DEBT COLLECTOR.
`THIS IS AN ATTEMPT TO COLLECT A DEBT.
`ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
`
`GL_0100G File No.: 22-177712 SCP
`
`

`

`

`

`EXHIBIT A
`
`BILL OF SALE
`
`to the terms and
`Comenity Bank (“Seiler”), for value received and pursuant
`conditions of that certain Credit Card Account Purchase Agreement dated October25,
`2019 between Seller and Midland Credit Management, Inc. (“Purchaser”), its successors
`and assigns (“Credit Card Account Purchase Agreement”), hereby assigns effective as of
`the Closing Date of November 16, 2021 all rights, title and interest of Seller in and to
`those certain Accounts described in the Credit Card Account Purchase Agreement
`and Schedule | (the “Asset Schedule”) attached hereto and made part hereofforall
`purposes, to Purchaser.
`“Seller's Accounts
`(collectively,
`the Sale File
`in
`The
`information contained
`Information”) is true and complete as of the File Creation Date. Further, all of the
`information contained in Seller’s Accounts Information (a) constitutes Seller’s own
`business records regarding the Accounts and (b) accurately reflects in ali material
`respects the information about the Accounts in Seller’s possession. All of Seller’s
`Accounts Information has been kept in the regular course of Scller’s business, and was
`made or compiled at or near the time of the event and recorded by (or from information
`transmitted by) a person (i) with knowledge of the data entered into and maintained in
`Seller’s business records, or (11) who caused the data to be entered into and maintained in
`Seller’s business records. All capitalized terms used, but not defined, in this Bill of Sale
`shall have the meanings assigned to such term in the Credit Card Account Purchase
`Agreement.
`
`
`
`This Bill of Sale is executed without recourse except as stated in the Credit Card Account
`Purchase Agreement to which this is an Exhibit. No other representation of or warranty of
`title or enforceability is expressed or implied.
`
`COMENITY BANK
`.
`By:
`itef AOA
`Date:
`/2/6f2-7
`Title: Chief Credit Officer
`
`Midland Credit Management, Inc.
`fg
`By:
`thet agers
`Date.
`12/16/2021
`Title MVP of BD
`
`

`

`

`

`SCHEDULE1 TO BILL OF SALE
`ASSET SCHEDULE
`
`The individual Accounts transferred pursuantto the Credit Card Account Purchase Agreement and
`Bill
`of
`Sale
`are
`described
`in
`the
`electronic
`file
`named
`MCMG_HF_NOV_2021_DPL_CB.TXT;MCMG_HF_NOV_2021_LCS_CB.TXT
`delivered
`by Comenity Bank to Midland Credit Management,
`Inc.
`on November
`9, 2021 and summarized in the table immediately below (the “Sale File”).
`
`# of Charged-off
`Accounts
`
`Ageregate Unpaid Balance
`
`11/08/2021
`
`File Creation Date
`
`

`

`

`

`PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORIGINAL CREDITOR
`
`STATE OF: UTAH
`COUNTY OF: SALT LAKE
`
`On |
`
`ie Ct. C , 20 2-4
`
`, Bruce Bowman(“Affiant”) being duly sworn, deposes and says:
`
`In that capacity and as
`Jam over 18 and | am the Chief Credit Officer of Comenity Bank (“Seller”).
`part of my regularjob duties, 1 have custody of certain business records ofSeller, routinely review
`such business records, and amfamiliar with Seller's processes for the sale and assignment of accounts
`and business records, including those that are maintained in clectronie form,
`
`tr
`
`Seller owns certain accounts, and maintains and records informationin the recordsas they relate to
`such accounts.
`i am authorized to make the statements and representations set forth in this affidavit on
`behalf of Seller. The statements set forth herein are true and correct to the best of my knowledge,
`information, and belief, based oneither personal knowledge or review ofthe business records of the
`Seller. If called uponas a witness, | can testify competently to the facts contained herein.
`
`Myregular job duties include having knowledge of, and access to, business recordsrelating to the
`Accounts (as defined below). These records are kept by Seller in the regular course of business, andit
`was in the regular course of business ofSeller, for an employee orrepresentative with personal
`knowledge of the act, event, condition, or opinion recorded to make memorandumor records or to
`transmit information thereofto be included in such memorandum or records; and that the records were
`made at or near the time of the act and/or event recorded or reasonably soonthereafter.
`
`On or about 11/16/2021 Seller sold a pool of charged-off accounts (the “Accounts”) by a Credit Card
`Account Purchase Agreement to Midland Credit Management, Inc. (“Buyer”). The original creditorat
`the lime of charge-off was Comenity Bank.
`
`Pursuantto the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over and
`delivered to Buyer andits successors and assigns, good and marketable title to the Accounts and any
`unpaid balance free and clear of any encumbrance, equity, lien, pledge, charge, claim or security
`interest.
`| am not aware of any errors in the Accounts.
`
`In connection with the sale of the Accounts, electronic and other records were transferred to or
`otherwise made available to the Buyer (the “Transferred Records”). The Transferred Records have
`been kept in the regular course of Seller’s business, and were made or compiled at or near the time of
`the event and recorded by (or from information transmitted by) a person
`(i)with knowledgeof the data entered into and maintained in Seller's business records, or (ii) who
`caused the data to be entered into and maintained in Seller's business records, To the extent that the
`Transferred Records include records that were prepared by a third party, theyare records that were
`incorporated into the records ofSeiler as a business record and the accuracy of such records are relied
`upon by Seller in the regular course of business.
`
`

`

`

`

`7,
`
`I certify under penalty of perjury that the foregoing is true and correct,
`
`FURTHER AFFIANT SAYETH NOT.
`
`Signed this b fi.
`
`day ofDecember, 2021.
`
`ee
`
`Bruce Bowman (AFFIANT NAME)
`
`Comenity Bank
`
`this yer day of December,
`
`2021,
`
`by
`
`JENNIFER PARDUE
`>
`S\ Notary Public - State of Utah
`Comm. No. 718844
`My Commission Expires on
`
`Subscribed and swom to
`
`before me
`
`, an employee of Comenity Bank
`
`Jun 17, 2025
`
`

`

`

`

`CERTIFICATE OF CONFORMITY
`
`STATE OF UTAH
`
`COUNTY OF SALT LAKE
`
`The undersigned does hereby certify that he is an attorney at law duly admitted to practice in the
`State of Utah and is a resident of Utah, County of Salt Lake, Utah;that he is a person duly
`qualified to make this certificate of conformity; that the foregoing acknowledgment by Bruce
`Bowman namedin the foregoing instrument taken before Jennifer Pardue a notary in the State of
`Utah duly conforms with the laws of the State of Utah, being the State in which it was taken; and
`when executed by Mr. Bowman in the mannerindicated will qualify as a valid and effective
`sworn statementin suchstate.
`
`12-94-2021
`
`entH 4A Auton
`
`
`
`Date Attorney at Lawfbrthe State of Utah
`
`

`

`

`

` Field Field Data
`
`
`Account Number
`675
`Seller Account ID
`First Name
`Last Name
`SSN
`Date of Birth
`Address1
`City
`State
`Zip
`Open Date
`Last Purchase Date
`Last Purchase Amount
`Last Payment Date
`Last Payment Amount
`Sale Amount
`Charge Off Date
`Charge off Balance
`Post Charge Off Interest
`Post Charge off Fee
`Post Charge off Payments
`Post Charge off Payments and Credits
`Post Charge off Credits
`Affinity
`Alternate Account #1
`
`729768173
`JESSICA
`PALMER
`XXX-XX-8669
`
`12106 SHEPHERD LN
`MOUNTAINBURG
`AR
`72946
`02/16/2015
`12/06/2017
`$359.15
`03/05/2021
`$120.00
`$1,182.66
`10/31/2021
`$1,182.66
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`VICTORIA'S SECRET
`ee8442
`
`Accountinformation provided by Comenity Bank pursuantto the Bill of Sale/Assignment of
`Accounts transferred on or about 11/16/2021 in connection with the sale of accounts from Comenity
`Bank to Midland Credit Management, Inc.
`
`MCMG_HF_NOV_2021_DPL_CB.TXT; MCMG_HF_NOV_2021_LCS_CB.TXT
`
`

`

`

`

`PAGE 1 OF 4
`
`TTLUnactin Oe aL aeeteaLg
`Account nu
`ACR HINS AMYDBS
`
`Payment information
`New balance
`Minimum payment due
`Paymeitl due date
`
`$1,182.66
`$360.00
`11/12/2024
`
`$1,118.51
`Previous balance
`0.00
`Paymeits
`Late payment warning:
`0.00
`Other cedits
`If we do not -egeive your minimum payment by 11/12/2021 you may
`0.00
`Purchases
`_Tav6lopayuptoa$40.00late fee.
`Otherdebits
`0.00
`Minimum payment warning: It you make only the minimum
`Fees charged
`40.00
`
`payment for each peiod. you will pay mosin interest and it will take
`literest charged
`24.45
`
`you longe- to pay off your balances. For example;
`New balance
`$1,182.66
`
`Past due amount Ifyou make no additional|You wiltpay off|and you will305.00
`
`
`
`Credit limit the balance shown|end up paying an3670.00 charges using this card
`
`Available credit and each month you pay:|onthe statement|estimated total$0.00
`
`
`
`in about:
`of:
`Statementclosing date
`40/17/2021
`
`Daysin billing cycle Only the muinkiuni payment|4 yeats4H
`
`
`Forinfomation rega ‘ding edit counseling services,
`call 1-800-284-1708.
`
`
`
`
`reader to scan the QR sede orinted 07 your payne rt stub selow to get started.
`
` Skip signing in to pay and ase Comenity’s ZasyPay. It's safe and convenient. Use your smartohore came’a or cade
` Details of your transactions
`THANS DATE
`TRANSACTION DESCAIPTION/_OGATION
`
`Fees
`10/12/2021
`
`LATE FEE
`Total fees charged for this period
`
`40.00
`$40.00
`
`Interest charge on purchases
`Total interast tor this period
`
`$24.15
`$24.15
`
`$189.45
`
`2921 totals year to cate
`Total fees charged in 2021
`Total intergst cha-ged tr 2021
`
`$360.00
`
` interest charge calculation
`Your Annual Pe-centage Rate (APR) is the annual inierest ate on your account, See BALANCE COMPUTATION METHOD
`on page 2 for more details. Minimum inte-est charge may exceed intesest charge below. per your c’edit card agreement.
`TYPE OF
`BALANCE SUBJECT
`INTEREST
`BALANCE
`APR
`TO INTEREST RATE
`CHARGE
`Purchases prio’ to 07/21/2019
`24.9900% iv)
`849.95 (DA}
`18.04
`Purchases.
`24.9900% (vi
`287.88 (DA)
`6.11
`
`Additional important messages
`IMMEDIATE ATTENTION REQUIRED! Your Accountis extremely past Cue 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 onthis
`statement before ihe 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 wil find a suitable payment before the end of this month.if written off,
`LQUNTNUE3)
`NOTISE: See “averse side for impo ta it infomation,
`
` Account
`
`a38n_wAee99 GTS
`Minimum payment
`$360.00
`
`nunber
`New balance
`§ 1,182.66
`994
`Mailed payments myst reach usby6pm ET
`Yes, | have moved of updated my
`Amount
`on 41/13 2021.
`Py
`enclosed:
`e-mail address - see reverse.
`$ Please make check payable to:
`
`COMENITY - VICTORIA'S SECRET
`
`Rag ety | gf] Eee decaf Efe gl ped DD hfe [TTL] fps
`egely lag
`JESSICA PALMER
`12105 SHEPHERD LN
`MOUNTAINBURSAR 72946-3353
`
`Piease retum this portion along with your paymentto:
`PO BOX 650972
`DALLAS TX 75265-0972
`
`egret fee ede tile eeet
`
`WI4IOLLI2 O000US6S
`
`<RMMMJOL75 OOOC3b000 0001182b4
`
`

`

`

`

`
` CREDIT REPORTING, We may wo
`aboul your ascouat to
`
`
`crodil bureaus,
`Late
`pay‘nents. missed payments. of vlfer defaults ov your
`eeu Wey be etlected ciyua credit report.
`NOTICE OF CREDIT REPORT DISPUTES
`
`tnorted to a consumer raporting
`you believe the account information we
`disoute Lo Sucnenily daak O01
`@RPUCY 1S
`WAG
`CUTE. yu ies:
`arta
`
`
`
`
`
`Box L32s8%, Columbus,4 4
`278%, Your
`written dispute Tost
`
`dovide saltivigat intsrnatioGe ideatily the azeount arid specily vary Lhe
`Intermation 1s enace wale;
`© Account Intormation: Your name and accusnt wmber
`* Contact Information: Yous acess and tele chore: nonber
`
`
`» Disputed information: Ide-lily the
`WL information disputed and
`cxcolain why you beliove t 43 qlatcuratc
`en oF
`* Supporting Ducuinesbation. Waal able, wowide @
`
`
`
`bopy of the
`
`ing.
`
`
`
`Ihe ¢
`Hrepoct shoes w if
`Ful
`fraDcorti ca
`
`will wonsstpate tae disputed mitunedtiou a
`We
`
`witht 39 days of receipl ol ites calomel an
`investigawe oll
`
`
`
`uit PITCH at: degre by
`we tid that th.
`
`The peecesssary carrLie
`sendy peowidie
`porli ws
`
`
`ULeney te wtih we ocported toe tutorreation,
`
`PAYMENTS MARK ED “PAID IN FULL". All
`LET nuncab ons ee
`oor Oboe jaytteate lan
`
`viaarswilt
`
`ar aigaage, mast be seat
`
`Qoaculloa. CeO.
`Keellyvay Lop
`SR MID AML ENVL A:
`
` eur losing any at
`
`
`Ne oayment shall sperale as anaccord av satisfact on wilbout orint
`acappasd|
`CUSTOMER SERVICE, Visit comenity.netyittoriasser ret 0” call
`1-899-695-9478 DLL TY 1-800695-7 /RR)
`TELEPHONE MONITORING. Yo sruvide you with ~ipgh quality service, vince
`
`OTT IL
`law Pus is mooilored ardéor recorued
`
`
`ot the troat of your staberreait, +
`thes
`ns
`Brats yallatle pate
`fu |
`ADDITIONAL INFORMATION, |b. tullz
`sol atin, WoT appar
`This tale may varyhs WY INT DAY RO means WA VE Inte REST, PAYMENT
`
`RLQUIRLD, YV INE O02Y cigars WAIVE INT RLS. LQJAL PAYLIN: WV
`
`INT LOW PMT mrans WAIVE INTFRFST, cM PAYAFNT, DF INT PY Ra
`smears DL LYNE RLS). PAYMILNT R_DUIR_3, ULE INT 2 2Y raat.
`DFFFR INTF2=ST. FQUAL PAYMENT: DF NT OW PRT ineais GFFFR
`TNIL ($1, LOW) PAY WLAN anid LOW A? EO PAY esas DOW APR, LOQUAR
`
`PAYMPNT. If you hive a var abieiale acrouwt, your seringdi: rates nay vary.
`Yourumy vay al et you Ave ogiit talauce at any thug vaithuut penalty,
`Send alt inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus, OH
`43218-2273,
`Send all bankruptcy nutices and related correspondence to Comenity Bank,
`Bankruptcy Department, PO Box 182 125. Columbus. OH 49218-2125
`NOTICE ABGUT ELECTRONIC CHECK CONVERSION. When you orovwic a
`
`check as payment, you authorize Ws dither to ase infomation tom
`yur
`check Eo take aove lime electronic lund transfer Tron your acount o/ Lo
`
`MOCCSS 1% PayMoNt as a check traysaction, When we asc mtomation’ trom
`
`your check
`Ip take an eleedonic durid daacyster,
`|
`hay be wrtidrawr
`tom your accou it as soon as the same day we receive yous paynent, and
`
`
`you ow (nol ateive youl chek bac« Foryour lisancbal institutions.
`
`
`ftppthis purtionfur your records. —
`hat To Do if You Think You FindA Mistake On Four Statement
`yea think thers is an c~or en your state TnL, wnte to Us al: Comonity
`
`ath 7 Sox 182782, Columous, OI 12
`1B 27K2,
`
`your fedler, give us the:
`fllowing: sfortnal ion
`Account inoreialra: You nae and aerounll nariber,
`Quller atouat: Fhe dulhar aricunet ob Pie sorspestied ipo,
`
`
`Deseration
`uf Hable: | you thins tie is angrilyball.
`desiribe waal you selieve is arocuy arid wayyou elite i ise mi stake.
`ducmust venfact us within bG days abter te cre sapped ed ery
`mismo,
`
`du cbost notihy us of any potewbidl arcuis ae wert
`fe, You Hey callus, out it
`ilential seus and you tray
`de we wie not required te restate aay
`
`awe to pay Fe amour quest on.
`hile we rwestigale wnelier of nol there has beet an crrur, fie tullowing
`e lie:
`We cannot ly to collect tee anouat 17 question, or repel you as.
`elingaon! on al aneuad
`
`dhe
`charge in queslian dey renaiclen your slslenent, ated ae may
`
`
`
`cont wae lo chatge
`pou inleest om tial
`Ja. Gat, i we de lanmine Dat
`we clade aritista<g. you wal tot have by peg Ce avant ter questions s1
`
`any Intgrest of other tees ehated tu thats neil,
`Wilt you do not have to pay the amount i questios, you are resounsioke
`tor tie renalider of your ba ance
` i} licrvit.
`We can apply any wpaid aneual agaiasl your ¢
`aur Rights if You Are Dissatiotiod With Your Credit Card Purchases
`yea ate Dissalistied 9 1 tle pouds,
`8s thal you ave pochesed
`
`&
`
`ith your ceedit raed, and you have tind
`in good faili ta correct the
`vlan with tre nerchant, wou nay have tae right aut to psy the verging
`
`mount ar n7 Tho ours has,
`use this ripht, all ub the lolluwigs must Ge tae:
`Ihe purchase rust have been ada in pour tome stale um withia LOU
`les of your cuctent Tallag adéress. aad ihe purchase orice must have
`tet inore than $o¥, (ele, Neither of these is necessa’yIP your purchase
`as 23500 on a7 advertisement wo mailed to vos. on Ht we own toe comoany
`at sod you tae goods or sevess)
`You Must vave used yout ctcdit card for tye purchase. ?uic1ascs made
`Uh cash advices bronan AG on wilta chevk Uval accesses your credit
`id account du net quality.
`Yos must iol yet Rave bully paid tor Ui pore tse.
`
`all of the
`critetia above are mel and you are sli | dissatislied with Ihe
`Pehase, coctack os ie wediat: Conetily Gank 2D Box 182782,
`Wumnbas, O4 43218 2782.
`
`
`hils weinrwesligais, the sane rales apply lo Die dispuled anol as
`scussed abuve, Alber
`we fivish our amestingtion, we will tell you oul
`
`cider AL THal pal if ver think you nae ac arpord and your de nol cay
`nay usvurt you as del (ie) deat
`OW TO AVOID PAYING INTEREST. Your due daleis af Inasl 25 days afl
`a close of cach silline cycle. We wi
`| not charge you inlerssl o4 pathases
`you pay your euitine balynige by the due date seach nett, We will ogibo
`ago interes! on anw purchases made uoder a Low AP®, Fqual Payneat
`Sudget Payinent Cedit Shan Porn te date yf purclidse,
`WLANCE COMPUTATION METHOD. We calc slate interest separately tur
`ch balance using the metiedis} described dalow, Ine tye kettos in
`lenigses next to le Dakance Subject lo lalevest tale colinin the
`terest Chante Calc ulation s2ctl07 on ts statement Conpsponds to tac
`| ow IE:
`A) Wo Mure tae interost change on thts balance by applying the 3¢7rodic
`We tu the “dai y Salas” for each day in he Lilling veriod.
`tu get Ive
`aly oalaqce” we Lake tte boginning balances cacn day, add ary new
`risaclions aid lees and sustact any paynets ow cedits (dealing any cet
`adit balatee a3 a zco oalawe). [his gives us tic daly oala‘tce.
`O) We tigate ihe ialerest omespe on isis balance by apolyig Die perisdic
`
`& ty the “avsrage da dy balance” tor tae billing prot od. Io
`ect the
`
`velage de fy balance” we take Ue begining oalauce eas
`wad aie
`
`
`w transact ens and tees and sublract any sayments or credits (uicakiie
`yugtcredit :alawe as a ze balance), |tis pives as tie daily balance.
`on, we add up all tae davy 2alanccs for the Sul 1g period and divide the
`
`al by the suipuer of days theo) ling, sesiod. Uhis gives us the “aera
`ly Dalance.”
`
`
`
`
`YMENTS. Cay your Account by Ine payinenl dun dalby foe lime listed below. [Due de ned eceive your vaginent ina correct leemeal fouling selva) il
`
`fy rot toe
`20 fed tu your Accuant for uy to Hive days, or ty be ejected, Aye. your payineait: Gust reeeh ay Dy thes pegent cutvtl tise: that avplies te
`sasaynneit method you select
`rect Format. Cunec! Jorma’ lor dillerent paynend anediads incl
`6 SUIT DT
`PUSS. dollars, lo le cane avel
`
`
`iifing or Overnight: Sevxd a vessucal check, iorey odes,
`lraveber’s check on ashi 's coeck payed
`
`
`
`$ olateme wd athe cayment stut aca coataii yz your balance add ninensm payment amaunt. 3 stub, Jo not stap¢orJre tu in¢ludz your payme yt
`
`SiR.
`Mate the:
`yur pay nest tu the stub, pictude
`Pavcou it unoe AyLt dy
`Polio provided oH pyvor Statement, seied vtke poayrane it ret seie
`
`
`
`yen! Shab ane
`amiphl a pray nerd to BQN kp
`
`
`way ive, Suile 128) Caro! lon, TX
`
`O06 and Ihe
`- spearsWwe willy
`At prayerWo You
`:
`nay
`Hens UlaTher is dispula, i wheh oc
`
`
`
`
` PUANSE CE
`Me ok see
`wher "Paid In F
`y By Phone: You can call as toll feaat) BGO
`
`alee, Onfine: You ca nakir a pay neat ondiney at so nenity.nicte
`
`
`
`
`300
`695 1788) to make a paytn
`helt
`store: Yea can nake play qeats a stuee,
`
`yment Cutoff Times. Paynent catoll ti
`
`
`fdeadlices Jur as fo eceive paynenis are:
`i
`ne dug date on dais Staleinedd in Cie payten slab ara all
`
`
`£200 pow {6 1): Online: dy 6:90 pen fT): ane de-stere: Jy ie line
`Ode ig dines: Mailing and Overnight:
`1D pire Fessiess Tine (73); Pay By Phone:
`posture cluses at fre bucetenyuinake your sayieut,
`Now Information
`
`Tite doptional)
`Last Name
`
`First Name
`
`Suc. Sec. N
`
`Mi
`
`Steet Address
`Apt Neo
`City
`Home Phone
`
`Eimasl Adirest
`
`PG Flow
`
`

`

`

`

`PAGE 3 OF 4
`
`Additiona! important messages - continued
`the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the
`appropriate steps. as permitted and available under applicable law, to protect our interests
`
`Affected by COVID-19? Comenity Bank Offers Support
`Ags the bank that manages your crectit card, our hearts go out to those affected by the coronavirus
`(COVID-19) pandemic.
`The support we're extending to you. If you're experiencing financial hardship because of COVID-19.
`please call 1-800-695-9478 (TDD/TTY: 1-800-695-1788) to discuss how we may beable to help.
`Account Center is available 24/7 for you to manage your VICTORIA'S SECRET account
`online. You can make payments and view your balance. transactions and statements online. Not yet
`registered? Visit comenity nevvictoriassecret, enter your VICTORIA'S SECRET credcard account
`number and ZIP code, then verily your identity.
`We're looking out for you. We remain focused on the health and well-being of our customers and
`associates, and we'll continue to stay on top of what's happening during the pandemic so we can best
`support you.
`
`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 $40.00 for any subsequentlate payment. In addition, we May reverse
`the credit and repost the charge to your accountif you fail to make the minimum payment due on or
`before the due date in the next billing pericd.
`
`Protect yourself against mail and phone consumer fraud.
`http://about. usps. com/publications/pub28 1/welcome.him
`
`YIIDLLI2
`
`OOOOUSb4
`
` |<MMMMOL?S OOC03b000 0001182bb
`
`

`

`

`

`
`
`
`
`
`

`

`

`

`SEE IMPORTANT INFORMATION SECTION FOR DETAILS.
`
`THANKS FOR BEING ONE
`OF OURFAVES!
`
`GET THE LATEST ON ALL YOUR PERKS!
`SIGN UP FOR EMAIL! AT THEPINKCREDITCARD.COM,
`
`PAGE 1 OF 4
`
`$762.75
`$40.00
`04/12/2021
`
`Summary of account activity
`Accourit sto
`saaAES ManeB75
`
`Payment information
`New balance
`Minimum payment due
`$865.27
`Previous balance
`Payment dug date
`“120.00
`Payments
`0.00
`Other c-edils
`Late payment warning:
`0.00
`Purchases
`if we do nol ‘eceive your minimum payment by 04/12/2021 you may
`Other debits
`0.00,
`Pave10PayUP10a40.00ateFORnn
`Fees vharged
`0.00
`Minimum payment warning: Il you make only the minimum
`
`terest charged
`17.48
`paymentfo" each period, you will pay move in interest and it will take
`
`New balance
`$762.75
`you longa: to pay off your balances. For example:
`
`Past due amount It you make no additional|You will pay off1And you will0.00
`
`
`
`
`
`charges using this card
`Credit limit
`$670.00
`Avyailabie credit and each month you pay:|onthe statement|estlmated total50.00
`
`
`
`
`
`
`of
`In about
`Statement closing date
`0G/17/2021
`
`
`Only the sininur payent
`Daysin billing cycle
`ei]
`For info-mation rega-ding c’edit courseliiKy services,
`call 1-800-284-1708
`
`
`Account Questions? Need to mace a sayment? Want to know row to go daperless?
`Visit comenity.netVictoriassecret o* call 1-800-695-9478 (TDO/TTY 1-800-695-1788),
`
`Skip signing (7 to pay and use Comenity's -asyPay. It's sate and convasieat. Use your smartohore came’ or code
`
`ae
`
`reader to scan the QR code awinted 07 your payme it stub selow to get started
`don't miss out.
`
`Vicloria's Secret Credit Card Account Summary
`
`Rewards Summary
`Current total points*. 0
`Points to next reward: 250
`
`Tier Status Summary
`Current Tier+: Cardmember
`Dollars to next tier”: $250
`
`Receive a $10 reward? within 3-6
`weeks for every 250 points
`earned!
`
`CARDMEMBERSAREFIRST!
`Get exclusive offers, event
`invites and early access to major
`sales throughout the year, Sign
`up for emails at
`ThePinkCreditCard.com so you
`
`Details of your transactions
`TRANS DATE.
`TRANSACTION DESCRIPTION/ILOCATION
`
`63/05/2021
`Fees
`
`PAYMENT - THANK YOU
`
`Total fees charged for this period
`
`Interest charged
`Interest charge on purchases
`Tota? Interest for this period
`
`2021 totals year to data
`Total fees charged in 2021
`
`Total interest cha'ged in 2021
`
`NOTICE: $66 ‘averse side For impo-ta it info-mation.
`Please tear at perforation above
`
`IPITINIE
`
`J
`
`Yes, | Nave moved or updated my
`e-mail address - see reverse.
`
`<muE]
`a =
`BES
`
`Amount
`enclosed:
`
`AMOUNT
`
`-120.00
`
`$0.00
`
`$17.48
`$17.48
`
`Account
`nunber
`New balance
`$762.75
`
`$40.00 993
`
`Seen SOEFRR OBE
`Minimum payment
`
`Mailed payments myst reach us by 6pm ET
`on 04/42/2021.
`
`ween EL aay Tyg rE elgg dL [eto Md NT po tpt yad pe RDNA pe ple HEE bay
`JESSICA PALMER
`12106 SHEPHERD LN
`MOUNTAINBURG AR 72946-3353
`
`
`Please make check payable to:
`COMENTTY - VICTOR:A'S SECRET
`
`Please retum this portion along with your paymentto:
`PO BOX 659728
`SAN ANTONIO TX 78265-9728
`
`Age] NL fel eve ty eg Lega h Need ty dee tell
`
`4490L2¢ O09000L95 RE O75
`
`DOOCU#000 OO0D07be?S5
`
`

`

`

`

`
`
`
`CREDIT REPORTING. We tnay repod infermalied abeul yar ancound tn
`u this purtivi fur your records,
`credit burcaus. Late pay:nenis, missed payments. of offer defaults 07 your
`at Fo Doif You Think You Find A Mistake On Your Statement
`aac suanet mney be reflected 1 your credit rept.
`aa think there is an e-er on your state neat, write tous at; Comenity
`
`NOTICE OF GREDIT REPORT DISPUTES
`Ik 70) Son TRO SRY, Culuous, Ghia 23278 2 fae
` 2 follwing calocinal ian:
`
`Suraie, vod Way Sabri Ga divest
`disoute lo Gonenily chek PD
`-
`.
`,
`dH you belove th account intormation ‘we ‘cported toa consumer Toporting,
`sar teller, give us|
`
`
`
`
`locas tutonealian Yau 1
`arittsn disputs must
`and accoan! namiber
`Darifer agra: Vee dalbs aniountal Cie saspected etter,
`aide satlicient qlornalipy to ideatily Une account and specily ety Lhe
`Jescenptun of Rrablens Ibyou thei bere is anecdon nyse Gill,
`infer matron 15 nace wate;
`
`lescribe what you oelinve ik wie
`
`gard ary pou veliewe18 @ nl shake, © Account Intormation: You neme2 and account wMber
`* Contact Information: Your addesss and felyohae: namnber
`srusll
`Host cundact us within OU days after Ge vie appaed wer yue
`* Disputed Information: Ide-alily Ihe axcaunl infurmnating dispuled and
`
`exolain why you believe ¢ 15 accurate
`
`* Supporting Documpntation: I avai able, provide a copy of the section of
`ec!fitgs. Youtray callus, Sut it
`Hust catity us of any potential avis ie
`
`
`The cred trepocl she ag ites seesunl inferniadionyou are liso ating
`da we ale tit eyuired to
`Casate sup curberrbeal otros wind you may

`”
`@ le pay De anal ri dqaest on,
`We will inmesteate toe disputed (utenration aed gport the es alts to you
`
`plat tie viounal on weeded for sur investigation. If
`le wee ycstigate wether ur nolthere has beer an orror, Ue talkowiny:
`wath3G days oft
`
`‘we
`tind that the dcpunt tatucnation we
`reputed is tacuurale, ae wel
`Wie:
`iid
`US
`Me Fe
`4
`3
`AM
`aE
`GW
`“te
`:
`ery
`ot
`reps
`yecane s tocollect Me AOUTEN Question, ot repoyou as.
`sionotly prowidet Lhe aiecessary ceric linc i) eae t conkumer
`-eparliyg
`FRAT HE
`aerray tu wails ported te miter uedtion.
`ats
`
`
`question thay penal on your slalenent, arc
`we may
` "AL wil
`5
`
`alions. tagarding,
`
`
`cor alher
`Hinslamet
`
`re you interest on (tal award. Guid! we delarmine bat
`PAYMENTS MARKED "PAID IN FUL!
`
`tase. you will not Neve ty pay He arroutit ns question oF
`Peaeracinea inclade any
`Test
`ber
`areal
`toy
`6880
`
`
`
`
`ly iiterest.o ther teas elatyd fu that emeant. a Tasaesta Yo3rfsaaie VAT ' '
`
`
`
`
`
`Vale you de not have topay the amtaunt im quastion, you are respansloke
`NeFeeeenAhaha peead“ra
`
`or tng renanidor oI your ha anes,
`oo
`We
`nay acenpl payment seat Lo any other adress withsul hosing ay of
`Ve can aaply sty uqpaid anonagaiosl your credill lim.
`uur
`riphits
`
`we Rights Hf You dirs Dissatistied With Your Credit Cad Purchases
`yinctl shall sperale as an accord aqsatisfacl on wilheul ott
`wotled approval.
`
`waaie dissat
`ied w lo Ue poueks ui services thal
`you dave pace eer
`.
`.
`a
`.
`.
`
`
`1
`Sour crest
`satel
`anedyoRenee isd nord Caleta cased His
`CUSTOMER SERVICE. Visit comenity.netivictoriassecretor call
`
`here nith te nierctand. yoteay hae toe eight nud to pay the rerrainiy,
`1-800-695-9478 (TDOVTTY 1-800-695-1788),
`dant duro the surchase
`TELEPHONE MONITORING. fo srovide you with ight quality sence, piers
`communization w lus is ho ilved areifor recorded.
`asz Unis right, allied the bolloved us must We tae:
`
`ADDITIONAL INFORMATION. [he tuflowng dusgaiations,1 appearie
`the parehase inust have beesimad? in your home stale ye witha 130
`es of your cu~ent nalllog address. and Ine purchase orice must have
`unr the froutyt your statement, meet the fo lieing: Voneans variable pate
`ni mere than $20. (Neto, Neither of these 1 necessa’y IP yuur pachase
`Tinis rale may vary); Wi INT OAY RQcneans WA YF INT? RFT, PAYMENT
`> Dased on an advetisamant we mailed to you. of Ihave avn tie coma
`REQUIKLD; 4¥ INT LO PY irieats MAIVL ING RLS, Li3JAL PAYMLNI; W¥
`
`t sold you Ine goods ar se'¥ C250)
`INT 1 CAV PMT mans WAIVE INTEREST.
`| OW PAYMFNT: DF ENT PY RQ
`fo must ays used your credit card lor te purchase.
`“uricqases made
`smegies DLL INT XLS 1, PAYMILYLR QUIER 2, ULE INE 2G) OY teats
`heash achwnces human Ald or wiltta chevk (iat accesses your credit
`DFFFR INTF 2ST, FRUAL PAYMENT; DF INT OW PRIT meas DFFFR
`
`@ account
`de not quality.
`INILZUS}, LOW PAY NILA ated LOW AH LIQ PAY create LOW APR, LQUA.
`
`fos tiust wut yet weve dually period tur tha
`chase,
`PAYMPNT. If you have a vat able rale acceul, your setiodi: rales may vary.
`
`Yuanay pay al ut you: Account sdlaice at any tie withvat pet ralty.
`let the etileria abuses are mel aad you are sli | dissalislisd wilt [be
`
`Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus,
`cl as ee werifiog al: Goomectity Bank 70 Box 182/82,
`Ohiv 43218-2273.
`ius S32L8 27B2.
`
`
`
`
`[ae disputed anor as
`
`ie we Pvestigale, ther
`sane rales apply lo
`Send al! bankruptcy nutices and related correspondente to Comenity Bank,
`
`ed above, After we tosh our iesticgtion, se will tell you our
`Bankruptcy Department, PO Box 182125, Golumbus. Ohio 43218-212

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