`MM
`
`TARGET:
`
`=00000*
`
`RedCard Ending in: 4925
`AccountIdentification Number: 00057293724
`JENNIFER TRAPASSO
`
`Summary of Account Activity
`Previous Balance
`$2,509.43
`-$25.00
`Payments and Other Credils
`Purchases and Other Debits
`+30.00
`Past Due Amount
`$725.00
`+$40.00
`Fees Charged
`+$0.00
`Interest Charged
`New Balance
`
`$2,524.43
`
`Statement Closing Date: November 5, 2022
`Page 1 of 2
`
`Payment Information
`New Balance
`
`Minimum Payment Due
`Payment Due Date
`
`$2,524.43
`$2,524.43
`12/5/2022
`
`If you would like information about credit counseling services,
`call 1-800-991-8433.
`
`Credit Limit
`Available Credit
`Statement Closing Date
`Days in Billing Cycle
`
`Important Messages
`
`$0.00
`$0.00
`11/5/2022
`
`For questions, an address change orto reporta
`lost or stolen card, go online or call us:
`Manage My RedCard
`Target.com/myRedCard
`Target Card Services
`1-800-659-2396
`TDD/TDY
`1-800-347-5842
`Outside the U.S.
`1-612-307-8622 (Call Collect)
`Calling will not preserve yourbilling-errorrights
`
`31
` $40.00
`
`Your account has been chargedoff. This is your final statement. New York City Residents: Please call us at 800-757-
`0094 to record your language preference or to request a communication in a reasonably accommodated format.
`
`Transactions
`Trans Date
`
`Description of Transaction or Credit
`
`Location
`
`Amount
`
`E-PAYMENT, TARGET.COM
`
`LATE PAYMENT FEE
`
`TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD
`
`TOTAL FEES FOR THIS PERIOD
`
`$40.00
`
`(transactions continued on next page)
`
`NOTICE: SEP REVERSE SIDF FOR IMPORTANT INFORMATION
`
`INCLUDE THIS PORTION WITH YOUR PAYMENT MADF PAYABLE TO TARGET CARD SFRVICES
`
`TARGET.
`
`NEW PHONE, HOMF OR
`F-MAIL ADDRESS?
`PLEASE UPDATE ON
`RFEVFRSEF SIDF.
`
`OFFICE COPY
`
`UUMA
`
`TARGET CARD SERVICES
`P.O, BOX 660170
`DALLAS TX 75266-0170
`DMG AP LM peep yy Eppene feeder gAg ff Eaffoe fp ysPMafe fy t!
`
`Account Number Ending in
`Account Identification Number
`New Balance
`Minimum Payment Due
`Payment Due Date
`Amount
`
`4925
`00057293724
`$2,524.43
`$2,524.43
`December 5, 2022
`
`Enclosed §
`
`JENNIFER TRAPASSO
`145 DIVISION ST
`ANSONIA CT 06401-2170
`
`SOO02SO02S24450e2Se44s0 PPP Podos Peas e4 Pd
`
`

`

` Y
`
`MM
`
`*00000*
`
`RedCard Ending in: 4925
`AccountIdentification Number: 00057293724
`JENNIFER TRAPASSO
`
`Transactions (cont.)
`
`Statement Closing Date: November5, 2022
`Page 2 of 2
`
`Total fees charged in 2022
`Total interest charged in 2022
`
`$440.00
`$449.38
`
`today at Target.com/myRedCard.
`
`Go Paperless and more!
`Go paperless, easily make payments, and set up alerts for your account with Manage My RedCard! Enroll
`
`Interest Charge Calculation
`
`Your Annual Percentage Rate (APR) is the annualinterest rate on your account.
`
`Purchases
`
`0.00%
`
`$0.00
`
`There is a Minimum Charge of $1.00 for any billing period in which an interest charge is imposed.
`
`Special Announcements and Exclusive Offers
`
`57293724
`
`

`

`
`
`TD Bank USA, N.A.
`(as successorin interest to Target National Bank)
`
`AFFIDAVIT
`
`SS.
`
`) )
`
`)
`
`PLANTIFF
`
`VS.
`
`JENNIFER TRAPASSO
`
`DEFENDANT(3S)
`
`State of Minnesota
`
`County of Hennepin
`
`I, Charles Amoloja, beingfirst duly sworn,deposeand say:
`
`My name is Charles Amoloja. I serve as a custodian ofrecords for Target
`1.
`Enterprise, Inc. (“TEI”) and am duly authorized byPlaintiffTDBank USA, N.A. (“TD
`Bank USA”) to make the following representations.
`
`JENNIFER TRAPASSO’s credit-card accountwas originated by
`2.
`Plaintiff TD Bank USA,Plaintiff TD Bank USA has never sold, assigned, or
`otherwise transferred the account, and is the only entity with a right to collect the
`balance due on the account. TEI services and maintains the business records, including
`the accountinformation on behalf of Plaintiff TD Bank USA.
`
`I makethis affidavit in support of Plaintiff TD Bank USA’sclaim in this
`3,
`matter. [am an adult (having reached the age of majority) and competentto testify to the
`matters in this affidavit, which I make upon personal knowledge.
`
`4. The attached documents are true copies of the originals except to the extent
`that confidential and privileged information may be omitted or redacted and personal
`identifying information may be omitted or redacted as required by local rules, and
`applicable state and federal law.
`
`1 am familiar with the manner and method by which TEI maintains
`5.
`business records for the credit-card accounts. My responsibilities include researching
`business records,including electronically stored information relating to credit-card
`accounts, in connection with collections and collection-related litigation. My testimony in
`
`

`

`
`
`this affidavit is based on that research, which may include a computerized analysisor
`comparison of electronically stored information by means of a system with which I am
`familiar,
`
`I have reviewed the records relating to JENNIFER TRAPASSO’s
`6.
`account and, based on that review, the business records reflect that—
`
`(a)
`
`(b)
`
`JENNIFER TRAPASSOis an adult (having reached the age of majority)
`and neither Plaintiff TD Bank USA nor TEI has been notified that
`JENNIFER TRAPASSOis not competentto enter ito a binding contract
`
`On 10/6/2015, JENNIFER TRAPASSOopened acredit-card account
`with Plaintiff TD Bank USA.
`
`(c)
`
`JENNIFER TRAPASSO charged purchases to thataccount;
`
`received inthe amountof__Z5- 0° on tol 26/22. ;
`
`(d)
`
`A payment on JENNIFER TRAPASSO’s credit-card account
`
`
`
`
`
`waslast
`
`
`
`()
`
`JENNIFER TRAPASSOhasbreachedits contract andthe credit-card
`account is in default. On 11/05/22 the credit-card account was charged-
`off. On the date the credit-card account was charged-off, the account
`balance was 2,524.43; a true and accurate copyofthecharge-off
`statementis attached and referenced herein as exhibit B.
`
`As ofthe date ofthis affidavit, JENNIFER TRAPASSOisindebted to
`Plaintiff TD Bank USA owing a balance of 2,524.43 in cornection with
`the credit-card account, which balance is overdue andunpaid. This
`balance does not consist of any late feesapplied after the date the account
`was charged-off and Plaintiff TD Bank USAis not seeking any attorncy’s
`fees. Plaintiff TD Bank USAis the current ownerof the credit-card
`account and has not re-assigned, extinguished, or released the debt. There
`has been no accord andsatisfaction, andthere are no credits for unapplied
`payments or any set-offs which would reduce the balance owed by
`JENNIFER TRAPASSO. This claim is not based, directly or indirectly,
`upon the sale of a chattel which has been repossessedpeaceably or by
`legal process.
`
`

`

`
`
`I solemnly affirm, under penaltyof perjury under applicable law and upon my
`personal knowledge based on my review ofthe business records of TEI as servicer for
`Plaintiff TD Bank USA,that the contents of the foregoing affidavitare true.
`
`Sign:
`
`(* GHmotors
`
`
`
`Print: Charles Amoloja
`Custodian of Records
`Target Enterprise, Inc.
`
`12-[6[ww
`
`Date
`
`e foregoing was sworm to before me and subscribedin myprésencethis clk
`mlatr ,2022:
`
`day of
`
` Seal
`
`My commission expireson___—sO1 (31 [ 2F
`
`,
`
`LNE4
`
`

`

`
`
`AMT
`
`
`Statement Closing Date: November5, 2022
`Page 1 of 2
`
`Payment Information
`New Balance
`
`Minimum Payment Due
`Payment Due Date
`
`$2,524.43
`$2,524.43
`12/5/2022
`
`TARGET:
`
`RedCard Endingin: 4925
`Account Identification Number: 00057293724
`JENNIFER TRAPASSO
`
`Summary of Account Activity
`Previous Balance
`Payments and Other Credits
`Purchases and Other Debits
`Past Due Amount.
`Fees Charged
`Interest Charged
`New Baijance
`
`Credit Limit
`Available Credit
`StatementClosing Date
`Days in Billing Cycle
`
`$2,509.43
`-$25.00
`+$0.00
`$725.00
`+$40.00
`+$0.00
`
`$2,524.43
`
`$0.00
`$0.00
`11/Sf2022
`
`34
`LATE PAYMENT FEE $40.00
`
`If you would like information aboutcredit counseling services,
`call 1-800-991-8433.
`
`For questions, an address change orto report a
`lost or stolencard, go online or call us:
`Manage My RedCard
`Target.com/myRedCard
`Target Card Services
`1-800-659-2396
`TDD/TDY
`4-800-347-5842
`Outside the U.S.
`4-612-307-8622 (Call Collect)
`Callingwill not preserve your billing-error rights
`
`Important Messages
`
`Your account has been charged off. This is your final statement. New York City Residents: Please call usat 800-757-
`0094 to record your language preference or to request a communication ina reasonablyaccommodated format.
`
`Transactions
`
`Trans Date
`
`Description of Transaction or Credit
`
`E-PAYMENT, TARGET.COM
`
`TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD
`
`TOTAL FEES FOR THIS PERIOD
`
`$40.00
`
`(transactions continued on next page}
`
`NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
`
`INCLUDE THIS PORTION WITR YOUR PAYMENT MADE PAYABLE TO TARGET CARD SERVICES
`
`TARGET.
`
`NEW PHONE, HOME OR
`E-MAIL ADDRESS?
`PLEASE UPDATE GN
`REVERSE SIDE.
`
`OFFICE COPY
`
`UUMA
`
`TARGET CARD SERVICES
`P.O. BOX 660170
`DALLAS TX 75266-0170
`PULP LDgeena DA gpeeefoa tonghg] fondlePe fap ye
`
`Account Number Ending in
`Account Identification Number
`New Balance
`Minimum Payment Due
`Payment Due Date
`Amount
`Enclosed §
`
`4925
`00057293724
`$2,524.43
`$2,524.43
`December 5, 2022
`
`JENNIFER TRAPASSO
`145 DIVISION ST
`ANSONIA CT 06401-2170
`
`SO00c¢S5025244390252443990777 7000572935 724791
`
`

`

` AM
`
`TARGET
`
`*O0000*
`
`RedCard Endingin: 4925
`AccountIdentification Number: 00057293724
`JENNIFER TRAPASSO
`Transactions {cont.)
`
`Statement Closing Date: November5, 2022
`Page 2 of 2
`
`today at Target.com/myRedCard.
`
`Go Paperless and more!
`Gopaperless, easily make payments, and set up alerts for your account with Manage My RedCard! Enroll
`
`Total fees charged in 2022
`
`Total interest charged in 2022
`
`$440.00
`
`$449.38:
`
`Interest Charge Calculation
`
`Your Annual Percentage Rate (APR) is the annualinterest rate on your account.
`
`Purchases
`
`0.00%
`
`$0.00
`
`$0.00
`
`There is a Minimum Charge of $1.00 for anybilling period in which an interest chargeis imposed.
`
`Special Announcements and Exclusive Offers
`
`S7293724
`
`
`
`

`

`
`
`ake payments in OLS. Goillars,
`Payinen? intarmation: Flo.
`
`at your statement. Mail us
`piv
`accompanied by the fosenr
`
`a
`nent
`in tke enclosedreturn envelope or addressed ge: Target
`
`joes, PO. Box ONTO Dallas,
`FS2GBAN TG,
`Heats: do net mail cash payments-ur gith certificates, Make your
`check payable to Target Cand Services. if these payment instrae-
`dons ate noi followed the crediting ofpayments may he delayed
`for up ta five (3) days after receipt. Paymentsreceived Ixy SD0PM
`CY are creditedas of the dayof receipt. You can also pay onlineat
`FeesinsReda by 3.00BM CT,
`by-callings 800-659-2396 by
`
`LLOUPMECTor at @ Tatget store uatil
`the sime clases to have the
`paytientcredited to your gecount as ofte sume day.
`‘You thay ai any (ime pay che fll wmount you ewe er any part
`thereof without incurring any propayiient chatges.
`Electronic Paement Processhig: Whoa you prowdt a check as
`payment. vou-authonze us either ruse the information from your
`
`check to make a one-time electronic fiedtransfer
`frem your
`account
`ur ig: process ike payment esa check transaction, When
`west information from your check t make an elecwonie Fuad
`ihinsfer, funds may be withdawn Riva your actdunt as soon ax
`
`the: sara any owe receive your payment, aud you will nol receive
`your chuck back from your Anenclal
`insstudan.
`Hf your check is-veturted unpaid for insufficient or uncollected
`fonds, We niay presentthe rcturmed check electronically,
`liey We Calculate the Balance for
`Interest Charge: We
`calculateaDallyBalance foryourAccount balance, Weinay maintain
`separate balanves for your Purchases and special promiodonal Par
`chase balancesteach, a “Balancelipe'}and caleulatea Daily Balance
`foreach, Jo ditertnine the Daily Balance-fora Balance Fype, we take
`
`the begining balance for the Halence Type, add any new charges
`included in that Balance Type. and subtract any payments and
`credits applied tothar Balance Type. We ther-omitiply te resulting
`balance ty the applicable Daily Poriudlé Rete andsia datly Interest
`Chargesincliniedii the beginning balgies ofthat Balance Type for
`
`thetext day Purchases-are wclodedithe Daity Balance as of the
`later etthetransaction date or thefirstday afthe billing pedod in
`which dit Purchase is posted to the Accowit Pees ure Included in
`the Daily Balance ef Purchoses when posted tothe Accownt, At the
`billing.
`end oftte
`period, wewill add up she-daiiy Interest Charges
`
`ou allBalanites
`“Pypes
`tor each dav in the billing period to get the
`total Interest Citifor thebillingperiod. The Balance Sadject to
`Interest‘Rate shown on the front ofthe statement is the average
`
`daily balancewhich ismuitiphed by the nunther-of days in the bill-
`lngoyele sidtheperiodicrateapplicdtotheBalanceTypeto determine
`ie amouninlinterest,
`Pagiie Interést: You miy avoid paying an Interest Charge on the
`— balance by paying your entire New Balance by the
`aymontDine Date each mooi. if your Account hasie promotional
`balatice, this may impact how we are recuired fo apply you
`paymentsand wieder you tan avoid faving interest Charges on
`surchases.
`
`Delinquent Accounts:Failte to payatleast the Minunuim Payment
`Qhiemayretell balalepaymentfee. Iyeut Accdunis past due or in
`default ander the Credit Card Agrecment, tlis is air altempt to
`cdllestadebt-andany inforratien obtained will be used for that
`puriasc.
`We may report information about-yvour weconnt to credit bureaus.
`Late payments, missed payments, or other detanits on your account
`may be reflected in your credit repos.
`
`Disputes About Information We Reporied ro Credit Bureaus:
`if you helleve we have reported
`towie Aviermation about your Accowit
`
`4O a oral buresa, you may: ne
`us by sondiie your Accotai auiaber
`
`and a description of the intormution vou believe to be imaveurete to:
`Vareer- Cant Services, PO. Bax 673, Minneapolis, MN S5446-0673,
`Disputed Amounts; All conmmunicationsconcerning disputedamouny, including
`
`avy check or other payment inshument in an amount less than th
`pount
`
`
`dye tit you send to vs marked “paynientin full”or you athenwiseter
`gnusfection of a disputed amobnt, mist-be sentto us at theaddress
`fab
`
`inquiriesshown in die summary: of yourbillingrights that appears
`below
`mayaccept ary such payment, af this address or elsewhere, without waiving
`any of our rigitts to recemve full payment under the terms of your Credig Card
`Agrrenient.
`BILLING RIGHTS SUMMARY
`Whal To Doe if You Think ‘You Find a Mistake on Your Statement
`Tf you think there is-an error on your statement, write tous af:
`TD Bank USA, NLA. clo Tuneet Card Services. FO. Box $800, Minneapolis,
`MN 55440.
`inyourletter, giveus the following mnformation:
`+ Account information: Your name ang account Albee
`* Dollar carcuat: The dollarainount of the suspectederror
`« Desecration of Problem: it-you think there issn crtor onyour bill, desttibe
`what you believe is wrong and
`why
`you believe it
`is
`a
`imistake.
`‘You must contact us-within 60 days after the error-appenred on-yourstatemen:,
`You thusttiotify vs ofglai Oinay cali us, batilyou
`do we are not required ounvestigate any: poteatal crroms and you mayhave.to
`paydie amanntin question.
`While we iivestipate whether or net there bas beenanerror, the followide-are
`ime:
`
`in quéstigh, or
`
`report vou as
`
`+ We cmmpot fy fo collect tis apount
`delinguent on tat about.
`* Thecharge in question may romainou your statement, and we may continue
`io charge you interest ou that amount Bas, if we determine the we made 2
`mistake, yotr will uel
`have
`pay THe Brnuunl
`id questicn ar
`any interest orother fees:relatedtotharamount
`* While you do not-have to pay the amountin-question, you are responsible
`for the remainder of yourbalance,
`:
`~ We cin applyanyonpaidamount against yawcreditlimit.
`Your Rights if You Are Dissatisfied With Your Credit Card Purchases
`Ifyou are dissatisHed with the goods of services that you bavé purchased with
`your credit card,anid you lrave tied in good faith to corréet the problem with
`themerchant, youmayhave the right-not to:paythe remainingamount due on
`the purchase. ‘To usethis right,all of the following must betue:
`1, The putchase inust have
`made inyour home slats orwithin 100 iniles.of
`our currentmailing address.and (he purchaseprice must bavebeew morethan
`50, (Note; Neither of these are necessary if your purchase was based on an
`advertisement Target mailedto vou, or if Target or Tarieneom sould you the
`goods orservices}
`2. You musi have used your credit cand forthe purchase,
`3. You wiust nut yet have fully paid for the purchase.
`fail of the criteria above are met aud you are still dissatisfiedwith the purchase,
`contact usin wrintag an Target Card Services,PO Hox 1881, Minneapolis,My
`55440-1581.
`While we investigate, the same miles apply to thedisputed amount as discussed
`ubove. After we finish our investigation, we ofl} tell vawour decision. Arthat
`point, if we think you owean amount ond youdo net pay, we may report you
`ae delinquent.
`account with
`Services
`Target® Card
`TD Bank USA, NLA.
`2019 Target Brands. lnc. 'Tarmet, the Bullseye Design andButlseye dow anc
`trademarks ofTarget Brands, Ine.. nsedl under license, The RedCaed erecit cards
`re issued by TD Bank USA, NLA.
`
`provides
`
`gervices
`
`for
`
`your
`
`NEW HOME OR E-MAIL ADDRESS?
`
`Please compleig the following information:
`
`
`Name
`
`
`Stee Addeess
`
`\eearacremamnasonenessSusseiihisoechsihbinntndiipslinnaianislannaihhicineeh
`City, Save, Zip Code
`
`emerytenena
`Work Paong
`Herne Phone
`
`