Complaint Limited Filed by Assignee 5KCal. Super. - 6th Dist.April 26, 2021\OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO E-FILED 4/26/2021 4: 1 3 PM Christopher D. Mandarich SB 220693 C'erk 9f court Ajay good 33325294 Superlor Court of CA, Hayk Stambultsyan SB320973 County Of Santa Clara Amber Swearingen-Ojuri SB324653 21 cv381 061 MANDARICH LAW GROUP, LLP - . - 13.0. Box 109032 Chicago, 1L 60610 ReV'ewed By' M' Dom” Phone: 877.285.4918 6318221 Facsimile: 818.888.1260 Attorneysfor Plaintifl: CA VALRY SPVI, LLC, ASASSIGNEE 0FDEPARTMENTSTORES NATIONAL BANK SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SANTA CLARA - LIMITED CAVALRY SPV I, LLC, AS ASSIGNEE OF Case N0. 21 CV381 061 DEPARTMENT STORES NATIONAL BANK, Plaintiff, COMPLAINT FOR: VS. 1. ACCOUNT STATED 2. OPEN BOOK ACCOUNT MARIA GAMBOA, an individual; and DOES 1 through 10 inclusive. . Defendant. DEMAND. $2,097.91 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, CAVALRY SPV I, LLC, AS ASSIGNEE OF DEPARTMENT STORES NATIONAL BANK, and successor in interest t0 original creditor, Department Stores National Bank. 2.P1aintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: CAVALRY SPV I, LLC, AS ASSIGNEE OF DEPARTMENT STORES NATIONAL BANK 500 Summit Lake Drive Valhalla NY 10595. 3.P1aintiff is a debt buyer, and is the sole owner of the debt at issue. 4.The charge-off creditor at the time of charge-off is DEPARTMENT STORES NATIONAL BANK, 5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD 57108, and the account number associated With this debt is XXXXXXXX4060. 5.Plaintiff is informed and believes that Defendant are individuals Who currently reside COMPLAINT-l of 5 guez \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is MARIA GAMBOA, 4591 BOLERO DR , SAN JOSE, CA 951 1 1-2506. 7.P1aintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. 9.Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, Department Stores National Bank or made such application over the telephone or Internet. Pursuant to the aforementioned application, Department Stores National Bank provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXX4060 (hereinafter “Account”). 10.Pri0r t0 the commencement 0f this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 11.Defendant agreed t0 repay Department Stores National Bank and any successors in interest, for any charges 0n the Account including, but not limited t0, charges for purchase ofgoods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay Department Stores National Bank and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 13.Month1y statements were sent to Defendant Which itemized all payments made and charges due on the Account. 14.The date of last payment 0n the subject account was 0n July 7, 2017. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $2,097.91, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $2,097.91. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Up0n information and belief, Department Stores National Bank and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.P1aintiff has complied with California Civil Code Section 1788.52. 21.P1aintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement and/or Account Records provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant as described in California Civil Code section 1788.52(b). 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account With Department Stores National Bank, the Defendant(s) agree t0 reimburse Department Stores National Bank, and hence Plaintiff as successor in interest for the costs related t0 the collection of amounts owing 0n the Account. Plaintiffhas been required COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO to retain Mandarich Law Group, LLP to pursue collection of the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $2,097.91 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.P1aintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by Department Stores National Bank. Although demand has been made upon Defendant, said amount 0f $2,097.91 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \DOOQQUI-bUJNH NNNNNNNNNr-tr-KHt-KHHHHr-tr-t OOQONUIAUJNHOKDOOQQUI-PUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $2,097.91, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount of this Court. Dated: 04/1 8/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 ym- / [X] Amber Swearingen-Ojuri, Esq. Attorneysfor Plaintifl EXHIBIT A '[flflclflh * mac Sstar rewards Macy's Account statement ' ’ '-a Questions or lost/stolen card. Call Customer SerVIce MARIA GAMBOA Go to macys.com/creditto manage and pay your account online. Account Numbe--406-0 r . . W F . W Summary of Account ActIVIty Payment Information Previous Balance $1,560.09 New Balance $1,571.40 Payments . $6000 Minimum Payment Due $50.37 Other cred'ts . "$000 Payment Due Date August 8, 201 7 Purchases/Other Debits +$36.94 Fees Charged +$0.00 Late Payment Warning: Ifwe do not receive your minimum payment by the date lnterest charqed 4534.37 listed above, you may have to pay alate fee up to $37. 6 New Ba|ance $1,571 .40 Minimum Payment Warning: Ifyou make only the minimum payment each \Past Due Amount period, you will pay more in interest and it will take you longer to pay offyour $000 J balance. For example: Fcredit Limit $1 500 00 W If you make no additional You will pay off the And you wiIl . . ' ’ charges using this card balance shown 0n this end up paying an Available Credit $0.00 . . . . . and each month you pay.“ statement In about... estimated total of... Amount OverCredIt Limit $71.40 O I h . . Statement Closing Date 07/1 2/201 7 n yt e mm'mum payment Wears 53’605 Next Statement Closing Date 08/1 1/201 7 $63 3 years S . 5235772333 @ays in Billing Cycle 31 J (”V’”gs_ ' ) \Ifyou would like information about credit counseling services, call-. J You are over your credit limit by $71.40. t sta r rewa rds PLEASE SEE IMPORTANT INFORMATION ON REVERSE SIDE. Page1 of 4 This Account is Issued by Department Stores National Bank. 7s ML 6 *mOCVS Account Number: --406-0 P.O. BOX 8058 MASON, OH 45040-8058 Your Statement Enclosed MARIA GAMBOA 4591 BOLERO DR SAN JOSE, CA 951 1 1-2506 Please return this slip with payment.Write account number on front of check.You can pay at any Payment Due Date August 8, 201 7 Macy s stgre, onllne at macys.com/credlt, New Balance $1,571 .40 or by mall. Payments received by mail by 5:00 pm local time M'mmum Payment Due $5037 at the address shown below will be credited as of the date received. Use reverse side for address changes. Amount Endosed: s Make Check Payable to: Macy's v Mail to address belowv Macy's PO BOX 9001094 LOUISVILLE, KY 40290-1094 '[flflclflh Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. There is no grace period on excluded promotional balances. If you have a balance subject to a Special Event promotion and that promotion does not expire before the payment due date, that balance (an “excluded promotional balance”) is excluded from the amount you must pay in full to get a grace period on a purchase balance. In addition, if you have a Club Plan balance, that balance (an “excluded promotional balance”) is excluded from the amount you must pay in full to get a grace period on a purchase balance. However, you must still pay any separately required payment on the excluded promotional balance. In billing cycles in which payments are allocated to Special Event balances first, the Special Event balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases, so long as you pay the New Balance (less any excluded promotional balance, plus any separately required payment on an excluded promotional balance) in full by the payment due date each billing cycle. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method (including current transactions) to calculate interest charges. However, if the letterA appears after the Annual Percentage Rate in the Interest Charge Calculation section, then we use an average daily balance method (including current transactions) to calculate interest charges. T0 find out more information aboutthe balance computation method for your account and how the resulting interest charges were determined, contact us at the Customer Service number 0n the front 0fthis statement. Other Account and Payment Information. Payment Amount. You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. When Your Payment Will Be Credited. If we receive your payment in proper form at our processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in properform or is not sent to the correct address. The correct address for regular mail is the address on the front ofthe payment coupon. The correct address for courier or express mail is the Express Mail Address shown in the Express Mail section. Proper Form. For a payment sent by mail or courierto be in properform, you must: 0 Enclose a valid check or money order. No cash, gift cards, or foreign currency please. 0 Include your name and the last four digits of your account number. Document Production Fee. We may charge you a fee of $3.00 per item if you request copies of previously provided records, such as Statements and sales checks. We will not charge you for documents produced in connection with a Billing Error investigation. Payment Other Than By Mail. 0 ln-Store. Any payment in proper form accepted in-store will be credited as of that day. However, credit availability may be subject to verification of funds. 0 Online. Go to the URL on Page1 of your statement to make a payment. For security reasons, you may not be able to pay your entire New Balance the first time you make a payment online. The payment cutofftime for Online Bill Payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request. 0 AutoPay. Go to the URL on Page 1 of your statement to enroll in AutoPay and have your payment amount automatically deducted on your due date each month from the account you choose. 0 Phone. Call the phone number on Page 1 of your statement to make a payment. We may process your payment electronically after we verify your identity. The payment cutoff time for Phone Payments is midnight Eastern time. This means that we will credit your account as of the 0 Express Mail. Send payment by courier or express mail to: Attn: Consumer Payment Dept, 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213. Payment must be received in properform at the proper address by 5 p.m. Eastern time to be credited as of that day. All payments received in properform at the proper address afterthat time will be credited as of the next day. If you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Disputed Amounts. All communications concerning disputed amounts, including any check or other payment instrument in an amount less than the full amount due that you send to us marked “paid in full,” or which you otherwise tender as full satisfaction of a disputed amount, must be sent to us at P.0. Box 8066, Mason, Ohio 45040. Credit Reporting Disputes. We may report information about your account to credit bureaus. If you think we reported inaccurate information to a credit bureau write us at: Credit Bureau Dispute Verification, P.0. Box 8218, Mason, 0H 45040. Bankruptcy Notices. If you send any notice for bankruptcy purposes relating to this account, you must mail it to the following address: Bankruptcy Processing, P.O. Box 8053, Mason, 0H 45040. Report a Lost or Stolen Card Immediately. Call the Customer Service number shown on page1 ofthis statement. For TDD/TTY (Telecommunications Device for the Deaf) assistance, call . What To Do If You Think You Find A Mistake 0n Your Statement. If you thinkthere is an error on yourstatement, write to us at: Department Stores National Bank, P.0. Box 8066, Mason, Ohio 45040. In your letter, give us the following information: 0 Account information: Your name and account number. 0 Dollar amount: The dollar amount of the suspected error. 0 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days afterthe error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: 0 We cannot try to collect the amount in question, or report you as delinquent on that amount. 0 The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. 0 While you d0 not have t0 pay the amount in question, you are responsible for the remainder 0f your balance. 0 We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right notto paythe remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state orwithin 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card forthe purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Department Stores National Bank, P.0. Box 8066, Mason, 0H 45040. While we investigate, the same rules apply to the disputed amount as discussed above. Afterwe finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do calendar day, based on Eastern time, that we receive your payment request. not pay, we may reportyou as delinquent. Togsse MCY/BLM PL JAN16 ML - 9139-7700-0001 -//- s - 31 - N - D - - - -//- - o - o - 17 -//- P - - - o - N -//- o - - - o - o -41o -//- 01/13/17 - 02/01/15 - 29 - July 9, 2017 - June 11, 2017 N- - - -//-o- -MP4B-v-D-D- - - -//-v- -62-o- - -N Page 2 of 4 New information? For new address, telephone or email, go to macys.com/credit orenterthe new information below. To change your name, please indicate the new name below. *Phone: By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan charges may apply. **Enter Email Address If you provide your email address, you authorize 1) the account issuer for this account to contact you about your account and tell you about useful products and services; and 2) Macy’s to email you information about receiving promotions, sales, special events and other offers. Sign up for electronic statements. It's fast, easy and convenient. Make the switch today! Go to macys.com/gopaperless a RECYCLABLE E'flflclflh * ITDCVS star rewards Account number ending in 4060 Macy's account transactions Transaction Date Description Location Amount Jiul 07 PAYMENT - THANK YOU -$60.00 Jul 07 JUNIOR OTHER DENIM - DENIM SHORTS EASTRIDGE $33.72 BAG FEE $0.1 0 SALES TAX $3.1 2 RECEIPT TOTAL $36.94 Fees Transaqtion Date, Desaimbn Amount TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged Iransaction Date Description Amount Jul 12 INTERESTCHARGE ON PURCHASES $34.37 TOTAL INTEREST FOR THIS PERIOD $34.37 Total Fees Charged In 2017 $0.00 Total Interest Charged in 201 7 $247.93 Activity and Promotions Detail Original Purchases, Promotion Promotion Payments Cash Adv, Promotion DEferrEd Promotion Trans Trans Previous 81 Other Fees 81 Interest New Minimum Interest Expiration 7 Amount Date Balance Credits Other Debits Charged Balance Payment Due Charges Date MCY'S ACCOUNTTRAN SACTIONS Z Z 7 REGULAR - - $51 1.51 -$22.03 $36.94 $1 1.59 $538.01 -i - - REGULAR ON OR BEFORE 06/1 0/1 6 - - $1,048.58 -$37.97 - $22.78 $1,033.39 - - - TOTAL $1,560.09 -$60.00 $36.94 $34.37 $1,571 .40 $0.00 $0.00 YourAnnual Percentage Rate (APR) isthe annual interest rate on your account.Interest Charge Calculation Type_of Balance , q ,5 ,V ,, WwAnnualPercentageflate(APR), Balms SubjecttolnterestRate ._ InterestCharge-W, MACY's ACCOUNT TRANSACTIONS REGULAR 26.24% (V) s51 9.94 s1 1.59 REGULAR 0N 0R BEFORE 06/1 0/16 25.50% (V) $1,052.27 $22.78 (V) = Variable Rate C U STOM WINDOW FASHIONS macy's shopofhome service *mocy‘s W". IV”? Wm fififl U n. aux L-usmmzk or go To macysshopaihome.com ’ro schedule your complimentary in-home appointment. *With credit approval for qualifying purchases made on the Macy’s Credit Cord. As of 06/21/1 7, The APR for purchases: variable 25.00%-26.24% or non-varioble 17.60%-23.99%. Minimum interest charge: up to $2.00. See the Credit Card Agreement for your account for details, including The APR applicable to you. Offer valid for consumer accounts in good standing,- is subject to change without notice,- see store for details. OHD03 Page 3 of 4 E'flflclflh tar rewards Account number ending in 4060 $25 BONUS OFF A COMPLETE PAIR" (Combinable with in-store offers 0nd insurance) LENSCRAFTERSE U ‘é’ ATMocy’s FIND A STORE OR SCHEDULE YOUR APPOINTMENT” Macys.com/LensCrofters 1-844-632-4195 *Of‘fer valid wifh coupon only. Coupon valid m‘ LensCrafiers of Macy's stores only. Requires complete pair purchase (frame & lenses). Not valid on multiple pairs. $25 0H may be combined with in-store offers and insurance. Cannof be combined with any other coupons. Valid prescription required. Savings applied to lenses. Some brands excluded including Oakley sun frames and Aufhenfics lenses. No cosh value. Offer expires 7/31 I20] 7. Discounf Code: 755488. H Eye exams available from Independent Doctors of Optometry at or next To LensCrafi'ers OLC03 Give a Macy’s Gift Card! Celebrate the happy couple with the gift that always fits. Find our limited-edition designs at any Macy’s and macys.com/giftcards om *moqxs star rewards MY WALLET MAKES SHOPPING EASY IT LETS YOU: 0 Store and use Macy’s Star Passes to save 0 Manage your payment options 0 Check out in a few easy clicks Start the magic at macys.com/account/profile OMW02-67’l Page 4 of 4 EXHIBIT B '[flflclflh MASON, OH 45040-8058 * mac 'sstar rewards Macy's Account statement a Questions or lost/stolen card? Call Customer Service 1-800-782-7756 MARIA GAMBOA Go to macys.com/creditto manage and pay your account online. Account Number:_-406-0 r . . W r . W Summary of Account ActIVIty Payment Information Previous Balance $2,01 9.11 New Balance $2,097.91 Payments . = '$0~00 Minimum Payment Due $710.88 Other cred'ts . "$000 Payment Due Date March 8, 201 8 Purchases/Other Debits +$0.00 Fees Charged +$38.00 Late Payment Warning: Ifwe do not receive your minimum payment by the date lnterest charqed 4540.80 listed above, you may have to pay alate fee up to $38. 9 New Ba|ance $2,097.91 Minimum Payment Warning: Ifyou make only the minimum payment each period, you will pay more in interest and it will take you longer to pay offyour \PaSt Due Amount $61 1 ‘08 J balance. For example: Fcredit Limit $0 00 W If you make no additional You will pay off the And you wiIl . . ’ charges using this card balance shown 0n this end up paying an Available Credit $0.00 . . . . . and each month you pay.“ statement In about... estimated total of... Amount OverCredIt LImIt $597.91 O I h . . Statement Closing Date 02/09/201 8 n yt e mm'mum payment Wears 53’892 Next Statement Closing Dale 03/12/201 8 $85 3 years S 5382346 @ays in Billing Cycle 28 J (”V’”gs_ ) Ifyou would like information about credit counseling services, call 1-877-337-8188.x J Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on your Statement Closing Date identified on your last statement, that payment will appear on your next statement. Fees Transaction Date Description Amount Feb 08 LATE FEE $38.00 TOTAL FEES FOR THIS PERIOD $38.00 PLEASE SEE IMPORTANT INFORMATION ON REVERSE SIDE. Page1 of 4 This Account is Issued by Department Stores National Bank. s ML 6 *mOCVS Account Number:-406-0 Please return this slip with payment.Write account P.O. BOX 8058 Macy’s store, online at macys.com/credit, or by mail. Payments received by mail by 5:00 pm local time Minimum Payment Due $71 0°88 at the address shown below will be credited as Your Statement Enclosed of the date received. Use reverse side for address changes. Amount Endosed: s Make Check Payable to: Macy's v Mail to address belowv Macy's MARIA GAMBOA PO BOX 9001094 4591 BOLERO DR LOUISVILLE, KY 40290-1094 SAN JOSE, CA 951 1 1-2506 number on front of check.You can pay at any Payment Due Date March 8, 201 8 New Balance $2,097.91 '[flflclflh Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. There is no grace period on excluded promotional balances. If you have a balance subject to a Special Event promotion and that promotion does not expire before the payment due date, that balance (an “excluded promotional balance”) is excluded from the amount you must pay in full to get a grace period on a purchase balance. In addition, if you have a Club Plan balance, that balance (an “excluded promotional balance”) is excluded from the amount you must pay in full to get a grace period on a purchase balance. However, you must still pay any separately required payment on the excluded promotional balance. In billing cycles in which payments are allocated to Special Event balances first, the Special Event balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases, so long as you pay the New Balance (less any excluded promotional balance, plus any separately required payment on an excluded promotional balance) in full by the payment due date each billing cycle. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method (including current transactions) to calculate interest charges. However, if the letterA appears after the Annual Percentage Rate in the Interest Charge Calculation section, then we use an average daily balance method (including current transactions) to calculate interest charges. T0 find out more information aboutthe balance computation method for your account and how the resulting interest charges were determined, contact us at the Customer Service number 0n the front 0fthis statement. Other Account and Payment Information. Payment Amount. You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. When Your Payment Will Be Credited. If we receive your payment in proper form at our processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in properform or is not sent to the correct address. The correct address for regular mail is the address on the front ofthe payment coupon. The correct address for courier or express mail is the Express Mail Address shown in the Express Mail section. Proper Form. For a payment sent by mail or courierto be in properform, you must: 0 Enclose a valid check or money order. No cash, gift cards, or foreign currency please. 0 Include your name and the last four digits of your account number. Document Production Fee. We may charge you a fee of $3.00 per item if you request copies of previously provided records, such as Statements and sales checks. We will not charge you for documents produced in connection with a Billing Error investigation. Payment Other Than By Mail. 0 ln-Store. Any payment in proper form accepted in-store will be credited as of that day. However, credit availability may be subject to verification of funds. 0 Online. Go to the URL on Page1 of your statement to make a payment. For security reasons, you may not be able to pay your entire New Balance the first time you make a payment online. The payment cutofftime for Online Bill Payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request. 0 AutoPay. Go to the URL on Page 1 of your statement to enroll in AutoPay and have your payment amount automatically deducted on your due date each month from the account you choose. 0 Phone. Call the phone number on Page 1 of your statement to make a payment. We may process your payment electronically after we verify your identity. The payment cutoff time for Phone Payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request. 0 Express Mail. Send payment by courier or express mail to: Attn: Consumer Payment Dept, 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213. Payment must be received in properform at the proper address by 5 p.m. Eastern time to be credited as of that day. All payments received in properform at the proper address afterthat time will be credited as of the next day. If you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Disputed Amounts. All communications concerning disputed amounts, including any check or other payment instrument in an amount less than the full amount due that you send to us marked “paid in full,” or which you otherwise tender as full satisfaction of a disputed amount, must be sent to us at P.0. Box 8066, Mason, Ohio 45040. Credit Reporting Disputes. We may report information about your account to credit bureaus. If you think we reported inaccurate information to a credit bureau write us at: Credit Bureau Dispute Verification, P.0. Box 8218, Mason, 0H 45040. Bankruptcy Notices. If you send any notice for bankruptcy purposes relating to this account, you must mail it to the following address: Bankruptcy Processing, P.O. Box 8053, Mason, 0H 45040. Report a Lost or Stolen Card Immediately. Call the Customer Service number shown on page1 ofthis statement. For TDD/TTY (Telecommunications Device for the Deaf) assistance, call 1-800-281-0820. What To Do If You Think You Find A Mistake 0n Your Statement. If you thinkthere is an error on yourstatement, write to us at: Department Stores National Bank, P.0. Box 8066, Mason, Ohio 45040. In your letter, give us the following information: 0 Account information: Your name and account number. 0 Dollar amount: The dollar amount of the suspected error. 0 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days afterthe error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: 0 We cannot try to collect the amount in question, or report you as delinquent on that amount. 0 The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. 0 While you d0 not have t0 pay the amount in question, you are responsible for the remainder 0f your balance. 0 We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right notto paythe remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state orwithin 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card forthe purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Department Stores National Bank, P.0. Box 8066, Mason, 0H 45040. While we investigate, the same rules apply to the disputed amount as discussed above. Afterwe finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Togsse MCY/BLM PL JAN16 ML-9139-7700-OOO1 -//-S-31 -N-D- - - -197605-//-E-9-X-17-//-P- - -O-N-//-7- - -O-O-O-//-O1/13/18-02/O1/15-36-Ju|y14,2017-January12,2018 N- - - -//-o- -MPsB-v-D-D- - - -//-v- -62-o- - -N Page 2 of 4 New information? For new address, telephone or email, go to macys.com/credit orenterthe new information below. To change your name, please indicate the new name below. *Phone: By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan charges may apply. **Enter Email Address If you provide your email address, you authorize 1) the account issuer for this account to contact you about your account and tell you about useful products and services; and 2) Macy’s to email you information about receiving promotions, sales, special events and other offers. Sign up for electronic statements. 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Go to macys.com/gopaperless a RECYCLABLE E'flflclflh tar rewards Account number ending in 4060 Interest Charged Transaction Date Description Amount Feb 09 INTEREST CHARGE ON PURCHASES $40.80 TOTAL INTEREST FOR THIS PERIOD $40.80 Total Fees Charged in 201 8 $76.00 Total Interest Charged in 201 8 $84.26 Activity and Promotions Detail Original Purchases, Promotion Promotion Payments Cash Adv, Promotion DEferrEd Promotion Trans Trans Previous 81 Other Fees 81 Interest New Minimum Interest Expiration i Amount Date Balance Credits Other Debits Charged Balance Payment Due Charges Date MACY'S ACCOUNTTRANSACTIONS REGULAR - - $843.81 - $3§00 $1 7.37 $899.18 - - - REGULAR ON OR BEFORE 06/1 0/1 6 - - $1,175.30 - - $23.43 $1,198.73 - - - TOTAL $2,01 9.11 $0.00 $38.00 $40.80 $2,097.91 $0.00 $0.00 Interest Charge Calculation Type_of Balance - _ - _ MACY'S ACCOUNT TRANSACTIONS REGU LAR 26.49% (V) REGULAR ON OR BEFORE 06/10/16 25.75%(V) (V) = Variable Rate Page 3 of 4 YourAnnual Percentage Rate (APR) isthe annual interest rate on your account. , Annual Percentageflate (APR) _ Balance Subject to Interest Rate, H Interest Charger , _, $854.83 $1 7.37 $1,186.55 $23.43 E'flflclflh star rewards Account number ending in 4060 THIS PAGE INTENTIONALLY LEFT BLANK Page 4 of 4
