Filing # 195404000 E-Filed 04/03/2024 02:35:27 PM
`
`16-2024-SC-006437-AXXX-MA Div: CC-H
`
`
`
`
`PORTFOLIO RECOVERY ASSOCIATES, LLC,
`
`Plaintiff,
`
`vs.
`
`JACQUELINE ADAMS
`
`Defendant.
`
`
`IN THE COUNTY COURT IN AND FOR
`DUVAL COUNTY, FLORIDA
`
`
`CASE NO.:
`
`
`
`
`
`
`
`
`/
`
`
`
`
`
`
`
`
`
`Complaint
`
`Plaintiff sues Defendant for damages, and would allege:
`
`1. This is an action for damages less than $8,000.
`
`2. Defendant obtained and used a SYNCHRONY BANK/ SYNCHRONY BANK/ JC PENNEY revolving
`
`credit account, XXXXXXXXXXXXX5136 (the "Account").
`
`3. Defendant did make purchases and charged same to the Account, but after statements were
`
`provided to Defendant, Defendant failed to make the monthly payments due upon the Account and
`
`failed to object to the balance then owing within a reasonable time, resulting in an Account Stated
`
`in the sum of $4,138.61 (See Attached).
`
`4. Plaintiff is the successor in interest of said Account having purchased said Account in good faith,
`
`for value, and in the ordinary course of business. (See Attached).
`
`5. Plaintiff received the attached records of the original creditor pursuant to its purchase of the
`
`Defendant’s account. Plaintiff independently checked the records for accuracy, and then integrated
`
`the records into their own business records.
`
`6. Plaintiff has declared Defendant to be in default and demands payment of the balance due on the
`
`Account. Defendant has refused said demand.
`
`7. Defendant is indebted to Plaintiff in the sum of $4,138.61.
`
`8. All conditions precedent to this action have occurred.
`
`
`
`
`ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 04/04/2024 08:14:35 AM
`
`

`

`9. Pursuant to Rule 2.516, Plaintiff designates the following email addresses for the purpose of
`
`service of all documents required to be served pursuant to Rule 2.516 in this proceeding.
`
`Primary E-Mail Address: LitigationService@Portfoliorecovery.com and Secondary Address:
`
`Florida_RA@portfoliorecovery.com.
`
`WHEREFORE, Plaintiff demands Judgment against Defendant for $4,138.61, plus costs.
`
`Date: 03/14/2024
`/s/ John Bacus De Jesus
`John Bacus De Jesus, Esq. Bar No. 0111446
`Anthony Joseph Maniscalco, Esq. Bar No. 548707
`Giuseppe Cataudella, Esq. Bar No. 088976
`Jacqueline Elizabeth Ligas, Esq. Bar No. 030009
`Jessica Montes, Esq. Bar No. 47522
`Jorg Menriv Rivera, Esq. Bar No. 0779571
`Juliana Rodriguez, Esq. Bar No. 105514
`Kali Ann Cilli, Esq. Bar No. 1038142
`Luis Dionicio- Elera, Esq. Bar No. 1022109
`Shayna Lynn Singer, Esq. Bar No. 821101
`Attorneys for Plaintiff
`Portfolio Recovery Associates, LLC
`120 Corporate Blvd
`Norfolk, VA 23502
`Phone: 866/428-8102
`www.PRApay.com
`LitigationService@Portfoliorecovery.com
`Florida_RA@portfoliorecovery.com
`
`
`
`
`
`
`
`
`1071722
`
`
`

`

` synchrony
`
`4500 Munson St NW
`Canton OH 44716, US.
`
`BILL of SALE
`
`PRA (X03S) — PLCC CH13 — February 2021 — ¢4533434
`
`For value received andin further consideration of the mutual covenants and conditions
`set forth in the Forward Flow Accounts Purchase Agreement (the “Agreement”), dated as of this
`9" day of October 2020 by and between Synchrony Bank formerly known as GE Capital Retail
`Bank; RFS Holding, L.L.C., Synchrony Card Funding, LLC and Retail Finance Credit Services,
`LLC., (‘Seller’) and Portfolio Recovery Associates, LLC (“Buyer”), Seller hereby transfers,
`sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except
`as set forth in the Agreement, to the extent of its ownership, the Accounts as set forth in the
`Notification Files (as defined in the Agreement), delivered by Seller to Buyer on or about 18th
`day of February 2021, and as further described in the Agreement.
`
`Synchrony Bank
`Lynne Fisher
`
`By: Lyne Fisher (Feb 25, 2021 11:57 EST)
`Lynne Fisher
`Title: SVP Recovery Operations
`
`RFS Holding LLC
`Lynné Fisher.
`
`By: Lyne Fisher (Feb 25, 2021 11:57 EST)
`Lynne Fisher
`Title: Duly Authorized Signatory
`
`Synchrony Card Funding, LLC
`Lynné Fisher.
`
`By: Lyne Fisher (Feb 25, 2021 11:57 EST)
`Lynne Fisher
`Title: Duly Authorized Signatory
`
`Retail Finance Credit Services, LLC
`
`Lynné Fisher.
`By: Lyne Fisher (Feb 25, 2021 11:57 EST)
`Lynne Fisher
`Title: Vice President
`
`

`

`Sale File: G4533434.DL
`
`***********5136
`
`***********9404
`
`I
`ADAMS JACQUELINE
`**/**/1957
`***************
`3606 VICTORIA LAKES DR N
`
`ACCOUNT_NUMBER
`FORMER_GE_ACCOUNT_N
`UMBER
`OTHER_ACCOUNT_NUMBE
`R_9X
`CUSTOMER_TYPE
`NAME
`BIRTH_DATE
`CUSTOMER_ID
`ADDRESS_1
`ADDRESS_2
`CITY
`COUNTY
`STATE
`ZIP_CODE
`HOME_PHONE_NUMBER
`WORK_PHONE_NUMBER
`HOME_PHONE_FLAG
`WORK_PHONE_FLAG
`ADDRESS_FLAG
`LANGUAGE_IND
`MOBILE_PHONE
`DEBTOR E-MAIL ADDRESS ***************
`SECONDARY_CUSTOMER_
`TYPE
`SECONDARY_CUSTOMER_
`NAME
`SECONDARY_BIRTH_DATE
`SECONDARY_CUSTOMER_I
`
`JACKSONVILLE
`
`FL
`32226-5885
`***************
`***************
`
`EN
`
`0000
`20180723
`20210202
`20200726
`0000378186
`
`D S
`
`ECONDARY_CUSTOMER_
`ADDRESS1
`SECONDARY_CUSTOMER_
`ADDRESS2
`SECONDARY_CUSTOMER_
`CITY
`SECONDARY_CUSTOMER_
`STATE
`SECONDARY_ZIP_CODE
`SECONDARY_HOME_PHON
`
`E S
`
`ECONDARY_WORK_PHON
`
`E I
`
`NTEREST_RATE
`CONTRACT_DATE
`CHARGE_OFF_DATE
`LAST_PAYMENT_DATE
`CHARGE_OFF_AMOUNT
`
`

`

`Sale File: G4533434.DL
`
`GECF
`
`000000000
`ASSOCIATED_COSTS
`000078844
`ACCRUED_INTEREST
`0000457030
`CURRENT_BALANCE
`000378186
`NET_PRINCIPAL
`NET_ASSOCIATED_COSTS 000000000
`NET_INTEREST
`000078844
`LAST_PURCHASE_DATE
`20200807
`LATE_CHARGES_DUE
`00000000000
`FIRST_DELQ_DT
`20201105
`LAST_PAY_AMT
`00000011500
`POST C/O PAYMENTS
`POST C/O INTEREST
`POST C/O FEES
`POST C/O CREDITS
`LENDING_OFFICER_CODE JCP003
`OFF_DESC
`JCPENNEY MASTERCARD®
`BCLE_CORP_CODE
`0181
`JUDGMENT_RECORDED_D
`ATE
`JUDGMENT_BOOK
`JUDGMENT_PAGE
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`ATE
`LEGAL_USER_AMOUNT1
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`LEGAL_USER_AMOUNT3
`LEGAL_USER_AMOUNT4
`LEGAL_USER_AMOUNT5
`LEGAL_USER_AMOUNT6
`LEGAL_USER_AMOUNT7
`LEGAL_USER_AMOUNT8
`LEGAL_USER_VARIABLE1
`LEGAL_USER_VARIABLE8
`LEGAL_USER_VARIABLE9
`LEGAL_USER_VARIABLE10 /Y/Y/1/W
`LEGAL_USER_DATE2
`00000000
`LEGAL_USER_DATE3
`20251104
`LEGAL_USER_DATE4
`00000000
`LEGAL_USER_DATE5
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`LEGAL_USER_DATE6
`20210129
`AGENCY_ATTY_DPS_CODE X03S
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`DEBTOR ATTORNEY
`
`00000000000
`00000000000
`00000000000
`00000000000
`00000000000
`00000000000
`00000000010
`00000000000
`1
`
`PRIMARY
`20210128
`USBC, M DIS FL, JACKSONVI
`DAVID J PINKSTON
`
`

`

`Sale File: G4533434.DL
`
`PO BOX 4608
`
`DEBTOR ATTORNEY
`ADDRESS 1
`DEBTOR ATTORNEY
`ADDRESS 2
`DEBTOR ATTORNEY
`ADDRESS 3
`JACKSONVILLE
`DEBTOR ATTORNEY CITY
`DEBTOR ATTORNEY STATE FL
`DEBTOR ATTORNEY ZIP
`32201
`DEBTOR ATTORNEY
`9043895880
`PHONE NUMBER
`DEBTOR ATTORNEY FAX
`NUMBER
`DEALER_CODE
`COLLATERAL_ID1
`COLLATERAL_YEAR1
`COLLATERAL_MAKE1
`DATE_OF_REPOSSESSION
`
`1 C
`
`1 C
`
`OLLATERAL_SOLD_DATE
`
`OLLATERAL_SALE_PRICE
`
`1 C
`
`OLLATERAL_ID2
`COLLATERAL_YEAR2
`COLLATERAL_MAKE2
`DATE_OF_REPOSSESSION
`
`2 C
`
`2 C
`
`OLLATERAL_SOLD_DATE
`
`OLLATERAL_SALE_PRICE
`
`2 C
`
`OLLATERAL_ID3
`COLLATERAL_YEAR3
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`
`3 C
`
`3 C
`
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`
`OLLATERAL_SALE_PRICE
`
`3 C
`
`OLLATERAL_ID4
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`
`4 C
`
`4 C
`
`4
`
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`
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`
`

`

`21-00217
`21-00217
`20210128
`20210514
`00000000
`00000000
`00000000
`00000000
`D
`
`Sale File: G4533434.DL
`
`COLLATERAL_ID5
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`
`5 C
`
`5 C
`
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`
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`
`5 C
`
`ASE_NUMBER
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`BANKRUPTCY_ASSET_INDI
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`
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`
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`
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`
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`
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`
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`
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`BANKRUPTCY_FILING_DAT
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`BK_USER_DEFINED_DATE2 00000000
`BK_USER_DEFINED_DATE3 00000000
`BANKRUPTCY_ATTORNEY_
`/ / / / / / /
`ADDRESS1
`BANKRUPTCY_ATTORNEY_
`ADDRESS2
`BANKRUPTCY_ATTORNEY_
`CITY
`BANKRTUPTCY_ATTORNEY
`_STATE
`BANKRUPTCY_ATTORNEY_
`ZIP
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`BANKRUPTCY_CHAPTER
`EMPLOYER_NAME
`EMPLOYER_ADDRESS
`SECONDARY_EMPLOYER_
`NAME
`
`000000000
`
`13
`
`

`

`Sale File: G4533434.DL
`
`SECONDARY_EMPLOYER_
`ADDRESS
`MONTHLY_INCOME
`MONTHLY_PAYMENT
`NEXT_PAYMENT_DATE
`LAST_CASH_ADVANCE_DA
`TE
`NUM_PMTS_IN_CYCLE1
`NUM_PMTS_IN_CYCLE2
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`

`

`Sale File: G4533434.DL
`
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`

`

`Sale File: G4533434.DL
`
`0000000000000
`
`00000000
`
`1246/0300/0300/BBB /SFN /121/1
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`00
`
`AMOUNT_OF_PMTS_THIS_
`CYCLE
`DATE_OF_REGULAR_PAYM
`ENT
`NUM_MONTHS_EXTENDED 000
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`00000000
`N
`NUM_DAYS_DELINQUENT
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`
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`
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`
`00000000
`
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`
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`
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`
`E D
`
`ECEASED_DATE
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`HIGH_CREDIT_AMOUNT
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`
`

`

`Sale File: G4533434.DL
`
`USER_DEFINED_ALPHA7
`USER_DEFINED_ALPHA8
`USER_DEFINIED_NUMERIC
`1
`USER_DEFINIED_NUMERIC
`2
`USER_DEFINIED_NUMERIC
`3
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`4
`USER_DEFINIED_NUMERIC
`5
`USER_DEFINIED_NUMERIC
`6
`USER_DEFINIED_NUMERIC
`7
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`8
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`
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`
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`
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`
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`
`00000000
`20210202
`
`20210218
`
`00000000
`
`20210817
`
`

`

`
`
`

`

`JcPenne
`Gold Cardmember
`
`Yy
`
`€&
`
`,
`
`Account Access: jcpenneymastercard.com
`Customer Service: 1-800-388-7193
`
`JACQUELINE P ADAMS
`Account Number ending in **** **** **** 5136
`28 DayBilling Cycle from 01/06/2021 to 02/02/2021
`
`Payment Information
`$0.00
`New Balance:
`$0.00
`Amount Past Due:
`$752.00
`Total Minimum Payment Due:
`
`02/05/2021
`Payment Due Date:
`If we do not receive your Total Minimum Payment
`Late Payment Warning:
`Due by the Payment Due Date listed above, you may have to pay a late fee
`up to $38.00.
`
`Payments must be received by 5pm ET on
`02/05/2021 if mailed, or by 11:59pm ET on
`02/05/2021 for online and phone payments. Your
`in-store payment must be received during store
`hours on 02/05/2021.
`NOTICE Your payment may be converted into an
`electronic debit. See reverse for details, Billing
`Rights Information and other important
`information.
`
`Account Summary
`Previous Balance’ as of 01/06/2021
`Other Credits
`Fees Charged
`New Balance as of 02/02/2021
`
`$4,570.30
`Credit Limit
`$4,030
`- 4,608.30
`Available Credit
`None
`,
`Cash Advance Limit
`$810
`+ 38.00
`|
`$0.00 Salen
`mone
`JCPenney Mastercard Rewards
`Current Status
`GOLD
`See Rewards Detail section.
`
`JCPenney Mastercard Rewards Detail
`Mastercard Rewards Points as o102/02/2021
`Previous Point Balance
`393
`Points Activity On This Statement
`Purchases outside of JCPenney & jcop.com
`Adjustments
`Bonus Points
`Points Redeemed
`New Point Balance
`Points Needed for a Certificate
`
`o
`oa
`o
`o
`o
`1,000
`
`Earn 1 Mastercard Rewards point for every $1 spent outside
`of JCPenney & jcp.com, and automatically receive a $10
`JCPenney Mastercard rewards certificate for every 1,000
`rewards points.
`
`Plus, spend $500 at JCPenney & jcp.com to earn Gold Card
`status, or $1,000 at JCPenney & jcp.com to earn Platinum
`Card status and enjoy even more exclusive benefits!
`
`Find more details at jop.com/credit.
`
`PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO SYNCHRONY BAI
`dektek dekieke dette
`
`Account Number
`New Balance
`Total Minimum Payment Due
`Payment Due Date
`
`Amount
`Enclosed
`
`$
`
`New address or email? Print changes on the back.
`
`5136
`$0.00
`$752.00
`02/05/2021
`
`Amount
`Past Due
`$0.00
`
`JcPen ney & }
`Gald Cardmomber
`
`JACQUELINE P ADAMS
`3606 VICTORIA LAKES DRN
`JACKSONVILLE FL 32226-5885
`
`Make Synchrony Bank/JCP
`Payment P.O. Box 960090
`To: Orlando FL 32896-0090
`
`5433
`
`BCT
`
`1
`
`3
`
`5
`
`210202
`
`ZX PAGE 1 of 3
`
`1246
`
`0300 C812 O1H95433
`
`

`

`Need an extra card?
`
`
`
`Call us at 1-866-448-4367
`
`

`

`J Cc Pe n ney 2
`Gold Cardmember
`
`JACQUELINE P ADAMS
`Account Number ending in **** **** **** 5136
`28 DayBilling Cycle from 01/06/2021 to 02/02/2021
`
`DID YOU KNOW...
`With your JCPenney Mastercard®, you’re automatically a Rewards member! Plus, you can
`earn $10 JCPenney Rewards 2X faster when you shop with your card at JCPenney and jcp.com.
`Purchases subject to credit approval. Exclusions apply. See your Rewards Program Terms and Conditians for details.
`The JCPenney Mastercard is issued by Synchrony Bank pursuant to a license
`il
`i
`i
`JcPenney
`x
`Picea ica
`
`andtheciroles designisatrademarkofMastercardInternationalIncorporated, REWARDS)|Eafe
`
`
`
`Transaction Detail
`
`Date
`Reference #
`Description
`Amount
`
`
`Other Credits
`-$4,608.30
`o1/29
`F1246000X000LFO29
`REFUND OF LATE FEES
`-$38.00
`02/02
`F12460011000FR136
`CHARGE OFF ACCOUNT-PRINCIPALS
`-$3,781.86
`02/02
`CHARGE OFF ACCOUNT-INTEREST CHARGE
`-$788.44
`Total Fees Charged This Period
`$33.00
`
`01/28
`LATE FEE
`$32.00
`Total Interest Charged This Period
`$0.00
`
`02/02
`INTEREST CHARGE ON PURCHASES
`$0.00
`02/02
`INTEREST CHARGE ON CASH ADVANCES
`$0.00
`
`2021 Year-to-Date Fees and Interest
`Total Fees Charged
`
`Total Interest Charged Total Interest Paid
`
`Interest Charge Calculation
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`
`(v) = variable rate
`
`Expiration
`Date
`
`Balance Subject To
`Interest Rate
`
`Interest
`Charged
`
`$0.00
`$0.00
`
`$0.00
`$0.00
`
`Type of
`Balance
`Current Transactions
`[PurchasesNA 25.99% (v
`Cash Advances
`25.99% (v
`Transactions on or before 10/04/2019
`
`Annual
`Percentage Rate
`
`$0.00
`
`
`
`Regular Purchases|UNA 25.99% $0.00
`
`Cardmember News & Information
`Did you know your Mastercard offers Mastercard ID Theft Protection. For more information about this benefit or to view the
`current benefits offered by Mastercard, please visit: www.mastercard.com/corecredit-GTB.
`Statement not provided to customer.
`You have recently been unenrolled from electronic statement delivery. This may have occurred due to certain changes in your
`accountorfailure to comply with the terms and conditions of the electronic statement service. The reason for unenrollment may
`be your account not being in good standing.
`You can pay yourbill online or over the phone. We noticed you've been enjoying our casy paperless payment options, so we will
`no longerbe including return envelopes. You can make things even easier by selecting the paperless statement option on your
`accountonline.
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`Account Access: jcpenneymastercard.com
`Customer Service: 1-866-227-5213
`
`JACQUELINE P ADAMS
`Account Number ending in **** **** **** 5136
`31 Day Billing Cycle from 07/06/2020 to 08/05/2020
`
`Page 1 of 5
`
`Payment Information
`New Balance:
`Total Minimum Payment Due:
`Payment Due Date:
`
`$3,956.33
`$128.00
`08/28/2020
`
`Late Payment Warning: If we do not receive your Total Minimum Payment
`Due by the Payment Due Date listed above, you may have to pay a late fee
`up to $38.00.
`
`Minimum Payment Warning: If you make only the minimum payment each
`period, you will pay more in interest and it will take you longer to pay off
`your balance. For example:
`
`If you make no
`additional charges
`using this card
`and each month
`you pay ....
`
`Only the Minimum
`payment
`
`You will pay off
`the balance
`shown on this
`statement in
`about ...
`
`And you will end
`up paying an
`estimated total
`of ...
`
`14 years
`
`$10,621.00
`
`$160.00
`
`3 years
`
`$5,768.00
`(Savings = $4,853.00)
`
`If you would like information about credit counseling services, call
`1-877-302-8775.
`
`Payments must be received by 5pm ET on
`08/28/2020 if mailed, or by 11:59pm ET on
`08/28/2020 for online and phone payments. Your
`in-store payment must be received during store
`hours on 08/28/2020.
`
`NOTICE: Your payment may be converted into an
`electronic debit. See reverse for details, Billing
`Rights Information and other important
`information.
`
`Account Summary
`Previous Balance as of 07/06/2020
`Payments
`Purchases/Debits
`Interest Charges
`New Balance as of 08/05/2020
`
`$3,864.70
`- 115.00
`+ 119.10
`+ 87.53
`$3,956.33
`
`Credit Limit
`Available Credit
`Cash Advance Limit
`Available Cash
`
`$4,030
`$65
`$810
`None
`
`JCPenney Mastercard Rewards
`Current Status
`GOLD
`See Rewards Detail section.
`
`Account Number
`New Balance
`Total Minimum Payment Due
`Payment Due Date
`
`Amount
`
`Enclosed $
`
`**** **** **** 5136
`$3,956.33
`$128.00
`08/28/2020
`
`New address or email? Print changes on the back.
`
`JACQUELINE P ADAMS
`3606 VICTORIA LAKES DR N
`JACKSONVILLE FL 32226-5885
`
`
`
`
`
`00128000011500 001280000395633 000546680 3039045 13610
`
` Make
`Payment
`To:
`
`Synchrony Bank/JCP
`P.O. Box 960090
`Orlando FL 32896-0090
`
`5433
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`1246 0300 C812 O1HJ5433
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`

`

`Need an extra card?
`
`
`
`Call us at 1-866-448-4367
`
`
`
`

`

`JACQUELINE P ADAMS
`Account Number ending in **** **** **** 5136
`31 Day Billing Cycle from 07/06/2020 to 08/05/2020
`
`Page 2 of 5
`
`
`
`Account Access: jcpenneymastercard.com Customer Service: 1-866-227-5213
`
`JCPenney Mastercard Rewards Detail
`Mastercard Rewards Points as of08/05/2020
`Previous Point Balance
` 78
`Points Activity On This Statement
` Purchases outside of JCPenney & jcp.com
` Adjustments
` Bonus Points
` Points Redeemed
` New Point Balance
` Points Needed for a Certificate
`
` 120
` 0
` 142
` 0
` 340
` 660
`
`Earn 1 Mastercard Rewards point for every $1 spent outside
`of JCPenney & jcp.com, and automatically receive a $10
`JCPenney Mastercard rewards certificate for every 1,000
`rewards points.
`
`Plus, spend $500 at JCPenney & jcp.com to earn Gold Card
`status, or $1,000 at JCPenney & jcp.com to earn Platinum
`Card status and enjoy even more exclusive benefits!
`
`Find more details at jcp.com/credit.
`
`Transaction Detail
`
`Date
`
`Reference #
`
`Description
`
`Purchases and Other Debits
`07/23
`5526352JYBLGXPK85
`07/23
`0230537JY00DL35BE
`07/24
`8513485K0WGN9GSN7
`07/28
`0230537K300DEXY71
`07/29
`5548382K42LR4AZE5
`
`POPEYES 13133 JACKSONVILLE FL
`CVS/PHARMACY #04415 JACKSONVILLE FL
`CORA HEALTH SVCS 510 JACKSONVILLE FL
`PUBLIX #19 JACKSONVILLE FL
`SAMSCLUB #8253 JACKSONVILLE FL
`
`Payments
`07/26
`
`8546680K100XS6H13
`
`ONLINE PYMT-THANK YOU ALPHARETTA GA
`
`Total Fees Charged This Period
`Total Interest Charged This Period
`08/05
`08/05
`
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`
`2020 Year-to-Date Fees and Interest
`Total Fees Charged
`Total Interest Charged
`Total Interest Paid
`
`Amount
`
`$119.10
`$19.56
`$11.00
`$15.00
`$25.81
`$47.73
`
`-$115.00
`-$115.00
`
`$0.00
`$87.53
`$64.48
`$23.05
`
`$77.00
`$399.99
`$190.04
`
`Interest Charge Calculation
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`
`(v) = variable rate
`
`Type of
`Balance
`
`Expiration
`Date
`
` Annual
`Percentage Rate
`
` Balance Subject To
` Interest Rate
`
` Interest
` Charged
`
`Current Transactions
`
`Purchases
`
`Cash Advances
`
`Transactions on or before 10/04/2019
`
`Regular Purchases
`
`NA
`
`NA
`
`NA
`
`New Promotional Financing Plans
`
`25.99% (v)
`
`25.99% (v)
`
`$1,324.69
`
`$1,044.27
`
`$29.24
`
`$23.05
`
`26.99%
`
`$1,537.00
`
`$35.24
`
`Eligible card purchases may be billed under one of the following promotions: No Interest for 6, 12, 18, 24 or 30 months. For each
`promotion, after the promotion ends, a 25.99% APR will apply. If a (v) is shown after your APR in the Interest Charge Calculation
`section of this billing statement, the APR is a variable rate and will vary with the market based on the Prime Rate. Minimum monthly
`payments are required. See promotional advertising for further details.
`(Continued on next page)
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`Account Access: jcpenneymastercard.com Customer Service: 1-866-227-5213
`
`New Promotional Financing Plans (Continued)
`
`Eligible card purchases may be billed under one of the following promotions: No Interest if Paid in Full Within 6, 12, 18, 24 or 30
`months. For each promotion, if the promotional balance is not paid in full within the promotional period, interest will be imposed
`from the date of purchase at the APR that applies to your account when the promotional purchase is made. For each promotion,
`after the promotion ends, a 25.99% APR will apply. If a (v) is shown after your APR in the Interest Charge Calculation section of this
`billing statement, the APR is a variable rate and will vary with the market based on the Prime Rate. Minimum monthly payments are
`required. See promotional advertising for further details.
`
`Cardmember News & Information
`We are here to support you and are working hard to ensure our Synchrony team members can continue to provide you with
`uninterrupted, dependable service. We encourage you to use our online and mobile servicing tools.
`
`As COVID-19 and its impact continue to evolve and develop, we remain focused on the health and safety of our employees and our
`communities, as well as our commitment to you, our customers.
`
`We are also aware that some of our customers may experience financial hardship as a result of COVID-19. If you are impacted,
`please contact us to discuss how we can help.
`
`Did you know your Mastercard offers Mastercard ID Theft Protection. For more information about this benefit or to view the
`current benefits offered by Mastercard, please visit: www.mastercard.com/corecredit-GTB.
`
`Synchrony Bank may continue to obtain information, including employment and income information from others about you
`(including requesting reports from consumer reporting agencies and other sources) to review, maintain or collect your account.
`
`Synchrony is committed to servicing your JCPenney Credit Card/Mastercard account. Please make payments when due by sending
`to the address on your billing statement, visiting jcpcreditcard.com or at your local CheckFreePay* and MoneyGram* locations.
`*Fees may apply.
`
`Thank you for being a valued JCPenney customer. We sincerely appreciate your business and would like to thank you by extending
`your Gold status through December 31, 2021. Enjoy all the extra benefits that come with your JCPenney Credit Card: Earn
`JCPenney Rewards points 2X faster in store or at jcp.com, celebrate your special day with a birthday gift, get exclusive offers, bonus
`events and more. See your Rewards Program Terms for details at jcp.com/rewards.
`
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