ts)%
`
`0S
`
`(icin
`
`IN THE MONTGOMERY COUNTY MUNICIPAL COURT EASTERN DIV.
`MONTGOMERY COUNTY, OHIO
`
`PORTFOLIO RECOVERY ASSOCIATES, LLC
`120 Corporate Blvd
`Norfolk, VA 23502-9901
`PLAINTIFF
`
`HEATHER MASSEY
`5036 TAYLORSVILLE RD
`HUBER HEIGHTS, OH 45424-2448
`
`DEFENDANT
`
`CASE NO. PHCvEH SDS
`
`JUDGE:
`
`>
`= ac
`= OS
`
`COMPLAINT FOR MONEY
`
`= oO
`= 2°
`r= =8
`cn oe
`co
`2~l]
`
`~ Plaintiff PORTFOLIO RECOVERY ASSOCIATES,LLC,is a foreign Limited Liability
`1.
`. Company registered to do business in the State ofOhio and the Defendant, upon information and
`. beliefiis an individual who resided and/or maintains an address and/or domicile sufficient to allow the
`Courtto maintainjurisdiction and venue ofthis matter and action.
`.oe“AtDefendant'srequest,Defendantwasgrantedanextensionofcredit fromSYNCHRONY
`
`BANKandwhichwas issuedtoDefendant asa SAMS CLUB credit account.
` : Se
`§ ve PORTFOLIO RECOVERY ASSOCIATES,LLC,is now the ownerofsaid account, purchasing
`the{Same and entitledto allrightsas ownerthereof. See attached supporting Exhibits.
`ryetfe
`4, *
`_ Defendantis indefautt for failingto make payments.
`
`The amount due and owing on the account by the Defendant to PORTFOLIO RECOVERY
`5.
`ASSOCIATES, LLC is $1,357.72. See attached supporting Exhibits. The full account records are not
`attached hereto because, upon information and.belief, Plaintiffis not the original creditor, and copies were
`sent monthly to the Defendant, and are/were in Defendant’s possession.
`
`Although Plaintiffhas notified the Defendant of the above mentioned assignment, the Defendant
`6.
`has failed to liquidate the balance due and owing, despite due demand made by Plaintiffupon Defendant.
`
`964201
`
`

`

`yl
`
`WHEREFORE,the Plaintiffprays for a Judgmentagainst the Defendantinthe amount of
`$1,357.72 plus the court cost to which Plaintiff maybe entitled.
`
`WD)
`Sarah Veith, Esq. Bar No. 0075422
`Virginia Beth Albright, Esq. Bar No. 0087577
`James ColabianchiJr., Esq. Bar No. 0071396
`Kelly L. Williams, Esq. Bar No. 0080793
`Matthew Kunkle, Esq. Bar No. 0077683
`Robert N.Polas Jr., Esq. Bar No. 0088909
`Attorneys for Plaintiff
`Portfolio Recovery Associates, LLC
`120 Corporate Blvd.
`Norfolk, VA 23502
`Phone: 866/428-8102
`www.PRApay.com
`LitigationFilingOH@portfoliorecovery.com
`Ohio_RA@portfoliorecovery.com
`
`964201
`
`

`

`sl’ synchrony
`
`4500 Munson St NV
`Canton OH 44718, U_S.
`
`BILL of SALE
`
`PRA (SRFLXO9S) — PLCC 120 MP —January 2022
`IC:SRFLXO9S.DMPLA_DebtManager-20220121100852307155000-17123
`
`For value received and in further consideration of the mutual covenants and conditions
`set forth in the Forward Flow Accounts Purchase Agreement(the “Agreement”), dated as of this
`11" day of February, 2021 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 exceptas 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 20" of January 2022, andas further described in the Agreement.
`
`Synchrony Bank
`
`By: LsFisher(Jan28,202214:29EST)
`
`Lynne Fisher
`Title: SVP Recovery Operations
`
`RFS Holding LLC
`
`By: &Fisher(Jan28,202214:29EST)
`
`Lynne Fisher
`Title: Duly Authorized Signatory
`
`Synchrony Card Funding, LLC
`yen Fishin
`Fisher(Jan 28, 2022 14:29 EST)
`By: Lyne
`LynneFisher
`Title: Duly Authorized Signatory
`
`Retail Finance Credit Services, LLC
`teste, Zahir.
`Fisher (Jan28, 2022 14:29 EST)
`By: Lyne
`LynneFisher
`Title: Vice President
`
`

`

`AFFIDAVIT
`
`Commonwealth of Virginia
`City of Norfolk ss.
`
`I, the undersigned,
`hereby depose,affirm andstate as follows:
`
`, Custodian of Records, for Portfolio Recovery Associates, LLC
`
`1.
`
`I am competentto testify to the matters contained herein.
`
`Lam an authorized employee ofPortfolio Recovery Associates, LLC, (“Account Assignee”) whichis doing business
`2.
`at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia, and I am authorized to make the statements,
`representations and averments herein, and do so based upon a review of the business records of the Original Creditor
`SYNCHRONY BANK/SAMS CLUB andthose records transferred to Account Assignee from SYNCHRONY BANK
`(“Account Seller”), which have becomea part of and have integrated into Account Assignec’s business records, in the
`ordinary course ofbusiness.
`
`According to the business records, which are maintained in the ordinary course of business, the account, andall
`3.
`proceeds ofthe account are now ownedby the AccountAssignee,all ofthe AccountSeller’s interest in such account having
`been sold, assigned andtransferred by the AccountSeller on 01/20/2022. Further, the Account Assignee has been assigned
`all of the Account Seller's power and authority to do and perform all acts necessary for the settlement, satisfaction,
`compromise, collection or adjustment ofsaid account, and the Account Seller has retained no furtherinterest in said account
`or the proceedsthereof, for any purpose whatsoever.
`
`According to the records transferred to the Account Assignee from Account Seller, and maintainedin the ordinary
`4,
`course of business by the Account Assignee, there was due and payable from HEATHER MASSEY(“Debtor and Co-
`Debtor") to the Account Seller the sum of $1,800.31 with respect to account number ending in 9771, as of the date of
`02/21/2021 with there being no knownuncredited payments, counterclaimsor offsets against the said debtas of the date of
`the sale.
`
`According to the accountrecords ofsaid Account Assignee,after all known payments, counterclaims, and/orsetoffs
`5,
`occurring subsequentto the date of sale, AccountAssignee claims the sum of $1,357.72 as duc and owingasofthe date of
`this affidavit.
`
`Plaintiff believes that the defendant is not a minor or an incompetentindividual, and declares that the Defendantis
`6,
`not on active military service of the United States.
`‘
`
`
`
`LC
`overy Associates,
`Portfoli
`
`
`: Custodian of Records
`
`
`
`
`
`
`Tortisha Chalmers Speller
`Commonwealth of Virginia
`Notary Public
`Commission No, 8071533
`My Commission Expires October 31, 2027;
`
`
`
`
`
`

`

`HEATHER MASSEY
`AccountNumber ending in 9774
`sams club <>
`
`Ne tete en te ene eee te
`
`wanRe eT TT roy
`
`Fone ee ay anes eena ActinSt ate A Dla tbat sede «
`oeSAOTa
`
`FINANCING BY
`all? synchrony®
`
`Payment Information
`
`New Balance:
`$1,761.34
`Payments must be received by 5pm ET on
`Amount Past Due:
`$457.00
`02/18/2021if mailed, or by 11:59pm ET on
`‘Total Minimum Payment Due:
`$549.00
`02/48/2021 for online end phone payments.
`Overiimit Amount:
`$371.31
`
`Payment Duo Date:
`o2iiei202$
`
`To make a payment, please visitus online of mal
`your payment using the coupon below. Payments
`are also acceptedat your local CheckFreePay* or
`MoneyGram locations*. " Fees may apply.
`
`Leta Psyment Waming: Ifwe do not receive yourTotal Minimum Payment
`Dueby the Payment Due Date listed above, you may have to pay a late fee
`upto $39.00.
`
`Ifyou make only the minimum payment each
`Mintmum Payment Warming:
`period, you will pay more in Interest and it will take you longer to pay off
`your balance. For example:
`
`you make no
`additional charges
`using thls card
`and each month.
`
`.
`
`You will pay off.
`the balance
`shown on this
`statement in
`
`-And you wil end
`© “up paying an
`estimated total
`‘of...
`
`
`
`Only the minimum
`payment
`Hf you would like information about
`1-877-302-8775.
`
`credit counseling services,call
`
`Account Summa
`
`Previous Balanea as of 12/26/2020
`$1,687.87
`Credit Limit
`$1,390
`Fees Charged
`+ 39.00
`Avallable Credit
`$0
`Interest Charges
`434,44
`Cash AdvancefQuick Cash Limit
`$278
`-
`Avallabla Cash
`$0
`New Balance as of 01/26/2021
`$1,763.31
`32 Day Billing Cycle from 12/26/2020 to 01/26/2021
`
`Transaction Defail
`Dato
`Roeforenca #
`Description
`Amount
`
`Total Fees Charged This Period
`$39.00
`
`oie
`LATE FEE
`$39.00
`{Continued on next page)
`
`Log in or register at SamsClubCredit.com/login and sign up for alerts today.
`
`Stay on top of things
`' with AccountAlerts.
`
`(($))
`Spend
`Notifications
`7
`
`Payment
`Reminder
`
`#
`
`Available
`to Spend
`
`And
`itor
`
`6709
`
`ABI
`
`1
`
`7
`
`23°
`
`Amount
`Past Due
`$457.00
`
`HEATHER MASSEY
`§036 TAYLORSVILLE RD
`HUBER HEIGHTS OH 45424-2448
`
`EX PAGE 1 of 3
`210126
`Use blue or black Ink, Account Number
`detach & mail with your New Balance
`check. Total Minimum Payment Duo
`Payment Due Date
`Amourt ‘
`
`Encl
`No cther comespondence please.
`Print new address or emall changes on back.
`
`9277
`
`1000
`
`—|
`
`vO9S OLFM6709
`9771
`$1,761.31
`$549.00
`02/18/2021
`
`Overlimit
`Amount
`$371.31
`
`Make SAM'S CLUB/SYNCHRONY BANK
`Payment PO BOX 530942
`to: ATLANTA, GA 30353-0942
`
`

`

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

`

`samsclubo accountNumercnasrt
`
`al!syachrony*
`
`“
`
`scorer
`:
`voto
`:
`a
`=. wren
`
`indda! doer
`a
`ts
`As
`Transaction Detail (Continued)
`Dato
`Roferenco #
`Dascription
`Amount
`Total Interest Charged This Period
`$34.44
`
`01/26
`INTEREST CHARGE ON PURCHASES
`$34.44
`01/28
`INTEREST CHARGE ON CASH ADVANCES
`$0.00
`
` “Total Interest Pald”
`
`Interest Charge Calculation
`
`YourAnnual Percentage Rats (APR)is the annual interestrate on youraccount
`{v) = Variable Rete
`
`
`eeedBalance TdRats _.InterestRato Chargo
`
`
`
`|.”22.90%(v)|canaieaaanrcer[wappao |el
`
`
`
`
`Cardholder News and Information
`YOUR ACCOUNT IS PAST DUE, PLEASE PAY THE MINIMUM PAYMENT DUE OR
`CONTACTTHIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT.
`If your account has a deferred Interest promotion and you would like us to apply a payment on your account to a specific balance,
`please call Customer Service to discuss options that may be eveilable.
`NOTICE:We may converl your payment Info an electronic debit. See back of page onefor details, Biling Rights and other important
`Information,
`
`Member News andInformation
`Go green and suppost the environment with papertess statements] All you have to dois visit
`Registertoday to start receiving yourstatements online,
`
`SamsClubCroditcomogin to sign up.
`
`c
`
`etn areee Spalyey.
`
`Order 24/7 at SamsClub.com orin the mobileiapp,
`fea]ae| Pete We'll even load your carfor you.
`
`Learn more‘at SamsClub.com/pickup.
`etAbeeeeeed timefor’eT see
`«
`AR
`Synchrony Bank does not provide, endorseor guarantee any Sam's Club® services orpolicies,
`
`6709
`
`ABI
`
`1
`
`TF
`
`23
`
`210126
`
`EX PAGE 2 of 3
`
`9277
`
`1000
`
`voS9 OlFME709
`
`

`

`o
`
`sams club
`
`© Skipthie eeckout hime wth
`RYae/oa Com
`Os Usethe Sam's asae omeUlefe)7araellSavonRetee
`Justshow,your digital receipt'on the way; out!
`
`H-
`
`Download the Sams Cltib:app and)Scan &Go today. Gi esCasire
`
`Sean & Go has a $750 pre-tax, pre-Instant savings, pertransaction [imit and there are certain Items, e.g.tires, that cannot be
`
`purchasedusingScanaco,GatoSamsCluSamsClub.com/scanandgoorseeaClubassociateformoredatails.
`Synchrony Bank does not provide, endorseor guarantee anySam’sClubservices orpolicies.
`Apple, theApple logo, iPhone, and iPad atetrademarks ofApple Inc., registered Inthe U.S, and othercountries and regions,
`AppStorelsa servicemarkofApple lnc,
`Goog!e Playand the Google Play logo are tradamarks of Geogle LLC,
`
`Sam’s Club® Credit
`
`HEATHER MASSEY
`Account Numberending In 9771
`
`Visit samsclub.com/credlt or Call 1-800-964-1917
`Statement Closing Date 07/26/2020
`eeEMier>
`
`‘Payrients1must beTecelved|by‘SpmETondue date if”
`‘mailed, orby 11‘89pm ETon duedateforonlineandphone
`
`New Balance
`
`
`
`
`
`
`pment; og|Total Minimum.. . . Le . mo,
`
`
`
`
`PaymentDue*,.
`.,
`$40.00) “<7
`SY he ee a ene ee Seannstinine omen
`
`08/18/2020 |:.
`:
`Previous Balance as of 06/26/2020
`$1,487.95
`Payment
`.Due Date
`_.
`
`
`Late Payment Waring:ffwe do not receive yourTotal
`Payments
`“165.00
`Interest Charges
`+26.23
`Minimum Payment Dusbythe Payment Due Datelisted
`
`‘NewBalanceaBalance as of 07/26/2020 $1,349.24 above, you may haveto paya late fee up to $39.00.
`
`Minimum Payment Warming:If you make only the minimum
`Credit Limit
`$1,390
`Payment each period, you will pay more in Interest and it will
`Available Credit
`$40
`take youlongerto payoffyourbalance.Forexexample:
`Cash Advance/Quick Cash Limit
`$278
`Ityoumakano.
`.
`Available Cash
`$40
`additional charges
`.
`.
`balance shown on
`ayin
`
`
`StatementClosing Date 07/26/2020|vsingthiscardand * |aesantis vppaving’an
`Days InBilling Cycle
`31
`each month
`~ total of .
`you pay ...
`en
`Only the minimum
`payment
`
`To make a payment, please visit us onlin or mall your
`payment using tha coupon below. Payments are also
`accepted at yourlocal CheckFreePay* or MoneyGram
`locations". * Fees may apply.
`
`
`
`If you would like Information about
`services, call 1-877-302-8775.
`
`credit counseling
`
`Rdinlineal?bee eeeeereCeenentetney neetnene
`Date
`Tran
`Post
`Transaction Reference #
`_Description
`Amount
`06/25
`08/29
`P927700J600XS6H13
`ONLINE PAYMENT THANK YOU
`-$165.00
`FEES
`TOTAL FEES FOR THIS PERIOD
`
`$0.00
`
`(Continued on next page)
`
`Notice: We may convert your paymentInto anelectronic debit. See Statement Disclosures link on your eServices
`Statement Pagefor Gotalls, Billing Rightsand other Important!Information.
`6709
`ASH
`7
`23>
`200726
`PAGE 1
`9277
`1000
`vOS9 OLED6709
`
`Account Nenteras 3771
`scirn’s|cba
`eremme$IIO.O0
`
`HEATHER MASSEY
`5036 TAYLORSVILLE RD
`HUBER HEIGHTS OH 45424-2448
`
`Make Payment!to: SAM'S CLUB/SYNCHRONY BANK
`PO BOX 530842
`ATLANTA, GA 30353-0942
`
`

`

`
`
`
`CustomerService:For accountinformation,call the numberonthe frontofthisstatement.For HearingorSpeechdisabilities, uso aTRS. Unless your
`
`
`namels listed onthis statement, your access to Information on the account may be limited, You mayalso malt questions (but nol payments) to: P.O.
`Box
`965004, Orlando, FL 32896-5004.Piaase include your account number on al
`my comespondence you sendto us.
`fits:Send
`fs statement or
`3
`
`
`aye
`payments totheaddressfistedonthe remitlanca portion of
`eyome.
`;
`Notice: See below for your Biling Rights and other important information. Telephoning ebout billing
`errors will not preserve yourtights underfederal law,
`
`
`To preserve your rights, please write to our Billing Inquiries Address, P.O. Bax 965003, Orlando, FL 32896-5003,
`Purchases, relums, and
`ants made
`just
`prior
`{0 billing date may
`not appear until naxt month's statement When you provide a check as payment,
`youauthorizeuseitherifaeeatonfoYouchektomake&onetieeelectronicfundtransferfromyouraccountortoprocessthepaymentas
`@ check transaction. When we useInformation m your check fo make an electronic fund transfer, funds may be withdrawn from your account as soon
`s the same daywe recolve you payment, andyou will not receive yourcheck back fromyourfinancial institution. You maychoose notto have your
`by
`sending
`your
`entstub), In your own envelope
`— not the enclosed window envelope
`payment collected electron
`nt (with the
`7and
`
`notthe cpmentAderess ”
`addressedto: P.O,BoxSe0007Oana,FLYas
`
`
`What To Do #You Think You FindA Mistake On YourStafement
`incorrect. If you have a copy of the credil report that includesthe inaccurate
`Information, please Include a copy of that reporl We may report Information
`Ifyou think there is an erroron your statement, write to us at:
`Synchrony Bank
`aboutyour acoount to credit bureaus. Latepayments, tissed payments, or
`other
`defauits on your account may be refected
`In your czedit report.
`P.O. Bax 965003, Orlando, FL 32896-5003
`Balance Subject To Interest Charge Calculation
`In yourletter, give us the folowing information:
`*Accountinformation:Yourname and account number.
`Mathod 2D (Dally Balance mathod): Wefigure the interest charge on your
`ooountbyapplithe period rate tothe "daily
`balanoe*of
`youraccountfor
`Dollaramount: The dollar amount of the suspected error.
`
`each dayinthe billing cycle. We then add theinterest {o the daily balance. To
`
`+ Description ofProblem: If you think there is an error on yourbill, describe
`get the “daily balance” wo take the beginning balance of your account each
`whal you believe is wrong and why you believe it Is a mistake.
`day {which includes unpaid Interest), add any new charges, and applicable
`
`lees, and subtraclanypayments ar credis,Thisgives us the dally balance,
`You must conlacl us within 60 days afler the emor appeared on
`your statement.
`
`{rydaty balance of ss than Zero will be treated as zero. A separate daily
`bal
`wil be calculated for each balance type on your account The
`You must notify us of any potential errors in wating. You may call us, but
`balance(s) shown in the Interest Charges section ofthis statement fs the sum
`if you do we are nef required to vestigate any potential errors and you may
`of the daily balancesfor each day in the billing cycle divided by the numberof
`have to paythe amount in question.
`days in the billing cycle.
`Method 2M (Average Daily Balance including current transactions):
`are
`true;
`Wrils wa investigate whetherarnol there has beenanerror, the following
`We Sgure he inleest charge onyour aooountbyapplying the perk
`ic rate
`«Wecannottry {o collectthe amountIn question, of repartyou as definquent
`on that amount.
`fo the saverapedally balance"ofyour accounl. To get the “average daly
`balance” we
`the beginning balance of your account each day, whi
`* The charge In
`question
`remain on
`statement, and we
`Includes any unpaid Interest charges from the previous
`billing
`cycle, add any
`cortinue to charge you itered on that ana. Bui, ff wa ‘detorminethat
`newcharges, and applicable fees and subtract any paymients ofcredits, This
`we made a mistake, you will not have to pay the amount in question or any
`
`ives usthedally balance. Then, we add up all the dally balances for the
`Biting cycle and divide the tolal bythe 1
`r of days in the bliting cycle,
`interest or otherfeesrelated to that amounL
`This gives us the “average daly balance,” which is the balance shown in the
`*While you do nol have topaythe amount in question,youare responsible
`forthe remainderofyourbalarce.
`q
`ye
`fons
`Interest Charges section of this statemenL Any average daily balance of less
`than zero will be teated as zero. A separate average daily balance will be
`We can apply any unpaid amount against your creditlimiL.
`calculated for each balance type on your account.
`YourRights If You Are Dissatisfied With Your Credit Card Purchases
`Method 3M (Average Dally Balance excluding current transactions):
`{f you are dissatisfied with the goodsor services that you have purchased
`
`Wefigure the interest charge on0your account by applying the periodic rate
`with
`credit card, and you have tried fn good faith to correct the problem
`to the “average daily balance”ofyour account To gelfhe‘averageday
`withthemerchant, you may have the right nol to pay the remaining amount
`balance" we lake the beginning ba‘ance of your account each day
`whi
`due on the purchase.
`includesanyunpaid interest charges from the previous billing cycle and add
`To use this right, all ofthe following must be true:
`applicable fees, and sublracl any payments or credils. We do nol addin any
`4, The purchase must have been made in your homestate or within 100
`new charges. This gives us the daily balance, Then, we add upall the dally
`miles ofyour current mailing address, and the purchase price must have been
`balances forthebilling cycle and divide the total bythe numberof days in the
`more than $50. (Note: Neitherof thesa are necessary if your purchasa was
`billing
`cycle. This gives us the “averagedaily balance,” whichIs the balance
`shown in the Interest Charges section af this statemenL Any average daly
`based on an advertisement we mailed to you, or if we own fhe companythat
`balance of fess than zero will be treated as zero. A separala average dally
`said you the goodsor services.)
`balance wil be calculated for each balance type on your account,
`se, Purchases made
`2. You must have used yourcredit card for the
`wilh cash advancesfrom an ATM or wilh a chi
`Method 5 (Average Daily Balance excluding current transactions and
`thal accesses yourcredit
`unpaid interest charges); We figure the interest charge on your accourtt
`card account do not qualify.
`3. You must not yethave fully paid forthe purchase,
`y applying the periodicrate to the ‘average daily balance" of
`youraccount
`
`
`© get the “average daily balance” welakethe beginning bal of your
`It all of the criteria above are met and you are stil dissatisfied with the
`account each day, add applicable fees and subtract any
`nts, credits
`purchase, contact usin writing at:
`and unpaid interest charges from the previous biling
`cycle.
`We do nat add
`Synchrony Bank
`in ary new charges. This gives us the daily balance,
`Then, we add upall the
`P.O. Box 965003, Orlando, FL 32896-5003
`daily
`S for the billing cycla and divide the lotal by the numberof days
`in the billing cycle, This gies us the “average daily balance,” which is the
`White we investigate, the same tutes apply to tha isputed amount as
`balance shownin the Interest
`Charges section ef this statemenl Any average
`discussed above.
`Aflerwe finish ourinvestigation,wewil tell youourdecision.
`daily balance of less than zerowillbe treated as zero, A separate average
`Atthat point, ifwe think you owe an amount and you do not paywe may report
`daiy batance will be calculated for each balance type on your account.
`you as delinquent.
`Method 6 (Average Dally Balance including current transactions and
`at any tme pay, in whole
`information About Payments: You may
`excluding unpaid Interest charges): Wefigure theInterest charge on your
`orIn part, the (otal unpaid balance without any additfonal charge for
`applying the periodic rate to the “average daily
`balance” of your
`prepayment Payments recelyed afler 5:00 p.m. (ET) on any day will be
`To get the “average dally balance*we lake tha ging balance
`account
`ibem0)
`of your accounl each day, add any new charges and applicable fees and
`Sutraanypayments, erediisand unpad interestchargesfrom the previous
`billing cycle,Thisgives us the daily balance. Then, we add up all the daily
`isnolaccompaniedbytheremittancecouponattachedto
`yourstatement,
`balancesfor thebilling cycle and divide thetotal bythe numberof days in the
`’
`nt oF remittance coupon, {6}
`is not received
`billing cycle, This gives us the “average dally balance,” whichis the balance
`the remittance envelape providedor (f} includes staples, paper clips, tape,
`shown in the Interest Charges section of this statemenl Any average daily
`a folded check, ar comespondence of any t
`All
`balance of less than zero will be treated as zero. A separate average daly
`writen communications
`i
`amounts, including
`any check
`or other payment instrumentthat 1 indicates that the payment constitutes
`balance wil be calculated for each balance type on youraccourt,
`Peyment in fulP or Is tendered asfull satisfaction of a disputed amount or
`
`BankruptcyNotice: Ifyoufile bankruptcy musisend us notice,including
`umberandall information related
`fo the proceeding to the fallawing
`(is
`tenderedwith ctherconditions or imitations (Disputed
`Payments"), must
`be mailed or defiveradto us at P.O. Box 965003, Odanda, FL 32896-5003.
`address: Sn Bank, Aitn: Bankruptcy Dept. P.O. Box 965060,
`Ortando, FL 32896-5060.
`Credits To Your Account: An amount shown In parentheses or
`precedad
`by a minus (-) sign is a credil or credit balance untess otherwise
`indicated.
`Youraccount Is owned and serviced by Synchrony Bank,
`Credits will be appliedto your previous balance immediately upon receipt, but
`will not satisfy any required payment that may be due.
`Credit Reports And Account information: If you believe that we have
`Teporled inaccurale information about you to a consumer reporting agency,
`Please conlacl us at P.O, Bax 965005, Orlando, FL 32896-5005. In doing
`0, please idenlify the inaccurate information and tell us why you believe iis
`
`This is an aftempl to collect a debi and any information obtained wili be used for that purpase.
`
`ichrony Bank and any other owner or servicer of your account cantacting
`you consent to
`“By providing a telephone number on your account,
`je numbers you provide, and you consentto the use of any automatic
`Information orcel
`yeu about
`account, Including using any contact
`lephonediafing system and/oranartificial or prerecorded voice when contacting you, evenIf you are chargedfor the call under your phaneplan,
`Far changes ofaddress, phone numberand/or email, please check the box and prini the changes below.
`
`[]
`
`Street
`eases
`zp.Phone #
`Email ——_—
`Home Phone #
`
`“Coil # orother phone #
`we can use fo contact you
`By providing your email address, you agree to receive email communications aboutyour account
`and also give us permission for us to share your email address with Sam’s Club.
`
`Business Phone #
`
`Email Address
`
`

`

`”
`
`oaneROe
`
`- Thank You.
`
`valuable memberslike you.
`
`You make our business.possible.
`We couldn't doitwithout=*
`
`Sam’s Club® Credit
`
`HEATHER MASSEY
`Account Number ending In 9771
`
`07/26
`07/26
`
`07/26
`07/26
`
`
`Statement Closing Date 07/26/2020
`Visit samsciub.com/credit or Call 1-800-964-1917
`
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`Post
`Transaction Reference #
`Description
`Amount
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`TOTAL INTEREST FOR THIS PERIOD
`2020 Year-to-Date Fees and Interest
`
`$26.29
`$0.00
`$26.29
`
`aTotalInterest Pad.
`
`
`
`
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`Eligible card purchases maybe billed underone ofthe following promotions: Nointerest If Paid in Full within 6, 12,18, 24 or 36
`months. Undereachof these promotions, if the promotional balance Is not pald in full within the promotional period,Interestwill
`be imposed from the date of purchase at a rate of 22.90%. If a (v) Is shown after your APRin the Interest Charge Calculation
`section of this billing statement, the APRis a variablerate and wil) vary with the market based on the Prime Rate. Minimum
`monthly payments ara required. See promotional advertising for further details.
`Eligible card purchases maybebilled under oneofthefollowing pramotions: NoInterest for 6, 12, 18, 24 or 36 months. For
`each promotion, after the promotion ends, a 22.90% APR will apply. ff a (v) is shown after your APRin the Interest Charge
`Calculation section of this billing statement, the APRis a variable rate and will vary with the market based on the Prime Rate.
`Minimum monthly payments are required. See promotional advertising for furtherdetails.
` foe, =n aetnapthiy Antacemmay meee pommelmy
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`Your Annua! Percentage Rate (APR)is the annual interest rate on your account.
`-Type of
`Expiration}, Annual ~
`Balance Subject to
`
`:
`Balarice-_
`Date.
`|| Percentage Rate |
`Interest Rate:
`
`
`(v) = variable rate
`|, Balance,
`“ Methed:
`
`°
`
`interest’
`Charge.
`
`.
`
`As the impact of COVID-19 continues to evolve, we remain focused on the health and safety of cur employees and our
`communities, as well as our commitment to you, cur members.In an effort to further reduce the number of member touchpalnts
`with devices, and to exercise caution during this public health crisis, we are temporarily disabling the cash-back-with-purchase
`functionality for the Sam's Clut® credit card at Sam's Club and Walmatt registers.
`Weare also aware that some of our customers may experience financial hardship as a result of COVID-19. f you are
`impacted, please cantact us to discuss how we can help.
`if your account has a deferred interest promotion and you wouldlike us to apply a payment on your account to a specific
`balance, please call Customer Service to discuss options that may be avallable,
`Synchrony Bank may continue to obtain information,including employmentand incomeinformation from others about you
`(including requesting reparts from consumerreporting agencies and other sources) to review, maintaln er collect your account.
`
`—|
`
`wee meee
`~*
`nF te oP yeite ee wire!
`tore ae
`-
`tay “ —
`in Arye ater. to ee ’
`Interestedin changing yourdue datefor}your“Sam‘Ss cube®creditcard account? CailtheCreditCustomer‘Servicephone
`number, located on yourbilling statement and on the back of your Sam's Club® credit card, to determine eligibility and discuss
`avaliable options.
`
`6709
`
`ASE
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`1
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`7
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`PAGE 2 of 5
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`

`

`qf! synchrony”
`
`We're here to help.
`
`Duringthis difficult time, we want to assure
`you weare here to supportyou.
`
`Ifyou are impacted orunableto findwhat you need -
`through ourdigital channels, please call the number
`on the backofyour card to discuss how we can help.
`
`
`
`Here are someof the available online tools
`and resources to help you manage your
`Sam's Club’ Credit Card account— anytime.
`
`Registeror log in to your accountat
`samsclub.syf.com.
`
`(s) Make Payments
`(($)) CheckyourBalance
`[=3 View Account
`Activity
`
`eg) Set up Autopay
`/\ Signupfor
`Account Alerts
`10 And More!
`
`Visit samsclubcredit.com/FAQ for
`answersto frequently asked questions.
`
`
`
`aga
`
`2
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`7°
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`23° 200726
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`PAGB 4 of S$
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`9277
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`oO1E05709
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`