DANBURY J.D. SMALL CLAIMS
`AT DANBURY
`
`CITIBANK, N.A.
`
`-~against-
`
`LINDA M ABRAMO
`
`SESSION
`
`our File No.
`
`cc
`
`000006254682
`1431672
`
`Plaintiff,
`
`Defendant.
`
`Index No.
`
`COVER SHEET
`TO BE ATTACHED
`AFFIDAVIT OF MERIT
`
`

`

`Case No.
`
`Affidavit of Debt
`
`CITIBANK,NLA.
`
`vs.
`LINDA M ABRAMO
`
`seNeeeeeet
`
`Plaintiff,
`
`Defendant.
`
`
`
`) }
`
`ss.
`
`STATE OF KENTUCKY
`
`COUNTY OF BOONE)
`Before me, the undersigned authority, personally appeared the person identified below, who being by me duly sworn, deposed
`as follows:
`lam of sound mind, lawful age and capable of makingthis Affidavit. The statements
`.
`W Pullens
`. My nameis
`set forth in this affidavit are true and correct based on my personal knowledge andreview of the business records described herein.
`|
`am authorized to make this affidavit on behalfof plaintiff Citibank, N.A. (referred to herein as “Citibank"). Citibank is a National Bank
`located in Sioux Falls, South Dakota.
`._ Lam employed by Citibank. Myjobtitle is Document Control Officer. My employmentduties include being a custodian of records with
`respect to accounts owned by Citibank. As a custodian of records, | have knowledge of, and access to, account information and
`records concerning the defendant's Citibank account numbercurrently ending in 732, whichis the subject of this lawsuit (the
`“Account"). As a result, | am competentto testify !o the matters stated herein.
`The records of Citibank indicate that the Account wasoriginally opened by Sears National Bank on 03/01/1994. On 11/3/2003, Citibank
`acquired substantially all of the SEARS GOLD MASTERCARDcredit card accounts from Sears National Bank, including Defendant's
`Account.
`Citibank’s records regarding the Account contain the name andbilling address of the defendant, the Account number (and predecessor
`account numbers,if any), the Account's history, which may include charges made,interest and/or fees assessed, payments and/or
`credits received, and the minimum payment due and the total outstanding balance due on the Account, all of whichare collectively
`referred to as the “Account Information”. Exhibit A attached hereto and incorporated herein are copies of the Account statement
`transaction detail for the period from 1/29/2022 to 2/25/2022 that was sent to the defendant(the "Account Statement").
`The Account Information reflects that charges were made on the Account to purchase goods and services and/or obtain cash
`advances. Defendant wasprovided periodicbilling statements for the Account when there was Account activity, which described the
`charges on the Account, along with interest, fees, payments, credits and the amount due on the Account.
`Exhibits A and B are business records(s) reflecting information created and maintainedby Citibank, in the course of regularly
`conducted businessactivity, and are part of the regular practice of Citibank to create and maintain such information, and also were
`made at the timeof the act, transaction, occurrence or eventor within a reasonable time thereafter.
`ASreflected in the Account Information, defendantdid eventually fail to make required payments on the Account.
`
`__
`
`As a result of defendant's failure to make proper payments on the Account, defendantis presently in default on the Account.
`
`10.
`
`41.
`
`12.
`
`The Account Information shows that the Account Statementreciting the amount of the debt wassent to the defendanteither by regular
`mail or by electronic mail. The attached Account Statement does not reflect any outstanding disputes on the Account.
`As reflected on the attached Account Statement, the balance on the Accountis $4,255.16. After the attached Account Statement was
`sent to the defendant, an additional paymentor credit/debit was received on the Accountin the amountof $0.00. Asof the date ofthis
`affidavit, the Account balance of $4,255.16 is due and owing.
`Citibank's records reflect that defendant opened and/or used the Account and, therefore, to the best of my knowledge, defendantis
`neither an incompetent, nor a minor.
`
`The Account Information shows the most recent pre-charge-off Account Statementthatreflects a purchase, transaction, service billed,
`payment(including a paymentthat later returned as unsuccessful whether due to insufficient funds or otherwise), or balance transfer.
`Exhibit B attached hereto and incorporated herein is a copy of the last activity account statement(if applicable). If only one Account
`Statementis attached, then the most recent pre-charge-off activity on the account appears on the last activity Account Statement.
`
`13.
`
`The debt reflected herein is delinquent, past due and remains due and owing. Citibank is the owner of the Account and the party and
`entity to whom the delinquent debtis owed.
`
`14.
`
`All Documents attached hereto are true and correct copiesof the originals or are copies of the Account Statements which accurately
`reflect data relevant to the Account but may be missing original graphic images.
`
`

`

`15. Based on my regular and sustained useof electronic data housedin the plaintiff's computer system,| have personally observed thatthe
`plaintiff's computer system is reliable.
`
`1 solemnly affirm under the penalties of perjury and upon personal knowledgethat the contents of the foregoing
`paperaretrue.
`
`EXECUTED on
`
`| Nowy u
`
`20AA.
`
`Signature
`
`W Pullens
`
`Name
`
`ss.
`
`
`
`}}
`
`}
`
`STATE OF KENTUCKY
`
`COUNTY OF BOONE
`
`.
`
`Subscribed and sworn to beforeme by
`of
`, 20 ?-
`
`WPultens
`
`
`this
`
`. L
`
`day
`
`[SEAL]
`
`
`
`KATHLEEN DAUGHERTY
`Notary Public
`Notary Public
`
`My commission expires:_October22,2025
`Commonwealth of Kentucky
`
`
`Commission Number KYNP37408
`My Commission Expires Oct 22, 2025
`
`
`
`OR
`Personally known
`
`Produced identification
`
`.
`
`Type ofidentification produced:
`NIA
`
`

`

`
`sears ©
`erenauities:
`POBox6262, SiouxFails,SD7117-6282|
`Mastercard”
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`Customer Service:
`
`Account Statement
`Send Notice of Billing Erroms and Customer Setvice Inquiries to:
`SEARS CREDIT CARDS
`
`1-800-669-8488 (TTY: 711)
`
`Payment Information
`New Balance
`Minimum Payment Due
`March 25, 2022
`Payment Due Date
`Late Payment Warning: If we do not receive your minimum paymentby the
`date listed above, you may have to pay alate fee up to $40.
`Minimum Payment Warning:
`If you make only the minimum payment each
`period, you will pay more in interest andit will take you longerto pay off your
`
`
`
`"$9,378
`$6,110
`(Savings=$3,268}
`I you would Ilka information about credit counseling services, call 1-877-337-818
`(TTY: 711).
`
`$170
`
`}
`
`3 years
`
`Summary
`
`of Account Activi
`
`Fees Charged
`Interest Charged
`New Balance
`
`
`
`
`
`+$40.00
`
`+$80.80
`
`$4,255.16
`
`
`Past Due Amount
`$1,036.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`0.00
`
`0.00
`
`02/25/2022
`
`03/29/2022
`28
`
`Credit Limit
`Available Credit
`Cash Advance Limit
`Available Cash Limit
`Amount Over Credit Limit
`Statement Closing Date
`Next Statement Closing Date
`Daysin Billing Cycle
`
`New York residents may contact the New York State Departmentof Financial Services by telephone, 1-800-342-3736, or visit its website, www.dfs.ny.gov,
`for trae information on comparative credit card rates, fees and grace pariods.
`
`Please note that if we received your pay by phoneor online payment between § p.m, ET and midnight ET on the last day of yourbilling period, your
`paymentwill not be reflected until your next statement.
`
`Please update your phone number, including cell phone number on the back of the payment coupon.
`
`& ME 18
`
`This AccountIs lseued by Citibank, NA.
`Page 1 of 6
`PLEASE SEE IMPORTANT INFORMATION ON PAGE2.
`concenencased ._,Pleasedetachandreturnlowerportionwithyoutpaymenttoensurepropercredit, Relainupperportionforyourrecords.
`me,. Your Account Number le ERMAN732
`
`
`March25, 2022
`94.256.16
`_—
`Si
`1,036.00
`$1,200.00
`oy hotaer:
`2
`:
`:
`< ‘
`o
`heeds
`tpast Que Amountis included in the Minimum Payment Dus.
`Pigase print address changes on the reverse side,
`Make Checks Payable to ~
`
` a
`
`
`
`
`
`
`
`
`PaymantDueDate
`New Balance
`:
`Past Due Amount
`Minimum Payment Due
`
`Cl t1
`
`SIOUX FALLS, SD 67117-6286
`PO BOX 6286
`t Enclosed
`Enclose
`
`Statement
`
`.
`
`
`Managing your account
`is now easier than ever.
`Managing your account onlineis
`;
`ine
`i
`
`
`fast and easy. Pay your bills, set up
`
`
`alerts and more — on the go.
`.
`Sign up for online account
`
`
`management at searscard.com
`
`
`Acne TRON TIED
`Pies eee
`AC EIT
`
`LINDA M ABRAMO
`112 GILLOTTI RD
`NEW FAIRFIELD, CT 06812-2528
`
`SEARS GREDIT CARDS
`PO BOX 70604
`PHILADELPHIA, PA 19176-0604
`
`EXHIBIT A
`
`02100 gL2eo0000 0425516 o020000 ee 32 1919
`
`

`

`information About Your Account.
`How to Avoid Paying Interest on Purchases. Your payment due date [s at least 25 days
`after the close of each billing cycle. We will not charge you any interest on purchasesif 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 everybilling cycie.if you do not, you will not get a grace period until you
`pay the New Balance for two billing cycles in a row, We will begin charging interest on cash
`advances and balancetransfers(if available on your account) on the transaction date.
`It you have a balance subject ta a deferred interest promotion anc that promotion does not
`expire before the paymentduedate, that balance(an “excluded balance*)is excluded from
`the amount you must pay in full to get a grace period ona purchase balance other than an
`excluded balance. In addition,if you have a major purchase plan balance, that balance (an
`“excluded balance”) is excluded from the amount you must pay in full to get a grace period
`ona purchase balanceother than an exciuded balance. However, you muststill pay any
`separately required payment on the excluded balance. Inbilling cycles in which paymentsare
`aliocated to deferred interest balancesfirst, 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,other than an exciuded balance, so lang as you pay the New Balance(less any
`excluded balance, plus any separately required payment on an excluded balance)in full by
`the payment due date each billing cycle.
`in addition. certain promotionaloffers 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 payall or a portion of the promotional balance by the payment
`duedate.If either is the case, the promotionaloffer will describe what happens.
`How We Calculate Your Balance Subject to interest Rate. We use a daily balance method
`(including current transactions) to calculate interest charges. To find aut more information
`about the balance computation method and how the resulting interest charges were
`determined, contact us at the Account inquiries number on the front.
`Balance Transfers. Balance transfer amounts are included in the “Purchases”ling in the
`Summary of Account Activity (if balance transfers are available on your account).
`Other Account and Payment Information.
`Payment Amount. You may pay all or part of your account balanceat any time. However.
`you mustpay, by the payment due date.at least the minimum payment due.
`When Your Payment Will Be Credited. it we receive your payment in proper form at our
`processing facility by 5 p.m, tocal time there,it will be credited as of that day. A payment
`received there in properform after that time will be credited as of the next day. Allow 5
`to7 days for payments by regular mailto reach us. There may be 3 delay of up to 5 days
`in crediting a payment wereceivethat is notin proper form oris not sentto 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 shownin the Express Mail section.
`Proper Form. For a paymentsent by mail or courier to be in proper form, you must:
`* Enctose a valid check or money order. No cash, gift cards, or foreign currencyplease.
`+ Include your name and thelast four digits af your account number.
`Payment Other Than By Mail.
`+ In-Store (Where Avallabie). 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.
`Notall stores accept payments, Contact yourlocal store to seeif in-store payments are
`accepted at that location.
`Online/AutoPay. Go to the URL on Page } of your statement to make a paymentonline.
`You can also enroll in AutoPay and have your payment amount automatically deducted
`each month from the payment account you choose.
`« Phone. Calf the number on Page 1 of your staternent 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 paymentbycalling us at the Customer Service numberat the top of
`Paget within the time period disclosed to you on the phone. Thereis no fee for making a
`paymentusing our automated voice response system.
`
`> Agent-Assisted Phone Payments.if you call us to make a payment with the assistance
`of alive agent, the payment will be applied the same day andyouwill be charged a $5.00
`agent expedited paymentfee.
`> Express Mall. Send payment by express mali to: Consumer Payrnent Dept, 6716 Grade
`Lane, Building 9, Suite 910, Louisville, KY 40213.
`+ Crediting Payments other than by Mall. 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 accountas 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 fe complete
`your payment by alectronic 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 recelve the check. Also, the
`check will be destroyed.
`Credit Reporting Disputes. We may report Information about your account to credit
`bureaus. tf you think we reported inaccurate information, please write us at: Credit Bureau
`Dispute Veritication, P.O. Box 6217, Sioux Falls, SO S7117.
`Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on
`Page}.
`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 yourletter, give us the following information:
`1. Account information: Your name and account number.
`2. Dollar amount: The dollar amountof the suspected error.
`3. Description of Problem: if you think there is an error on yourbill, describe what you believe
`is wrong and why youbelieveit is a mistake.
`You must contact us within 60 days after the error appeared on your statement.
`You mustnotify us of any potential errors inwriting. You may cali us, but if you do we are not
`requiredto investigate any potential errors and you may have to pay the amountin question.
`While we investigate whether or not there has been an error, the following are true:
`+ We cannottry to collect the amountin 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 amountin question or anyinterest or other fees related to that amount.
`+ While you do not have to pay the amountin question, you are responsible for the
`remainder of your balance.
`+ We can apply any unpaid amount against your credit limit.
`Your Rights Hf You Are Dissatisfied With Your Credit Card Purchases. if you are
`dissatisfied with the goods orservices that you have purchasedwith yourcredit card, and
`you havetried 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 usethis right, all of the following mustbe true:
`}. The purchase must have been made in your homestate 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 companythat sold you tha goodsor 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
`quality.
`3. You must not yet havefully paid for the purchase.
`{f all of the criteria above are met and you arestill dissatisfied with the purchase, contact us
`in writing at the address for billing errors and customerservice inquiries shown on Page } 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 25 delinquent.
`SMC/TGVSCCASCPMIPs FEB20
`
`ACE -39-0-67 Y0-P- - -0-N4E-7-
`JAl- ME - 1238-5300-0002 -/B/- EM - 8 - STYNOFEE- -
`UGI-N« +
`+ THO+ -G4IQ-VWU-N- -0- 0+ - Ne ~~ © 24018 - +0721
`
`-N- © 402-0-0 /F/ OV/28/22 - 02/01/94 - 235 - January 28, 2022
`
`Page 2 of 6
`
`Please provide change of address and update/add your
`phone numbers’here: (Use blue orbiack ink.)
`
`*Cell:
`
`“Home:
`
`“Phone: Bygiving 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: eg732
`
`TRANSACTIONS
`Trane Date Description
`FEES
`‘
`
`02/25
`LATE FEE
`3
`40.00
`TOTAL FEES FOR THIS PERIOD
`$
`40.00
`
`Reference #
`
`Amount
`
`INTEREST CHARGED
`02/25
`INTEREST CHARGE ON PURCHASES
`TOTAL INTEREST FORA THIS PERIOD
`
`-
`
`.
`
`$
`$
`
`80.80
`80.80
`
`
`
`
`
`
`$80.00
`Total Fees Charged in 2022
`$164.83
`
`
`
`Total Interest Charged in 2022
`
`ACTIVITY AND PROMOTIONS DETAIL
`
`Purchases,
`Original
`Promotion
`Deferred
`Promotion
`Cash Adv,
`Payments
`Promotion Promo
`Expiration
`Interest
`Minimum
`New
`interest
`Fees &
`& Other
`Previous
`Trans
`Trans
`
`Amount__Date Balance Credits Other Debits Charged Balance PaymentDue Charges Date
`
`
`
`
`
`
`
`
` PURCHASES
`REGULAR
`
`:
`$4,134.36
`:
`$40.00
`$80.60
`$4,255.16
`:
`-
`
` CASH ADVANCES
`REGULAR
`
`TOTAL
`
`$4,334.36
`
`$0.00
`
`$40.00
`
`$80.80
`
`$4,265.16
`
`$0.00
`
`$0.00
`
`Your Annual Percentage Rate (APR) is the annual interes! rata on your account.
`
`BalanceSubject.telaterestRate
`interest Charge
`“AnngalPercentageRate (APR)
`
`(D} = Dall
`
`REGULAR
`CASH ADVANCES
`REGULAR
`Vv) = Vartable Rate
`
`25.24% (DV)
`
`27.15% (DV
`
`$4,173.17
`
`
`
` THANKYOU POINTS EARNED ON SEARS MASTERCARD
`ThankYou Member ID
`Base 1X on purchases
`
`
`Points Earned This Billing Cycle
`
`
` Visit thankyou.com or call 1-800-THANKYOU (842-6596)
`(TTY: 711) to redeem points or see full rewards details,
`
`
`Bonus Points may take one to two billing cyclas to appear on your statement. Pleasa referto|
`the specific terms and conditions pertaining to the promotion for further detalts.
`
`
`
`Page 3 of 6
`
`

`

`Account:ea732
`
`THIS PAGE INTENTIONALLY LEFT BLANK
`
`Page 4 af 6
`
`

`

`PahoaaedesaGk
` « We'll send you a text to confirm your payment.
`
`* Want a quick new way to pay your Sears Mastercard” bilf?
`Text the word PAY to 38911 with your cell phone on your account
`online at www.searscard.com.
`
`* We will confirm your identity when you text and then ask you how
`much you want to pay & which payment account** you want to use,
`
`“Message and Data rates may apply.
`**Payment account Information must be on www.searscard.com ta take advantage of pay by text — feature is not available for debit
`card payments.
`.
`Mastercard® is a registered trademark, and the circles design is a trademark design of Mastercard International incorporated. Sears cards
`are issued by Citibank, N.A. Sears is a registered trademark and is used underlicense from Transform SR Brands LLC.
`463
`
`Check your ThankYou®
`Points balance.
`
`Simply log on to thankyou.com 737
`
`Rememberto check your ThankYou
`Points account balance regularly and
`redeem them for amazing rewards.
`
`Page 5 of 6
`
`

`

`THIS PAGE INTENTIONALLY LEFT BLANK
`
`Page 6 of 6
`
`

`

`sears @
`Mastercard’
`
`Summary of Account Activi
`
`Customer Service:
`
`©) scerscard.com
`
`Account inquiries:
`1-800-669-8488 (TTY: 711)
`
`Account Statement
`Send Notice of Billing Errore and Customer Service inquiries to:
`SEARS CREDIT CARDS
`PO Box 6282,SiouxFalls, SOD 57117-6282
`
`+$29.00
`+$72.64
`$3,534.15
`
`$102.00
`$4,500.00
`965.00
`$42.00
`
`
`
`
`Statement Closing Date
`Next Statement Closing Date
`Daysin Billing Cycle
`
`08/29/2021
`09/28/2021
`31
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`Fees Charged
`
`Interest Charged
`
`
`New Balance
`
`Past Due Amount
`Credit Limit
`
`Available Credit
`Cash AdvanceLimit
`
`
`
`
`
`
`Payment Information
`New Balance
`Minimum Payment Due
`September 25, 2021
`Payment Due Date
`Late Payment Warning: If we do not receive your minimum payment by the
`dats listed above, you may haveto payalate fee up to $40,
`Minimum Payment Warning:
`!f you make only the minimum payment each
`period, you will pay more In interest andit will take you longerto pay off your
`balance. For example:
`
`
`
`$5,075
`(Savings=$4,061)
`Ht you would like information about credit counseling services, call 1-877-337-818
`(TTY: 714).
`
`New York residents may contact tha New York Stata Dapartmentof Financial Services by telephone, 1-800-342-3736,orvisit its website, www.dis.ny.gov,
`for free information on comparative credit card rates, fees and grace periods.
`
`Your account !s past due
`Please make at least your minimum payment within this billing period to avoid any additional fees thal may apply.
`You can avoid missing payments with automatic payments and stay on top of your accountactivity with Alerts.
`» Visit us online or call us at 1-866-518-9055 (TTY: 1-800-926-5818 for hearing and speech impalred services only).
`.
`Hours of operation: Monday - Friday: 8:00 a.m. to 11:00 p.m. ET
`Saturday : 8:00 a.m. to 8:00 p.m. ET Sunday: 9:00 a.m. to 8:00 p.m, ET
`We're available to assist you with your account.
`
`PLEASE SEE [MPORTANT INFORMATION ON PAGE2.
`
`Page 1 of 6
`
`This AccountIs Issued by Citibank, N.A.
`
`ME 19
`
`4__Pleasedetach andreturnlower porilonwith yourpayment,toensure propercredit. Relainupper portionforyourrecords. _
`Your Account Numberts §QgRRRBpENT732
`
`citi
`
`PO BOX 6286
`SIOUX FALLS, SD 57117-6286
`
`Statement Enclosed
`
`
`
`
`
`
`
`
`Managing your account
`
`is now easier than ever.
`accountonline is
`Managing your
`fast and easy. Pay yourbills, set up
`alerts and more — on the go.
`Sign up for online account
`management a
`
`
`
` t searscard.com
`
`Payment Due Date
`New Balance
`
`Past Due Amount?
`
`Minimum Payment Due
`
`September 25, 2021
`$3,534.15
`$102.00
`$239.00LF
`
`trast Due Amountis included in Ihe Minimum Payment Due.
`Please print address changes on the reverseside.
`Make Checks Payable tow
`
`
`
`
`LINDA M ABRAMO
`112 GILLOTTI RD
`NEW FAIAFIELD, CT 06812-2528
`
`SEARS CREDIT CARDS
`PO BOX 70604
`PHILADELPHIA, PA 19176-0604
`
`EXHIBIT B
`
`02100
`
`0023500 0353415 0020000 ese 1517
`
`

`

`Information About Your Account.
`How to Avoid Paylng Interest on Purchases. Your payment due dateis at least 25 days
`after the close of eachbilling cycle. We will not charge you any interest on purchasesif you
`pay your New Balanceby 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 Batance by the
`payment due date everybilling cycle. If you do not, you will not get a grace period until you
`pay the New Balancefor twobilling cycles in a row. We will begin charging interest on cash
`advances and balance transfers (if available on your account) on the transaction date.
`if you have a balance subject to a deferred interest promotion and that promotion does not
`expire before the payment duedate, that balance (an “excluded balance”) is excluded from
`the amount you mustpayin full to get a grace period on a purchase balance other than an
`excluded balance.In addition, if you have a major purchaseplan balance, that balance (an
`“excluded balance”) is excluded from the amount you mustpayin full to get a grace period
`on a purchase balance other than an excluded balance, However, you muststill pay any
`separately required payment on the exciuded balance.in billing cycles in which payments are
`allocated to deferred interest balancesfirst. 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, other than an excluded balance, so long as you pay the New Balance(less any
`excluded balance, plus any separately required payment on an excluded balance) in full by
`the payment due date each billing cycle.
`in addition, certain promotional offers may take away the grace period on purchases.
`Other promotionaloffers not described above may aiso allow you to have a grace period on
`purchases without having to payall or a portion of the promotional balance by the payment
`duedate.If either is the case, the promotionaloffer will describe what happens.
`How We Catculate Your Balance Subject to Interest Rate. We use a daily balance method
`(including current transactions) to calculate interest charges. To find out moreinformation
`about the balance computation method and how the resulting interest charges were
`determined, contact us at the Account Inquiries numberon the front.
`Balance Transfers. Balance transfer amounts are included in the “Purchases”line in the
`Summary of AccountActivity (if balance transfers are available on your account).
`Other Account and Payment information.
`Payment Amaunt. You may payafl 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 Cradited. if we receive your 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 therein proper form after that time will be credited as of the next day. Allow 5
`to 7 days for paymentsby regular mail to reach us, There may be a delay of up to S days
`in crediting a payrnent we receive thatis not in proper form oris 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 mailis shownin 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. No Cash, gift cards, or foreign currency please.
`+ Include your name and thelast fourdigits of your account number.
`Payment Other Than By Mail,
`+ In-Store (Where Available). Any paymentin proper form accepted in-store will be
`credited as of that day. However, credit availability may be subject to verification of funds.
`Notall stores accept payrnents. Contact yourlocal store to see if in-store payments are
`accepted atthat location.
`Online/AutePay. Goto the URL on Page1 of your statement to make a paymentonline.
`You can atso enroll in AutoPay and have your payment amount automatically deducted
`each month from the payment account you choose.
`« Phone, Call the number on Page t of your statement to make a payment by phone.For
`phone payments, you authorize us to electronically debit your specified bank account by
`aq ACHtransaction in the amount and on the date that you indicate on the phone. You
`may cancel a phone paymentby calling us at the Customer Service numberat the top of
`Page1 within the time period disclosed to you on the phone. Thereis no fee for making a
`paymentusing our automated voice response system.
`
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`+ Aqent-Assisted Phone Payments.If you call us to make a payment with the assistance
`of a live agent, the payment will be applied the same day andyou will be charged a $5.00
`agent expedited paymentfee.
`+ Express Mail. Send payment by express mail to: Consumer Payment Dept., 6716 Grade
`Lane, Building 9, Suite 910, Lauisville, KY 40213.
`* Crediting Payments other than by Mail. The payment cutofftime for Online bill
`payments, Phone payments, and Express Mail paymentsis midnight Eastern time. This
`means that we will credit your accountas 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 recelve the check. Also, the
`check will be destroyed.
`Credit Reporting Disputes. We may report information about your accountto credit
`bureaus. if you think we reported inaccurate information, piease wrile us at: Credit Bureau
`Dispute Verification, P.O. Box 6217, Sioux Falls, $D 57117.
`Report a Lost or Stolen Card immediately. Call the Account Inquiries number shown on
`Paget.
`What To Deo If You Think You Find A Mistake On Your Statement.If you think there is an
`error on yourstatement, write to us at the address for billing errors and customer service
`inquiries shown on Page 1 of your statement.
`in yourletter, give us the following information:
`1, Account information: Your name and account number.
`2. Dollar amount: The dollar amountof the suspected error.
`3. Description of Problem:if you think there ls an error on yourbill, 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 inwriting. 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 cannottry to collect the amount in question, of 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 arnountin question or any interest or otherfees 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 appiy any unpaid amount against your credit lirmit.
`Your Rights If You Are Dissatisfied With Your Credit Card Purchases.if you are
`dissatisfied with the goodsof services that you have purchasedwith 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 usethis right, all of the following must be true:
`1. The purchase must have been madein your homestate or within 100 miles of your current
`mailing address, and the purchase price must have been more than $50. (Note:Neither of
`these are necessaryif your purchase was based on an advertisement we mailed to you, or
`if we own the companythat sold you the goods orservices.)
`2. You must have used your credit card for the purchase. Purchases made with cash
`advances from an ATM or with a check that accesses yourcredit card account do not
`qualify.
`3, You must not yet have fully paid for the purchase.
`if all of the criteria above are met and you arestill dissatisfied with the purchase, contact us
`inwriting at the address for billing errors and customer Service inquiries shown on Page 1 of
`your statement.
`While we investigate, the same rules apply to the disputed amountas discussed above. After
`we finish our investigation, we will tell you our decision. At that point, if we think you owe an
`amount and you do not pay, we may report you as delinquent.SMC/TGUSCCASCPHIPs FEB20
`-N~- -404-0-0 Fé 01/30/21 - 09/01/94 - 329 - July 20, 2021
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`Please provide change of address and update/add your
`phone numbers’here; (Use blue orblackink.)
`
`“Cell:
`
`“Home:
`
`“Phone: By giving us a cell number or a numberlater converted to a
`cell number, you agree that we or our service providers can contact
`you at that numberby autodialer, recorded or artificial voice, or a text.
`Your phone plan charges may apply.
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`Account:
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`Please note that if we received your pay by phone or online payment batween 5 p.m. ET and midnight ET onthe last day of yourbilling period, your
`paymentwill not be reflacted until your next statement.
`
`Please update your phone number, including call phone number on the back of the payment coupon.
`
`TRANSACTIONS
`Trans Data Description
`Reterence #
`Amount
`157.73
`08/02
`METRO ROOFING SUPPLIES 2144914149 CT
`52708086P26KK8YDA
`$
`30.42
`08/14
`JIM BARBARIE S RES