4383509
`
`754264523
`
`PLAINTIFF'S AFFIDAVIT OF INDEBTEDNESS AND OWNERSHIP OF ACCOUNT
`
`Tam an Portfolio Support Specialists for Resurgent Capital Services, servicer for the current owner, LVNV Funding
`LLC (hereafter the "Plaintiff"), and hereby certify as follows:
`
`1.
`
`I have personal knowledge regarding Plaintiffs creation and maintenance ofits normal business records which includes
`the computer
`records of its accounts
`and corresponding receivables. This
`information is
`regularly and
`contemporaneously maintained during the course ofPlaintiffs business.
`
`2. In the regular course of business, Plaintiff acquires revolving credit accounts, installment accounts, service accounts
`and/or other credit lines or obligations. The records provided to Plaintiff in connection with such acquisitions are
`represented to include accurate information provided by the onginal creditor and/or subsequent owners, and that
`information is reliably incorporated into Plaintiff's business records. Such information includes the debtor's name and
`social security number, the accountbalance, the identity of the original creditor and the account number.
`
`3. Based on the business records maintained on account XXXXXXXXXXXXXX4148 and its corresponding receivables
`(hereinafter the "Account"), which are a compilation of the information provided upon acquisition and information
`obtained since acquisition,
`the Account was originated on 10/20/2018 by Comenity Bank and represents a valid
`obligation of Lamiya Edwards.
`
`4. Plaintiff is the current owner of the Account. Plaintiff's business records indicate that subsequent to the Accounts
`origination other owners of the Accountincluded:
`
`Comenity Bank
`Resurgent Acquisitions LLC
`
`5. On 03/31/2023 all ownership rights in the Account were assigned to, transferred to and became vested in Plaintiff,
`including the right to collect the current balance owing of $533.83 plus any legally permissible interest.
`
`6. To the best of my knowledge and belief, the Defendant is not a minor or mentally mcompetent person.
`
`7. Based on the business records maintained in regard to the Account, the above-stated amountis justly and duly owed
`by the Defendant to the Plaintiff and all just and lawful offsets, payments and credits to the Account have been
`allowed. Demand for payment was made morethan thirty days ago.
`
`8. All documents attached hereto are true and correct reproductions of the original business records maintained by
`Plaintiff.
`
`I affirm under penalty of perjury that the above facts are true and co
`Plaintiff's business records.
`
`
`the best of“A onthe
`
`Aviyana Lane-Suber
`02/14/2024
`
`The foregoing affidavit was signed to and subscribed before
`me this Wednesday, February 14, 2024
`
`
`
`otary Public)
`
`raCettsteva
`
`/12914
`
`VINCENT BORNER
`Notary Public-State of SouthCarolina
`My Commission Expires
`July 14, 2033
`
`

`

`$483.68
`Previous balance
`0,00
`Payments
`.
`0.00
`Othercredits
`Late payment warning:
`.
`0.00
`Purchases
`lf we do not recelve your minimum payment by 10/27/2020 you may
`
`
`
`
`
`Other debits toa$40.00late0.00 «~—ihavet fee. seoannniee
`
`
`Fees charged
`40.00
`Minimum payment warning:If you make only the minimum
`paymentfor each period, youwill pay moreIn Interest andit will take
`Interest charged
`10.17
`New balance
`$533.63
`you longerto pay off your balances. For example:
`
`
`Past due amount If you make no additional|You will pay off135.00 And you will
`
`
`
`Credit limit the balance shown|end up paying an}$250.00 charges using thls card
`
`
`Available credit and each month you pay:|on the statement|estimated total$0.00
`
`
`
`In about
`of;
`Statementclosing cale
`10/01/2020
`
`Daysin billing cycle Only the minimum payment|19 months30 - $651
`
`
`Forinformation regarding credit counseling services,
`call 1-800-284-1706.
`
`
`
`
`
`
`
`Summary
`Agcountno.
`
`of account activity
`waen_eemeoesAAR
`
`Payment information:
`New balance
`Minimum payment due
`Payment due date
`
`3
`$593.83
`$155.00
`10/27/2020
`
`PAGE 10F 4
`
`
`
`Skip signing in topay and useComenity's EasyPay. li's sete andconveniant. Use.
`
`our Sm@iahiphone caniera orcode
`
`reader to scan the QR code printed cn your payment stub below to gel started. —
`
`ge
`
`Details of yourtransactions
`TRANSDATE 1 TRANSACTION DESCRETIONAOCATHONaeacereserrsseereyessprreaserveecoreerrevanesneeranvasensesnseenqaenrgMOUNT
`Fees
`09/27/2020
`
`LATE FEE
`Total fees charged forthis period
`
`40.00
`$40.00
`
`Interest charged
`Interest charge on purchases
`TotalInterest for this pertod
`
`
`$10.17
`$10.17
`
`2020totals year to date
`$349.00
`Tolal fees charged In 2020
`
`Total interest charged in 2020 $65,96
`Interest charge calculation
`
`Your Annual Percentage Rate (APR)is the annualinterest rate on your account. See BALANCE COMPUTATION METHOD
`on page 2 for more details. Minimum interest charge may axceed Interest charge below, per your credit card agreement.
`TYPE OF
`BALANGE SUBJECT
`INTEREST
`BALANCE
`APA
`TO INTEREST RATE
`CHARGE
`Purchases priorto 02/01/2020
`24.9900% (v)
`297.49 (DA)
`4.88
`Purchases
`24,9900% (v)
`257.68 (DA)
`5.29
`
`ya
`xe
`3
`iteneiceaucceeee
`Effective November2, 2020, the cutoff tImes for payments to be credited on the same day when the
`Payments are made over the phone and online are changing. Telephone and online Account Center
`payments made by 6:00 pm Eastem Time will post on the same day. Please see the information provided
`on the back ofthe first page of your statement for more detalls about paymentcutoff times.
`
`(CONTINUED)
`
`——
`
`IPITINTK
`4
`,
`CL] Sha bastese*soctatene®™
`
`NOTICE Soa toverse eto torimporantionmation,
`Pleous tearn! porfcratlon above
`
`BanetekminA4 Ag
`
`
`eo
`New balance
`
`Minimum payment |
`
`
` $533.83
`$155.00
`
`934
`Payment must reach us by
`Ameunteneboek_S NET AnISENaE
`$
`~
`
`Please makecheck payable to:
`COMENTTY - VICTORIA'S SECRET
`
`fovea EN yyeloafeDpecg tag] feg[]feafegfetyt ye tpnfedpele ffl
`LAMIYA EDWARDS
`488 BROADVIEW TER
`HARTFORDCT 06106-3805
`
`Please return this portion along wih your paymentto:
`PO BOX 659728
`SAN ANTONIO TX 78265-9728
`
`PHU tLe TEL PL pgand taf peg DATE gyal fa] |Meat
`
`
`
`49905101 00011395 ~~]—Sinn LE
`1418?
`
`

`

`
`
`
`CREDIT REPCRTING. We tnay repert information about your account te
`What To De it You Think You Finu.A Mistake On Your Statement
`credit bureaus. Late payrrenits, missed payments, cr olher delaults on your
`accounl may be reflected in your credit report.
`Uf you think there is an errer eesyour stalurnent, willie to us at; Comentity
`NOTICE OF CREDIT REPORT DISPUTES
`Bank PO Box 182782, Columbus, Ohio 43218-2782.
`If you believe the account information we reported to 4 consumerreporting
`Inyeur letter, give us the tollowing iritormation:
`agency is inaccurate, you may subinit a direct dispule lo Comenity Bank PO
`* Account infurmativn: Your neme and accouril umber.
`Box 182789, Columbus, Ohio 43218-2789, Yourwritten dispute mus!
`* Dollar amount: The dollar amountof the suspected error.
`provide sulficien| intornation to identify the account and specify why [he
`intormation is inaccurate:
`* Description of Problem: \t you think there is an error on yourbill,
`* Account Information: Your name and accounl number
`describe what you believe is wrong and why yuu believeil is a mistake.
`» Contact Information: Your address and telephone number
`You must coritact us wilhin 60 days alter ihe error appeared on your
`staternent,
`© Disputed Information:Identity the account informaticn disputed and
`explain why you believa it is inaccurate
`You must nol{ly Let ot ary ootontial enmors in writing. You may callus, bul if
`* Supporting Documentation:If available, provide a copy ol the section of
`do.we grenot required fo inves!|gala any potential arrors and you may
`the credit report showing the account information you are disputing
`ave to pay the amount in question,
`Wewill investigate lhe disputed inlormalion and repert the rasulis lo you
`are true:
`within 30 days otreceipt of the injormation needed for our investigaticn.If
`ily we investigate whelher or not there has been an error, te following
`we tind thal (te account inlorrnalion we reported is inzccurate, we will
`© Wecarinoltry lo collect the amounl in question, or report you as,
`promptly provide the necessary correction to each consumerreporting
`delinquent on that amount.
`agencylo which we reported the infcrmalion.
`© Tho charge in question inay rernain en your slalement, and we may
`PAYMENTS MARKED"PAID IN FULL". Al! written communications regarding
`continue lo charge you interes! on that amounl. But, if we determine (hat
`disputed amounts that include any checkcr ther payment instrument
`we made a mistake, you will not have to pay the amountin questiun or
`marked wilh ‘payment in full or similal language, must be sent to: 6550
`anyinteresor other fees related to thal amount.
`North Loop 1604 East, Suite 101, San Antonio, TX 78247-5004
`* While you do not have lo pay lhe amount in question, you are responsible
`DO NOT USE HE ENCLOSED HEMI | TANCE ENVELOPE,
`for the remainder of your belance.
`- We may accepl paymentsentto any other address without Icsing any ol
`© We can apply any unpaid amountagainst your credit liinit.
`cur fights,
`- No paymentshall operate as an accard ard salistaction wilhoul prior
`Your Rights if You Are Dissatisfied With Your Credit Card Purchases
`‘waTitlen approval.
`It youare dissatisfied with the goods or services that you have purctrased
`CUSTOMER SERVICE. Visit comenily.net/vicloriassecretorcall
`wilh your creditcard, and you have tried in gacd tith to correct the
`1-800-695-9478 (TDD/TTY 1-8C0-695-1788),
`problem wilh tha merchant, you may have the righl not lo pay the remaining
`amount due on the purchase.
`TELEPHONE MONITORING. Io provide you with high-quality service, phone
`communication wilh us is monitored and/or recorded,
`To use this right,all of the followin: must be true:
`1, Jhe purchase must have bes] madajr your home slale or within 100
`ADDITIONAL INFORMATION. The tollowing designaticns, when appearing
`miles of your curren! mailing address, and the purchase price must have
`on the front of your statement, mean the following: ¥ meansvariable rate
`been mare (han $50), Uvate; Neither of these is necessary if your purchase
`(this rata aay vary); WV INT PAY RQ means WAIVE INTEREST, PAYMENT
`REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV
`owas based on 2n advertisement we mailed lo you,of if we own the company
`(hat suld you the goods or services.)
`INT LOW PMT means WAIVE INTEREST, LOW PAYMENT;DF INT PY RQ.
`2. You must have wed your cradil card for the purchase, Purchases trad
`means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means
`
`DEFER INTEREST, EQUAL PAYMENT; OF INT LOW PMT means DEFER
`with cash advances fram an /\{M or will a check that accesses your credit
`card accoun|do noi quality.
`INTEREST, LOW PAYMENT and LOW APR EQ PAY micans LOW APR, EQUAL
`3. You must not yet have lully paid tor the purchase,
`PAYMENT.If you have a variable rate eccount, your periodic tates may vary.
`You may pay all of your Account balance at any timo without penalty.
`If all of the crilerts above ure met and you arestill dissatislied with the
`purchase, coritact us in wating at: Comenity Bank PO Box 182782,
`Send al! inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus,
`Chio 43218-2273,
`Columbus, Ohio 43218-2782,
`White wa investigale, the saine rules apply to the disputed amount as
`Send all bankruptcy notices and related comespondence to Comenity Bank,
`dikcussed above. Alter we finish our investigation, we wil) lell you our
`Bankruptcy Department, PO Box 182125, Columbus, Ohio 43218-2125.
`decision. Ai that point, i! we think you owe an amount and you do not pay
`NOTICE ABOUT ELECTRONIC CHECK CCNYERSION. When you provide a
`we inay report you as delinquent.
`check as payment, you authorize us eilherto use information trom your
`HOW TO AVOID PAYING INTEREST, Your due date is ot loust 25 days alter
`check lo make a one-lime electronic fund transfer trom yous accountor to
`the close uf oaictbilling cycle, We will not chetye you interes! arr purchases
`Process the payment as a check transaction. When wo use information trom
`if you pay your entire balance by the dee date eachmanth, We will begin fo
`your check io make an electronic tund transfer, funds may be withdrawn
`change intent on new purchases made under’ Low APR, Equal Paynient
`trum your account 4s soonas (ha samo day we receive your payinent, and
`or Hudpe! Papinent Credit Plan from the date of purchase,
`you will not receive your check back tromyour financial institution.
`BALANCE COMPUTATION METHOD. We calculate interoal saparately for
`each balance using ihe methodt=) described below. The twa fetters in
`pateniliasatt rtat lo (he Balance Subjectto Interel Hale ¢oluenninthe
`fitetest (Chane Calculation section on this stalament correspondsto thecr=
`(DA) Wo Figure the interest charge on this balance by applying the periodic
`
`rate to the “daily balance” for cach day in the billing period. To get the
`lransactions and tees and subtract any payments or crecdits (treating eny net
`“dally balance” we teke the beginning balanceeect oe eidany raw
`credit balance as a zero balance), This gives us the daily balance.
`(ME) We figure Ihe interes! change on this balance by applying the periodic
`rats lo the “average dally balamee” for the billing pried.
`fo get the
`“aeerage daily bakance” wo take thn beyinning: balante each day, aed any
`ony net credit balance as a zero balance), This
`pives ua the dally balance,
`Now linsactions and tees and subtract aryeee or credits (treating
`Then,we geld up all the daily balances for ihe Gillin: perivd apd dlvpde the
`lolal by [he numberof days in the billing period. Ihis gives us the “average
`daily baJance.”
`
`
`
`
`
`PAYMENTS.Fayyour Accounlby the payment due date by the lime listed below, Il we do nol receive your paymentin a-cormect tonmut (outlined below)it
`may not be crevdiled to your Account for up to five iays, or may be rejected, Aisa, your paynient must reach us by the payment ciututl time that applies tu
`the payment method you select.
`Conect Format, Correct lonnat lor different payment ellieds ingludu:
`Sfailing or Gvermighh Send a personal check, money order, lenelur's check ox cable's check jsyatite in US. dollars,to the name and aduiess thown on
`thts Statement in the payment stud area containing your balance and minimum payment smount. Ba sure to include pour payment stub, de not staple ee
`clip your payment to the stub, include your account number on your chee, use the efwelope provided with your Statement, aed one payment wilh one
`Payment steb and Go nol send any correspondence with your payment, You should evemight a payment to 6550 North ood 1604 East, Suite 101, San
`Antonio, TX 78247-5004 and {he additional lormal requitaments aro the same as other mailed payments unless there isa dispute,in whith case you follow
`The Payments Marked ‘Paid In Full* section abore. Da not sand castor pitt cuntificas, Pay Sy Phone: You can call uy tell tee at 1-800-695-9478
`1-800-655-1788) to muh 3 payment by telephone, which may Include a tee, Online: You can makeapayment online at
`comenity.netvictorinssacret, #i-sfare: You car make payments inskae,
`following times: Mailingand Qvemight: By 6:00 pm Easter Thine (£1);
`ay
`is
`By Phones By 8:00 pin (ET); Online: By 8:00 pm (E
`and Ja-steat: By the time
`Payment Cutef! Times. Fayment cutoll tinpesdeadlines fer us tp reelvepamnenis zre by the dur date on this Slatememt in the ponent stub area al the
`fhe stove closes at [he location you make your payment.
`NewInformation
`
`sit jt, AM
`First Name
`Title (optional)
`
`Last Name Soc. Sec. No,aepee
`
`SSS ee
`Street Address
`Apt No RAL __. PO Box
`
`
`State . ZipCode__Foreign MapCoda__
`City
`Home Phone ___
`Work Phone
`Email Address
`
`44
`
`14
`
`87
`
`

`

`
`
`"PAGE3OF4
`
`-
`Additional Important messages = continued”
`IMMEDIATE ATTENTION REQUIRED! Your Accountis extremely past due and will be written off as a
`bad debtat the endof this month. To avoid this, you can pay the Minimum amount shown onthis
`statement before the end of thls month.If you are not able to pay the Minimum Payment amount, wewill
`still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089
`(TDD/TTY 1-800-695-1788) and wewill find a sultable payment before the end of this month.If written off,
`the bad debtwill be reported to the three majorcredit bureaus and our Recovery team will determine the
`appropriate steps, as permitted and available under applicable !aw,to protectourinterests.
`
`Protect yourself against mail and phone consumerfraud.
`http/about.usps.com/publications/pub281/welcome.htm
`
`14187
`
`49905101
`
`00013356 SSS SS
`
`

`

`
`
`
`
`
`14187
`
`PAGE 4 OF 4
`
`
`
`

`

`
`
`
`IOPINK ANGEL!
`- WE SENT APERFPREZZIEYOUR WAY
`—
`JUST FOR BEING AN ANGEL CARDHOLDER.
`©
`
`DAY SURPRISE, COMING SnOHt
`REEPAWEYE OUT FoR YOUR
`Eee [enpertant interna
`+
`‘aerator torchebatlst
`-—-
`
`
`PAGE 10F 4
`
`Summiary of account activity
`Account no.
`ownwean_oeme9319
`
`Payment information
`New balance
`Minimum payment due
`Payment due date
`
`$207.05
`$35.00
`3/27/2020
`
`Previous balance
`$256.99
`Payments
`55.00
`Other credits
`Late payment warning: i
`0.00
`Purchases
`Ifwe do not receive your minimum paymeni by 09/27/2020 you may
`0.00
`Other debits
`CeeENOeGCees mossmneasnummmszcannenns
`Fees charged
`0.00
`Minimum payment warning:If you make only the minimum
`Interest charged
`5.06
`paymentfor each peried, you will pay morein interest andit will take
`New balance
`$207.05
`
`you longer to pay off your balances. For example:
`Pas! due amount
`0.00
`
`It you make no additional|You will pay off And you will
`
`
`
`charges using this card
`the balance showm| end up paying an
`Credil limi!
`$250.00
`
`
`and each month you pay:
`on the statement
`estimated total
`Available credit
`$42.95
`
`
`
`
`
`
`In about:
`of:
`{
`Slatementclosing date
`03/01/2020
`
`
`
`Daysin billing cycle | Only the minimum payment|7 months29 $225 |
`
`
`
`For informaitlon regarding credit counseling services,
`call 1-800-284-1706.
`_——
`;
`Account Questions? Needto make @ payment?Wantto.knowhow,to gopaperless?
`
`Visit WSAngelCard.com or call 1-800-695-9478'(TDD/TTY
`1-800-695-1768), Wanttostay In the knowwithcredit tps
`
`and mews?Visitus at-facebook.convaskcomanity of at twitter comiaskeamenity.
`Angel Gard Account Summary :
`
`Re
`Rewards Summary Don't miss oul! Update your emallal_|ANGELS ARE FIRST!
`
`Currenttotal points*: 61
`VSAngelCard.com to getthefull
`Get exclusive offers, event
`
`Polnts to next reward: 189 eeeeuexctenve Angels-only offers|invites and early access to major
`sales throughoutthe year, Sign
`up for emails at
`VictoriasSecret.com/email so
`Receive a $10 reward within 3-6
`weeks for every 250 points
`you don’t miss out.
`
`| earned!
`
`
`
`
`
`Detalls of your transactions
`TRANS DATE
`TRANSACTION DESCARIPTION/LOCATION
`
`‘1
`
`02/21/2020
`Fees
`
`PAYMENT-THANK YOU
`
`Total fees charged for this period
`
`AMOUNT
`
`-55,00
`
`$0.00
`
`-
`ee ie leah ichreerae aera
`$5.06
`interest charge on purchases
`
`Total Interestfor this period $5.06
`2020totals year to date
`Total faes charged In 2020
`Total Interest charged in 2020
`
`coe
`
`oe
`
`$14.18
`
`$74.00
`
`eee
`
`NOTICE: Sea reverse side tar imponantinto marion
`Pieaes tear at pertoratlon abowe
`
`PINK
`
`]
`tz eat eaeyee my
`
`$
`
`Amountenclosed:
`
`Please make check payable to:
`COMENITY - VICTORIA'S SECRET
`
`—
`Account
`number
`Sennenore?-93919
`
`
`New balance
`Minimum payment
`
`
`
`$207.05
`$35.00
`
`
`
`993
`Payment must reach us by
`6 pm Ef on 02/27/2020,
`
`.
`
`|
`
`Eel LEC LLM ef TESTA eT! eesti to aa apg PEN GN]
`LAMIYA EDWARDS
`488 BROADVIEW TER
`HARTFORD CT 06106-3805
`
`Please return this porticn along wilh your paymentto:
`PO BOX 658728
`SAN ANTONIO TX 78265-9728
`
`Ve faf]AUCDavvngycpeD ag Uf Ufo EPUEe fea] yfpegaty oy fg EY
`
`
`
`gO0405301 000130729 SSS|SELS SSSaaaa
`14187
`
`

`

`CREDIT REPORTING, Wer inay repert information about your ecouril lo
`credit bureaus. Lale paymnatits, missed payments, or olher defaully on your
`account may be reflected in your credit report,
`NOTICE OF CREDIT REPORT DISPUTES
`Ii you believe the account information we reported to a cansumerreporting
`2yency is inaccurate, you may subinit a direcl dispute to Cumenity Bank PO
`Box 182789, Columbus, Ohio 43218-2789. Your writlen dispute musi
`provide sulticient information to identity the account and specify why Ibe
`information is inaccurate:
`” Account Information: Your name and accaunl number
`© Contact Informaticn: Your address and telophone number
`* Disputed Information: Identily the accourit intornialion disputed and
`explain why you believe it is Inaccurate
`* Supporting Documentation: If available, provide a copy ol the section of
`ihe credit report showing the accountinformation you are disputing
`We will inestigate lhe disputed information and report the resulls to you
`within 30 days ol receipt of the information needed tor ourinvestigation.If
`we lind thal Ihe accuunlinfortnationwe reported is inaccurate, we will
`promptly provide the necessary correction to each consumer reperting
`agency to which we reported the information.
`PAYMENTS MARKED “PAID IN FULL". All wrilten communications regarding
`Uiaputed gnvounlsthat include any check or alher paymentinstrutnent
`marked with “payment in lull" of similar language, mus! be sent lo: 6550
`NortLoop 1604 East, Suile 101, San Antonio, TX 78247-5004.
`DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE,
`- We may accopl payment sent to any other address without losing any of
`our rights.
`~ No payrmant shall operate as an accord and satislaction without prior
`writheii ispprereatl,
`CUSTOMER SERVICE. Visit ysangelcard.com or call 1-800-695-9478
`CTOD/TTY 1-800-695-1768).
`TELEPHONEMONITORING, To provide you with high-quality service, phone
`commanication with us is mariteres andidr recortedt,
`ADDITIONAL INFORMATION. The following designations, when-appraring
`on the front of your statement, mean the tollawing: V means variable rate
`(this rate tay vary); WY INT PAY RQ maans WAIVE INTERT:ST, PAYMENT
`REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV
`INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ.
`mearis DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means
`DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
`INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL
`PAYMENT.If you have a variable rete account, your periodic rates may vary.
`You may pay ail of your Account balanceat any time without ponalty.
`Sendall inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus,
`Chio 43218-2273,
`Send all bankruptcy notices and related correspondence to Comenity Bank,
`Bankrupicy Depariment, PO Box 182125, Columbus, Ohio 43218-2125,
`NOTICE ABOUT ELECTRONIC CHECK CONVERSION. Whenyou provide a
`check as payment, you authorize us eitherlo use information Irom your
`check to make a one-time electronic fund Iransfer from your accauntor to
`Process ihe payment as a check transaction. When wo usa information [rom
`your check lo make anelectronic (und Wansfer, funds may be withdrawn
`(rom your account as soan as the sume day wa receive your paymonl, and
`youwill nol receive your check back [ium yourfinancial institution.
`
`
`
`Keepthis portion for your records.
`What To Do If You Think You Find A Mistake On Your Statement
`If you thitik there is an error on your statertient,wile 10 us al; Comenity
`Bank PO Box 182782, Columbus, Cnio 43218-2782,
`In your Jelter, give us the lallowing information:
`* Accountinformation: Your name and account number.
`* Dollar amount: The dollar amount of the suspecled error.
`° Description of Probleny \I you think there is an error on yourbill,
`describe what you believe is wrong and why you believe it is a mistuke.
`You tnust contact us within GO days afler (he ericr appearad on your
`statement.
`You mus! nolily us of any putential errors fp weitiy:, You may call us, but if
`yau de we are rot required to investigale any potential error and you may
`have bo peay the amount in questian,
`While we investinate whother or not there has been an error, Uie following
`are true:
`We cannottry to collect the amount in question, os reporl you as
`delinquent on that amount.
`© The charge in question may remain on your statement, and we may
`conlinue to charge you interest on thal amount, But, i? we determine lhal
`we made a mistake, you will not have to pay the anicunt in questign ur
`anyinterosl or olher lees related to that amount.
`* While you do not have to pay the amountin questiun, you are responsible
`for the remainder ol your balance.
`© We canapply any unpaid amount against your credillimit.
`Your Rights if You Are Dissatisfied With Your Credit Card Purchases
`If you are divsultistied with the poods or cerviegs |hat you have purchased
`with your ctedit card, and.you have tried in good faith to correct the
`problem with tha merchant, you may have the tight not to pay the remaining
`amauny dug on the purctise,
`To use (his right, all of the tullowing must be Irue:
`1. The purchase must have been made in your hume state or within 100
`miles of your current mailing address, and the purchase price must have
`been mort (han S50). (vere, Heilher ol these is necessary il your purchase
`was basad on ay advertisement we mailed to you, pr \P sat own lhe company
`that sold you the goods or services)
`2. You mus! have used your credit card for Ue purchase, Purchases mace
`with cash advances [rom an ATM of wilh a check that accesses your credi!
`¢ard secount do not quality.
`3. You must not yel have fully paid ler the purchase.
`IC all of Ihe eriteria above are met and you arestill dissatislied with Ube
`purchasa, contact is. ip ieriting at: Conisnity Bank PO Box 182782,
`Columbus, Ohio 492 2782,
`While we investigate, ike same rules apply to the disputed ainount as
`
`discussed above. Altér we linistreut investigation, we will tell you our
`decision, At thalpoint, if we think you owe an amount and you do not pay
`we may reporl you as delinguent,
`POW TO AVOID PAYING INTEREST. Yuut due date is af freed 25 days af ler
`the close of eachbillig cycle. We will not chars you inferust on purchases
`i you pay your entire balance by the dye date cach month, We will begin to
`clatge inturest on new putchursiss made under a Low APH, Equal Sayrert
`or Budget Payment Credit Plan Irom the dale of purchase.
`BALANCE COMPUTATION METHOD, We calculate interest separately lor
`each balance using tee methods) described below, The two lelters in
`parentheses neat lo the Balance Subject to Interest Rale column in ihe
`jal
`twang:
`ihlerest Charge Calculation section on this statement correspondsto the
`(OA) Wie figure the interest charge on this batance by applying We periodic
`rate to the “dally balance” for each day. in the billing period. Jo get the
`“daily balaricu" we take tha beyinining bulante each dey, ark any new
`transactions and tees end subtract any payments oe credits (lrealing any net
`eredit balance 95a roto balance). This gives ys the daily balance,
`(MC) We lipure tH interest change an this balance by applying (he periodic
`rate to. the “average daily balance” fer the billing peice, Te pet tne
`“average dally balunce” we take tbe bevinning balence eachcay, edd any
`new tatsactives and tees and subtract any payenits ot credity (eating
`any nat crodit balances 25a 20 balance),
`This gies us thar daily balence,
`Then, var edd up all the ctuily balances lor the billing: period and
`divide the
`total by the number of days in the billing period, This pives us the “average
`daily balance,"
`
`
`
`Account by the paymentdue date by the lime listed below, 11 we do not receive your paymentin a cerrect lormnat(outlined bestow) it
`PAYMENTS,Payyour
`inay fut be crediled to your Account tor up to live Wzys, of may be rejected, Als, your payment must react us by the payment cutull time thal apaties lo
`the payment method you sebect.
`Correct Format, Correct format lor ciliorent payment teethests inciutte:
`Mailing or Gvemight: Send a potsural chee, money ooler, (mweler’s check or coshier's check payable in U.S, delle, tv the name and aediess shown on
`this Staternent inthe payment stub qea containing your balance end minima Payment arount. Bé sure to include your payment stub, do not staple or
`clip your payment to the stub, include your eccounl nurniber un your check, wea Ihe envelope proviced wilh your Stalement, send one payment with ene
`PAYyMANL stub en¢ co not send any cordspendence with your payment. You should overnight a payment to 6550 North Loop 1604 East, Suite 101, San
`Antonio, TX 78247-5000 and the additional lone] requerements ere the same as other mailed payments unless there |ca dispute, in which cate you Jallow
`the Paynjents Marked "Paid In Full section abew, Do not send cost or gilt certilicetes. Pay By Phone: You can call us tall free al 1-200-695-9473
`(TDOVTTY 1-800-699-1728) tu make 2 paymiend by telephann, which may include a fee, Online: You cari make @ payment online al vsangelcard.com,
`fasten: You can inake payments in-store,
`Pi
`it Cutotf Times, Payment cutoll timesdesdtines for us lo terelve payments ore by (he due date on this Statementin the payment stub aiea at the
`the stowe clasts af |he-location you meke your payment.
`following times: ailing aed Ovemipht By 6.00 pm Eestem Time (ET); Pap Sy Frome: By 8.00 om (ET); Gavine: By 8:00 pm (ET); and in-store: By the time
`NewInformation
`—
`
`. First Name
`
`=
`
`a Ml
`Sec. Sec, No. _
`
`Title (optional)
`Last Name
`Street Addréss
`Apt. No.
`City
`Home Phone
`Ernail Address
`
`14187
`
`:
`
`“ue
`_—.._.. RR
`eees«State Zip Code
`Work Phone
`
`
`PO Box
`
`Foraign Map Code ___
`
`

`

` PAGE 3 OF 4
`
`Interest charge calculation
`Your Annual Percentage Rale (APR)Is the annualInterest rate on your account. See BALANCE COMPUTATION METHOD
`on page 2 far more details. Minimum interest charge may exceed Interesi charge below,per your credit card agreement.
`TYPE OF
`BALANCE SUBJECT
`INTEREST
`BALANCE
`APA
`TO INTEREST RATE
`CHARGE
`Purchasesprior to 02/01/2020
`26.4900% ()
`240.59 (DA)
`5.06
`Purchases
`26.4900% {v)
`0.00 (DA)
`0.00
`
`i
`Additional Important messages
`“This Information {s accurate as of the statement closing date provided onthisbilling statement. Please
`refer to VSAngelCard.com to get your most accurate and up to date balance. This rewards program Is
`provided by Victoria's Secret and its terms may changeat any time. For full Rewards Terms and
`Conditions, please see www.VictorlasSecret.com/vsangelrewardterms.
`
`‘This Information Is accurate as of the statementclosing date provided on this billing statement.
`
`*“Subject to crecit approvai. Limited to orders shipped within the United States only. Must add qualifying
`in-stock items totaling $50 USD(afterall clscounts are applied) to your shopping bag. Select Angel Credit
`Card as payment type. When prompted, enter offer coda ACSHIP5O at checkout, Standard shipping and
`handling chargeswill automatically be adjusted after offer code Is applied. Must use Angel Credit Card for
`offer eligibillty. Not valid on previous or store purchases.Angel Credit Card Accounts are Issued by
`Comenity Bank.
`
`*ForVictoria's Secret rewards program terms visit www.VictorlasSecrat.com/vsangeirewardierms.
`
`++ Must have made a purchasewithin the last 12 months and bein good standingto beeligible for
`benefits. Ellgibllity is determined two months prior to your birthday month. Accounts openedIn your
`binhday month or in the previous month will receive thefirst birthday offer the following calendaryearif
`eligible. US residents only. Offer can only be combined with Angel Rewards, You must use your Angel
`Credit Card to pay for any remaining balance when redeeming yourbirthdayglft.
`
`+++Must have valid email address and U.S. mailing address
`
`Did you know? You can easily add a family memberorfriend as an authorized buyerfor your Victoria's
`Secret Angel Card!It's just one way to spoll your loved one while reaping ihe rewards. And, you can
`choose between a Victoria’s Secret Angel Card or a PINK Angel Card design. Just access our secure
`customerservice website at vsangelcard.com or call our Customer Care Center at 1-800-695-9478
`(TDD/TTY 1-800-695-1788).
`
`Bethefirst to know! Sign up for emails at VictoriasSecret.conVangel-card.
`
`GO PAPERLESSand manage your accountonline!
`With paperless biltIng, you receive an email reminder prior to your payment due date. Get started today by
`visiting VSAngelCard.com
`STEP 1: Sign in or register your account. STEP 2: Select Go Paperless and sign up.
`
`Consumers are entitled ta one free credlt report per year. To request yours call 1-877-322-8228orvisit
`annualcreditreport.com
`
`14187
`
`00505101
`
`00010730 a |
`
`

`

`PAGE 4 OF 4
`
`
`
`
`
`
`
`14187
`
`

`

`Summary of account activity
`Account no.
`wewawaes_oere-9319
`
`Payment information
`New balance
`Minimum payment due
`Payment due date
`
`$246.91
`$50.00
`04/27/2020
`
`$207.05
`Previous balance
`0.00
`Payments
`.
`0.00
`Othercredits
`Late payment warning:
`If we do not receive your minimum payment by 04/27/2020 you may