Complaint Limited Filed by Assignee 5KCal. Super. - 6th Dist.September 24, 202010 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 E-FILED 9/24/2020 2:55 PM JORDAN D. COOK (CA BAR 179720) gLeggrfngCogunn 0f CA LORI N. WILLIAMS (CA BAR 242985) EMILY PIERCE (CA BAR 240084) gggwfiffignta Clara KRISTEN BRINKERHOFF (CA BAR 263579) PORTFOLIO RECOVERYASSOCIATES, LLC 10680 Treena St., Ste 500 San Diego, CA 92 1 31 Te]: 866/428-8102 Fax: (757) 5 1 8-0860 Attorneys for Plaintifl‘ File No. 2342 1235 Reviewed By: D Harris SUPERIOR COURT OF CALIFORNIA COUNTY OF SANTA CLARA PORTFOLIO RECOVERY ASSOCIATES, LLC CASE N0. 200V371 142 Plaintifi: COMPLAINT FOR: (1) Account Stated V‘ PRAYER AMOUNT: $2,096.28 RENEE ERENO LHVHTED CIVIL and DOES 1 to 25. Defendant. Plaintifl PORTFOLIO RECOVERY ASSOCIATES, LLC, ("Plaintifi") alleges: 1. Plaintifl‘is a limited liability company. 2. This court is the proper court because Plaintifiis informed and believes that Defendant, RENEE ERENO ("Defendant"), is a resident 0fSANTA CLARA County, State ofCalifomia. 3. At all times herein mentioned, Defendants, and each ofthem, were the principals, agents, employers, employees, masters, 0r servants 0feach 0ftheir co-defendant 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 0fsaid authority 0fsuch agents, servants, and employees. PAGE 1 COMPLAINT 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 4. This suit concerns a credit account that was purchased by Plaintifion or after January 1, 2014 and, therefore, is subject to California Civil Code § 1788.50; et seq. COMPLIANCE WITH CIVIL CODE § 1788.50, et seq. Pursuant t0 California Civil Code § 1788.58(a)(1)-(9): 5. Plaintifl‘is a debt buyer. 6. A CITIBANK, N.A. / CITIBANK, N.A. / BEST BUY credit account was issued t0 Defendant on or about November 17, 2014. Defendant used, 0r authorized the use 0f; the credit account t0 make purchases and/or transactions. Defendant received periodic billing statements for the credit account. Defendant defaulted in making the required payments. Subsequently, Plaintifiwas assigned and transferred all right, title and interest in the credit account. The account was assigned, transferred and sold t0 Plaintifl‘by CITIBANK, N.A.. 7. Plaintifiis the sole owner ofthe credit account at issue, 0r has authority t0 assert the rights of all owners ofthe debt. 8. The balance at charge-ofiwas $2,096.28. Plaintifiis not seeking to recover any post charge-ofi fees or interest. 9. The date oflast payment 0n the credit account was August 17, 2017. 10. The name and address 0fthe creditor at the time ofcharge-ofiwas CITIBANK, N.A., 701 EAST 60TH STREET NORTH, SIOUX FALLS, SD, 571 17. At the time ofcharge-ofl the charge-ofi creditor's account number associated With the debt ended in ************3520 . 11. The name and last known address 0fthe Defendant as they appeared in the charge-ofi creditor's records prior to the sale ofthe debt: RENEE ERENO, 3942 ROSS AVE, SAN JOSE, CA, 95124. PAGE 2 COMPLAINT 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 12. The names and addresses ofall persons or entities that purchased the debt afier charge 0E include the Plaintifidebt buyer: Portfolio Recovery Associates, LLC, which maintains an address at 120 Corporate Blvd, Norfolk, VA 23502. 13. Plamtifihas complied With Section 1788.52 0fthe California Civil Code. FIRST CAUSE OF ACTION: ACCOUNT STATED 14. Attached hereto as Exhlbit A is a true and correct copy ofa document required by section 1788.58(b) 0fthe California Civil Code. 15. Plamtifialleges and incorporates by reference the foregoing paragraphs. 16. Within the last four years, an account was stated in writing between Defendant and CITIBANK, N.A. and 0n the account a balance was stated to be due to CITIBANK, N.A., fiom Defendant. Defendant expressly 0r impliedly agreed t0 pay CITTBANK, N.A., that balance. Attached hereto as Exhlbit B is a true and correct copy ofa billing statement showing the balance due and owing. 17. Before the commencement 0fthis action, Plaintiflwas assigned the credit account and indebtedness. Plaintifiis now the owner and holder ofthe credit account. 18. Plaintifihas made demand on Defendant for repayment 0fthe credit account, but Defendant has failed to pay the balance due. 19. Payments, set-0%, credits or allowances, ifany, at or after charge 0E have been posted t0 the credit account. 20. The current balance presently due and owing is $2,096.28. /// PAGE 3 COMPLAINT 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 WHEREFORE, Plaintifl‘prays for judgment against Defendant as follows: On the First Cause of Action: 1. For the unpaid principal balance of$2,096.28; 2. Costs ofsuit; and 3. Any such other reliefas the Court may deemjust and proper. DATED: September 17, 2020 By: /s/ Emily D. Pierce [] JORDAN D. COOK, ESQ. [] LORI N. WILLIAMS, ESQ. [X] EMILY PIERCE, ESQ. [] KRISTEN BRINKERHOFF, ESQ. Attorneys for Plaintifi Portfolio Recovery Associates, LLC WWW.PRApay.com PAGE 4 COMPLAINT EXHIBIT A Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: ‘ My Best Buy® Wbuy-aooountonlineloom PO Box 790441 , St. LOUIS, MO 63179 “an mu am mo . Account Inquiries: f Vlsa® ca rd 1-888-574-1301 F _ _ W F _ WSummary of Account Actlwty Payment Information PreVIous Balance $1 ,51 0.84 New Balance $1 ‘551 '89 Payments _ '$37'00 Minimum Payment Due $97.89 Other Ored'ts -$0'00 Pa ment Due Date Se tember 17 201 7 Purchases +$o.oo y P , Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$0_00 date listed above, you may have to pay alate fee up to $35. Interest Charged +$78.05 Minimum Payment Warning: If you make only the minimum payment each New Ba|ance $1 '551 .39 period, you will pay more in interest and it will take you longer to pay off your balance. For example: kPast Due Amount $0.00 J FCredit Limit $1 500.00 W Available Credit $0.00 Cash Advance Limit $5000 Only the mInImum payment 9 years $3,331 Available Cash Limit $0.00 $60 3 ears . $2,155 Amount Over Credit Limit $51 .89 y (sav’ngs=$1’776) Statement Closinq Date 08/23/201 7 If you would like information about credit counseling services, call 1-877-337-8187. Next Statement Closinq Date 09/22/2017 kDays in Billing Cycle 31 J k J *Subjectto creditapproval. Terms and conditions applyON STOREWIDE PURCHASES $399 & UP Seestorefordetails.1 MONTH FINANCING’ Please see the enclosed deferred interest promotional offer updatefor important information. You are over your credit limit. Please pay at least the Minimum Payment Due, which includes an overlimit amount of $51 .89. If you have already sent us this payment, thank you. Please update your phone number, including cell phone number on the back of the payment coupon. WE WON'T BE BEAT ON PRICE PRICE MATCH GUARANTEE We'll match the prod uct prices of key online and local c:om|::>etitors. Learn more at BestBuy.com/PMG. HM 15 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 6 This Account is Issued by Citibank, N.A. + Please detach and return lowerportion withyour paxment to insure proper credit. Retain upper portion for xour records. W YourAccount Number is- 3520 Payment Due Date September 17, 2017 Po Box 6204 . . New Balance 1,551 .89 SIOUX FALLS, SD 57117-6204 Pay your blll and more Vla your $ Accou nt online Past Due Amount $0.00 Minimum Payment Due $97.89 statement Enclosed bestbuy.accountonline.com Please print address changes on the reverse side. Make Checks Payable tov BEST BUY CREDIT SERVICES RENEE ERENQ PO BOX 78009 3942 Ross AVE PHOENIX, AZ 85062-8009 SAN JOSE, CA 95124-3724 information Abnut Your Account. How to Avoid Paying interest on Purchases. Your" payment due date Es at {east 25 days after the dose of each hitting cycie. We will not Charge you any interest cm purchases if you pay your" New Balance by the payment due date each month. This is caIEed a grace period on purchases. If yau dc: mt pay the New Baiance in mi! by the payment due date, you will not get a grace period 0n purchases unti! you pay the New Baiance in fut! for two hitting cydes m a row. We wilt begin charging interest cm cash advances and batance transfers on the transaction date. If you have a baiance subject t0 a deferred interest promotion and that promotion does not expire before the payment due date, that batance (an ”exduded baiance") is exctuded from the amount you must pay in full to get a grace period cm a purchase baiance other than an excluded baiance. m additien, if you have a reduced rate credit plan, that balance (an ”exciuded baiance") is exduded from the amount you must pay in fut! t0 get a grace period on a purchase baiance other than an exciuded baiance. However", you must stit! pay am; separateiy required payment 0n the excluded balance. In bmmg cydes in which payments are aliocated to deferred interest bafances first, the deferred interest balance wiH be reduced before am; other bafance 0n the account. However", you wit! continue t0 get a grace period 0n purchases, other than an excluded baiance, so iom} as yeu pay the New Baiance (Eess any excluded baiance, mus any separateiy required payment 0n an exciuded baiance) in ful! by the payment due date each bHEing cycle. Deferred interest offers may aiso be salted Same As Cash or" N0 Interest. In addition, certain pmmotionat offers not described above may atso aHow you to have a grace period on purchases without having to pay aH or" a pm‘tion 0f the promotionaf baiance by the payment due date. [f that is the case, the pr'omotionai offer" wiH describe what happens. How We Caicuflate Yaw Balanca gubject to interest Rate. We use a daffy baiance method (indudmg current transactions) to catsuia‘te interest Charges. To find out more information about the baiance computation method and how the r'esui'tmg interest charges were determined, centact us at the Account inquiries number" cm the front. Balanca Transfers. Balance transfer" amounts are Enduded in the ”Purchases” fine in the Summary 0f Account Activity. Membership FM. Some accounts are charged a membership fee. T0 avoid paying this fee: notify us that you are Closing your" account within 30 days 0f the mamng 0r deiiver'y date of the statement cm which the fee is bEHed. Minimum interest Charge. If we charge interest, the charge Wm be no Eess than $1. Other Account and Payment lnfarmation. Payment Amaunt. You may pay aH 0r" part 0f yew" account batance at any time. However, you must pay, by the payment due date, at feast the r‘nimr‘num payment due. PLEASE SEE IMPORTANT INFORMATION ON PAGE 4 /A/- HM - 3356-7202-0002 - N2 -/B/- 8308416122 - C -/C/- - 0 - O - 91 -/D/- P - E - Y - O - Y -/E/- 0 - - /G/-N- - - -/H/-0- -YZ1B-V -/|/-V- -0-0- - -/J/- - - - Wham Your Paymant Wfill Be Credited. if we receive yew payment in proper form at our processing facitity by 5 pm. Eoca! time there, it WEH be credited as 0f that day. A payment received there in proper form after that time Wm be credited as of the next day. AHGW 5 to 7 days for payments by r'eguiar' man t0 reach us. There may be a detay of up to 5 days in crediting a payment we receive that is not in proper form 0r" Es not sent to the correct address. The correct address for reguiar ma“ is the address cm the front 0f the payment compan. The correct address for" courier" 0r express man Es the Express Mai! Address shown in the Express Mai! section. Proper Form. For a payment sent by mail 0r" courier to be in proper" form, you must: a Enclose a vaiid check 0r" money order. No cash, gift cards, 0r" foreign currency piease. ° lncmde your" name and the East four" digits 0f your" account number". Payment ether Than Iv Ma“. a In-Stare (Wham Availabfle). Am; payment En proper form accepted m-store will be credited as 0f that day. However", credit avaiiability max; be subject to verification of funds. Not alt stores accept payments. Cmtact your Eocat store to see if Errstor'e payments are accepted at that Eocation. a Olfline. Go to the URL on Page 1 of your" statement t0 make a payment. For security reasons, yau may not be abfe to pay your" entire New Balance the first time you make a payment online. The payment cutoff time for" Omme BEN Payments is midnight Eastern time. This means that we Wm credit your" account as 0f the cafendar day, based on Eastern time, that we receive your" payment request. ° Autopay. Sign up at Account Omine t0 have your" payment amount automaticaiw deducted each month from the account you choose. Your card account Wm be credited on the due date with that amount. ° Phone. Cat! the phome number on Page“! of your statement t0 make a payment. We may process your payment eiectronicaw after we verify your" identity. The payment cutoff time for Phone Payments is midnight Eastern time. This mea n5 that we wit! credit yaw" accaunt as 0f the calendar" day: based on Eastern time, that we receive your payment request. a Express Mail. Send payment by courier" or" express man ta: Attn: Consumer" Payment Dept, 6716 Grade Lane, Building 9, Suite S310, Louisvitie, K‘Y 40213. Payment must be received in proper" form at the proper address by 5 pm. Eastern time to be credited as 0f that day. AH payments received m proper form at the Draper address after that time wit! be credited as 0f the next day. Sf you send an efligibfla check with this ua‘yment coupon, you authorize us to complete yaw payrmnt by electronic dabit. If we do, the checking account wifl ha debited in the amount on the check. We may do this as soon as the day we receive tha check. M50, the check Wm baa degtroyad. Togeee BBY MC NA DEC15 ~- 2 - 0 - 510 -/F/- 05/24/17 - 11/01/14 - 33 - July 23, 2017 Page 2 of 6 Please provide change of address and update/add your phone numbers‘here: {Um bum m black; ink) FREE *Cell: *Home: STORE 'Phone: By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodlaler, recorded or artIfICIal VOIce, or a text. Your phone plan Charges may apply. STORE PICKUPPICKUP Ready for pickup in 1 hour. Some orders require additional payment validation and take longer to process. Items such as TVs, large appliances, and mobile phones with plans will take additional time to pick up in the store. ACCOUHtI **** **** **** 3520 ************************************************************************************************************* Deferred Interest Promotional Offer Update From time to time, you may be offered special limited time only deferred interest promotional offers. Deferred interest promotional offers include the following types of offers: No Interest if Paid in Full in 6 Months, Monthly Minimum Payments Required No Interest if Paid in Full in 12 Months, Monthly Minimum Payments Required No Interest if Paid in Full in 18 Months, Monthly Minimum Payments Required No Interest if Paid in Full in 24 Months, Monthly Minimum Payments Required No Interest if Paid in Full in 36 Months, Monthly Minimum Payments Required No Interest if Paid in Full by a specified date, Minimum Monthly Payments Required If the balance is not paid in full by the end of the promotional period, interest charges will be imposed from the purchase date at the variable purchase rate on your account which is 22.74% APR. Variable APRs are as of August 1, 201 7 and will vary with the market based on the Prime Rate. These offers are not available all the time and may be limited to specific merchandise and/or have minimum payment and purchase requirements as disclosed in the offer. Your card agreement, the terms of the offer and applicable law govern these transactions including increasing APRs and fees and termination of the promotional period. If you have any questions, please contact us at 1-866-533-2468. For TDD/TTY assistance, please call 1-888-824-2323. ************************************************************************************************************* TRANSACTIONS Trans Date Description Reference # Amount 08/1 7 ONLINE PAYMENT DEERFIELD IL 742693775EYBGAV6EV $ 37.00- FEES TOTAL FEES FOR THIS PERIOD $ 0.00 INTEREST CHARGE_D 08/23 INTEREST CHARGE ON PURCHASES $ 78.05 TOTAL INTEREST FOR THIS PERIOD $ 78.05 Total Fees Charged in 2017 $60.00 Total Interest Charged in 2017 $176.81 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promotion Payments Cash Adv, Promotion Deferred Promotion Trans Trans Previous & Other Fees & Interest New Minimum Interest Expiration Amount Date Balance Credits Other Debits Charged Balance Payment Due Charges Date PURCHASES REGULAR - - $1,091.60 - - $21.27 $1,1 12.87 - - - NO INT W/PYMTS FOR 6 MOS $41 9.24 01/30/17 $41 9.24 $37.00- - $56.78 $439.02 - $47.83 exp'd 08/17/17 CASH ADVANCES REGULAR TOTAL $1 ,510.84 $37.00- $0.00 $78.05 $1 ,551 .89 $0.00 $47.83 INTEREST CHARGE CALCULATION Your Annual Rate is the annual interest rate on account. PURCHASES REGULAR 22.74% 1 101 .85 NO INT W/PYMTS FOR 6 MOS 22.74% .08 CASH ADVANCES REGULAR 28.99% .00 = Variable Rate Page 3 of 6 firedit Reporting Dispute”. If you think we reported inaccurate infar'mation to a credit bureau write us at the Customer" Service address shown 0n Page 1. Report a Lost or Staten Card immediatefly. Ca)! the Account Inquiries number shown on Page 1. What To Bo if You Find A Mistake 0n Your Statament If you think there is an error 0n your" statement: write to us at the address for billing errors and customer" service inquiries shown 0n Page 1 0f your statement. In your iet‘ter‘, give us the following information: v EggumnmmEmm: Your name and account number. a “Dmofiar awfl: The doiiar amount 0f the suspected error. ~ pggqigflgfigjgmbiem: If you think there is an error" 0n your" bill, describe what you beiieve is wrong and why you beiieve it is a mistake. You must contact us: ° Within 66 days after the error appeared on your" statement. e At {east 3 business days before an automated payment is scheduted, if you wa nt t0 stop payment 0n the amount you think is wrong. You must notify us of any potentiat errors Ln writing. You may cat! us, but if you do we are not required to investigate any potentiai errors and you may have t0 pay the amount m question. What Will Happen After We Rename Your Letter When we receive your fetter, we must do two thinggz ‘i. Within 30 days of receiving your" fetter; we must tel! you that we received your" Eetter, We Wm also ten you if we have aiready cm‘rected the error. 2. Within 90 days of receiving your letter, we must either correct the error 0r" expfafn to you why we befieve the bEH is correct. Whifle we investigate whethar 0r not there has been an error: v We cannot try t0 coiled the amount m question, 0r r'epm't you as definquen‘t 0n that ammmt. ' The charge m question may remain 0n your statement, and we may continue t0 charge you interest on that amount, e White you d0 not have to pay the amount in question, you are responsible for" the remainder" of your" baiance. ° We can appty any unpaid amount against your credit Eimit. PLEASE SEE IMPORTANT INFORMATION ON PAGE 2 After we finish our" investigatfion, one af two things Wm happen: ° flwgmgigflagfistakez You Wm not have t0 pay the amount En question 0r" any interest or other fees reiated to that amount. a If we do not betieve there was a mistake: You Wm have to pay the amount in question, 810mg with applicabie interest and fees. We Wm send you a statement 0f the amount you owe and the date payment is due. We may then report you as deimquent if you do not pay the amount we think you awe. If you receive our exptanation but stm beiieve your bHE is wr'eng, you must write to us within IO dayrs temng us that you stm refuse t0 pay. If you d0 so, we cannot report you as delinquent without aiso reporting that yeu are questioning your" bin. We must ten you the name 0f anyone t0 whom we reported you as definquent, and we must Iet those organizations know when the matter has been settled between us. If we do not faliow 3H of the rutes above, you do not have to pay the first $50 0f the amount you question even if your" bin is correct. Yam Rights If You Are Dissatisfiesd With Ywur Credit Card Purchases if you are dissatisfied with the goods 0r" services that you have purchased with your" credit card, and you have tried in good faith t0 correct the probiem with the merchant, you may have the right not to pay the remaining amount due 0n the purchase. To use this right, ali of the foiiowinq must be true: 1. The purchase must have been made in yeur home state or" within 100 mikes 0f your" current mailing address: and the purchase price must have been more than $50. (Note: Neither of these are necessary if yam" purchase was based 0n an advertisement we maifed t0 you, 0r" if we own the company that sold you the goods or" services} 2. \‘ou must have used your credit card f0?" the purchase. Purchases made with cash advances from an ATM or" with a check that accesses your" credit card account do not quatify. 3. \‘ou must not yet have My paid for the purchase. If aH of the Criteria above are met and you are stilt dissatisfied with the purchase, contact us in writfflg at the address for hitting errors and customer" service Enquiries shown on Page1 of your" statement. While we investigate: the same rules apply t0 the disputed amount as discussed above, After we finish our investigation, we Wm teH you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as deiinquent. BBY MC NA DEC15 ~- 4 Page 4 of 6 INTRODUCING TRANSFORM YOUR GARAG Modern connectivity, eco-friendly devices and supericr organization for your garage. AUTONOMOUS LAWN CARE SMART IRRIGATION CONTROL SMART GARAGE DOOR OPENERS GARAGE LIGHTING STORAGE 8: ORGANIZATION E-BIKES 8: SCOOTERS PORTABLE POWER ELECTRIC VEHICLE CHARGERS LEARN MORE AT BESTBUY.COM/GARAGE 1Subjectto credit approvalTerms and conditions apply. See store for details. Easy Replenish‘“ purchases excluded. © 2017 Best Buy. All rights resen/ed. Page 5 of 6 LIMITED TIME FOR CARDMEMBERS ONLY YOUR EXCLUSIVE MONTHLYOFFER WHEN YOU PURCHASE THE SONYXPERIA XZ PREMIUM UNLOCKED PHONE Shop with your My Best Buy® Credit Card and get the freedom and flexibility of Choosing your own phone, ca rrier and plan. Learn more at www.bestbuy.com/xperiafinancing 1Subjectto credit approval.Terms and conditions apply. See store for details. U9E T Q TEXT STUDENTDEALS To 3322113 m YOU’LL GET ATEXTTO SIGN UP FOR EXCLUSIVE COU PONS. GEEK SQUAD® SAVE $169.99 2 24/7 SUPPORT $7923 COVERAGE FOR UP TO THREE DEVICES + INTERNET SECURITYSOFTWARE2 1 Messa eand data rates maya Iy.Termsand Privacy Policyat BestBuy.com/mobilefaqsapply. ZlntemetSecurity Software choices: Trend IS 5147463/1 688969,Webrootl$ 1688832/1688878, Kaspers yIS 1689012“ 6890 . Products must be purchased on the same receiptto receive bundle savings. $199.99 24/7 Support + $49.99 Internet Security Software = $249.98 - $169.99 Bundle Savings = $79.99. Software issues that cannot be addressed via remote technical support and which require an in-home visit can be purchased separately for $49.99. Please see the complete Geek Squad 24/7 Su pportterms and conditions at BestBuy.corrdServiceTermsCond itions. ©20‘I 7 Best Buy. All rights reserved. Page 6 of 6 EXHIBIT B My Best Buy® Visa® Ca rd Customer Service: bestbuyaooountonlineoom Account Inquiries: 1-888-620-5879 Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: BEST BUY CREDIT SERVICES PO Box 790441 , St. Louis, MO 63179 F _ _ W F W Summary of Account Actlwty Payment Information PreVIous Balance $2,021 .29 New Balance $2,096.28 Payments _ '$0'00 Minimum Payment Due $1 ,260.28 Other Ored'ts -$0'00 Pa ment Due Date A ri| 17 2018 Purchases +$0.00 y p ’ Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$35_00 date listed above, you may have to pay alate fee up to $35. Interest Charqed +$39.99 Minimum Payment Warning: If you make only the minimum payment each New Ba|ance $2,096.23 period, you will pay more in interest and it will take you longer to pay off your balance. For example: kPast Due Amount $568.00 J FCredit Limit $0.00 W Available Credit $0.00 Cash Advance Limit $0.00 Only the mInImum payment 9 years $3,774 Available Cash Limit $0.00 $81 3 ears [$2,921 Amount Over Credit Limit $596.28 y (saV’"93=$853) Statement Closinq Date 03/23/201 8 If you would like information about credit counseling services, call 1-877-337-8188. Next Statement Closinq Date 04/22/2018 kDays in Billing Cycle 31 J k J Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. Please update your phone number, including cell phone number on the back of the payment coupon. TRANSACTIONS Trans Date Description Reference # Amount FEES 03/17 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD $ 35.00 INTEREST CHARGE_D 03/23 INTEREST CHARGE ON PURCHASES $ 39.99 TOTAL INTEREST FOR THIS PERIOD $ 39.99 8 HM 15 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A. + Please detach and return lowerportion withyour paxment to insure proper credit. Retain upper portion for xour records. W YourAccount Number is- 3520 Payment Due Date April 17, 2018 Po Box 6204 . . New Balance 2,096.28 SIOUX FALLS, SD 57117-6204 Pay your blll and more Vla your $ Accou nt online Past Due AmountT $568.00 Minimum Payment Due $1,260.28 statement Enclosed bestbuy.accountonline.com TPast DueAmount is included in the Minimum Payment Due. Please print address changes on the reverse side. Make Checks Payable tov BEST BUY CREDIT SERVICES PO BOX 78009 PHOENIX, AZ 85062-8009 RENEE ERENO 3942 ROSS AVE SAN JOSE, CA 95124-3724 Information About Your Account. How to Avoid Paying Interest on Purchases. Your paym ent due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. To get a grace period on purchases, you must pay the New Balance by the payment due date every billing cycle. We will begin charging interest on cash advances and balance transfers on the transaction date. If you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment due date. that balance (an “excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. In addition, if you have a reduced rate credit plan, that balance (an “excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. However, you must still pay any separately required payment on the excluded balance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases, other than an excluded balance, so long as you pay the New Balance (less any excluded balance. plus any separately required payment on an excluded balance) in full by the payment due date each billing cycle. Deferred interest offers may also be called Same As Cash or No Interest. In addition, certain promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If that is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method (including current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined, contact us at the Account Inquiries number on the front. Balance Transfers. Balance transfer amounts are included in the “Purchases" line in the Summary of Account Activity. Membership Fee. Some accounts are charged a membership fee. To avoid paying this fee. notify us that you are closing your account within 3O days of the mailing or delivery date of the statement on which the fee is billed. Minimum Interest Charge. If we charge interest, the charge will be no less than $1. Other Account and Payment Information. Payment Amount. You may pay all or part of your account balance at any time. However. you must pay, by the payment due date, at least the minimum payment due. When Your Payment Will Be Credited. If we receive your payment in proper form at our processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. The correct address for courier or express mail is the Express Mail Address shown below. Proper Form. For a payment sent by mail or courier to be in proper form, you must: - Enclose a valid check or money order. No cash, gift cards, or foreign currency please. - Include your name and the last four digits of your account number. Payment Other Than By Mail. - ln-Store (Where Available). Any payment in proper form accepted in-store will be credited as of that day. However, credit availability may be subject to verification of funds. Not all stores accept payments. Contact your local store to see if in-store payments are accepted at that location. - Online. Go to the URL on Page1 of your statement to make a payment. When you enroll in Online Bill Pay you can schedule your payments up to 45 days in advance using the “Other“ payment option. For security reasons. you may not be able to pay your entire New Balance the first time you make a payment online. - AutoPay. Go to the URL on Page1 of your statement to enroll in AutoPay and have your payment amount automatically deducted each month on your due date from the payment account you choose. - Phone. Call the phone number on Page1 of your statement to make a payment. There is no fee for this service. - Express Mail. Send payment by courier or express mail to: Consumer Payment Dept, 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213. - Creditinq Payments other than by Mail. The payment cutoff time for Online bill payments, Phone payments, and Express Mail payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request. If you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Credit Reporting Disputes. We may report information about your account to credit bureaus. If you think we reported inaccurate information. please write us at the Customer Service address shown on Page1. Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on Page 1. 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 the address for billing errors and customer service inquiries shown on Page1 of yourstatement. In your letter, give us the following information: 1. Account information: Your name and account number. 2. Dollar amount: The dollar amount of the suspected error. 3. Description of Problem: If you think there is an 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 after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, 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 investigate whether or not there has been an error, the following are true: - We cannot try to collect the amount in question, or report you as delinquent on that amount. - The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But. if 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 for the remainder of your balance. - We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card 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 this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address. and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you. or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for billing errors and customer service inquiries shown on Page1 of yourstatement. While we investigate. the same 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 an amount and you do not pay, we may report you as delinquent. BBY MC NA FEB18 /A/- HM - 3356-7202-0002 - N2 -/B/- 3308416122 - C -/C/-E - O - X - 91 -/D/- P - E - Y - O - N -/E/- 7 - - - O - O -/F/- 01/24/18 - 11/01/14 - 40 - February 20, 2018 /G/-N- - - -/H/-0- -YZ1B-V -/|/-V- -0-0- - -/J/- - - - Page 2 of 4 Please provide change of address and update/add your phone numbers‘here: {Um bum m black; ink) *Cell: *Home: 'Phone: By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan Charges may apply. ACCOUHtI **** **** **** 3520 g § §2§ $3,» ~ ‘5, Total Fees Charged in 2018 $105.00 Total Interest Charged in 2018 $113.15 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promotion Payments Cash Adv, Promotion Daferred Promotion Trans Trans Previous & Other Fees & Interest New Minimum Interest Expiration Amount Date Balance Credits Other Debits Charged Balance Payment Due Charges Date PURCHASES REGULAR - - $2,021 .29 - $35.00 $39.99 $2,096.28 - - - CASH ADVANCES REGULAR TOTAL $2,021.29 $0.00 $35.00 $39.99 $2,096.28 $0.00 $0.00 INTEREST CHARGE CALCULATION PURCHASES REGULAR CASH ADVANCES REGULAR = Variable Rate Your Annual 22.99% 29.24% Page 3 of 4 Rate is the annual interest rate on account. Page 4 of 4
