Filing # 195406206 E-Filed 04/03/2024 02:47:58 PM
`
`16-2024-SC-006470-AXXX-MA Div: CC-Q
`
`
`
`
`PORTFOLIO RECOVERY ASSOCIATES, LLC,
`
`Plaintiff,
`
`vs.
`
`CHARLES SKINNER
`
`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/ AMAZON revolving
`
`credit account, XXXXXXXXXXXXX2272 (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 $1,619.62 (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 $1,619.62.
`
`8. All conditions precedent to this action have occurred.
`
`
`
`
`ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 04/04/2024 10:49:42 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 $1,619.62, plus costs.
`
`Date: 03/03/2024
`/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
`
`
`
`
`
`
`
`
`1072636
`
`
`

`

`
`
`4500 Munson St NW
`Canton OH 44718, US.
`
`BILL of SALE
`
`PRA (PRES) — PLCC Fresh — May 2021 — g5151859
`
`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
`14th day of August, 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 19th
`day of May 2021, and as further described in the Agreement.
`
`Synchrony Bank
`
`
`
`By: Lypg Fisher (May 27, 2021 08:54 EDT)
`Lynne Fisher
`Title: SVP Recovery Operations
`
`RFS Holding LLC
`
`
`
`By: Lypg Fisher (May 27, 2021 08:54 EDT)
`Lynne Fisher
`Title: Duly Authorized Signatory
`
`Synchrony Card Funding, LLC
`Corners guts nsssusesisnsenisiaanrs sta SSIS AAA NASA SSIS NTS MISSI
`jetee
`Fie
`
`
`By: Lypg Fisher (May 27, 2021 08:54 EDT)
`Lynne Fisher
`Title: Duly Authorized Signatory
`
`Retail Finance Credit Services, LLC
`
`Lupe
`_
`By: Lypg Fisher (May 27, 2021 08:54 EDT)
`Lynne Fisher
`Title: Vice President
`
`

`

`I
`SKINNER CHARLES
`**/**/1960
`***************
`
`7244 FLORAL RIDGE DR
`
`JACKSONVILLE
`
`FL
`32277-2802
`***************
`***************
`
`Sale File: G5151859.DL
`
`***********2272
`*********** Y
`
`ACCOUNT_NUMBER
`FORMER GE ACCOUNT
`NUMBER
`CUSTOMER_TYPE
`NAME
`BIRTH_DATE
`CUSTOMER_ID
`LIABLE
`ACCOUNT_ADDRESS_1
`ACCOUNT_ADDRESS_2
`CITY
`COUNTY
`STATE
`ZIP_CODE
`HOME_PHONE_NUMBER
`WORK_PHONE_NUMBER
`HOME_PHONE_FLAG
`WORK_PHONE_FLAG
`ADDRESS_FLAG
`EN
`LANG_IND
`***************
`MOBILE_PHONE
`DEBTOR E-MAIL ADDRESS ***************
`CO_CUSTOMER_TYPE
`CO_NAME
`CO_BIRTH_DATE
`CO_CUSTOMER_ID
`CO_ACCOUNT_ADDRESS_1
`CO_ACCOUNT_ADDRESS_2
`CO_CITY
`CO_COUNTY
`CO_STATE
`CO_ZIP_CODE
`CO_HOME_PHONE_NUMBE
`
`R C
`
`O_WORK_PHONE_NUMBE
`
`R I
`
`0000
`NTEREST_RATE
`20170112
`CONTRACT_DATE
`20210418
`CHARGE_OFF_DATE
`20200517
`LAST_PAYMENT_DATE
`0000104009
`CHARGE_OFF_AMOUNT
`000000000
`ASSOCIATED_COSTS
`000061853
`ACCRUED_INTEREST
`0000165862
`CURRENT_BALANCE
`000104009
`NET_PRINCIPAL
`NET_ASSOCIATED_COSTS 000000000
`
`

`

`Sale File: G5151859.DL
`
`000061853
`00000000
`00000007600
`20201021
`20200401
`
`NET_INTEREST
`LAST_INTEREST_DATE
`LPA
`FDOD
`LAST_PURCHASE_DATE
`POST C/O PAYMENTS
`POST C/O CREDITS
`POST C/O INTEREST
`POST C/O FEES
`LENDING_OFFICER_CODE AMZ005
`USER_FIELD
`0181
`DPS_ID_AGENCY_ATTY_C
`PRFS
`ODE
`AGENCY_CODE
`DEBTOR ATTORNEY
`DEBTOR ATTORNEY
`ADDRESS 1
`DEBTOR ATTORNEY
`ADDRESS 2
`DEBTOR ATTORNEY
`ADDRESS 3
`DEBTOR ATTORNEY CITY
`DEBTOR ATTORNEY STATE
`DEBTOR ATTORNEY ZIP
`DEBTOR ATTORNEY
`PHONE NUMBER
`DEBTOR ATTORNEY FAX
`NUMBER
`CO_AGENCY_CODE
`EMPLOYERS_NAME
`EMPLOYERS_ADDRESS
`CO_EMPLOYERS_NAME
`CO_EMPLOYERS_ADDRES
`
`000000000
`000000000
`00000000
`A
`00
`
`CHAC
`
`WNPY
`
`SF5
`A
`20210420
`
`S M
`
`ONTHLY_INCOME
`MONTHLY_PAYMENT
`NEXT_PAYMENT_DATE
`RECORD_TYPE
`SEQUENCE_NUMBER
`TITLE
`LOAN_TYPE_CODE
`DEALER_CODE
`CHARGE_OFF_REASON_C
`ODE
`ACCOUNT_STATUS
`SOURCE_CODE
`RECEIPT_DATE
`LAST_COMMENT_LINE_1
`
`

`

`Sale File: G5151859.DL
`
`LAST_COMMENT_LINE_2
`LAST_COMMENT_LINE_3
`LAST_COMMENT_DATE
`SECOND_NAME_1
`SECOND_NAME_2
`OTHER_INCOME
`OTHER_OBLIGATIONS
`OWN_RENT_CODE
`RECOVERY_SCORE
`LAST_CONTACT_DATE
`COMMISSION_RATE
`FILLER
`FORMAT_CODE
`CO_RECORD_TYPE
`CO_SEQUENCE_NUMBER
`CO_TITLE
`FILLER1
`FILLER2
`CO_FORMAT_CODE
`
`00000000
`
`000000000
`000000000
`
`000
`20201022
`0000
`
`B
`
`

`

`
`
`

`

`amazoncom
`
`Account Numberending oe
`
`rt In synchrony°
`
`
`PAGE 1 of 3
`Visit us at syncbank.com/amazon or Call 1-866-771-1104
`
`Payment Information
`
`New Balance:
`$1,619.62
`Payments must be received by 5pm ET on
`Amount Past Due:
`$454.00
`04/13/2021 if mailed, or by 11:59pm ET on
`Total Minimum Payment Due:
`$544.00
`04/13/2021 for online and phone payments.
`Overlimit Amount:
`$519.62
`Visit us at syncbank.com/amazon or Call
`Payment Due Date:
`04/13/2021
`1-866-771-1104.
`
`If we do not receive your Total Minimum Payment
`Late Payment Warning:
`Due by the Payment Due Date listed above, you may haveto paya late fee
`up to $39.00.
`
`If you make only the minimum payment each
`Minimum Payment Warning:
`period, you will pay morein interest and it will take you longer to pay off
`your balance. For example:
`
`
`
`And you will end
`You will pay off
`If you make no
`up paying an
`the balance
`additional charges
`estimated total
`shown on this
`using this card
`of ...
`statement in
`and each month
`you pay.... about...
`
`Only the minimum
`4 years
`$2,277.00
`payment
`
`If you would like information about
`1-877-302-8775.
`
`credit counseling services, call
`
`Account Summa
`Previous Balance as of 02/19/2021
`$1,545.88
`Credit Limit
`$1,100
`Fees Charged
`+ 39.00
`Available Credit
`$0
`s Interest Charges 0g/21/2021
`$1 tisoo
`Rewards Summary
`ew Balance aso
`,
`.
`Rewards Earned YTD
`31 Day Billing Cycle from 02/19/2021 to 03/21/2021
`See Rewards Detail
`
`$0.00
`
`Rewards Detail
`Rewards Earned YTD
`Previous Rewards Balance
`+
`5% Rewards Earned
`+ Bonus Rewards Earned
`- Rewards Redeemed
`+/- Adjustments
`= Current Rewards Balance
`
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`
`Amazon Prime Cardholders can earn 5% Back on
`eligible Amazon.com purchases, and also earn
`Bonus Rewards by purchasing select items at
`Amazon.com.
`
`Visit amazon.com or www.syncbank.com/amazon
`to redeem available rewards. For more details about the
`5% Backprogram, visit www.amazon.com/storecard.
`
`
`
`Expired
`Payments &
`Purchases,
`New
`Balance Type eat Other Credits|Fees & Others cnn. © im > ae Statementgealta
`Debits (+)
`ged (+
`=
`Balance
`$7,619.62
`$1,619.62
`
`
`
`expiration.
`
`If you have promotional balances, additional promotional details can be found below in the Promotional Purchase Summary.
`* Expired promotional balances will display in both the promotional and regular purchases balance row during the month of
`
`Transaction Detail
`Date
`Reference
`Description
`Amount
`
`Total Fees Charged This Perlod
`$39.00
`
`03/13
`LATE FEE
`$39.00
`Total Interest Charged This Period
`$34.74
`
`O3/21
`INTEREST CHARGE ON PURCHASES
`$34.74
`
`2021 Year-to-Date Fees and Interest
`
`
`Total Fees Charged
`$117.00
`
`
`
`Total Interest Charged
`
`$96.27
`
` Total Interest Paid
`$0.00
`
`
`5484
`
`GFT
`
`L
`
`7
`
`18
`
`210321
`
`EX PAGE 1 of 3
`
`9342
`
`1100 APSG O1Inx5484
`
`|
`
`amazon com
`"Snel
`°
`
`Use blue or black ink, Account Number
`detach & mail with your New Balance
`check. Total Minimum Payment Due
`Payment Due Date
`Amount
`$
`Enclosed
`No other correspondence please.
`Print new address or email changes on back.
`
`oo.
`Overlimit
`Amount
`$519.62
`
`Amount
`Past Due
`$454.00
`
`ee 2272
`$1,619.62
`$544.00
`04/13/2021
`
`CHARLES G SKINNER
`7244 FLORAL RIDGE DR
`JACKSONVILLE FL 32277-2802
`
`Make SYNCHRONY BANK/AMAZON
`Payment PO BOX 960013
`to: ORLANDO,FL 32896-0013
`
`

`

`Customer Service: For account information, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS. Unless
`your nameis listed on this statement, your access to information on the account may belimited. You may also mail questions (but not payments) to: PO. Box
`965013, Orlando, FL 32896-5013. Please include your account numberon any correspondence you send to us.
`Payments: Send payments to the addresslisted on the remit portion of this statementor pay online.
`
`Notice: See below for your Billing Rights and other important information. Telephonin aboutbilling errors will not preserve your rights underfederal law. To preserve yourrights, please write to our Billing Inquiries Address, P.O. Box 96sb16. Orlando, FL 32896-5016.
`
`Purchases, returns, and payments madejust prior to billing date may not appear until next month’s statement. When you provide a check as payment, you
`authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check
`transaction. VWWhen we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same
`to have your payment collected
`day we receive your payment, and you will not receive your check back from yourfinancial institution. You may choose no
`electronically by sending
`
`ndi
`ourpayment (with the payment stub), in your own envelope — not the enclosed window envelope, addressed to: P.O. Box
`530993, Atlanta, GA 30353-0993 and not the Payment Address.
`What To Do ff You Think You Find A Mistake On Your Statement
`point, if we think you owe an amount and you do not pay we may report you
`If you think there is an error on your statement, write to us at the Billing Inquiries
`as delinquent.
`Address of:
`information About Payments: You mayat any time pay, in whole orin part,
`Synchrony Bank, P.O. Box 965016, Orlando, FL 32896-5016
`the total unpaid balance without any additional charge for prepayment.
`Payments received after 5:00 p.m. (ET) on any day will be credited as of the
`In your letter, give us the following information:
`~« Account information: Your name and account number.
`next day. Credit to your Account may be delayed up to five days if payment
`« Dollar amount: The dollar amount of the suspected error.
`(a) is not received at the Payment Address,
`(b) is not made in U.S. dollars
`drawn on a U.S.financialinstitution located in the U.S., (c}
`is not accompanied
`~ Description of Problern: \f you think there is an error on yourbill, describe what you
`by the remittance coupon attached to your statement, (d) contains more than
`believe is wrong and why you believe it is a mistake. You must contact us within 60
`one paymentor remittance coupon, or (e) includes staples, paperclips, tape, a
`days after the error appeared on yourstatement.
`folded check, or correspondence of any type. Conditional Payments: All written
`You must notify us of any potential errors fn writing. You maycall us, but if you
`communications concerning disputed amounts, including any check or other
`do weare not required to investigate any potential errors and you may haveto
`pay the amount in question.
`pa ment instrument that: (i) indicates that the payment constitutes “paymentin
`ull” or is tendered as full satisfaction of a disputed amount; or (ii) is tendered
`While we investigate whether or not there has been an error, the following are
`true:
`with other conditions or limitations (“Disputed Payments”), must be mailed or
`delivered to us at P.O. Box 965016, Orlando, FL 32896-5016.
`amount.
`« We cannot try to collect the amount in question, or report you as delinquent on that
`Credits To Your Account: An amount shown in parentheses or preceded by
`a minus (-) sign is a credit or credit balance unless otherwise indicated. Credits
`« The charge in question may remain_on your statement, and we may continue to
`will be applied to your previous balance immediately upon receipt, but will not
`charge you interest on that amount. But, if we determine that we made a mistake,
`satisfy any required payment that may be due.
`you will not have to pay the amount in question or any interest or other fees related
`to that amount
`Credit Reports And Account information: |f you believe that we have
`« While you co not have to pay the amount in question, you are responsible for the
`reported inaccurate information about xu to a consumerreporting agency,
`please contact us at P.O. Box 965015, Orlando, FL 32896-5015.
`In doing
`remainderof your balance.
`so, please identify the inaccurate information andtell us why you believe it is
`« Wecan apply any unpaid amount against yourcredit limit.
`incorrect. If you have a copy of the credit report that includes the inaccurate
`‘our Rights If You Are Dissatisfied With Your Credit Card Purchases
`information, please include a copy of that report. We may report information
`If you are dissatisfied with the goods or services that you have purchased with
`aboutyour account to credit bureaus. Late payments, missed payments, or
`other defaults on your account may be reflected in your credit report.
`your credit card, and you have tried in good faith to correct the problem with
`he merchant, you may have the right not to pay the remaining amount due on
`How We Calculate interest
`the purchase.
`Daily Balance Method: VVvefigure the interest charge on your account by
`To use this right, all of the following must be true:
`applying the periodic rate to the “daily balance” of your account for each day
`1. The purchase must have been made in your home state or within 100 miles of
`in the billing cycle. We then add the interest to the daily balance. To get the
`‘our current mailing address, and the purchase price must have been more than
`“daily balance” we take the beginning balance of your account each day (which
`#50. {Note: Neither of these are necessary if your purchase was based on an
`includes unpaid interest), add any new charges, and applicable fees, and
`advertisement we mailed to you, or if we own the company that sald you the goods
`subtract any payments or credits.
`This gives us the daily balance. Any dail
`or services.)
`balance of less than zero will be treated as zero. A separate daily balance will
`2. You must have used1your credit card forthe purchase. Purchases made with cash
`be calculated for each balance type on your account. The balance(s) shown in
`the Interest Charges section of
`fhis statementis the sum of the daily balances
`aeaiifrom an ATM or with a check that accesses your credit card account do
`not
`qualify.
`for each dayin the billing cycle divided by the numberof daysin the billing cycle.
`3. You must not yet havefully paid for the purchase.
`Wewill not charge you any interest on purchasesif you pay your entire balance
`If all of the criteria above are met and youarestill dissatisfied with the purchase,
`contact us in writing at: Synchrony Bank
`by the due date each month. Pleaserefer to the due date shownonthe front
`of your statement.
`P.O. Box 965016, Orlando, FL 32896-5016
`While we investigate, the samerules apply to the disputed amount as discussed
`Your Account is owned and serviced by Synchrony Bank.
`above. After we finish our investigation, we will tell you our decision. At that
`
`[WF 1993452E]
`
`O1NX5484 - 1 - 04/21/20
`
`Bankruptcy Notice: |f you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following
`address: Synchrony Bank, Attn: Bankruptcy Dept., P.O. Box 965065, Orlando, FL 32896-5065.
`This is an attemptto collect a debt and any information obtained will be used for that purpose.
`iali
`*By providing a telephone numberon your account, you consent to Synchrony Bank and any other owneror servicer of your account contacting you about your
`account, including using any contact information or cell phone numbers you provide, and you consentto the use of any automatic telephone d
`ng system and/
`or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
`For changes of address, phone number and/or email, please check the box and print the changes below.
`
`[|]
`
`Street
`Address
`Gity, State
`ZIP
`Phone #
`Email
`
`*Home Phone #
`
`“Business Phone #
`
`*Cell # or other phone #
`we can use to contact you
`
`**Email Address
`
`**By providing your email address, you agree to receive email communications about your account and also give permission for us to share your
`email address with the named retailer on this account.
`
`

`

`amazon.com
`
`Account Number ending in 2272
`
`CHARLES G SKINNER
`
`r|
`
`| synchrony”
`
`PAGE 2 of 3
`Visit us at syncbank.com/amazon or Call 1-866-771-1104
`
`Interest Charge Calculation
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`(v) = Variable Rate
`Type of
`Expiration
`Annual
`Interest
`Balance
`Date
`Percentage Rate
`—SSCSC~C—“‘*‘“‘*~*é‘“SC“‘i“RNC~*d
`25.99% (v)
`
`Charge [Purchases
`
`Balance Subject to
`Interest Rate
`$1,573.85
`
`Cardholder News and Information
`YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR
`CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT.
`Please Note: Enclosed is the Privacy Policy for this account. Please take a moment to readit, then keepit with other financial
`documents. If you have previously opted-out, you do not need te do so again.
`You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we will no
`longer be including return envelopes. You can makethings even easier by selecting the paperless statement option on your account
`online.
`NOTICE:We may convert your paymentinto an electronic debit. See back of page one for details, Billing Rights and other important
`information.
`
`5484
`
`GFT
`
`1
`
`7
`
`18
`
`210321
`
`EX PAGE 2 of 3
`
`9342
`
`1100 APSG O1NxX5484
`
`

`

`PAGE Sof3
`
`Visit us at syncbank.com/amazon or Call 1-866-771-1104
`
`5484
`
`GFT
`
`1
`
`7
`
`18
`
`210321
`
`EX PAGE 3 of 3
`
`9342
`
`1100 APSG O1NxX5484
`
`

`

`amszoncom Buy Now, Pay Over Time!
`
`on qualifying Amazon.com purchases | =" 5.
`
`APR
`
`Equal Monthly Payments
`6 Months when
`<a
`spend $150 of more
`12 Months when you
`spend $600 er more
`24 Months on <e
`purck
`Sees ey
`
`mere
`
`Special Financing’
`+—t,
`6 Months when you
`ooo spend $150 or more
`oof 12 Months when you
`spend $600 or more
`24 Months on select
`purchases of $800 or more
`
`Want even more benefits, like 5% back in rewards"
`on Amazon purchases and exclusive limited-time offers?
`Join Prime and automatically receive an Amazon Prime Store Card.
`*Visit www.amazon.com/storecard for details.
`
`a {fi synch rony Account Numberii 2272
`
`CHARLES G SKINNER
`
`Visit us at www-.syncbank.com/amazon
`
`Customer Service: 1-866-634-8379
`
`Summary of Account Activity
`Previous Balance
`- Payments
`+ Fees Charged
`+ Interest Charges
`New Balance
`
`Credit Limit
`Available Credit
`Statement Closing Date
`Daysin Billing Cycle
`
`PaymentInformation
`New Balance
`$1,116.09
`Total Minimum Payment Due
`$76.00
`$39.00 Overlimit Amount
`Payment Due Date
`
`97
`
`$1,103.97
`$75.00
`$3.97
`06/1 3/2020
`
`Late Payment Warning: If we do not receive your Total
`$1,100.c0 Minimum Payment Due by the Payment Due Datelisted above,
`OVERLIMIT
`you may haveto paya late fee up to $39.00.
`05/21/2020 Minimum Payment Warning: If you make only the minimum
`31
`paymeni each period, you will pay morein interest andit will
`take you longer to pay off your balance. For example:
`
`5% Back program, visit www.amazon.com/storecard.
`
`Rewards Summary
`Rewards Earned YTD
`
`Previous Rewards Balance
`+
`5% Rewards Earned
`-
`Rewards Redeemed
`= Gurrent Rewards Balance
`
`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
`statementin
`about...
`
`And you will end
`up paying an
`estimated total
`of ...
`
`$1,673.00
`
`If you would like information about
`services, call 1-877-302-8775.
`
`credit counseling
`
`F
`
`.
`.
`
`Rewards Explained
`Amazon Prime Cardholders can earn 5% Back on
`eligible Amazon.com purchases, and also earn
`Bonus Rewards by purchasing select items at
`Amazon.com. Bonus Rewards are earned
`in addition to the 5% Back benefit.
`
`Visit amazon.com or www.syncbank.com/amazon
`to redeem available rewards. For more details about the
`
`PAYMENT DUE BY 5 P.M. (ET) ON THE DUE DATE.
`NOTICE: We may convert your paymentinto an electronic debit. See reverse for details, Billing Rights Information and other
`important information.
`
`5484
`
`xX2G
`
`1
`
`7
`
`18
`
`200521
`
`OPAGE 1 of 3
`
`9342
`
`1100
`
`APSG6G O1NF5484
`
`Detach and mail this portion with your check. Do not include any correspondence with your check.
`
`amazon.cony
`i
`
`
`Account Number: 2272
`Total Minimum
`Payment
`Overlimit Amoun
`New Balance
`
`Payment Due
`Due Date
`$75.00
`OG/1 3/2020
`$3.97
`$1,103.97
`
`
`
`
`Payment Enclosed: Please use
`blue or black ink-.Save a stamp, $
`i
`pay on-line at
`www.esyncbank.com/amazon.
`New address or email? Print Ghanges on back.
`
`CHARLES G SKINNER
`7244 FLORAL RIDGE DR
`JACKSONVILLE FL 32277-2802
`
`Make Paymentteo: SYNCHRONY BANK/AMAZON
`PO BOX 960013
`ORLANDO,FL 32896-0013
`
`

`

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

`

`amazon.conmr
`
`liinterested im changing the due date for yeur
`fimazen.cam Store Card or Amazon Prime Store Card?
`
`To determine your eligibility and to
`discuss available options, please
`contact Synchrony Bank’s Customer
`Service at 1-866-634-8379. Pe
`anaton CUSTonce
`
`amazon Prime
`
`amazoncomSTORE CARD
`
`(v) = Variable Rate
`
`ats
`
`Description of Transaction or Credit
`
`Transaction Summary
`Tran Date Post Date Reference Number
`PAYMENTS AND CREDITS
`ONLINE PYMT-THANK YOU ATLANTA
`o5/17
`O5/17
`PS34200GVO00XS6HOY
`TOTAL PAYMENTS AND CREDITS
`FEES
`LATE FEE
`TOTAL FEES FOR THIS PERIOD
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`TOTAL INTEREST FOR THIS PERIOD
`
`2020 Totals Year-to-Date
`
`Total Fees Charged in 2020
`Total Interest Charged in 2020
`Total Interest Paid in 2020
`
`$78.00
`$124.48
`$124.53
`
`Amount
`
`($76.00)
`($76.00)
`
`$39.00
`
`Interest Charge Calculation
`Your Annual Percentage Rate (APRis the annual interest rate on your account.
`Expiration
`Annual
`Date
`Percentage Rate
`NA
`25.99% (Vv)
`
`Type of Balance
`Regular Purchase
`
`Balance Subject
`to Interest Rate
`$1,127.16
`
`Interest
`Charge
`$24.88
`
`
`| New Promotional Financing Plans
`Eligible card purchases may bebilled under one of the following promotions: No Interest if Paid in Full within 6, 12, or 24
`months. Under each of these promotions, if the promotional balanceis not paid in full within the promotional period, interest will
`be imposed from the date of purchaseat a rate of 25.99%. If a (v) is shown after your APR in the Interest Charge Calculation
`section ofthis 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.
`
`Cardholder News and 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 andits 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 cur customers may experience financial hardship as a result of COVID-19. If you are
`impacted, please contact us to discuss how we can help.
`Synchrony Bank may continue to obtain information, including employment and income information from others about you
`dincluding requesting reports from consumerreporting agencies and other sources) to review, maintain or collect your account.
`You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we
`will no longer be including return envelopes. You can make things even easier by selecting the paperless statement option on
`your account online.
`
`—
`
`Cardholder Benefits and Information
`Manage your account online at www-esyncbank.com/amazon. Check your balance, view your statements, pay your bill, update
`your personal information and more!
`
`As an Amazon Prime Store Cardholder, any 5% back rewards you may have earned in this billing cycle will be displayed in the
`5% Rewards Earned line of the Rewards Summary section above. Not an Amazon Prime Store Cardholder? Visit
`www-.amazon.com/storecard to learn how to upgrade today.
`
`Use your Amazon Store Card to pay in more places! Amazon Store Card Cardholders can now usetheir card to pay for
`transactions with many merchants who offer Pay with Amazon. When using Pay with Amazon, select your Amazon Store Card
`as a payment option once you've signed in using your Amazon credentials. Visit http://payments.amazon.com/storecard to see
`eligible sites.
`
`5484
`
`xX2G
`
`1
`
`F
`
`18
`
`200521
`
`OPAGE 2 of 3
`
`9342
`
`1100 BPS6 O1LNF5484
`
`

`

`5484
`
`xX2G
`
`1
`
`F
`
`18
`
`200521
`
`OPAGE 3 of 3
`
`9342
`
`1100 BPS6 O1LNF5484
`
`