Complaint Limited 10K and 25K

Cal. Super. - 6th Dist.March 18, 2021

E-FILED 3/18/2021 9:15 AM Clerk of Court Superior Court of CA, County of Santa Clara 21CV379052 Reviewed By: K. Himes 21CV379052 JACK H. POGOSIAN. State Bar N0.: 305M] MANASI TAHILIANI, State Bar No.: 272821 CHRISTINA ARNOLD. State Bar N0.: 297590 HYO JIN JULIA JUNG, State Bar No.1 3 16090 2 MELINE GRIGORYAN, State Bar N0.: 321 133 3 MICHAEL D. KAHN. State Bar No; 236898 NICHOL ALAN DE GUZMAN, State Bar No.: 3 14989 4 CAMRYN P. BERK, State Bar N0.: 317'565 5 350 CAMINO DE LA REINA. SUITE 100 SAN DIEGO, CA 92 108 6 Telephone: (866) 300~8750 Facsimile: (858) 309-! 588 7’ Attorneys for Plaintiff 8 SUPERIOR COURT 0F CALIFORNIA 9 COUNTY 0F SANTA CLARA DOWNTOWN SUPERIOR COURT 10 Midland Credit Management, Inc. Case No. ‘ I Plaintiff, COMPLAINT FOR: 12 vs. (1) Account Stated l3 Thanh V Bui; PRAYER AMT: $1 7,650.62 14 and DOES l through 10, inclusive Limited 15 Defendant. 16 17 l. Plaintiff, Midland Credit Management. Inc. ("Plaintiff'j, is a Limited Liability Company 18 qualified t0 d0 business in California. l 9 2. This court is the proper coun because Plaintiff is informed and believes that Defendant 20 Thanh V Bui ("Defendant"), is a resident of SANTA CLARA County, State of California. 3. Plaintiff is unaware 0f the true names and capacities 0f Defendants sued by the fictitious 21 names DOES l through 10. Plaintiff'will ask leave of court to amend this complaint as and when the true 22 names and capacities of Defendants named herein as DOES I through IO have been ascertained. 23 4. Al all times herein mentioned, Defendants, and each of them, were the principals, agents, 24 employers, employees, masters. or servants 0f each of their co-defendanls and ratified, adopted or 25 approved the acts 0r omissions alleged herein. and each defendant, in doing the things alleged. were 26 acting in the course and scope of said authority of such agents, servants, and employees. 5. Pursuant to Califomia Civil Code §1788.58(a)(l), Plaintiff is a debt buyer as defined by 27 California Civil Code §1783.50{a). 28 6. Attached hereto are records regarding the accounts andlor payments received. -1. COMPLAINT CA_0|32M Fill: No; 21-2557? \DmflothN-d ._.--..- N-‘O 13 FIRST CAUSE OF ACTION ACCOUNT STATED - AGAINST ALL DEFENDANTS 7. Pursuant to California Civil Code §l788.58(a)(2). Plaintiff is seeking to recover the amount of $1 l,308.79 for the account listed in the First Cause 0f Action. This is the amount due on credit card account number XXXXXXXXXXXX-5837 (”Account")' which was originally issued by CAPITAL ONE BANK (USA), N.A.. The amount due is the result 0f transactions that occurred on the Account. 8. Pursuant to California Civil Code §l788.58(a)(3), Plaintiff is the sole owner of the debt. Attached hereto is a true and correct copy of the Bill of Sale from CAPITAL ONE BANK (USA), N.A. Io Plaintiff. The account was purchased by the Plaintiff on October 29, 2019. 9. Pursuant to California Civil Code §l788.58(a)(4), the Account balance at the time of charge-off was $l 1,308.79. 10. 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 Balance: $1 1,308.79 Total Post Charge-Off Interest $0.00 Total Post Charge-Off Fees} $0.00 l l. Pursuant to California Civil Code §1788.58(a)(5). Plaintiff alleges that the date of default is March 21. 2019 and the date of the last payment was January l9, 20l9. 12. 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 CAPITAL ONE BANK (USA), N.A.. On information and belief the Plaintiff alleges that an address utilized by CAPITAL ONE BANK (USA), N.A. at the time of charge-off was [680 CAPITAL ONE DRIVE MCLEAN VA 22101. Al the time of charge off the account number associated with the debt was XXXXXXXXXXXX-5837. l3. Pursuant to California Civil Code §l788.58(a)(7), Plaintiff alleges that the name of the debtor as it appeared in the records of CAPITAL ONE BANK (USA). N.A. is THANH V BUI and the last known address as it appeared in the records of CAPITAL ONE BANK (USA), N.A. is SPC 296 6130 MONTEREY HWY SAN JOSE CA 95138] 733. ' Pursuant to California Rule of Court and California Civil Code §1788.58(c) the Account number has been redacted to protect the Defendant's confidential information. 1 This amount may include the charged-off principal amount and pre-charge-off accrued interest as set forth in the seller data sheet attached hereto. 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. .2- COMPLAINT CA_0|32M Filt No.2 2l-25577 'JI-bWN \OOONO‘ 10 11 12 l3 14 16 17 18 19 20 2| 22 23 24 25 26 27 28 14. Pursuant t0 California Civil Code §1788.58(a)(8). Plaintiff alleges that the name and address of all post charge-off purchasers of the debt are as follows: Name Address MIDLAND CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN TNC. DIEGO CA 92108 15. Pursuant to California Civil Code §1788.58(a)(9) Plaintiff alleges that it has complied with the provisions of Civil Code §l788.52 and that it infomed Defendant of the assignment of the account. 16. Pursuant to California Civil Code §l788.58(b) attached hereto 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 §l788.52(b). l7. The Account balance at the time of charge-off was $1 l,308.79, attached hereto 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. 18. By this complaint, Plaintiff seeks to recover amounts of $1 l,308.79 from Defendant. l9. 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. 20. Before commencement of this action, Plaintiff informed Defendant in writing that it intended t0 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 § lO33(b)(2). 2]. 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. -3- COMPLAINT CA_0l32M File No.: 21-25577 OOOQGM¥MN~ NNNNNNN~N____-_____ MNOM&WN-C\OOOQO\UIAWN~O 22. Within the last four (4) years. Defendant became indebted on the Account to Plaintiff in the sum of $1 1,308.79 on an account stated in writing by and between Plaintiff and Defendant. 23. Regular monthly statements were mailed to Defendant listing the debits. credits. and balance due on the Account. 24. Defendant last made a payment on the Account on January l9. 2019. 25. Plaintiff has no record of Defendant objecting to the monthly statements after receipt. 26. Plaintiff has made demand on Defendant for repayment of the account stated but Defendant has failed to pay the balance due. 27. As of the date of this complaint there is due and owing the unpaid sum of $1 1,308.79. This amount was arrived by subtracting all payments and applying all credits (if any) to the charge-off balance of $1 1,308.79 as indicated on the charge-off statement. .4- COMPLAINT CA_OI32M File No.: 21-25577 \OMNO‘LllbLo-JN- NNNNNNNNNI-H-M------ WQOM&WN-‘O\OW\IO\M#WN-o SECOND CAUSE OF ACTION ACCOUNT STATED - AGAINST ALL DEFENDANTS 28. Pursuant lo California Civil Code §l788.58(a)(2), Plaintiff is seeking to recover the amount of $6,341.83 for the account listed in the Second Cause of Action. This is the amount due on credit card account number XXXXXXXXXXXX-4057 ("Account")’ which was originally issued by CITIBANK, N.A.. The amount due is the result of transactions that occurred on the Account. 29. Pursuant to California Civil Code §l788.58(a)(3), Plaintiff is the sole owner of the debt. Attached hereto is a true and correct copy of the Bill of Sale from CITIBANK, N.A. to Plaintiff. The account was purchased by the Plaintiff on October 22, 2019. 30. Pursuant to California Civil Code §l788.58(a)(4), the Account balance at the time of charge-off was 56,4323 l. 31. In accordance with Califomia Civil Code §l788.58(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 Balance3 $6,432.31 Total Post Charge-Off Interest $0.00 Total Post Charge-Off Fees3 $0.00 32. Pursuant to California Civil Code §l788.58(a)(5). Plaintiff alleges that the date of default is March 18, 2019 and the date of the last payment was April 12, 2019. 33. 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 CITIBANK, N.A.. On information and belief the Plaintiff alleges that an address utilized by CITIBANK, N.A. at the time of charge-off was 701 EAST 60TH STREET NORTH SIOUX FALLS SD 57] l7. At the time of charge off the account number associated with the debt was XXXXXXXXXXXX-4057. 34. Pursuant to California Civil Code §l788.58(a)(7). Plaintiff alleges that the name of the debtor as it appeared in the records of CITIBANK, N.A. is THANH V BUI and the last known address as it appeared in the records of CITIBANK, N.A. is 6130 MONTEREY HWY SPC 296 SAN JOSE CA 951381733. ' Pursuant to California Rule of Coun and Califomia Civil Code §l788.58(c) the Account number has . been redacted to protect the Defendant's confidential infomation. 3 This amount may include the charged-off principal amount and pre-charge-off accrued interest as set fonh in the seller data sheet attached hereto. 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. -5. COMPLAINT CA_0|32M File No.: 21-25541 Oooflomhb-DN- NNNNNNNNN.-_.-______._ oonM-AWN-‘OOOONOUIALQN-O 35. 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 CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN INC. DIEGO CA 92 108 36. Pursuant to California Civil Code §l788.58(a)(9) Plaintiff alleges that it has complied with the provisions of Civil Code §l788.52 and that it informed Defendant of the assignment of the account. 37. Pursuant to California Civil Code §1788.58(b) attached hereto 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 §l788.52(b). 38. The Account balance at the time of charge-off was $6,432.31. attached hereto 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. 39. By this complaint, Plaintiff seeks to recover amounts of $6,341 .83 from Defendant. 40. 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. 4|. Before commencement of this action. Plaintiff infomed 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). 42. 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. -6- COMPLAINT CA_0132M File No.2 21-25541 \OWQONQIIA 43. Within the last four (4) years, Defendant became indebted on the Account to Plaintiff in the sum of $6.34] .83 on an account stated in writing by and between Plaintiff and Defendant. 44. Regular monthly statements were mailed to Defendant listing the debits. credits, and balance due on the Account. 45. Defendant last made a payment on the Account on April 12. 2019. 46. Plaintiff has no record of Defendant objecting to the monthly statements after receipt. 47. Plaintiff has made demand on Defendant for repayment of the account stated but Defendant has failed to pay the balance due. 48. As of the date of this complaint there is due and owing the unpaid sum of $6,341.83. This amount was arrived by subtracting all payments and applying all credits (if any) to the charge-off balance of $6,432.31 as indicated on the charge-off statement. -7- COMPLAINT CA_0|32M File No.1 2l-2554l U .< .,. 1 WHEREFORE, Plaintiff prays for judgment against Defendant as follows: a 2 0n the First and Second Cause of Action: 3 l. For the unpaid balance of $17,650.62; 2. Costs of suit; 4 3. Such other relief as the Court may deem just and proper. 5 6 7 Dated: j’../}1 Midland Credit Management, Inc. 8 9 By: ' 10 UJACK H. OGOSIAN D MANASI TAHILIANI 1 1 D HYO JIN JULIA JUNG D MELINE GRIGORYAN 12 D CHRISTINA ARNOLD D MICHAEL D. KAHN l3 NICHOL ALAN DE GUZMAN l4 DCAMRYN P. BERK 15 l6 l7 18 l9 20 21 22 23 24 25 26 27 28 -3- COMPLAINT CA_0I32M File No; 21-25577 EXHIBITS Forward Flow Receivable Sale Agreement dated November 15, 2018 BILL 0F SALE Closing Date: October 29, 2019 Capltal One Bank (USA), National Association (“Seller"), in consideration of a Purchase Price of- and othcr valuable consideration. thc receipt of which is hereby acknowledged. hereby sells. assigns and transfets all right. title and interest in thc Accounts identified in Ihc Sale File entitled OMEGA. BN0076.SALES.PROD-EASTBFRLLEZU l 9| 0027“BN()07()_customer.dat OMEGA.BN0076.SALES.PROD-EAST.BFRI.I.E20 l 9 l 002_BN0076_main.dat OMEGA.BN0076.SALES.PROD-EAST.DFRLLE20191002 ?BNUO76_phunc.dut (which may be in electronic form) to Midland Credit Management, 1110.. m: successor in interest to, Midland Funding LLC (“Buyer"), without recourse or representation except as exprwsly provided herein or on the terms, and subject to the conditions, sci forth in the Agreement (as defined below). This Bill of Sale is delivered pursuant to lhat certain Forward Flow Receivable Sale Agreement, dated as ofNovcmbcr 15, 201 8, by and between Seller and Buyer (the “Agreement"). All capitalized terms used. but n01 defined, in this Bill of Sale shall have the meanings assigned to such terms in thc Agreement. The (‘ulotT Date for thc Sale File was October 23, 2019. The aggregate Unpaid Balance of the Accounts as of the (Tutufl’Dale was- CAPITAL ONE BANK (USA), MIDLAND CREDIT MANAGEMENT, INC. NATIONAL ‘ ‘SOCIATION ) Forward Flow Receivable Sale Agreement dated November 15. 2018 AFFIDAVIT OF SALE 0F ACCOUNT BY CREDITOR Stale 0f Virginia. Coumy of Goochland. James R. Lune: being duly sworn. dcposcs and says: l am over 18 and not a party t0 this action. l am a Vicc President of Capital One Bank (USA), National Amwialiun. In that position I am aware of the procms of the sale and assignment of electronically stored business records. On or about October 23. 2019. Capital One Bank (USA). National Association sold a pool of chargedooff accounts (the Accounts) by a Forward Flow Receivable Salc Agreement and a Bill of Sale to Midland Credit Management. Inc., as successor in interest to, Midland Funding LLC. A: part of the sale nf the Accounts. electronic records and other records were transferred on individual Accounts lo the debt buyer. ’lhcsc records were kcpl in the ordinary course of business of Capital One Bank (USA), National Association. I am nol awam of any errors in these accounts. The above statements are true to the best ofmy knowledge. Signed [his_ 2_8_ dayOTM 20l9. SUBSCRIBED and sworn to before me, the undersigned Notary Public in the jurisdiction aforesaid, by Lang. Lang, who is personally known lo mc and who acknowledged before me his signature to the fomgoing Affidavit. GIVEN under my hand and seal this fizé‘” _ day of H°WFBV , 2019. LAW “M Y I ' ' W|LLIAM WESTON PAIGE William Weston Paige NOTARY pusuc Notary Public REG. "796956 COMMONWEALTH 0f VIRGMIA HY COMMISSION EXPKRES OCY. 31, 2022 Forward Flow Receivable Sale Agreement dated November 15, 2018 CERTIFICATE 0F CONFORMITY CERTIFICATE 0F CONFORMITY MADE PURSUANT To CPLR 2309(c) and RPL 299-a l, an allomey-ut-Iaw admitted to practice in lhc Commonwealth ofVirginia, do hereby certify that William Weston Paige, is a notary public in and for the Commonwealth ofVirginia, in lhcjurisdiction afommcntioncd and thc acknowledgment upon affidavits for Capital One Bank (USA). National Association are taken in thc manner prescribed by the laws of the Commonwealth ofVirginin and conforms lo the laws thereof in all respects. 1N WITNESS WHEREOF, I have hereunto set my signature, {hislLday of 313555552019. DWI; 3. HHCSLLLb/ IU/ 7 Printed Name STgnEEfiAEE Attorney at Law. Commonwealth of Virginia Field Field Data Account Number -837 Seller Account ID -9694 First Name THANH Middle Name V Last Name BUI SSN XXX-XX-6705 Date of Birth _ Address 1 SPC 296 Address 2 61 30 MONTEREY HWY City SAN JOSE State CA Zip 951 381 733 Home Phone 4086469044 Open Date 01/13/2009 Last Purchase Date 01/23/2019 Last Purchase Amount $79.53 Last Payment Date 01 l1 9/201 9 Last Payment Amount $200.00 Sale Amount $1 1 308.79 Charge Off Date 08/23/2019 Charge off Balance $1 1 .30879 Post Charge Off Interest $0.00 Post Charge off Fee $0.00 Post Charge off Payments $0.00 Post Charge off Payments and Credits $0.00 Post Charge off Credits $0.00 Account information provided by Capital One Bank (USA), N.A. pursuant to the Bill of Sale/Assignment of Accounts transferred on or about 10/29/2019 in connection with the sale of accounts from Capital One Bank (USA). N.A. to Midland Credit Management, Inc. OMEGA.BN0076.SALES.PROD-EAST.BFRLLE201 91 002_BN0076_customer.dat OMEGA.BN0076.SALES.PROD-EAST.BFRLLE20191 002_BN0076_main.dat OMEGA.BN0076.SALES.PROD-EAST.BFRLLE201 91 002_BN0076_phone.dat -- .V Page 1 of 2m, 78‘ World Mastemard Account Ending in 5837 Dec ,3}. )018 Jan A). 2029 3‘ ‘ays In BM ng Cycle Payment Information Account Summary Payment Due Dale F=:-r cnlme and chase payments. Prewous Baiance 34.541179 rhe deadline Is 8pm ET. " "”' ’ 'i' ' ' ’ ‘ ‘- Feb. 19, 2019 Payments » SflvlJ CT: New Balance Minimum Payment Due Other Credits $31 4-4 $10,042.34 $225.00 Transactions + $5.653.46 LATE PAYMENT WARNING; If we do not recewe your mlmmum payment caSh Advances * $000 by your due date. you may nave to pay a late fee oi up xo $38.00. Fees Charged + $0 00 ummuu PAYMENT WARNING: If you make only the mummum * '7 _'- payment each penod. you wfll pay move m Interest and z: will take you '"te'ESt Charged + $1 25'53 longer lo pay o." ynu' baiance. For examale- “w .flam. I s'o'mziu llguulnatcno Yhulfiuuuyofl' Andaoulfifii lddflululcnuiususng thnhnumcoshawu . untappufingflmuflch WWW hm Cred_lt LImIt $10,000.00“m . 'm' about... gm 01.; ' ) """-_ ’ h" .‘i mmm ‘ - i r ~- .. Available Credit (as of Jan 22. 2019) $0.00 Mmunnm Payment 22 Years $23,447 cash Advance Credit Um“ $200000 v I , $360 3 em $12361 AvailabIe Credit tor Cash Advances $0.00 Estimated savmgs il balance Is paid of! In about 3 years: $10,486 ll gnu would like Infwmatioa abaul credit oounstllng sennces. tall 1-888-325-8055 F II - ' . ; ’ ‘ Tuck IndMmmwmvom ’ $3.37 mohiuapporon r. x czt- ~51 mama: wmrsmoa WWW 1 $000 mm -_ 431“ v Account Notifications ® Your account has gone over Its credit limit. In addition to vow teauured mu-umum payment pIease pay enough to brlng ycur account balance below you! credit 1mm to avo-d the possubmly of being declmed Pay m manage your account on cur mobile app or at ' .- ‘ z ; 1 - w Custemm Service: 1-800-903-3637 Sec reverse for Important Inlormation Please send us thus portwn a! ymu statement and on}, one thank lat one money anion InW ' mule yum paymenl Is otncemn nmmutly mow at least seven busmess days la dei'wew Pay your bili on the go Paymem Due Date; rah. 19.2019 Account Endmg m 5837 ., l g“ ,, N New Balance Minimum Payment Due Amount Enclosed 1‘”); H" ME $10,042.34 $225.00 $ THANH v aux SPC awe 5130 HONTEREY HUY Capital One SAN Josz. (A 15135-1733 v.0. aox LaSfifi ”lml (ity of Industry. (A HHH-OSQQ I"|'I'"III'III'I'Iluul'lilmh'~'INIIIIII"II'II"'|'I'|III 1 5837 22 0000000200000225007 WWW" rm Dav your smumenrs New Balance h 'ull bym due data we wfl not dwge you interest on my new transactions ha! post to me Manse segment If you have been pay’mg yam account m full with no Intuesx Charga bul zhen you do no: pay your next New Baiance m hA‘ we wm charge interns! on he Mon o! she baance that 1w did no! pay For Cash Advances and Speaal Transfers. we w." sun dugsng Imaest on the Iransacfion dale Canm pmmotmi odes may aHow yuu 1c pay loss Man the Ida! NM Balance and avoid payng interest Charges on new wrtwses Phase rate! lo the front o!m statement {or addltional information,m Is m Inga! Chagg amied? Interest Charges accrue lrom the data of the wansadmn m :he firs! day cf me Bullmg Cyae In‘eresi Charges accrue on ever}- ward anounl unul n us paxd m ML This mm yo-u may owe Interest Charges even if you pay m en'Jre Nan Ba-mce Vol ore BRIing Cycle. bu! did n01 do so me previous Bimng Cycsa. Unpaid In'eras! Charges are weed to me corresponding segment cl your accounl Do mu moss a Hnlmum lnmcst Chang? We [ray assess a minimum {marest Charge 51 SO SB ?or each Brlhng Cycle r! yam acocum us subjecl lo an Immst ChargeW We use a memcd wired Average Daily Bda'toe [inching new zransacu'ons). First, hat sacfi segminl we lam tho boganning halancl “ch day and add kn rm; transadions and the penodic Inte'est Charge on me prewous days Manse Then we subuact any payments and cred'as for Ina! segment as 01 that day‘ The ram: Is the daiy bum fer cam segmenl Humvar x1 your prevxous 5131mm balance was mm av a credu! amounl new transactions th pos‘ In yuur purc‘rme segment are r501 adoed to the cafiy balance. 2 Next. lo; each segmenl we add he daily balances Ingathet and made mo mm by tho rumba! uf days m he Billmg Cyde The resufl Is the Average Dally Same ior each segment 3 Ax the end ol 22m W19 Cycta. we mulbply your Average Daéy Balance lur Mm segment by me daily periodnc rale IAPR dwuded by 365p 1m that segment and 8m me mumy :he result by the numbet of days m me Biting Cyde. We add me merest Charges Io! all segnenls Iogelhec The result is yuur wlal hlemt Chavgo Io! the Bullmg Cycle The Average Dally Balance ts referred m as the Balance Subject lo Interest Rate in the Intuas: Charge Calculatzon section of [fits Smemenz NOTE' Due Io murdmg or a mummum Interes: Charge this calculation may vary sbwuy from me Interest Charge actually assessedM ch APRs may mama or decrease based on me 04 the foliomng Mus {reported In The Wafl Street Journal ) The letter code bemw corresponds mm me alter nut Icm APRs m 1h. Imamfl Chargl Calculalmn suction o! mes statement a Code non lo How do we calculate your When your APR“) will changeW P ane Rate 4 mavgm The hrs! day of I‘m Bdlmg Cydes that L 3mm I 180R * macaw end In Jan _ April.m and Oc‘. D ane Rate + rwgm Tna first day a! sad: Billing Cycl- F 1 monm LIBOR * margm n l M F 7 l! a Renewal Nance n5 prmled on lhns slalermm you way avccd paying an annual mew‘befshlp Fee 0y roncaumg Customer Service no later man 45 days ma the last day m m Bu‘ng Cycte covered by (ms gunmen! :9 reams: ma! we o‘ose yum actuuni. Tu avovd paying a mommy membership Fee. dose your account and we mu stop assessmg your rNflWy membelsmp Feem You mn comm Customs! SeNice mytne w request lhal we close your account Changing Mailing Address? You can change your address by stqmg ‘mto your account onlme or calling Cushner Servéoe. 001 When you make a payment you auMe us to inmate an ACH ormm paymem that will be dented hum your bask acmmt or ulhor related account When ycu provide a check ct chad: Momwmn lo mm a payment you au1hnrize us to use Informahon from (he check lo make a onH'ne ACH cl other eiewomc :ranste! from your bank account We may $0 process n as a check vansadm Funds may be w‘mdram ?rum your bank account as seer as lhe same day we pmcess war paymentWW We 96mm apply payments up to your Minimum Payment firs: Lo the balance Mlh line lawns! APR {Including O‘ix', APR) and lhcn lo balances with hughe! kPRs We apwy any part 01 ycuma'ymenl exceecng your Mmum Payment Io the balance mm Ilse highest APR, and men lo balances mth lower APRs. Bl R Ms mma Doe's ml A t Small B-v s nls Wha To Do "You Think Yw Find A Misfit. On Your Stumm 'Il youm mete is an enuron your statement write m us at CapnaI One P 0 Box 30235 San Lake Cay. UT 54230-0285 In your lener‘ give us the follawmg untorma‘aon n Account inlormahnn ch name and account mmbe: - Duh! amount The dollar anourd of the suspected error v Descripticn of Problem; H you think there ss an elm: on your bi describe what you believe rs wrong and why you beheve n! s a miszakg You ms: contaa usm 60 days afler the emu acpeared on yw statement You must notify us o! any Dolential ermrs :n wn’tng. You may call us or notrfy us alectmnlcally. bu! If m do we are not vaquzred In mesugam any potently ems and you may have Io pay the amount m question We val! mtlfy you r wing wnhir 30 days o! cur recap! o! you lener Wm we mvesxjgale whether ov not mere has been an arm. me foflowmg are truer I We camel In, lo culled the amoufl 1n quesbom m ream you as delinquani cc lha1 amount The charge m questbon may reman on your statement and we may wn'mue to wage yen Interest an mat amL BULLLwe demmsne [mt we made a mislda you Mu ml have 1o pay ms amount m quasuon ox any inlaes! m othev lees ralaled b ma! amoum o WNe ynu do n01 have :9 pay the amount m question until we send you a mice about lhe outcome o! om Investigabon, you are resccmble f0! the (emainder of you balance - We cm apply any WM amounl against ywr am! knit Wulrrv 90 days ol ow receipt of yeur Ieuei. we “i! send you a \wiuen notice emitting ember that we corrected 1he emu: (:9 appear on yo: next slazemenll or the 'easans we behevem bd )5 Donn! Your Rights I You An Dissausflod With Your Purchase: If you are dissatisfied wkh tho goods or sconce: :hal you have puchased wulh your (:th cam, and you have mad in 900d 1am to correct :he problem wnh the merchant you may have the n‘gm not lo pay me remammg 3mm! due on the purchase. To use m: nghl. me foaming Must be true: 1; You must have used yourM card lnr the purchase Pumases made wnh cash advances from an ATM e! with a check that accesses your cram tam account do not quamy. ma 2] Vou mus! no! yet nave My nan for 1he purchase N all oi me critem above are met and you ye 55F dissatisfied mth lhe purchase. contact us m wnling a! Gama; One PO Box 30285‘ Sal Lake City UT 341300285, While we Invesugate the same rues sow 10 me disputed amount as ascussed abcwe Afler we finish our invcszigafion‘ me will (€43 ym ow oecxsinn. Al ma: mm x1m :hunk you me an amounl and you do ml pay M may repon you as delmquenl. ETGOG 9 2016 Caprla! One. Capiw One Is a fedarfly registered servicem moms Wm? Ym may make your paymant in scverai hays 01w» Banking by logging mic you!aw Capital One Mobibe mung app 1m 399me electron: mes: Calling me tt‘aeohone number listed m the front o! this sia‘emem and providing me 7mm! payment inlmahon‘ 4 Sending mall payments to the addless an the 1mm of mls slatememW the payment Damn cr you acmum :nicnnaum. QN‘ ? u For mobde‘ Mme or over the phc-M. as of the business dayM receive it. as Iong asnrsmaaabyapm ET I Format! asoimebusmessdaywerewvefl aslorg aSImreceweGDySpm ’ccal Iime a:M processmg oemer You must send the mom portion of Ihis slam! and your mack lo (ha payment addnss un lha frunl o! this slalom. Pfease aluw at least seven l7) wsmess days fa!w delrvery Malled payments received by us at any amer locamn or payments in wry other fmn may no! be credited as of 1h: day we receive them Camfafl)7? Transactions .vlsit wry 42-: =3 h ac:mmMn. THANH V BUI #5837: Payments. Credits and Adjustments Dale Description Amount Jan 19 CAPITAL ONE AUTOPAY PYMTAuthDate $2053.1le 19-Dec Jan 21 -CREDIT CASH BEKIE‘WXR-D - ET $4 IHANH V BUI 85837: Transactions Du! Description Moan Dec 24 SportarsMplpatasCA $85.01 Dec 24 AMC NEWPARK 12 #0456NEWARKCA $64.77 Dec 24 GEN KOREAN BEE: HiOUgMLFn‘ASCA #Egd-E Dec 24 FANTASIA COFFEE L TEAMILPITASCA i s14 75 Dec 27 THE GREEN BARNSARATOGACA $60.51 Dec»??? EVCVOLLa-CALEB‘H 650 4743f -‘ -;~?9; Dec 28 HAPPY LEMON FREMONTFREMONTCA $33.34 Dec 28 FANTASIA COFFEE s. TEAMILPITASCA $1525 Dec_28 7 MCDONALD'S F21 IAGSAN JOSEC'AAi _ _~ :24?) Dec 30 SQU'SQ 'MILKcow FREMONFremontCA $33.41 Dec 30 TARGET OOOZBOSASAN JOSECA $340. 72 J; 1 V PAY 1040 SERVICE FEE8885535465rN “$_71 28 Jan 1 U.s. TREASURY TAX PA86573482120c $1812.00 Jan 4 NUSKHL/PHARMANEXBOOAW2000M $706.23 Jan 21 V smwpun-RAMENSAN FRANCIEOCAWr pha-sm. 11 Jan 21 ONEDOME GLOBAL. INC.3033040124CA $121.00 THAN“ V DUI 95837: Tout $5,653.46 Tom Ttansactions lo: Yhis Period 35.65146 $12553Interest Charge on Purchases Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest tor This Period $1 25.53 Page 2 of 2 World MasterCard Account Ending in 5837 Dec 2'3. ?:‘118 Jar 2?, ?nlu 3‘ day: m lehng Cycle Transactions Continued Total Fees charged Total Interest chalged $1 25.53-1 Vow Annual Perreniage Rate iAPR! us the annual Interest rat? or? gout account Type a! Annual Percentage Balance Subjem Imelost Charge Islam: MMAPR) lo Imus! Rm Purchases i7. dO‘raP $8 494. d7 $125. 53 Cash Advances 23 40% P $0 00 $0.00 P,l.,D,F = Vanable Rate See reverse of page l lor delanls. 300084 > Stay on top of your credit score Ink“ ufgw y- -d.1 ,qu: -.v._.x C, - M. "r."\ I'Tx Zh- l 3,. .‘ ' Cai-naifw' Payment Information LII ?3 2019 Aug 7?. ?029 3'; Page 1 of 3 World MastetCatd Account Ending in 5837 'ays :n Fillmg Cycle Account Summary Paymer‘n Due Dam For onlme and phone payments, Prewws Baéance $1 1.14294 PAST DU E the deadline \s 8pm ETV i " i ’ 4' k - "“‘ -' ' “ ‘ ’ - Payments $0.00 New Balance Minimum Payment Due Other Credits $0.00 $1 1,308.79 $1 1,308.79 Transactions * $0.00 mmnum Account UPDATES: C35“ Advances + 30-00 Your lull balance Is due. Any payment vou make wnll reduce yOur balance FeeSvCha'gw + $000 and heIp pay o" your debt faster The amount you owe may dbfler cf Interest Charged + $165 85 you‘ve entered into a separate paymenl ageement. ' New Balance = $1 I 308.79 Available Crednt (as of Aug. 221 201 9) NrA ’ i fl 7 i” 7 fl i 7 mm“ Account Notifications Welcome to your account notihcal-ens. Check back hate each month for important updates about your account Pay or manage your account on om mobile app or at ..... q ’ r ‘ - Custom: Service: 1-800-258-9319 See tears: lor Imponam Intermalion Please send us thus poman al your statement and onry one check (or one money order] lofl' ensue nu! payment is prucessefl mommy Mow at least seven business den 10v oeuvm “m 5‘ . I Cap“ JOng Payment Due Date: PastDue Account Endmg in 5837 New Balance Minimum Payment Due Amount Enclosed $11,308.79 $11,308.79 $ - z z j THANH v aux SP( 295 5130 HONYEREY HIY SAN JOSE: CA 15136-1733 Capital One P.O. Box LDSHfi City o! Industry. (A fil'ILB-OS“ 1 5837 22 ooooooozooooooooooa r 7 II youm your slaloment‘s Nam Balance tn full by the due date. we wfl nox dtarge you Interesl on anym transactions mat post lo the purchase segment If you have been paymg your accom! m furl wim no Interest Charges. but than you do no: pay your non New Mame in ha. we will charge Interns! on [he comm 01 :he baiance that you did n3! pay Fur Cash Advances and Speual Transfem we M! star: vagng Intaesl on the transacuon data Cenan pmmotm: ofiers may allow ycu Ic pay lass man the Iota! Now Balance and 3mm payng Interest Charges on new purcMses Piease r913! Io the iron! c!m statement for addmma‘ mommies. W lnlatasl Chargas accrue hum tho dam o! tho Vansachon m the first day m the Billing Cyae thieves: Chavges accrue m even] mad amount untfl it |s paxd In ful This maps yo-u may owe :rxlerest Charges even if you 93y lhe emits New Banana 'or one Balm; Cycle, bu! did m1 do so the prevnous Binmg Cyde‘ Unpaid Inieres1 Charges are added (o the corresponding segment o! your accountWWW We may assess a minimum Interest Charge of $0 50 b! each Bulhng Cyde 1f yam acmunl is subiecl to an Imam! Charge, We use a method called Average Dally 83mm unc‘admg new transamions) Fm, for each segment we Iae the begmmng balance each day and add m m transattvans and the penodnc Inletes! Crwge an the previous daYs balance Then we subaact any paymeMs Md credits :‘or m segment as o! ha! day. The vesuk is the day bdance lav eaa'w segment However .1 your pmmus slaiemanl balance was zero or a credtl amaunt, new transactions whmh post lo your purchase segment are no! added to the daily balance. 2 NaxL lo! each segmonl m add mo daily baiancos xogamer and amide ma mm by mo mber of days m the BIIIIng Cycle The resull Is the Average Daily Bamce «Jr each segment. 3 A1 :he end of eam 8M Cycle, we multiply your Average Dafy Balance for each segmenl by the dally penodlc rate (APR owuded by 365] (or that segment. and (hen «e mulmy ma resuk by rm numbe! of days n the Bihng Cyde‘ We add me merest Charges [ct all segments together The resun is your lam! waresl Charge for En Billnng Cycle The Average Daily Balance us referred m as the Balance Subject to Imerest Ram in Ihe lute»! Charge Calculabon seuiun of Mus Statemem NOTE' Due Io mundmg or a minimum lnleres: Charge thus calculation may vary 991w 1mm the Interest Charge actually assessed Your APRs tray name ct decrease based on me o4 the 'oilawng néces {receded m The Wall Street Journal ) The Eefler code bebw cumsponds wim the ‘euer nex'. Io 5m! APRs m lhe lnmmfi Charga Caiculalwn sociion of his sta!ement Code nan to How do we calculus yourWWW! wnen yourmm um change Pnrne Ram + margm 3 momh [180R + matgm The ms! nay o! me Bxlfing Cydes the! end In Jan ‘ Aunt Jay and 0d ane Rate + margm The firs! day of sad! Billing Cycle T'UF'D 1 monm LIBOR * margin ll F 7 l! a Mews! Nance Is pnded on this statemem‘ you may am paying an annual membershlp Fee by conlacung Customer Sauce no later man 45 days afle! the lasl day n me Mng Cyde covered by this statement x0 request that «a mse you! acccun! To awn payng a monihiy membership Foo. dose your account and we mil smp assessmg your monlhly membership FeeWM You mo contact Customer Service anyu'me to request I13! we close yam accounl 001WW When you make a payment you aufl‘mte w to inmate an ACH or mum»: payment that will be med horn your Mk account or uthav ralalod account When ycu uavide a check a check mlomuz‘mn Iu make a payment you auxhon'ze us to use Information from the check 1c make a onetme ACH a other electronic transtu horn your bank accaunt. We may aso process rt as a check transacnon Funds may be withdrawn 1mm your bank account as soon as me same day we process your paymentM We generally anNy paymems up lo your Minimum Paymonx firs! lo the balance Mlh tho Iowans! APR (Including D's. APR}. and moo lo balances wim h1gher AFRS We apply any pan o! yourpaymenl exceedvg your Wnum Payment lo the balance wuth me highest APR. and men lo balances mm MAPRS. Mn R mma ‘ 1A t II 'n nl Whn 1’0 Do If You Think You Find A Misti!“ On Your3mm ' H muM here is an error on your summent‘ write m us at Cantu! One P0 Box 30285 San Lake Crty. UT 84130-0285 In your leuen give us the ?ollnwvng miurmauon o Account informalmn Ycor nama and aoceum number, - Dole! amount The dollar mount o4 me suspeded error p Desaiption of Problem: l! you thunk there is an error on yuur bi. descn’be Mm you btlltve ls wreng and why you behave It as a mistake You ms! contact us wm'n 60 days afler the evo' appeared on yew slaiemenl Vou mus! notify us o! any potenh'al evmrs xn wmng‘ You may call us cr notify us electronically but Ii you do we are not mquired In Investigate any patemna errors and you may have lo pay the amoum m queshon We mfl nonfy you m wmmg w'flhm 30 days oi mu recap: n! you letter k‘mie we Investigate Meme! or not mete has been an wot, me {ammo are true. o We wmol try m collect the amoml m quostmn, or recon you as delinquem or- [hat 3mm The charge in question may reman ca your statement and we may continue Io wage you un1eresl on that amt But. I! we daterwme ma! we made a "Nae, yw mu m1 have In pay :he amount m quashon m any Inluesl m othe! fees relatod loM amOum u WM you do not nave w pay the amoum 'm quesfion umil we send you a notice about the outcome oi our Invesllgabon. you are rasponsa‘ble lot the remainder o! you balance u We cm apnly any aw amour“ againsl ynur cram! knit leiw 90 days ol ow veceipl o! your lanai. we wil send you a written notice updating enmer M we correcm lhe error (lo appear on you next slaiemenu or me reasons we helm: me bul |5 cones! Your Rights I You An Dismsflnd th Your Puma": if you are dissatisfied m'xh Ihe goods ur senn‘ces mal you have wchased with your mos! cad, and you have med in good fanth lo correct :he problem with the merchant you may have {he nght no! to pay me ramammg amount due on the purchase To use Bus ught. me follomng mua be lrue' 1) You mm! have used your cred card lnr me purdnase Purmases made wnh cash advanaes from an ATM c! wnh a chem :hat accessa your mm card account do not qualify, and 2} You mus! not yet have My ow 10v the Durwase If all of me cntefia above are mel and you are stiil dissausfied wim Ihe purchase. mad us n wnbng al: Capxlal One PO Box 30285 $8! Lake City. UT 84130-0285. While we investigate {he same Mes appry m the disputed amount as Oscussed above After we finish our investigafion. we wnll Id! ymw decasion. Ax mm point IM think youm an amounl and you do ml pay M may rapon you as wlnqmnl‘ ETC-OB E 2016 Capnd One. Capiw Ono is a fedarfliy regssmed servnce "wk 11mm WW? YOU "‘35! M9 VOW Pavmm m 59W” WSWghgnging Malling Address? You cam mange your address 0y sngmg mto your account onfine m callbng Customs! Service. 1 ome Banking 0y logging mlo youracoomt z Capnal One Mom»8mm app fur appmved elector: Genoa, 3 Calhng Ihe tmphone mum hsmd on the 1mm o! Hus slammed and pfovlding the recurred paymenl Infamamn: 4, Sanding mail mmems L4: the address on me from of his smement Mm ma paymenl cameo o! you scram! miormnbon.WWW? o For mcbde, aim a ow the phat». as of the business daym taceive il, as bng adlsmadebyflpm ET‘ o For mail. as o! the bums day we veaeive n. as long as ll ‘as received by 5 pm. local lime a! or; pvocessing unlit You must md [ht bancm ponim of Ihis simmer“ and your check Q0 (he payment address on the fmnl o! thus statemmt Mme allow at least seven (T) msmass days for nu delwery. Mailed payments recaivsd by us a! any 00er location or payments m an, emu form may no! be credited as 01 lhe dayw recewe them Pay online at www‘capitaloneoom Pay using our mobile app Any written requests on this formMM To manage your account, please rote: to your billing statement for customer service options. Page 2 of 3 World MasterCard Account Ending In 5837 Jul. 23. 2019 - Aug 2?. 2019 31 days In Billing Cycle Capitalonel" Caénaifig Transactions mm{ 1 2:2: --:.=: b 3e:mum THANH V BUI #5837: Payments, Credits and Adjustments rVifit :-'-"‘~'- 3:-ugmhfip Date Description Amman TRANH V BUI 35837: Transactions Date Description nae Descriptiau Total Fees for This Period $0.00 $165 85Interest Charge on Purchases liniterest Chgrge o}! Casn Advances 7 7 7 $0.30 lnterat Charge on Other Basances $0.00 Total Interest lor This Period $165.85 Total Fecs charged $103.00 Total Inlerest charged $1209.45 Interest Charge Ca1culation You: Annual Percenéage Pale (APR) ;s me annual Interest lair. 9n you: acmunt Typo M Annual Percentage Balance Subject Interest Chain Ialaoce RJMhPR) to tamed Rate Purchases 17.40% P $11.223‘01 $165.85 Cash Advances 23.40% P $0.00 $0.00 P.L.D,F ; Vanable Ram. See reverse o! page 1 for details. 201 HS Your account has charged off. It is now being serviced by the Recoveries department. Call 1-800-258-9319 if you have questions about this notice. Contract ID: ENSMUMAAOS l6l9 Document ID: EN8MUMAA05 l7l9Cl DocumcnllD: |0|0|9MCICCIFMBI THIS BILL OF SALE AND ASSIGNMENT dated October 22. 2019. is by'Citibank. N.A.. a national banking association organized under thc laws of the United States. iocatcd at 5800 South Corporate Place. Sioux Falls. SD 57108 ("Bank“). lo Midland Credit Management. Inc.. a corporation organized under the laws of Kansas, with its hcadqunncrs/principal plncc of business at 350 Camino Dc La Reina. Suite 100. Snn Dicgo. CA 92108 ("Buyer”). For value received and subjecl to lhc terms and conditions of lhc Master Purchase and Sale Agreement dnlcd May 16. 2019. between Bank. Department Sloms National Bank. and Buyer (the ”Master Purchase Agreement"). and that certain Addendum No. l dated May I7. 2019. bctwccn Bank and Buyer (the “Addendum". and together with the Master Purchase Agreement, the “Agreement"). the Bank docs hereby transfer. sell. assign. convey. gram. bargain, sct over and deliver lo Buyer. and Io Buyer's successors and assigns. the Accounts summarized on the Asset Schedule attached hcrcto as Exhibit A and included in the Final Electronic File. Capitalized terms not defined hercin shall have the definition ascribed in the Agreement. With respect to information for the Accounts summarized on the Asset Schedule and included in the Final Electronic File. lhc Bank represents and warrants to Buyer that (i) the Account information constitutes thc Bank‘s own business records and accurately reflects in all material respects Lhc information in 1h: Bank’s database; (ii) the Account information was kept in thc regular course of business; (iii) lhc Account information was made m or near the time by. or from information transmitted by. n person with knowledge of the data entered into and maintained in Lhc Accnum‘s database; and (iv) it is the regular prnclicc of lhc Bank's business to maintain and compile such data. CITIBANK. N.A. By: gnature)mm Name: Title: Agthorizcd Pg! Emmuil6l9 Conlrncl ID: EN8MUMAA0516 |9 Document ID: ENBMUMAAOSI'IBCI Document ID: IOIOI9MCICCIFMAI Exhibit A The individual Accounts transferred are described in the final electronic file and dclivcrcd by the Bank to Buyer. the same deemed attached hereto by this reference. # of Sale Rate Accounts Sale Amount Cut-Off Date 10/10/2019 Lot SalelD Costco Fresh 101019MC1CC1FM Flow Encotc0516l9 Contract ID: ENBMUMAAOS l6l9 Document ID: EN8MUMAA05I7I9CI Document D: lOlOl9MClCCIFMG| AFFIDAVIT OF SALE OF ACCOUNT State ol‘ Missouri County o! Platte Gary Goldberg. being duly sworn. dcposcs and says: l nm an authorized employee of Citibank. N.A. ("CBNA") located at 5800 South Corporate Place, Sioux Falls. SD 57108. am authorized to make the statements and representations herein. and l am over l8 years of age. 1n this position. I have access lo the creditor's books and records and am aware of the proccss of the sale of accounts and electronic storage of business records. 0n or about October 22. 2019. CBNA sold n pool of chargod-off accounts (the "Accounts") by n Master Purchase and Snlc Agreement May l6. 2019, Bill of Sale, and Addendum No. t_dntcd May l7, 2019, to MIDLAND CREDIT MANAGEMENT, INC. As part of the sale of the Accounts. certain electronic records wcrc transferred on individual accounts lo MDLAND CREDIT MANAGEMENT, INC. These records were kept in the ordinary course of business of creditor. l am not aware of any enors in Ihc information provided about the Accounts. The above statements arc true to the best of my knowledge. Signed misL day offigi'__.M $$A Gary Mdbcrg Sworn before me this g day of 06% .MO’ . amount E Z E §é ‘m”gmw“9%“: Notary PublicWW Exp?“ (Notary Seal) Mayan My Commission Expires: EacoraOSlew Contract ID: ENSMUMAAOS l6l9 Document ID: ENSMUMAAOS l7 I9Cl Documem ID: IOIOI9MCICCIFMGI CERTIFICATE OF CONFORMITY STATE OF MISSOURI CITY OF KANSAS CITY The undersigned docs hereby certify that hclshe is nn nttomcy at law duly admitted to practice in the State of MMOUR' and is n resident of f {QM County. in the State of msSOUF" ; that he/shc is a person duly qualified to make this certificate of conformity pursuant to the laws of the State of $0158! ; mat the foregoing acknowledgment by Gary Goldberg named in Ihc foregoing instrument taken beforeW n Notary in the Stnlc of Missouri, was lnkcn in lhc manner prescribed by such laws of the State of Missouri. being the State in which i1 was taken; and that it duly conforms wiih such laws and is in all respects valid and effective in such state. 1g; 128 30:9; J ?MW Date Attorney at Low 2 Elect: 051619 Field Account Number First Name Middle Name Last Name SSN Date of Birth Address 1 Address 2 City State Zip Home Phone Open Date Last Purchase Date Last Payment Date Last Payment Amount Charge Off Date Charge off Balance Post Charge Off Interest Post Charge off Fee Post Charge off Payments Post Charge off Credits Affinity Alternate Account #1 Field Data_057 THANH V BUI XXX-XX-6705- 61 30 MONTEREY HWY SPC 296 SAN JOSE CA 951 381 733 40821 631 00 01/20/201 8 02/1 8/201 9 04/1 2/201 9 $51 6.64 09/1 8/201 9 $6,432.31 $0.00 $0.00 $0.00 $90.48 COSTCO ANYWHERE VISA CARD BY CITI ACQ-ovoe Account information provided by Citibank. N.A. pursuant to the Bill of Sale/Asslgnment of Accounts transferred on or about 10/22/2019 in connection with the sale of accounts from Citibank. N.A. to Midland Credit Management, Inc. encore_(New USF External) Encore-Costco-Fresh-FIow-1 019 101019MC1CC1 FM Costco Anywhere Visa“) Card by Citi A- Cll m THANH V BUI Memuev Sum: 20m Accmnt number Pndlnq m: 405! Blllmq Mm :m: 03/20/1904117/19 APRIL STATEMENT Minimum payment due: $808.62 New balance as 0t 04117I19: $5,834.75 Payment due date: 0511 5119 5A: f"; lav :re m rr «f Cvli. Clli with Art Desmn ate legistewd senate mafks 0? Cnllqmup Inc. Visam‘) Is a registered "3ch o' Visa inlemaliond Service Association. Costco C?sh Rewards Summary Tdd Costco CashRm“Mm $76.72 Costco Cash Rewards Summary Costco 555?: Rewards batarze as oléeszsxalerre'z: ‘ ‘. «$7632 {a"e: M's :9'401 r .5003 Tau Couco Cnh Bowl!“ Bounce $16.72You To Dan: Costco Cash Rewards Earned This Period 4% 3r: 93:; rh‘: gu wofiwdc.’ :35 a‘ :cx'm -«u- 3% 0‘ remamanfs ................ 3% cw em.” wave wonawiae .5300 2% on Cosmo an: Casrto com ‘ .V . 7 +3393 Wk O". 3i! nfhé,’ surchases r , 6001: Told Earned: $0.00 » Visit eiu.com/Costco tor more tnlormtion " Up lo $7.000 per year m purchases. menM cash back Costco Anywhere Visa“ Card by Citi mcftT THANK V BUI Membel Smce 2018 Account number ending In: 405/ ummg tr'nr‘can: 08/20/1909/181‘9 SEPTEMBER STATEMENT Minimum payment due: $6,432.31 New balance as of 0911811 9: $6,432.31 Payment due date. 09118119 59¢? 'nG AS! '73"G 0' "‘ S S!EEQTEF‘Y YN-«’“DO’TBHY 'hYOma'lM affidf POI ’O 3&0": 2.21 J. ‘ D’C‘.’ 3" P 'IfiJSE-S. unnyvnemmmgmwdonotmmmunpaymwmmmm youmayhavetopayambeduptoswwyourAPRsmybo museduptowpemflyAPRoffimMm ”menfywmakoaiymmmmun paymeada pmod‘ youwfllpayrruemmtemst mdrtwiltakeyoulamrtopayofl yourhaianoe Forexanve Ifyoumakenoaoditmal Youwvflon oflmmmwumletuupmmmthism amtn pumamm andeachrnonthyou i o! Onwmemwmm Imam: “‘02 www.cmcafdhcm Cultomor Sorvlcc 1-055-370-6467 HY heannq 'rxogmgc sewnjd, :jmly 1856-31006} 7 Fl) E!!! I‘JUUAFJ M. LOUIS, M13 hJH9~UUde Account Summary rotmmm cummmm cu Idrl-IJI-u‘lw Ply your bul horn virtually anywhere with mo ChiMW App and Cit? amine Tu doxmlold. Tm 'Apu I5‘ tnMai(m; U 90 to ywlm".W WU. Or visit m.tficardlcom WNanQ THANH V BUI G‘WMQNTEREY HWY SPC 296 SAN J05! CA WIW-W‘fi Pvevious balance 5,34183 Paylnnnls $0.00 {litrdils $0.00 Pmtzhusos I$0.00 fish advances $0.00 Furs ISODO lnlmusl $90.48 Now balm“ $6,432.31 Credit Limit Ctedit Limit $5.500 mcluaes 51,700 00 rasn advance Iimn Minimum payment due 55.43231 New balance 58.43231 Payment due date 09l18I19 Amount enclosed: Account number endung m 4057 Citi Ca rds PO 30X 78019 Photon. AZ Sm-WIE 1510‘! UBHBEBI DLHBEBI 0051500 [1-057 1305 www.citlcordt.cotn Cutunor Sonic. 1-055-310-6461 TTY‘heanng-impaned servises only I-thb-ZHJ-tmn THANH V BUI CARDHOLDER SUMMARY THANH V BU! Cara ending in 4057 Now Charges $0.00 ..................................................................................................................................................... ACCOUNT SUMMARY Sale lzst Date 32:0 :c-sclptior Atrom! THANH V BUI No Activity Fees Charged Interest Charqod D'iilB NTEREST CHARGES TD STANDARD PUR-ZH $90.48 TOTAL INTEREST FOR THIS PERIOD $90.43 2019 totals year-to-dato row tees charged in 2019 $212.00 mm unteros! Charged m 20v9 $709.88 Whitest ciarqe calcu'laiion H N 7 3.3,; a ra- m;mug Annual patent e Baum smnn acme. typo me (A ) :9 moron m: mun" chug. ..................................................................................................................................................... PLR‘C IASIS Stanca-a Wm " 33545-103 $90.43 narcara Acv :7 24% w;. $0.:nam so 00 Year Armin Derr-antaqq Rat; iADfi‘; :< fine annua! mmres: rate o." yaur a(coum APQS fastcwed Dy I. v‘ may uvy asiantes 1cx'loweo try :_~.> re onwmmec 5-,- zne caar,’ munce meshed ijI-‘xfl m; :uvm‘" E.’ '1“.$.3-:?:-':n5._ Account messaqes M9359 mm ma! H we: vecewed your pay by phone? 0t onlme paymenl beiween S [1m FT and midnight ET on the last day or ynur billing poriod, ynur payment mll nu! kw H-‘Iw lad until your next sldlmnl. 3:20‘8 Cthbank, &A :iti, Citi with Arr Design am moistened sgrvim marks of Citigroup Inc. Visam) us a vmlslewd lmdnmalk 01 Vna Intertwinndl Se: vuce A‘ssoudhon. 33-1: 2 of 2