Complaint Limited Up to 10K

Cal. Super. - 6th Dist.March 19, 2021

E-FILED 3/19/2021 1:43 PM Clerk of Court Superior Court of CA, County of Santa Clara 21CV379265 Reviewed By: K. Himes 21CV379265 QONLllgbéN m 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 JACK H. POGOSIAN, State Bar No.2 305741 MANASI TAHILIANI, State Bar No.2 272821 CHRISTINA ARNOLD, State Bar No.2 297590 HYO JIN JULIA JUNG, State Bar No.: 3 16090 MELINE GRIGORYAN, State Bar No.: 321 133 MICHAEL D. KAHN, State Bar No.: 236898 NICHOL ALAN DE GUZMAN, State Bar No.: 314989 CAMRYN P. BERK, State Bar No.: 317565 350 CAMINO DE LA REINA, SUITE 100 SAN DIEGO, CA 92108 Telephone: (866) 300-8750 Facsimile: (858) 309-1588 Attorneys for Plaintiff SUPERIOR COURT OF CALIFORNIA COUNTY OF SANTA CLARA DOWNTOWN SUPERIOR COURT MIDLAND FUNDING LLC Case No. Plaintiff, COMPLAINT FOR: vs. (1) Account Stated JOSE RODRIGUEZ; PRAYER AMT: $5,541 .39 and DOES 1 through 10, inclusive LIMITED Defendant. MIDLAND FUNDING LLC, ("Plaintiff"), by counsel, sues JOSE RODRIGUEZ, (“Defendant”) under Account Stated and in support thereof states: 1. Plaintiff is authorized to do business in CALIFORNIA, with its principal place of business at 350 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff owns portfolios 0f consumer receivables, which it attempts t0 collect. Plaintiff strives to treat its consumers, such as Defendant, with respect, compassion and integrity, hoping to provide mutually-beneficial opportunities for consumers t0 repay their debts and attain financial recovery. 2. Defendant is a resident of SANTA CLARA County, State 0f California and is subject to this Court’s jurisdiction. 3. Plaintiff is unaware 0f the true names and capacities of Defendants sued by the fictitious names DOES 1 through 10. Plaintiff will ask leave of court t0 amend this complaint as and when the true names and capacities of Defendants named herein as DOES l through 10 have been ascertained. Pursuant to California Civil Code (“CA CIVIL”) §1788.58(a)(1)-(9), Plaintiff alleges: 4. Plaintiff is a debt buyer as defined by CA CIVIL §l788.50(a). -1 _ COMPLAINT CA_0132G File No.: 19-344352 \DOOQONUI-RUJN 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 10. 11. 12 13. Defendant established a credit account (the “Account”) with SYNCHRONY BANK. The amount due is the result 0f transactions that occurred 0n the Account. Defendant was provided statements evidencing Defendant’s use 0f the Account and the balance due. Defendant failed to make the required payments and subsequently defaulted on the Account on March 13, 2018. Thereafter, Plaintiff was assigned all rights, title, and interest in the Account. Plaintiff is the sole owner 0f the debt. Attached as Exhibit A is a true and correct copy of the Bill 0f Sale from SYNCHRONY BANK, t0 Plaintiff. The Account was purchased by Plaintiff 0n October 26, 2018. The Account balance at the time 0f charge-off was $5,579.39. Plaintiff alleges that the date 0f default is March 13, 2018 and the date 0f the last payment was February 05, 2018. The name of the charge-Off creditor at the time of charge-off is SYNCHRONY BANK. The address utilized by SYNCHRONY BANK at the time of charge-off was P.O. BOX 965033 ORLANDO,FL 32896. At the time 0f charge off, the account number associated with the debt was XXXXXXXX-XX-6065. The name of the debtor as it appeared in the records of SYNCHRONY BANK is JOSE RODRIGUEZ and the last known address as it appeared in the records 0f SYNCHRONY BANK is 7204 TAVIRA CT ELK GROVE CA 95757. The name and address of all post charge-off purchasers 0f the debt are as follows: Name Address MIDLAND FUNDING LLC 350 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92 108 Plaintiff has complied with the provisions 0f CA CIVIL §1788.52. Plaintiff informed Defendant 0f the assignment of the Account. Pursuant t0 CA CIVIL §1788.58(b), attached as Exhibit B is a true and correct copy 0f a monthly statement recording a purchase transaction, payment, or balance transfer while the Account was active as required by CA CIVIL §1788.52(b). Attached as Exhibit C is a true and correct copy 0f a billing statement that was mailed to Defendant stating the balance due 0n the Account at 0r around the time 0f charge-off. 2 CA_0132G File N0.: 19-344352 COMPLAINT .5035) \DOONOKJI 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 14. 15. 16. l7. 18. 19. 20. 21. 22. Plaintiff acquired all right, title, and interest to the Account. To the extent that Plaintiff acts in its capacity as successor-in-interest t0 the original creditor 0r its assigns, references herein t0 Plaintiff may include Plaintiff’s predecessor-in-interest. Plaintiff has attempted t0 contact Defendant through several means in an effort t0 resolve the Account, but has been unsuccessful. Defendant has not repaid this debt. Plaintiff works with consumers like Defendant t0 find mutually acceptable solutions, often offering discounts, hardship plans, and a variety 0f payment options. The majority of Plaintiff‘s consumers ignore calls 0r letters, and some simply refuse to repay their obligations. When this happens, Plaintiff must decide whether to pursue collection through legal channels, including litigation such as the present action against Defendant. Nonetheless, Plaintiff remains interested in discovering a mutually beneficial solution through voluntary payments, if possible, in this case. Before commencement 0f this action, Plaintiff informed Defendant in writing, that it intended to file this action and that this action could result in a judgment against Defendant that would include court costs allowed by California Code of Civil Procedure § 1033(b)(2). FIRST CAUSE OF ACTION ACCOUNT STATED Plaintiff realleges and incorporates by reference the foregoing paragraphs. An account was stated in writing between Defendant and SYNCHRONY BANK. Defendant opened and derived benefit from the Account. By using the Account, Defendant expressly 0r impliedly promised to repay SYNCHRONY BANK. Within the last four years, Defendant became indebted 0n the Account. On the Account, a balance 0f $5,579.39 was stated to be due t0 SYNCHRONY BANK from Defendant. Plaintiff has no record of Defendant objecting to the balance due. Before the commencement 0f this action, Plaintiff was assigned the Account and indebtedness. Plaintiff is now the sole owner of the Account. Plaintiff has made a demand on Defendant for repayment 0f the Account, but Defendant has failed to pay the balance due. The current balance presently due and owing is $5,541.39 which includes payments, set- offs, credits or allowances, if any, at or after charge-off. 3 CA_013ZG File No.2 19-344352 COMPLAINT N ?bw \O 00 \l C\ LII 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 WHEREIFORE, Plaintiff requests judgment against'Defendant for $5,541.39, costs of this action and post judgment interest at the statutory rate. Plaintiff waives any claim for pre- judgment interest and attorney's fees. Dated: MIDLAND FUNDING LLC By: cg D JACK’H‘. POGOSIAN D MANASI TAHILIANI i r me D HYO JIN JULIAJUNGMAR a E 2 D MELINE GRIGORYAN WHRISTINA ARNOLD D ICHAEL D, KAHN D NICHOL ALAN DE GUZMAN D CAMRYN P. BERK .u w 4, COMPLAINT CA_0132G File N0.: 19-344352 EXHIBIT A AA_0125 File No.1 19-344352 synchrony BANK 4125 Windwaxd Plaza Alpharetta. Ga. 30005-8378 BILL ofSALE Miglang (ENFS! - PLCC Fresh - October 2018 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Accounts Purchase Agreement (the “Agreement”), dated as of the 30‘“ day of August, 2018 by and between Synchrony Bank formerly known as GE Capital Retail Bank; RFS Holding, L.L.C.; and Retail Finance Credit Services, LLC (coilcctively “Seller”) and Midland Funding LLC (“Buyer” , Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, the Accounts as set forth in the Notification Files, delivered by Seller to Buyer on October 20, 2018, and as further described in the Agreement. Capitalized terms not defined herein shall have the definition ascribed in the Agreement. With respect to information for the Accounts summarized in the Notification Files, the Seller represents and warrants to Buyer that (i) the Account information constitutes the Seller’s own business records and accurately reflects in all material respects the information in the Seller’s database; (ii) the Account information was kept in the regular course of business; (iii) the Account information was made at or near the time by, or from information transmitted by, a person with knowledge of the data entered into and maintained in the Account's database; and (iv) it is the regular practice of the Seller's business to maintain and compile such data. Synchrony wk RetailFinancc reditfiSen/ices, LLC By:m 60k!“ By: fiA/K UVFD’LL Ken Wojciku ' ' Ken Wojcik \J Title: SVP, Collections & Recovery Title: Attorney In Fact RFS Holding, LLC Midlaanding LLC Ken Wojcik U : _ i _, Title: Attorney In Fact Purchase Price Reconciliation/Funding Instructions October 22, 2018 T0: Midland This FORWARD FLOW ACCOUNTS PURCHASE AGREEMENT, is made this 30th day of August, 201 8 (the “Effective Date”), by and between Synchrony Bank formerly known as GE Capital Retail Bank; RFS Holding, L.L.C.; and Retail Finance Credit Services, LLC (collectively, “Seller”) and Midland Funding LLC (“Buyer”) with reference to the following facts and circumstances: Portfolio RMS NG Agcy_Atty Code ENF U) Total Number of Accounts Outstanding Balances on Transfer Date Cut-Off Date October 20, 2018 Transfer Date October 20, 201 8 Purchase Price Factor Purchase Price 0% Holdout Amount 0f Wire transfer Date 0f Funding: October 26, 201 8 Bank: ABA No. Account N0: Account Holder: Location: AFFIDAVIT OF SALE OF ACC‘O[,,.‘3\7T BY ORIGINAL CREDITOR State 0f Florida County of Seminole Paola N. Medina being duly sworn. deposes and says: I am over 18 and not a party 0fthis action. I am a Media Representative 0f Synchrony Bank formerly known as GE Capital Retail Bank. In that position, I have access to creditor’s books and records, and am aware 0f the process 0f the sale and assignment Ofelectronically stored business records. On 0r about 10/20/2018 Synchrony Bank formerly known as GE Capital Retail Bank sold a pool 0f charge-off accounts (the Accounts) by a Purchase and Sale Agreement and a Bill 0f Sale to Midland Funding LLC. As part of the sale 0f the Accounts, electronic records and other records were transferred on individual Accounts to the debt buyer. These records were kept in the ordinary course ofbusiness of Synchrony Bank formerly known as GE Capital Retail Bank. The Creditor has a process t0 detect and correct errors on these accounts. The above statements are true t0 the best 0fmy knowledge. Signed this 16th day ofNovcmber, 2018 Signed and sworn to before me this 16th day 0f November, 201 8 (Notary Stamp) ( _ ’ "7"“ SHIARA‘AGOSTO :State of FIorida-Noxary Public”: . : '5 Commission fl GG 134404 ,I ' ’ ‘ » " ‘ My Commission Expires ii \i ) r Em August 1d, 2021. E _, 7 W _ I -~ IKV (’1 ‘2; NY AOS 1.3 2/1/2017 - St. Paul CERTMCATE 0F CONFORMITY UNQER NYS CLS CPLR §23091c), AND NYS CLS RPL § 299-2; The undersigned docs hereby ccnify that hcx‘Shc is an attomey-at-law duly admitted t0 practice in the State of Florida and residing in the State of Florida: that he/she is a person duly qualified t0 make this certificate 0f confonnity pursuant IO Section 299-21 0f the Real Property Law 0f the State 0f New York; that he/She is fully acquainted with the laws of the State 0f Florida pertaining t0 the acknowledgment 0r proef0f affidavits; that the acknowledgement or proof upon the foregoing Affidavit of Paola N. Medina was taken by Shiara Agosto, a notary public in the State of Florida, in the manner prescribed by the laws 0f the State 0f Florida, being the state in which the Affidavit was taken; and, based on his/her review thereof, that the notarized Affidavit confon'ns t0 the laws of the State 0f Florida in all respects. Witness my signature this 16th day 0f November, 201 8 AMA” f I 1F Alexandria Gordon Attorney-at-law, State 0f Florida. AFFIDAVIT OF SALE OF ACCOUNT BY ORIGINAL CREDITOR State 0f Florida County OfSeminole Paola N. Medina being duly swom, deposes and says: I am over 18 and not a party 0fthis action. I am a Media Representative of Synchrony Bank formerly known as GE Capital Retail Bank. In that position, I have access t0 creditor’s books and records, and am aware of the process of the sale and assignment 0f electronically stored business records. On 0r about 10/20/2018 Synchrony Bank formerly known as GE Capital Retail Bank sold a pool 0f charge-off accounts (the Accounts) by a Purchase and Sale Agreement and a Bill 0f Sale t0 Midland Funding LLC. As part of the sale 0f the Accounts, electronic records and other records were transferred 0n individual Accounts t0 the debt buyer. These records were kept in the ordinary course ofbusiness of Synchrony Bank formerly known as GE Capital Retail Bank. The Creditor has a process t0 detect and correct errors 0n these accounts. The above statements are true to the best 0fmy knowledge, Signed this 16th day ofNovember, 201 8 7 Paola N. Medina Signed and sworn to before me this 16th day 0fNovember, 201 8 (Notary Stamp) f”: jg : V smARA AGOSTO HEState of FEorida-Notary Public Commission fl GG 134404 My Commissidn Expires August 14, 20211 Wlf S ‘\I ‘ ’1' 4 «.5 ‘b E kg NY AOS 1.3 2/1/2017 - St. Paul CERTIFICATE OF CONFORMITY UNDER NY-S CLS CPLR §2309I£J AND NYS CLVS RPL § 299-3 The undersigned does hcrcby certify that hc/shc is an attomey-at-law duly admitted t0 practice in the State 0f Florida and residing in the State of Florida: that he/she is a person duly qualified t0 make this certificate ofconfonnity pursuant [0 Section 299-21 0f the Real Property Law 0f the State 0f New York; that he/she is fully acquainted with the laws of the State 0f Florida pertaining to the acknowledgment or proofof affidavits; that the, acknowledgement or proof upon the foregoing Affidavit of Paola N. Medina was taken by Shia’ra Agosto, a notary public in the State of Florida, in the manner prescribed by the laws 0f the State 0f Florida, being the state in which the Affidavit was taken; and, based 011 his/her review thereof, that the notafized Affidavit conforms t0 the laws 0f the State 0f Florida in all respects. Witness my signature this 16th day 0fNovember, 201 S Alexandria Gordon Attorney-at-law, State of Florida. Field Field Data Accou‘nt_NUmber First_Name Last=Name SSN Birth_Date Account_Address_1 City State Zip_C0de Home;P,hone_Number Contract_Date Last_Payment_Date ChargeOff_Date Current_Ba|ance Last_Pay_Amount ChargeOff_Amount Lendin_g_0ffice_Code Last_Purchase_Date alt_num_1 Account information provided by SYNCHRONY BANK pursuant to the Bill ofSale / Assignment of Accounts transferred on or about 10/26/2018 in connection with the sale of accounts from SYNCHRONY BANK to Midland Funding, LLC. -6065 JOSE RODRIGUEZ *****1144 7204 TAVIRA CT ELK GROVE CA 95757-3472 9166869915 12/26/2011 2/5/2018 9/10/2018 5579.39 138 5579.39 WALMART 3/1/2018 ‘89“) EXHIBIT B AA_0126 File No.2 197344352 ®walmart JOSE RODRIGUEZ Visit us a1 walmarmom/credit Credlt C ard Account Number;- 6065 Customer Service: 1-877-294-7880 23s: Iii’agifiiéfiéééénim‘ibétlvitv ééavifié :fjér‘m‘afibh. " 13. < Previous Balance $4,534.15 New Balance $4,823.90 - Other Credits $1 .66 Amount Past Due $131 .00 + Purchases/Debits $164.59 Total Minimum Payment Due $307.00 + Fees Charged $27.00 Payment Due Date 04/05/2018 + Interest Charges $99.82 New Balance $432330 Late Payment Warningm we do not receive your Total Minimum Payment Due by the Payment Due Date listed Cred“ Limit $5,000 ab.0\{e, you may have to pay‘a late fee up to $38.00. _ _ A .l b! c _ Mlmmum Payment Warning: If you make onlythe mnnlmum CZTAdevagigyouick Cash Limit wag: . payment each period, you will pay more in interest and it will ‘ take ou Ion er to a off our balance. For exam le‘ Available Cash $175 . y g p y y p Statement Closing Dale 03/1 3/201 8 Days in Billing Cycle 32 Only the minimum 16 years $12,357.00 payment If you would like information about credit counseling services. call 1-877-3023775. ‘ SavefiewardsSummarv Earned this Statement 3% Earned on Walmart.com $0.00 You've earned $1 .66 in Rewards 2% Earned on Fuel“ $0.00 statement credits this year 1% Earned on Other Purchases $1 .56 with your Walmart Credit Card. Total Earned this Statement $1 .66 Redeemed this Statement $1 .66 ‘Walmart and Murphy USA stations only P YMENT D ' Y M ET TH NOTICE: We may convert your payment into an electronic debit See Statement Disclosures link below for details, Billing Rights and other important information. H 4 H m o m e u U m ym l-I p u n L c h m ‘ 4 c c C In H J 0 H r J u. A <3 4.5404 HE“ F $.gm, wgémari 5:;' ' a Save money. live battery ” . d?" 04/05/201 s 34,8$307.00 isirsYloo' n Smszzmlzzzzzvszsa $ HIIIIIIWllllllllllNlllmlllNllHIflfifllfllllllWI!l1|1||flfl|||l||lllmll!ll DEDDD - DD JOSE RODRIGUEZ 7204 TAVIHA CT ELK GROVE CA 957573472 Make Payment To: WALMART/SYNCHRONY BANK P.o. Box 530927 ATLANTA, GA 30353-0927 ??Tfahfiélifififfiflfiilfiflv . _‘ Tran Date Post Date Reference Number Description of Transaction or Credit Plan Type Amount 02/13 02/13 P91 12000Y014MXBC-5. WALMART 005848 ELK GROVE CA REG $52.53 PHARMACY OTC 02/14 02/14 P91 1200020151HHKG WALMART 005848 ELK GROVE CA REG $10.67 SAM'S/WAL-MAHT PURCHASE(S) REG 02/14 02/14 P91 1 200DZO1 51 HHKP WALMART 005848 ELK GROVE CA REG $48.93 SAM'S/WAL-MART PURCHASE(S) REG 02/27 02/27 P91 1200EQO199N701 WALMART 005848 ELK GROVE CA REG $52.46 SAM'S/WAL-MART PURCHASE(S) REG 03/1 3 03/1 3 REWARDS/‘SPECIAL OFFER CREDIT ($1 .66) FEES 03/05 03/05 LATE FEE $27.00 TOTAL FEES FOR THIS PERIOD $27.00 INTEREST CHARGED 03/1 3 03/1 3 INTEREST CHARGE ON PURCHASES $99.82 03/1 3 03/13 INTEREST CHARGE ON CASH $0.00 ADVANCES TOTAL INTEREST FOR THIS PERIOD $99.82 ‘n'; 201B Tdials Year-To-Date . Total Fees charged‘In 2018 $27.00 Total Interest charged'In 2018 3275-34 Total Interest Paid in 2018 $13639 Interest Charge Calcu a_tion p ‘ - v v . . Your Annual Percentage Ham (APR)s the annual interest rate on your account Type of Balance Expiration Plan Annual Percentage Balance Subiect to Interest Balance Date Type Rate Interest Rate Charge Method Regular Purchases & Cash NA REG 24.15% (v) $4,713.94 $99.82 2D Advances (v) = Variable rate {N‘ winPromotional Financing Plans V .. . Eligible card purchases may be billed under one of the following promotions. No Interest for G or 12 months. For each promotion, after the promotion ends a 24. 15% APR wiu apply. If a (v)'ts shown after your APR'In the Interest Charge Calculation section of this billing statement, the APR is a variable rate and will vary with the market based on the Prime Rate. Minimum monthly payments are required. See promotional advertising for further details. Ellgible card purchases may be billed under one of the following promotions: No Interest ir Paid in Full within 6. 12, 18 or 24 months. Under each o! these promotions, if the promotional balance is not paid in full within the promotional period. interest will be imposed from the date of purchase a1 a rate of 24.1 5%. If a (v) is shown after your APR in the Interest Charge Calculation section of this billing statement. the APR is a variable rate and wiN vary with the marke! based on the Prime Rate. Minimum monthly payments are required. See promotional advertising for further details. nrdholder Néws a‘nd;Informatlo ’ ' ’ " » YOUR ACCOUNT ls PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OH CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT. Please Note: The Privacy Policy for this account is available through the Privacy Po1icy link below. Please take a moment to read it, then keep it with other financial documents. If you have previously opted-out. you do not need to do so again. If your account has a deferred interest promotion and you would like us to apply a payment on your account lo a specific balance, please call Customer Service to discuss options that may be available Synchrony Bank may continue to obtain information. including employment and income information from others about you (including requesting reports from consumer reporting agencies and other sources) to review, maintain or collect your account. For more information about the Walman credit card rewards program, log on to www.walmartcom/credifiaqs. Please note that Cashier Checks and Loan Transfer Checks are not acceptable forms of lender when making your payment in Sam's Club® or Walmart®. E74042 WFH l '1 lU 1803M DPAGE 2 of 5 91.1.2 H00 021'? ULEADAOA \D v ,_ n'WFH l I! LU 185313 DPAGE 3 bf 3 1.4013 0211‘ OLEAbQUG EXHIBIT C AA_01'27 File No.: 19-34435'2 Walmart® Credit Card JOSE RODRIGUEZ Account Number: Visit us ai walmart.com/credit 'm > ‘Aucy'cbrfim-‘A'acdti‘sfify. _. Previous Balance $53891 7 + Fees Charged $38.00 + Interest Charges $1 1 4.22 New Balance $5,541.39 Credit Limit $4,830 Available Credit $000 Cash Advance/Quick Cash Limit $966 Available Cash $0.00 Statement Closing Dale 08/1 3/2018 Days in Billing Cycle 31 _6065 Customer Service: 1-800-641 4526 ‘ rééfihéngalnipimaflafi ~- New Balance $5,541 .39 Amount Past Due $1 .080.00 Total Minimum Paymenl Due $1 288.00 Overlimit Amount $71 1 .39 Payment Due Date 09/05/2018 Late Payment Warningzlf we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to $38.00. Minimum Payment Warning: If you make only the minimum payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: Only the minimum 312.734.00 payment 15 years If you would like information about credit counseling services, carl 1-877302-8775. 3 fa on Walmartcbm h h 2% on Walmart & Murphy USA Fuel $000 1% on Other Purchases $0.00 Total Redeemed this Statement $0.00 Earn rewards on everyday purchases with your Walman Credit Card! PAYMENT DUE BY 5 PM (ET) ON THE DUE DATL NOTICE: We may convert your payment into an electronic debit. See reverse for details, Billing Rights and other impodant information. l 7 10 180813 Ey=E€_ 1400 021? 01EN5404 Detach and mail this ponion with your check. Do not include any correspondence with your check. Account Number: %@Emari fr Save money. Live better. $1,283.00 m$i £60.06 711.3909/05/2013 $5,541 .39 wIllnmm"mumumwlulmluummmumuumwuluil'rfifllffinf“ JOSE RODRIGUEZ 7204 TAViRA CT ELK GROVE CA 95757-3472 5“ $DDDD D. DD New address or email? Print changes on back. Make Payment To: WALMART/SYNCHRONY BANK P.O. BOX 530927 ATLANTA, GA 30353-0927 tiranfiagtiqnsjummarvx‘ 3'21- ‘ Tran Date Post Date Reference Number Description of Transaction or Credit FEES 08/05 08/05 LATE FEE TOTAL FEES FOR THIS PERIOD INTEREST CHARGED 08/13 08/13 INTEREST CHARGE ON PURCHASES OBJ13 08f13 INTEREST CHARGE ON CASH ADVANCES TOTAL INTEREST FOR THIS PERIOD . ‘ . ' 20.18 Totals Year-To-Date 7 . , Total Fees charged'In 2018 $217.00 Total Interest charged In 2018 $803.83 Total Interest Paid in 2018 $1 86.39 Amount $38.00 $38.00 $1 1422 $0.00 $1 1 4.22 v arge'Calculahon . r > . Your Annual Percentage Rate (APR)s the annual interest rate on your account. Type of Balance Expiration Plan Annual Percentage Balance Subject to Date Type Rafe Interest Hale Regular Purchases 8. Cash NA REG 24.55%(v) $5.455‘1 8 Advances (v)_- Variable rate Balance Method 2D i c dholder Néw jand Information YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OH CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT. ff your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call Customer Service to discuss options that may be available. Please note that Cashier Checks and Loan Transfer Checks are not acceptable forms of tender when making your payment in Sam‘s Club® or Walmart®. b-‘lU-‘l WFH ; 3’ lU 180813 EXFAGE 2 0f 3 9112 i400 U “ WF h ’I lU L89813 9 1 12 lJUO 0 2 l1 OLEN5404