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`Christopher D. Mandarich SB 220693
`Teona Pipia SB 343337
`Martin Weingarten SB 201906
`MANDARICH LAW GROUP, LLP
`P.O. Box 109032 Chicago, IL 60610
`Superior Court of California,
`Phone: 877.285.4918
`County of San Francisco
`Facsimile: 818.888.1260
`04/03/2024
`Mandarich Law Group, LLP California Debt Collector License Number 10795-99.
`Clerk of the Court
`Attorneys for Plaintiff: LVNV Funding LLC
`BY: JAMES FORONDA
`
`Deputy Clerk
`
`ELECTRONICALLY
`F I L E D
`
`SUPERIOR COURT OF THE STATE OF CALIFORNIA
`IN AND FOR THE COUNTY OF SAN FRANCISCO - LIMITED
`
`LVNV Funding LLC,
`Plaintiff,
`
`vs.
`
`Ray S Waldin, an individual;
`
`and DOES 1 through 10 inclusive.
`Defendant.
`
`
`
`Case No.
`
`COMPLAINT FOR:
`
`1. ACCOUNT STATED
`2. OPEN BOOK ACCOUNT
`
`CGC-24-613620
`
`
`
` DEMAND: $5,597.37
`
`
`
`
`
`Plaintiff alleges:
`
`FACTS COMMON TO ALL CAUSES OF ACTION
`
`1.Plaintiff is and at all times herein mentioned, LVNV Funding LLC, and successor in
`
`interest to original creditor, Citibank, N.A..
`
`2.Plaintiff is a debt buyer, and is the sole owner of the debt at issue. Plaintiff's California
`
`Debt Collector License Number 10888-04.
`
`3.The charge-off creditor at the time of charge-off is Citibank, N.A., 5800 South Corporate
`
`Place Sioux Falls, SD 57108, and the account number associated with this debt is
`
`XXXXXXXXXXXX9147.
`
`4.The subject credit account has been purchased by the following entities after charge-off:
`
`Resurgent Acquisitions LLC P.O. Box 10466 Greenville, SC 29603. The subject credit account
`
`was transferred by Resurgent Acquisitions LLC to Plaintiff LVNV Funding LLC, who maintains
`
`an address at C/O Resurgent Capital Services LP P.O. Box 10466, Greenville, SC 29603.
`
`5.Plaintiff is informed and believes that Defendant are individuals who currently reside
`
`
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`COMPLAINT-1 of 5
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`

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`within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper
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`Court for trial of this action.
`
`6.The name and last known address of the debtor as they appeared in the charge-off
`creditor’s records prior to the sale of the debt is Ray S Waldin, 80 BRENTWOOD AVE , SAN
`
`FRANCISCO, CA 94127-2237.
`
`7.Plaintiff is unaware of the true names or capacities, whether individual, corporate,
`
`associate or otherwise of the Defendant sued herein as DOES 1 through 10 inclusive, and therefore,
`
`sued the Defendant by such fictitious names. Plaintiff will amend this Complaint to show their true
`
`names and capacities once ascertained.
`
`8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is,
`
`the agent, servant and employee, employer of each of the other Defendant, and also acted in the
`
`capacity of and as agent of the other Defendant. Plaintiff also believes that the individual
`
`Defendant, and each of them, are jointly and severally liable that the actions described herein
`
`were taken as actions for the benefit of the Defendant's separate and/or community property.
`
`9.Plaintiff believes that, for value received, Defendant and each of them, executed and
`
`delivered a credit card application to the original creditor, Citibank, N.A. or made such application
`
`over the telephone or Internet. Pursuant to the aforementioned application, Citibank, N.A. provided
`
`Defendant with a credit account, and granted use privileges on the same, account number
`XXXXXXXXXXXX9147 (hereinafter <Account=).
`
`10.Prior to the commencement of this action, the Account was assigned for value to the
`
`Plaintiff and Plaintiff is its current holder.
`
`11.Defendant agreed to repay Citibank, N.A. and any successors in interest, for any charges
`
`on the Account including, but not limited to, charges for purchase of goods and service and/or cash
`
`advances and balance.
`
`12.Defendant used the Account to make purchases and/or to take cash advances and/or to
`
`make balance transfers. Each time the Defendant used the Account to purchase goods and services
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`COMPLAINT-2 of 5
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`and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to
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`repay Citibank, N.A. and its successors in interest for the amount of the purchase and/or cash
`
`advances and/or balance transfers.
`
`13.Monthly statements were sent to Defendant which itemized all payments made and
`
`charges due on the Account.
`
`14.The date of last payment on the subject account was on April 21, 2020.
`
`15.Within the last four years, the Defendant failed to make payments as agreed on the
`
`Account. Defendant has failed, refused and neglected to pay amounts due on the Account.
`
`16.The debt balance at charge-off was $5,597.37, and upon information and belief there is
`
`$0.00 in post charge off fees and $0.00 in post charge off interest.
`
`17.Subsequent to charge-off, and after applying any and all applicable payments and
`
`credits, the Defendant owes Plaintiff $5,597.37.
`
`18.Although demand has been made upon said Defendant to pay said amount, no part has
`
`been paid, and it is now due and owing.
`
`19.Upon information and belief, Citibank, N.A. and successors in interest including
`
`Plaintiff have duly performed all promises, conditions and agreements herein.
`
`20.Plaintiff has complied with California Civil Code Section 1788.52.
`
`21.Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy
`
`of Billing Statement provided to the Defendant while the account was active, demonstrating that
`
`the debt was incurred by the Defendant.
`
`22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy
`
`of the Final Billing Statement and/or Transaction History.
`
`23.Upon opening the Account with Citibank, N.A., the Defendant(s) agree to reimburse
`
`Citibank, N.A., and hence Plaintiff as successor in interest for the costs related to the collection of
`
`amounts owing on the Account. Plaintiff has been required to retain Mandarich Law Group, LLP
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`COMPLAINT-3 of 5
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`to pursue collection of the amount due hereunder.
`
`
`
`FIRST CAUSE OF ACTION
`
`(Account Stated)
`
`24.Plaintiff refers to and incorporates paragraphs 1 through 23.
`
`25.Within the past 4 years, an account was stated in writing in which it was agreed that
`
`Defendant were indebted in the amount previously referenced herein. Although demand has been
`
`made upon Defendant, said amount of $5,597.37 has not been paid, and it is now due, owing and
`
`unpaid from Defendant to Plaintiff, as successor in interest.
`
`
`
`SECOND CAUSE OF ACTION
`
`(Open Book Account)
`
`
`
`
`
`26.Plaintiff refers to and incorporates paragraphs 1 through 25.
`
`27.Within the past 4 years, Defendant and each of them became indebted in the amount of
`
`the previously mentioned herein for a balance due on a book account for goods sold and delivered
`
`and/or services rendered by Citibank, N.A.. Although demand has been made upon Defendant,
`
`said amount of $5,597.37 has not been paid, and it is now due, owing and unpaid including
`
`attorney’s fees from Defendant to Plaintiff as successor in interest.
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`COMPLAINT-4 of 5
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`WHEREFORE, Plaintiff prays for judgment against the Defendant as follows:
`
`
`1. For the damages and money in the sum of $5,597.37,
`
`2. For reasonable attorneys fees pursuant to statute;
`
`3. For costs of suit incurred; and
`
`4. For such other and further relief as the Court deems just and proper.
`
`5. Plaintiff remits all damages in excess of the jurisdictional amount of this Court.
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`10
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`Dated: 03/24/2024
`
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`By: MANDARICH LAW GROUP, LLP
`
`
`
`
`
`
`
`
`
`
`
`[X] Teona Pipia, Esq.
`Attorneys for Plaintiff
`
`
`
`COMPLAINT-5 of 5
`
`

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`EXHIBIT A
`EXHIBIT A
`
`

`

`:
`
`{The Home Depot
`
`Consumer Credit Card
`
`ina:
`pustomer Service: d
`
`Account Inquiries:
`
`1-800-677-0232
`
`Account Statement
`
`Send Notice of Billing Errors and Customer Service Inquiries to:
`HOME DEPOT CREDIT SERVICES
`PO Box 790328, St. Louis, MO 63179
`
`_.
`—
`Summary of Account Activity
`
`\
`
`.
`Payment Information
`
`Previous Balance
`Payments
`Other Credits
`
`Purchases
`Fees Charged
`Interest Charged
`New Balance
`
`\Past Due Amount
`(Credit Limit
`Available Credit
`Amount Over Credit Limit
`
`Statement Closing Date
`Next Statement Closing Date
`\ Days in Billing Cycle
`
`$3,705.30
`-$112.00
`-$0.00
`
`+$0.00
`+$0.00
`+$0.00
`$3,593.30
`
`$0.00 |
`$6,500.00 |
`$2,906.00
`$0.00
`
`05/20/2020
`06/19/2020
`31 py,
`
`New Balance
`Minimum Payment Due
`Payment Due Date
`
`$3,593.30
`$36.00
`June 16, 2020
`
`Late Payment Warning: If we do not receive your minimum payment by the
`date listed above, you may have to pay a late fee up to $39.
`Minimum Payment Warning: If you make only the minimum payment each
`period, you will pay more in interest and it will take you longer to pay off your
`balance. For example:
`
`a
`Only the minimum payment
`
`:
`18 years
`
`ou
`$13,277
`
`$184
`
`(Savings 86 666)
`:
`tt you would like information about credit counseling services, call 1-877-337-8187.
`
`3 years
`
`>\
`
`/
`
`Your Minimum Payment Due is $36.00. If you paid your non-promotional (revolving) balances and any expiring promotional balances in full on your last
`statement, you can avoid interest charges on any new non-promotional (revolving) balances and any expiring promotional balances if you pay $36.00 by
`06/16/20. Otherwise, interest will accrue from your statement closing date until we receive your payment. The “How to Avoid Paying Interest on Purchases”
`section on page 2 has more information.
`
`You must pay your promotional balance of $3,593.30 in full by 07/16/20 to avoid paying deferred interest charges.
`
`COVID-19: You may experience longer than usual wait times if you contact our call centers so we want to remind you there are digital tools available to help
`you manage your account. Visit homedepot.com/mycard to manage your account digitally or to register for Account Online. From there you can check your
`balance and available credit, make a payment, review your statement, enroll for paperless statements and more.
`
`Please update your phone number, including cell phone number on the back of the payment coupon.
`
`Marketing offers included in this statement are intended for residents of the United States and its Territories.
`
`PLEASE SEE IMPORTANT INFORMATION ON PAGE 2.
`
`Page 1 of 4
`
`This Account is Issued by Citibank, N.A.
`
`Vv
`
`Please detach and return lower portion with your payment to insure proper credit. Retain upper portion for your records.
`
`©
`
`HD 12
`
`Your Account Number is i 9147 Po
`
`«
`
`P.O, Box 790393
`
`St Fours, Moose
`
`Statement Enclosed
`
`Payment Due Date
`
`June 16, 2020
`
`SHOP IN-STORE
`
`New Balance
`
`WITHOUT YOUR CARD
`
`Past Due Amount
`
`With a valid ID and SSN,
`we can look up your account
`information at checkout.
`
`$3,593.30
`
`$0.00
`
`$36.00
`aun
`:
`
`RAY S WALDIN
`80 BRENTWOOD AVE
`SAN FRANCISCO, CA 94127-2237
`
`Please print address changes on the reverse side.
`Make Checks Payable tow
`
`HOME DEPOT CREDIT SERVICES
`PO BOX 78011
`PHOENIX, AZ 85062-8011
`
`

`

`Information About Your Account.
`How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after
`the close of each billing cycle. We will not charge you any interest on purchases if 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
`every billing cycle.
`If you have a balance subject to a deferred interest or 0% APR promotion and that promotion
`does not expire before the payment due date, that balance (the “excluded balance”) is
`excluded from the amount you must pay in full to get a grace period. However, you must
`still pay any separately required payment on the excluded balance. In billing cycles in which
`payments are allocated to deferred interest balances first, 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 so long as you pay the New Balance less any excluded balances in full by
`the payment due date each billing cycle. We may refer to deferred interest promotions as No
`Interest promotions.
`In addition, certain promotional offers may take away the grace period on purchases.
`Other 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 either is the case, the promotional offer will describe what happens.
`How We Calculate Your Balance Subject to Interest Rate. For each balance, the letter
`following the Annual Percentage Rate in the Interest Charge Calculation section on the front of
`the statement indicates the method we use to calculate interest charges. For Methods C, H and
`M, we use a daily balance method (including current transactions) to calculate interest charges.
`For Methods | and L, we use an average daily balance method (including current transactions)
`to calculate interest charges. For Method K, we use an average daily balance method (excluding
`current transactions) to calculate interest charges. To find out more information about the
`balance computation method that applies to your account and how the resulting interest
`charges were determined, contact us at Customer Service number on the front.
`
`Other Account and Payment Information.
`Payment Amount. You may pay all 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 Payment Will Be Credited. If we receive your mailed payment in 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 we receive that 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 made payable to Home Depot Credit Services.
`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 Payments. For your added convenience, payments can be made at The Home
`Depot stores, with no service fee. Any payment in proper form accepted in-store will be
`credited as of that day. However, credit availability may be subject to verification of funds.
`Online/AutoPay. Go to the URL on Page 1 of your statement to make a payment online.
`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 may
`cancel a phone payment by calling us at the Customer Service number at the top of Page
`within the time period disclosed to you on the phone. There is no fee for making a payment
`using 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 an eligible check with this payment coupon, you authorize us to complete your
`payment by electronic debit. If we do, the checking account will be debited in the amount
`on the check. We may do 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 account to credit bureaus.
`If you think we reported inaccurate information, please write us at: Credit Bureau Dispute
`Verification, RO. Box 6497, Sioux Falls, SD 57117.
`Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown
`on Pagel.
`What To 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 address for 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 you believe it is
`a mistake.
`You must contact us within 60 days after the error appeared on your statement.
`You must notify us of any potential errors in writing. You may call us, but if you do we are not
`required to investigate any potential errors and you may have to pay the amount in question.
`While we investigate whether or not there has been an error, the following are true:
`* We cannot try 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 amount in 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 credit limit.
`Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied
`with the goods or services that you have purchased with your credit card, and you have tried
`in good faith to correct the problem with the merchant, you may have the right not to pay the
`remaining amount due on the purchase.
`To use this 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 necessary if your purchase was based on an advertisement we mailed to you, or
`if we own the company that sold you the goods or services.)
`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 must not yet have fully paid for the purchase.
`If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in
`writing at the address for billing errors and customer service inquiries shown on Page 1 of your
`statement.
`While we investigate, the same rules apply to the disputed amount as discussed above. After
`we finish our investigation, we will tell you our decision. At that point, if we think you owe an
`amount and you do not pay, we may report you as delinquent.
`
`KEY CREDIT TERMS
`*Promotion Terms
`With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% -
`26.99%. Minimurn interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts
`in good standing; 6 months everyday credit offer is subject to change without notice; see store for details.
`
`HD APR19
`
`/AI- HD - 9196-0400-0002 -/B/- 000 - 28A -/C/- -O- - 45 -/D/-
`AG/-N- -
`- -/H/-0- - HHGB -l/-
`- GE-0-0- - -W/-
`
`P-
`
`E-Y-0-Y /E/-0-
`
`-N- -0-0
`
`-/F/- 01/21/20 - 07/01/19 - 10 - April 19, 2020
`
`Page 2 of 4
`
`Please provide change of 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: **** **** **** 9147
`
`TRANSACTIONS
`
`Trans Date
`
`Description
`
`Reference #
`
`Amount
`
`ONLINE PAYMENT
`
`DEERFIELD
`
`IL
`
`P919400GOEHW97HJH
`
`04/21
`
`FEES
`
`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGED
`
`TOTAL INTEREST FOR THIS PERIOD
`
`$
`
`$
`
`$
`
`112.00-
`
`0.00
`
`0.00
`
`Total Fees Charged in 2020
`
`Total Interest Charged in 2020
`
`$41.00
`
`$0.00
`
`ACTIVITY AND PROMOTIONS DETAIL
`
`Original
`Promotion
`Trans
`Amount
`
`Promotion
`Trans
`Date
`
`Previous
`Balance
`
`Payments Purchases,
`& Other
`Fees &
`Credits
`Other Debits
`
`Interest
`| Charged
`
`New
`Balance
`
`Deferred
`Promotion
`Interest
`Minimum
`PaymentDue Charges
`
`Promotion
`Expiration
`Date
`
`PURCHASES
`
`Revolving Balance
`:
`
`:
`
`$37.00
`
`$37.00-
`
`NO INT FOR 12MOS-PMT REQ
`
`$3,820.34
`
`07/06/19
`
`$3,668.30
`
`$75.00-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`$3,593.30
`
`-
`
`-
`
`TOTAL
`
`$3,705.30
`
`$112.00-
`
`$0.00
`
`$0.00
`
`$3,593.30
`
`$0.00
`
`-
`
`-
`
`$965.03
`
`$965.03
`
`07/16/20
`
`INTEREST CHARGE CALCULATION
`
`Revolving Balance
`NO INT FOR 12MOS-PMT REQ
`
`25.99% (M)
`25.99% (M)
`
`$0.00
`:
`
`$0.00
`:
`
`|
`
`Say goodbye to those expensive locksmiths
`
`@ Kwikset’s SmartKey technology allows you to re-key your locks quickly
`and easily without removing them frorn your door
`
`m
`
`All you need to re-key your SmartKey lock is your current key,
`and the SmartKey Learn tool
`
`a new key,
`
`This patented technology resists kick-ins, drilling, sawing, iock-bumping
`and other forced-entry methods
`
`Kwikset SMARTZJKEY
`
`Juno Satin Nickel Exterior Entry Door Knob
`and Single Cylinder Deadbolt Combo Pack
`Featuring SmartKey Security (909843)
`
`a
`
`Get Kwikset locks today at your local
`The Horne Depot’ store or at homedepot.com
`
`©2020 Horne Depot Product Authority, LLC. All rights reserved.
`
`Page 3 of 4
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`

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`EXHIBIT B
`EXHIBIT B
`
`

`

`:
`
`{The Home Depot
`Consumer Credit Card
`
`ina:
`Customer Service:
`homedepot.com/mycard
`Account Inquiries:
`1-866-458-7683
`
`_.
`—
`Summary of Account Activity
`
`\
`
`.
`Payment Information
`
`$5,436.94
`
`New Balance
`
`-$0.00
`-$0.00
`
`Minimum Payment Due
`Payment Due Date
`
`Account Statement
`
`Send Notice of Billing Errors and Customer Service Inquiries to:
`HOME DEPOT CREDIT SERVICES
`PO Box 790328, St. Louis, MO 63179
`
`>\
`
`$5,597.37
`
`$1,330.00
`January 16, 2021
`
`Previous Balance
`
`Payments
`Other Credits
`
`Purchases
`Fees Charged
`Interest Charged
`New Balance
`
`\Past Due Amount
`(Credit Limit
`Available Credit
`Amount Over Credit Limit
`i
`Statement Closing Date
`Next Statement Closing Date
`\ Days in Billing Cycle
`
`+$0.00
`+$39.00
`+$121.43
`$5,597.37
`
`$1,113.00 )
`$0.00)
`$0.00
`$1,797.37
`
`12/20/2020
`01/20/2021
`31 py,
`
`Late Payment Warning: If we do not receive your minimum payment by the
`date listed above, you may have to pay a late fee up to $39.
`Minimum Payment Warning: If you make only the minimum payment each
`period, you will pay more in interest and it will take you longer to pay off your
`balance. For example:
`
`—
`Only the minimum payment
`
`$226
`
`:
`17 years
`
`3 years
`
`a
`$13,552
`$8,118
`(Savings=$5,434)
`
`tt you would like information about credit counseling services, call 1-877-337-8188.
`
`Dy
`
`Your Minimum Payment Due is $1,330.00. If you paid your non-promotional (revolving) balances and any expiring promotional balances in full on your last
`statement, you can avoid interest charges on any new non-promotional (revolving) balances and any expiring promotional balances if you pay $5,597.37 by
`01/16/21. Otherwise, interest will accrue from your statement closing date until we receive your payment. The “How to Avoid Paying Interest on Purchases”
`section on page 2 has more information.
`
`Beginning in January, there will be a $5 expedited payment fee to make a same day payment with a customer service agent. To make a payment at any
`time with no fee, including a same day payment, you can use the automated voice response system or access your account online at
`homedepot.com/mycard.
`
`Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
`payment will not be reflected until your next statement.
`
`Please update your phone number, including cell phone number on the back of the payment coupon.
`
`PLEASE SEE IMPORTANT INFORMATION ON PAGE 2.
`
`Page 1 of 4
`
`This Account is Issued by Citibank, N.A.
`
`Vv
`
`Please detach and return lower portion with your payment to insure proper credit. Retain upper portion for your records.
`
`©
`
`8 HD 12
`
`Your Account Number is i 9147 Po
`
`«
`
`P.O. Box 790393
`St. Louis, MO 63179
`
`Statement Enclosed
`
`RAY S WALDIN
`80 BRENTWOOD AVE
`SAN FRANCISCO, CA 94127-2237
`
`Payment Due Date
`
`January 16, 2021
`
`New Balance
`
`Past Due Amount
`
`$5,597.37
`
`$1,113.00
`
`$1,330.00
`
`trast Due Amount is included in the Minimum Payment Due.
`Please print address changes on the reverse side.
`Make Checks Payable tow
`
`HOME DEPOT CREDIT SERVICES
`PO BOX 78011
`PHOENIX, AZ 85062-8011
`
`

`

`* Agent-Assisted Phone Payments. if you callus to make a payment with the assistance
`of a live agent, the payment will be applied the same day and you will be charged a $5.00
`agent expedited payment fee.
`* Express Mail. Send payrnent 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 recelve your payment request
`If you send an eligible check with this payment coupon, you authorize us to complete your
`payment by electronic debit. If we do, the checking account will be debited in the amount
`on the check. We may do 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 account to 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.
`What To Do If You Think You Find A Mistake On Your Statement. |f you think there is an
`error on your statement, write to us at the address for billing errors and customer service
`inguiries shown on Page 1 of your statement.
`In your letter, give us the following information:
`J. Account information: Your name and account number.
`2. Dollar arnount: The dollar amount of the suspected error.
`3. Description of Problern: if you think there is an error on your bill, describe what you belleve
`is wrong and why you believe it is a mistake.
`You must contact us within 60 days after the error appeared on your statement.
`You must notify us of any potential errors In writing. You may call us, but if you do we are not
`required to investigate any potential errors and you may have to pay the amount in question.
`While we investigate whether or not there has been an error, the following are true:
`« We cannot try 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 arnount in 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
`rernainder of your balance.
`* We can apply any unpaid amount against your credit limit.
`Your Rights If You Are Dissatisfied With Your Credit Card Purchases. lf you are dissatisfied
`with the goods or services that you have purchased with your credit card, and you have tried
`in good faith to correct the problem with the merchant, you may have the right not to pay the
`rernaining amount due on the purchase.
`Touse this right, all of the following must be true:
`1. The purchase must have been made in your hore 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 necessary if your purchase was based on an advertisernent we mailed to you, or
`if we own the company that sold you the goods or services.)
`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 must not yet have fully paid for the purchase.
`Hf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in.
`writing at the address for billing errors and customer service inquiries shown on Page 1 of your
`statement.
`While we investigate, the same rules apply to the disputed ammount as discussed above. After
`we finish our investigation, we will tell you our decision. At that point, if we think you owe an
`amount and you do not pay, we may report you as delinquent.
`
`Payment Other Than By Mail.
`* In-Store Payrnents. For your added convenience, payments can be made at The Home
`Depot stores, with no service fee. Any payment In proper form accepted in-store will be
`credited as of that day. However, credit availability may be subject to verification of funds.
`Online/AutoPay. Go to the URL on Page 1 of your staternent to make a payment online.
`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 i 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 arnount and on the date that you indicate on the phone. You may
`cancel a phone payment by calling us at the Customer Service number at the top of Pagel
`within the time period disclosed to you on the phone. There is no fee for making a payment
`using our automated voice response system.
`KEY CREDIT TERMS
`NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS’ on purchases of $299 or more. Interest will be charged to your account
`from the purchase cate if the purchase balance (including premiums for optional credit insurance) is not paid in full within 6 months.
`
`“With credit approval for qualifying purchases made on The Horne Depot or EXPO Design Center Consumer Credit Card. APR:
`17.29% ~- 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for
`consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice; see store for details.
`
`HD FEB20
`
`/AI- HD - 9196-0400-0002 -/B/- 000 - 28A -/C/-E -0- X- 45 -/D/-
`AG/-N- -
`- -/H/-0- -HHGB -l/-
`- GE-0-0- - -W/-
`
`P-E-Y -0-N-/E/-7-
`
`-N- -0-0
`
`-/F/- 01/21/20 - 07/01/19 - 17 - November 19, 2020
`
`Page 2 of 4
`
`Please provide change of 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.
`
`Information About Your Account.
`How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after
`the clos