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`Jordan Cook, Esq. Bar No. 179720
`Emily Pierce, Esq. Bar No. 240084
`Kristen Brinkerhoff, Esq. Bar No. 263579
`Lori Williams, Esq. Bar No. 242985
`Michelle Mitchell, Esq. Bar No. 221841
`PORTFOLIO RECOVERY ASSOCIATES, LLC
`10680 Treena St., Suite 500
`San Diego, CA, 92131
`866/428-8102
`Attorneys for Plaintiff
`PORTFOLIO RECOVERY ASSOCIATES, LLC
`
`
`
`ELECTRONICALLY
`F I L E D
`
`Superior Court of California,
`County of San Francisco
`08/23/2022
`Clerk of the Court
`BY: STACY GEE
`Deputy Clerk
`
`SUPERIOR COURT OF CALIFORNIA
`
`COUNTY OF SAN FRANCISCO
`
`
`PORTFOLIO RECOVERY ASSOCIATES,
`LLC,
`
`
`Plaintiff,
`
`
`
`vs.
`
`
`FATEMA RASHID;
`
`
`Defendant,
`
`
`
` Case No. CGC-22-598072
`
`LIMITED JURISDICTION
`
`
`DECLARATION OF CUSTODIAN OF
`RECORDS IN SUPPORT OF
`APPLICATION FOR ENTRY
`OF JUDGMENT PURSUANT TO CIVIL CODE
`§ 1788.60(a)
`
`
`
`I, the undersigned, declare as follows:
`
`1. I am an employee at and custodian of records for PORTFOLIO RECOVERY
`
`ASSOCIATES, LLC ("Plaintiff"). I am a competent person over eighteen years of age, and make
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`the statements herein based upon personal knowledge of those account records maintained on
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`Plaintiff's behalf. Plaintiff is the current owner of, and/or successor to, the obligation sued upon,
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`and was assigned all the rights, title and interest to Defendant’s CITIBANK, N.A. account
`
`XXXXXXXXXXXXX2434(hereinafter the "Account"). I have access to and have reviewed the
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`records pertaining to the Account and am authorized to make this declaration on Plaintiff's behalf.
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`2. Plaintiff purchases portfolios of delinquent accounts from either the original creditor or a
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`subsequent purchaser of the account. As part of its operations, Plaintiff operates and maintains
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`computer systems, into which Plaintiff integrates electronic records and information received from
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`the seller in response to the sale and assignment communications regarding the individual accounts.
`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION
`FOR ENTRY OF JUDGMENT CCP § 1788.60(a)
`
`-1-
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`APCMGLGJBLDIBKDLCIDNBLFK
`AJAJBBHCEGIPNDDKHKGOMICK
`ANJMEJNHJCGELMBLEGBLPPNK
`ADKCAKOLONHOOMAABKMHCKAK
`AGAEPNOFJNLAIODPICGLHMNK
`AACGEGMMMGCIIGIIAEKOMCMK
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`3. I am familiar with the manner and method by which Plaintiff creates and maintains its normal
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`business books and records. The records are kept in the normal course of business. Plaintiff
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`maintains computerized account records, including the account information that was provided to
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`Plaintiff by CITIBANK, N.A.. The computerized account records include the transfer balance and
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`transfer date of the subject Account. The records are kept in the ordinary course of business by
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`representatives of Plaintiff who are charged with the duty to accurately record any business act,
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`condition or event on the computer with entries made at or near the time of any such occurrence.
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`4. On or about November 22, 2019, Plaintiff became the successor in interest to this Account.
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`Plaintiff acquired and incorporated the attached Account records into its permanent business records
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`as a result of Plaintiff's purchase of the Account. These records are kept in the regular course of
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`business on behalf of Plaintiff, and along with the electronic records provided at purchase, are
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`Plaintiff's primary source of business records for this Account.
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`5. Upon information and belief, federal law required the original creditor to send monthly
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`statements to the Defendant at the address at which the Defendant advised that he/she was residing
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`at the time that he/she established the Account, or to any subsequent address provided by the
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`Defendant.
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`6. The accuracy of such records is relied upon by Plaintiff in purchasing and collecting upon
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`this Account. The records are trustworthy and relied upon because the original creditor was required
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`to keep careful records of the Account at issue in this case as required by law and/or suffer business
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`loss.
`
`7. This Account was purchased on or after January 1, 2014 and, therefore is subject to
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`California Civil Code section 1788.60.
`
`8. In accordance with California Civil Code section 1788.58(a)(3-8), Plaintiff's records show
`
`the following relevant information concerning the Account.
`
`a. Plaintiff is the sole owner of the Account.
`
`b. The Account was opened on December 28, 2016 and charged off on September 13, 2019
`
`with a balance of $11,082.83 at time of charge off.
`-2-
`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION FOR ENTRY OF
`JUDGMENT CCP § 1788.60(a)
`
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`\\\
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`c. PORTFOLIO RECOVERY ASSOCIATES, LLC’s records show that the balance of
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`$11,082.83 remains due and owing as of July 21, 2022. Plaintiff is not seeking to recover
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`any post-charge off interest to which it may be entitled and/or fees that may have been
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`imposed by the charge off creditor or subsequent purchasers of the debt and is seeking
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`to recover only that portion of the charge off balance that remains due and owing as of
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`July 21, 2022.
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`d. The date of last payment on the credit account was 02/12/2019.
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`e. The charge-off creditor name and address at the time of charge-off:
`
`NAME ADDRESS
`
` CITIBANK NA 5800 SOUTH CORPORATE PLACE, ,
`
`SIOUX FALLS, SD 57108
`
`f. The charge-off account number associated with the debt at the time of charge-off was
`
`XXXXXXXXXXXXX2434.
`
`
`g. Defendant’s name and address as it appeared in the charge off creditor's records:
`
`
`
`FATEMA RASHID, 1180 4TH ST APT 532, SAN FRANCISCO, CA 94158-2379.
`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION FOR ENTRY OF
`JUDGMENT CCP § 1788.60(a)
`
`
`-3-
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`h. The complete chain of title including CITIBANK, N.A. and all post charge off
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`purchasers of the debt are as follows:
`
`i.
`
`NAME ADDRESS
`
`CITIBANK NA 5800 SOUTH CORPORATE PLACE, ,
`
`SIOUX FALLS, SD 57108
`
`ii.
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` PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD
`
`
`
`
`
`
`
`
`
` NORFOLK, VA 2305
`
`9. Plaintiff's records show that Plaintiff or its agents made demand for payment of the balance
`
`herein prior to making this declaration and Defendant failed to make full payment of the amount
`
`owed on the Account.
`
`10. Attached hereto as Exhibits A, B, and C are the Account records I reviewed in executing
`
`this declaration, which relate to the Account and/or payment(s) received.
`
`Exhibit A. Documentation reflecting the Chain of Title and establishing the facts required
`
`under Civil Code Section 1788.58(a)(3),(4),(5),(7) and (8).
`
`Exhibit B. Billing Statement(s), including but not limited to the Last Monthly Statement
`
`Recording a Purchase Transaction, Last Payment, or Balance transfer - establishing the fact required
`
`under Civil Code Section 1788.58(a)(5).
`
`Exhibit C. Billing Statement - establishing the facts required under Civil Code section
`
`1788.58(a)(4) and (6).
`
`11. The documents attached hereto are true and correct copies of the originals, being a
`
`reproduction of the records on file on behalf of Plaintiff based upon my review, except to the extent
`
`that confidential and privileged information and/or personal identifying information is omitted or
`
`redacted as required by local rules, and applicable state and federal laws.
`
`\\\
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`
`
`
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`12. If called upon to testify as a witness thereon, I could and would competently testify as to
`-4-
`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION FOR ENTRY OF
`JUDGMENT CCP § 1788.60(a)
`
`
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`all the facts stated herein.
`
`
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`I declare under penalty of perjury under the laws of the State of California that the foregoing
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`is true and correct.
`
`
`
`Dated: ______________________
`
`
`
`__________________________________________
`CUSTODIAN OF RECORDS
`
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`49248
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`
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`
`DECLARATION OF CUSTODIAN OF RECORDS IN SUPPORT OF APPLICATION FOR ENTRY OF
`JUDGMENT CCP § 1788.60(a)
`
`
`-5-
`
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`
`
`
`7/22/2022
`
`James O'Toole
`
`

`

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`EXHIBIT A
`EXHIBIT A
`
`
`
`

`

`Contract ID: PRSMUMAA012519
`Document (1D: PREMUMAA012519C5
`Document ID: 111119PRIBBIEMBI
`
`BILL OF SALE AND ASSIGNMENT
`
`THIS BILL OF SALE AND ASSIGNMENTdated November 22, 2019, is by Citibank, N.A., a
`national banking association organized under the laws of the United States, located at 5800 South
`Corporate Place, Sioux Falls, SD 57108 (the “Bank") to Portfolio Recovery Associates, LLC
`("Buyer"), organized under the laws of Delaware, with its headquarters/principal place of business
`at 130 Corporate Boulevard, Norfolk, VA 23502.
`
`For value received and subject to the terms and conditions of the Master Purchase and Sale
`Agreement dated January 25, 2019 and Addendum No. 5 dated January 25, 2019, between Buyer
`and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant,
`bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts
`described in Exhibit 1 and the final electronicfile.
`
`Citibank, N.A.
`
`By:
`
`
`
`
`
`
`(Signature)
`
`Name:
`
`GaryGoldberg
`
`Title: ___Authorized Party
`
`PRA 012519
`
`1
`
`

`

`Contract ID: PREMUMAA012519
`Document ID: PREMUMAAOI2519C5
`Document ID: 111119PRIBBIEMAI
`
`Exhibit 1
`
`The individual Accounts transferred are described in the final electronic file and delivered
`by the Bank to Buyer, the same deemed attached hereto by this reference.
`
`
`
`Lot
`Best Buy
`Post Early
`Out Flow
`
`
`
`
`
`
`
`
`
`
`# of
`Cut-Off
`Accounts
`
`
`
`Sale Amount
`Date
`
`11/11/19
`
`
`
`Sale ID
`111119PRIBB1EM
`
`PRA 012519
`
`

`

`Sale File: PORTREC_PRA-BEST-BUY-POST-EARLY-OUT-FLOW-1119.XLSX
`
`***********2434
`***********0000
`
`***********0000
`
`***********2434
`***********2434
`FATEMA
`
`RASHID
`***************
`**/**/1974
`1180 4TH ST APT 532
`
`SAN FRANCISCO
`
`CA
`941582379
`
`***************
`
`N
`***************
`EN
`***************
`Y
`
`11082.83
`9820.49
`969.34
`
`293.00
`0.00
`
`0.00
`
`ACCOUNT NUMBER
`PRIOR ACCOUNT NUMBER
`1
`PRIOR ACCOUNT NUMBER
`2
`PRIOR ACCOUNT NUMBER
`
`5 D
`
`M9 ACCOUNT NUMBER
`CU ACCOUNT NUMBER
`CONSUMER FIRST AND
`MIDDLE NAME
`CONSUMER LAST NAME
`CONSUMER SSN OR SIN
`CONSUMER BIRTH DATE
`CONSUMER RESIDENCE
`ADDRESS 1
`CONSUMER RESIDENCE
`ADDRESS 2
`CONSUMER RESIDENCE
`CITY
`CONSUMER STATE
`CONSUMER ZIP CODE
`CONSUMER RESIDENCE
`COUNTRY
`CONSUMER RESIDENCE
`PHONE
`BAD NUMBER INDICATOR
`AWARENESS INDICATOR
`LANGUAGE INDICATOR
`EMAIL ADDRESS
`EMAIL CONSENT
`E-STATEMENT INDICATOR
`CO-BORROWER FIRST AND
`MIDDLE NAME
`CO-BORROWER LAST
`NAME
`CO-BORROWER SSN OR
`SIN
`SALE AMOUNT
`PRINCIPAL
`PRE CHARGE OFF
`INTEREST
`PRE CHARGE OFF FEES
`POST CHARGE OFF
`INTEREST
`POST CHARGE OFF FEES
`
`3 P
`
`4 P
`
`RIOR ACCOUNT NUMBER
`
`RIOR ACCOUNT NUMBER
`
`

`

`Sale File: PORTREC_PRA-BEST-BUY-POST-EARLY-OUT-FLOW-1119.XLSX
`
`0.00
`
`0.00
`
`ORIGINAL LOAN BALANCE
`11082.83
`CHARGE OFF BALANCE
`11082.83
`CURRENT BALANCE
`Dec 28 2016 12:00AM
`ACCOUNT OPEN DATE
`Mar 13 2019 12:00AM
`DEFAULT DATE
`Sep 13 2019 12:00AM
`CHARGE OFF DATE
`42.00
`LAST PAYMENT AMOUNT
`Feb 12 2019 12:00AM
`LAST PAYMENT DATE
`LAST PURCHASE AMOUNT 3975.17
`LAST PURCHASE DATE
`Feb 15 2019 12:00AM
`LAST BALANCE TRANSFER
`AMOUNT
`LAST BALANCE TRANSFER
`DATE
`LAST CASH ADVANCE
`AMOUNT
`LAST CASH ADVANCE
`DATE
`TOTAL PAYMENTS POST
`CHARGE OFF
`TOTAL NSF POST CHARGE
`OFF
`TOTAL CREDITS POST
`CHARGE OFF
`BKT6_INT_AMT
`SALE SEGMENT
`PRODUCT IDENTIFIER
`CODE
`PRODUCT DESCRIPTION
`SALE ID
`LENDING LEVEL 1
`LENDING LEVEL 2
`ATTORNEY LAW FIRM
`ATTORNEY NAME
`ATTORNEY PHONE
`ATTORNEY ADDRESS
`ATTORNEY CITY
`ATTORNEY STATE
`ATTORNEY ZIP CODE
`DEBT MANAGER ADDRESS ***************
`BANKRUPTCY CHAPTER
`BANKRUPTCY FILE DATE
`BK PROOF OF CLAIM
`PRINCIPAL
`BK PROOF OF CLAIM
`INTEREST
`BK PROOF OF CLAIM FEE
`BANKRUPTCY CASE
`NUMBER
`
`BEST BUY VISA
`111119PR1BB1EM
`OILS
`BBNK
`
`0.00
`
`BESTBUY
`33567203
`
`

`

`Sale File: PORTREC_PRA-BEST-BUY-POST-EARLY-OUT-FLOW-1119.XLSX
`
`BANKRUPTCY TRUSTEE
`
`

`

`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`EXHIBIT B
`EXHIBIT B
`
`
`
`

`

`
`
`7
`
`My Best Buy” Gg bestbuyaccountoniine.com
`Visa’ Ca rd
`eee.574-1304
`
`Customer Service:
`
`AccountInquiries: ee
`
`Account Statement
`Send Notice of Billing Errors and Customer Service Inquiries to:
`BEST BUY CREDIT SERVICES
`
`PO Box 790441. St. Louis, MO63179
`
`Account Number:
`
`TOhEhe
`
`Summary of Account Activit
`Previous Balance
`Payments :
`Other Credits
`Purchases
`Cash Advances
`Fees Charged
`Interest Charged
`New Balance
`Past Due Amount
`Se
`ae
`Cash AdvanceLimit
`Available Cash Limit
`—
`Amount Over Credit Limit
`Statement Closing Date
`Next Statement Closing Date
`Daysin Billing Cycle
`
`PaymentInformation
`New Balance
`$5 357.85
`Minimum Payment Due
`-$4200
`-$0.00
`April 7, 2019
`Payment Due Date
`734 528 64
`Late Payment Warning:If we do not receive your minimum paymentby the
`+$0.00
`date listed above, you may haveto pay alate fee up to $38.
`+$38.00
`Minimum Payment Warning:
`If you make only the minimum payment each
`+$97.27
`period, you will pay morein interest andit will take you longer to pay off your
`$9,979.76
`balance. For example:
`If you make no additional
`You will pay off the
`And youwill
`$93.00
`charges using this card
`balance shown onthis
`end up paying an
`p10 OG and each month you pay...
`statementin about..
`estimated total of ..
`
`
`$200.00
`Only the minimum payment
`27 years
`$38,429
`$0.00
`$427
`3
`$15,365
`aa
`$0.00
`(Savings=$23,064)
`03/13/2019
`it you would like information about credit counseling services, call 1 877 337 8188.
`04/12/2019
`31
`
`years
`
`q
`
`You mustpay your promotional balance of $216.47 in full by 04/07/19 to avoid paying deferred interest charges.
`
`You must pay your promotional balance of $635.78 in full by 11/07/19 to avoid paying deferred interest charges.
`
`You must pay your promotional balance of $534.93in full by 07/07/20 to avoid paying deferred interest charges.
`
`You must pay your promotional balance of $3,904.67in full by 02/07/21 to avoid paying deferred interest charges.
`
`For phone payments, you authorize us to electronically debit your specified bank account by an ACH transaction in the amount
`and on suchdate that you indicate on the phone. You may cancel a phone paymentbycalling us at the Customer Service number
`at the top of page 1 within the timeframe disclosed to you on the phone.
`
`Please update your phone number, including cell phone number on the back of the payment coupon.
`
`
`
`
`
`Your accountis past due
`This is a courtesy reminder that we did not receive payment for last month. We're here for you and would like to help you bring
`your account current.
`» For assistance call us today at 1-888-574-1301. For the hearing impaired, call our TDD line at 1-800-995-9305.
`
`
`Hours of operation: Monday-Thursday: 6:30 a.m. to 1:00 p.m. CT - Friday: 6:30 a.m. to 9:00 p.m. CT + Saturday and Sunday: 8:00 a.m. to 5:00 p.m. CT
`HM 7
`
`
`
`PLEASE SEE IMPORTANT INFORMATION ON PAGE 2.
`
`Page 1 of 4
`
`This Accountis Issued by Citibank, N.A.
`
`¥___Please detachandreturnlowerportionwithyourpayment19 insurepropercredii_Retainupper portionforyour records. _
`
`io
`
`PO BOX 6204
`SIOUX FALLS, SD 57117-6204
`
`Statement Enclosed
`
`FATEMA RASHID
`1180 4TH ST APT 532
`SAN FRANCISCO,CA 94158-2379
`
`PaymentDue Date
`
`New Balance
`
`Past Due Amountt
`
`April 7, 2019
`
`$9,979.76
`
`$93.00
`
`$329.00
`
`Minimum Payment Due
`Amount Enclosed: $
`tpast Due Amountis included in the Minimum Payment Due.
`Please print address changesonthe reverseside.
`Make Checks Payable tow
`
`BEST BUY CREDIT SERVICES
`PO BOX 78009
`PHOENIX, AZ 85062-8009
`
`

`

`243401
`Page 2 of 4
`/A/- HM - 3356-7203-0001 - N2 -/B/- 4269397574 - C -/C/- A - 46 - D - 53 -/D/- P - - - 0 - Y -/E/- 1 -
`- -
`- 0 - 0 -/F/- 01/14/19 - 12/01/16 - 27 - February 10, 2019
`/G/- N - - - -/H/- 0 - - YKKB - V -/I/- V - - 0 - 0 - - -/J/-
`- - - 18A06 - - 0618
`

`

`243402
`Page 3 of 4
`Account:
`2434
`TRANSACTIONS
`Trans Date Description
`Reference #
`Amount
`02/12
`PAY BY PHONE PAYMENT DEERFIELD IL
`74269371BEYB3BFFM
`$
`42.00
`02/14
`DESERT ISLAND RESORT ABU DHABI AX
`74006931DBY2XVLEZ
`$
`553.47
`02/14
`AL ABYAD JEWELLERS8106 SHARJAH AX
`74093591D6VT5WJXS
`$
`3,975.17
`FEES
`03/07
`LATE FEE
`$
`38.00
`TOTAL FEES FOR THIS PERIOD
`$
`38.00
`INTEREST CHARGED
`03/13
`INTEREST CHARGE ON PURCHASES
`$
`97.27
`TOTAL INTEREST FOR THIS PERIOD
`$
`97.27
`2019 Totals Year-to-Date
`Total Fees Charged in 2019
`$104.00
`Total Interest Charged in 2019
`$97.27
`ACTIVITY AND PROMOTIONS DETAIL
`Original
`Promotion
`Trans
`Amount
`Promo
`Trans
`Date
`Previous
`Balance
`Interest
`Charged
`New
`Balance
`Promotion
`Minimum
`Payment Due
`Deferred
`Interest
`Charges
`Promotion
`Expiration
`Date
`Payments
`& Other
`Credits
`Purchases,
`Cash Adv,
`Fees &
`Other Debits
`PURCHASES
`REGULAR
`$66.00
`$42.00
`$4,566.64
`$97.27
`$4,687.91
`NO INT W/PYMTS FOR 12 MOS
`$542.47
`03/22/18
`$216.47
`$216.47
`$117.84
`04/07/19
`NO INT W/PYMTS FOR 12 MOS
`$635.78
`10/09/18
`$635.78
`$635.78
`$78.89
`11/07/19
`NO INT W/PYMTS FOR 18 MOS
`$534.93
`12/24/18
`$534.93
`$534.93
`$33.22
`07/07/20
`NO INT W/PYMTS FOR 24 MOS
`$3,904.67
`01/14/19
`$3,904.67
`$3,904.67
`$177.34
`02/07/21
`CASH ADVANCES
`REGULAR
`TOTAL
`$5,357.85
`$42.00-
`$4,566.64
`$97.27
`$9,979.76
`$0.00
`$407.29
`INTEREST CHARGE CALCULATION
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`Type of Balance
`Annual Percentage Rate (APR)
`Balance Subject to Interest Rate
`Interest Charge
`PURCHASES
`REGULAR
`27.49% (M)(V)
`$4,166.49
`$97.27
`NO INT W/PYMTS FOR 12 MOS
`27.49% (M)(V)
`-
`-
`NO INT W/PYMTS FOR 12 MOS
`27.49% (M)(V)
`-
`-
`NO INT W/PYMTS FOR 18 MOS
`27.49% (M)(V)
`-
`-
`NO INT W/PYMTS FOR 24 MOS
`27.49% (M)(V)
`-
`-
`CASH ADVANCES
`REGULAR
`30.24% (M)(V)
`$0.00
`$0.00
`(V) = Variable Rate
`

`

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`243402
`Page 4 of 4
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`
`EXHIBIT C
`EXHIBIT C
`
`
`
`

`

`
`
`Payment Information
`Summary of AccountActivi
`Previous Balance $10,911.56]|New Balance $11,082.83
`
`
`
`
`Payments -$0.00|[jini P ‘040,
`
`t D
`3,040.83
`Other Credits
`-$0.00 | Gee =
`sao 2019
`Purchases
`+$0.00
`y
`,
`Cash Advances
`+$0.00
`Late Payment Warning: If we do not receive your minimum paymentby the
`Fees Charged
`+$39,00
`date listed above, you may haveto pay alate fee up to $39.
`Interest Charged
`+$132.27
`Minimum Payment Warning:
`If you make only the minimum payment each
`New Balance
`$11,082.83
`period, you will pay morein interest andit will take you longer to pay off your
`
`balance. For example:
`
`
`
`Past Due Amount if you make no additional|You will pay off the$1,675.00 And youwill
`= balance shown on this|enduppayingan _imi ___ charges using this card
`
`
`
`
`Credit Limit
`$0.00
`:
`:
`:
`
`
`
`
`
`
`
`= tinabout...and each month yo! . tat stimated totalof...
`Available Credit
`$0.00 Eee ee a
`Cash AdvanceLimit
`$0.00
`Only the minimum payment
`26 years
`$38,497
`Available Cash Limit __
`$0.00
`$498
`3 years
`$17,931
`Amount OverCredit Limit
`$1,082.83
`(Savings=$20,566)
`Statement Closing Date
`09/12/2019
`If you wouldlike information about credit counseling services,call 1-877-337-8188.
`Next Statement Closing Date
`10/13/2019
`Daysin Billing Cycle
`30
`
`
`
`
`
`Account Statement
`SendNotice of Billing Errors and Customer Service Inquiries to:
`Sess
`BEST BUY CREDIT SERVICES
`CustomerService:
`PO Box 790441, St. Louis, MO 63179 My Best Buy® Go hetymcamn
`
`ccount Inquiries:
`a
`Visa® Card
`{-aae-eo0.bere
`
`
`
`
`
`
`
`TOhEhe
`
`You must pay your promotional balance of $635.78 in full by 11/07/19 to avoid paying deferred interest charges.
`
`You must pay your promotional balance of $534.93in full by 07/07/20 to avoid paying deferred interest charges.
`
`You must pay your promotional balance of $3,904.67in full by 02/07/21 to avoid paying deferred interest charges.
`
`Beginning in October, there will be a $5 expedited paymentfee to make a same day payment with a customer service agent. To make a paymentat any
`time with no fee, including a same day payment, you can use the automated voice response system or access your accountonline at
`bestbuy.accountonline.com.
`
`Please note that if we received your pay by phoneor online payment between 5 p.m. ET and midnight ET onthe last day of your billing period, your
`paymentwill not be reflected until your next statement.
`
`Please update your phone number,including cell phone numberon the back of the payment coupon.
`
`8HM7
`
`PLEASE SEE IMPORTANT INFORMATION ON PAGE2.
`Page 1 of 4
`This Accountis Issued by Citibank, N.A.
`WY
`Please detach and return lower portion with your payment
`to insure propercredit. Retain upper portion for your records.
`
`
`
`PO BOX 6204
`SIOUX FALLS, SD 57117-6204
`
`Statement Enclosed
`
`FATEMA RASHID
`1180 4TH ST APT 532
`SAN FRANCISCO, CA 94158-2379
`
`YourAccount Numberis Ei 2434 Pe
`
`Payment Due Date
`
`New Balance
`
`Past Due Amount?
`
`October7, 2019
`
`$11,082.83
`
`$1,675.00
`
`$3,040.83
`
`Minimum Payment Due
`a = =e
`Amount Enclosed: $
`TPast Due Amountis includedin the Minimum Payment Due.
`Please print address changes onthe reverseside.
`Make Checks Payable tow
`
`BEST BUY CREDIT SERVICES
`PO BOX 78009
`PHOENIX, AZ 85062-8009
`
`

`

`Information About Your Account.
`How to Avoid Paying Interest on Purchases. Your payment due dateis at least 25 days
`after the close of eachbilling cycle. We will not charge you any interest on purchasesif you
`pay your New Balance by the payment due date each month.This is called a grace period
`on purchases. To get a grace period on purchases, you must pay the New Balance by the
`payment due date everybilling cycle. We will begin charging interest on cash advances and
`balance transfers on the transaction date.
`
`If you have a balance subject to a deferred interest promotion and that promotion does not
`expire before the payment due date, that balance (an “excluded balance”) is excluded from
`the amount you mustpayin full to get a grace period on a purchase balance other than
`an excluded balance. In addition, if you have a reduced rate credit plan, that balance (an
`“excluded balance”) is excluded from the amount you mustpayin full to get a grace period
`ona purchase balance other than an excluded balance. However, you muststill pay any
`separately required payment on the excluded balance.In billing cycles in which payments
`are allocated to deferred interest balancesfirst, the deferred interest balance will be reduced
`before any other balance on the account. However, you will continue to get a grace period
`on purchases, other than an excluded balance, so long as you pay the New Balance(less any
`excluded balance, plus any separately required payment on an excluded balance)in full by the
`payment due date eachbilling cycle. Deferred interest offers may also be called Same As Cash
`or No Interest.
`
`In addition, certain promotional offers not described above may also allow you to have a grace
`period on purchases without having to pay all or a portion of the promotional balance by the
`payment due date. If that is the case, the promotional offer will describe what happens.
`How WeCalculate Your Balance Subject to Interest Rate. We use a daily balance method
`(including current transactions) to calculate interest charges. To find out more information
`about the balance computation method and how the resulting interest charges were
`determined, contact us at the Account Inquiries numberon the front.
`Balance Transfers. Balance transfer amounts are included in the “Purchases”line in the
`Summary of AccountActivity.
`Membership Fee. Some accounts are charged a membership fee. To avoid payingthisfee,
`notify us that you are closing your account within 30 days of the mailing or delivery date of
`the statement on which the fee is billed.
`
`Minimum Interest Charge. If we charge interest, the charge will be no less than $1.
`Other Account and PaymentInformation.
`Payment Amount. You maypayall or part of your account balance at any time. However, you
`must pay, by the payment due date, at least the minimum payment due.
`When Your PaymentWill Be Credited. If we receive your paymentin proper form at our
`processing facility by 5 p.m. local time there,it will be credited as of that day. A payment
`received there in proper form after that time will be credited as of the next day. Allow 5 to
`7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in
`crediting a payment wereceivethat is not in proper form or is not sent to the correct address.
`The correct address for regular mail is the address on the front of the payment coupon. The
`correct address for express mail is shown in the Express Mail section.
`Proper Form. For a payment sent by mail or courier to be in proper form, you must:
`* Enclose a valid check or money order. No cash, gift cards, or foreign currency please.
`* Include your name and the last four digits of your account number.
`Payment Other Than By Mail.
`* In-Store (Where Available). Any paymentin proper form acceptedin-store will be
`credited as of that day. However, credit availability may be subject to verification of funds.
`Notall stores accept payments. Contact your local store to seeif in-store payments are
`accepted at that location.
`* Online/AutoPay. Go to the URL on Page 1 of your statement to make a paymentonline.
`You can also enroll in AutoPay and have your payment amount automatically deducted
`each month from the payment account you choose.
`* Phone.Call the number on Page 1 of your statement to make a payment by phone.For
`phone payments, you authorize us to electronically debit your specified bank account by
`an ACH transaction in the amount and on the date that you indicate on the phone. You
`
`TOhEhe
`
`may cancel a phone paymentbycalling us at the Customer Service numberat the top of
`Page1 within the time period disclosed to you on the phone. Thereis no fee for making a
`paymentusing our automated voice response system.
`* Express Mail. Send payment by express mail to: Consumer Payment Dept., 6716 Grade
`Lane, Building 9, Suite 910, Louisville, KY 40213.
`* Crediting Payments other than by Mail. The payment cutoff time for Online bill
`payments, Phone payments, and Express Mail payments is midnight Eastern time. This
`means that we will credit your account as of the calendar day, based on Eastern time, that
`we receive your payment request.
`If you send aneligible check with this payment coupon, you authorize us to complete
`your paymentbyelectronic debit. If we do, the checking accountwill be debited in the
`amounton the check. We maydo this as soon as the day we receive the check. Also, the
`check will be destroyed.
`Credit Reporting Disputes. We may report information about your accountto credit
`bureaus.If you think we reported inaccurate information, please write us at: Credit Bureau
`Dispute Verification, P.O. Box 6497, Sioux Falls, SD 57117.
`Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on
`Pagel.
`WhatTo Do If You Think You Find A Mistake On Your Statement.If you think there is an
`error on your statement, write to us at the addressfor billing errors and customer service
`inquiries shown on Page 1 of your statement.
`In your letter, give us the following information:
`1. Account information: Your name and account number.
`2. Dollar amount: The dollar amount of the suspected error.
`3. Description of Problem: If you think there is an error on your bill, describe what you believe
`is wrong and why youbelieveit is a mistake.
`You must contact us within 60 days after the error appeared on your statement.
`You mustnotify us of any potential errors in writing. You maycall us, but if you do we are not
`required to investigate any potential errors and you may have to pay the amountin question.
`While we investigate whether or not there has been an error,the following are true:
`* We cannottry to collect the amount in question, or report you as delinquent on that
`amount.
`* The charge in question may remain on your statement, and we may continue to charge
`you interest on that amount. But, if we determine that we made a mistake, you will not
`have to pay the amountin question or any interest or other fees related to that amount.
`* While you do not have to pay the amount in question, you are responsible for the
`remainder of your balance.
`* We can apply any unpaid amount against your creditlimit.
`Your Rights If You Are Dissatisfied With Your Credit Card Purchases.If you are
`dissatisfied with the goodsor services that you have purchased with your credit card, and you
`havetried in good faith to correct the problem with the merchant, you may havethe right not
`to pay the remaining amount due on the purchase.
`To usethis right,all of the following must be true:
`1. The purchase must have been made in your home state or within 100 miles of your current
`mailing address, and the purchase price must have been more than $50. (Note: Neither of
`these are necessaryif your purchase was based on an advertisement we mailed to you, orif
`we own the companythat sold you the goodsorservices.)
`2. You must have used your credit card for the purchase. Purchases made with cash advances
`from an ATM or with a check that accesses your credit card account do not qualify.
`3. You mustnot yet have fully paid for the purchase.
`If all of the criteria above are met and youarestill dissatisfied with the purchase, contact us
`in writing at the addressfor billing errors and customerservice inquiries shown on Page 1 of
`your statement.
`While weinvestigate, the same rules apply to the disputed amount as discussed above. After
`wefinish our investigation, wewill tell you our decision. At that point, if we think you owe an
`amount and you do not pay, we may report you as delinguent.
`BBY MC NA APR19
`
`/A/- HM - 3356-7203-0001- N2 -/B/- 4269897574 - S /C/-E-9-X-53-YD/-P- - -0-N-E/-7-
`IGI-N- -
`- JH-0- -YKKV-V /V-V- -0-0- - WU -
`- -1901M- - 0619
`
`-
`
`- -0-0-/F/- 04/12/19 - 12/01/16 - 33 - August 13, 2019
`
`Page 2 of 4
`
`Please provide changeof address and update/add your
`phone numbers’here: (Use blue or black ink.)
`
`*Cell:
`
`*Home:
`
`‘Phone: By giving us a cell number or a number later converted to a
`cell number, you agree that we or our service providers can contact
`you at that number by autodialer, recorded or artificial voice, or a text.
`Your phone plan charges may apply.
`
`

`

`Account: **** **** **** 2434
`
`TRANSACTIONS
`
`Trans Date Description
`FEES
`09/07
`
`LATE FEE
`TOTAL FEES FORTHIS PERIOD
`INTEREST CHARGED
`09/12
`INTEREST CHARGE ON PURCHASES
`TOTAL INTEREST FOR THIS PERIOD
`
`
`Total Fees Chargedin 2019 $335.00
`
`Total Interest Charged in 2019
`$969.34
`
`Reference #
`
`Amount
`
`$
`$
`
`$
`$
`
`39.00
`39.00
`
`132.27
`132.27
`
`ACTIVITY AND PROMOTIONS DETAIL
`
`Purchases,
`Original
`Promotion
`Deferred
`Promotion
`Cash Adv,
`Payments
`Promotion Promo
`Expiration
`Interest
`Minimum
`New
`Interest
`Fees &
`& Other
`Previous
`Trans
`Trans
`
`
`
`
`Amount_Date Other Debits|ChargedBalance Credits Balance PaymentDue__ Charges Date
`
`
`
`PURCHASES
`REGULAR
`
`COhEhe
`
`-
`-
`NO INT W/PYMTS FOR 12 MOS
`$635.78
`100948
`NO INT W/PYMTS FOR 18 MOS
`$534.93
`122448
`NO INT W/PYMTS FOR 24 MOS
`$3,904.67
`01/14/19
`CASH ADVANCES
`REGULAR
`
`$5,836.18
`
`$635.78
`
`$534.93
`
`$3,904.67
`
`-
`
`-
`
`-
`
`-
`
`$39.00
`
`$132.27
`
`$6,007.45
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`$635.78
`
`$534.93
`
`$3,904.67
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`$184.10
`
`11/07A9
`
`$116.87
`
`07/07/20
`
`$778.29
`
`0207/21
`
`TOTAL
`
`$10,911.56
`
`$0.00
`
`$39.00
`
`$132.27
`
`$11,082.83
`
`$0.00
`
`$1,079.26
`
`= Variable Rate
`
`INTEREST CHARGE CALCULATION
`Typeof Balance |
`a
`PURCHASES
`REGULAR
`NO INT W/PYMTS FOR 12 MOS
`NO INT W/PYMTS FOR 18 MOS
`NO INT W/PYMTS FOR 24 MOS
`CASH ADVANCES
`REGULAR
`
`Your Annual Percentage Rate (APR)is the annualinterest rate on your account.
`_
`Annual PercentageRate(APR) _Balance Subjectto Interest Rate
`InterestCharge|
`
`$5,907.57
`
`$132.27
`
`27.24% (M)\(V
`27.24% (M\(V
`27.24% (M)\(V
`27.24% (M\(V
`
`29.99% (M)(V
`
`Page 3 of 4
`
`

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`COhEhe
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`Page 4 of 4
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