`
`Jordan Cook, Esq. Bar No. 179720
`Emily Pierce, Esq. Bar No. 240084
`Gregory J. Babcock, Esq. Bar No. 260437
`Kristen Kohler, Esq. Bar No. 263579
`Lori Williams, Esq. Bar No. 242985
`PORTFOLIO RECOVERY ASSOCIATES, LLC
`10680 Treena St., Suite 500
`San Diego, CA, 92131
`Tel: 866/428-8102
`Fax: 757/518-0860
`Attorneys for Plaintiff
`File No.: 1033373
`
`
`SUPERIOR COURT OF CALIFORNIA
`
`4/25/2024
`
`PORTFOLIO RECOVERY ASSOCIATES, LLC
`
`
`CASE NO.
`
`COUNTY OF SAN MATEO
`24-CLJ-02547
`
`Plaintiff,
`
`
`
`v.
`
`
`JENNIFER WILSON,
`and DOES 1 to 25.
`
`
`COMPLAINT FOR:
`
`(1) Account Stated
`
`PRAYER AMOUNT: $1,843.74
`
`LIMITED CIVIL
`
`Defendant(s).
`
`Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC, ("Plaintiff") alleges:
`
`1. Plaintiff is a limited liability company.
`
`2. This court is the proper court because Plaintiff is informed and believes that Defendant, JENNIFER
`
`WILSON ("Defendant"), is a resident of SAN MATEO County, State of California.
`
`3. At all times herein mentioned, Defendants, and each of them, were the principals, agents, employers,
`
`employees, masters, or servants of each of their co-defendants and ratified, adopted or approved the acts or
`
`omissions alleged herein, and each defendant, in doing the things alleged, were acting in the course and
`
`scope of said authority of such agents, servants, and employees.
`
`PAGE 1
`
`COMPLAINT
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`4. This suit concerns a credit account that was purchased by Plaintiff on or after January 1, 2014 and,
`
`therefore, is subject to California Civil Code § 1788.50; et seq.
`
`COMPLIANCE WITH CIVIL CODE § 1788.50, et seq.
`
`Pursuant to California Civil Code § 1788.58(a)(1)-(9):
`
`5. Plaintiff is a debt buyer.
`
`6. A SYNCHRONY BANK credit account was issued to Defendant on or about December 06,
`
`2015. Defendant used, or authorized the use of, the credit account to make purchases and/or
`
`transactions. Defendant received periodic billing statements for the credit account. Defendant
`
`defaulted in making the required payments. Subsequently, Plaintiff was assigned and transferred all
`
`rights, title and interest in the credit account. The account was assigned, transferred and sold to
`
`Plaintiff by SYNCHRONY BANK.
`
`7. Plaintiff is the sole owner of the credit account at issue, or has authority to assert the rights of all
`
`owners of the debt.
`
`8. The balance at charge-off was $1,880.74. Plaintiff is not seeking to recover any post charge-off
`
`fees or interest.
`
`9. The date of last payment on the credit account was June 05, 2020.
`
`10. The name and an address of the creditor at the time of charge-off was SYNCHRONY BANK
`
`170 E ELECTION RD, DRAPER UT 84020. At the time of charge-off, the charge-off creditor's
`
`account number associated with the debt ended in XXXXXXXXXXXXX2829.
`
`11. The name and last known address of the Defendant as they appeared in the charge-off
`
`creditor's records prior to the sale of the debt: JENNIFER WILSON, 112 EDISON AVE, SOUTH
`
`SAN FRANCISCO, CA, 94080-1622.
`
`PAGE 2
`
`COMPLAINT
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`12. The names and addresses of all persons or entities that purchased the debt after charge off,
`
`include the Plaintiff debt buyer: Portfolio Recovery Associates, LLC, which maintains an address at
`
`120 Corporate Blvd, Norfolk, VA 23502.
`
`13. Plaintiff has complied with the requirements of Civil Code Section 1788.52. Notably, Section
`
`1788.52(a)(7) requires that Plaintiff possess the California debt buyer license number when making any
`
`written statements to a debtor in an attempt to collect a consumer debt. The legislation that created this
`
`requirement also stated that the licensing provisions shall become operative January 1, 2022, and that
`
`a debt collector that submits an application prior to January 1, 2022 may operate pending the approval
`
`or denial of the application.
`
`14. Attached hereto as Exhibit A is a true and correct copy of a document required by section
`
`1788.58(b) of the California Civil Code.
`
`FIRST CAUSE OF ACTION:
`
`ACCOUNT STATED
`
` 15. Plaintiff alleges and incorporates by reference the foregoing paragraphs.
`
` 16. Within the last four years, an account was stated in writing between Defendant and
`
`SYNCHRONY BANK and on the account a balance was stated to be due to SYNCHRONY BANK,
`
`from Defendant. Defendant expressly or impliedly agreed to pay SYNCHRONY BANK, that balance.
`
`Attached hereto as Exhibit B is a true and correct copy of a billing statement showing the balance due
`
`and owing.
`
`17. Before the commencement of this action, Plaintiff was assigned the credit account and
`
`indebtedness. Plaintiff is now the owner and holder of the credit account.
`
`18. Plaintiff has made demand on Defendant for repayment of the credit account, but Defendant has
`
`failed to pay the balance due.
`
`PAGE 3
`
`COMPLAINT
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`2
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`
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`19. Payments, set-offs, credits or allowances, if any, at or after charge off, have been posted to the
`
`credit account.
`
`20. The current balance presently due and owing is $1,843.74.
`
`
`
`WHEREFORE, Plaintiff prays for judgment against Defendant as follows:
`
`On the First Cause of Action:
`
`1. For the unpaid principal balance of $1,843.74;
`
`2. Costs of suit; and
`
`3. Any such other relief as the Court may deem just and proper.
`
`DATED: March 29, 2024
`
`By:
`
`
`
`Jordan Cook, Esq. Bar No. 179720
`Emily Pierce, Esq. Bar No. 240084
`Gregory J. Babcock, Esq. Bar No. 260437
`Kristen Kohler, Esq. Bar No. 263579
`Lori Williams, Esq. Bar No. 242985
`Attorneys for Plaintiff
`Portfolio Recovery Associates, LLC
`www.PRApay.com
`
`☒
`
`☐☐☐☐
`
`
`
`PAGE 4
`
`COMPLAINT
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`
`
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`
`
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`
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`
`
`
`
`
`
`
`
`
`
`
`EXHIBIT A
`EXHIBIT A
`
`
`
`

`

`Q | QCard’
`
`JENNIFER J WILSON
`Account Number ending in 2829
`
`FINANCING BY
`
`synchrony”
`
`Payment Information
`
`New Balance:
`Total Minimum Payment Due:
`Payment Due Date:
`
`$1,411.77
`$45.00
`07/13/2020
`
`Payments must be received by 5pm ET on
`07/13/2020 if mailed, or by 11:59pm ET on
`07/13/2020 for online and phone payments.
`
`Late Payment Warning: If we do not receive your Total Minimum Payment
`Due by the Payment Due Date listed above, you may have to pay a
`late fee
`up to $37.00.
`
`If you make only the minimum payment each
`Minimum Payment Warning:
`period, you will pay more in interest and it will take you longer to pay off
`your balance. For example:
`
`If you make no
`additional charges
`using this card
`and each month
`you pay ....
`
`Only the minimum
`payment
`
`You will pay off
`the balance
`shown on this
`statement in
`about ...
`
`And you will end
`up paying an
`estimated total
`of...
`
`6 years
`
`$2,811.00
`
`$57.00
`
`3 years
`
`$2,048.00
`(Savings = $763.00)
`
`If you would like information about
`1-877-302-8775.
`
`credit counseling services, call
`
`Account Summary
`
`Previous Balance as of 05/20/2020
`Payments
`
`Interest Charges
`New Balance as of 06/18/2020
`30 Day Billing Cycle from 05/20/2020 to 06/18/2020
`
`$1,430.39
`- 49.00
`
`+ 30.38
`$1,411.77
`
`NOTICE: We may convert your payment into an
`electronic debit. See Statement Disclosures link on
`your eServices Statement Page for details, Billing
`Rights and other important information.
`
`Credit Limit
`Available Credit
`
`$1,600
`$0
`
`Transaction Detail
`Date
`Order #
`
`Payments
`
`06/05
`
`Total Fees Charged This Period
`
`Total Interest Charged This Period
`
`Item #
`
`Description
`
`PHONE PYMT-THANK YOU
`
`ALPHARETTA GA
`
`Amount
`
`-$49.00
`
`-$49.00
`
`$0.00
`
`$30.38
`
`Enjoy now.
`
`Pay over time.
`
`How Easy Pay® works.
`
`As a QCard® holder, you enjoy the Easy Pay
`
`Perk. Purchase an item now, and your QCard
`
`will be billed in 4 or more monthly installments.
`
`Standard interest rates apply.
`
`Learn more at QVC.com/QCard
`
`5484
`
`BAJ
`
`1
`
`7
`
`16
`
`200618
`
`E
`
`PAGE 1 of 5
`
`9339
`
`1000
`
`Qv13
`
`oO1Nv5484
`
`Save a stamp.
`
`Pay online. Account Number
`New Balance
`Total Minimum Payment Due
`Payment Due Date
`
`Ee 2829
`$1,411.77
`$45.00
`07/13/2020
`
`Amount
`Enclosed
`
`$
`
`VIEW AND PAY YOUR BILL ONLINE!
`www.qvc.syf.com
`
`JENNIFER J WILSON
`112 EDISON AVE
`S SAN FRAN CA 94080-1622
`
`Make QCARD/SYNCHRONY BANK
`Payment PO BOX 530905
`to: ATLANTA, GA 30353-0905
`
`

`

`Customer Service: For account information, call the number on the front of this statement. For Hearing or Speech disabilities use a TRS. Unless
`your name is listed on this statement, your access to information on the account may be limited. You may also mail questions (but not payments) to:
`P.O. Box 965017, Orlando, FL 32896-5017. Please include your account number on any correspondence you send to us.
`Payments: Send payments to the address listed on the remit portion of this statement or pay online.
`Notice: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal
`law. To preserve your rights, please write to our Billing Inquiries Address, P.O. Box 965020, Orlando, FL 32896-5020.
`
`Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as
`payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process
`the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from
`your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. You may
`choose not to have your payment collected electronically by sending your payment (with the payment stub), in your own envelope — not
`the enclosed window envelope, addressed to: P.O. Box 960097, Orlando, FL 32896-0097 and not the Payment Address.
`
`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
`Billing Inquiries Address of:
`Synchrony Bank
`P.O. Box 965020, Orlando, FL 32896-5020
`In your letter, give us the following information:
`+ Account information: Your name and account number.
`+ Dollar amount: The dollar amount of the suspected error.
`+ 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:
`Synchrony Bank
`P.O. Box 965020, Orlando, FL 32896-5020
`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.
`Information About Payments: You may at any time pay, in whole or
`in part, the total unpaid balance without any additional charge for
`prepayment. Payments received after 5:00 PM (ET) on any day will be
`credited as of the next day. Credit to your Account may be delayed up
`to five days if payment (a) is not received at the Payment Address, (b)
`is not made in U.S. dollars drawn on a U.S. financial institution located
`in the U.S., (c) is not accompanied by the remittance coupon attached
`to your statement, (d) contains more than one payment or remittance
`coupon, (€)
`is not received in the remittance envelope provided or (f)
`includes staples, paper clips, tape, a folded check, or correspondence of
`any type. Conditional Payments: All written communications concerning
`disputed amounts, including any check or other payment instrument that:
`(i) indicates that the payment constitutes “payment in full’ or is tendered
`as full satisfaction of a disputed amount; or (ii)
`is tendered with other
`conditions or limitations (“Disputed Payments’), must be mailed or
`delivered to us at P.O. Box 965020, Orlando, FL 32896-5020.
`
`Credits To Your Account: An amount shown in parentheses or
`preceded by a minus (-) sign is
`a credit or credit balance unless
`otherwise indicated. Credits will be applied to your previous balance
`immediately upon receipt, but will not satisfy any required payment that
`may be due.
`believe that
`Credit Reports And Account Information: |f you
`a consumer
`we have reported inaccurate information about you to
`reporting agency, please contact us at P.O. Box 965018, Orlando, FL
`32896-5018. In doing so, please identify the inaccurate information
`and tell us why you believe it
`is incorrect. If you have a copy of the
`credit report that includes the inaccurate information, please include a
`copy of that report. We may report information about your account to
`credit bureaus. Late payments, missed payments, or other defaults on
`your account may be reflected in your credit report.
`Balance Subject To Interest Charge Calculation
`Method 2D (Daily Balance method): We figure the interest charge on
`your account by applying the periodic rate to the “daily balance” of your
`account for each day in the billing cycle. We then add the interest to the
`daily balance. To get the “daily balance” we take the beginning balance
`of your account each day (which includes unpaid interest), add any new
`charges and applicable fees, and subtract any payments or credits. This
`gives us the daily balance. Any daily balance of less than zero will be
`treated as zero. A separate daily balance will be calculated for each
`balance type on your account. The balance(s) shown in the Interest
`Charges section of this statement is the sum of the daily balances for each
`day in the billing cycle divided by the number of days in the billing cycle.
`Method
`2M
`(Average
`Daily
`Balance
`including
`current
`transactions): We figure the interest charge on your account by
`applying the periodic rate
`to the “average daily balance” of your
`account. To get the “average daily balance” we take the beginning
`balance of your account each day, which includes any unpaid interest
`charges from the previous billing cycle, add any new charges, and
`applicable fees and subtract any payments or credits. This gives us
`the daily balance. Then, we add up all the daily balances for the billing
`cycle and divide the total by the number of days in the billing cycle.
`This gives us the "average daily balance,” which is the balance shown
`in the Interest Charges section of this statement. Any average daily
`balance of less than zero will be treated as zero. A separate average
`daily balance will be calculated for each balance type on your account.
`Method 6 (Average Daily Balance including current transactions
`and excluding unpaid interest charges): We figure the interest charge
`on your account by applying the periodic rate to the “average daily
`balance” of your account. To get the “average daily balance” we take the
`beginning balance of your account each day, add any new charges and
`applicable fees and subtract any payments, credits and unpaid interest
`charges from the previous billing cycle. This gives us the daily balance.
`Then, we add up all the daily balances for the billing cycle and divide the
`total by the number of days in the billing cycle. This gives us the "average
`daily balance,” which is the balance shown in the Interest Charges
`section of this statement. Any average daily balance of less than zero will
`be treated as zero. A separate average daily balance will be calculated
`for each balance type on your account.
`We will not charge you any interest on purchases if you pay your entire
`balance by the due date each month. Please refer to the due date shown
`on the front of your statement.
`
`Your account is owned and serviced by Synchrony Bank.
`
`[WF1090580A]
`
`O1NV5484 -
`
`1
`
`- 10/09/19
`
`Bankruptcy Notice: lf you file bankruptcy you must send us notice, including account number and all information related to the proceeding to the
`following address: Synchrony Bank, Attn: Bankruptcy Dept., P.O. Box 965064, Orlando, FL 32896-5064.
`
`This is an attempt to collect a debt and any information obtained will be used for that purpose.
`
`“By providing a telephone number on your account, you consent to Synchrony Bank and any other owner or servicer of your account contacting
`you about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic
`telephone dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
`
`For changes of address, phone number and/or email, please check the box and print the changes below.
`
`LI
`
`Street
`Address
`City, State
`ZIP
`Phone #
`Email
`
`*Home Phone #
`
`*Business Phone #
`
`*Cell # or other phone #
`we can use to contact you
`
`*Email Address
`
`“By providing your email address, you agree to receive email communications about your account and also give permission for us to share your
`email address with the named retailer on this account.
`
`

`

`Q QCard
`
`JENNIFER J WILSON
`Account Number ending in 2829
`
`eae
`synchrony
`
`6
`
`Transaction Detail (Continued)
`Date
`Order #
`Item #
`06/18
`
`Description
`INTEREST CHARGE ON PURCHASES
`
`2020 Year-to-Date Fees and Interest
`Total Fees Charged
`Total Interest Charged
`Total Interest Paid
`
`Amount
`$30.38
`
`$111.00
`$206.31
`175.93
`q
`
`Interest Charge Calculation
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`
`(v) = Variable Rate
`
`Type of
`Balance
`
`Purchases
`
`Expiration
`Date
`
`N/A
`
`Annual
`Percentage Rate
`
`Balance Subject to
`Interest Rate
`
`Interest
`Charge
`
`Balance
`Method
`
`25.99% (v)
`
`$1,422.28
`
`$30.38
`
`2D
`
`Cardholder News and Information
`We are here to support you and are working hard to ensure our Synchrony team members can continue to provide you with
`uninterrupted, dependable service. We encourage you to use our online and mobile servicing tools.
`
`As COVID-19 and its impact continue to evolve and develop, we remain focused on the health and safety of our employees and our
`communities, as well as our commitment to you, our customers.
`
`We are also aware that some of our customers may experience financial hardship as a result of COVID-19. If you are impacted, please
`contact us to discuss how we can help.
`
`You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we will no
`longer be including return envelopes. You can make things even easier by selecting the paperless statement option on your account
`online.
`
`5484
`
`BAJ
`
`1
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`7
`
`#16
`
`200618
`
`E PAGE 2 of 5
`
`9339
`
`1000
`
`QV13
`
`O1NV5484
`
`

`

`5494
`
`EAST
`
`1
`
`7
`
`16
`
`200618
`
`E
`
`PAGE 3 of 5
`
`9339
`
`1000 Qvis
`
`O1Nnv5484
`
`

`

`QCard
`
`YOUR STATEMENT JUST GOT
`
`A FRESH, NEW LOOK!
`
`o-
`
`JaneDoe
`
`il! synchrony
`
`b
`
`$.577-49001787 |
`
`amo 7
`
`|
`
`AUTOPAY OF $500.00 SET FOR 01/18/2019
`
`PAYMENT
`INFORMATION
`
`Current payment
`details for your
`account.
`
`fh.
`
`SUMMARY OF
`ACCOUNT ACTIVITY
`
`An overview of your
`account balance and
`available credit.
`
`ew Balance:
`‘Tetal Minimum Payment Duez
`Payment Dua tate:
`
`$92,640.32
`$50.00
`01/23/2019
`
`sborayouray have to paye tates of up to $3AAR
`
`mini
`y he
`period, you will pay more in intorest and will tke you longer to pay off your
`
`balance. Foraxamnt
`addtional
`charges using this
`card and each
`month you pey..
`
`pay
`the balance
`shown onthis
`statementin
`about.
`
`up paying an
`‘estimated total
`of.
`
`(Onkj the minknum
`
`payment
`$88.00
`
`Years
`
`avers
`
`iA
`
`$5,558.00 (Savings
`
`=95,016.00)
`
`you wauld like information about credit counseling services, call 886-555-1212.
`
`Account Summary
`
`Payments mus! he Meeived by Spm ET.
`
`‘on 23/2008
`by
`41282018
`Notice: We:
`
`an
`ns.
`‘your paymant into an
`res for deta, billing rights
`snd other importantinformation
`
`Proweccor hance Camnticn Hector
`‘Tha afeiorat rout
`o
`ah
`
`1/31/2018. You must pay each deferred promobonal balance
`
`in fully ia epiration data to avid paying deferted interest
`‘charges. Pisase sea the promational financing purchase:
`‘summary secion on this statamant for further details
`
`Purchases & Other Debits
`
`
`
`Gade Co asof 11/30/2018
`Shui
`Stall baad
`Fees charged
`Interest Charged
`New Balance asof 12/31/2018
`31 Day Billing Cyciofrom 1201/2018 to 1231/2018
`
`atin Um
`‘Avallable Credit
`cash Advance Limit
`
`‘Avallable Cash
`
`$4,159
`$1,360
`
`$1,360
`
`sezz.00
`
`++500.00
`
`$00
`+000.00
`423.32
`$2,640.32
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`JANE DOE
`123 ANYSTREET
`PONCE, AR 00730-1532
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`Moke QCARD/SYNCHRONY B&NK
`Payment
`FO BOX 530905
`To:
`ATLANTA, @Aseass0505
`
`9
`
`ACCOUNT ALERTS
`AND REMINDERS
`
`Includes alerts
`about your
`account as well
`as QCard Special
`Financing expiration
`information, if
`applicable.
`
`O
`
`PAYMENT REMIT
`
`Account information
`to mail in with your
`payment.
`
`[Q) acard
`
`JaneDoe
`count Mumber ending In 7890
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`synchrony
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`PROMOTIONAL
`FINANCING
`PURCHASE
`SUMMARY
`
`QCard Special
`Financing
`purchases for your
`account and their
`associated terms.
`
`TRANSACTION
`SUMMARY
`
`An itemized list
`of transactions,
`charges, interest,
`and fees.
`
`C= $4,441.54 DEFERRED INTERESTAWITH PAY.
`
`ing
`
`Information about
`
`the
`No INTEREST!
`promotional pero.
`
`Babnce
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`i"
`
`Promotional Balance and fixed payments wil be required.
`EQUAL
`‘and equal paymants wil be required.
`
`Y
`
`$000
`your aceeunt
`
`$1,26327
`
`ou/aaf2019
`
`Pine
`Interestbelance and you would
`like us to apply a paymentto a
`pronvetional balance, please call
`‘Customer Sarvica at
`‘options may beavellable,
`
`Trareaction Detall
`Order
`
`hems
`
`Description
`Payment yessives- thank you
`iho
`Other Credits
`Special credi offer
`fas
`Purchases and Other Debits
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`12/20
`5Baa5aagss
`Easypay Installmart 4 OF 6
`12/4
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`Ensypay Installment 4 OF 6
`
`Amount
`$100.00
`-$100.00
`$5.00
`$5.00
`$103.20
`875.82
`$101.84
`$64
`
`-O
`
`‘otal Fees Charged This Pertod
`fat
`ketal
`12/41,
`
`This Parts
`
`Faas Rr he pared
`
`‘(treert charged on purchases
`
`_Interest Charge Calculation
`
`yourgceount:
`
`() = Variable Rats
`
`Total
`
`2018 Year;Jetfate Fees and Ininrast
`ged
`$000
`interest Charged
`23.22
`
`Total Interest Paid
`
`31.8
`
`INTEREST CHARGE
`CALCULATION
`
`The interest
`that may apply
`to different
`portions of your
`account balance.
`
`0_
`
`Regular Purchases
`Cath Advances
`
`N/A
`N/A
`orfaij2019
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`$1,136.52
`$0.00
`$0.00
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`$23.82
`$0.00
`$0.00
`
`New
`
`Financing Pians
`
`Nol
`full within the ft
`Y
`
`12, OR4BMONTHS Under sach
`of
`IN FULLWITHIN 8,
`rod, Interest will be
`Impc
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`ing
`statement,
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`tfth
`k
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`15%. Ha
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`pald Ir
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`vary with the market
`
`Cardholder News and Information
`oy
`
`documents.
`
`il,
`
`you
`
`t
`
`ith
`
`other
`
`financial
`
`Candholder Benefits and information
`Prinily Orda Line 4-800-600-1608
`
`CARDHOLDER
`NEWS AND
`INFORMATION
`
`Important messages
`.
`regarding your
`
`account.
`
`5484
`
`BAJ
`
`1
`
`7
`
`16
`
`200618
`
`E
`
`PAGE 4
`
`of 5
`
`9339
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`1000
`
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`O1NV5484
`
`

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`5484
`
`BAJ
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`1
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`7
`
`16
`
`200618
`
`E
`
`PAGE 5 of
`
`5
`
`9339
`
`1000
`
`QV13 O1NV5484
`
`

`

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

`

`Q QCard
`
`7
`
`JENNIFER J WILSON
`Account Number ending in 2829
`
`DNSRCING EY
`il! synch rony
`
`®
`
`Payment Information
`
`New Balance:
`Amount Past Due:
`Total Minimum Payment Due:
`
`Overlimit Amount:
`Payment Due Date:
`
`$1,843.74
`$485.00
`$579.00
`
`$243.74
`01/13/2021
`
`Payments must be received by 5pm ET on
`01/13/2021 if mailed, or by 11:59pm ET on
`01/13/2021 for online and phone payments.
`
`NOTICE: We may convert your payment into an
`electronic debit. See reverse for details, Billing
`Rights and other important information.
`
`Late Payment Warning: If we do not receive your Total Minimum Payment
`Due by the Payment Due Date listed above, you may have to pay a
`late fee
`up to $37.00.
`
`If you make only the minimum payment each
`Minimum Payment Warning:
`period, you will pay more in interest and it will take you longer to pay off
`your balance. For example:
`
`If you make no
`additional charges
`using this card
`and each month
`you pay ....
`
`Only the minimum
`payment
`
`You will pay off
`the balance
`shown on this
`statement in
`about ...
`
`And you will end
`up paying an
`estimated total
`of...
`
`6 years
`
`$3,038.00
`
`If you would like information about
`1-877-302-8775.
`
`credit counseling services, call
`
`Account Summary
`
`Previous Balance as of 11/19/2020
`Fees Charged
`
`Interest Charges
`New Balance as of 12/18/2020
`
`30 Day Billing Cycle from 11/19/2020 to 12/18/2020
`
`$1,768.41
`+ 37.00
`
`+ 38.33
`$1,843.74
`
`Transaction Detail
`Date
`Order #
`
`Total Fees Charged This Period
`12/13
`
`Total Interest Charged This Period
`(Continued on next page)
`
`Item #
`
`Description
`
`LATE FEE
`
`Credit Limit
`Available Credit
`
`$1,600
`$0
`
`Amount
`
`$37.00
`$37.00
`
`$38.33
`
`nplif the Season With; .,
`
`On e-Stop
`
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`including sets & ready-to-give gifts, presents $50 & under, plus lots more.
`
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`
`5484
`
`EAT
`
`1
`
`7
`
`16
`
`201218
`
`EX PAGE 1 of 3
`
`9339
`
`1000
`
`Qv1l3
`
`o10c5484
`
`Q QV Cc
`
`Use blue or black ink,
`
`Account Number
`
`Ee 2829
`
`detach & mail with your
`check.
`
`New Balance
`‘Total Minimum Payment Due
`Payment Due Date
`
`$1,843.74
`$579.00
`01/13/2021
`
`Amount
`Past Due
`
`$485.00
`
`Overlimit
`Amount
`
`$243.74
`
`Amount
`Enclosed
`
`$
`
`No other correspondence please.
`Print new address or email changes on back.
`
`JENNIFER J WILSON
`112 EDISON AVE
`S SAN FRAN CA 94080-1622
`
`Make QCARD/SYNCHRONY BANK
`Payment PO BOX 530905
`to: ATLANTA, GA 30353-0905
`
`

`

`Customer Service: For account information, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS. Unless
`our name is listed on this statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box
`65017, Orlando, FL 32896-5017. Please include your account number on any correspondence you send to us.
`Payments: Send payments to the address listed on the remit portion of this statement or pay online.
`errors will not preserve your rights under federal law. To
`Notice: See below for your Billing Rights and other important information. Tel phoning about billing
`preserve your rights, please write to our Billing Inquiries Address, P.O. Box 9651 20, Orlando, FL 32896-5020.
`
`ear until next month's statement. When you provide a check as payment, you
`Purchases, returns, and payments made just prior to billing date may not app
`authorize us either to use information from your check to make a one-time el
`lectronic fund transfer from your account or to process the payment as a check
`transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same
`day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your payment collected
`electronically by sendin
`our payment {with the payment stub), in your own envelope — not the enclosed window envelope, addressed to: P.O. Box
`960097, Orlando, FL 328 -0097 and not the Payment Address.
`
`What To Do If You Think You Find A Mistake On Your Statement
`Inquiries
`If you think there is an error on
`your statement, write to us at the Billing
`Address of: Synchrony Bank,
`P.O. Box 965020, Orlando, FL 32896-502
`In your letter, give us the following information:
`« Account information: Your name and account number.
`« Dollar amount The dollar amount of the suspected error.
`«
`Description of Problem: If you think there is an error on your bill, describe what you
`believe is wrong and why you believe itis 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 wil 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.
`« Wecan apply any unpaid amount against your creciit limit.
`four 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 fo 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
`ur current mailing address, and the purchase price must have been more than
`ed (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
`peed 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.
`Ifall of the criteria above are met and you are still dissatisfied with the purchase,
`contact us in wating
`at