ELECTRONICALLY FILED
`IN THE GARLAND COUNTY DISTRICT COUR District Court Clerk
`CIVIL DIVISION
`2023-Feb-24 03:55:11
`HTCV-23-126
`DHaGKHE:
`18 Pages
`
` Dackery Femandez, Garland Co.
`
`DL
`
`No.
`
`DEFENDANT
`
`MIDLAND CREDIT
`MANAGEMENT,INC.
`v.
`
`AMANDA JOHNSON
`351 BLAKEHILL LOOP
`HOTSPRINGS NATIONAL
`PARKAR 719139170
`
`COMPLAINT
`Plaintiff, MIDLAND CREDIT MANAGEMENT,INC., by counsel, sues Defendant, AMANDA
`JOHNSON, under Account Stated 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.
`Defendantis subjectto this Court's jurisdiction.
`3.
`Defendant established an account with COMENITY BANK,under redacted account
`
`number XXXXXXXXXXXXX-3146.
`4.
`Defendant was provided statements delineating Defendants use of the account and stating
`the current balance due.
`
`Defendant defaulted on the account.
`5.
`A statement of accountbalance was sent to Defendantand not paid.
`6.
`Plaintiff has acquired all
`right,
`title and interest
`to Defendant's account, and has
`7.
`attempted to contact Defendant through several means in an effort to resolve the account with Defendant,
`but has been unsuccessful. Defendant has 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 owes Plaintiff $1,103.53.
`9.
`In support of the allegations, Plaintiff incorporates herein by reference the attached
`Exhibits.
`
`GL_0100G File No.: 23-11677 SCP
`
`

`

`WHEREFORE,Plaintiff requests judgment against the Defendant for $1,103.53 and costs of the
`
`action and post judgmentinterestat the statutory rate.
`
`KEITH A. AIKEN 2010036
`KIMBERLYP. GLOSS 2020289
`Attorneysfor 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 warned to file a written answer with the clerk of the court within 30 days after the_date
`
`that you receive this complaint and to send a copy to the plaintiff or to his or her attorney. rREDI
`
`file an answer within 30 days, orif you fail to file an ayfswer,
`a default judgment may be eyitety Fagaes
`
` gf
`ge
`
`
`AS,
`oan
`
`you.
`
`
`
`District Court Clerk
`
`PROOFOF SERVICE
`
`STATE OF ARKANSAS
`
`COUNTY OF
`
`, herebycertify that I served the within complaint on the defendant,
`I
`
` att o'clock
`im.on____ «2002, by
`
`a S
`
`ignature/Office
`
`
`2023,
`day of
`Subscribed and swom to before me this
`[To be completed if service is by someone other than sheriff or constable.)
`
`Notary Public or Court Clerk
`My Commission Expires:
`PLEASE UNDERSTAND THIS COMMUNICATIONIS FROM A DEBT COLLECTOR.
`THIS IS AN ATTEMPT TO COLLECT A DEBT.
`ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
`
`GL_0100G Fite No.: 23-11677 SCP
`
`

`

`EXHIBITA
`
`BILL OF SALE
`
`Comenity Bank (“Seller’), for value received and pursuant to the terms and
`conditions of that certain Credit Card Account Purchase Agreement dated January 4,
`2021 between Seller and Midland Credit Management, Inc. (“Purchaser”), ils successors
`and assigns (“Credit Card Account Purchase Agreement”), hereby assigns effective as of
`the Closing Date of November (9, 2021 all rights, title and interest of Seiler in and to
`those certain Accounts described in the Credit Card Account Purchase Agreement
`and Schedule | (the “Asset Schedule”) attached hereto and made part hereof for all
`purposes. to Purchaser.
`(collectively, “Seller’s Accounts
`The
`information contained in the Sale File
`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 all material
`respects the information about the Accounts in Seller’s possession. All of Scller's
`Accounts Information has been kept in the regular course of Seller'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(ii) 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
`Agrecment.
`
`
`
`This Bill of Sale is executed without recourse exceptas stated in the Credit Card Account
`Purchase Agreementto whichthis is an Exhibit. No other representation ofor warranty of
`title or enforceability is expressed or implied.
`Midland Credit Management,Inc.
`COMENITY BANK
`fog
`By: bead Fagues.
`By: Yt
`
`
`Date: Date:_12/22/2021_/2/G
`
`Title: ChiefCredit Officer
`Title MVP of Business Development
`
`
`

`

`SCHEDULE 1! TO BILL OF SALE
`ASSET SCHEDULE
`
`The individual Accounts transferred pursuant to the Credit Card Account Purchase Agreement
`
`
`
`and=:Bill ~=—soof=~Sale=—sare—described=in’=the~——selectronic=file=named
`MCMG_MF_NOV_2021_DPL_CB.TXT;MCMG_MF_NOV_2021_LCS_CB.TXT delivered
`by Comenity Bank to Midland Credit Management, Inc. on November 12, 2021 and
`summarized in the table immediately below (the “Sale File”).
`
`# of Charged-off
`
`Aggregate Unpaid Balance
`
`Accounts
`
`File Creation Date
`
`41/10/2021
`
`

`

`EXHIBIT B
`
`CLOSING STATEMENT
`
`AGREEMENTDATE:
`
`January 4, 2021
`
`SELLER:
`
`PURCHASER:
`
`COMENITY BANK
`
`Midland Credit Management, Inc.
`
`FILE NUMBER:
`
`MCMG_MF_NOV_2021_DPL_CB.TXT
`MCMG_MF NOV 2021 LCS CB.TXT
`
`
`November 19, 202! WIRING INSTRUCTION
`
`NUMBEROF ACCOUNTS:
`
`TOTAL UNPAID BALANCE:
`PURCHASEPRICE
`PERCENTAGE:
`
`PURCHASEPRICE:
`
`FILE CREATION DATE:
`
`November 10, 2021
`
`
`CLOSING DATE:
`
`

`

`
`PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORIGINAL CREDITOR
`
`STATE OF: UTAH
`COUNTY OF: SALT LAKE
`
`On { De cb, 2a@y
`
`. Bruce Bowman (“Affiant”) beingduly sworn, deposes andsays:
`
`1 am over 18 and I am the Chief Credit Officer of Comenity Bank (“Seller”). In that capacity and as
`part of my regularjob duties, | have custody ofcertain business recordsofSeller, routinely review
`such business records, and am familiar with Seller’s processes for the sale and assignment ofaccounts
`and business records, including those that are maintained in electronic form.
`
`Seller ownscertain accounts, and maintains and records information in the records as they relate to
`such accounts.
`| am authorized to make the statements and representations set forthin this affidavit
`on behalfofScller. The statements set forth herein are true and correct to the best of my knowledge,
`information, and belief, based on either personal knowledge or review of the business records ofthe
`Seller. If catled upon as a witness,| can testify competently to the facts contained herein.
`
`My regularjob duties inctude having knowledge of, and access to, business records relating to the
`Accounts(as defined below). These records are kept by Seller in the regular course ofbusiness, and it
`was in the regular course ofbusiness ofSefler, for an employee or representative with personal
`knowledgeofthe act, event, condition, or opinion recorded to make memorandum or records or to
`transmit information thereofto be included in such memorandum orrecords; and that the records
`were madeat or near the timeofthe act and/or event recorded or reasonably soonthereafter.
`
`On or about 11/19/2021 Seller sold a poot ofcharged-offaccounts (the “Accounts”by a Credit Card
`Account Purchase Agreement to Midland Credit Management, Inc. (“Buyer”). The original creditor at
`the time of charge-off was Comenity Bank.
`Pursuantto the sale, Sellersold, transferred, assigned, conveyed, granted, bargained, set over and
`delivered to Buyerand its successors and assigns, good and marketabletitle to the Accounts and any
`unpaid balance free and clear ofany encumbrance, equity, lien, pledge, charge, claim or security
`interest.
`1 am not aware of any errors in the Accounts.
`
`in connection with the sale ofthe Accounts, clectronic 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 ofSeller’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 knowledge ofthe data entcred into and maintained in Seller’s business records, or (ii) who
`caused the data to be entered into and maintainedin Seller's business records. To the extent that the
`Transferred Records include records that were prepared bya third party, they are records that were
`incorporated into the records ofSelier as a business record and the accuracy ofsuch 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 _
`
`¢?
`
`____day of December, 2021.
`
`Bruce Bowman (AFFIANT NAME)
`
`Comenity Bank
`
`Subscribed
`
`and sworn
`
`this bo day of December, 2021, by
`to before me
`an employee of Comenity Bank
`
`
`
`JENNIFER
`PARDUE
`Notary Public - State of Utah
`Comm. No. 798844
`Commission Expires on
`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 ofSalt Lake, Utah; that he is a person duly
`qualified to makethis certificate of conformity; that the foregoing acknowledgment by Bruce
`Bowman named in 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 statement in such state.
`
`"2-4-2024
`
`Date
`
`eet 4A Auton
`
`Attorney at Law fir the State of Utah
`
`

`

`146
`
`1088367278
`AMANDA
`JOHNSON
`XXX-XX-3551
`
` Field Data
`Field
`Account Number
`Seller Account !D
`First Name
`Last Name
`SSN
`Date of Birth
`Address 1
`City
`State
`Zip
`Home Phone
`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
`
`351 BLAKEHILL LOOP
`HOT SPRINGS NATIONAL
`AR
`
`71913
`8708280396
`12/23/2019
`06/05/2020
`$42.04
`03/19/2021
`$75.00
`$1,103.53
`10/31/2021
`$1,103.53
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`STAGE
`
`Accountinformation provided by Comenity Bank pursuantto the Bill of Sale/Assignment of
`Accounts transferred on or about 11/19/2021 in connection with the sale of accounts from Comenity
`Bank to Midland Credit Management, Inc.
`
`MCMG_MF_NOV_2021_DPL_CB.TXT; MCMG_MF_NOV_2021_LCS_CB.TXT
`
`

`

`PAGE 109 4
`
`Avcourd tw.
`setepose50093448
`belay
`$1,103.53
`Mindrum paymynt due
`$365.00
`
`
`
`pris balance 11/96/2021aymunts, $1,030.27 Payment due date
`0.00
`Other c-vdhis
`0.00
`Late payment warning:
`Purchases
`000
`if we do nut -uceive your manimum payment by 11/16/2021 you may
`Other dubits
`0.00
`NaNONOPAYUPtO.$40.00NaNFOReee.
`Foes uharged
`40.00
`Minimum
`.
`.
`peyment werning: W you make ordy the minimum
`iderest charged
`24.26
`payment fo’ each pe-tod. you will pay move in inleres! and itwill take
`New Dalence
`$1,108.53
`you tonge:to pay off your balances. For example:
`Past due amourt
`310.00
`Credit limit
`$850.00
`Avaliable credit
`$0.00
`Statement closing date
`1921/2021
`Days in biting cycle
`
`3 cam1-800-284-1708.
`
`
`‘Foes
`so/1e/2021
`
`LATE FEE
`Tots! feee charged for thie period
`
`40.00
`$40.00
`
`raeeee5spormmenememmeneamnaneniei
`interest charge on purchases
`$24.26
`Totel interest for thie period
`$24.26
`
`Total fevs charged bi: 2021
`
`Total bauryet cha-gud in 2021
`
`Your Anwal Pe-centage Rate (APA)is the arewn!interest “ety on your account. See BALANCE COMPUTATION METHOD
`on page 2 for move details. Minimum ime-est charge may exceed interest charge below. per your ced card agreement.
`TYPE OF
`GALANCE SUBJECT
`wrenesT
`BALANCE
`apa
`TO TEREST ARATE
`CHanae
`Purchases prio’ to 03/31/2021
`26.9900% .v)
`782.68 (DA)
`18.17
`Purchases
`26.9900% iv)
`265.76 (DA)
`6.00
`
`WAMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a
`bad debt at the end of thig month. To avoid this, you can pay the Minimum amount shown on this
`statement before the end of this month. It you are not able to pay the Minimum Payment amount. we wil
`still be able to assist you and prevent your account from being written off. Call us at 1-865-617-8089
`(TDOVTTY 1-800-695-1788) and we will find a suitable payment before the end of this month.If writen off.
`(CONTEot
`NOTICE: See ‘oversee side for enpote4 into-mation.
`
`
`
`Cicomenity =
`=bala
`Minimum payment
`Amount onliMtnpgseuchOySom€F
`
`CT)
`
`Yoo. Ihave moved ur updated iny
`e-mail address - see reverse.
`
`$AfgersbDggegaggggfOoKedaGgtgategAUgfyaforenggothdfogAfgey
`ootBLAKEMIL LOOP
`HOT SPRINGS NATIONAL AR 71913-9170
`
`Please retum this portion along with your payment to:
`PO BOX 650112
`DALLAS TX 75265-0112
`
`Please make check payable to:
`COMENITY - STAGE
`
`VaeGatghghtDAGNANfggetggaglegegegggglOfos]oOtyolffafegeogett
`
`04300124
`
`90000943 GR34> «6000036500 000310353
`
`
`
`.
`
`°”
`
`

`

`
`
`
` CREDIT REPORTING. Wi: onay repel
`ind:wmation aboed yoann bo
`t To Do W You Thiak You FindA Mistake On Your Staternent
`creda burcaus. Late paymants, ‘néssod aayriants, of other defau ts un your
`ataant deg berate nd vyo siedlit wpa,
`8 thunk thers 15 an Cor on your stateNOH. ante lous at: Comonny
`8D Sie DADPR2, Solriregs, (hei6.5718 7/AP
`NOTICE OF CREDIT REPORT DISPUTES
`It you bobeve th: account information we tportsd toa consumer porting
`
`tas betters, games cas there Fcollenniangy “eteeenoel iets:
`wees is mcrae, pus tose Se 1s Best
`fissate tn Cacteetity stork At
`revel felonmaion: Noa wae acl occosd nan.
`Gon 192/59. Columbus, Jh 0 152 18 2/8. You sidion dsputs mast
`uillee weet: Vee Suite aesat ub re srpercind ee’.
`
`aurside salicia ilvetativ’ bo deity tee accomod speciy otyy the
`nbormation ts inact Bale:
`wecesahue of Pexbhen: Wyue thee breve is
`ser yo tall,
`© Account Intormation: Yur nance and accowribc
`neeihe weld you oalinve 6: ang and wey you telinwe i i a ne stake.
`© Contact Information: Vier ables send tebedcnes nates
`oust vundect us aeinie OF Suys ult Ue tree que ed 2 yun
`© Dispeted information: tbe-wily thee: ac:cenar icdkcoeteattems olisgusters! weal
`iment. Yos mast wally Us ot shy Notcatisl C-tore 10 aNhNG. Tos may
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`thee count toesscl stetoms ag there wiecmend indeneice:icoye ese fintyHong,
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`slanguett unVel ard,
`withi7r 39 clays of vecsripl ol due formed coe sencebsd fsa cmt uevestigadiers.Of
`fee cheaepe fan quentivce vay vecanisn peau state-inee, and oe stay
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`at can: ty thsyy you metareat on (rat weno, U8, oes Ootarnnes et
`aurivaly wrovile Ine nncasvay centin hy eet coreasne eprelig
`© Thade amata<:. you wl not nave to pey th: amcunt an quostie? oF
`qcany Wewh a: opted (1: adumann,
`Oy WATCH on Othe? tess clated to thal ast.
`PAYMENTS MARKED PAID IN FULL’. All written comnmcation
`fale you du mut teen: to poy the amciunt in aprestins, yon ane eesporedok:
`“Tyedling digude:d anuunis bel inclete any chee 4 on cde anyictd
`6 Uwe renates of yom bee ance.
`embed ened © 14 “peyiend ae bull” wo sinite: berqnnare, sunt bw sant
`fe cane anply aq wepeld eteud apiet your cowdit Genit.
`fas SUUD Kathowy Urens, Su be LZ)Caneulit.as. 1% (000).
`D0 NOT 11S= TH? F W095" REETTANGE ENVE °>>5.
`¢ Rights t YouAre Olssatictied With YourCreat Cand Purchases
`We mvgy ancrgy jonni sev to ety wher etsterss without fosiag any of
`uusents.
`obare dssatistied # tn the EvodsoF seovices that you Wev> Nu Thated
`syuw credit card, and you heave tied in gov faith te conect te
`No cayman shall operate asm accel av) satislact on willed cute
`witqd.
`tem with tie merchant, yo.s eney hove tie reght vol to pay the rma
`sat doe ot the sascha. I use Geis “git. all ol tree following wust be
`CUSTOMER SERVICE. Vist comeaity.net/Stage oF lor stage ¢ cuit cad
`custome’ service call: | BUU 31% 2200,lor Beal s crsd | Card ¢stomor
`service cab: 18524926,be Goudy's cred Cond Castosevice call:
`1 Bbb 234 2UGG, tor
`‘alans tuyal credit card sustumet sevice Call:
`1-BX-S5/9284, he Aeethescredand Castoseve Ce Call:
`1 BH 123 AB, Sredd Card Custome: Serves Ia all Stage Stores. Inc...
`TOUT IY 1-600-605-1788.
`TELEPHONE MONITORING. 10 >=ovide you with wh-quailty strvice, P07
`Commuacatie) w tn us 1s meputered andor recorded.
`ADDITIONAL INFORMATION. The hdlowing ciesignatizns. wien qaneang
`cory these ecard af ysnee shasdeonineed, erecste's Ute foo hewingy: V oneanis wariatier tele
`Ste rate cay wang): WIND PAY 2 tess WA VEIN! HL5 1, PAYLINE
`RECHIREN, WV INT FQ OY wnecans WAIVE INT>REST, FIA) PAYMENT; WV
`101 LOW PI tmueies WAIVE INILRLS!. DOW PATMLNG: DEINT PY HQ
`Trees NE FFU INTEREST, PAVENTRFQUNR? 9D; DEF ENT FQ PY ‘eraees.
`DULLR INTL2251, LQQUAL PAYYLE, OF INE ONY PIAL neiets OUI LH
`INTE 27ST. CCAP PAYWENT seneed (CAV ATS FQ PAY curntes | OWN APT, FQUAD
`VAYIALINE. it pus News over able subs wcsus &. your vrais sabes ey vey,
`Von trey poty af of pean Arcosd caterwce al any tine within poeuslly.
`Serd ail baquities to: CUSTOMER SERVICE, PO Bex 182273. Colmes.
`Ohle 43216-2273.
`Genk.
`Send aft benkruptry netices and related comespondence to
`Bankruptcy Ovpurtenvet, PO Ben 162125. Cohenbus. Ohie 49216-2125.
`Si necesita ayuds en Espensl, contactenes a nuestros controsde ateacion
`1-900-315-7260(TOLVTTY 1-900-605-1789).
`NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you wid: «
`vfad as pamend, yus wuttater us sition tu ses inttamalins han yous
`chock ty segke a ow tines elects heed faredes tron you second 0° tn
`avons te payrend as acts bestia. When a: soe nhenediy stan
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`yon aAnal texeten yn check bec< heme yslircre:ial estidulion,
`
`toe parctnage verest Neve Dawe mnads in yes Nuetes sete yr sitters LID
`scold yen curren) weitieg aes. ard the peeetrese: seize res! hanes
`1 nae Item $50. (Mule: Neither of these & necomey if yous pachnse
`massed on a adverlionmmd we nudted bo ya.oF i we: oan bee cena
`sold you te poss se vcs)
`vs want were wend yun <teditcord bs Ure purchase. urstases nade
`tractathraenms boon an ATM on wits a cherk thal aceaess youn confit
`Javcsed du nk qadlity.
`‘ys eet wh pot cneve bully sid tu: Ue pacinne.
`8 of the ceiteria avove we mel etd you are sii lissaticlind with the
`shame, oC! ss in ewniticgg at: Coneevay Bartk 2D Wan 182/82,
`abs, Dio 43218 2782.
`bewer dwestigate, thee sane cules apply fee bee shisp.stedd wenae 45
`‘useed wduve. Alte ev telah un bevesthethan, ae will bell you vn
`isian. AD Niet pov, if we think yo.s awe a7 anesel and you she nel cay
`ty sevunt you ws delunysed.
`© TOAVOID PAYING INTEREST. Vow shor state ix at beast 25 daysafter
`close ul cach alg Cyclic. We wi 4 not chesge you INeTSst 07 purchases,
`na pry youn endive Bulviece by Uve de date wach ova. We will apie ty
`gn intorest on yewpurchases made uwior a Low APY.Equal Fayneat
`dectget Cayenne Cool Oho fren te: tans al getters.
`SCE COMPUTATION METHOD. We ca culaic mtzicat scperatcly for
`fh delance usar the metwdis) desorbed Dotow. ihe two intts's nh
`Pedems neat ty Ure Bakonce Subject tu tiderest tebe colts an the
`seat Change Calestation soctioton ims statcment corresponds fo Ie
`ee
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`ay dalerce™ we take tre bogmeung, balanc: cacday, add ary now
`eeections wed tees cd sustuct wg neds Oc adits (hestig wn vel
`St balance a3 a 200 solewo). Ihesgcse us I dary voleKc.
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`dee
`
`

`

`PAGE 3.0= 4
`
` the bacdebtwil be reported tothe three mayor credit bureaus andour Fecovery team wl determine the
`
`appropriate steps. as permitted and available under applicable law. to protect our interests.
`
`Your credit card account is closed. A monthly billing statement will be sent unill the balance is paid in full.
`You do not have any available cred’ due to your account being closed.
`
`Affected by COVID-19? Comenity Bank Offers Support
`As the bank thal manages your credit card. our hearts go out to those affected by the ouronavirus
`(COVID-19) pandemic.
`The support we're extending to you.If you're experiencing financial hardship because of COVID-19.
`Please call 1-666-322-1316 (TDDYTTY: 1-800-695-1788) to discuss how we may be able to help.
`Account Center Is available 24/7 for you to manage your STAGE account online. You can make
`Payments and view yourbalance, transactions and statements online. Not yet registered? Visit
`comenity.nel/stage, enter your STAGEcredit card account number and ZIP code. then verify your
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`We're looking out for you. We remain focused on the health and well-being of our customers and
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`
`Protect yourself against mail and phone consumer fraud
`hitp:/fabout. uspe.com/publicatione/pub261/weicome.him
`
`04300324
`
`o0000944 GR334% =00003bS00 000230353
`
`

`

`PARC 1 OF 4
`
`New balance
`Minimum paymentdue
`Payment due date
`
`$684.91
`$40.00
`04/10/2021
`
` vant alt. dy
`Aocounl Ww.
`aseeonesere3148
`Previous balance
`$703.89
`Payments
`+75.00
`Late payment warning:
`Othwrc-udits
`0.00
`Ifwedonot "wcove yourmuamampaymer by 04/96/2021 you may
`Purchases
`0.00
`«havelopayuptoe$40.00tateFtcnntenennen.
`Ottwr debits
`0.00
`Minimum peyment warning: A you make only the minimum
`Foes charged
`40.00
`
`payment fo- each period. youwill pay move in interest and it will take
`Intucest charged
`16.32
`you lenge:to pay off your balances. For example:
`New balance
`$004.91
`
`Past due amount You wit payott|And you will0.00
`
`Credh limit
`$850.00
`Available credit
`$0.00
`Statement closing date
`ow21/2021
`Oays in bing cycle 31[Guytewknmumpapmenk[22woune sar?
`
`
`For infomation rega-ding c-vdk cuunsulug services,
`call 1-800-284-1708.
`
`
`teade: to scen the QN sade witted 07 your paynett stud Jelow to get stated.
`
`Account Questions? Need to mace a sayinent? Want to <now row to go aaperiess?
`Vt comenty.net/stage of call !-866-322-1316 (TDDVTTY 1-800-695-1788).
`Skip signing i1 to pay and se Comenity's =asyPay. It's sate and conveniett. Use your sinartoho ww came-s or code
`
`
`
`TRANG DATE=«=—-TRANSACTION DESCRIPTIONLOCATION AMOUNT
`
`
`
`03/19/2021
`
`PAYMENT - THANK YOU
`
`75.00
`
`Fees
`0/18/2021
`
`40.00
`LATE FEE
`$40.00
`Total fees charged for this pertod
`sencansenesvecessstscssonsceascsssssssessousessvavecsnsenanenssaosensssosenesonsosegeaneoeanstsusessuscoquorase:sunsssusssensveessovensontcsesettsunssgssasssenecennectansceascssgeesonecesnssessuaesss
`
`interest charge on purchases
`Total interest for this period
`
`2021 totals yeer to date
`Total tees cherged in 2021
`
`Total interest cha-ged in 2021
`
`$16.32
`$16.92
`
`Your Annual Pe-centage Rate (APA)is the annual interest ‘ate on your account. See BALANCE COMPUTATION METHOD
`on page 2 for muy deals. Minimum inte-wst charge may exceed iduryst charge byluw, per your c-wdil card agryemyrd.
`TYPE OF
`BALANCE SUBJECT
`werenest
`BALANCE
`apn
`TO TEREST RATE
`CHARGE
`Purchases
`26.9900% ‘v)
`711.94 (DA)
`16.32
`
`NOTICE: See ‘eves ide for impotex infomation
`
`& STAGEeptens sotne
`C) *Veo,|Rawtunedurupdatedity
`‘
`Madapenemeyen
`$ Please make check payable 10:
`vaseretuntie
`wongven
`portion
`PO BOX 659465
`SAN ANTONIO TX 78265-9465
`
`MeettghgantHotyQOGgo]ytoltOeggAONGROGMatofegtgflogee
`SANAdottcoor
`HOT SPRINGS NATIONAL AR 71913-9170
`
`COMENITY - STAGE
`
`your payment
`
`.
`
`to;
`
`04300334
`
`00003400 (QJ3)4— O0000%000 000068453
`
`

`

`
`all
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`# 70AVOID PAYING INTEREST. Yon ctor slate: ix a0 beast 2% thaysaftoe
`Obie 43218-2273.
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`‘Send afl hankruptey notices sad reteted cormespondence to Comenity
`Be interest on wa purcheecs made uvdor a Low AP. Equal Payteow
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`tarckgyst Payennad Coo:it Mate froin true chats af parchone,
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