E-Signed: 6291
`Filing # 221338052 E-Filed 04/18/2025 04:52:01 PM
`IN THE COUNTY COURT FOR THE4TH JUDICIAL
`CIRCUIT IN AND FOR DUVAL COUNTY, FLORIDA
`
`16-2025-CC-006880-AXXX-MADiv: CC-L
`
`CASE NUMBER:
`
`JPMORGAN CHASE BANK, N.A.,
`Plaintiff,
`
`vs.
`
`RIYADH DARWEESH,
`Defendant.
`
`
`/
`
`The Plaintiff sues the Defendant andalleges:
`
`COMPLAINT
`
`COUNTI- ACCOUNT STATED
`
`1. This is an action for damages which exceed $8,000 but does not exceed $50,000.00.
`2. The Defendant made purchases of various and diverse consumer goods and/or effected cash advances
`through the use of a credit account obtained from the Plaintiff on account number
`XXXXXXXXXXXO
`3. Before the institution of this action Plaintiff and Defendant had business transactions between them and
`
`they agreedto the resulting balance.
`4. Plaintiff rendered a statement of account to Defendant and Defendantdid not object to the statement.
`5. Defendant owesthe Plaintiff $20067.83 that is due.
`
`WHEREFORE,Plaintiff demands judgment against the Defendant(s) for damages of $20067.83, and any
`otherrelief this court deemsjust and proper.
`
`/s/ Sacha C. Dixon, Esq.
`Flynn LaVrar, Esq., FL Bar #91596
`Elias Leonard Dsouza, Esq., FL Bar #399477
`Drew Linen, Esq., FL Bar #121577
`Sacha C. Dixon, Esq., FL Bar #1017790
`Cydnei Nettles, Esq., FL Bar #1060227
`Jennifer K. Klein, Esq., FL Bar #89432
`AndrewS. Bresalier Perez, Esq., FL Bar #493279
`ATTORNEYS FOR PLAINTIFF
`1133 S. University Drive, 2nd Floor
`Plantation, FL 33324
`954-735-4455 or 800-531-5490
`954-735-0227 (fax)
`844-384-6768 (TTY)
`service@raslavrar.com
`
`THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED
`FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
`
`File #: 3001072019
`
`ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK,04/22/2025 08:34:51 AM
`
`

`

`EXHIBIT "A"
`
`ACCOUNT STATEMENTS
`
`

`

`|
`
`|
`
`
`
`$3
`
`M
`
`T WOT
`
`F
`
`Ss
`
`2
`
`F
`
`You earn unlimited 5% Cash Back rewards ontravel purchased
`through Ultimate Rewards, unlimited 3% cash back on dining at
`restaurants and drugstore purchases, and unlimited 1.5% cash
`back onall other purchases. It's automatic! Redeem for cash with
`no minimum, and your Cash Back rewards do not expire as long
`as your accountis open.
`
`Mobile: Downloadthe
`[Manageyouraccountonlineat: © CustomerService:
`za.
`ChaseMobile®apptoday
`B Treedorn SE www.chase.com/cardhel
`AMS
`1-800-524-3880
`eae CHASE FREEDOM UNLIMITED
`Minimum Payment Due
`REWARDS SUMMARY
`ae mer Bove ns
`
`Previous points balance
`-613
`6
`
`$524.00
`+ 1.5% {1.5 Pts)/$1 earned onall purchases
`7
`8
`9
`10
`11
`12
`«13
`3,923
`
`+ 1.5%(1.5 Pts)/$1 addl on Dining purchases
`97
`Payment DueDate
`.
`
`+1.5%(1.5 Pts)/$1 addl on Drugstore purchases
`21
`a §6O4/D3/04
`
`+ 3.5%(3.5 Pts)/$1 addl on Ult Rewardstravel
`0
`27
`21
`22 Ei 24
`25
`26
`28
`29
`30
`1
`2
`3
`4
`Total points available for
`
`5
`6
`7
`8
`$
`10
`11
`redemption
`3,428
`Start redeeming today. Visit Ultimate Rewards® at
`www.ultimaterewards.com
`Late Payment Warning: If we do not receive your minimum payment
`by the datelisted above, you may haveto paya late fee of up to
`$40.00 and your APR'swill be subject to increase to a maximum
`Penalty APR of 29.99%.
`Minimum Payment Warning: If you make only the minimum
`payment each period, youwill pay more in interest andit will take you
`longerto pay off your balance. For example:
`If you make no
`Youwill pay off the
`And youwill end up
`balance shownonthis
`additional charges
`paying an estimated
`statementin about...
`totalof...
`using this card and
`each month you pay...
`Only the minimum
`
`
`
`payment
`
`$697
`
`3 years
`
`$25,109
`(Savings=$29,045)
`
`If you wouldlike information about credit counseling services, call
`1-866-797-2885.
`
`ACCOUNT SUMMARY
`Account Number:XX
`$14,766.87
`Previous Balance
`-$1,000.00
`Payment, Credits
`+$2,614.70
`Purchases
`$0.00
`Cash Advances
`$0.00
`Balance Transfers
`$0.00
`Fees Charged
`Interest Charged
`+$356.91
`
`New Balance
`$16,738.48
`Opening/Closing Date
`02/27/24 - 03/26/24
`Credit Access Line
`$16,800
`Available Credit
`$6t
`Cash Access Line
`$840
`
`Available for Gash
`$6t
`Past Due Amount
`$0.00
`
`Balanceoverthe Credit Access Line $0.00
`
`YOUR ACCOUNT MESSAGES
`
`Introducing PazeS“ — an easy and secure way to check out online with Chase debit and credit cards
`
`We'll soon include qualifying Chase debit and credit cards in Paze SM, a new digital bank wallet used at checkout with participating oniine
`businesses, where your card numberwill never be shared.
`
`Page 1 of 3
`
`aci freedom
`
`P.O. BOX 15123
`WILMINGTON, DE 19850-5123
`For Undeliverable Mail Only
`
`AUTOPAYIS ON
`See Your Account
`Messagesfor details.
`
`RIYADH DARWEESH
`7990 BAYMEADOWSRD E UNIT 1304
`JACKSONVILLE FL 32256-2976
`
`04/23/24
`Payment Due Date:
`$16,738.48
`New Balance:
`$524.00
`Minimum Payment Due:
`Account number:a
`
`Amount Enclosed
`$
`Make/Mail to Chase Card Services at the address below:
`
`CARDMEMBER SERVICE
`PO BOX 1423
`CHARLOTTE NC 28201-1423
`
`

`

`
`
`
`
`'To contact us regarding your account:
`Call Customer Service:
`In U.S.
`1-800-524-3880
`Spanish
`1-888-446-3308
`Pay by phone 1-800-436-7958
`International 1-302-594-8200
`We accept operator relay calls
`
`•
`Send Inquiries to:
`P.O. Box 15298
`Wilmington. DE 19850-5298
`
`Mail Payments to:
`P.O. Box 1423
`Charlotte, INC 28201-1423
`
`Visit Our Website:
`www.chase.com/cardhelp
`
`Information About Your Account
`
`Making Your Payments:
`The amount 01 your payment should be at least your minimum payment
`due, payable in U.S dollars and drawn on or payable through a U.S.
`financial institution or the US, branch of a foreign financial institution You
`can pay down balances faster by paying more than the minimum payment
`or the total unpaid balance on your account.
`You may make payments electronically through our website or by one of
`our customer service phone numbers above. In using any of these
`channels, you are authorizing us to withdraw lands as a one-time
`electronic funds transfer from your bank account. In our automated phone
`system, this authorization is provided olu entry of a personal identification
`number, You rosy revoke this authorization by cancelling your payment
`through our wobsito on customer service telephone numbers prior to the
`payment processing. If we receive your completed payment request
`through one of these channels by 11 :59 pm Eastern Time, we will credit
`your payment as of that day. It we receive your request after 11.59 pun.
`Eastern Time, we will credit your payment as of the next calendar day. If
`you specify a Future date in your request we will credit your payment as of
`that day.
`It you pay by regular U.S. mail to the Payments address shown or this
`statement. Write your account number on your check or money order and
`include the payment coupon in the envelope Do not send more than one
`payment or coupon per envelope, Do rot staple, clip or tape the
`documents. Do not include correspondence. On not send cash. It we
`receive your properly prepared payment on any day by S pm local time at
`our Payments address on his statement, we will credit to your account
`It your payment is receiand after S p.m. local time at out
`hat day
`Payments address on this statement, e will credit it to your account as of
`the coot calendar day.
`For all other payments or for any payment type above f r winch you do not
`for ow our payment instructions, crediting of your payments may be
`delayed for up to 5 days
`Account Information Reported To Credit Bureau
`We may report information about your Account to credit bureaus. Late
`payments, missed payments or other defaults on your Account may be
`reflected in your credit report It you think we have reported inaccurate
`information to a credit bureau, please write to us at Chase Card Services
`PD.
` 15369, Wilmington, DE t9850'5369
`To Seroioe And Manage Any Of Your Account(s):
`By providing my mobile phone number, I am glaring permission to be
`contacted at that number about all at my 000005ts by JP Morgan Chase
`and companies working on its behalf. My consent allows the use text
`messages, artificial or prerecorded voice messages and automatic dialing
`technology for informational and account servicing, but trot for sales or
`telemarketing. Message and data rates may apply
`Authorization To Concert Your Check To An Electronic Transfer Debut
`When you provide a check as payment, you authorize vs either to use
`information from your chock to make a onetime electronic Fund transfer
`from your account of to process the payment as a check. Your bunk
`account may be debited as soon as the some day we receive your
`payment You will not receive your check back from your institution.
`Conditional Payrnentsr
`Any payment check or other form 01 payment that you send as for less
`than the loll balance doe that is marked "paid in cli" or contains a similar
`rotation, or that you otherwise tender in full satisfactionof a disputed
`amoumtt, must be sent to Card Services, P.O. Box 15040, Wilmington, DE
`19850.5049 We reserve all our rights regarding these payments leg.. itt
`Is determined there is no valid dispute or if any such check is received at
`any other address. we may accept the check and you still
` owe any
`remaining balance) We may refuse to accept any such payment by
`retaining It to you, mt cashing it or destroying it All other payments that
`you make should be sent to the regular Payment address shown on th s
`statement
`Annual Renewal Notice'
`It yost Account Agreement has an annual membership tee you ore
`responsible for it every year your Account is open We will add your
`annual membership toe to your monthly billing statement once a year,
`whether on not you use your account. Your annual membership tee will be
`added to your purchase balance and may incur interest The annual
`membership toe is noin.relundablo unless you rallyus that you wish to
`.lose your account within 30 days or coo billing cycle (whichever is loss)
`alter we provide the statement on Which the annual membenslnip tee is
`billed Your payment 01 the annual membership tee does not affect our
`rights to close your Account and to limit your tight to make transactions on
`your Account. If your Account is closed by you or us. the annual
`membership tea will no longer be billed to your A000virt
`Calculation 01 Balance Subject To Interest Rate:
`To figure your periodic interest charges for each billing cycle wlten a daily
`periodic
` applies, we use the daily balance method
`Laing new
`transactrons) To figure your periodic interest charges for each billing cycle
`when a monthly periodic rote)s) applies, we use the average daily balance
`method )incladrmng new transactions). For an explanation 01 either method.
`or questions about a particular interest charge calculation or your
`statement, please call us at the toll free customer service phone number
`listed above.
`We calculate periodic interest charges separately f r each feature (for
`eoample, purchases, balance transfers, cash advances or overdraft
`advances). These calculations may combine different categories with the
`some periodic rates Variable rates will carp with the market based on the
`Prime Rate or such index described in your Account Agreement. There is
`a transaction tee for each balance transfer, cash advance, or chock
`transaction in the amount stated in your Account Agreement There is a
`foreign transaction fee 013% at the U S. dollar aerosol 01 any foreign
`
`transaction For some accounts Please sea your Account Agreement for
`information about these lees.
`We add transactions and fees to your daily balance no earlier than:
`1. the date 01 the transaction ' for new purchases, balance transfers,
`overdraft advances. cash advances. or My Chase L000or
` check ' or
`2. the dote the payee deposits
` cash advance
`checks or balance reactor, checks,
`3. the date 01 0 related transaction, the date they are posted to your
`account, or the last day of the billing cycle, whichever we may
`choose' for fees
`How To Avoid Paying Interest On Purchases:
`Your due date will be a minimum 0121 days after the close 01 each billing
`cycle It you pay your account or Interest Saving Balance) in lull each
`billing period by the date and time due, no interest is charged on now
`purchases month to month. Also, we will not impose interest charges on
`any portion of a purchase balance you repay while that balance is subject
`interest-free period. Subject to any interest free period for new
`to an:
`purchases, we will begin charging interest from the 0010 0 transaction
`)inclading any balance transter, cash advance or overdraft advance). too
`or interest charge is added to your doily balance until your account is paid
`in full. 0000une we apply payments in excess 01 your minimum payment
`irst to higher rate balances, you may not be able to avoid interest charges
`on new purchases it you have another balance at a higher interest rate
`unless you pay your balance or Interest Saving Balance) in lull each
`month,
`Credit Limitr
`If you macI to inquire about your options to help prevent your a00000t from
`exceeding your credit limit. please call the number on the bock of your
`
`What To Dolt Your Think You Find A Mistake On Your Statement
`If you think there is an error or your statement, write to us on a separate
`sheet at Customer Service, P.O Boo 15299, Wilmington. DE 19850.5299.
`In your letter, give us the following information
`Account information' Your name and Account number.
`Dollar amount: The dollar amount 01 the suspected error
`• Description 01 Problem: If you think there is on error on your bill,
`describe what you believe is wrong and why you believe it is a
`mistake.
`You must contact us Within 60 days otter the error appeared on your
`statement
`You must nobly as of any potential errors in writing You may cell us or
`notify us electronically, but if you do we are not required to investigate any
`potential errors and you may have to pay the amount in question
`While we i000shgotn whether or not there Iros been an error, the following
`
`• We cannon try to collect the amount in question, or report you as
`delinqaent on that amount,
`• The charge in question may remain on your statement, and we may
`continue to charge youi interest on that amount. But. it we determine
`that we made a mistake, you will not have to pay the amount in
`question or any interest or other fees related to that amount,
`• While you do not have to pay the amount in question, you are
`responsible f r the remainder 01 your balance
`We can apply any unpaid amount against your credit limit,
`Your Rights It You Are Dissatisfied With Your Credit Coed Purchases:
`If you are dissatisfied With the goods or services that you have purchased
`With your credit card, and you have tried in good faith to correct the
`problem with the merchant, you may have the right not to pay the
`remaining amount due on the purchase.
`To use the right, all of the following must be truer
`1.The purchase must have been mode In your home state or within
`15 miles of your content mailiog address, and
` purchase p0cc
`must have been more than $UU
`)Noter Neither 01 these are
`necessary it your purchase was based on an advertisement we
`mailed Is you, or if we own the company that told you the goods or
`
`2. You must have used your credit cord for the purchase. Purchases
`made with cash advances from an ATM or With a check that
`accesses your credit card Account do not quality.
`3. You moot out yet have Icily paid f r the purchase.
`If all of the criteria above are met and you are still dissatisfied with the
`purchase.
` us in writing at Costumer
` P.O.
` 15299,
`Wilmington. DP 19850-5255.
`While we investigate, the swine rules apply to the disputed amount as
`discussed above After we finish our investigation, we will tell you our
`decision. At that point. if we think you owe on amount and you do not pay
`ace irray report you as delinquent
`
`MADb04202f
`
`E
`
`To manage your account, including Card payments, alerts, and Change of address, visit
`www.chase.com/cardhelp or call the Customer service number which appears on your
`account statement,
`
`L
`
`

`

`
`
`
`
`
`
`
`
`up freedom.
`
`No
`
`Manage your account online at:
`www.chase.corrilcard net p
`
`Customer Service:
`
`1-800-524-3880 U Chase Mobile app today
`
`Mobile: Download the
`
`YOUR ACCOUNT MESSAGES (CONTINUED)
`Please visit the PazeSM FAGs at chase.com/pazefor more information, including details on eligibility, how PazeSM works and what to do if
`you don't want to participate. We'll notify you when your Chase card(s) is ready to use with Paze SM.
`Your next Fixed AutoPayment for S1,000.00 will be deducted from your account and credited on your due date
`(previous day if your due date falls on a Saturday). The AutoPay amount will never be more than the Fixed Amount
`However, the AutoPay amount may be less than the Fixed Amount (even zero) if either the New Balance shown on
`your monthly statement is less than the Fixed Amount or if the Current Balance when AutoPay processes is less than
`the Fixed Amount.
`
`ACCOUNT ACTIVITY
`Date of
`Transaction
`PAYMENTS AND OTHER CREDITS
`03/22
`AUTOMATIC PAYMENT - THANK YOU
`
`Merchant Name or Transaction Description
`
`PURCHASE
`02/26
`02/26
`02/26
`02/27
`02/27
`02/27
`02/27
`02/29
`02/29
`03/02
`03/02
`03/02
`03/01
`03/01
`03/01
`03/02
`03/03
`03/04
`03/05
`03/05
`03/05
`03/06
`03/06
`03/06
`03/07
`03/06
`03/07
`03/07
`03/07
`03/07
`03/09
`03/09
`03/09
`03/09
`03/08
`03/07
`03/08
`03/09
`03/09
`03/10
`03/10
`03/11
`03/10
`03/10
`03/10
`03/11
`03/10
`03/11
`03/11
`03/11
`03/12
`03/12
`03/12
`
`FLEET TRUCK PARTS INC JACKSONVILLE FL
`PUBLIX #708 JACKSONVILLE FL
`FLEETPRIDE1 26 JACKSONVILLE FL
`AMZN Mktp US*RZ6V88K60 Amzn.com/bill WA
`WAL-MART #4561 JACKSONVILLE FL
`GATE 1223 JACKSONVILLE FL
`NAPA STORE 1659014 JACKSONVILLE FL
`PILOT 052 LAVERGNE TN
`PILOT 067 CARTERSVILLE GA
`PILOT 356 SHEPHERDSVILL KY
`FLYING J 1086 MARION IN
`FLYING J 1086 MARION IN
`LOVE'S #0323 INSIDE MARION IN
`PILOT 881 FT WAYNE IN
`BB OF FORT WAYNE #75 FORT WAYNE IN
`WENDYS 1086 MARION IN
`WENDY'S VALDOSTA GA
`FLYING J 622 FORT PIERCE FL
`WAL-MART #4561 JACKSONVILLE FL
`PUBLIX #177 JACKSONVILLE FL
`CVS/PHARMACY #02669 JACKSONVILLE FL
`UBER TRIP HELP.UBER.COM CA
`Amazon Prime*RZ4VE8KS1 Amzn.com/bill WA
`PUBLIX #708 JACKSONVILLE FL
`AMZN Mktp US*RN4SMOOX2 Amzn.com/bill WA
`GATE #1223 JACKSONVILLE FL
`CIRCLE K #26163 JACKSONVILLE FL
`WINN-DIXIE #7 JACKSONVILLE FL
`GATE #1223 JACKSONVILLE FL
`BP#88996765UN5H1NE #267 JACKSONVILLE FL
`WAL-MART #1444 JACKSONVILLE FL
`AMZN Mktp US*RN0J09O12 Amzn.com/bill WA
`LOVE'S #0801 INSIDE CORDELE GA
`GATE #1187 JACKSONVILLE FL
`BOURBON ST GRILL JACKSONVILLE FL
`PMT*COJ LICENSE TAG JACKSONVILLE FL
`BOURBON ST GRILL JACKSONVILLE FL
`WAL-MART #1444 JACKSONVILLE FL
`SPEEDWAY 43330 JACKSONVILLE FL
`WAL-MART #308 MANCHESTER TN
`AMZN Mktp US*RN4Q65AV1 Amzn.com/bill WA
`LOVE'S #0583 INSIDE NEW BADEN IL
`LOVE'S #0348 INSIDE CALVERT CITY KY
`PILOT 421 DALTON GA
`BOJANGLES#801 CORDELEGA
`AUTOZONE 6155 KANSAS CITY KS
`THE HOME DEPOT 748 MANCHESTER TN
`UBER TRIP HELP.UBER.COM CA
`OT 231 KANSAS CITY KS
`OT 231 KANSAS CITY KS
`LOVE'S #0704 INSIDE PACIFIC JUNCT IA
`LOVE'S #0704 INSIDE PACIFIC JUNCT IA
`LOVE'S #0704 INSIDE PACIFIC JUNCT IA
`
`$ Amount
`
`-1,000.00
`
`8.03
`23.09
`139.85
`26.85
`6.50
`30.24
`2.99
`15.78
`8.28
`4.23
`12.83
`13.50
`3.52
`13.66
`124.60
`5.89
`5.94
`11.75
`23.47
`17.46
`13.88
`17.02
`15.11
`17.19
`17.19
`25.34
`20.39
`14.97
`21.36
`3.54
`21.46
`360.98
`15.27
`57.32
`9.99
`3375
`9.99
`21.47
`1.92
`12.75
`26.85
`7.00
`8.14
`5.87
`5.71
`12.10
`35.02
`17.94
`6.97
`3.59
`12.67
`2.02
`10.82
`
`RIYADH DARWEESH
`
`Page 2 of 3
`Page 2013
`
`Statement Date:
`
`03/26/24
`
`

`

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`
`
`ACCOUNT ACTIVITY (CONTINUED)
`Date of
`Transaction
`
`Merchant Name or Transaction Description
`
`03/12
`03/13
`03/12
`03/14
`03/14
`03/13
`03/15
`03/18
`03/23
`03/25
`03/25
`03/25
`
`QT 231 KANSAS CITY KS
`PILOT 044 BOONVILLE MO
`OT 236 PLATTE CITY MO
`LOVE'S #0325 INSIDE TIFTON GA
`LOVE'S #0735 INSIDE CALHOUN GA
`BOJANGLES #803 MARION IL
`UBER TRIP HELP.UBER.COM CA
`AMZN Mktp US*R66M68XM1 Amzn.com/bill WA
`Amazon.com*RH97X4NZ1 Amzn.com/bill WA
`PAYPAL *EBAY US 078-937-2482 CA
`Oojccom 415-8400207 DE
`AMZN Mktp US*RA1 W16ZF2 Amzn.com/bill WA
`
`INTEREST CHARGED
`03/26
`PURCHASE INTEREST CHARGE
`TOTAL INTEREST FOR THIS PERIOD
`
`2024 Totals Year-to-Date
`Total fees charged in 2024
`$0.00
`Total interest charged in 2024
`$1,094.07
`Year-to-date totals do not reflect any tee or interest refunds
`you may have received.
`
`$ Amount
`6.69
`24.42
`6.28
`3.84
`5.98
`12.58
`19.93
`17.19
`160.18
`24.19
`811.02
`158.35
`
`356.91
`$356.91
`
`Balance
`Subject To
`Interest Rate
`
`Interest
`Charges
`
`$15,906.93
`
`$356.91
`
`INTEREST CHARGES
`Your Annual Percentage Rate (APR) is the annual interest rate on your account
`Annual
`Percentage
`Rate (APR)
`
`Balance Type
`
`PURCHASES
`Purchases
`CASH ADVANCES
`Cash Advances
`BALANCE TRANSFERS
`Balance Transfers
`
`28.24%(v)(d)
`
`29.99%(v)(d)
`
`28.24%(v)(d)
`
`-0-
`
`-0-
`
`- 0 -
`
`
`
`- 0-
`29 Days in Billing Period
`
`(v) = Variable Rate
`(d) = Daily Balance Method (including new transactions)
`a) = Average Daily Balance Method (including new transactions)
`Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice, How
`to Avoid Interest on Purchases, and other important information, as applicable.
`
`IMPORTANT NEWS
`
`•
`
`Fraud and scams are on the rise and can be especially
`devastating to older adults. Explore those that target older
`adults to help protect your loved one from falling victim.
`To get started, please visit chase.com/FinancJalAbuse
`
`Page 3 of 3
`
`

`

`|
`ci freedom
`
`|
`
`Manage your account online at:
`www.chase.com/cardhel
`
`i CustomerService:
`1-800-524-3880
`
`Mobile: Download the
`fim
`S) Chase Mobile® app today
`
`November 2024
`w-
`F
`Ff
`Ww
`rT
`a
`1
`29
`30
`St
`5
`6
`7 8
`12
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`27
`3.
`10
`17
`24
`1
`
`mM
`28
`4
`11
`18
`25
`2
`
`New Balance
`$20,067.83
`Minimum Payment Bue
`$5,083.00
`Payment Due Date
`11/23/24
`
`
`
` BO)o;/o|o
`
`CHASE FREEDOM UNLIMITED
`REWARDS SUMMARY
`
`Previous points balance
`
`+ 1.5% {1.5 Pts)/$1 earned onall purchases
`
`+ 1.5%(1.5 Pts)/$1 addl on Dining purchases
`+1,5%(1.5 Pts)/$1 addl on Drugstore purchases
`+ 3.5%(3.5 Pts)/$1 addl on Ult Rewards travel
`Total points available for
`
`redemption
`0
`Start redeeming today. Visit Ultimate Rewards® at
`www.ultimaterewards.com
`
`Late Payment Warning: If we do not receive your minimum payment
`by the date listed above, you may have to paya late fee of up to
`$40.00 and your APR'swill be subject to increase to a maximum
`You earn unlimited 5% Cash Back rewards ontravel purchased
`Penalty APR of 29.99%.
`through Ultimate Rewards, unlimited 3% cash back on dining at
`restaurants and drugstore purchases, and unlimited 1.5% cash
`Minimum Payment Warning: If you make only the minimum
`back onall other purchases. It's automatic! Redeem for cash with
`payment each period, youwill pay morein interest andit will take you
`no minimum, and your Cash Back rewards do not expire as long
`longerto pay off your balance. For example:
`as your accountis open.
`If you make no You will pay off the|And youwill end up
`
`additional charges
`balance shownonthis|paying an estimated
`statementin about...
`totalof...
`using this card and
`each month you pay...
`
`Only the minimum
`25 years
`$53,978
`payment
`
`
`If you wouldlike information about credit counseling services, call
`1-866-797-2885.
`
`ACCOUNT SUMMARY
`Account Number:xx
`$19,615.63
`Previous Balance
`$0.00
`Payment, Credits
`$0.00
`Purchases
`$0.00
`Cash Advances
`$0.00
`Balance Transfers
`$0.00
`Fees Charged
`Interest Charged
`+$452.20
`
`New Balance
`$20,067.83
`Opening/Closing Date
`09/27/24 - 10/26/24
`Credit Access Line
`$16,800
`Available Credit
`$0
`Cash Access Line
`$840
`
`Available for Gash
`$0
`Past Due Amount
`$4,431.00
`
`Balance overthe Credit Access Line $3,267.83
`
`YOUR ACCOUNT MESSAGES
`
`You are overyour credit line/credit access line by $3,267.83. You can pay down your balancefaster by including this
`amount with your payment.
`Your accountis closed and no longer available for use.
`
`Page 1 of 2
`
`“ freedonr
`
`P.O. BOX 15123
`WILMINGTON, DE 19850-5123
`For Undeliverable Mail Only
`
`CS CGR ity
`aMSUAVOHS;42CEO is
`Gyeluded ini vous
`Minimum Payment.
`
`RIYADH DARWEESH
`7990 BAYMEADOWSRD E UNIT 1304
`JACKSONVILLE FL 32256-2976
`
`11/23/24
`Payment Due Date:
`$20,067.83
`New Balance:
`$5,083.00
`Minimum PaymentDue:
`Account number:
`
`Amount Enclosed
`$
`Make/Mail to Chase Card Services at the address below:
`
`CARDMEMBER SERVICE
`PO BOX 1423
`CHARLOTTE NC 28201-1423
`
`

`

`
`
`
`
`'To contact us regarding your account:
`Call Customer Service:
`In U.S.
`1-800-524-3880
`Spanish
`1-888-446-3308
`Pay by phone 1-800-436-7958
`International 1-302-594-8200
`We accept operator relay calls
`
`•
`Send Inquiries to:
`P.O. Box 15298
`Wilmington. DE 19850-5298
`
`Mail Payments to:
`P.O. Box 1423
`Charlotte, NC 28201-1423
`
`Visit Our Website:
`www.chase.com/cardhelp
`
`Information About Your Account
`
`Making Your Payments:
`The amount 01 your payment should be at least your minimum payment
`due, payable in U.S dollars and drawn on or payable through a U.S.
`financial institution or the US, branch of a foreign financial institution You
`can pay down balances faster by paying more than the minimum payment
`or the total unpaid balance on your account.
`You may make payments electronically through our website or by one of
`our customer service phone numbers above. In using any of these
`channels, you are authorizing us to withdraw funds as a one-time
`electronic funds booster from your bank account. In our automated phone
`system, this ualhonoutiov is provided olu entry 01 a personal identification
`number, You may revoke this authorization by cancelling your payment
`through our wobsito on customer service telephone numbers prior to tire
`payment processing. If we receive your completed payment request
`through one of these channels by 11 :59 pm Eastern Time, we will credit
`your payment as of that day. It we receive your request after 11.59 pin.
`Eastern Time, we will credit your payment as of the next calendar day. If
`you specify a Future date in your request we will credit your payment as of
`that day.
`It you pay by regular U.S. mail to the Payments address shown or this
`statement, write your account number on your check or money order and
`Include the payment coupon in the envelope Do not send more than one
`payment or coupon per envelope, Do rot staple, clip or tape the
`documents. Do not include correspondence. On not send cash. It we
`receive your properly prepared payment on any day by S pm local time at
`our Payments address on his statement, we will credit to your account
`It your payment is received after S p.m. local time at Out
`hat day
`Payments address on this statement, me will credit it to your account as of
`the next calendar day.
`For all other payments or for any payment type above for winch you do not
`for
` be
` our payment instructions, crediting of your payments
`delayed for up to 5 days
`Account lnterrnatren Reported To Credit Bureau
`We may report information about your Account to credit bureaus. Late
`payments, missed payments or other defaults on your Account may be
`reflected in your credit report It you think we have reported inaccurate
`information to a credit bureau, please write to us at Chase Card Services
`P0.
`15369, Wilmington, DE 19850 5369,
`Authorization To Convert Your Cheek To An Electronic Transfer Debit:
`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. Your bank
`account may be debited as soon as the same day we receive your
`payment You will not receive your chock back from your institution
`Conditional Payronets:
`Any payment check or other form of payment that you send us for less
`than the full balance due that is marked "paid in lull" or contains a similar
`notation, or that you otherwise tender in lull satisfaction 01 a disputed
`amount, must be sent to Curd Services, PD, Box 15049. Wilmington. DE
`19550.5045. We reserve all our rights regarding these payments e.g., if it
`is determined there is no valid dispute or if any such check is received at
`any other address, we may accept the check and you still owe any
`remaining balance) We may refuse to accept any such payment by
`returning it to you, not cashing it or destroying it. All other payments that
`you make should be serf to the regular Payment address shown on this
`statement.
`Annual Renewal Notice:
`It your Account Agreement has an uncool membership fee, you are
`responsible for it every year your Account is open We will add your
`annual membership foe to your monthly billing statement once a year.
`whether or not you use your account Your annual membership toe will be
`added to your purcitase bulnirce and may mcvi interest. The annual
`membership tee is non-rotuirdoble usl055 you notify us that you wish In
`close your occourt within 30 days stone billing cycle (whichever is less)
`after we provide the statement on which the annual membership tee is
`billed. Your payment of the annual membership tee does not affect our
`rights to close your Account and to limit your right to make transactions on
`your Account. If pour Account is closed by you or us, the
`
`membership lee will no longer be billed to your Account
`Calculation Of Balance Subject To Interest:
`To ligure your periodic interest charges for each billing cycle when a doily
`periodic rate(s) applies. we use the daily balance method (including new
`transactions). To figure your periodic interest charges for each billing cycle
`when a mcrttbly periodic rates) applies, we use the average daily balance
`method )including new tracsautions(. For an explanation of either method,
`or
` about a
` interest charge calculation on
`
`statement, please call us at the toll tree customer service phone number
`listed above.
` (for
` each
`We calculate periodic interest charges separately
` purchases
`including Chase Pay Over Time plans created at
`checkout with select merchants), balance transfers, cash advances, My
`Chase Loan or overdraft advances). These calculations may combine
`different categories with the came periodic rates. Variable rates will vary
`with tIre market based on the Prime Rate or such index described in your
`Account Agreement. There is a transaction tee for each balance transfer,
`cash advance, or chock transaction in the amounts toted in pout Account
`Agreement. There is a foreign transaction tee of 3% of the U.S. dollar
`amount of any foreign transaction For some accounts For fee-based
`Chase Pay Over Time piers, llrete is a fixed monthly lee 01 OP to t 72% of
`the amount of each eligible purchase transaction or amount you select to
`pay over time with no interest Please see your Account Agreement for
`infotmutinir about these tees.
`We odd transactions and tees to your doily balance no earlier than
`1 the date of the transaction . for new purchases (including Chase
`Pay Over Time plains created at checkout with select merchants),
`
`
`
`balance transfers, cash advances, or My Chose Loans:
`2. the date the payee deposits 11:0 check . for new cash
`checks or balance translet checks;
`3. the date of a related transaction, the date they are posted to your
`account, or the last day of the billing cycle, whichever we may
`choose. for fees
`Hew To Avoid Paying Interest On Purchases:
`Your due dote will be a minimum of 21 days after the close of each billing
` Balaircn( in full each
`cycle. It you pay your account (or
`billing period by the dote and time due. no interest is charged on new
`purchases month to month Also, we will not impose interest charges on
`any portion of a purchase balance you repay while that balance is subject
`to an interest free period. Subject to any interest free period for new
`purchases, we will begin charging interest from the dote a transaction
`(including any balance transfer. cash advance or overdraft advance). tee
`or interest charge is added to your daily balance until your account is paid
`in Full. Because we apply payments in excess of your mmir:moin payment
`first to higher rote bolunoes, you may list be able to avoid interest charges
`on new purchases if you have another balance at a higher interest rat
`unless you pay your balance (or Interest 500iirg Balance) in full each
`month.
`Credit Limit:
`If you want to inquire about your options to help prevent your account from
`exceeding your credit limit. please call the number on the bock of your
`
`What To Dolt You Think You Find A Mistake On Your Statement:
`If you think there is an error on your statement, write to us on a separate
`sheet at Custo