GURSTEL LAW FIRM, P.C.
`Gurstel Law Firm, P.C.'s California
`Debt Collection License application
`is submitted and pending approval.
`Kimberlee Tsai (SBN ¹ 227426)
`Rachel Haney (SBN ¹ 308259)
`Jason Burrows (SBN¹ 309882)
`Brianna Elmassian (SBN¹ 329673)
`Eileen Ortega (SBN¹ 331234)
`9320 East Raintree Drive
`Scottsdale, AZ 85260
`Telephone: (877) 344-4002
`Fax: (877) 750-6335
`Email: info@gurstel.corn
`Attorneys for Plaintiff,
`CA 1481153
`
`ELECTRONICALLY
`F I L E D
`
`Superior Court of California,
`County of San Francisco
`09/20/2023
`Clerk of the Court
`BY: RONNIE OTERO
`Deputy Clerk
`
`SUPERIOR COURT OF CALIFORNIA
`SAN FRANCISCO COUNTY
`
`Synchrony Bank
`
`vs
`
`Amber Tyler, et al.
`
`Plaintiff,
`
`Case No. CGC22602805
`
`PLAINTIFF'S EXHIBIT LIST
`
`Date: October 9, 2023
`Time: 9;30am
`Dept.: 206
`
`Plaintiff hereby respectfully submits
`
`Defendant(s).
`its Trial Exhibit List as follows:
`
`1. Billing Statements
`
`I 2 3 4 5 6 7 8 9
`
`10
`
`12
`
`13
`
`14
`
`15
`
`16
`
`17
`
`18
`
`19
`
`20
`
`21
`
`22
`
`23
`
`24
`
`25
`
`26
`
`27
`
`28
`
`Page 5
`PLAINTIFF'S TRIAL EXHIBIT LIST
`
`
`

`

`2. Terms and Conditions
`
`Dated September 19, 2023
`
`GURST
`
`P.C.
`
`] Kimb~e Tsai
`[
`] RacPll Haney
`[
`[x] Jason Burrows
`] Brianna Elmassian
`[
`] Eileen Ortega
`
`[
`
`10
`
`12
`
`13
`
`14
`
`15
`
`16
`
`17
`
`18
`
`19
`
`20
`
`21
`
`22
`
`23
`
`24
`
`25
`
`26
`
`27
`
`28
`
`Page 6
`
`

`

`“EXHIBIT 1"
`
`Page 7
`
`

`

`Summary of Account Activity
`Previous Balance
`- Payments
`+ Interest Charged
`New Balance
`
`Credit Limit
`Available Credit
`Cash Limit
`Available Cash
`Statement Closmg Date
`Days in Billing Cyde
`
`AMBER TYLER
`Account Number
`
`$ 1,906
`
`5'57 00
`$ 40.27
`$ 1,S89.78
`
`$ 1,900 00
`$ 10 00
`$380 00
`$ 10 00
`08/02/2021
`31
`
`7265
`Payment Information
`New Balance
`Total Minimum Payment Due
`Payment Due Date
`
`Vmt us at eseMce oldnavy corn
`Customer Service I 866450 5294
`
`$ 1,889 78
`$ 60 00
`08/25/2021
`
`Late Payment Warning: If we do not receive your Total
`Minimum Payment Due by the Paymenl Due Date listed
`above, you may have to pey e late fee up lo $40 00
`Minimum Payment Warning: If you make only the minimum
`payment each pared, you will pay more in interest and it will
`take you longer to pay olf your balance For example:
`
`It you make no
`add/bonal charges
`using this cant
`and each month
`you pay
`
`You vnd pay olf
`the balance
`silowll on Ill la
`statement ln
`etlout
`
`And you will end
`up paying an
`esbmated total
`of .
`
`Only the Minimum
`payment
`
`$/5 00
`
`10
`Teals
`
`3 Teem
`
`If you would like lnformabon about
`services, catt iul77 3024I775
`
`$4,444 00
`
`$ 2,718 00
`(Sawngs =
`$1,726 00)
`credit counseling
`
`Transaction Summary
`Tran Date Post Date Reference Number
`Descnpbon of Transaction or Credd
`'Purchases in Our Stores(Gsp, Old Navy, Banana Republic and Athlete)
`Other Transactions (gas, gmcenes, etc )
`0//04
`74479945500256HII
`07/04
`
`ONLINE PAYMENTTHANKYOU
`
`08/02
`08/02
`(Conbnued on next page)
`
`FEES
`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`
`Amount
`
`($57 00)
`
`$ 0 00
`
`$40 27
`
`PAYMFNT GUF RY 5 P M IFTI ON THF OUF GATF
`Noace We may convert your payment into an electronic debit See Statement Disclosures link on your eSerwces Matement Page
`for details, Billing Rights and other important informabon
`
`I
`
`7
`
`2
`
`2103 ~ 2
`
`1
`
`1 3
`
`3177
`
`leuc
`
`303
`
`1 Soll
`
`Total Minimum
`Payment Due
`$60 00
`
`Account Number
`Payment Due Date
`New Balance
`
`08/25/2021 ~ $ 1,889 78
`
`7265
`
`Save a stamp, pay on line $
`
`We curn:ntly do not accept
`payments in our stores
`
`AMBER TYLER
`1255 PALOU AVE
`SAN FRANCISCO CA 94124 3332
`
`Make Payment TotOLD NAI/Y VISA/5YNCB
`PO BOX960017
`ORLANDO, FL 328960017
`
`Page 8
`
`

`

`Need an extra card?
`
`Call us at 1-866-448-4367
`
`Page g
`
`

`

`Transaction Summary(continued)
`
`Tran Date Post Date Reference Number
`08I02
`08/02
`
`2021
`
`Total Interesi Charged in
`
`2021
`
`Total Interest Paid in
`
`2021
`
`Descnpion of Transaction or Credit
`INTEREST CHARGE ON CASH ADVANCES
`TOTAL INTEREST FOR THIS PERIOD
`2021 Totals Year.Te-bate
`Total Fees Charged in
`
`Amount
`$000
`$40.27
`
`$000
`$311 72
`
`$278 59
`
`Balance
`Sutyed To
`Interest Rate
`
`Interest
`Charge
`
`(APR) is the annual interest rate on your account.
`Annual
`Percentage
`Rate
`
`Interest Charge Calculation
`Your Annual Percentage Rate
`
`Type of Balance
`Current Transactions
`Purchases
`Cash Advances
`Transactions on or before 09/01/2019
`Regular Purchases
`(v) = venable rate
`
`N/A
`N/A
`
`N/A
`
`25 99%(v)
`26 99%(v)
`
`24 99%(v)
`
`$662 45
`$0 00
`
`$ 1,208 31
`
`$ 14 63
`$0 00
`
`$25 64
`
`I Cardholder News and Information
`Synchmny Bank may continue to obtam informaion, including employment and income informabon from others about you
`(including refiuesing reports from consumer repoAing agendas and other sources) to renew, maintarn or coiled your accounL
`Your Rewards Program iust got better With your new Navyist Rewards membership, you can earn pmnts and redeem
`rewards every erne you shop auoss our family of brands Your new benefits include faster rewards (eam $ 1 for every 100
`points) with more oppoAunihes to earn bonus points, plus you'l be able to pay it forward wrth Do Good, a new option to donate
`your n:wards to a good cause For more information on Navyisl Rewards, visit www oldnavy corn/navytstrewards
`With Navyist Rewards, no matter how you spend, all your point- can be in one place Redeeming is easy, loo You can
`ly fb 6,
`redeem a $ 1 rewanl for every 100 points e
`xclusions Visit
`ch
`th
`d
`f
`d
`www oldnavy corn/navyistrewards to view your available Rewards balance
`One Membership Four Brands Enioy the benefits of your One Membership when you shop across our family of brands No
`matter where you loin ed, your membership can travel with you
`JUST FOR YOU CHANGES TO REWARDS
`"Starting 7/20 you'l see some exdtmg new changes to your cardmember rewards 8 benefits"To leam more, visit
`www oldnavy corn/RewardProgramTerms for terms and conditions
`Ouesions'I Visit www oldnavy corn/rewardsfafi or call I 800 653 6289
`Earn Rewards with your Navyist Rewards Visa Credit Card Earn 5 points for every $ 1 spent at Okl Navy, Gap, Banana
`Repubic and Athlete and I pomt for every $ 1 spent 0000where else your Navyist Rewanls Visa Grade Card is accepted
`Lookmg fora more convement due date'I Call customer service at the phone number on your statement le determine rf eligible
`and discuss available ophons
`
`Page 10
`
`I
`
`7
`
`2
`
`210002
`
`2
`
`6 3
`
`317
`
`1600
`
`003
`
`1
`
`6066
`
`

`

`6544
`
`BYH
`
`L
`1
`
`7
`7
`
`2
`2
`
`210802
`210802
`
`Page 11
`PAGE 2 of 3
`1 3
`3
`
`3179
`317
`
`1600 D503 O1GE6544
`1600
`6566
`503
`1
`
`

`

`Previous Balance
`- Payments
`~ Purchases/Debits
`+ Interest Charged
`New Balance
`
`Credit Limit
`Available Credit
`Cash Limit
`Available Cash
`Statement Closmg Date
`Days in Billing Cycle
`
`AMBER TYLER
`Account Number
`
`$ 1,889 78
`$60 00
`$ 103 31
`$40.93
`$ 1,974.02
`
`$ 1,900 00
`OVERLIMIT
`$380 00
`OVERLIMIT
`09/02/2021
`31
`
`Vmt us at eseMce oldnavy corn
`Customer Service I 866450 5294
`
`7265
`Payment Information
`New Balance
`otal Minimum Payment Due
`Overlimit Amount
`Payment Due Date
`Late Payment Warning: If we do not receive your Total
`Minimum Payment Due by the Payment Due Date listed
`you may have to pey a late fee up lo $40 00
`Minimum Payment Warning: If you make only ths minimum
`payment each pared, you will pay more in interest and it will
`you longer to pay og your balance For example:
`
`$ 1,974 02
`$ 61.00
`$ 74 02
`09I25/2021
`
`If you make no
`adCiuonal charges
`using this card
`and each month
`you lmy
`
`You wdl pey og
`the balance
`showll Oil 8115
`statement ln
`llixnlt
`
`And you will end
`up paying an
`85brll81811 tot81
`of
`
`Only the Minimum
`payment
`
`$79 00
`
`10
`feels
`
`3 Teem
`
`If you would like lnformabon about
`services, call I JITTGBZJIT/5
`
`$4,700 00
`
`$2,840 00
`(Sawngs =
`$1,860 00)
`credit counseling
`
`Tran Date Post Date Reference Number
`Descnpuon of Transaction or Grads
`'Purchases in Our Stores(Gap, Old Navy, Banana Republic and Athlete)
`
`Other Transactions (gas, grocenes, etc )
`08/03
`08/03
`74479946ROOXS6H15
`08/18
`08/18
`241374677HEZAZ0T9
`08/19
`08/19
`24011347700054Y3D
`2443106772DZKP6E9
`08/19
`08/19
`
`ONLINE PAYMENT THANK YOU
`USPS CHANGE OF ADDRESS 800 2393150 TN
`I4IN6368535 CA
`REVI'UJI TIME DE
`AMAZON COM'2D5LI08VO AMEN AMEN COM/BILL
`WA
`
`Amount
`
`($60 00)
`$ 1 05
`$585
`$41 26
`
`e)
`
`(Conhnued on next peg
`PAYMFNT OUF HY 5 P M IFTI ON THF OUF OATF
`Noace We may convert your payment into an electronic debit See Statement Disclosures link on your eSerwces Matement Page
`for details, Billing Rights and other important informahon
`
`I
`
`7
`
`2
`
`2109 ~ 2
`
`1
`
`1 3
`
`3179
`
`lsec
`
`553
`
`1
`
`5599
`
`Total Minimum
`Due
`
`00
`
`Payment
`Due Date
`09I25/2021
`
`Account Number:
`Dverlimit
`Amount
`
`7265
`New Balance
`
`02
`
`Save a stamp, pay on line $
`
`We curn:ntly do not accept
`payments in our stores
`
`AMBER TYLER
`1255 PALOU AVE
`SAN FRANCISCO CA 94124 3332
`
`Make Payment To:OLD NAVY VISA/SYNCB
`PO BOX960017
`ORLANDO, FL 328960017
`
`

`

`Need an extra card?
`Need an extra card?
`
`
`
`Call us at 1-866-448-4367
`Call us at 1-866-448-4367
`
`Page 13
`Page 13
`
`

`

`Tran Date Post Date Reference Number
`08/19
`08/19
`240019778RDQ4WPEV
`
`Descnpion of Transaction or Credit
`TWIN PEAKS AUTO CARE SAN FRANCISCO CA
`
`09/02
`09/02
`
`00/02
`00/02
`
`FEES
`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`TOTAL INTEREST FOR THIS PERIOD
`1 vawmnrrcwrmrxxww
`
`Total Fees Charged in
`
`2021
`
`Total Interest Charged In
`
`2021
`
`Total Interest Paid in
`
`2021
`
`$000
`$352 65
`
`$304 23
`
`Amount
`$ 55.15
`
`$ 0.00
`
`$40 93
`$000
`$40.93
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account
`Airline l
`Percentage
`Rate
`
`Balance
`SuNwd To
`Interest Rate
`
`Interest
`Ciiarge
`
`Type of Balance
`Current Transactions
`Purchases
`Cash Advances
`Transactions on or before 09/01/2019
`Regular Purchases
`(v) = venable rate
`
`N/A
`N/A
`
`N/A
`
`25 99%(v)
`26 99% (v)
`
`$727 51
`$0 00
`
`24 99%(v)
`
`$ 1,171 73
`
`$ 16 06
`$0 00
`
`$24 87
`
`Cardholder News and Information
`Synchrony Bank may contmue to obtam informaion, including employment and inmme informabon from others about you
`(including reo uesing reports from consumer reponing agenoes and other sources) to rewew, maintarn or coged your accounL
`Your Rewards Program lust got better With your new Navyist Rewards membership, you can earn pmnls and redeem
`rewards every arne you shop auoss our family of brands Your new benefits include faster rewards (eam $ 1 for every 100
`points) with more opponunihes to earn bonus points, plus you'l be able to pay it forward vnlh Do Good, a new option to donate
`your rewards to a good cause For more information on Navyisl Rewards, visit www oldnavy mm/navyrstrewards
`With Navyist Rewards, no matter how you spend, ag your point- can be in one place Redeeming is easy, loo You can
`redeem a $ 1 reward for every 100 points earned across our family of brands, with no merchandise exclusions Visit
`www oldnavy corn/navyistrewards to view your available Rewards balance
`One Membership Four Brands Enioy the benefits of your One Membership when you shop across our family of brands No
`matter where you/oined, your membership can travel with you
`JUST FOR YOU CHANGES TO REWARDS
`"Starting 7/20-you'l see some exmtmg new changes to your cardmember rewards & benefits To leam more, wart
`www oldnavy corn/RewardProgramTerms for tenne and conditions
`Quesions'I Visit www oldnavy corn/rewardsfac or call I 800 653 6289
`Earn Rewards with your Navyist Rewards Visa Credit Card Earn 5 points for every $ 1 spent at Old Navy, Gap, Banana
`Republic and Athlete and I pomt for every $ 1 spent everywhere else your Navyist Rewards Visa Creda Card w accepted
`Looking for a mere convenient due date'I Call customer service at the phone number on your statement to determine if eligible
`and discuss available options
`Your account is over its credit hmit Please pay the amount by which your balance exceeds the credit limit plus the
`minimum payment due. If you have already sent ue this payment, thank you.
`
`PS(D 14
`
`1
`
`7
`
`2
`
`210602
`
`2
`
`6 3
`
`317
`
`1600
`
`003
`
`1
`
`6366
`
`

`

`6544
`
`BYH
`
`L
`1
`
`7
`7
`
`2
`2
`
`210902
`210602
`
`Page 15
`OPAGE 3 of 3
`6 3
`3
`
`3179
`317
`
`1600 D503 O1GE6544
`1600
`6566
`503
`1
`
`

`

`Previous Balance
`- Payments
`+ Interest Charged
`New Balance
`
`Credit Limit
`Available Credit
`Cash Limit
`Available Cash
`Statement Closmg Date
`Days in Biding Cyde
`
`AMBER TYLER
`Account Number
`
`$ 1,974 02
`$61 00
`$ 38.99
`$ 1,952.01
`
`$ 1,900 00
`OVERLIMIT
`$380 00
`OVERLIMIT
`10/01/2021
`29
`
`Vmt us at eseMce oldnavy corn
`Customer Service I 866450 5294
`
`7265
`Payment information
`New Balance
`otal Minimum Payment Due
`Overlimit Amount
`Payment Due Date
`Late Payment Warning: If we do not receive your Total
`Minimum Payment Due by the Payment Due Date listed
`you may have to pey a late fee up lo $40 00
`Minimum Payment Warning: If you make only ths minimum
`payment each pared, you will pay more in interest and it will
`you longer to pay og your balance For example:
`
`$ 1,952 01
`$ 59 00
`$ 52 01
`10/25/2021
`
`If you make no
`adCiuonal chames
`using this card
`and each month
`you lmy
`
`You wdl pey og
`the balance
`showll Oil 8115
`statement ln
`llixnlt
`
`And you will end
`up paying an
`85b/ll8ieil tot81
`of
`
`Only the Minimum
`payment
`
`$78 00
`
`10
`Teals
`
`3 Teem
`
`If you would like informabon about
`services, call I 4ITTG023IT/5
`
`$4,637 00
`
`$2,809 00
`(Sawngs =
`$1,828 00)
`credit counseling
`
`Tran Date Post Date Reference Number
`Descnpuon of Transaction or Grads
`'Purchases in Our Stores(Gap, Old Navy, Banana Republic and Athlete)
`
`Other Transactions (gas, grocenes, etc )
`09/03
`09/03
`74479947ROOXS6HIT
`
`ONLINE PAYMENTTHANKYOU
`
`FEES
`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGED
`
`Amount
`
`($61 00)
`
`$ 0 00
`
`(Continued on next page)
`
`PAYMFNT OUF BY 5 P M IFTI ON THF OUF OATF
`Noace We may convert your payment into an electronic debit See Statement Disclosures link on your eSerwces Matement Page
`for details, Billing Rights and other important informaaon
`
`I
`
`7
`
`2
`
`2110 ~ 1
`
`1
`
`1 3
`
`3175
`
`16OO
`
`553
`
`1
`
`6546
`
`Total Minimum
`Due
`
`00
`
`Payment
`Due Date
`10/25/2021
`
`Account Number:
`Overlimit
`Amount
`
`7265
`New Balance
`
`Save a stamp, pay on line $
`
`We curn:ntly do not accept
`payments in our stores
`
`AMBER TYLER
`1255 PALOU AVE
`SAN FRANCISCO CA 94124 3332
`
`Make Payment To:OLD NAI/Y VISA/6YNCB
`PO BOX960017
`ORLANDO, FL 328960017
`
`Pa(M 16
`
`

`

`Need an extra card?
`Need an extra card?
`
`
`
`Call us at 1-866-448-4367
`Call us at 1-866-448-4367
`
`Page 17
`Page 17
`
`

`

`Tran Date Post Date Reference Number
`10/01
`10101
`
`10/01
`
`10/01
`
`Descnpbon of Transaction or Credit
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`TOTAL INTEREST FOR THIS PERIOD
`6 vawimucwrmmm rf
`
`Amount
`$ 39.99
`$000
`$39.99
`
`Total Fees Charged in
`
`2021
`
`Total Interest Charged m 2021
`
`Total Interest Paid in
`
`2021
`
`$000
`
`$391 04
`
`$329 10
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account
`Annual
`Percentage
`Rate
`
`Type of Balance
`Current Transactions
`Purchases
`Cash Advances
`Transactions on or before 09/01/2019
`Regular Purchases
`(v) = venable rate
`
`N/A
`N/A
`
`N/A
`
`25 99%(v)
`20 99% (v)
`
`24 99%(v)
`
`Balance
`Subied To
`Interest Rate
`
`Interest
`Charge
`
`$/97 33
`$0 00
`
`$ 1,134 44
`
`$104/
`$0 00
`
`$22 52
`
`Cardholder News and information
`Synchmny Bank may contmue to obtam informakon, including employment and income informabon from others about you
`(including requeskng reports from consumer reporhng agendas and other sources) to review, maintain or coged your accounL
`Your Rewards Program iust got better With your new Navyist Rewards membership, you can eam pmnts and redeem
`rewanls every arne you shop auoss cur family of brands Your new benefits include faster rewards (eam $ 1 for every 100
`points) with more opponunities to eam bonus points, plus you'l be able to pay it forward wrth Do Good, a new option to donate
`your rewards to a good cause For more mformstion on Navyisl Rewards, visit www oldnavy corn/navytstmuards
`With Navyist Rewards, no matter how you spend, ag your point- can be in one place Redeeming is easy, loo You can
`redeem a $ 1 rewanl for every 100 points earned across our family of brands, with no merchandise exclusions Visit
`www oidnavy corn/navyistrewards to view your available Rewards balance
`One Membership Four Brands Enioy the benefits of your One Membership when you shop acro% our family of brands No
`matter where you/oined, your membership can travel with you
`Earn Rewards with your Navyist Rewards Visa Credit Card Earn 5 points for every $ 1 spent at Okl Navy, Gap, Banana
`Republic and Athlete and I pout for every $ 1 spent everywhere else your Navyist Rewards Visa Creda Card w accepted
`Looking fora more convenient due date'I Call custemer service at the phone number on your statement to determine rf eligible
`and discuss available options
`Your account is over its credit hmit Please pay the amount by which your balance exceeds the credit limit plus the
`mimmum payment due. If you have already sent us this payment, thank you.
`
`Psy: 18
`
`I
`
`7
`
`2
`
`211001
`
`2
`
`f 3
`
`317
`
`1600
`
`003
`
`1
`
`6366
`
`

`

`6544
`
`BYH
`
`L
`1
`
`7
`7
`
`2
`2
`
`211001
`211001
`
`Page 19
`Pa95 19
`OPAGE 3 of 3
`6 3
`3
`
`3179
`317
`
`1600 D503 O1GE6544
`1600
`6566
`503
`1
`
`

`

`Previous Balance
`- Payments
`+ Interest Charged
`New Balance
`
`Credit Limit
`Available Credit
`Cash Limit
`Available Cash
`Statement Closmg Date
`Days in Biding Cyde
`
`AMBER TYLER
`Account Number
`
`$ 1,952 01
`$59 00
`$ 42.72
`$ 1,935.73
`
`$ 1,900 00
`OVERLIMIT
`$380 00
`OVERLIMIT
`11/02/2021
`32
`
`Vmt us at eseMce oldnavy corn
`Customer Service I 866450 5294
`
`7265
`Payment information
`New Balance
`otal Minimum Payment Due
`Overlimit Amount
`Payment Due Date
`Late Payment Warning: If we do not receive your Total
`Minimum Payment Due by the Payment Due Date listed
`you may have to pey a late fee up lo $40 00
`Minimum Payment Warning: If you make only ths minimum
`payment each pared, you will pay more in interest and it will
`you longer to pay og your balance For example:
`
`$ 1,935 73
`$ 63 00
`$ 35 73
`I I l25/2021
`
`If you make no
`adCiuonal chames
`using this card
`and each month
`you lmy
`
`You wdl pey og
`the balance
`showll Oil 8115
`statement ln
`llixnlt
`
`And you will end
`up paying an
`85brll8ieil tot81
`of
`
`Only the Minimum
`payment
`
`$77 00
`
`10
`Teals
`
`3 Teem
`
`If you would like informabon about
`services, call I 4ITTG024IT/5
`
`$4,581 00
`
`$2,786 00
`(Sawngs =
`$1,795 00)
`credit counseling
`
`Tran Date Post Date Reference Number
`Descnpuon of Transaction or Grads
`'Purchases in Our Stores(Gap, Old Navy, Banana Republic and Athlete)
`
`Other Transactions (gas, grocenes, etc )
`10/04
`74479948NOOXS6H10
`10/04
`
`ONLINE PAYMENT THANK YOU
`
`FEES
`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGED
`
`Amount
`
`($59 00)
`
`$ 0 00
`
`(Continued on next page)
`
`PAYMFNT OUF BY 5 P M IFTI ON THF OUF OATF
`Noace We may convert your payment into an electronic debit See Statement Disclosures link on your eSerwces Matement Page
`for details, Billing Rights and other important informaaon
`
`I
`
`7
`
`2
`
`2111 ~ 2
`
`1
`
`1 3
`
`3175
`
`16OO
`
`553
`
`1
`
`6566
`
`Total Minimum
`Due
`
`00
`
`Payment
`Due Date
`11/25/2021
`
`Account Number:
`Overlimit
`Amount
`
`7265
`New Balance
`
`73
`
`Save a stamp, pay on line $
`
`We curn:ntly do not accept
`payments in our stores
`
`AMBER TYLER
`1371 PALOU AVE
`SAN FRANCISCO CA 94124 2751
`
`Make Payment To:OLD NAI/Y VISA/6YNCB
`PO BOX960017
`ORLANDO, FL 328960017
`
`Pa(M 20
`
`

`

`Need an extra card?
`Need an extra card?
`
`
`
`Call us at 1-866-448-4367
`Call us at 1-866-448-4367
`
`Page 21
`Page 21
`
`

`

`Tran Date Post Date Reference Number
`I H02
`11/02
`11/02
`
`11/02
`
`Descnpbon of Transaction or Credit
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`TOTAL INTEREST FOR THIS PERIOD
`3 vawmencwrstmum rt
`
`Amount
`$42 72
`$000
`$42.72
`
`Total Fees Charged in
`
`2021
`
`Total Interest Charged m 2021
`
`Total Interest Paid in
`
`2021
`
`$000
`
`$434 36
`
`$351 62
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account
`Annual
`Percentage
`Rate
`
`Balance
`Subied To
`Interest Rate
`
`Interest
`Charge
`
`Type of Balance
`Current Transactions
`Purchases
`Cash Advances
`Transactions on or before 09/01/2019
`Regular Purchases
`(v) = venable rate
`
`N/A
`N/A
`
`N/A
`
`25 99%(v)
`26 99% (v)
`
`24 99%(v)
`
`$814 83
`$0 00
`
`$ 1,102 50
`
`$ 18 57
`$0 00
`
`$24 15
`
`Cardholder News and Information
`Synchmny Bank may contmue to obtam informakon, including employment and income informabon from olhers about you
`date 'I
`(including requeskng reports from consumer reporbng agendas and other sources) to review, maintain or coged your accounL
`With Navyist Rewards, no matter how you spend, sg your point- can be in one place Redeeming is easy, loo You can
`redeem a $ 1 reward for every 100 points earned across our family of brands, with no merchandise exclusions Visit
`www oldnavy corn/navyistrewards to view your available Rewards balance
`One Membership Four Brands Enioy the benefits of your One Membership when you shop across our family of brands No
`m aber where you/oined, your membership can travel with you
`Earn Rewards with your Navyist Rewards Visa Credit Cant Earn 5 points for every $ 1 spent at Okl Navy, Gap, Banana
`Repubkc and Athlete and I pout for every $ 1 spent everywhere else your Navyist Rewards Visa Grads Card is accepted
`Gag customer service at the phone number on your statement lo determine rf eligible
`Lookmg for a more convenient due
`and Ciscuss available ophons
`Your account 10 over its credit hmit Please pay the amount by which your balance exceeds the credit limit plus the
`mimmum payment due. If you have already sent us this payment, thank you.
`
`Page 22
`
`I
`
`7
`
`2
`
`211102
`
`2
`
`f 3
`
`317
`
`1600
`
`003
`
`1
`
`6066
`
`

`

`6544
`
`BYH
`
`L
`1
`
`7
`7
`
`2
`2
`
`211102
`211102
`
`Page 23
`OPAGE 3 of 3
`0 3
`3
`
`3179
`317
`
`1600 D503 O1GE6544
`1600
`6566
`503
`1
`
`

`

`Previous Balance
`- Payments
`~ Purchases/Debits
`+ Interest Charged
`New Balance
`
`Credit Limit
`Available Credit
`Cash Limit
`Available Cash
`Statement Closmg Date
`Days in Billing Cycle
`
`AMBER TYLER
`Account Number
`
`$ 1,935 73
`$63 00
`$56 03
`$40.26
`$ 1,969.02
`
`$ 1,900 00
`OVERLIMIT
`$380 00
`OVERLIMIT
`12/02/2021
`30
`
`Vmt us at eseMce oldnavy corn
`Customer Service I 866450 5294
`
`7265
`Payment information
`New Balance
`otal Minimum Payment Due
`Overlimit Amount
`Payment Due Date
`Late Payment Warning: If we do not receive your Total
`Minimum Payment Due by the Payment Due Date listed
`you may have to pey a late fee up lo $40 00
`Minimum Payment Warning: If you make only ths minimum
`payment each pared, you will pay more in interest and it will
`you longer to pay og your balance For example:
`
`$ 1,969 02
`$ 60 00
`$ 69 02
`12/25/2021
`
`If you make no
`adCiuonal charges
`using this card
`and each month
`you lmy
`
`You wdl pey og
`the balance
`showll Oil 0115
`statement ln
`llixnlt
`
`And you will end
`up paying an
`85brll8ieil tot81
`of
`
`Only the Minimum
`payment
`
`$79 00
`
`10
`Teals
`
`3 Teem
`
`If you would like informabon about
`services, call I 4ITTG023IT/5
`
`$4,693 00
`
`$2,835 00
`(Sawngs =
`$1,858 00)
`credit counseling
`
`Tran Date Post Date Reference Number
`Descnpuon of Transaction or Grads
`'Purchases in Our Stores(Gap, Old Navy, Banana Republic and Athlete)
`
`Other Transactions (gas, grocenes, etc )
`11/13
`11/13
`74479949YOOXS6H12
`11/26
`2413746ABOI ELEFYI
`
`11/26
`
`(Continued on next page)
`
`ONLINE PAYMENT THANK YOU
`SPEEDWAY 04976 501 SERRAM DALY CITY CA
`
`FEES
`TOTAL FEES FOR THIS PERIOD
`
`Amount
`
`($63 00)
`$56 03
`
`$ 0 00
`
`PAYMFNT OUF BY 5 P M IFTI ON THF OUF OATF
`Noace We may convert your payment into an electronic debit See Statement Disclosures link on your eSerwces Matement Page
`for details, Billing Rights and other important informahon
`
`I
`
`7
`
`2
`
`2112 ~ 2
`
`1
`
`1 3
`
`3175
`
`lsec
`
`553
`
`1
`
`5554
`
`Total Minimum
`Due
`
`00
`
`Payment
`Due Date
`12/25/2021
`
`Account Number:
`Overlimit
`Amount
`
`7265
`New Balance
`
`02
`
`Save a stamp, pay on line $
`
`We curn:ntly do not accept
`payments in our stores
`
`AMBER TYLER
`13/I PALOU AVE
`SAN FRANCISCO CA 94124 2751
`
`Make Payment To:OLD NAI/Y VISA/5YNCB
`PO BOX960017
`ORLANDO, FL 328960017
`
`Pay: 24
`
`

`

`Need an extra card?
`Need an extra card?
`
`
`
`Call us at 1-866-448-4367
`Call us at 1-866-448-4367
`
`Page 25
`Page 25
`
`

`

`Tran Date Post Date Reference Number
`
`Descnpbon of Transaction or Credit
`
`12/02
`12/02
`
`12/02
`
`12/02
`
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`TOTAL INTEREST FOR THIS PERIOD
`6 vawmnrrcwxvvmuw rf
`
`Total Fees Charged in
`
`2021
`
`Total Interest Charged in
`
`2021
`
`Total Interest Paid in
`
`2021
`
`$000
`$474 62
`
`$375.77
`
`Amount
`
`$40 26
`$000
`$40.26
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account
`Annual
`Percentage
`Rate
`
`Expiration
`Date
`
`Balance
`Souled To
`Interest Rate
`
`Interest
`Charge
`
`Type of Balance
`IT
`0
`Purchases
`Cash Advances
`Transactions on or before 09/01/2019
`Regular Purchases
`(v) = venable rate
`
`N/A
`N/A
`
`N/A
`
`25 99%(v)
`26 99%(v)
`
`$846 11
`$0 00
`
`24 99%(v)
`
`$ 1,080 10
`
`$ 18 08
`$0 00
`
`$22 18
`
`Cardholder News and Information
`Synchrony Bank may contmue to obtam informakon, including employment and income informabon from others about you
`(mcluding reo ueskng reports from consumer reporbng age nues and other sources) to review, maintain or collect your account
`INith Navyist Rewards, no matter how you spend, aB your point- can be in one place Redeeming is easy, loo You can
`redeem a $ 1 rewanl for evew 100 points earned across our family of brands, with no merchandise exclusions Visit
`www oidnavy corn/navyistrewards to view your available Rewards balance
`One Membership Four Brands Enioy the benefits of your One Membership when you shop acrom our family of brands No
`matter where you /oined, your membership can travel with you
`Earn Rewards with your Navyist Rewards Visa Credit Card Earn 5 points for every $ 1 spent at Okl Navy, Gap, Banana
`Republic and Athlete and I pout for every $ 1 spent everywhere else your Navyist Rewards Visa Grads Card w accepted
`Looking fora more convenient due date'I Call customer service at the phone number on your statement to determine rf eligible
`and discuss available options
`Your account is over its credit hmit Please pay the amount by which your balance exceeds the credit limit plus the
`mimmum payment due. If you have already sent us this payment, thank you.
`
`Psy:25
`
`1
`
`7
`
`2
`
`211202
`
`2
`
`f 3
`
`317
`
`1600
`
`003
`
`1
`
`6066
`
`

`

`6544
`
`BYH
`
`L
`1
`
`7
`7
`
`2
`2
`
`211202
`211202
`
`Page 27
`OPAGE 3 of 3
`0 3
`3
`
`3179
`317
`
`1600 D503 O1GE6544
`1600
`6566
`503
`1
`
`

`

`THANK YOU
`for being a Synchrony
`cardholder.
`
`~ 9 vcrwm s mrmi.
`
`Previous Balaniw
`6 Fees Charged
`4 Interest Charged
`New Balance
`
`Credit Limit
`Availabls Credit
`Cash Limt
`Available Cash
`Statement Closing Date
`Days in Billing Cycle
`
`AMBER TYLER
`Account Number
`
`Vuit us at esendcs oldnavy corn
`Customer Service: 1 866 450-5294
`
`$ 1,969.02
`$29.00
`$43.19
`$2,041 21
`
`$ 1,900.00
`OVERLIMT
`$380 00
`OVERLIMT
`01/02/2022
`31
`
`Payment Information
`New Balance
`Amount Past Due
`Total Minimum Payment Due
`OverIma Amount
`Paymenl Due Date
`
`$2,041.21
`$60.00
`$ 153.00
`$ 141.21
`01/25/2022
`
`Late Payment Waming ill we do not receive your Total
`Minimum Paymenl Due by the Payment Due Date listed
`abave, you may have lo pay a late fee up to $40 00.
`Minimum Paymenl Warning: If you make only the minimum
`payment each penod, you will pay more in interest and it will
`take you longer to pay ofl your balance. For example:
`
`lf you make no
`additional charges
`Usihg this card
`and each month
`ycu psy--
`
`You vnll pay oil
`thebalance
`shcwii oh Ibis
`statemenl in
`stmui ...
`
`And you vrll end
`up paying an
`estimated total
`of ...
`
`Only the Minimum
`8
`years
`payment
`If you would like informabon stout
`services, call Idt77G02 8775.
`
`$4,271 00
`
`credit counseling
`
`Descnplon of Transaclon or Credit
`Tran Date Post Date Reference Number
`*Purchases In Our Stores(Gap, Old Navy, Banana Republic and Athlete)
`
`12/25
`
`I2/25
`
`01/02
`01/02
`01/02
`01/02
`)Conlnued on nextpage)
`
`FEES
`LATE FEE
`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`
`Aiiioilnl
`
`$29 00
`$29.00
`
`$43 19
`$0.00
`
`PAYMENT CIIE BY 5 P M lETi ON THE DIIE CATE
`Noses We may conven your payment info an electronic debit See Statement Disclosures link on your eSeMces Statement Page
`for details, Billing Rights and other important informalon.
`
`6544
`
`1
`
`7
`
`2
`
`220102
`
`1
`
`f 3
`
`3175
`
`1640
`
`503
`
`1
`
`6544
`
`Account Number:
`Payment Due
`Overlimit
`Amount
`Date
`1.21
`
`7265
`New Balance
`
`21
`
`Total Minimum
`Due
`
`Save a stamp. pay on line $
`
`We currently do not accept
`payments in our stores
`
`AMBER TYLER
`1371 PALOU AVE
`SAN FRANCISCO CA 94124 2751
`
`Make Payment ToiOLD NAVY VISA/SYNCB
`PO BOX 96MI 7
`ORLANDO, FL 32896001 7
`
`PatM 23
`
`

`

`Need an extra card?
`Need an extra card?
`
`
`
`Call us at 1-866-448-4367
`Call us at 1-866-448-4367
`
`Page 29
`Page 29
`
`

`

`Tran Date Post Dale Reference Number
`
`Dsscnpion of Transacion or Credit
`TOTAL INTEREST FOR THIS PERIOD
`ovpwmmcwrritshm 17
`Total Fees Charged in 2022
`
`Total Interest Charged in 2022
`
`Total Interest Paid in 2022
`
`$29 00
`$43.19
`$000
`
`Amount
`$43.19
`
`~ mmrnanumrocm mmiiFii
`Your Annual Percentage Rate (APR) is
`
`Type ot Bale ce
`Current Transactions
`Purchases
`Cash Advances
`Transactions on or before 09/01/2019
`Regular Purchases
`(v) = venable rate
`
`the annual interest rate on your account.
`Annual
`Percentage
`Rate
`
`Balance
`Subled To
`I Icmst Rotc
`
`Interest
`Chwgc
`
`N/A
`N/A
`
`N/A
`
`26.99% (v)
`26.99% (v)
`
`$916 66
`$0.00
`
`24.99%/0)
`
`$ 1,061.61
`
`$20 24
`$000
`
`$22 96
`
`Cardholder News and Information
`YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR
`CONTACT THIS OFFICE AT THE NUMBER LISTED ON YOUR STATEMENT.
`
`Synchrony Bank may continue lo obtain information, including employment and income information from others about
`(including requesting reports from consumer reposing agencies and other sources) to review, maintain or cogect your
`Your account Is over Its credit Bmic Please pay the amount by which your balance exceeds the credh I
`minimum payment due. If you have already sent us this payment, thank you.
`
`yco
`account.
`Imit plus the
`
`Pa(R 30
`
`1
`
`7
`
`2
`
`220102
`
`2
`
`2 3
`
`3375
`
`1600
`
`503
`
`1
`
`6544
`
`

`

`6544
`
`BYH
`
`1
`1
`
`tT
`7
`
`2
`2
`
`220102
`220102
`
`Page 31
`XPAGE 3 of 3
`3
`1 3
`
`3179
`3170
`
`1600 D503 O1GE6544
`1600
`503
`6544
`1
`
`

`

`THANK YOU
`for being a Synchrony
`cardholder.
`
`~ e mmmm e mrmi.
`
`Previous Balaniw
`4 Fees Charged
`4 Interest Charged
`New Balance
`
`Credit Limit
`Availabls Credit
`Cash Limt
`Available Cash
`Statement Closing Date
`Days in Billing Cycle
`
`AMBER TYLER
`Account Number
`
`Vwit us at esendcs oldnavy corn
`Customer Service: 1 866 450-5294
`
`$2,041.21
`$40.00
`$44.85
`$2,126 06
`
`$ 1,900.00
`$0.00
`$380 00
`$00D
`0?/02/2022
`31
`
`Payment Information
`New Balance
`Amount Past Due
`Total Minimum Payment Due
`OverIma Amount
`Paymenl Due Date
`
`$2,126 06
`$ 153.00
`$260.00
`$226.06
`02/25/2022
`
`Late Payment Waming ill we do not receive your Total
`Minimum Paymenl Due by the Payment Due Date listed
`abave, you may have lo pay a late fee up to $4D 00.
`Minimum Paymenl Warning: If you make only the minimum
`payment each penod, you will pay more in interest and it will
`take you longer to pay ofl your balance. For example:
`
`lf you make no
`additional charges
`Usihg this card
`and each month
`ycu psy--
`
`You vnll pay oil
`thebalance
`shcwii oh Ibis
`statemenl in
`stmui ...
`
`And you nrll end
`up paying an
`estimated total
`of ...
`
`Only the Minimum
`8
`years
`payment
`If you would like informabon stout
`services, call I dr?7602 8775.
`
`$4,313 00
`
`credit counseling
`
`Tran Date Post Date Reference Number
`Descnpeon of Transacbon or Credit
`*Purchases In Our Stores(Gap, Old Navy, Banana Republic and Athlete)
`
`Dl l25
`
`01/25
`
`02/02
`02/02
`02/02
`02/02
`)Conanued on nextpage)
`
`FEES
`LATE FEE
`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`
`Aiiioilnl
`
`$40 00
`$40.00
`
`$44 85
`$0.00
`
`PAYMENT DIIE BY 5 P M lETi ON THE DIIE DATE
`NOTICE: We may convert your payment into an electronic debit. See reverse for details. Billing Rights and other important
`information
`
`6544
`
`1
`
`7
`
`2
`
`220202
`
`1
`
`f 3
`
`3175
`
`1640
`
`503
`
`1
`
`6544
`
`Detach and mail this portion with your check. Do not indude any correspondence with your check.
`
`Total Minimum
`Due
`
`Account Number:
`Payment Due
`Overlimit
`Amount
`Date
`
`7265
`New Balance
`
`$ N
`
`Payment Enclosed
`Please use blue or black rnk
`OR pay on line at
`eservice oldnavy corn
`
`ew address or emwl? Pnnl changes on back.
`
`We currently do not accept
`payments in our stores
`
`AMBER TYLER
`1371 PALOU AVE
`SAN FRANCISCO CA 94124 2751
`
`Make Payment ToiOLD NAVY VISA/SYNCB
`PO BOX 96MI 7
`ORLANDO, FL 32896001 7
`
`PatM 32
`
`

`

`Need an extra card?
`Need an extra card?
`
`
`
`Call us at 1-866-448-4367
`Call us at 1-866-448-4367
`
`Page 33
`Page 33
`
`

`

`Tran Date Post Dale Reference Number
`
`Dsscnpion of Transacion or Credit
`TOTAL INTEREST FOR THIS PERIOD
`wvpwwtmowrritsom 17
`
`Amount
`$44.65
`
`Total Fees Charged in 2022
`
`Total Interest Charged in 2022
`
`Total Interest Paid in 2022
`
`~ mmrnaanmtncw mmriFii
`Your Annual Percentage Rate (APR) is
`
`Type ot Sale ce
`Current Transactions
`Purchases
`Cash Advances
`Transactions on or before 09/01/2019
`Regular Purchases
`(v) = venable rate
`
`the annual interest rate on your account.
`Annual
`Percentage
`Rate
`
`Balance
`Subtwn To
`I Icmst Rotc
`
`Interest
`Chwgc
`
`N/A
`N/A
`
`N/A
`
`25.99% (v)
`26.99% (v)
`
`24.99%/0)
`
`$969 63
`$0.00
`
`$ 1,104.70
`
`$21 41
`$000
`
`$23 44
`
`Cardholder News and Information
`YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR
`CONTACT THIS OFFICE AT THE NUMBER LISTED ON YOUR STATEMENT.
`
`This is a duplicate copy of your most recent billing statement. Yo