NEW BRITAIN ¢.D. SMALL CLAIMS SESSION
`AT NEW BRITAIN
`
`Our File No.
`
`(SERGE BEIT VBL ECE ETEBU
`500005617068
`1307271
`
`CITIBANK, N-.A.
`
`~against -
`
`LORRAINE M ALBERT
`
`Plaintiff,
`
`Defendant.
`
`Index No.
`
`COVER SREET
`TO BE ATTACHED
`AFFIDAVIT OF MERIT
`
`

`

`CITIBANK, NLA.
`
`¥S.
`LORRAINE M ALBERT
`
`Piaintiff,
`
`Defendant.
`
`Case No.
`
`Affidavit of Debt
`
`STATE OF KENTUCKY
`
` )
`) ss,
`)
`COUNTY OF BOONE
`Before ma, the undersigned authority, personally appeared the person identified below, who being by me duly swom, deposed
`as follows:
`tam of sound mind, lawful age and capable of making this Affidavit. The statements
`.
`Robert Twitty
`My nameis
`set forth in this affidavit are true and correct based on my personal knowledge and review 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.
`_ bam employed by Citibank. My jobtitle is Document Control Officer. My employment duties 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 $88, which is the subject ofthis lawsuit (the
`"Account". AS a result, | arn competentto testify fo the matters stated herein.
`
`. Citibank is the onginator of the Account.
`
`Citibank’s records regarding the Account contain the name and billing 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 which are 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 4/20/2019 to 5/21/2019 that was sentto the defendant (the “Account Staternent’).
`The Account Information reflects that charges were made on the Account to purchase goods and services and/or obtain cash
`advances. Defendant was provided periodic billing 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
`Exhibit(s} A is business records reflecting information created and maintained by Citibank, in the course of regularly conducted
`business activity, and are part of the regular practice of Citibank to create and maintain such information, and also were made at the
`time of the act, transaction, occurrence or event or within a reasonable time thereafter.
`As reflectad in the Account information, defendant did eventually fail to make required payrnents on the Account.
`
`As a result of defendant's failure to make proper payments on the Account, defendantis presently in default on the Account.
`
`The Account Infarmation shows that the Account Statementreciting the amountof the debt was sent to the defendanteither by regular
`mail or by efectronic mail. The attached Account Statement does not refiect any outstanding disputes on the Account.
`As reflected on the attached Account Statement, the balance on the Account is $4,579.92. After the attached Account Statement was
`send to the defendant, an additional payment or credit/debit was received on the Accountin the amount of $0.00. As of the date of this
`affidavit, the Account balance of $4,579.92 is due and owing.
`Citibank's records refiect that defendant opened and/or used the Account and, therefore, to the best of my knowledge, defendant is
`neither an incompetent, nor a minor.
`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 thedelinquent debtis owed.
`AilDocuments attached hereto aretrueandcorrectcopies ofthe originals:
`
`10.
`
`41.
`
`12.
`
`13.
`
`

`

`14. Based on my requiar and sustained use of electronic data housed in the plaintiffs computer system, | have personally observed that
`the plaintiff's computer system is reilable.
`
`i sclemnly affirm under the penalties of perjury and upon personal knowledge thatthe contents af the foregoing paper are true.
`
`EXECUTEDon hugust5 2014
`
`/
`
`! Wh
`
`Signature
`Robert Twitty
`
`Name
`
`STATE OF KENTUCKY =;
`} ss.
`3
`
`COUNTY OF BOONE
`
`Subscribed and swornto beforeme by
`
`RobertTwitty
`
`this 5 dayof
`
`Praty
`
`20 qG
`
`Ghote R Suds Aynt ly
`
`Notary Public
`oo
`My commission expires:
`
`.
`
`Aug0920202020
`
`Notary
`
`Christi
`.
`na R. Loudermitk
`P
`Stateatisige, Kentucky
`Commission Expires August, 2020
`
`OR
`Personally known
`Produced identification + _
`
`Type of identification produced:
`Citi Employee Badge
`
`

`

`
`
`LORRAINE M ALBERT
`
`MemberSince 2017 Account number ending inf{oe9
`Billing Period:04/20/19-05/21/19
`
`Customer Service 1-800-846-8444
`TTY-hearing-impaired services only 1-800-326-2865
`BOX 6500 SIOUX FALLS, SB S717
`
`www.citicards.com
`
`MAY STATEMENT
`4,579.92
`Minimum payment due:
`$4,579.92
`New balance as of 05/21/19:
`O6/1T/19
`Payment due date:
`Seefhe back of this statement for Important information about how to avoid
`paying interest on purchases.
`
`Account Summary
`Previous balance
`$4,452.30
`Payments
`“$0.00
`Credits
`-§6.00
`Purchases
`+$0.00
`Cash advances
`+§0.00
`Fees
`+535.G0
`
`
`Late Payment Warning:if we do not receive your minimum payment by theInterest£8922
`date listed above, you may have to pay a late fee of up to $35 and your APRs
`New balance
`$4,579.92
`may be increased up to the Penalty APR of 29.99%.
`Minimum Payment Warning:!f you make only the minimum payment each
`period, you will pay morein interest and it will take you longer te pay off your
`balance. For example:
`
`
`And you wilf end up
`You wilt pay off the
`{tf you make no additional
`paying an estimated
`balance shown on this
`charges using this card
`
`and each month you pay...|statement in about otal of...
`
` Onfy the minimum payment|1 months)
`
`Credit Limit
`Credit limit
`includes $600 cash advance timit
`
`$4,500
`
`For information about credit counseling services, call 1-877-337-8188.
`
`
`
`Savings.
`Spotlight
`Your Diamond Preferred Lifetime Savings:
`
`($858.05
`See page 3 to view your
`Savings Summary.
`
`) Pay online www.citicards.com
`©n so nape tanpaeeetee Minimum paymentdie
`-B00-B46-
`in
`New balance
`AY BY Prone 18008468444
`Pay by malt Use this cougan
`Payment due date
`* Enctose a valid check or money order payable
`to CITI CARDS, Ne cash or foreign currency.
`* Write the last four digits of your
`account number on your check.
`
`Amount enclosed
`
`Account number ending infpes
`
`$4,579.92
`$4,579.92
`O6/IT/I9
`
`CHTECARDS
`PG Box 70166
`Philadelphia PA 19176-0166
`
`EXHIBIT A
`
`GOO000 MC 34 A0
`
`LORRAINE M ALBERT
`75 MITCHELL ST
`BRISTOL CT 06010-7554
`
`15009 O457992 O4S799e 0005000
`
`S749 L515
`
`

`

`www.clticards.com
`
`LORRAINE M ALBERT
`
`Account Summary
`Trans.
`Past
`date
`date
`
`Gescription
`
`Fees charged
`Date
`_Description
`o5/al
`“LATEFEE- APRPAYMENT.PASTDUE
`Total fees charged In this billing periad
`
`interest charged
`Date
`Description
`
`OS/2t
`
`INTEREST CHARGED TO STANGARD PURCH
`
`Total interest charged in this bilfing period
`
`' 2019 totals year-to-date
`
`Customer Service 1-800-846-8444
`TTY hearing-impaired services only 1-G00-325-2865
`
`Page 2 of 2
`
`Amount
`
`Ameunt
`$35.00
`$35.00
`
`Amount
`
`$92.62
`
`$92.62
`
`$175.06
`
`fotal fees charged in 2019
`
`
`
`
`
`SavingsSpotlight -
`
`Your Citi® Diamond. Preferred?
`Savings Summary
`“Citi Diamond Preferred |
`Lifetime Savings
`
`@ Interest:
`
`$358.05
`
` ee
`
`for moreinformation about.
`: Savings Spotlight
`vm -
`Soa et
`
`Total interest charged in 2019[ $414.18
`
`i Interest charge calculation
`Daysin billing cycte:32
`| Your Annual Percentage Rate (APR)is the annual interest rate on your account.
`Annual percentage Balance subject
`i| Balance type
`rate (APR)
`to interest rate
`Interest charge
`
`;
`
` Standard Adv
`
`27.49% (¥}
`
`$0.00 (03
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed
`by (¥) may vary. Balances followed by (D) are determined by the daily bafance method
`(incuding current transactions}.
`
`Account messages
`SAVINGS SPOTLIGHT DETAILS
`
`INTEREST: If you have promotional balances an yaur account, we have
`estimated your savings. This savings is the difference between the interest
`that was assessed against the promotional balances using the promotional
`APRs and the estimated interest that would have been assessed against these
`same balances using the Enhanced Purchase APRs, This savings amount does
`not include any balance transfer fees. This savings is from yourbilling period
`covered by this statement.
`
`CITEEASY BEALS: If you made a purchase on Citi Easy Deals, your savings is
`the difference between the retail priceand the‘price You.paid.ThisSavingsis.
`from the prior calendar-mionthe
`rer
`CITEPRICE REWIND: If you received a Citi Price Rewind refund, savings is the
`refunded amount. This savings is from the prior calendar month.
`
`CIT] DIAMOND PREFERRED LIFETIME SAVINGS: The savings from interest,Citi
`Easy Deals and Citi Price Rewind since you became a Citi Diamond Preferred
`cardmember. This savings amount does not include any balance transfer fees.
`
`Minimum Payment Due includes past due amounts. Your account may be with
`a collection vendor and when you call our number, you may be referred to the
`vendor. You may reach us at the toll-free number shown above
`Monday-Thursday arn to 6 prn or Friday Bam to Spm, Central Time.
`1-BO0-846-8444. TTY 1-855-371-0353.
`
`©2018 Citibank, N.A.
`Citi, Citi with Arc Design are registered service marks of Citigroup inc.
`
`