Electronically Filed
`3/20/2025 9:27 AM
`Crow, Kelly N.
`Justice of the Peace, Pct 1 Place 1
`Fort Bend County, Texas
`
`CAUSE NO. 24-JDC11-02803
`
`AMERICAN EXPRESS NATIONAL BANK
`
`
`Plaintiff
`
` vs.
`
`SAM SALEH
`Defendant
`
`§
`§
`§
`§
`§
`§
`§
`§
`§
`§
`
`IN THE JUSTICE COURTS
`
`OF FORT BEND COUNTY, TEXAS
`
`PRECINCT 1 PLACE 1
`
`
`
`PLAINTIFF’S NOTICE OF FILING
`
`TO THE HONORABLE JUDGE OF SAID COURT:
`
`NOW COMES PLAINTIFF, AMERICAN EXPRESS NATIONAL BANK, and files its
`
`business records pursuant to the Texas Rules of Evidence 902(10) in the above styled and
`
`numbered cause of action.
`
`
`
`
`
`
`
`Respectfully submitted by:
`
`
`
`
`Johnetta Lang, Esq
`State Bar No. 24036943
`txpleadings@aexp.com
`Attorney for Plaintiff
`American Express Legal
`2401 Fountain View Drive Suite 306
`Houston, Texas 77057
`T: (832) 509-0023
`F: (346) 240-3751
`
`
`
`
`The undersigned hereby certify that a copy of the foregoing pleading was served to all
`
`CERTIFICATE OF SERVICE
`
`parties according to Rule 21a of the Texas Rules of Civil Procedure this the
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`, 202___.
`
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`
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`Johnetta Lang
`
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`
`
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`day of
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`.
`
`

`

`CAUSE NO. 24-JDC11-02803
`
`AMERICAN EXPRESS NATIONAL BANK §=INTHE JUSTICE COURTS
`§
`
`§ §
`
`Plaintiff
`
`
`
`OF FORT BEND COUNTY, TEXAS
`
`PRECINCT 1 PLACE 1
`
`§§
`
`§
`3
`§
`
`VS.
`
`SAM SALEH
`Defendant
`
`BUSINESS RECORDS AFFIDAVIT
`
`Before me, the undersigned authority, personally appeared Mehdi Touhidi, who, being by me duly
`swom, deposed as follows:
`
`“My name is Mehdi Touhidi, I am of sound mind, capable of makingthis affidavit, and personally
`acquainted with the facts herein stated:
`
`I am the Custodian of Records for American Express National Bank!, (“American Express”)
`Plaintiff in the above-styled and numbered cause. Attached hereto are 86 pages of records from
`American Express. These said 86 pages of records are kept by American Express in the regular
`course of business, and it was the regular course of business of American Express for an employee
`or a representative of American Express, with knowledge of the act, event, condition, opinion, or
`diagnosis recorded to make the record or to transmit information thereof to be included in such
`record; and the record was made at or near the time or reasonably soon thereafter. The records
`attached hereto are the original or exact duplicates of the original.
`
`Furtheraffiant sayeth naught.”
`
`éhdi Touhidi
`
`
`
`
`
`D beforeme ontheIdayof
`
`
`My Commission Expires:
`
`
`COLETTE B COBIANCHI
`¥
`NOTARY PUBLIC
`
`seed
`STATE OF NEW JERSEY
`ID # 238079]
`MY COMMISSION EXPIRES DEC.
`} 1, 2028
`
`
`
`
`
`
`‘On April 1, 2013, American Express Centurion Bank changed its name to American Express National Bank and American Express Bank FSB, merged with American Express
`Naticnal Bank with American Express National Bank as
`the surviving enriry afier
`the merger,
`See, htips-/fwww.oce.treas.govitopics/liccnsing/imlerpretations-and-
`actions/2¢) | 8/interpretations-and-actions-jan-2018.html. See also, 12 U.S.C. 3 35; 12 CFR 5.24 and 12 U.S.C. § 1828 et seq.
`
`TX_BRCAENB_002
`
`

`

`
`
`American Express
`Global Collections and Strategy Legal Group
`200 Vesey Street
`New York, NY 10285
`Mailcode 01-43-03
`
`
`
`
`
`
`
`February 1, 2024
`Account Number: XXXXXXXXXX
`Account Balance: $10,374.13
`
`
`
`
`
`Dear Sam Saleh:
`
`We are contacting you regarding the unpaid balance on the above-referenced account. Your current unpaid balance is $10,374.13.
`
`American Express has a range of payment options that may be available to assist you. We understand that times are challenging right now
`and we are committed to working with you to try to identify a solution to resolve your balance. If you have any questions or wish to discuss
`payment arrangements, you can contact one of our non-attorney account managers at 877-305-0433. We are available Monday through
`Friday, 8:00am to 9:00pm EST. We urge you to contact us as soon as possible to explore possible payment solutions.
`
`If you are represented by an attorney, your attorney may contact this office at 877-305-0433.
`
`Payments should be made payable to:
`Send Correspondence to:
`
`
`American Express Legal
`American Express Legal
`
`
`P.O. Box 278
`P.O. Box 278
`
`
`Ramsey, NJ 07446-0278
`Ramsey, NJ 07446-0278
`
`
`
`You may also pay by computer at www.americanexpress.com/waytopay.
`
`While it remains our hope to resolve this matter with you, we reserve the right to continue our collection efforts, which may include but is
`not limited to, telephone calls, e-mail, letters and/or the commencement of litigation, unless we have reached a payment arrangement with
`you. Again, we urge you to contact us to discuss what type of payment arrangement may work for you.
`
`Sincerely,
`
`American Express Legal
`
`
`
`P.O. BOX 278
`RAMSEY NJ 07446-0278
`
`FDTFATTFDFDFFFAAADFATDAFDATFFTDDAFFFFTDTFTDTTTFTFTTFTTFAFAFFTFAFT
`SAM SALEH
`
`
`
`
`
`
`

`

`Business Platinum Card
`MASTER MAIDS SERVICE
`SAM SALEH
`Closing Date 10/21/22
`Account Ending
`
`Next Closing Date 11/20/22
`
`New Balance
`Minimum Payment Due
`
`Payment Due Date
`
`$10,284.17
`$350.00
`
`11/15/22
`
`Late Payment Warning:
` If you do not pay the Minimum Payment Due by the
`Payment Due Date of 11/15/22 , you may have to pay a late fee of $39.00 and
`your Pay Over Time APR may be increased to the Penalty APR of 29.99 %.
`
`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 Pay Over Time
`balance. For example:
`
`If you make no additional
`charges and each month you
`pay...
`
`You will pay off the balance
`shown on this statement in
`about...
`
`And you will pay an
`estimated total of...
`
`Only the
`Minimum Payment Due
`
`$419
`
`23 years
`
`3 years
`
`$30,678
`
`$15,086
`(Savings = $15,592)
`
`If you would like information about credit counseling services, call 1-888-733-4139.
`
`See page 2 for important information about your account.
`
`Please refer to the
`page 5.
`
`IMPORTANT NOTICES
`
` section on
`
`For information on your Pay Over Time feature and limit, see
`
`page 4
`
`Please note, your preset spending limit is $11,200.00. You have spent
`$10,284.17.
`
`p. 1/5
`
`Customer Care:
`TTY:
`Website:
`
`1-800-492-8468
`Use Relay 711
`americanexpress.com
`
`Membership Rewards® Points
`Available and Pending as of 09/30/22
` 48,939
`For up to date point balance and full program
`membershiprewards.com
`details, visit
`
`Account Summary
`
`Pay In Full Portion
`Previous Balance
`Payments/Credits
`New Charges
`Fees
`New Balance
`
`=
`
`Pay Over Time Portion
`Previous Balance
`Payments/Credits
`New Charges
`Fees
`Interest Charged
`New Balance
`Minimum Due
`
`=
`
`Account Total
`Previous Balance
`Payments/Credits
`New Charges
`Fees
`Interest Charged
`
`$39.00
`-$39.00
`+$0.00
`+$0.00
`$0.00
`
`$9,638.78
`-$339.00
`+$734.24
`+$0.00
`+$250.15
`$10,284.17
`$350.00
`
`$9,677.78
`-$378.00
`+$734.24
`+$0.00
`+$250.15
`
`New Balance
`Minimum Payment Due
`
`$10,284.17
`$350.00
`
`Pay Over Time Limit
`Available Pay Over Time Limit
`Days in Billing Period: 31
`
`$10,900.00
`$615.83
`
`Please fold on the perforation below, detach and return with your payment
`
`(
`
`(
`
`Payment Coupon
`Do not staple or use paper clips
`
`Pay by Computer
`americanexpress.com/
`business
`
`Pay by Phone
`1-800-47
`297
`
`Account Ending
`Enter 15 digit account # on all payments.
`Make check payable to American Express.
`
`SAM SALEH
`MASTER MAIDS SERVICE
`
`See reverse side for instructions
`on how to update your address,
`phone number, or email.
`
`AMERICAN EXPRESS
`PO BOX 6031
`CAROL STREAM IL 60197-6031
`*601976031313*
`
`Payment Due Date
`11/15/22
`New Balance
`$10,284.17
`Minimum Payment Due
`$350.00
`
`$
`
`.
`
`Amount Enclosed
`
`

`

`SAM SALEH
`
`Account Ending
`
`p. 2/5
`
`Your payment must be sent to the payment address shown onPayments:
`
`your statement and must be received by 5 p.m. local time at that address to
`be credited as of the day it is received. Payments we receive after 5 p.m. will
`not be credited to your Account until the next day. Payments must also: (1)
`include the remittance coupon from your statement; (2) be made with a
`single check drawn on a US bank and payable in US dollars, or with a
`negotiable instrument payable in US dollars and clearable through the US
`banking system; and (3) include your Account number. If your payment
`does not meet all of the above requirements, crediting may be delayed and
`you may incur late payment fees and additional interest charges. Electronic
`payments must be made through an electronic payment method payable
`in US dollars and clearable through the US banking system. Please do not
`send post-dated checks as they will be deposited upon receipt. Any
`restrictive language on a payment we accept will have no effect on us
`without our express prior written approval. We will re-present to your
`financial institution any payment that is returned unpaid.
`(1) When you send a check forPermission for Electronic Withdrawal:
`
`payment, you give us permission to electronically withdraw your payment
`from your deposit or other asset account.
` We will process checks
`electronically by transmitting the amount of the check, routing number,
`account number and check serial number to your financial institution,
`unless the check is not processable electronically or a less costly process is
`available. When we process your check electronically, your payment may
`be withdrawn from your deposit or other asset account as soon as the same
`day we receive your check, and you will not receive that cancelled check
`with your financial account statement. If we cannot collect the funds
`electronically we may issue a draft against your deposit or other asset
`account for the amount of the check. (2) By using Pay By Computer, Pay By
`Phone or any other electronic payment service of ours, you give us
`permission to electronically withdraw funds from the deposit or other asset
`account you specify in the amount you request. Payments using such
`services of ours received after 8:00 p.m. MST may not be credited until the
`next day.
`We use the Average Daily Balance (ADB)How We Calculate Your Balance:
`
`method (including new transactions) to calculate the balance on which we
`charge interest for Pay Over Time balances on your Account. Call the
`Customer Care number on page 3 for more information about this balance
`computation method and how resulting interest charges are determined.
`The method we use to calculate the ADB and interest results in daily
`compounding of interest.
`If you have a Pay Over Time balance, yourHow to Avoid Paying Interest:
`
`due date is at least 25 days after the close of each billing period. We will not
`charge interest on charges added to a Pay Over Time balance if you pay the
`Account Total New Balance by the due date each month.
`Foreign Currency Charges:
`If you make a Charge in a foreign currency, we
`will convert it into US dollars on the date we or our agents process it. We
`will choose a conversion rate that is acceptable to us for that date, unless a
`particular rate is required by law. The conversion rate we use is no more
`than the highest official rate published by a government agency or the
`
`highest interbank rate we identify from customary banking sources on the
`conversion date or the prior business day. This rate may differ from rates in
`effect on the date of your charge. Charges converted by establishments will
`be billed at the rates such establishments use.
`A credit balance (designated CR) shown on this statementCredit Balance:
`
`represents money owed to you. If within the six-month period following
`the date of the first statement indicating the credit balance you do not
`request a refund or charge enough to use up the credit balance, we will
`send you a check for the credit balance within 30 days if the amount is
`$1.00 or more.
`Credit Reporting:
`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.
`Billing Dispute Procedures
`What To Do If You Think You Find A Mistake On Your Statement
`If you think there is an error on your statement, write to us at:
`American Express, PO Box 981535, El Paso TX 79998-1535
`In your letter, give us the following information:
`
`- Account information:
`Your name and account number.
`
`- Dollar amount:
`The dollar amount of the suspected error.
`
`- Description of Problem:
`Describe what you believe is wrong and why you
`believe it is a mistake.
`You must contact us:
`- Within 60 days after the error appeared on your statement.
`- At least 2 business days before an automated payment is scheduled, if you
`want to stop payment on the amount you think is wrong.
`You must notify us of any potential errors in writing. You may call us, but if
`you do we may not follow these procedures and you may have to pay the
`amount in question.
`What Will Happen After We Receive Your Letter
`When we receive your letter, we will do two things:
`1. Within 30 days of receiving your letter, we will tell you that we received
`your letter. We will also tell you if we have already corrected the error.
`2. We will investigate your inquiry and will either correct the error or
`explain to you why we believe the bill is correct.
`While we investigate whether or not there has been an error:
`- We will not try to collect the amount in question.
`- The charge in question may remain on your statement, and we may
`continue to charge you interest on that amount.
`- While you do not have to pay the amount in question, you are responsible
`for the remainder of your balance.
`- We can apply any unpaid amount against your credit limit.
`After we finish our investigation, one of two things will happen:
`- If we made a mistake: You will not have to pay the amount in question or
`any interest or other fees related to that amount.
`- If we do not believe there was a mistake: You will have to pay the amount
`in question, along with applicable interest and fees. We will send you a
`statement of the amount you owe and the date payment is due. We may
`report you as delinquent if you do not pay the amount we think you owe.
`
`Change of Address, phone number, email
`
`-
`www.americanexpress.com/updatecontactinfo
`Online at
`-
`Via mobile device
`-
`Voice automated: call the number on the back of your card
`-
`For name, company name, and foreign address or phone changes, please call Customer Care
`
`Please do not add any written communication or address change on this stub
`
`Pay Your Bill with AutoPay
`Deduct your payment from your bank
`account automatically each month.
`-
`Avoid late fees
`-
`Save time
`
`
`Visit americanexpress.com/autopay
`today to enroll.
`
`For information on how we protect your
`privacy and to set your communication
`and privacy choices, please visit
`www.americanexpress.com/privacy.
`
`

`

`Business Platinum Card
`MASTER MAIDS SERVICE
`SAM SALEH
`Closing Date 10/21/22
`
`Customer Care & Billing Inquiries
`International Collect
`Express Cash
`Large Print & Braille Statements
`
`1-800-492-8468
`1-623-492-7719
`1-800-CASH-NOW
`1-800-492-8468
`
`Hearing Impaired
`americanexpress.com
`Online chat at
`
` or use
`
`Relay dial 711
`
` and
`
`1-800-492-8468
`
`p. 3/5
`
`Account Ending
`
`
`
`Website: americanexpress.com
`
`Customer Care
`& Billing Inquiries
`P.O. BOX 981535
`EL PASO, TX
`79998-1535
`
`Payments
`PO BOX 6031
`CAROL STREAM IL
`60197-6031
`
`Pay In Full
`-$39.00
`$0.00
`-$39.00
`
`t
`
`Pay Over Time
`-$339.00
`$0.00
`-$339.00
`
`Total
`-$378.00
`$0.00
`-$378.00
`
`Amount
`
`-$378.00
`
`Pay In Full
`$0.00
`
`Pay Over Time
`$734.24
`
`t
`
`Total
`$734.24
`
`t
`
` - denotes Pay Over Time activity
`
`t t t
`
`Amount
`
`$113.00
`
`$94.17
`
`$527.07
`
`Amount
`
`$0.00
`
`Continued on reverse
`
`KATY
`
`HOUSTON
`
`HOUSTON
`
`TX
`
`TX
`
`TX
`
`Payments and Credits
`
`Summary
`
`Payments
`Credits
`Total Payments and Credits
`
`Detail
`
`Payments
`10/10/22*
`
`*Indicates posting date
`
`ONLINE PAYMENT - THANK YOU
`
`New Charges
`
`Summary
`
`Total New Charges
`
`Detail
`
`SAM SALEH
`Card Ending
`
`H-E-B
`9999999999
`RESTAURANT DEPOT 569
`713-864-7500
`RESTAURANT DEPOT 569
`713-864-7500
`
`10/14/22
`
`10/14/22
`
`10/14/22
`
`Fees
`
`Total Fees for this Period
`
`

`

`SAM SALEH
`
`Account Ending
`
`p. 4/5
`
`Interest Charged
`
`10/21/22
`
`Interest Charge on Pay Over Time Purchases
`
`Total Interest Charged for this Period
`
`Amount
`
`$250.15
`
`$250.15
`
`About Trailing Interest
`You may see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called
`"trailing interest". Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that
`happens, we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest
`on purchases by paying your balance in full and on time each month. Please see the "When we charge interest" sub- section in your
`Cardmember Agreement for details.
`
`2022 Fees and Interest Totals Year-to-Date
`
`Total Fees in 2022
`
`Total Interest in 2022
`
`Interest Charge Calculation
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`
`Introductory Pay Over Time
`Rate Expires 03/21/2023 then will go to 25.24% (v)
`
`Pay Over Time option
`Total
`(v) Variable Rate
`
`Information on Pay Over Time
`
`Annual
`Percentage Rate
`
`Balance Subject
`to Interest Rate
`
`29.99% (v)
`
`$9,816.78
`
`29.99% (v)
`
`$0.00
`
`Amount
`$812.00
`
`$1,572.12
`
`Interest
`Charge
`
`$250.15
`
`$0.00
`
`$250.15
`
`Pay Over Time Limit
`We may approve or decline a charge
`There is a limit to your Pay Over Time feature balance. Your Pay Over Time Limit is
`$10,900.00.
`regardless of whether your Card account balance exceeds or does not exceed your Pay Over Time Limit. You must pay in full all
`charges that are not placed into a Pay Over Time balance by the Payment Due Date.
`
`Available Pay Over Time Limit
`Your Available Pay Over Time Limit is $615.83 and is accurate as of your statement date. This Limit is the remaining amount that you
`can add to your Pay Over Time balance. The Available Pay Over Time Limit amount is calculated by subtracting your Pay Over Time
`balance from your Pay Over Time Limit. If you have a preset spending limit on your account that is less than your Pay Over Time Limit,
`you may not be able to use some or all of your Available Pay Over Time Limit.
`
`Pay Over Time Setting: ON
`The setting indicated above is accurate as of your statement closing date. For the most up to date setting, please refer to your online
`account. If your setting is On, eligible charges will be placed in your Pay Over Time balance up to your Pay Over Time Limit. If your
`setting is Off, all charges will be added to your Pay In Full balance and no new charges will be included in your Pay Over Time balance.
`If you have an existing Pay Over Time balance, you can continue to pay this off over time with interest, as long as you pay your
`minimum due each month by your Payment Due Date.
`
`

`

`MASTER MAIDS SERVICE
`SAM SALEH
` IMPORTANT NOTICES
`
`Closing Date 10/21/22
`
`p. 5/5
`Account Ending
`
`EFT Error Resolution Notice
`In Case of Errors or Questions About Your Electronic Transfers Telephone us at 1-800-IPAY-AXP for Pay By
`Phone questions, at 1-800-528-2122 for Pay By Computer questions, and at 1-800-528-4800 for AutoPay and at
`1-800-CASH NOW for Express Cash questions. You may also write us at American Express, Electronic Funds
`Services, P.O. Box 981531, El Paso TX 79998-1531, or contact us online at
`www.americanexpress.com/
`inquirycenter as soon as you can, if you think your statement or receipt is wrong or if you need more information
`about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the
`FIRST statement on which the error or problem appeared.
`1. Tell us your name and account number (if any).
`2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you
`believe it is an error or why you need more information.
`3. Tell us the dollar amount of the suspected error.
`We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to
`do this, we will credit your account for the amount you think is in error, so that you will have the use of the money
`during the time it takes us to complete our investigation.
`
`Your Cardmember Agreement
`To access the most up to date version of your Cardmember Agreement, please log in to your Account at
`www.americanexpress.com
`.
`
`The Centurion Lounge Guest Access Policy
`®
`Effective February 1, 2023
`, U.S. Basic Platinum Card , U.S. Basic Business Platinum Card Members and any
`®
`®
`Additional Platinum Card Members will be charged a $50 USD fee for each guest over 17 years of age (or $30
`USD for children aged 2 through 17, with proof of age) per visit to locations of The Centurion Lounge in the U.S.,
`at Hong Kong International Airport, and at London Heathrow Airport. U.S. Basic Platinum Card and U.S. Basic
`®
`Business Platinum Card Members and any Additional Platinum Card Members on the Account will qualify for
`®
`Complimentary Guest Access for up to two guests per visit after spending $75,000 USD or more in total eligible
`purchases on the Account between January 1, 2022 and December 31, 2022 and in each calendar year
`thereafter. "Complimentary Guest Access" means that Platinum Card Members and Additional Platinum Card
`Members on the Account may bring up to two (2) guests per visit per Card Member (regardless of whether you
`are eligible for Complimentary Guest Access through more than one Platinum Card Account) into locations of The
`Centurion Lounge in the U.S., at Hong Kong International Airport, and at London Heathrow Airport for no per-visit
`guest fee, for the remainder of the calendar year in which Complimentary Guest Access became effective, the
`following calendar year and until January 31 of the next calendar year. For more information, visit:
`thecenturionlounge.com/info/terms
`
`Departures
`Your Business Platinum Card membership gives you access to the exclusive Departures world, which includes
`®
`º
`original stories told from unexpected perspectives, found only on Departures.com.
`
`
`End of Important Notices.
`
`

`

`Business Platinum Card
`MASTER MAIDS SERVICE
`SAM SALEH
`Closing Date 11/20/22
`Account Ending
`
`Next Closing Date 12/21/22
`
`New Balance
`Minimum Payment Due
`
`Payment Due Date
`
`$10,228.96
`$394.00
`
`12/15/22
`
`Late Payment Warning:
` If you do not pay the Minimum Payment Due by the
`Payment Due Date of 12/15/22 , you may have to pay a late fee of $39.00 and
`your Pay Over Time APR may be increased to the Penalty APR of 29.99 %.
`
`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 Pay Over Time
`balance. For example:
`
`If you make no additional
`charges and each month you
`pay...
`
`You will pay off the balance
`shown on this statement in
`about...
`
`And you will pay an
`estimated total of...
`
`Only the
`Minimum Payment Due
`
`$417
`
`23 years
`
`3 years
`
`$30,912
`
`$15,014
`(Savings = $15,898)
`
`If you would like information about credit counseling services, call 1-888-733-4139.
`
`See page 2 for important information about your account.
`
`Please refer to the
`page 5.
`
`IMPORTANT NOTICES
`
` section on
`
`For information on your Pay Over Time feature and limit, see
`
`page 4
`
`Please note, your preset spending limit is $11,200.00. You have spent
`$10,228.96.
`
`p. 1/5
`
`Customer Care:
`TTY:
`Website:
`
`1-800-492-8468
`Use Relay 711
`americanexpress.com
`
`Membership Rewards® Points
`Available and Pending as of 10/31/22
` 50,633
`For up to date point balance and full program
`membershiprewards.com
`details, visit
`
`Account Summary
`
`Pay In Full Portion
`Previous Balance
`Payments/Credits
`New Charges
`Fees
`New Balance
`
`=
`
`Pay Over Time Portion
`Previous Balance
`Payments/Credits
`New Charges
`Fees
`Interest Charged
`New Balance
`Minimum Due
`
`=
`
`Account Total
`Previous Balance
`Payments/Credits
`New Charges
`Fees
`Interest Charged
`
`New Balance
`Minimum Payment Due
`
`Pay Over Time Limit
`Available Pay Over Time Limit
`Days in Billing Period: 30
`
`$0.00
`-$0.00
`+$0.00
`+$39.00
`$39.00
`
`$10,284.17
`-$350.00
`+$0.00
`+$0.00
`+$255.79
`$10,189.96
`$355.00
`
`$10,284.17
`-$350.00
`+$0.00
`+$39.00
`+$255.79
`
`$10,228.96
`$394.00
`
`$10,900.00
`$710.04
`
`Please fold on the perforation below, detach and return with your payment
`
`(
`
`(
`
`Payment Coupon
`Do not staple or use paper clips
`
`Pay by Computer
`americanexpress.com/
`business
`
`Pay by Phone
`1-800-472-9297
`
`Account Ending
`Enter 15 digit account # on all payments.
`Make check payable to American Express.
`
`SAM SALEH
`MASTER MAIDS SERVICE
`
`See reverse side for instructions
`on how to update your address,
`phone number, or email.
`
`AMERICAN EXPRESS
`PO BOX 6031
`CAROL STREAM IL 60197-6031
`*601976031313*
`
`Payment Due Date
`12/15/22
`New Balance
`$10,228.96
`Minimum Payment Due
`$394.00
`
`$
`
`.
`
`Amount Enclosed
`
`

`

`SAM SALEH
`
`Account Ending
`
`p. 2/5
`
`Your payment must be sent to the payment address shown onPayments:
`
`your statement and must be received by 5 p.m. local time at that address to
`be credited as of the day it is received. Payments we receive after 5 p.m. will
`not be credited to your Account until the next day. Payments must also: (1)
`include the remittance coupon from your statement; (2) be made with a
`single check drawn on a US bank and payable in US dollars, or with a
`negotiable instrument payable in US dollars and clearable through the US
`banking system; and (3) include your Account number. If your payment
`does not meet all of the above requirements, crediting may be delayed and
`you may incur late payment fees and additional interest charges. Electronic
`payments must be made through an electronic payment method payable
`in US dollars and clearable through the US banking system. Please do not
`send post-dated checks as they will be deposited upon receipt. Any
`restrictive language on a payment we accept will have no effect on us
`without our express prior written approval. We will re-present to your
`financial institution any payment that is returned unpaid.
`(1) When you send a check forPermission for Electronic Withdrawal:
`
`payment, you give us permission to electronically withdraw your payment
`from your deposit or other asset account.
` We will process checks
`electronically by transmitting the amount of the check, routing number,
`account number and check serial number to your financial institution,
`unless the check is not processable electronically or a less costly process is
`available. When we process your check electronically, your payment may
`be withdrawn from your deposit or other asset account as soon as the same
`day we receive your check, and you will not receive that cancelled check
`with your financial account statement. If we cannot collect the funds
`electronically we may issue a draft against your deposit or other asset
`account for the amount of the check. (2) By using Pay By Computer, Pay By
`Phone or any other electronic payment service of ours, you give us
`permission to electronically withdraw funds from the deposit or other asset
`account you specify in the amount you request. Payments using such
`services of ours received after 8:00 p.m. MST may not be credited until the
`next day.
`We use the Average Daily Balance (ADB)How We Calculate Your Balance:
`
`method (including new transactions) to calculate the balance on which we
`charge interest for Pay Over Time balances on your Account. Call the
`Customer Care number on page 3 for more information about this balance
`computation method and how resulting interest charges are determined.
`The method we use to calculate the ADB and interest results in daily
`compounding of interest.
`If you have a Pay Over Time balance, yourHow to Avoid Paying Interest:
`
`due date is at least 25 days after the close of each billing period. We will not
`charge interest on charges added to a Pay Over Time balance if you pay the
`Account Total New Balance by the due date each month.
`Foreign Currency Charges:
`If you make a Charge in a foreign currency, we
`will convert it into US dollars on the date we or our agents process it. We
`will choose a conversion rate that is acceptable to us for that date, unless a
`particular rate is required by law. The conversion rate we use is no more
`than the highest official rate published by a government agency or the
`
`highest interbank rate we identify from customary banking sources on the
`conversion date or the prior business day. This rate may differ from rates in
`effect on the date of your charge. Charges converted by establishments will
`be billed at the rates such establishments use.
`A credit balance (designated CR) shown on this statementCredit Balance:
`
`represents money owed to you. If within the six-month period following
`the date of the first statement indicating the credit balance you do not
`request a refund or charge enough to use up the credit balance, we will
`send you a check for the credit balance within 30 days if the amount is
`$1.00 or more.
`Credit Reporting:
`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.
`Billing Dispute Procedures
`What To Do If You Think You Find A Mistake On Your Statement
`If you think there is an error on your statement, write to us at:
`American Express, PO Box 981535, El Paso TX 79998-1535
`In your letter, give us the following information:
`
`- Account information:
`Your name and account number.
`
`- Dollar amount:
`The dollar amount of the suspected error.
`
`- Description of Problem:
`Describe what you believe is wrong and why you
`believe it is a mistake.
`You must contact us:
`- Within 60 days after the error appeared on your statement.
`- At least 2 business days before an automated payment is scheduled, if you
`want to stop payment on the amount you think is wrong.
`You must notify us of any potential errors in writing. You may call us, but if
`you do we may not follow these procedures and you may have to pay the
`amount in question.
`What Will Happen After We Receive Your Letter
`When we receive your letter, we will do two things:
`1. Within 30 days of receiving your letter, we will tell you that we received
`your letter. We will also tell you if we have already corrected the error.
`2. We will investigate your inquiry and will either correct the error or
`explain to you why we believe the bill is correct.
`While we investigate whether or not there has been an error:
`- We will not try to collect the amount in question.
`- The charge in question may remain on your statement, and we may
`continue to charge you interest on that amount.
`- While you do not have to pay the amount in question, you are responsible
`for the remainder of your balance.
`- We can apply any unpaid amount against your credit limit.
`After we finish our investigation, one of two things will happen:
`- If we made a mistake: You will not have to pay the amount in question or
`any interest or other fees related to that amount.
`- If we do not believe there was a mistake: You will have to pay the amount
`in question, along with applicable interest and fees. We will send you a
`statement of the amount you owe and the date payment is due. We may
`report you as delinquent if you do not pay the amount we think you owe.
`
`Change of Address, phone number, email
`
`-
`www.americanexpress.com/updatecontactinfo
`Online at
`-
`Via mobile device
`-
`Voice automated: call the number on the back of your card
`-
`For name, company name, and foreign address or phone changes, please call Customer Care
`
`Please do not add any written communication or address change on this stub
`
`Pay Your Bill with AutoPay
`Deduct your payment from your bank
`account automatically each month.
`-
`Avoid late fees
`-
`Save time
`
`
`Visit americanexpress.com/autopay
`today to enroll.
`
`For information on how we protect your
`privacy and to set your commu