Complaint Limited Filed by Assignee 5K

Cal. Super. - 6th Dist.August 9, 2018

L I I - R O O M \ O O O \ ] O \ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 2o 27 28 JACK H. POGOSIAN, State Bar No.: 305741 KRISTY GABRIELOVA, State Bar No.: 274827 NICHOL ALAN DE GUZMAN, State Bar No.: 314989 HYO JIN JULIA JUNG, State Bar No.: 316090 CHARLES RICHARD HOEG 111, State Bar No.: 315852 10601-G TIERRASANTA BLVD, #4540 SAN DIEGO, CA 92124 Telephone: (866) 300-8750 Facsimile: (858) 309-1588 Attorneys for Plaintiff SUPERIOR COURT OF CALIFORNIA COUNTY OF SANTA CLARA DOWNTOWN SUPERIOR COURT MIDLAND FUNDING LLC Case No. Plaintiff, COMPLAINT FOR: vs. (1) Account Stated DINH THI TONG; PRAYER AMT: $1,016.34 and DOES 1 through 10, inclusive LIMITED Defendant. 1. Plaintiff, MIDLAND FUNDING LLC ("Plaintif "), is a Limited Liability Company qualified to do business in California. 2. This court is the proper court because Plaintiff is informed and believes that Defendant DINH THI TONG ("Defendant"), is a resident of SANTA CLARA County, State of California. 3. Plaintiff is unaware of the true names and capacities of Defendants sued by the fictitious names DOES 1 through 10. Plaintiff will ask leave of court to amend this complaint as and when the true names and capacities of Defendants named herein as DOES 1 through 10 have been ascertained. 4. At all times herein mentioned, Defendants, and each of them, were the principals, agents, employers, employees, masters, or servants of each of their co-defendants and ratified, adopted or approved the acts or omissions alleged herein, and each defendant, in doing the things alleged, were acting in the course and scope of said authority of such agents, servants, and employees. 5. Pursuant to California Civil Code §l788.58(a)(l), Plaintiff is a debt buyer as defined by California Civil Code §1788.50(a). -L CONHWJHNT CA_0132G File No.: 18-189957 X V i A H E-FILED 8/9/2018 12:50 PM Clerk of Court Superior Court of CA, County of Santa Clara 18CV333009 Reviewed By: R. Tien 18CV333009 4 k \ O O O \ ] O \ U 1 10 11 12 13 15 16 17 18 19 20 21 22 23 24 25 26 27 28 6. Pursuant to California Civil Code §1788.58(a)(2), is seeking to recover the amount of $1,016.34. This is the amount due on credit card account number XXXXXXXXXXXX-5927 ("Account")1 which was originally issued by SYNCHRONY BANK. The amount due is the result of transactions that occurred on the Account. 7. Pursuant to California Civil Code §1788.58(a)(3), Plaintiff is the sole owner of the debt. Attached hereto and incorporated herein by reference as Exhibit A is a true and correct copy of the Bill of Sale from SYNCHRONY BANK to Plaintiff. The account was purchased by the Plaintiff on January 28, 2016. 8. Pursuant to California Civil Code §1788.58(a)(4), the Account balance at the time of charge-off was $1,016.34. 9. In accordance with California Civil Code §1788.58(a)(4), the following is an explanation of the amount that the Plaintiff is seeking to recover at the time of the filing of this Complaint: Charge-off Balance2 $1,016.34 Total Post Charge-Off Interest $0.00 Total Post Charge-Off Fees3 $0.00 10. Pursuant to California Civil Code §l788.58(a)(5), Plaintiff alleges that the date of default is July 29, 2014 and the date of the last payment was November 20, 2014 which was made to SYNCHRONY BANK. 11. Pursuant to California Civil Code §l788.58(a)(6), Plaintiff alleges that the name of the charge-off creditor at the time of the charge-off is SYNCHRONY BANK. On information and belief the Plaintiff alleges that an address utilized by SYNCHRONY BANK at the time of charge-off was PO. BOX 965033 ORLANDO FL 32896. At the time of charge off the account number associated with the debt was XXXXXXXXXXXX-5927. 12. Pursuant to California Civil Code §1788.58(a)(7), Plaintiff alleges that the name of the debtor as it appeared in the records of SYNCHRONY BANK is DINH THI TONG and the last known address as it appeared in the records of SYNCHRONY BANK is 2770 MONTEREY HWY APT 25 SAN JOSE CA 95111. 1 Pursuant to California Rule of Court and California Civil Code §l788.58(c) the Account number has been redacted to protect the Defendant's confidential information. 2 This amount may include the charged-off principal amount and pre-charge-off accrued interest as set forth in the seller data sheet attachedhereto and incorporated herein by reference as Exhibit A. 3 This amount is not reflective of the costs incurred in the filing and service of this action which are recoverable pursuant to California Code of Civil Procedure §1033.5. 7 X V J A H COMPLAINT CA_013ZG File No.: 18-189957 N © 0 0 \ l O \ U l - l > b 3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 13. Pursuant to California Civil Code §l788.58(a)(8), Plaintiff alleges that the name and address of all post charge-off purchasers of the debt are as follows: Name Address MIDLAND FUNDING LLC 2365 NORTHSIDE DRIVE SUITE 300 SAN DIEGO CA 92108 14. Pursuant to California Civil Code §1788.58(a)(9) Plaintiff alleges that it has complied with the provisions of Civil Code §1788.52 and that it informed Defendant of the assignment of the account. Attached hereto and incorporated herein by reference as Exhibit B is a true and correct copy of the first written communication sent to the consumer by Plaintiff. 15. Pursuant to California Civil Code §1788.58(b) attached hereto and incorporated herein by reference as Exhibit C is a true and correct copy of a monthly statement recording a purchase transaction, payment or balance transfer while the account was active as required by California Civil Code §1788.52(b). 16. The Account balance at the time of charge-off was $1,016.34, attached hereto and incorporated herein by reference as Exhibit D is a true and correct copy of a billing statement that was mailed to Defendant stating the balance due on the Account at or around the time of charge-off. 17. By this complaint, Plaintiff seeks to recover amounts of $1,016.34 from Defendant. 18. As alleged above, before filing this suit, all right, title and interest to the Account were sold and assigned to Plaintiff. Plaintiff owns the Account and is entitled to collect on the Account as if it were the original creditor. To the extent that Plaintiff acts in its capacity as successor-in-interest to the original creditor or its assigns, references herein to Plaintiff may include Plaintiff’s predecessor-in- interest. 19. Before commencement of this action, Plaintiff informed Defendant in writing that it intended to file this action and that this action could result in a judgment against Defendant that would include court costs allowed by California Code of Civil Procedure § 1033(b)(2). Attached hereto and incorporated herein by reference as Exhibit E is a copy of Plaintiff’s most recent attempt at resolving the underlying obligation. MIDLAND'S EFFORTS TO RESOLVE THE UNDERLYING OBLIGATION 20. Plaintiff MIDLAND FUNDING LLC owns portfolios of consumer receivables, which it attempts to collect. Plaintiff MIDLAND FUNDING LLC and its affiliates (collectively, “MIDLAND”) generally attempt to contact consumers like Defendant through several means, such as phone calls, letters, or other means, all in an effort to establish contact and to resolve the underlying obligation. 3- COMPLAINT CA_013ZG File No.: 18-189957 X V J A 9 O O O O N O M h U - J N H N N N N N N N N N h - ‘ l - i i - l y - t t - i - 1 H _ . - . _ G O N G M - w a t - ‘ O K O O O Q O N U l - P U J N fl In doing so, MIDLAND attempts to assess each consumer’s willingness to pay, through phone calls, letters or other means. MIDLAND attempts to exclude consumers from its collection efforts, where MIDLAND believes those consumers are facing extenuating circumstances or hardships that would prevent them from making any payments. 21. When MIDLAND contacts consumers, it strives to treat consumers with respect, compassion, and integrity. MIDLAND works with consumers in an effort to find mutually-beneficial solutions, often offering discounts, hardship plans, and payment options. MIDLAND’S efforts are aimed at working with consumers to repay their obligations and to attain financial recovery. MIDLAND strives to engage in dialogue that is honorable and constructive, and to play a positive role in consumers’ lives. 22. Despite MIDLAND’S efforts to reach consumers and resolve the consumer’s obligations, only a percentage of consumers choose to engage with MIDLAND. Those who do are often offered discounts or payment plans that are intended to suit their needs. MIDLAND would prefer to work with consumers to establish voluntary payment arrangements resulting in the resolution of any underlying obligations. 23. However, the majority of MIDLAND’S consumers ignore calls or letters, and some simply refuse to repay their obligations despite an apparent ability to do so. When this happens, MIDLAND must decide then whether to pursue collection through legal channels, including litigation like the present action against Defendant. Although the Account is now in litigation, Plaintiff remains willing to explore a mutually-beneficial solution through voluntary payment arrangements, if possible. FIRST CAUSE OF ACTION ACCOUNT STATED - AGAINST ALL DEFENDANTS 24. Plaintiff realleges and incorporates by reference the foregoing paragraphs. 25. Defendant opened, used, and derived benefit from the Account through Defendant’s own use of the Account or by another’s use at Defendant’s direction. By using the Account, Defendant expressly agreed or impliedly promised to repay Plaintiff. 26. Within the last four (4) years, Defendant became indebted on the Account to Plaintiff in the sum of $1,016.34 on an account stated in writing by and between Plaintiff and Defendant in which it was agreed that Defendant was indebted to Plaintiff. 27. Regular monthly statements were mailed to Defendant listing the debits, credits, and balance due on the Account, attached as Exhibit D. 4- CONHWdeT CA_0132G File No.: 18-189957 X V : I A 9 O L A - b \ ] 10 ll l2 13 14 15 l6 17 18 19 20 21 22 23 24 25 26 27 28 28. Defendant last made a payment on the Account on November 20, 2014 to SYNCHRONY BANK. 29. Plaintiff has no record of Defendant objecting to the monthly statements after receipt. 30. Plaintiff has made demand on Defendant for repayment of the account stated but Defendant has failed to pay the balance due. Attached hereto and incorporated herein by reference as Exhibit B is a true and correct copy of first written communication requesting payment that was sent to the consumer by Plaintiff. 31. As of the date of this complaint there is due and owing the unpaid sum of $1,016.34. This amount was arrived by subtracting all payments and applying all credits (if any) to the charge-off balance of $1 ,016.34 as indicated on the charge-off statement, attached here to as Exhibit D. WHEREFORE, Plaintiff prays for judgment against Defendant as follows: On the First Cause of Action: 1. For the unpaid balance of $1,016.34; 2. Costs of suit; 3. Such other relief as the Court may deem just and proper. Dated: JUL 1 g 2013 MIDLAND FUNDING LLC By: 2Q, 9,- E] JACK H. POGOSIAN E] KRISTY GABRIELOVA [:1 NICHOL ALAN DE GUZMAN [ngYO JIN JULIA JUNG E] CHARLES RICHARD HOEG III _5_ COMPLAINT CA7013ZG File No.: 18-189957 X V J A 9 EXHIBIT A AA_0125 File No.: 18-1899570 synchrony BANK BILL ofSALE 1 land - PLCC 120 MP- sum! 16 For value received and in further consideration of the mutual covenants and conditions set forth in the Fomard Flow Receivables Purchase Agreement (the “Agreement"), dated as of this flat day ofJuly, 2015 by and between Synchrony Bank formerly known as GE Capital Retail Bank (“Seller”), and Midland Funding LLC (“Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer. its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on January 19, 2016, and as filrther described in the Agreement. Synchrony Bank \ A By: 1% Digit, Ken Wojcik Title: SVP Collections & Recovery Purchase Price Reconciliation/FundingInstructions January 22, 2016 T0: Midland This FORWARD FLOW RECEIVABLES PURCHASE AGREEMENT, is made this let day ofluly, and between Synchrony Bat formerly known as GE Capital Retail Bank (“Seller") and Midland Funding, LLC (”Buyer”) with reference to the following facts and circumstances: Portfolio RMS NG Agcy_Atty Code X078 Total Number of Accounts Outstanding Balances on Transfer Date: Cut-Off Date January 19, 2016 Transfer Date January 19, 2016 Purchase Price Factor Purchase Price 0% Holdout Amount of Wire transfer Date of Funding: January 28, 2016 Bank: ABA No. Account No: Account Holder: Location: AFFIDAVIT OF SALE OF ACCOUNT BY ORIGINAL CREDITOR State of Minnesota County ofRamsey Shannon Wiltgen being duly sworn, deposes and says: , I am over 18 and not a party of this action. I am an Affidavit Documentation Specialist of Synchrony Bank formerly known as GE Capital Retail Bank. In that position I have access to creditor’s books and records, and am aware ofthe process of the sale and assignment of electronically stored business records. On or about 1/19/2016 Synchrony Bank formerly known as GE Capital Retail Bank sold a pool of charge-off accounts (the Accounts) by a Purchase and Sale Agreement and a Bill of Sale to Midland Funding LLC. As part of the sale ofthe Accounts, electronic records and other records were transferred on individual Accounts to the debt buyer. These records were kept in the ordinary course of business of Synchrony Bank formerly known as GE Capital Retail Bank. The Creditor has a process to detect and correct errors on these accounts. The above statements are true to the best of my knowledge. % Signed and sworn to before me this 4th day of April, 2016 by Jennifer Cccka Signed this 4”1 day of April, 2016 (Notary Stamp) louse GEO“ JENN‘QEEOIV va‘m . ta mm 01 Mimosa lies Commission *9 Mianuelv 3‘- 2°20 L--. M. *l’gBLANET-GERTIFIGATEBF'GONFOR-MITYAFBR-NOTARYJENNIFER-GECKA#"*i' 1, Brett Rouleau, an attorney-at-law admitted to practice in the State of Minnesota and fully acquainted with the laws of the State of Minnesota do hereby certify that I am duly qualified to make this certificate of conformity and that the acknowledgement or proof upon the affidavits of'merit were taken by Notary Jennifer'Cec‘ka;a norm/"public in the State 'of ‘ ' ‘ Minnesota, in the manner prescribed by the laws of the State of Minnesota and confirms to the laws thereof in all respects. IN WITNESS WHEREOF, I have hereunto set my signature, on April 4, 2016. at a... 'Brett Rouleau Attorney at Law, State of Minnesota Field Field Data ACCTNUM -5927 MKR_FN DINH MKR_LN THI TONG MKR_TAXlD *****5102 MKR_AD1 2770 MONTEREY va APT 25 MKR_CITY SAN JOSE MKR_ST CA MKR_ZlP 95111 MKR_HP 4082248081 OPEN DATE 20080820 CHGOFF_DATE 20150327 RMSLASTPMT 20141120 LASTPMTAMT 40.00 LOSSAMT 1,015.34 CURBAL 1,016.34 LASTPURCHDT 20140525 MKR_DOB - Data printed from electronic records provided by Synchrony Bank formerly known as GE Capital Retail Bank pursuant to the Bill of Sale / Assignment of Accounts transferred on or about 1/28/2016 in connection with the sale of accounts from Synchrony Bank formerly known as GE Capital Retail Bank to Midland Funding, LLC. EXHIBIT B AA_0126 File No.: 18-1899570 WelC'Ome. Your account has a new hom e. ‘ - -Mldland Crodlt fl"‘"mmm' '"c' Account Transfer Details: 2365 Madrid: Drhm, Suite 300, San Dle'u, (192108 Original Creditor: Synchrony Bank Original Account Number:-5927 MCM Account Number: 8568859109 . . 3. I : .£33 Dlnh Thl Tong & gurrent (3)8 anceM$1,016 34 L 2770 Monterey Hwy Apt 25 urrent wner. IDLAND FUNDING L C San Jose, CA 95111_3111 New Consumer Discount Offer: 10% off balance I.IiiIII||1.,ill."I..l.11,.1hl1|4.1.||Illillm..ll”.l"..l.. 03-30-2016 Dear Dinh, Welcome! On 01-28-2016, your Synchrony Bank / Walmart account was sold to MIDLAND FUNDING LLC, which is now the sole owner of this debt. Midland Credit Management, Inc. ("MCM"), a debt collection company, will be collecting on, and servicing your account, on behalf of MIDLAND FUNDING LLC. As a new consumer, we'd like to offer you a 10% discount on the balance. Pay $914.70 by 05-14-2016 and save $101.63. Read on and take a minute to get to know us. Your experience with MCM will be different. Period. What to expect from MCM: Now that we are servicing the account, we have assigned the account an MCM Account Number, 8568859109. MCM will reach out to you by phone and mail overthe months to come. We also have a website, www.ml landcredl n ne.com, where you can login using your MCM account number to view account details. MCM, a partner you can trust. We value your experience and understand that managing debt can be a difficult process! That is why we set standards for how you are to be treated while working with us. Visit www.midlandcreditonlinecom to learn about our Consumer Bill of Rights or call (855) 977-1969 to experience the difference for yourself. Next Steps... You Choose. o t- 1 . Resolve the account and pay only $914.70! p '0" - With this option, SAVE $101.63 if you pay by 05-14-2016. - , Set up a payment plan that works for you. I option 2 ' Call (855) 977-1969 and speak to a professional Account Manager to set up a plan. Have a great day and we look forward to hearing from you! Sincerely, OMML Christi Weber, Division Manager P.S. These payment opportunities do not alter or amend your validation rights as described on the reverse side. This account may still be reported on your credit report as unpaid. We will not report your debt to the credit bureaus If you set up a payment plan, make a payment by 06-30-2016 and make all payments as agreed. u l n l s A z o m l z a We are not obligated to renew this offer. We will report forgiveness of debt as required by IRS regulations. Reporting Is not required every time a debt is canceled or settled, and might not be required in your case. 7 : Mail: Payment Certificate Hours of Operation. M 2 Th: 5.00am 7 9:00pm PST Fri 5-00am - 430er PST Sat 5:00am - 413m”! PST 2 Sun. 5.002m - 9.00pm PST Pay Online at: www.midlandcreditonlinecom Call: (855) 977-1969 Account at a Glance current‘BeIanoe: mConsumer DIeeopntom Ply Today and Save: , g $1,015.34. ' $914.70: __ :. j . 3101.63 7 5:1 Cali ', . . ' Purchase Dalia; 1 ' '7 OfferEitpirafion Date: , , (855)977-1969 , ' 01-28-2016 . . ' 05-14-2016 PLEASE SEE REVERSE SIDE FOR IMPORTANT DISCLOSURE INFORMATION Payment Certificate Dim"gas t) Make'your check payable to: Midland Credit Management. Inc. 2) Fillout the ambunt enclosed on the Payment Certificate me ' Accountancy: 8568859109 ' Orig naI Auction! Number; -5927 Current Emma: ' ' $1,016.34 Due'Date: . .. 05-14-2016 3) Place your check and Payment Certificate In the provided envelope Amount Eactosed: S 4) Mail Payment Certifieateio: . . " r ' : Midlananedit Management, Inc. Birth ThiToflg . , . BO. Box 69578 ' 2770 Monterey HWyApt 25 L05 AMI”. CA 90060-0578 San dosage 95111-3111 -“ 7 'mr Important Disclosure Information: Please understand this is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. [ PLEASE SEE REVERSE SIDE FOR IMPORTANT DISCLOSURE INFORMATION ] Calls to and/or from this company may be monitored or recorded. The records associated with the Synchrony Bank account purchased by MIDLAND FUNDING LLC, reflect that you are obligated on this account, which is in default. As the owner of this account, but subject to the rights described below, MIDLAND FUNDING LLC is entitled to payment of this account. All communication regarding this account should be addressed to MCM and not the previous owner. Unless you notify MCM within thirty (30) days after receiving this notice that you dispute the validity of the debt, or any portion thereof. MCM will assume this debt to be valid. If you notify MCM, in writing. within thirty (30) days after receiving this notice that the debt, or any portion thereof, is disputed, MCM will obtain verification of the debt or a copy of a judgment (if there is a judgment) and MCM will mail you a copy of such verification or judgment. if you request, in writing, within thirty (30) days after receiving this notice, MCM will provide you with the name and address of the original creditor. If an attorney represents you with re ard to this debt, please refer this letter to your attorney. Likewise, if you are involved in an active bankruptcy case, or If this ebt has been discharged in a bankruptcy case, please refer this letter to your bankruptcy attorney so that we may be notified. Please remember, even if you make a payment within thirty (30) days after receiving this notice. you still have the remainder of the thirty (30) days to exercise the rights described above. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. RETAIN THE FOLLQWINQ ADDRESS INFORMATIQN FOR YQQR RECORDS: Communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to: 2365 Northside Drive, Suite 300, San Diego, CA 92108; Attn: Consumer Support Services. MAIL PAYMENTS TO: PO. Box 60578, Los Angeles, CA 90060-0578 MAIL CORRESPONDENCE BUT NO PAYMENTS TO: 2365 Northside Drive, Suite 300. San Diego. CA 92108 MAIL CREDIT REPORTING CORRESPONDENCE TO: MCM CREDIT REPORTING DEPARTMENT, 2365 Northside Drive, Suite 300. San Diego, CA 92108 We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law: IF YOU LIVE IN CALIFORNIA, THIS APPLIES TO YOU: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 am. or after 9 pm. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part. collectors may not tell another person, other than your attorney or spouse. about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or http://wwwftcgov. "Nonprofit credit counseling services may be available in the area." As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your credit obligations. ADDITIONAL ACCOUNT INFORMATION: Char e-Off Balance: $1,016.34 . . Chargeofi Date, 03_27_2015 PrinCIpal Balance: 35 1,016.34 Interest Rate": ' 000% Total Post Charge-Off Interest: $ 0.00 Last Payment Date' “€0-20“: Total Post Charge-Off Fees: $ 0.00 . ' MCM Interest Balance: $ 0.00 Date of Defa It. 07-29-2014 ” MCM Fees: $ 0.00 *lnterest Rate used to calculate interest portion of Current Balance: $ 1,016.34 the current balance due. Debtor’s Name and Last Known Address As They Appeared In the Charge-Off Creditor's Records Prior to the Sale of This Debt: Debtor's Name: DINH THI TONG Debtor’s Last Known Address: 2770 MONTEREY HWY APT 25, SAN JOSE, CA, 95111 Charge-Off Creditor’s Account Number Associated with Debt:_5927 Reason For Post Charge-Off Interest and/or Fees, it any: N/A Name and Address of Charge-Off Creditor at Time of Charge-Off: SYNCHRONY BANK; PO. Box 965033, Orlando, FL 32896 Complete Chain of Title Including All Post Charge-Off Purchasers of This Debt: SYNCHRONY BANK MIDLAND FUNDING LLC; 2365 Northside Dr. Suite 300, San Diego, CA 92108 EXHIBIT C AA_0127 File No.: 18-1899570 Walmart® Credit Card DINH THI TONG Account Number: -5927 Visut us at walmartcom/credit Customer Service: 1-800-641-4526 l Summary of Account Activity Payment Information l Previous Balance $913.73 New Balance $926.04 - Payments 540,00 ‘ Amount Past Due $184.00 + Fees Charged $35.00 1 Tolal Minimum Payment Due $246.00 ‘ + Interest Charges $17.31 ' Overlimit Amount $56.04 New Balance $926.04 l Payment Due Date 12/21/2014 i i Late Payment Warning:lt we do not receive your minimum Credit Limit $570 payment by the date listed above, you may have to pay a late Available Credit $0.00 fee “P ‘° $35-00 Cash Advance/Quick Cash Limit $144 Minimum Payment Warning: ll you make only the minimum Available Cash 5000 payment each period, you will pay more in interest and it will Statement Closing Date 11/28/2014 take you longer to pay all your balance. For example: Days in Billing Cycle 30 If you make no You will pay off ' And you will end additional charges ‘ the balance l up paying an using this card shown on this } estimated total and each month statement in l of you pay about i 4.» Only the minimum 2 years $1.132.00 payment If you would like information about services call 1877-3028775. credit counseling Transaction Summary Tran Date Post Date Reference Number 11/20 11/20 P911200NMO0XTMJGZ 11/21 11/21 11/28 11.128 11128 11/28 (Continued on next page) Description of Transaction or Credit Plan Type PYMNT IN STORE THANK YOU SAN JOSE FEES CA LATE FEE TOTAL FEES FOR THIS PERIOD INTEREST CHARGED INTEREST CHAFIGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES Amount ($40.00) $35 . 00 $35.00 31731 $0.00 PAVMENT D E B PM T N THE D E DATE. NOTICE: We may convert your payment into an electronic debit. See reverse tor details, Billing Rights and other important information. Detach and mail this portion with your check. Do not include any correspondence with your check. Walmart Save my Live better. Payment Enclosed: ase use blue or black ink. llllllllllllllllll Illlllllllllllllllllllllllllllllllll DlNH THI TONG 946 N 7TH ST SAN JOSE CA 951124423 New address or email? Print changes on back. Make Payment To: WALMART/SYNCHRONY BANK PO. BOX 530927 ATLANTA. GA 30353-0927 77 Account Number: 5927 Total Illnlmumi Amount Payment Due Overlimlt i New Balance ‘ Payment DueL PastDua Date Amount 1 i $246.00 $184.00 . 1221172014 1 $56.04 $926.04 7 $DDDDDDD Walmart Save money. Live better. Transaction Summary