ELECTRONICALLY FILED
`SUPERIOR COURT OF CALIFORNIA
`ROBERT K. HANNA,State Bar No.: 341970
`COUNTY OF SAN BERNARDINO
`JUNQIAO XIAO,State Bar No.: 341670
`
`1)|HYO JIN JULIA JUNG,State Bar No.: 316090 SNeOgAR STRICT
`3
`MICHAELD. KAHN,State Bar No.: 236898
`By: Gabriel Mendoza, DEPUTY
`LAMONT FREEMAN,State Bar No.: 349862
`MIDLAND CREDIT MANAGEMENT,INC
`350 CAMINO DE LA REINA,SUITE 100
`4||SAN DIEGO, CA 92108
`5
`Telephone: (866) 300-8750
`Facsimile: (858) 309-1588
`CalifornaLegal@mcmcg.com
`California Debt Collection License #10644-99
`Attomeys for Plaintiff
`
`SUPERIOR COURT OF CALIFORNIA
`
`COUNTY OF SAN BERNARDINO
`
`SAN BERNARDINODISTRICT CIVIL DIVISION
`
`
`
`10} MIDLAND CREDIT MANAGEMENT,INC.|Case No, ©/¥SB2418859
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`Plaintiff,
`
`VS.
`MATTHEW B MAKAROUNAS;
`and DOES1 through 10, inclusive
`Defendant.
`
`COMPLAINTFOR:
`
`(1) Account Stated
`PRAYER AMT:$10,069.26
`LIMITED
`
`oo
`MIDLAND CREDIT MANAGEMENT,
`INC.,
`("Plaintiff"), by counsel,
`sues MATTHEW B
`MAKAROUNAS,(“Defendant”) under Account Stated and in support thereofstates:
`1.
`Plaintiff is authorized to do business in CALIFORNIA, with its principal place of
`
`business at 350 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff
`
`ownsportfolios 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 and attain
`financial recovery.
`
`2.
`
`3.
`
`Defendant is a resident of SAN BERNARDINO County, State of California and is
`subject to this Court’s jurisdiction.
`Plaintiff is unaware of the true names and capacities of Defendants sued bythefictitious
`
`names DOES1 through 10. Plaintiff will ask leave of court to amend this complaint as
`
`and when the true namesand capacities of Defendants named herein as DOES 1 through
`
`10 have been ascertained.
`Pursuant to California Civil Code (“CA CIVIL”) §1788.58(a)(1)-(9), Plaintiff alleges:
`
`4.
`
`Plaintiff is a debt buyer as defined by CA CIVIL §1788.50(a).
`
`
`-[-
`COMPLAINT
`
`CA_0132G File No.: 24-118497 SCP
`
`

`

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`Defendant established an account (the “Account”) with CITIBANK, N.A.. The amount
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`due is the result of transactions that occurred on the Account. Defendant was provided
`
`statements evidencing Defendant’s use of the Account and the balance due. Defendant
`
`failed to make the required payments and subsequently defaulted on the Account on
`
`February 02, 2023. Thereafter, Plaintiff was assigned all rights, title, and interest in the
`
`Account.
`
`Plaintiff is the sole owner of the debt. Attached as Exhibit A is a true and correct copy of
`
`the Bill of Sale from CITIBANK, N.A., to Plaintiff. The Account was purchased by
`
`Plaintiff on October 26, 2023.
`
`The Account balance at the time of charge-off was $10,069.26. Plaintiff alleges that the
`
`date of default is February 02, 2023 and the date of the last payment was March 06,
`
`2023.
`
`The name of the charge-off creditor at the time of charge-off is CITTBANK, N.A.. The
`
`address utilized by CITIBANK, N.A. at
`
`the time of charge-off was 5800 SOUTH
`
`CORPORATE PLACE SIOUX FALLS,SD 57108. At the time of charge off,
`
`the
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`account numberassociated with the debt was XXXXXXXX-XX-1174.
`
`The nameof the debtor as it appeared in the records of CITIBANK, N.A. is MATTHEW
`
`B MAKAROUNASand the last known address as it appeared in the records of
`
`CITIBANK,N.A.is 13104 GLEN CT UNIT 68 CHINO HILLS CA 91709.
`
`10.
`
`The name and addressofall post charge-off purchasers of the debt are as follows:
`
`Name
`
`Address
`
`MIDLAND CREDIT MANAGEMENT,
`INC.
`
`350 CAMINO DE LA REINA SUITE 100 SAN
`DIEGO CA 92108
`
`Plaintiff has complied with the provisions of CA CIVIL §1788.52. Plaintiff informed
`
`Defendant of the assignment of the Account.
`
`12
`
`Pursuant to CA CIVIL §1788.58(b), attached as Exhibit B is a true and correct copy of a
`
`monthly statement recording a purchase transaction, payment, or balance transfer while
`
`the Account was active as required by CA CIVIL §1788.52(b).
`
`13.
`
`14.
`
`Attached as Exhibit C is a true and correct copy ofa billing statement that was mailed to
`
`Defendant stating the balance due on the Accountat or aroundthe time of charge-off.
`
`Plaintiff acquired all right, title, and interest to the Account. To the extent that Plaintiff
`
`acts in its capacity as successor-in-interest
`
`to the original creditor or its assigns,
`
`references herein to Plaintiff may include Plaintiff's predecessor-in-interest.
`
`2
`COMPLAINT
`
`CA_0132G File No.: 24-118497 SCP
`
`

`

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`[5.
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`Plaintiff has attempted to contact Defendant through several meansin an effort to resolve
`
`the Account, but has been unsuccessful. Defendant has not repaid this debt. Plaintiff
`
`works with consumers like Defendant
`
`to find mutually acceptable solutions, often
`
`offering discounts, hardship plans, and a variety of payment options. The majority of
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`Plaintiffs consumers ignore calls or letters, and some simply refuse to repay their
`
`obligations. When this happens, Plaintiff must decide whether to pursue collection
`
`through legal channels, including litigation such as the present action against Defendant.
`
`Nonetheless, Plaintiff remains interested in discovering a mutually beneficial solution
`
`through voluntary payments, if possible, in this case.
`
`16.
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`Before commencement of this action, Plaintiff informed Defendant in writing, that it
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`intended to file this action and that this action could result in a judgment against
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`Defendant that would include court costs allowed by California Code of Civil Procedure
`
`§ 1033(b)(2).
`
`FIRST CAUSE OF ACTION
`
`ACCOUNT STATED
`
`17.
`
`18.
`
`Plaintiff realleges and incorporates by reference the foregoing paragraphs.
`
`An account was stated in writing between Defendant and CITIBANK, N.A.. Defendant
`
`opened and derived benefit from the Account. By using the Account, Defendant
`
`expressly or impliedly promised to repay CITIBANK, N.A.. Within the last four years,
`
`Defendant became indebted on the Account.
`
`19.
`
`On the Account, a balance of $10,069.26 wasstated to be due to CITIBANK,N.A. from
`
`Defendant. Plaintiff has no record of Defendant objecting to the balance due.
`
`20.
`
`Before the commencement of this action, Plaintiff was assigned the Account and
`
`indebtedness. Plaintiff is now the sole owner of the Account.
`
`21.
`
`Plaintiff has made a demand on Defendant for repayment of the Account, but Defendant
`
`has failed to pay the balance due.
`
`22.
`
`The current balance presently due and owing is $10,069.26 which includes payments,
`
`set-offs, credits or allowances, if any, at or after charge-olff.
`
`3
`COMPLAINT
`
`CA_0132G File No.: 24-118497 SCP
`
`

`

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`WHEREFORE,Plaintiff requests judgment against Defendant for $10,069.26, costs of this
`
`action and post judgment interest at the statutory rate. Plaintiff waives any claim for pre- judgment
`
`interest and attorney's fees.
`
`Dated:
`
`June 10, 2024
`
`MIDLAND CREDIT MANAGEMENT,INC.
`
`By:
`
`
`Jungiao Xiao, Esq.
`
`iscK.HANNA4JUNQIAOXIAO
`
`MICHAEL D. KAHN /|_JHYO JIN JULIA JUNG
`LAMONT FREEMAN
`
`
`
`CA_0132G File No.: 24-118497 SCP
`
`-4.
`COMPLAINT
`
`

`

`
`
`EXHIBIT AEXHIBIT A
`
`EXHIBIT A
`
`

`

`DocuSign Envelope ID: 07A0B102-FEA8-41F5-924E-7D3F7EQ0DB9A
`
`Contract ID: ENEMUMAA043021
`Addendum ID: EN8MUMAA092221C6
`Document ID: 101623MC1MU3FMBI
`
`BILL OF SALE AND ASSIGNMENT
`September 2021 Brands Fresh 180 Day Flow Lot 1
`
`is by Citibank, N.A., a
`THIS BILL OF SALE AND ASSIGNMENTdated October 26, 2023,
`national banking association organizedunderthe laws of the United States, located at 5800 South
`Corporate Place, Sioux Falls, SD 57108 ("Bank"),
`to Midland Credit Management, Inc., a
`corporation organized under the laws of Kansas, with its headquarters/principal place of business
`at 350 Camino De La Reina, Suite 100, San Diego, CA 92108 ("Buyer").
`
`For value received and subject to the terms and conditions of the Master Purchase and Sale
`Agreement dated April 30, 2021 between Bank, Department Stores National Bank, and Buyer(the
`"Master Purchase Agreement"), and that certain Addendum No. 6 dated September 22, 2021,
`between Bank and Buyer (the “Addendum”, and together with the Master Purchase Agreement,
`the “Agreement”’), the Bank does herebytransfer, sell, assign, convey, grant, bargain, set over and
`deliver to Buyer, and to Buyer's successors and assigns, the Accounts summarized on the Asset
`Schedule attached hereto as Exhibit A and included in the Final Electronic File. Capitalized terms
`not defined herein shall have the definition ascribed in the Agreement.
`
`With respect to information for the Accounts summarized on the Asset Schedule and included in
`the Final Electronic File,
`the Bank represents and warrants to Buyer that
`(i) the Account
`information constitutes the Bank’s own business records and accurately reflects in all material
`respects the information in the Bank’s database; (ii) the Account information was kept in the
`regular course of business; (iii) the Account information was madeat or near the time by, or from
`information transmitted by, a person with knowledge of the data entered into and maintained in
`the Account’s database; and (iv) it is the regular practice of the Bank’s business to maintain and
`compile such data.
`
`CITIBANK,N.A.
`
`MIDLAND CREDIT MANAGEMENT,INC.
`
`DecuSigned by:
`Docustgrred by:
`
`
`py< Koln
`
`oaooosi
`
`fpevature)
`
`ByKahllf
`
`oaar7crsaocé§4onature)
`
`
`
`Name: Brandy Reardon Narnie: Danielle wohlfehrt
`
`:
`.
`
`
`MVP Busi
`
`D
`
`Jopment
`
`Title: Authorized Party usuimess Devewopmen Title:
`
`;
`
`
`Encore 043021
`
`

`

`Contract ID: EN8SMUMAA043021
`Addendum ID: ENSMUMAA092221C6
`Document ID: 101623MC1MU3FMAI
`
`Exhibit A to Bill of Sale
`
`The individual Accounts transferred are described in the Final Electronic File named Encore-Brands-Fresh-
`Flow-Lot1-1023 and delivered by the Bank to Buyer, the same deemed attached hereto by this reference.
`
`Purchase Price
`
`Percentage Brands Fresh Flow Lot 1
`
`# of Accounts
`
`Sale Balance
`
`Cut-Off Date
`
`101623MC1MU3FM| / 10/16/2023 ee
`
`Encore 043021
`
`

`

`Contract ID: EN8SMUMAA043021
`Addendum ID: ENSMUMAA092221C6
`Document ID: 101623MC1MU3FMG1
`
`AFFIDAVIT OF SALE OF ACCOUNT
`
`State of Kentucky
`County of Boone
`
`Michelle Bingle, being duly sworn, deposes and says:
`
`Iam an authorized employee of Citibank, N.A. (““CBNA”) located at 5800 South Corporate Place,
`Sioux Falls, SD 57108, am authorized to make the statements and representations herein and I am
`over 18 years of age.
`In this position, I have access to the creditor’s books and records and am
`aware of the process of the sale of accounts and electronic storage of business records.
`
`On or about October 26, 2023, CBNA sold a pool of charged-off accounts (the Accounts) by a
`Master Purchase and Sale Agreement dated April 30, 2021, Bill of Sale, and Addendum No. 6
`dated September 22, 2021 to Midland Credit Management, Inc.. As part ofthe sale of the Accounts,
`certain electronic records were transferred on individual accountsto the debt buyer. These records
`were kept in the ordinary course of business of creditor.
`
`Iam not aware of any errors in the information provided about the Accounts. The above statements
`are true to the best of my knowledge.
`
`I solemnly affirm under the penalties of perjury and upon personal knowledgethat the contents ofthe foregoing paperare true.
`EXECUTED on Octoler 3\na3 .
`
`Sig
`
`Name
`
`Michelle Bingle
`
`STATE OF KENTUCKY
`
`)
`
`) ss.
`
`Michell
`cheile Bingle
`
`COUNTY OF BOONE
`Subscribed and sworn tobefore me by
`20
` :
`Notary Public
`My commission expires:
`October 22, 2025
`Personally known— OR
`Produced identification
`
`[Seal]
`
`Type ofidentification produced:
`
`N/A
`
`Encore 04302!
`
`this 3/ day_ of O Cr
`
`,
`
`
`
`~- |
`|
`KATHLEEN DAUGHE!
`owerpunk ntucky
`
`
`Commonwealth of
`Ke
`Commission Number KYNP37408
`My Commission Expires Oct 22,
`
`
`
`
`

`

`Contract ID: EN8SMUMAA043021
`Addendum ID: EN8SMUMAA092221C6
`Document ID: 101623MC1MU3FMGI1
`
`CERTIFICATE OF CONFORMITY
`
`STATE OF KENTUCKY
`COUNTY OF BOONE
`
`
`I, John Erin McCabe, an attorney-at-law of the State of Kentucky whois licensed to practice law
`in the State of Kentuckyandis fully acquainted with the laws of the State of Kentucky pertaining
`to the acknowledgementor proof of deedsof real property to be recorded therein, do hereby certify
`that I am duly qualified to make this certificate of conformity pursuant to Section 299-a ofthe Real
`Property Law of the State of New York and hereby certify that the acknowledgement or proof
`upon the foregoing document was taken by Kathleen Daugherty, a notary public in the State of
`Kentucky, in the mannerprescribed by the laws of the State of Kentucky and conformsto the laws
`thereof in all respects.
`
`IN WITNESS WHEREOF,I have hereunto set my signature, this 31°* day of October,
`
` ttorney at Law
`
`John Erin McCabe
`Keatucky Bar #92923
`
`2023.
`
`Encore 043021
`
`

`

`Field Data
`ee 174
`MATTHEW
`
`B M
`
`AKAROUNAS
`
`XXX-XX-2328
`
`13104 GLEN CT
`
`UNIT 68
`
`CHINO HILLS
`
`CA
`
`91709
`
`9099025882
`
`10/15/2019
`
`03/02/2023
`
`03/06/2023
`$100.00
`$10,069.26
`09/05/2023
`$10,069.26
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`DIAMOND PREFERRED
`
`Field
`
`Account Number
`
`First Name
`
`Middle Name
`
`Last Name
`
`SSN
`
`Date of Birth
`
`Address1
`
`Address 2
`City
`State
`Zip
`Home Phone
`Open Date
`Last Purchase Date
`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
`
`Accountinformation provided by Citibank, N.A. pursuant to the Bill of Sale/Assignment of Accounts transferred on or
`about 10/26/2023 in connection with the sale of accounts from Citibank, N.A. to Midland Credit Management,Inc.
`
`Encore-Brands-Fresh-Flow-Lot1-1023.xlsx
`
`

`

`
`
`EXHIBIT BEXHIBIT B
`
`EXHIBIT B
`
`

`

`Citi Diamond Preferred® Card
`
`MATTHEW B MAKAROUNAS
`
`Member Since 2019 Account aumber ending in: 1174
`Billing Period: 03/04/23-04/05/23
`
`APRIL STATEMENT
`$1,138.43
`Minimum payment due:
`$8,797.96
`New balance as of 04/05/23:
`65/01/23
`Payment due date:
`Seethe last page of this statement for important information about haw to
`avoid paying interast on purchases.
`
`Late Payment Warning: || we do tot receive your minimum payment by the
`date listed above, you may have to pay a late fee of up to $41 and your APRs
`nay be increased up to tie Penalty APR of 29.99%.
`
`Minimum Payment Warning: |f you maxe only the mininum payment each
`aeriod, you will pay more in intersst and it will take you longer ta aay off your
`galance. =or exa niole:
`
`If you make no additional
`charges using this card
`and each month you pay...
`
`You will pay off the
`balance shown on this
`statement in about...
`
`And you will end up
`aying an estimated
`otal of...
`
`-or information about credit counseling services, call 1-377-337-8188.
`
`
`
`
`
` Only the minimum paymene|19 year(s) \s24,ra9
`
`www.citicards.com
`Customer Service 1-800-823-4086
`TTY:711
`30% 6500 SIOUX FALLS, 5D S717
`
`Your account is past due $494.51 and over
`the credit limit by $297.96. Plaase pay at
`least the Minimum Payment Due, which
`includes a past due amount and an Overlimit
`Amount,
`
`Account Summary
`Previous balance
`Payments
`Credits
`Purchases
`Cash advances
`Feas
`Interest
`New balance
`
`Credit Limit
`Credit limit
`Includes $2,600 cash advancelimit
`
`$8,640.00
`-$100,00
`-§D.00
`+§0.00
`+$0,00
`+$41,00
`+$216.96
`$8,797.96
`
`$8,500
`
` Savings
`
`Spotlight
`Your Diamond Preferred Lifetime Savings:
`
`$4.12
`
`Seepage 3 to view your
`Savings Summary.
`
`For Payments, send check to: CITI CARDS, PO BOX 78045, Phoenix, AZ, 85062-8045
`
`Pay your bill from virtually anywhere
`with the Citi Mobile” App and Citi® Online
`
`§
`
`f@j@l)
`
`To download
`Text “AppiS' to MyCiti (692484)
`or go te your device's app stare.
`O° visit www.clticards.com
`
`Minimum payment due
`New balance
`Payment due date
`
`Amount enclosed:
`
`$1,138.43
`$8,797.96
`05/01/23
`
`BJO0G00 MC 20 A0
`
`MATTHEW B MAKAROUNAS
`13104 GLEN CT
`UNIT 68
`CHING HILLS CA 91709-1126
`
`Account number ending in 1174
`Please make check payable te CITI CARDS.
`CITI CARDS
`PO BOX 78045
`Phoenix, AZ 85062-8045
`
`15009 0113386435 087979%b OOLOC00 Oa4 OS00
`
`

`

`www.citicards.com
`
`Customer Service 1-800-823-4086
`TTY:711
`
`fage 2 of 3
`
`MATTHEW B MAKAROUNAS
`
`
`
`Lifetime Savings
`for more information about — ee _ Savings Spotlight
`
`NOTICE OF CHANGES TO YOUR INTEREST RATES
`
`You have triggered the Penalty APR of 29.990%by making a late
`payment and due to your credit performance. This change will
`impact your account as follows:
`
`Transactions made onor after 04/26/2023:As of 06/06/2023,
`the Penalty APR will apply to these transactions. We may keep the
`APR at this level indefinitely.
`Transactions made before 04/26/2023: Current rates will
`continue to apply to these transactions. However, if you become
`more than 60 days late on your account, the Penalty APR will apply
`to these transactions as well.
`
`7
`
`i
`
`Savi ngs S potlig ht
`Your Citi® Diamond Preferred®
`Savings Summary
`Citi Diamond Preferred
`
`@ Interest:
`
`$4.12
`
`Account Summary
`Trans.
`ost
`date
`date
`
`Description
`
`Payments, Credits and Adjustments
`
`Amount
`
`03/06
`
`ONLINE PAYMENT, THANK YOU
`
`“$100.00
`
`Date
`Description
`Amount
`
`o4/o5
`LATE FEE - MAR PAYMENT PAST DJE
`$41.00
`
`Total fees charged in this billing period
`
`$41.00
`
`Interest charged
`Amount
`Date
`Description
`Gaiuswentnemewensaereeeneesteeeeeee580
`04/05INTERESTCHARGEDTOPURPR-O4/26/23.=siitsti(itié‘«é*SNL
`Total Interest chargedin this billing perlod
`$216.96
`
`aeeia4], ae)
`baa | SAVINGS:
`. fe : :
`:
`$4.12 : .
`ace Abcount reer
`
`| 2023 totals year-to-date
`Total fees charged in 2023
`Total interest charged in 2023
`
`
`
`$153.00
`$774.47
`
`|
`
`
`Your Annual Percentage Rate (APR)is the annJal interest rate on your account.
`Annual perceniaae Balance subject
`rate (APR)
`to Interest rate
`
`|
`| Balance type
`
`Interest charge
`
`|
`|
`
`
`$112.52 (2)
`27.74% “W)
`Standard Purch
`
`$8,536.35 (D)
`27.74% (V)
`Pur Pr 012523
`|
`$214.14 |
`
`AONEnnn |
`
`
`|
`Standard Adv
`29,099 VW)
`$0.00 (D)
`$0.00 |
`
`Your Annual Perce 1fage Rate (APR) is the annual interest rate on your account, APRs followed
`oy (V) may vary. Balances followed by (D) are determined by the daily balaace method
`(including current transactions).
`
`

`

`www.citicards.com
`
`MATTHEW B MAKAROUNAS
`
`Account messages
`SAVINGS SPOTLIGHT DETAILS
`
`Customer Service 1-800-823-4086
`TTY:711
`
`fage 3 of 3
`
`INTEREST:If you have promotional balances on your account, we have
`estimated your savings. This savings is the difference between the interest
`that was assessed against the promotional balances using the promotional
`APRs and the estimated interest that would have been assessed against these
`same balances using the Enhanced Purchase APRs. This savings amount does
`not include any balance transfer fees. This savings is from your billing period
`covered by this statement.
`
`CIHTEASY DEALS: If you made a purchase on Citi Easy Deals, your savings is
`the difference between the retail price and the price you paid. This savings is
`from the prior calendar month.
`
`
`
`CIT] DIAMOND PREFERRED LIFETIME SAVINGS: The savings from interest, Citi
`Easy Deals since you became a Citi Diamond Preferred cardmember. This
`savings amount does not include any balance transfer fees.
`
`Your account is past due $494.51 and overthe credit limit by $297.96. Please
`pay at least the Minimum Payment Due, which includes a past due amount and
`an Overlimit Amount. If you have already sent us this payment, thank you.
`
`Please be sure to pay on time. If you submit your payment by mail, we suggest
`you mailit no later than 04/24/2023 to allow enough time for reqular mail to
`reach us.
`
`© 2023 Citibank, N.A.
`Citi, Citi and Arc Design and other marks used herein are service marks of
`Citigroup Ine. orits affiliates, used and registered throughout the world.
`
`

`

`
`
`EXHIBIT CEXHIBIT C
`
`EXHIBIT C
`
`

`

`Citi Diamond Preferred® Card
`
`MATTHEW B MAKAROUNAS
`
`Member Since 2019 Account aumber ending in: 1174
`Billing Period: 08/04/23-09/05/23
`
`SEPTEMBER STATEMENT
`$10,069.26
`Minimum payment due:
`$10,069.26
`New balance as of 09/05/23:
`09/05/23
`Payment due date:
`Seethe last Kaas of this statement for important information about haw to
`avoid paying interast on purchases.
`
`Late Payment Warning: || we do tot receive your minimum payment by the
`date listed above, you may have to pay a late fee of up to $41 and your APRs
`nay be increased up to tie Penalty APR of 29.99%.
`
`Minimum Payment Warning: |f you maxe only the mininum payment each
`aeriod, you will pay more in intersst and it will take you longer ta aay off your
`galance. =or exa niole:
`
`www.citicards.com
`Customer Service 1-800-823-4086
`TTY:711
`30% 6500 SIOUX FALLS, 5D S717
`
`Account Summary
`Previous balance
`Payments
`Credits
`Purchases
`Cash advances
`Fees
`Interest
`
`$9,815.52
`-$0.00
`“$0.00
`+$0,00
`+§0.00
`+$0,00
`45253.74
`
`New balance
`
`$10,069.26
`
`Credit Limit
`Credit limit
`Includes $2,600 cash advancelimit
`
`$8,500
`
`
`
`
`
`Only the minimum payment||monthts) | $10,069
`
`If you make no additional
`charges using this card
`and each month you pay...
`
`You will pay off the
`balance shown on this
`statement in about...
`
`And you will end up
`aying an estimated
`otal of...
`
`-or information about credit counseling services, call 1-377-337-8188.
`
`For Payments, send check to: CITI CARDS, PO BOX 78045, Phoenix, AZ, 85062-8045
`
`Pay yourbill from virtually anywhere
`with the Citi Mobile® App and Citi® Online
`
`§
`
`fajall
`
`To download
`Text “ApplS' to MyCiti (692484)
`or goto your device's app stare.
`O° visit www.clticards.com
`
`Minimum payment due
`New balance
`Payment due date
`
`Amount enclosed:
`
`$10,069.26
`$10,069.26
`09/05/23
`
`3JO00G00 MC 3240
`
`MATTHEW B MAKAROUNAS
`13194 GLEN CT
`UNIT 68
`CHING HILLS CA 91709-1126
`
`Account number ending in 1174
`Please make check payable te CITI CARDS.
`
`CITI CARDS
`PO BOX 78045
`Phoenix, AZ 85062-8045
`
`15009 1006926 1006926 OOLO000 D4 O3505
`
`

`

`www.citicards.com
`
`MATTHEW B MAKAROUNAS
`
`Account Summary
`Trans.
`Post
`date
`date
`
`Description
`
`Customer Service 1-800-823-4086
`TTY:711
`
`sage 2 of 2
`
`Amount
`
`Fees charged
`Total fees chargedin this billing period
`$0.00
`
`Interest charged
`Date
`Description
`
`INTEREST © HARGED TO STANDARD PURCH
`o9/05
`INTERESTCHARGEDTOPURPR-04/26/23,
`09/05
`INTERESTC HARGE? To PUR. PR-“01/25/23.
`09/05
`Total Interest charged in this billing perlod
`
`2023 totals year-to-date
`
`Amount
`
`$4.39
`54.39
`5244.96
`$253.74
`
`_ Total feeschargedin 2023
`“Total interest chargediin 2023
`
`$317.oo
`$1,881.77
`
`Daysin billing cycle: 33
`Interest charge calculation
`Your Annual Percentage Rate (APR)is the annJal interest rate on WOur account.
`
`
`
`Annual Te e Balance subject
`fatte((AP %) to Interest rate
`Interest charge
`
`Standard Ore
`28.24%ww)
`Si71.96@)
`$4.39
`“PurPr042623
`28.24%(V) ie04om
`$4.39
`“Dur Pr 012523.
`r
`6
`
`
`Standard Adv
`29.99% [V)
`50.00 (D)
`$0.00
`
`Your Annual Percertage Rate (APR) is the annual interest rate on your account. AP®s followed
`oy (VW) may vary. Balances followed by (D) are determined by the daily balaice method
`(including current transactions).
`
`Account messages
`The Savings Spotlight feature is currently unavailable. For any related
`questions, please call customer service at the number on the back of your
`card, We apologize for the inconvenience,
`
`Please note that if we received your pay by phone or online payment between
`5 p.m. £T and midnight ET on the last day of your billing period, your payment
`was credited as of the date of receipt, but will not be reflected until your next
`statement.
`
`© 2023 Citibank, NLA.
`Citi, Citi and Arc Design and other marks used herein are service marks of
`Citigroup Inc, or its affiliates, used and registered throughout the world.
`
`