Complaint Limited Filed by Assignee 5KCal. Super. - 6th Dist.November 23, 2020KOOOQQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 E-FILED 11/23/2020 5:22 PM Clerk of Court ri r f A Anna C.Karkoon,Sate Bar#295797 supe 0 COUVtO C , Christine Siduguen, State Bar #240380 county Of santa Clara RAUSCH STURM 20CV373944 3131 Camino Del Rio N., Suite 350 Reviewed By: R. Tien San Diego, CA 92108 Telephone: (877) 215-2552 Facsimile: (877) 396-4464 E-mail Address: LawfirmCA@rsieh.com Attorneysfor Plaintiff SUPERIOR COURT OF THE STATE OF CALIFORNIA COUNTY OF SANTA CLARA, DOWNTOWN SUPERIOR COURT Crown Asset Management, LLC assignee of Comenity Case No.2 20CV373944 Bank (ANN TAYLOR MASTERCARD), COMPLAINT FOR: Plaintiff, 1. ACCOUNT STATED vs. MARY MYERS; and DOES 1 through 10, inclusive, LIMITED CIVIL CASE ) ) ) ) g ) PRAYER AMOUNT: $3,791.31 ) ) ) Defendants. ) ) Plaintiff Crown Asset Management, LLC assignee 0f Comenity Bank (ANN TAYLOR MASTERCARD) (“Plaintiff”) alleges the following facts as to all causes 0f action as follows: 1. Plaintiff is qualified t0 d0 business in California. 2. This Court is proper for this action because Plaintiffis informed and believes that DefendantMARY MYERS is a resident within the jurisdictional boundaries of this Court. 3. Plaintiff is informed and believes that Defendant MARY MYERS and Defendants sued by the fictitious names DOES 1 through 10 (“Defendants”) are responsible for the alleged debt; however, Plaintiff is unaware 0f the true names and capacities 0f DOES 1 through 10 and will seek leave of this Court t0 amend this Complaint when the true names and capacities have been ascertained. 1 COMPLAINT 4144870 KOOOQQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 4. Plaintiff believes that at all times mentioned herein, Defendants, and each ofthem, were the agent, servant, employee, 0r employer, and acted in the capacity and as agent, 0feach and 0fthe other Defendants. Plaintiffalso believes that each 0fthe Defendants is j ointly and severally liable in that the actions were taken for the benefit of the Defendants' separate and/or community property. 5. Pursuant to California Civil Code, section 1788.58, subsection (a)(l), Plaintiff is a debt buyer as defined by California Civil Code, section 1788.50, subsection (a). 6. Pursuant to California Civil Code, section 1788.58, subsection (a)(2), Plaintiffis seeking to recover the amount of$3,791 .31 from Defendants. This is the past-due balance on a credit card account, which was opened and used by Defendants in exchange for value received from the original creditor, Comenity Bank (ANN TAYLOR MASTERCARD), with the original account number ending in ************6403 (the “Account”). The amount due is the result of transactions that occurred on the Account, Which, upon information and belief, were for personal, family, or household purposes. 7. Pursuant t0 California Civil Code, section 1788.58, subsection (a)(3), Plaintiff is the sole owner 0f the obligation sued upon. Attached hereto and incorporated herein by reference as Exhibit 1 is a true and correct copy of the Bill 0f Sale(s). The account was purchased by Plaintiff 0n 0r around January 15, 2020. 8. Pursuant t0 California Civil Code, section 1788.5 8, subsection (a)(4), the Account balance at the time 0f charge-off was $3,791.3 1. Attached hereto and incorporated herein by reference as Exhibit 2 is a true and correct copy 0f the charge-off statement. 9. Plaintiff is not seeking post charge-off interest or fees (not including the court costs that may be incurred pursuant t0 California Code of Civil Procedure, section 1033.5). However, in accordance With California Civil Code, section 1788.58, subsection (a)(4). 10. Pursuant to California Civil Code, section 1788.58, subsection (a)(5), Plaintiff alleges that the date of the default was June O4, 2019. 2 COMPLAINT 4144870 KOOOQQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 11. Pursuant to California Civil Code, section 1788.58, subsection (a)(6), Plaintiff alleges that the name 0f the creditor at the time 0f charge-offwas Comenity Bank (ANN TAYLOR MASTERCARD). On information and belief, Plaintiff further alleges that an address used by Comenity Bank (ANN TAYLOR MASTERCARD) at the time ofcharge-offwas PO BOX 659569, SAN ANTONIO TX 78265-9569. At the time 0f charge-off, the redacted account number associated With this debt was ************6403. 12. Pursuant to California Civil Code, section 1788.58, subsection (a)(7), Plaintiff alleges that the name of the debtor as it appears in the records of Comenity Bank (ANN TAYLOR MASTERCARD) is MARYMYERS and the last known address as it appeared in the records ofComenityBank(ANNTAYLOR MASTERCARD) is PO BOX 2330, PHOENIX AZ 85002-2330. 13. Pursuant to California Civil Code, section 1788.58, subsection (a)(8), Plaintiff is informed and believes that the name and address of all post charge-off purchasers 0f the Account are as follows: a. CROWN ASSET MANAGEMENT, LLC, 3100 BRECKINRIDGE BLVD, STE 725, DULUTH, GA 30096. 14. Pursuant to California Civil Code, section 1788.58, subsection (a)(9), Plaintiff alleges that it has complied With the provisions of Civil Code, section 1788.52. 15. Pursuant to California Civil Code, section 1788.58(b), attached hereto and incorporated herein by reference as Exhibit 3 is a true and correct copy of the contract or agreement or a copy of a statement recording a purchase transaction, payment, or balance transfer as required by California Civil Code, section 1788.52, subsection (b). 16. As alleged above, before filing this suit, all rights, title, and interest t0 the Account were sold and assigned t0 Plaintiff. Plaintiff owns the Account and is entitled t0 collect 0n 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 0r its assigns, references herein to Plaintiffmay include Plaintiffs predecessor-in-interest. 3 COMPLAINT 4144870 KOOOQQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 17. Before commencement of this action, Plaintiff informed Defendants in writing that it intended t0 file this action and that this action could result in ajudgment against Defendants that would include court costs allowed by California Code of Civil Procedure, section 1033, subsection (b)(2). FIRST CAUSE OF ACTION - (Account Stated) 18. Plaintiff realleges and incorporates by reference all 0f the foregoing paragraphs. 19. Defendants opened, used, and derived benefit from the Account through Defendants” own use of the Account or by another's use at Defendants’ direction. By using the Account, Defendants expressly agreed 0r impliedly promised to repay Plaintiff. 20. A11 duties, obligations, and conditions owed t0 Defendants have been dulyperformed by Plaintiff or by Plaintiff s assignor. 2 1. Within the past four years, Defendants became indebted on the Account to Plaintiff in the sum 0f $3,791.31 0n an account stated in writing by and between Plaintiff or Plaintiffs assignor(s) and Defendants in Which it was agreed that Defendants were indebted to Plaintiff. 22. Regular monthly statements were mailed to Defendants listing the debits, credits, and balance due. Plaintiff has n0 record 0f Defendants timely objecting t0 the statements after receipt. 23. Plaintiff has made demand upon Defendants for repayment 0f the account stated; however, Defendants have failed t0 satisfy the balance due. 24. As 0f the date of this Complaint, there is due and owing the unpaid sum 0f $3,791.31. 4 COMPLAINT 4144870 \DOOQO 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 WHEREFORE, Plaintiff prays for judgment against Defendants as follows: 1. For the unpaid principal balance of $3,791 .3 1; 2. For post-judgment interest at the statutory rate; 3. For costs of suit; 4. For such other relief as the Court may deem just and proper. DATED: 11/1 1/2020 RAUSCH STURM 03¢“ch JEA- J Christine Siduguen Attorneys for Plaintiff 5 COMPLAINT 4144870 KOOOQQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 EXHIBIT 1 ICXIIIBIT A BILI, ()I“ SALE (‘omcnily Bunk ("Seller"). 1‘01‘ vaiuc received and pursuant [0 the terms ancl conditions 01‘ CrcdiL Card Account Purchase Agrccnwnl (lutcd May I. 20l8 between Seller and Crown Asset Munugmncm. [,LC ("Purchasm'"). its successors and assigns (“Credit Card Accmlnl Purchase Agrccmcnl“L hereby assigns el‘f‘cclivc as ol‘ [he I’ile Creaiion Dale ol’ January 15. 2020 all rights. tillc 21nd interest 0f Seller in and Lo those cenain receivables. judgments 01‘ cvidcnccs 0f debt described in Schedule l (lhc "Asset Schedule“) attached hereto and made part hereof For all purposes. Amounts due t0 Scllcr b) Purchaser in hereunder shall be paid US. Dollars by a wire transfer [0 be 1'cccivcd by Seller on (lhc “Closing Date”) January 28. 2020 by 5:00 PM Seller's lime. as follows: Redacted by Crown Asset Management, LLC COHEN [TV BANK Redacted by Crawn Asset Management, LLC This Bill ofSule is executed withuut recourse except a5 slated in the Credit Curd Account Purchase Agreement lo which [his is 1m Exhibit. N0 other representation ofor warranty oftillc 0r enforceability is expressed 0r implied. Comcniry Bank Crown Asset Munnac lent, LLC B»: Wfi/fiwxflwi , i g Date: 0 Z’ér/y’o Date: 7 2 7 ZJZflg‘iA 'I'iuczmfiNwL’Z/d‘lwdlf fl/filev me Ea SCHEDULE l 'I'O BILL 0F SALE ASSET SCHEDULE Thc individual Churgedwf‘l‘ Accounts transferred pursuant lo Ihc (‘I'cclii Card Account Purchase Agreement and BiH 0f Sale arc described in Lhc electronic files named C A M 7 C'[)¥I)PL_WI‘NBzCA \V'lf‘llLCSJVFNB delivered b5 Comenily Bank to Crown Asset Management. LLC 0n January IS. 2020 and summarized in the tabic immediately below (tho "Sale File”). # Ofmmrged'on Aggregate L'npaiti leiancc l-‘ilc ('rcation DaleAccounts l’crccnt - '4 x a 'C ..-~.'. An-{a' .'.n. _'_ - LL‘Z ‘ -5‘243 .ejchd by rm 'I K t ‘I nian-E'Ii, _ l/lr‘lzozo SALE_ID CAM0373 MNT-TRAN-DATE 2020-01-15 DlV-NO CRDT-TERM-NO 0021 FIRST-NAME MARY SUFFIX JOI NT-M | DDLE-INIT JOI NT-SSN 000000000 ADDR-LINE-Z ZlP-CODE 85002 HOME-PHONE-AVL-CD N SSN LAST-PAYM ENT-DATE 2019-05-10 LAST-PU RCHASE-AMOUNT 0000008.00 CURR-BALANCE PURCHASE_COMPANYCODE CAM0373 PRI MARY-ACCT-NO 6403 DIV-NAME ANN TAYLOR MASTERCARD PLAN-NO 0000 MIDDLE-INIT JOINT-SURNAME JOINT-LAST-NAME EMPLOYER-NAME CITY PHOENIX ZIP-CODE-PLUS4 2330 WORK-PHON E-NO 0000000000 ACCT-OPEN-DATE 2015-07-21 LAST-PAYMENT-AMOU NT 000010900 BIRTH-DATE FIRST-DELINQUENCY-DATE FILE CAM_CD_DPL_WFNB.TXT pri_a cctno-6403 CYCLE-NO 0030 SURNAME LAST-NAME MYERS JOINT-FIRST-NAME JOINT-SUFFIX ADDR-LlNE-l PO BOX 2330 STATE AZ HOME-PHONE-NO WORK-PHONE-AVL-CD ACCT-CHARGE-OFF-DATE 2019-12-31 LAST-PU RCHASE-DATE 2019-06-13 CHARGED-OFF-BALANCE 000379131 PRINCIPAL-BALANCE 000379131 UN PAI D-FI NANCE-CHARG ES 0000574.00 SERIES-NUM BER 000000000300 STAT-CODE-l-DATE 2020-01-01 STAT-CODE-B 97 TP-SUR-TITLE-CD TP-LAST-NAME TP-ADDR-LINE-Z TP-ZlP-CODE 00000 TP-WORK-PHON E-NO 0000000000 BK-CHAPTER BK-CITY SAFE-HARBOR-AMT 00027.00 DlGlTAL-COLLATRL-IDI ANFTRM-MIN-FEEl 2019-07-16 U NPAlD-LATE-FEES 000026600 CURRENT-AGENCY-NUMBER 00995 STAT-CODE-Z 70 STAT-CODE-3-DATE 2020-01-09 TP-FIRST-NAME TP-SUFFIX TP-CITY TP-ZIP-CODE-PLUS4 0000 TP-HOME-PHONE-AVL-CD BK-FlLlNG-DATE BK-STATE SAFE-HARBOR-AMTZ 00038.00 ANFTRM-FEE-TYPEl ANFTRM-MAX-FEEI 000295131 U N PAID-MISCELLAN EOUS-FEES 000000000 STAT-CODE-l 84 STAT-CODE-Z-DATE 2019-08-22 TP-TYPE TP-MIDDLE-INIT TP-ADDR-LlNE-l TP-STATE TP-HOME-PHONE-NO 0000000000 TP-WORK-PHONE-AVL-CD BK-CASE-NUMBER ACCT-ID CCA-lNUSE-DATEI 1900-01-01 ANFTRM-FEE-AMT-PCTI 000000000 NGCTRM-MIN-FEEl 000000000 NGCTRM-PCT-FEEl 000 lNRATE-COLL-lNT-RATEl 000264900 INTERM-GRACE-PERIOD-INDI Y PAYRTE-MAX-BAL-Dl 000050000 PAYRTE-RATE-Pl 000010000 CSHADV-MlN-FEE-AMTl 00010‘00 LTFTR M-F LAT-FEE-AMTl 000003800 LTFTRM-DAYS-OF-DELQl 000 FRGNDF-FEE-AMTI 00000‘00 CCA-lNUSE-DATEZ AN FTRM-FEE-AMT-PCTZ 000000000 NGCTRM-MlN-FEEZ 000000000 INRATE-INTEREST-RATEZ 000000000 lNRATE-COLL-CSH-RATEZ 000000000 NGCTRM-FLAT-FEE-AMTl 000002300 IN RATE-l NT-CSH-RATEl 00026.4900 MININT-MlN-FlNCHRG-AMTl 000000100 PAYRTE-RATE-Dl 000050000 CSHADV-FEE-AMTI 00000.0000 CSHADV-MAX-FEE-AMTI 9999999 LTFTRM-MIN-LF-AMTl 000003800 LTFTRM-VARD-DATE-TYP E 1 P FRGNDF-MlN-FEE-AMT] 00000‘00 DlGITAL-COLLATRL-IDZ ANFTRM-MlN-FEEZ 000000000 NGCTRM-PCT-FEEZ 000 IN RATE-COLL-l NT-RATEZ 000000000 INTERM-GRACE-PERIOD-INDZ 000000000 INRATE-INTEREST-RATEI 00026.4900 INRATE-COLL-CSH-RATEI 00026.4900 PAYTRM-MlN-AS K-AMTl 000003000 PAYRTE-MAX-BAL-Pl 999999999 CSHADV-FEE-PCT-RATEl 003.00 LTFTRM-PCT-OF-DELQ-AMTI 000 LTFTRM-MAX-LF-AMTl 000003800 FRGNDF-FEE-PCT-RATEl 003.00 FRGNDF-MAX-FEE-AMTI 99999.99 ANFTRM-FEE-TYPEZ ANFTRM-MAX-FEEZ 000000000 NGCTRM-FLAT-FEE-AMTZ 000000000 INRATE-INT-CSH-RATEZ 00000.0000 MlNlNT-MlN-FlNCHRG-AMTZ 00000.0000 PAYTRM-M IN-ASK-AMTZ 0000000130 PAYRTE-MAX-BAL-PZ 0000000.00 CSHADV-FEE-PCT-RATEZ 000.00 LTFTRM-PCT-OF-DELQ-AMTZ 000 LTFTRM-MAX-LF-AMTZ 0000000.00 FRGNDF-FEE-PCT-RATEZ 000.00 FRGN DF-MAX-FEE-AMTZ 00000.00 EMAIL-ADDR PHONE-NAME-ADDR-TYPEI OT PHONE-NAME-ADDR-TYPEZ PHONE-NAME-ADDR-TYPE3 PHONE-NAME-ADDR-TYPE4 PHONE-NAME-ADDR-TYPES PHONE-NAME-ADDR-TYPES PAYRTE-MAX-BAL-DZ 000000000 PAYRTE-RATE-PZ 00000.0000 CSHADV-MIN-FEE-AMTZ 00000.00 LTFTRM-FLAT-FEE-AMTZ 000000000 LTFTRM-DAYS-OF-DELQZ 000 FRGNDF-FEE-AMTZ 00000.00 LANG-IND 0 EMAlL-AVL-CD V PHONE-AVL-CDl N PHONE-AVL-CDZ PHONE-AVL-CDB PHONE-AVL-CD4 PHONE-AVL-CDS PHONE-AVL-CDS 000000000 PAYRTE-RATE-DZ 00000.0000 CSHADV-FEE-AMTZ 00000.0000 CSHADV-MAX-FEE-AMTZ 00000.00 LTFTRM-MlN-LF-AMTZ 000000000 LTFTRM-VAR D-DATE-TYPEZ FRGNDF-MlN-FEE-AMTZ 00000.00 PREV-PRIME-ACCT 000000000000000000 PHONE-NOl PHON E-N02 0000000000 PHON E-N03 0000000000 PHON E-N04 0000000000 PHON E-NOS 0000000000 PHON E-NOG 0000000000 PHONE-N07 PHONE-NAME-ADDR-TYPE7 PHONE-NAME-ADDR-TYPES TOTAL-PU RCHASES 0000000130 TOTAL-ADJ USTM ENTS 0000000130 hash | D 5094482463694774730 PHONE-AVL-CD? PHONE-AVL-CDS TOTAL-PAYM ENTS 000000000 APPL-NO-5176 0000000000 PHON E-NO8 0000000000 TOTAL-CASH 000000000 TOTAL-RETU RNS 000000000 APPL-SOURCE-CD 24004 KOOOQQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 EXHIBIT 2 PAGE 1 OF 4 Summary of account activity Payment information Accoum n0. ****-****-****-6403 New balance $3,791 .31 Minimum paymem due $833.00 Previous balance $3,669.69 Payment due date 01/16/2020 Paymerrls 0.00 _ Oiher credfls 0.00 Late payment warn'n9: Purchases 0.00 If we do not receive your minimum payment by 01/16/2020 you may Oiher debhs 0.00 have io pay up 10 a $38.00 late fee. caSh advanoe 0'00 Minimum payment warning: If you make only me minimum Balanoe "anger 0'00 paymerrl for each period, you will pay more in interest and i1 will 1ake Fees Charged 38'00 you longerio pay off your balanoes. For example: lrrlerest charged 83.62 New balance $3,791 .31 If you make no addifional You will pay off And you will charges using his card he balance shown end up paying an P351 due amour” 712-00 and each month you pay: on the stabrnent esfimabd tohl Cred'n Iim'n $3,000.00 in abwt 0f: Available credii $0.00 Only the minimum payment 1e years $10695 Cash credit lim'rt $600.00 . . . . . . Available cash $0.00 For Informauon regarding credn counsellng serVIces, Statement closing date 12/21/2019 ca" 1-800-284-1706" Days in billing cycle 31 Details of your transactions ,,TFFAN§PAT,E, ,,,,,,,, TBANSAQTPH,,PE$93!FT'9WFQ95T,'9N ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, A,WWI Fees 12/16/2019 LATE FEE 38.00 Total fees charged for this period $38.00 Interest charged Interest charge on purchases $33.62 Interest charge on cash advance $0.00 Interest charge on balance transfer $0.00 Total interest for this period $33.62 2019 totals year to date Toial fees charged in 2019 $341 .OO Total interesi charged in 2019 $694.49 Interest charge calculation Your Annual Percerrlage Rate (APR) is the annual imerest raie on your account See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum imerest charge may exceed irrlerest charge below, per your credii card agreement TYPE 0F BALANCE suau ECT INTEREST BALANCE APR To INTEREST RATE CHARGE Purchases 26.4900% (V) 3,717.29 83.62 Cash advances 26.4900% (v) 0.00 0.00 Additional important messages Important Reminder: If you make a purchase with this credit card using a promotional plan, the promotional plan expiration date and payment due date may be different. This means that if you have any remaining promotional plan balance after the promotional plan expiration date, the balance and any accrued interest (if applicable), will move to your regular revolving plan on the next billing statement. (CONTINUED) NOTICE: See reverse side for imponant information. _"__"_"__"_"___"_"__"_"______bie‘a‘s‘e‘téér‘a‘ffie-rtb-réfiéfi56666 __________________________________________ Account number mnflH-mtmos ‘A L L New balance Minimum payment r e w a r d S $3,791 .31 $333.00 99 4 Payment must reach us byD YES' I have moved or Updated my Amount enclosed: 6 pm ET On 01/1 6/2020.e-mail address - see reverse. Please make check payable to: COMENITY -ANN TAYLOR Masiercard II-||ul-||I'lvluII'l'Il'l'I'||'I'II'lllll-llvl'HIIIIH-l'Il' Please return this portion along w'rth your payment to: 243%??? po Boxesgseg PHOENIXAZ 85002-2330 SAN ANTONIO TX 78265-9569 Keep this portion for your records. What To Do If You Think You Find A Mistake On Your Statement If you think thele is an eIIOI 0n yOLJI statement, Wlite t0 us at: Comenity Bank PD Box 182782, Columbus, Ohio 4321872782. In youu lellel, give us the following infoumalion: ' Account information: YOUI name and account numbel. ' Dollar amount: The dollal amount 0f the suspected eIIOI. ' Description d Problem: If you think thele is an eHOI 0n yOUI bill, descuibe what you believe is Wlong and why you believe it is a mistake. You must contact us within 6O days aftel the eIIOI appealed 0n yOLJI statement. You must notify us 0f any potential eIIOIs 1n wr/tmg. You may call us, but if you d0 we ale not quuiled t0 investigate any potential eHOIs and you may have t0 pay the amount in question. While we investigate whethel OI not thele has been an eIIOI, the following ale tlue: 0 We cannot tly t0 collect the amount in question, 0| Iepon you as delinquent 0n that amount. 0 The chalge in question may Iemain 0n yOUI statement, and we may continue t0 chalge you intelest 0n that amount. But, if we detelmine that we made a mistake, you will not have t0 pay the amount in question OI any intelest OI othel fees [elated t0 that amount. 0 While you d0 not have t0 pay the amount in question, you ale Iesponsible fOI the Iemaindel 0f yOUI balance. 0 We can apply any unpaid amount against yOUI Cledit limit. Your Rights If You Are Dissa fisfied Mth Your Credit @rd Purchases If you ale dissatisfied with the goods 0| selvices that you have pwchased with yOUI cuedit cald, and you have tlied in good faith t0 conect the ploblem with the melchanl, you may have the light not 10 pay the [emaining amount due 0n the puuchase. T0 use this light, all 0f the following must be hue: 1. The pwchase must have been made in yOUI home state OI within 100 miles 0f yOLJI cunent mailing addless, and the pumhase plice must have been mOIe than $50. (Nore: Neithel 0f these is necessaly if youu pwchase was based 0n an advenisement we mailed t0 you, 0| if we own the company that sold you the goods 0| selvices.) 2. You must have used yOLJI Cledit cald f0l the pwchase. Pumhases made with cash advances flom an ATM OI with a check that accesses yOUI Cledit cald account d0 not qualify. 3. You must not yet have fully paid fOI the puuchase. If all 0f the Clitelia above ale met and you ale still dissatisfied with the pumhase, contact us 1n wrx'tmgal: Comenity Bank PD Box 182782, Columbus, Ohio 4321872782. While we investigate, the same Iules apply t0 the disputed amount as discussed above. Aftel we finish 0L“ investigation, we will tell you 0w decision. At that point, if we think you owe an amount and you d0 not pay we may Iepon you as delinquent. PAYING INTEREST. YOUI due date is at least 25 days aftel the close 0f each billing cycle. We will n01 chalge you inlelest 0n puuchases if you pay yOUI entile balance by the due date each month. We will begin chalging intelesl 0n balance hansfels and cash advances 0n the tlansaction date. We will begin t0 chalge inlelesl 0n new pwchases made undel a Low APR, Equal Payment 0| Budget Payment Cledit Plan flom the dale 0f pwchase. BALANCE COMPUTATION MEI'HOD. We calculate inlelesl sepalalely fOI each type 0f balance 0n yOUI account using a “Daily Balance" t0 detelmine intelest chalges fOI each billing pe1i0d. We figwe the intelest chalge 0n yOLJI account ty applying the pe1i0dic late t0 the “daily balance" 0f yOLJI account fOI each day in the billing Cycle. T0 get the “daily balance” we take the beginning balance 0f yOUI account each day, add any new pwchases, advances, fees and balance tlansfels, and subtlact any payments OI Cledits (heating any net Cledit balance as a zelo balance). This gives us the daily balance. CREDIT REPORTING. We may Iepolt infOImation about yOLJI account t0 cuedit buueaus. Late payments, missed payments, 0| othel defaults 0n youu account may be Ieflected in youu cuedit Iepom NOTICE OF CREDIT REPORT DISPUTES If you believe the account infOImation we IepOIted t0 a consumel Iepofiing agency is inaccwate, you may submit a dilect dispute t0 Comenity Bank PD Box 182789, Columbus, Ohio 4321872789. YOUI \Mitten dispute must plovide sufficient infOImation t0 identify the account and specify why the infOImation is inaccwate: 0 Account InfOImation: YOUI name and account numbel 0 Contact InfOImation: YOUI addless and telephone numbel 0 Disputed InfOImation: Identify the account infOImation disputed and explain why you believe it is inaccwate Suppomng Documentation: If available, plovide a copy 0f the section 0f the Cledit IepOIt showing the account infOImation you ale disputing We will investigate the disputed infOImation and Iepon the Iesults t0 you within 3O days 0f Ieceipt 0f the infOImation needed f0l 0L“ investigation. If we find that the account infOImation we IepOIted is inaccwate, we will plomptly plwide the necessaly conection t0 each consumel IepOIting agency t0 which we Iepolted the infOImation. PAYMENTS MARKED "PAID IN FULL". All Wlitten communications Iegalding disputed amounts that include any check 0| othel payment instlument malked with “payment in full” OI similal language, must be sent 10: 6550 Nonh Loop 1604 East, Suite 101, San Antonio, TX 7824775004. DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE. 7We may accept payment sent t0 any othel addless without losing any 0f 0w lights. 7 N0 payment shall opemte as an aCCOId and satisfaction without pIiOI Wlitten apploval. CUSTOMER SERVICE. Visit comenity.neUanntay|0IcaId 0| call 17888729275707 (TDD/ Y 1780069571788). TELEPHONE MONITORING. T0 plwide you with highiquality selvice, phone communication with us is monitoued and/OI IeCOIded. ADDITIONAL INFORMATION. The following designations, when appealing 0n the flont 0f yOLJI statement, mean the following: V means valiable late (this late may valy); WV INT PAY RQ means WAIVE INTEREST, PAYMENT REQUIRED; VW INT EL} PY means WAIVE INTEREST, EQUAL PAYMENT; VW INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; [)F INT PY Rt} means [)EFER INTEREST, PAYMENT REQUIRED; DEF INT EL} PY means DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. If you have a valiable late account, yOLJI peliodic [ates may valy. You may pay all 0f yOLJI Account balance at any time without penalty. Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus, Ohio 432132273. Send all bankruptcy notices and related correspondence to Comenity Bank, Bankruptcy Department, PO Box 182 125, Columbus, Ohio 432 1&2 125. NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you plwide a check as payment, you authOIize us eithel t0 use infOImation flom yOLJI check t0 make a oneitime electionic fund tlansfel flom yOLJI account 0| t0 plocess the payment as a check tlansaction. When we use infOImation flom yOUI check t0 make an electionic fund tlansfel, funds may be withdlawn flom yOLJI account as soon as the same day we Ieceive yOLJI payment, and you will not Ieceive yOLJI check back flom yOLJI financial institution. PAYMENTS. Pay yOUI Account by the payment due date by the time listed below. If we d0 not Ieceive yOLJI payment in a conect fOImat (outlined below) it may n01 be Clediled t0 yOUI Account fOI up t0 five days, 0| may be [ejected Also, yOUI payment must leach us by the payment cutoff time that applies t0 the payment method you select. This cald is issued ty Comenity Bank pwsuant t0 a license flom Mastelcald Intelnational InCOIpOIated. Mastelcald is a Iegisteled tlademalk 0f Mastelcald Intelnational InCOIpOIated. Correct Format. Conect fOImat fOI diffelent payment methods include: Mailing or Overnight: Send a pelsonal check, money Oldel, tlavelel’s check 0| cashiel’s check payable in U.S. dollals, 10 the name and addless shown 0n this Statement in the payment stub alea containing yOUI balance and minimum payment amount. Be swe t0 include yOLJI payment stub, d0 not staple 0| clip youu payment 10 the stub, include youu account numbeu 0n youu check, use the envelope plovided with youu Statement, send one payment with one payment stub and d0 not send any conespondence with yOUI payment. You should ovemight a payment t0 6550 Nonh Loop 1604 East, Suite 101, San Antonio, TX 7824775004 and the additional fOImat quuilements ale the same as othel mailed payments unless thele is a dispute, in which case you follow the Payments Malked 'Paid In Full' section above. [)0 not send cash 0| gift celtificates. Pay By Phone: You can call us toll flee at 17888729275707 (TDD/TFY 17800769571788) t0 make a payment by telephone, which may include a fee. Online: You can make a payment online at comenity.net/anntaylorcard. Payment Cutoff Times. Payment cutoff limes/deadlines fOI us t0 Ieceive payments ale by the due dale 0n this Statement in the payment stub alea at the following times: Mailing and Overnight: By 6:00 pm Easteln Time (ET); Pay By Phone: By 8sz pm (ET); Online: By 8sz pm (ET). New Information Txtle (optiona‘) First Name M \ Last Name Soc. Sec. N0. Street Address Apt No. RR City State Home Phone Emawl Address pr Code PO Box Foreign Map Code Work Phone PAGE30F4 Additional important messages - continued How to avoid or minimize interest charges: Be sure to pay any promotional plan balance in full on or before the plan expiration date shown in the “Details of your plans” section of your statement. Please also keep an eye out for notifications of when your promotional plan(s) are nearing their expiration date-you’ll see them in the red box on page 1 of your statement. If you have questions, please call us toll-free at 1-888-292-5707 (TDD/‘I'I'Y:'1-800-695-1788). T0 learn more about how promotional plans work, visit comenity.com/financial-education. We’re always happy to help. IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089 (TDD/‘I‘I'Y 1-800-695-1788) and we will find a suitable payment before the end of this month. If written off, the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the appropriate steps, as permitted and available under applicable law, to protect our interests. Protect yourself against mail and phone consumer fraud. httpzllabout.usps.com/publications/pub281/welcome.htm PAGE 4 OF 4 KOOOQQ 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 EXHIBIT 3 TAKE AN EXTRA 15% OFF YOUR ENTIRE PURCHASE ON THE FIRST TUESDAY OF EVERY MONTH WHEN YOU USE YOUR ANN TAYLOR CARD" VALID EXCLUSIVELY AT ANN TAYLOR. ANNTAYLOP COM, LOFT. LOFT COM ANN TAYLOR PAGE 1 OF 4 Summary of account activity Accoum no. “**-****-“**-6403 New balance $2,201 .66 Minimum paymem due $68.00 Previous balance $1 984.67 Payment due date 06/16/2019 Payments 409.00 _ Oiher credfls 0.00 Late payment warn'n9: Purchases 279-57 If we do not receive your minimum payment by 06/16/2019 you may Oiher debhs 0.00 have io pay up 10 a $38.00 late fee. caSh advanoe 0'00 Minimum payment warning: If you make only me minimum Balanoe "anger 0'00 paymerrl for each period, you will pay more in interest and i1 will 1ake Fees Charged 0'00 you longerio pay off your balanoes. For example: lrrlerest charged 46.42 New balance $2,201 .66 If you make no addifional You will pay off And you will charges using his card he balance shown end up paying an P351 due amour” 0'00 and each month you pay: on the stabrnent esfimabd tohl Cred'n Iim'n $3,000.00 in abwt 0f: Available credii $798.34 Only the minimum payment 12 years $5743 Cash credit lim'rt 600.00 Available cash $600.00 $91 8 years fags): s $2484) Statement closing date 05/21/201 9 g Days in bimng Cyde 31 For informaiion regarding credit counseling services, call 1-800-284-1 706. Account Questions? Need t0 make a payment? Want t0 know how to g0 paperless? Visit comenityflet/anntaybrcardor call 1-888-292-5707 (TDD/TTY 1-800-695-1788). Want t0 stay in the know with credit tips and news? Visit us at facebook.com/askc0menity 0r at twitter.com/askcomenity. REWARDS SUMMARY Earn 5 Reward points for every Receive a $5 Reward card for dollar spent in stores or online at every 500 points earned.* Ann Taylor and LOFW Earn 2 Reward points for every dollar spent on gas and groceries.* Earn 1 Reward point per dollar spent everywhere else you shop. Online purchases require U.S. shipping address. See Reverse. Details of your transactions TRANS DATE TRANSACTION DESCRIPTIONJ‘LOCATION AMOUNT 05/10/201 9 PAYMENT-THANK YOU _1 0900 05/1 1/2019 THAI ELEPHANT EXPRESS SAN JOSE CA 18.90 05/1 1/2019 QUEEN KHO BO SAN JOSE CA 15.34 05/17/2019 SHELL OIL 57444591408 CAMPBELL CA 52m 05/18/2019 WM SUPERCENTER #5435 SAN JOSE CA 21 .69 05/18/2019 WM SUPERCENTER #5435 SAN JOSE CA 26.14 05/18/201 9 WAL-MART #3023 SAN JOSE CA 1002 05/19/2019 CHEESECAKE SAN JOSE SANTA CLARA CA 125,47 Please tear at perforation above Account number “**-““-*“*-6403 A N N TAY |-O R New balance Minimum payment $2,201 .66 $68.00 99 3 Yes | have moved or updated my Payment mUSt ream US byD a_m'a" address _ see reverse Amount enclosed: 6 pm ET On 06/1 6/2019. Please make check payable to: COMENITY -ANN TAYLOR Masiercard |“I'II'I""|I||"lII“I"'”I'II'IIIII'III"|II|I'“I|II”II"I Please return this portion along w'rth your payment to: Es‘éEEMfiSYSRD po Boxesg4so SAN JOSE CA 951483304 SAN ANTONIO TX 78265-9450 “Subject to credit approval. Cannot be used on prior purchases. Valid at LOFT, LOFT.com, LOFT Outlet, LOFT Next Door, Ann Taylor, anntaylomom and Ann Taylor Factory Store only. Not valid at Lou 8. Grey or louandgreycom. Combinable with in-store promotions but not combinable with other offers or coupons. Taxes, shipping and handling fees, purchases of gift cards, charges for gift boxes and payment of a LOFT or Ann Taylor account are excluded from the discount. Keep thls portion for your records. What To Do If You Think You Find A Mistake On Your Statement If you think thele is an eIIOI 0n yOLJI statement, Wlite t0 us at: Comenity Bank PD Box 182782, Columbus, Ohio 4321872782. In youu lellel, give us the following infoumalion: ' Account information: YOUI name and account numbel. ' Dollar amount: The dollal amount 0f the suspected eIIOI. ' Description d Problem: If you think thele is an eHOI 0n yOUI bill, descuibe what you believe is Wlong and why you believe it is a mistake. You must contact us within 6O days aftel the eIIOI appealed 0n yOLJI statement. You must notify us 0f any potential eIIOIs 1n wr/tmg. You may call us, but if you d0 we ale not quuiled t0 investigate any potential eHOIs and you may have t0 pay the amount in question. While we investigate whethel OI not thele has been an eIIOI, the following ale tlue: 0 We cannot tly t0 collect the amount in question, 0| Iepon you as delinquent 0n that amount. 0 The chalge in question may Iemain 0n yOUI statement, and we may continue t0 chalge you intelest 0n that amount. But, if we detelmine that we made a mistake, you will not have t0 pay the amount in question OI any intelest OI othel fees [elated t0 that amount. 0 While you d0 not have t0 pay the amount in question, you ale Iesponsible fOI the Iemaindel 0f yOUI balance. 0 We can apply any unpaid amount against yOUI Cledit limit. Your Rights If You Are Dissa fisfied Mth Your Credit @rd Purchases If you ale dissatisfied with the goods 0| selvices that you have pwchased with yOUI cuedit cald, and you have tlied in good faith t0 conect the ploblem with the melchanl, you may have the light not 10 pay the [emaining amount due 0n the puuchase. T0 use this light, all 0f the following must be hue: 1. The pwchase must have been made in yOUI home state OI within 100 miles 0f yOLJI cunent mailing addless, and the pumhase plice must have been mOIe than $50. (Nore: Neithel 0f these is necessaly if youu pwchase was based 0n an advenisement we mailed t0 you, 0| if we own the company that sold you the goods 0| selvices.) 2. You must have used yOLJI Cledit cald f0l the pwchase. Pumhases made with cash advances flom an ATM OI with a check that accesses yOUI Cledit cald account d0 not qualify. 3. You must not yet have fully paid fOI the puuchase. If all 0f the Clitelia above ale met and you ale still dissatisfied with the pumhase, contact us 1n wrx'tmgal: Comenity Bank PD Box 182782, Columbus, Ohio 4321872782. While we investigate, the same Iules apply t0 the disputed amount as discussed above. Aftel we finish 0L“ investigation, we will tell you 0w decision. At that point, if we think you owe an amount and you d0 not pay we may Iepon you as delinquent. PAYING INTEREST. YOUI due date is at least 23 days aftel the close 0f each billing cycle. We will n01 chalge you inlelest 0n puuchases if you pay yOUI entile balance by the due date each month. We will begin chalging intelesl 0n balance hansfels and cash advances 0n the tlansaction date. We will begin t0 chalge inlelesl 0n new pwchases made undel a Low APR, Equal Payment 0| Budget Payment Cledit Plan flom the dale 0f pwchase. BALANCE COMPUTATION MEI'HOD. We calculate inlelesl sepalalely fOI each type 0f balance 0n yOUI account using a “Daily Balance" t0 detelmine intelest chalges fOI each billing pe1i0d. We figwe the intelest chalge 0n yOLJI account ty applying the pe1i0dic late t0 the “daily balance" 0f yOLJI account fOI each day in the billing Cycle. T0 get the “daily balance” we take the beginning balance 0f yOUI account each day, add any new pwchases, advances, fees and balance tlansfels, and subtlact any payments OI Cledits (heating any net Cledit balance as a zelo balance). This gives us the daily balance. CREDIT REPORTING. We may Iepolt infOImation about yOLJI account t0 cuedit buueaus. Late payments, missed payments, 0| othel defaults 0n youu account may be Ieflected in youu cuedit Iepom NOTICE OF CREDIT REPORT DISPUTES If you believe the account infOImation we IepOIted t0 a consumel Iepofiing agency is inaccwate, you may submit a dilect dispute t0 Comenity Bank PD Box 182789, Columbus, Ohio 4321872789. YOUI \Mitten dispute must plovide sufficient infOImation t0 identify the account and specify why the infOImation is inaccwate: 0 Account InfOImation: YOUI name and account numbel 0 Contact InfOImation: YOUI addless and telephone numbel 0 Disputed InfOImation: Identify the account infOImation disputed and explain why you believe it is inaccwate 0 Suppomng Documentation: If available, plovide a copy 0f the section 0f the Cledit IepOIt showing the account infOImation you ale disputing We will investigate the disputed infOImation and Iepon the Iesults t0 you within 3O days 0f Ieceipt 0f the infOImation needed f0l 0L“ investigation. If we find that the account infOImation we IepOIted is inaccwate, we will plomptly plwide the necessaly conection t0 each consumel IepOIting agency t0 which we Iepolted the infOImation. PAYMENTS MARKED "PAID IN FULL". All Wlitten communications Iegalding disputed amounts that include any check 0| othel payment instlument malked with “payment in full” OI similal language, must be sent 10: 6550 Nonh Loop 1604 East, Suite 101, San Antonio, TX 7824775004. DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE. 7We may accept payment sent t0 any othel addless without losing any 0f 0w lights. 7 N0 payment shall opemte as an aCCOId and satisfaction without pIiOI Wlitten apploval. CUSTOMER SERVICE. Visit comenity.neUanntay|0IcaId 0| call 17888729275707 (TDD/ Y 1780069571788). TELEPHONE MONITORING. T0 plwide you with highiquality selvice, phone communication with us is monitoued and/OI IeCOIded. ADDITIONAL INFORMATION. The following designations, when appealing 0n the flont 0f yOLJI statement, mean the following: V means valiable late (this late may valy); WV INT PAY RQ means WAIVE INTEREST, PAYMENT REQUIRED; VW INT EL} PY means WAIVE INTEREST, EQUAL PAYMENT; VW INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; [)F INT PY Rt} means [)EFER INTEREST, PAYMENT REQUIRED; DEF INT EL} PY means DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. If you have a valiable late account, yOLJI peliodic [ates may valy. You may pay all 0f yOLJI Account balance at any time without penalty. Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus, Ohio 432132273. Send all bankruptcy notices and related correspondence to Comenity Bank, Bankruptcy Department, PO Box 182 125, Columbus, Ohio 432 1&2 125. NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you plwide a check as payment, you authOIize us eithel t0 use infOImation flom yOLJI check t0 make a oneitime electionic fund tlansfel flom yOLJI account 0| t0 plocess the payment as a check tlansaction. When we use infOImation flom yOUI check t0 make an electionic fund tlansfel, funds may be withdlawn flom yOLJI account as soon as the same day we Ieceive yOLJI payment, and you will not Ieceive yOLJI check back flom yOLJI financial institution. PAYMENTS. Pay yOUI Account by the payment due date by the time listed below. If we d0 not Ieceive yOLJI payment in a conect fOImat (outlined below) it may n01 be Clediled t0 yOUI Account fOI up t0 five days, 0| may be [ejected Also, yOUI payment must leach us by the payment cutoff time that applies t0 the payment method you select. This cald is issued ty Comenity Bank pwsuant t0 a license flom Mastelcald Intelnational InCOIpOIated. Mastelcald is a Iegisteled tlademalk 0f Mastelcald Intelnational InCOIpOIated. Correct Format. Conect fOImat fOI diffelent payment methods include: Mailing or Overnight: Send a pelsonal check, money Oldel, tlavelel’s check 0| cashiel’s check payable in U.S. dollals, 10 the name and addless shown 0n this Statement in the payment stub alea containing yOUI balance and minimum payment amount. Be swe t0 include yOLJI payment stub, d0 not staple 0| clip youu payment 10 the stub, include youu account numbeu 0n youu check, use the envelope plovided with youu Statement, send one payment with one payment stub and d0 not send any conespondence with yOUI payment. You should ovemight a payment t0 6550 Nonh Loop 1604 East, Suite 101, San Antonio, TX 7824775004 and the additional fOImat quuilements ale the same as othel mailed payments unless thele is a dispute, in which case you follow the Payments Malked 'Paid In Full' section above. [)0 not send cash 0| gift celtificates. Pay By Phone: You can call us toll flee at 17888729275707 (TDD/TFY 17800769571788) t0 make a payment by telephone, which may include a fee. Online: You can make a payment online at comenity.net/anntaylorcard. Payment Cutoff Times. Payment cutoff limes/deadlines fOI us t0 Ieceive payments ale by the due dale 0n this Statement in the payment stub alea at the following times: Mailing and Overnight: By 6:00 pm Easteln Time (ET); Pay By Phone: By 8sz pm (ET); Online: By 8sz pm (ET). New Information Txtle (optiona‘) First Name M \ Last Name Soc. Sec. N0. Street Address Apt No. RR City State Home Phone Emawl Address pr Code PO Box Foreign Map Code Work Phone @ Join Our Email List AND NEVER MISS OUT ON CARDMEMBER-ONLY SALES, SNEAK PEEKS, SPECIAL EVENTS, AND SO MUCH MORE. VISIT ANNTAYLOR.COM/NEWCARDMEMBER TO SIGN UP. ANN TAYLOR Interest charged Interest charge on purchases $46.42 Interest charge on cash advance $0.00 Interest charge on balance transfer $0.00 Total interest for this period $46.42 201 9 totals year to date Toial fees charged in 2019 $75.00 Toial imeresi charged in 2019 $168.16 Interest charge calculation YourAnnual Percentage Rate (APR) is the annual interest rate on your accourrl. See BALANCE COMPUTATION METHOD on page 2 for more deiails. Minimum interest charge may exceed interesi charge below, per your cred'rl card agreement. TYPE 0F BALANCE SUBJECT INTEREST BALANCE APH To INTEREST RATE CHARGE Purchases 27.2400% (V) 2,006.52 46.42 Cash advances 27.2400% (V) 0.00 0.00 Additional important messages Important Reminder: Promotional plan expiration dates and payment due dates may be different. If you have previously made purchases with this credit card u3ing a promotional plan, or might do so in the future, this information applies to you. In the past, we haven’t always stopped the promotional terms immediately after a promotional plan eXpires. However, we will begin doing so effective 6/1/2019. This means that if you have a remaining promotional plan balance after the expiration date, you will see the balance and any accrued interest (if applicable) has been moved to your regular revolving plan on the billing statement following the change. How to avoid or minimize interest charges: Be sure to pay promotional plan balances in full on or before the expiration date(s). Please keep an eye out for notifications when your plans are nearing their expiration dates - you’ll see them in the red box on page 1 of your statement. If you have questions, please call us toll-free at 1-888-292-5707 (TDD/TTY11 -800-695-1788). To learn more about how promotional plans work, visit comenity.com/financial-education. We’re always happy t0 help. The core benefits for your ANN TAYLOR Mastercard credit card are changing. Beginning July 1, 201 9, your Mastercard core benefits will include Mastercard ID Theft Protection”, Global Service and Airport Concierge”. Price protection and extended warranty will no longer be offered. Please call the number on your statement for questions about your ANN TAYLOR Mastercard credit card account. For more information on your specific Mastercard benefits, call the Mastercard Assistance Center toII-free at 1-800-MC-ASSIST (TDD/TTY; 1-800-307-7309), or call collect to the U.S. at 1-636-722-71 1 1 . If you only pay the minimum amount due, you will receive finance charges. To avoid being assessed a finance charge on a non-promotional plan balance, be sure to pay your balance in full by your due date. (CONTINUED) PAGE 4 OF 4 Additional important messages - continued *This Rewards Program is provided by ANN |NC., and it's terms may change at any time. For Full Rewards Terms and Conditions, please see www.comenity.net/anntaylorcard. This number may not reflect all current earnings due to calculation delays. All earnings not reflected on this statement will be reflected on your next billing statement. Please view the Points Summary or Reward Details section at comenity.net/anntaylorcard to view your complete point earnings balance information. EARN Rewards EVEN FASTER!* Add an authorized buyer to your credit card account and see how quickly your points can add up. Visit comenity.net/anntaylorcard to add an authorized buyer. PLEASE NOTE; Mastercard® payments are not accepted in any Ann Taylor, LOFT, or Factory location. How can you take charge against ID Theft? Visit idtheftgov to find out.