`
`AFFIDAVIT
`
`Commonwealth of Virginia
`Ciry of Norfolk ss.
`1, the undersigned, _ Larry E. Whitaker
`depose, affirm and state as follows:
`
`, Custodian of Records, for Portfolio Recovery Associates, 1.1.C hereby
`
`1.
`
`Tum competent to testify to the matters contained hercin.
`
`faman authorized employee of Portfolio Recovery Associates, LLC, (Accounl Assignee”) whieh is doing business at
`2.
`Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia, and J am authorized to make the statements,
`representations and averments herein, and do so based upon a reviewofthe business records of the Original Creditor COMENITY
`BANK/VICTORIAS SECRETand those records transferred to Account Assignee from COMENITY BANK (“Account
`Seller”), which have become a part ofand have integrated into Account Assignee’s business records,in the ordinary course of
`business. The attached documents are true copiesofthe originals exceptto the extent that confidential and privileged information
`is omitted or redacted and personal identifying informationis omitted or reducted as required bylocalrules, and applicable state
`and federal law.
`
`According lo the business records, which are maintained in the ordinary course of business, the account, and all proceeds
`3,
`of the account are now owned by the Account Assignee, all of the Accoum Seller's interest in such account having been sold,
`assigned and transterred by the Account Seller on 11/29/2016. Further, the Account Assignee has been assigned all ofthe Account
`Seller's power and authority to do and performall acts necessary for the settlement, satisfaction, compromise, collection or
`adjustmentof said account, and the AccountSeller has retained no furtherinterest in said accountor the proceeds thereof, for any
`purpose whatsoever.
`
`According to the records transferred to the Accuunt Assignee from Account Seller, and maintained in the ordinarycourse
`4,
`ofbusiness bythe Account Assignee, there was duc and payable from ANITA Y FLALLOS(“Debtor and Co-Debtor’) to the
`Account Seller the sum of $2,389.06 with the respect to account number ending in 7754 as of the date of 11/1/2016 with there
`being no known un-credited payments, counterelairas or offsets against the said debi as of the date ofthe sale.
`
`According to the account records of said Account Assignee,after all known payments, counterclaims, and‘or setofis
`5.
`occurring subsequentto the date of sale,Account Assignee claims the sumof $2,389.06 as due and owing as of the date of this
`affidavit.
`
`Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the Defendant is not
`6,
`on active military service of the United States.
`
`
`
`This communication is from a debt collector and is an attempt to collect a debt.
`Anyinformation obtained will be used for thal purpose.
`
`vi]
`
`

`

`
`
`EXHIBITA
`
`BILL OF SALE
`
`COMENITY BANK (“Seller”), for value received and pursuant to the lenms and conditions
`ofCredit Card Account Purchase Agreement dated August 29, 2016 between Seller and
`(“Purchaser”), its successors and assigns (“Credit Card Account Purchase Agreement”),
`hereby assigns effective as ofthe File Creation Date ofNovember 22, 2016 all rights,title
`and interest ofScller in and to those certain receivables, judgments or evidences ofdebt
`described in Exhibit | attached hereto and made part hereoffor al] purpases.
`
`Number of Accounts
`Total Unpaid Balances
`Premiun
`Due Seller
`
`Amounts duc to Seller by Purchaser in hereundershall be paid U.S. Dollars by a wire
`transfer to be received by Seller on (the “Closing Date") November29, 2016 by 5:00 p.m.
`Seller'stitac, as follows:
`
`COMENITY BANK
`ABA
`.
`Beneficiary Name: Comenity Bank Depositury
`Reneficiary Account: ”"’
`
`This Bill of Sale is executed without recourse except as stated in the Credit Card Account
`Purchase Agreement to which this is an Exhibit No other representation ofor warrantyof
`litle or entorceability is expressed or implied.
`
`COMENITY BANK
`By: Kale i ki hake
`,
`Zdi,
`E,
`Aa)
`Dare:ofLAK J
`. et}
`Title; LAP _.
`
`F
`
`tiae
`
`rere
`
`PORTFOLIO RECOVERY ASSO LATES. Lie
`By: Figen
`< Oe
`~.
`
`”
`
`Date:
`one
`Title KK (BndSpare
`
`

`

`
`
`PAGE 1 OF 2
` Summary of account activity
`Aceount no. 7755 New balance
`$2,389.06
`Minimum payment due
`$820.00
`Payment dus date:
`11/27/2016
`
`Previous Balance
`Payments
`Other credits
`Purchases
`Other debits
`
`$2,302.04
`0.00
`0:00
`0.00
`0.00
`
`Past due amount
`Credit limit
`Available. credit
`Statemiatit. closing date
`Days‘in billing cycle
`
`708.00
`$0:00
`$0.00
`Tolle
`31
`
`‘Late payment warning:
`If we do:not:recelve ‘your. minitnum, payment by 11/27/2016 you may
`«Rave topay-up to.$97.00late fee.
`Minimum payment waming: ityoumake.only the miniraum:
`payment for each period, you will pay. more in interest and il willtoke
`
`you longerte0pay ‘off your balances. For example:
`PW
`youn
`
`
`
`the balance shown end up payinga
`| chiatges usingthis card
`; ahd each month you pay:
`| on-the-statement
`| estimated total
`
`
`
`i
`.
`1 ircabout:
`
`For informationregardingcreditcounseling services,
`call 1-800-284-1708:
`
`
` Details of your transactions
`
`AMOUNT.
`AGANSDATE_TRANSAC
`
`Fees
`1ofe72076.
`
`37,00
`LATE FEE
`Totalfees shargedfor this period
`$37.00
`
`“iaaeel'¢charge”sephates bookie
`interest charge on purchases
`Total interest for this: period
`
`“
`f
`i
`| 2018 totals year to-date
`$362.00 |
`| Total fees charged in-2016
`
`
`| Total interest charged in 2016Vaveaennonnmennnonennunninnmaiigtetganettteentnuetomrmeentnenenteaastetinsansaananttanateneets$486.70 |
`
`$50.02
`$60.02
`
`Your Annual Percenlage Rate (APR) is the annual inlerést rate on your account. See BALANCE COMPUTATION METHOD
`on page 2 for more details:
`TYPE OF
`BALANCE
`Purchases:
`
`APR
`25,2800% {¥}
`
`‘BALANCE SUBJECT
`TQ INTEREST RATE
`2,333.25 (DA)
`
`INTEREST
`CHARGE
`50.02
`
`_.NOTICE:Seeteversesidetorimpocaint inforiatiog.
`Plesse:ear‘atperlomiion,‘shove
`
`FAccount
`1 sumber
`
`mam
`reaper
`fete
`
`VICTORIA'S SECRET
` e-mail addresa - gee reverse.
`Yes, | have moved or updated my
`
`ee Dde flagfp Hepat gypled bd lppolly atpog|fybpgagtle
`MS ANITA Y FIALLOS
`60 WOODBRIDGE AVE
`ANSONIA CT 06401-1566
`
`Payment must reach.us
`Amountenclosed:
`6 pm ETon 1127/2016.
` payabl
`
`
`COMENITY - VICTORIA'S SECRET
`Please-teturn this portion along with your payment to:
`PO BOX 659728
`SAN ANTONIO TX 78265-9728
`
`
`
`peltedyal]||pfedieg ogpeqeg ff [edefydeg lfe
`
`
`

`

`
`
`I Keep ‘this portion for your records.
`| What To-Do ff You ThinkYou Find A Mistake On Your Statement
`: if yoo think there is an error on your statement, write.to. us at: Comeniity
`{ Bank PO Box 182782, Colunibus, Ohio 43218-2782,
`{ leryoire lafter give us tie following fitacnation:
`© Accoum inforiatiou: Your hamé.dod secount iarber,
`
`® Duhemneunt: [hes dallas amoutit-of Hie saspected eer.
`B® Devonption of Peableri: Ut you think tere-1s an ate ae your BIH,
`describe what yuu believe is wrote and why you beleve [Lis winistake,
`: You siast contact us within GO Uays ater [he énor apipearsd Gt your
`statement.
`You snustaotity use e-polential errors de writing. Yousnay call as: butit
`youdo .we.are oul requited-to investigale anepolential errors and-you nay
`have lopey the amountin question,
`| While we inivestipate wtiethior a rat Imig Has Beendn. situ, the Kdlowisgy
`Fare truer
`| * We cannut try to.coltect theainount in question, ar report you as
`|
`ddliskjuent-ondhat amount,
`i ® [he chane in question. mayseindin catiastaternentand we inay
`} Continue Le cheese you fatedst on: thal atnunind. Bul, if we déleigiirie that
`i WHATS ainietBke, you willTOE have te pay the. Gineunt inf question ar
`any delerést of uitiec tees related to thatamuunt,
`© While you Go noltiave To.pay Ihe ameunt ins questions, guar dee respunsible:
`i
`for the remainder at-your balance.
`;
`£* We canapply any unpaid ambant against your credit limil,.
`YourRights
`YouAre Dissatisfied With YourCredit CandPurchases
`Hf you ate dissatislied with the puods.oy services that yuucdaive pufchased
`; with youreredit card, und you have Lied in Ruud faith to-currect the
`| problert with the inerchant, you wiay have the cight-nol-to pay the rer
`
`amount due-on the purchase,
`Lpcuse this fight, ail ob the hollow fig dust be true:
`( 1, Ihe perchase must have been made-ta your home-state or within 16a
`? aillés of-your Currentunallingeaditiess, and the:puretiase pritewmust have
`L been moreitiian $90. (Note: Neittes vl tiése is:necessury it your purchase
`| wey bused orcars advertisemeld we nailed teyou, of Hee ownlhe compary
`i {hubsuld you the goudyor services.)
`2. You unist havecusedyour credit-card for the purchase. Purchases nadie.
`wiih cash advaites francais Al Mor with acheck Miat accesses your credil
`| Sati account do nal quality,
`7 3. Youusnustiat yet have lity paid for the purchase.
`7 ff alkot thescrteria above-wre amet ard you are atilt dissutistied with the
`L purchase, contactas ie writiighateUomonity Bank POBox 182/82,
`| Culuinbus, Ohio49218-2733,
`
`L While we irvéstipale, the sari ules apply te te-cispuled ainoiinl wd
`discussedabove, Atter we tinish our investigation, we-will tell you our
`? decision, Altmatypoint, it we think you-owe'an amioantand you do not_pay
`iL weumlay ikport-you ag delingudnt,
`} HOWTO AVOID PAYINGINTEREST. Your due date is at least 25 days etter
`
`Close of each billig cycle, We will Rot Chars you: kilerest unpuichases
`you pay yourentize balance by Ine due date each month, We will begin te
`‘fare tolerést on new purchases made undere Law APK, Luual Payment
`Bidpel' Payment Credit Plan huathe dale oh yaactiase,
`; BALANCE COMPUTATION METHOD. We culouldte intemsl séparately hit
`| each balance: using the methods) described below, [he twe tellers’ in
`| parenihiesés next to the BalanceSubic! to Interest Rate cohann in the
`i faterast Charge Caléulation-section Gilois.statement conespetiits to the
`F tottawing:
`i WDA). We Heure the interest charge-on this: balance by applying Ihe periedic
`i sule-tothe “daily balance" lor-eachday in the billing penod. fo PEt the
`2 “udily Balance? we take the-begititiing Balance ech day, wld aty sew
` Lattany paymetis:or credits Greating uny net
`! tansuctions sid lees and 3
`balance,
`
`j credif oafeece ase cero balance}, [his gives
`(MC) We tipuse thé interest chame ois thi
`peby applying: the periodic
`
`vale tithe “average deily balance” lot in
`fig period, fo Ret the
`“averune Cally Galahice” we. take the bepianing balance wach day,
`adil any
`i
`few. Dansacti ons and lees.and sabliact any paymnents.or- credits (ueuling
`i any nef credit-bafance aya zera Balance).
`[his.pives
`us tHe dally balance.
`
`f lien, we add ural the daily balagces fur thé Gilling peed anitdivie the
`j total by the ouribes oF days’ in-the Sifling period. This gives. us the “average
`i daily talance.”
`
`i
`
`
`
`
`
`
`
`i PAYMENTS. Pay your Accountby tie payment due dale by the tone listed below, il we dicnut receive your-payment in a correct founal Cuitlined below) if
`i indysnut-be ceéditestic-your Account: lorup tu hive days, oc may Se flected, Alsi, your paystidad aishreach us by He payiient Cutt tive ial apples. We
`! the payitdntinethodyauselect:
`i Conect Format. Conect. hyaial tor diterent payment methods include:
`
`sucheck ot Cashier's check payallé in LLM: dolla, tote name andaddréess shown.uc
`! Mailing or Qvemight: Seod a personal check, wonky ores, hav
`
`
`
`abd Mpsunut payment amount, Be-sute te i
`Hude your guyment stub, de sol staple or
`i his Statement inthe payment stub aren containing your dalaric
`
`sor) One payment wilt ane
`ip your paymeultothe stub, include your accuunt- camber on. your check, use the envtlope provided with your Statens
`payinert stab ant de not Send any Contupunderiog with your baviTett, You should weniithtapiayingntfo 6bdU North Loup 160d-Last, Suite 101, Sah
`i
`F Anbania, 1X 7824/7 2004 and the additional tonal requiretuenis we the same_as other-mailed payments. usiless there is # dispute, in which case-you tullaw
`; the: Paymunts Marked *Paid-in Full” section above. Do not.send cash ur giltcertiticales: Pay By Phone: You cate call-us toll free-al LOD 696 9478
`P LEDBATTY 1 800 S96 1/88) to itiake @ payitrent: Dy telephone, which ny include-a tee. Online: Youcah make a payment utdive at veargelcard.coim.
`| dn-store: You can make payinents io sive,
`
`ud. Gale as this Shatement in the-payment stub area al'the
`
`if Payment. Cutolf Times, Payment culoft timesfdeadtiries tor ‘us loreceive payments ace by.Y
`j }olowirig tin
`8: Mailing aid Ovemight: By 6:00 pet Wastern lime {b 1s Pay By Phone: By:
`
`gat Gol}: Ondine: By HOO gin (& 1; anid Ta-stor: By the lide
`i the sture-cluses at the Jocaliog you make your payinent,
`
`i
`
`i
`|
`
`New Information
`
`Title toptional)
`First Name
`
`LastWare
`
`Street Address
`
`Apt. No.
`
`
`City
`. Rip Code
`
` Work Phone
`Home Phone.
`
`Emait Address
`
`.
`
`
`CREDIT REPORTING. We itay ceporl istermation about your account ty.
`Credit Butea. Lalé.ouyiherits, missed payments, be uther delaulS an yor
`achount waybe titletied’ is yourcredit pati.
`NOTICE OF CREDIT: REPORT DISPUTES,
`[1 youl belived the wecuunt
`intonmditipn weseported to aconsumer iepurting abency is inactaale, you
`Mmaysubiiitadivect dispute to Comenity Bari PO'Bux 182789, Calumbus,
`is. 43218. 2784. You! erilleddispute «ust dovide sulticient intutmation
`tideatily the account ardisdecily why the iitoroiatiqnis inpecerale:
`* Account Intormation: Yout pure und aceeunt urniber
`* Contact latormation: Your address and leleptaine number
`* Disputed hormation: Idetitity the account internation diaputed and
`explain whyyou Deliave (Liv ihadeuate,
`* Sunpotting Documentation: | available, provide a copy OF (he sectio€ at
`the Gedit eeport showiag thé atcount inlouniition yurure disputing,
`We will investigate the disputed intarmation and report the sesulls to you
`within dO days.al receiploldtie inloandtion abedead tor ous invéstiggitian. |
`we tind thalthe dccount infounalion we reported is inatearate, we. will
`‘promptly. wiceide the decessay correction ts exch consumer seporline
`agency to whiohiwe tepertad the information,
`PAYMENTS MARKED *PAIDN FULL". Al written communications meparding
`dispated:amibunts thal iaclud® anycheek of dthar odynuaatiestdinerit
`diarked with “payment!in lull”or siinilur languape, inost-be sintdo: Obl
`North Loop 2004 bast,Suite TOT, San Antonio, [X 78247 OO4,
`OO NOT.USE THE ENCLOSED REMITTANCE ENVELOPE,
`We indy aceepl payiternt sent to any olheraddress without losing any of our
`riptils.
`:
`No payment stall operate-as arcaceondand sutishuction wittval prior
`writen approval.
`CUSTOMER SERVICE: Visit-vsangelcard.com.or-call 1:800:695.0478
`(TODATTY 1-800-695-1788).
`lo: provide ‘you wilt high dualily séricd, proud
`TELEPHONE MONITORING,
`communication with as is mnentlored wadior recorded.
`
`ADDITIONAL INFORMATION,
`lhefollowing designations, wher aupearlng:
`on the bront of your statement, ean the hollowing: ¥ineg:
`ripble-cale
`
`ithis take iieiy waiy): WVIN| PAY HO‘iiegng WANE INTER!
`DAYMEN |
`REQUIRED: WV (A! LQ-PY meas WAIVEINTERESL, EQUAL PAYMEN fy WW
`UNL LOW PM mesas WAIVE INILREST, LOW PAYMENT; DE TNT PYRG
`neers DEEERINIERES f, PAYMENT REQUIRED:DEL-IN E £GEPY means
`DEFER INTERES? CQUAL PAYMENT, BF IN] LOW PML ieurg DEFER
`LRTERES |, COW PAYMEN | -aiel COWAPR EQ PAYneds LOW APR. BQUAL
`PAYMENIL. [you tave-a variabie cate vecourt, your perlodis tabes:mnaywary,
`Yau may play wil oF your Account Bularide at-any titheWwithGEL penalty,
`‘Send all. inquiriesto: CUSTOMER SERVICE,-PO Bok 182273, Colajhis,
`Onin 452 18-2273,
`Send ail bankruptcy hatices and related coriesviondente to Comenity Sank,
`Bankruptcy Department, PO Box 182125, Columbus, Ohlo 43218-2125.
`NOTICE ABOUT ELECTRONIC: CHECK CONVERSION. When you. provitte 4
`check us payfient, you authionize us. either Giuse idtoriationtion you
`dieck tynakes one trie clectrunic fait lanstet Lom yout account Gr fd
`process the payment yaa check fansaction, When we use informationtom
`your check Brmake-un laconic fund banstie, dunds.may be withdraw
`ihn yout wecuunt as Suenay the sane May we. reosive your payment, abel
`you, will ROL leceive your. check Quck Honyour Tinarcial institution.
`
`
`
`é i
`
`&1
`
`

`

`
`
`Angel Cardholders get triple points on ASNC1
`bra purchases (including clearance)!
`
`PAGE 1 OF 4
`
`Summary of account activity
`Actount no. 7755
`
`Previous balarice
`Payments
`Other credits
`Purchases
`Other debits
`
`$2,178.62
`~400.00,
`G.00
`0.00
`8.00
`
`
`
`Past due amount
`Credit limit
`Available.credit
`Staterriéritclosingdate
`Days'it billing cycle
`
`0,06
`$2,200.00
`$376.31
`‘DAIC1/2016
`31
`
`$1,823.69
`$90.00
`04/27/2016
`
`New balance
`Minimum payirient due
`Payment dusdats.
`Late payment warning:
`It we donot recalve:your.-minimuin payment by 04/27/2018 you may.
`have fe pay up to a $35.00 late fee.
`Minimum paymentwarning: Ifyoumake onlyihe minimum:
`payment foreach period, you will pay: more in interest and if will take
`you longerto payoffffyour balances. Forexamipie:
`
`
`:}cflarges uustag this card
`| the balance shown | ¢hd up paying an!
`
` | estimated tots
`i
`
`i and each month you pay:
`| onthe statement
`
` Forinformation:regardinggored counseling: services,
`
`calf1-800-284-1706.
`
`Accountit Questions? NNeedtto make a4 payment? Visit VSAnkelCard.coinn:or cail 1.800-695-9478 (royTY
`1-800-695-1788). Want to:stay in the know with credit tips and news? Visit'us at facebook,comfasKcormeniity or at
`twitter.comaskeornenity.
`
`A |
`
`r P
`
`
`
`AMPER ARIASEITA :
`LANGEL CARDHOLDERS
`“|
`| Bam Fast Rewards! Eachtime‘yousam Points Sumnmary
`
`| 250pointsusingyourAngelForever|CurrentTotal'Points: 29 GET TRIPLE POINTS ON
`
`
`RectaFecedteeee|Points to Next Reward: 221 | BRA PURCHASES
`| Points to Maintain: 1,000
`i
`ge
`(INCLUDING SLEARANCEYY
`|
`
`isonceeercngeareortimpemneingreniunanyfestunamnneenpensertnesacanusarcanaly-asse
`en
`sea
`
`Details of your transactions
`TRANS DATE
`TRANSACTION DESCRIPTION/LOCATION
`
`AMOUNT
`
`oa27zote«=:PAYMENT-THANK-You ~400.00
`
`
`
`
`Fees
`Total fees charged for this: period $0.00
`
`Interest charged
`Interest charge on purchases
`Total interest for this-period
`
`$45.07
`$45.07
`
`
`
`2016 totais year to date.
`$105.00 |
`| Total tees charged in 2016
`Total interest charged in 2016
`$178.38|i
`
`ijjii
`
`t{
`
`VICTORIAS SECRET
`
`
`
`“Yes: :have moved or usdated.my
`_.J' @snail address --see. reverse.
`
`EAU Abode hg gogo fbogGFATet ede dyadAY,
`MS ANITA Y FIALLOS
`60 WOODBRIDGE AVE
`ANSONIA CT 06401-1586
`
`
`: _NOTICE,Seetovetey sidefoforimportant infomation.
`“Fleageteatalpedomtionsuove.
`
`
`qi
`nutiber
`7755 |
`
`i; New balance:
`
`{i
`
`|
`
`Amount enclosed:
`
`Payment must reach us dy.
`6 pm.er on O4f27/2016.
`
`“chenkpayabletor” heen nnttnnnnei
`COMENITY-- VICTORIA'S SECRET
`
` Pleasema
`
`Please retum this portion along with your paymentto:
`PO BOX 659728
`SAN ANTONIO. TX 78265-9728
`
`gL FE ERMA Leffel geddogg lpgat pba lffetf] fata
`
`
`

`

`
`
`CREDIT REPORTING. We may report intocnation about your accountta:
`Ciodit Gdieaus, Late.puyiiititswnigend payitients, of ptherdetuulty. on your
`Betiinibinay be tellected in your esedit rapt.
`NOTICE OF CREDITREPORT DISPUTES.
`th yoirbaliney the uccodnl-
`‘inhosmationwe mported toa consumer tepurlipapency fs-teaceurale, you
`nay-subinit-a dhect dispute 1 Comenity Bask PO Box 182789, Columbus,
`Ohio43218-2789. Your wtitlen dishute doust puvide sulticiént ihuwaalion
`hridentily the-accounlaod specily whythe iforsiation is inaccurate:
`* Account lnforiiation: Your naive zag atcowit number
`* Contact intoimatinn: Youraddress anid telephone mariber
`» Disputed Information: Identity the scequnt inonnation disputed and
`eaplains why-you believe itis inaceurate.
`* Sappodidg Docdiientatiod: available, penidela-cupy bt thé sectiva,dat
`the CreGlLigpatt Shawthe Acedunl internation yalinte digpaling
`‘We will iewostiqute the diguuléd information and report thé résullls ty you
`‘Withit 30. days ol receipt ofthe infontiation. ngeded tor out investigation, IP
`
`wetind thal The accqunt inlonnation we reported is inaccurate, wewill
`promptly:provide the neceysuryconection to-exch consuines reporling
`agency towhich wereported He fifonnation.
`PAYMENTSMARKED "PAIDIN- FULL’. All writin communications sOpandiog
`disputedwmounts that includes anyieneck or other gupiasat instrument
`marked with “poyment in tall” or sanilar lanpuaee, mugt-osgent to: bObD
`‘North Loop 1604 bast,Suite 101, Sun Antonio. 1X 78247 bOOd,
`OG NOT.USE THE ENCLOSED REMITTANCE ENVELOPE:
`*
`We stay SCCEBL payment sent ty Ay other aditeys WITHGUL losing ary Of Sur
`rigtils,
`.
`‘Nopuyinentishall operate us anaceerdand satishaction-witbout.priog
`written approval.
`CUSTOMER SERVICE: ‘Visit-vsangelcard:comoréall 1 HO0.699.94/8
`TIBBALTY 2 B06 695 1284).
`TELEPHONE MONITORING, lo pride youowdtt tiiatequality series, phone
`cunmumecutionwilit wsis snenilored andor zecunded,
`ADDITIONAL INFORMATION.‘he lolimsing dexignativns, when appeating
`Ga the Tronitof your statement,ifieas tie tollowing: Viieaas variable rate
`
`(this rate inay vary) WV IN| PAY RQuneary WANE INIERESPAYMEN|
`REQUIRED, W'INT EQPYineuns WAIVEIN IERES 1, EQUAL PAYMEN LWW
`INL LOW PMI imeens WAIVE IUERESTCOW PAYMEN | DE INI PYRG.
`eons DEFER INTERES |, PAYMENT REQUIRED: DEE IN| EGPY inaing
`
`DEFER INTERES] EQUAL PAYMENT DEIN] -LOWEPM Liicans DEFER
`
`INTERES, LOW PAYMEN Tand COW APR EQ
`PAYaneany LOW APR. EQUAL
`PAYMENL.,
`lbyou tave'a warinbile sate account, yout perlddic rales anay. NaTYs:
`You may pay all ot your Account Sahuice al aty Ninewiltiodt-ouraily,
`Send alf- inquiriesto: CUSTOMER SERVICE, PO Box 182273, Coliiribus,
`Ohio’432 182273.
`Send ali bankruptcy notices and related correspondence to: Comenity Banik;
`BankruptcyDepartment, PO Box 182125, Colurnhus, Ohio 43213-2125,
`
`NOTICE ABOUT ELECTRONIC CHECKCONVERSION. When you pride a
`checkas payihenit, youduthodes tyréither 1 Use itdrmation trayour
`check Wiikey one lime eleshirie tund Gunster leat your aecount of fi
`process the payment ase chock bensaction. When wo use information tom
`your check-Ry lake wn eechopic lued badder lends-may:fe withdrawn
`Horn your uetaunt ds Soun as the suite: day wectedeive your Peyinetd, and
`Youwill Hat seteive your Chockzbavk tran’ your lirwtioial instaution.
`
`
`
`
`
`i ii
`
`
`
`2.
`
`
`
`
`
`| Keep this portion for your records.
`i What To Do tf You ThinkYou Find AMistake On Your Statement
`} TE ydG Think thefe is i error ori your statatient, write to us ait: ‘Coitlenity
`Bank PO Box 182/82, Cohanbus. bia de218 2/82,
`
`sr yoifeller; give us lhe following Ttaanativn;
`
`Aecourt nifermation: Yout faite god sccoudt wumber.
`
`Boflaraiegant: [hes ddllaramountot ihe saapected ecror,
`|
`Beseriution of Prablera, 12 yoo think there isan arue af youtbill,
`be.
`describe what you believe is weary arid why vow believe iLisa mistake,
`|
` fou MioaL Contact as within GO Gays alas the error apipenred Gri Polit
`{ stitement.,
`i You shust agtity us-ot uny-polentialerrons it writing, Youmay call us; but if
`Lyou do we.aie ool iequited-to investigate any potential. errars and yeq way:
`i have lo pay the amount in question,
`P are bees
`i Walle we investipale whether Wf Gut thee nos:been dndiiie, the Kdlowiayy
`fo -We carnal try to.cullect the amount inquestion, ucreport Yate as
`Ulirquentundhal sicurt,
`ii
`© Ene chaise in question may reiimitt uryaur statementaad we indy
`ii
`ConLie Jo ohaige you Tales? on: Phat aroun, Gul, if se Asterniirie That
`weededa inistake, you wilt nel hava to pay the wineurit if qiiestiondr
`ary interest of uitier taés related to Matamoual.
`* While you donb have topay Ihe amount fe question, you ae responsible
`2
`forthe remainder at your balance.
`£9 We Can apply vey unpaid anipant against your credit Tinik.
`| Your Rights i YouAre, Dissatistieg With Your Ceedit-Cavd Purchases
`| It You ate, dissutislied with thenouds.or services that youhave puictased
`7 with yourcrsdit card. aed you have tried inpoud faith to verreet the
`£ ptoblem with the mercbunl, you may have tie ightcot to:pay the zemiaicing
`famount due-on the purchase,
`| berase:this right, atl of diefeliowing iiust be trac
`it
`the purchase enist have been made’ iyout home state or within
`100 iifles of yout Cutrerilicsailing address, arid Ihe juuchase price
`
`stiust have beefy rkire thas$90, (Norte: Neithar-ot these
`is necesgury
`#1 yur-poschiase wasteised-ori ani adventisaiment we nailed a yen,
`or [hit baer Ihe-ctitpariy Mal sold you the gudds. of sefvices3.
`Youmsl have-used your tredil-carg tor the purchase. Purchases
`made withcashadwences treat aicAlM or witha check that
`@ecesses Your credit card acceurt. do not quality,
`You. mist nbkyel have billy uaid tor the purchase;
`%
`:U atbab e:citeésia abe ate inet arid:yot are SHILAISSatistiad with the
`f purchase, contactiis iy writing ate Caunenily: Bink PO Box 182782,
`j Columbus, Ohio 49218:2782.,
`j While we investigate, the samesules applyty the. disputed amount as
`F Uisclssed:- above, Alter we finish-our investigation, we will tell xolr-aur’
`i Getivin, Atal. point, Uf we think yotr owe ar-urigunl und you du notpay
`fF we may. repart you as delinquent,
`
`| HOWTO AVOID PAYING INTEREST. Your die dute iy uf least 2b days alter
`
`j the close of eactrbiling cycle. We will nel charpe you interestan purchases
`Fit YOU pay yourentice Dulunce by the dum dute each month .We will begin to.
`i chargé internist or-néw.qurhases oaite under a Low APR, kadal Payment
`| of Budget Payment Credit Plan, rome the date at: purchase.
`
`E BALANCE COMPUTATION METHOD, We
`caicutate interest separalety tor
`
`j Bach bye of balance on-yuuraccuunt using.
`a "Daily Balaoce” te delerasine
`
`idterest Chaiges foi Gach biting Period, We tipure the interest Charpe ats
`your accoiint by épplying the periodié rale te. the“daily batanve” of your
`accuant fureach day in the billieg ©
`o pet the “daily. balance” we
`
`ake Ihe beginning balance-ol your aece:
`cach diy, aad any few
`His (hrealing ary vet
`I purchases and tees, weet sublract aia caynents or G
`| credit-balance as:e zerbalance), [his.gives us the daily balacce,
`i
`
`iiii| i |
`
`PAYMENTS.Pay your Accountby. the payment due dute by the tane listed below, if we du nutiteceive yuur payment in acorect faunal (outlined below) #
`i inay sob be credited lacyour Account: Iacup tu live days, or-cay Se elected, Also, your payitient mast reach us by [he paytienl culotl Baie that apaligs 1
`| the payinent method yourselect:
`i
`Corsect-Foemat.. Corel. tmat tor ditlerent payment methods include:
`
`
`Mailing or Qvermigh
`: Sead @ personal check, suney ode, laveler's-check-ut-cushier’scheck’ payable ire US: doltars, tothe nainé andbaddress shown.aa
`tis Statement incthe payment stub drew. coriluinisp-your balance sed miniinient
`payment amount. Be-sute te include your osyment stub, donot staple or
`
`Hipyour paymentto the stab, iniclude-your account nomber
`ous Check, use the-enedlope providhd witty your Slatemend; sand enc payméat wi thane
`
`payitient stub ahi de hot Sead any Conespoiiened with yoorpavinent, You should weeniihta payinett 10 6980 North Loop 1604Last, Suite 101, Sait
`Hania, E78287 2004 aed the additional tormat cequirenients we the same-as other, mailed payments unless thers is: dispute, in whieh case-vou tullow
`j the Payinents Marked “Paid-tn full” section above. Do not.send cash ur gilt centiticales: Pay By Phone: You can-cal!-us toll fee at L800 698 94/4
`IDLVT TY 1 200 $96 1 /B8}-to arake a payitert by telephone, which amy iicladé:d lee, Online: Yolk cai aiake'a paydient unlitie st vsangelcayd.coin.
`in-store: You can muke payitients in store,
`
`
`‘ayment-CutotfTimes. Payment culoft fimes/deadiines lor us loseceiva payments afe by tie due date yn this Shatement in the payment stub arca.al ihe
`
`illowingtines: -Maiting and Ovemight: By 6:00 pri Lusterlitve (& Ui: Pay &y Phones Be 8:00 pin tel); Online: By BAGG pin (EF; anid FA-Stor’: By Whe Heid
`i the ature. clases at the locationyou make your payment,
`
`|
`
`i
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`i
`i
`
`New information
`Title feptional) First Name
`Baeeee
`
`
`
`Streat Address
`a
`Aat. No.
`RR
`
`
`
`_. Sip Code |
`
`Foreign Map Code
`City. pon
`Heme Phone __
`aw, Work Phone
`Emait Address
`
`
`

`

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`PAGE SOF 4
`
`Interest charge calculation
`Your Annual Percentage Rate (APR) is the annual inferest raie.op your accourit.
`INTEREST
`SALANGE SUBJECT
`TYPE-OF
`CHARGE
`TOMNTEREST RATE
`BALANCE.
`APR
`45.07
`2,123.58:
`Purchases
`24.9900% (¥}
` Additional important messages
`Reminder. You must pay the minimum paynient.due as shown on your Periodic Billing
`Statement:by the-due date in. order to avoid any late fees. A minimum paymentIs required even
`if a returned purchase. applied to your account i¢ equal to or greater than the minimum payment
`due. Please see your Credit Card Agréement tor additionalinformation,
`
`“ForVictoria's Secret-rewards program terms visit www.VictoriasSboret:com/vsangelrewardterms.
`
`Did you know? You can easily add a family meniber orfriand as anauthorized ‘buyerfor your Victoria's
`Secret Angel CardiIt's. justone way to spoil your loved one while reapingthe rewards. And, you can
`choose betweeri a Victoria's Secret Angel Card or a PINK Angel Card design. Just access our secure
`customer service website-at vsangelcard.com or call our CustomerCare Center at 1-800-695-0476
`(TOD/TTY 1-800-695-1788).
`
`Be the first to know! Sign up-for emails.at VictoriasSecret.com/angel-card.
`
`How can-you take charge against ID Theft? Visit:idthelt.gov to find out.
`
`VSAngelCard.comfA nipisited paytnod tee. if tw85: sinay apply for sainisstay fuayseimeds rele Wah. & febiseatHie.
`
`Paying on your accountis as easy as 1-2-3!
`Mail payment to: Gomenity Bank PO BOX 659728, SAN ANTONIO, TX'78265-9728
`
`Call to. schedule a sarie-day payment* 1-800-695-9478. (TDD/TTY: 1-800-698-1788).
`
`To register or sign-in your Account Centervisit:.
`
`M7 00L «=4s
`
`Sh5b3752396597755
`
`OOUDDF000 000182369
`
`

`

` >>fk7Oiow31be,
`
`

`

`EXHIBIT A
`
`BILL OF SALE
`
`COMENITY BANK(“Seller”), forvalue receivedand pursuant io the terms and conditions
`ofCredit Card Account Purchase Agreementdated August29, 2016 between Sellerand
`(“Purchaser”), itssuccessorsandassigns. (“Credit Card Acoount Purchase Agreement”),
`hereby assigns effectiveas ofthe FileCreationDate ofNovember22,2016allrights, title
`and interest ofSeller in and tothosecertain receivables,judgments or evidences ofdebt
`describedin Exhibit 1 attachedheretoand madeparthereofforall purposes.
`NumberofAccounts
`Total UnpaidBalances
`
`cs
`
`Due Seller
`
`Amountsdue toSellerbyPurchaserinhereundershallbepaid U.S. Dollars by a wire
`transfer to. be received by Selleron (the “ClosingDate”) November 29, 2016 by 5:00 pin.
`Seller’s time, as follows:
`
`COMENITYBAN
`ABA
`:
`Beneficiary Name: Comenity BankDepository
`Beneficiary Account: ~~~
`
`This Bill ofSale is executed without recourse except as stated inthe Credit Card Account
`Purchase Agreement towhichthis is an Exhibit. No other representation ofor warranty of
`title or enforceability is expressed or implied.
`
`ZSEENAERAines
`eeeee
`
`COMENITY BANK
`PORTFOLIO RECOVERY ASSOZIATES, LLC
`
` Date:
`2beby
`steerereeeeteiemeen,
`Title: LP
`.
`Title Kirk em! Sy
`
`

`

`
`
`
`
`
`
`
`
`HOME_PHONE
`HOME_PHONE_VALIDITY_c
`ODE
`
`
`
`
`
`
`FAMRRENIRAAG
`14/8/2013 12:00:00 AM
`[11/1/2016 12:00:00 AM
`3/27/2016 12:00:00 AM
`400
`
`
`
`ti 1/21/2015 12:00:00 AM
`LAST_PURCHASE_AMOUNT
`4STOMER_DATE_OF_BIR
`
`WRITEOFF_AMT__lasag.o600
`
`249.27
`
`1778.6200
`PRINCIPAL BALANCE
`UNPAID_FINANCE_CHARG /353.4400
`ES
`257.0000
`UNPAID LATE FEES
`UNPAID_MISCELLANEOUS_ {0.0000
`FEES
`
`

`

`SERIES. NUMBER
`CURRENT_AGENCY_NUMB
`ER
`STATUS_CODE_1
`STATUS CODE 1 DATE
`
`8/2/2016 12:00:00 AM
`
`STATUS ‘CODE 2 DATE
`
`11/2/2016 12:00:00 AM
`
`
`
`STATUSCODE3DATE
`SOA TP_TYPE
`
`
`SOA_TP_FIRST NAME
`SOA_TP_MIDDLE_INIT Te
`OA _TP LAST NAME
`
`SOA TP_ADDR LINE 1
`SOA TP_ADDR LINE 2
`
`
`
`
`
`
`
`
`
`
`
` @Oo> —| Uv a2 m
` SOATPZIPCODE
`SOA_TP_ZIP CODE PLUS4
`SOA_TP_HOME_PHONE_N
`SOA_TP_
`4
`4
`BoA TP_WORK_PHONE_N
`SOAHOME_PHONE_VALIDI
`CODE
`SOA_BUSINESS_PHONE_V
`ALIDITY CODE
`BK_CHAPTER
`BK_FILING DATE
`
`BK_CASE_NUMBER
`
`
`
`
`*axa *+a**
`
`I[sa]en©
`
`1/1/1900 12:00:00 AM
`
`SAFE HARBOR _AMT
`SAFE _HARBOR_AMT2
`CCA_INUSE DATE OffUs
`ANFTRM_FEE_TYPE_OffUs
`>5 a = 7m m > =| 5Q| Q
`fUs _ _
`ANFTRM_MIN FEE OffUs
`ANFTRM_MAX_FEE_OffUs
`[o
`NGCTRM_MIN_FEE OffUs
`|o
`NGCTRM PCT FEE Offus
`NGCTRM_FLAT_FEE_AMT_ /|25
`OffUs
`
`
`
`
`
`

`

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`
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`OffUs
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