Complaint Limited Up to 10KCal. Super. - 6th Dist.April 30, 2021\OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO E-FILED 4/30/2021 11:35 AM 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 167 MANDARICH LAW GROUP, LLP Reviewed By: R_ Guille, P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: Midland Credit Management, Inc SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SANTA CLARA - LIMITED Midland Credit Management, Inc, Case N0. 21 cv381 167 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED PORTIA OVISO, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $2,783.24 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.Plaintiff is and at all times herein mentioned, Midland Credit Management, Inc, and successor in interest to original creditor, SYNCHRONY BANK. 2.P1aintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Midland Credit Management, Inc 350 Camino De La Reina Suite 100 San Diego CA 92108. 3.P1aintiff is a debt buyer, and is the sole owner of the debt at issue. 4.The charge-off creditor at the time 0f charge-off is SYNCHRONY BANK, 170 ELECTION RD SUITE 125 DRAPER, UT 84020, and the account number associated with this debt is XXXXXXXXXXXX0167. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside COMPLAINT-l of 5 m0 \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 PORTIA OVISO, 2644 STURLA DR , SAN JOSE, CA 95 148. 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, SYNCHRONY BANK or made such application over the telephone or Internet. Pursuant to the aforementioned application, SYNCHRONY BANK provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXXXXXX0167 (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 SYNCHRONY 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 SYNCHRONY 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 0f last payment 0n the subject account was 0n November 20, 2019. 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 $2,783.24, 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 $2,783.24. 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.Upon information and belief, SYNCHRONY 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 provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO of the Final Billing Statement and/or Transaction History. FIRST CAUSE OF ACTION (Account Stated) 23.P1aintiff refers t0 and incorporates paragraphs 1 through 22. 24.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 $2,783.24 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) 25.P1aintiff refers t0 and incorporates paragraphs 1 through 24. 26.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 SYNCHRONY BANK. Although demand has been made upon Defendant, said amount 0f $2,783.24 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $2,783.24, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 04/26/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 nh/M ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A ,. Pay. CREDIT Need More Information? Statement Closing Date: 09/25/19 View your account online at paypal.com Rays '"tBr‘;"'"9bPe"°d= 3° 0167 0r can 1-344-373-4961 8 AM ET to 1 1 PM ET cooun um er:- - Customer Name: PORTIA ov'so Mon-Frl and 9 AM ET to 9 PM ET Sat-Sun ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $3,01 0.08 New Balance $2,41 0.82 - Payments & Credits $649.00 Minimum Payment Due $73.00 + Purchases & Adjustments $0.00 payment Due Date 10/20/19 + Fees $090 Amount to avoid Standard and Deferred Interest + INTEREST CHARGES $49_74 on your next statement: $2,410.82 = New Balance $2,410.82 see Reverse _ _ _ Late Payment Warning: If we do not receive your minimum payment cred” L'm't $21751 -°° by 10/20/19, you may have to pay a late fee of up to $39.00. Ava'lable cred” $090 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: If you make no more You will pay off the And you will end up paying charges using this balance shown on this an estimated total of: account and each statement in about: month you pay: on'y the m'"'m”m 1o Years $5,089.00 Payment $91 .00 3 Years $3,270.00 (Savings = $1 ,819.00) If you would like information about credit counseling services, call 1-877-302-8775. @RRIENiEAQTEIiI-Efiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii PMMCEISHCSiflRFDlTSZ-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2- Tran Date Posting Date Reference Number Description Amount 09/06/19 09/06/19 F9283007T000LF249 Refund Of Late Fees -$39.00 09/20/19 09/20/19 P9283008700XTMJG3 Phone Payment-Thank You -$610.00 Alpharetta Ga - Total Payments & Credits -$649.00 ifltifififififififiéfiflCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC;2;2;2;2;2;2;2;2;2;2;2;2 Tran Date Posting Date Description Amount 09/25/19 09/25/19 Interest Charge on Purchases $49. 74 Total Interest $49.74 201 9 Totals Year-To-Date Total Fees Charged in 2019: $1 03.00 Total Interest Charged in 2019: $445. 13 iNFERESIDEINl-fiit3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3t3titititititititititititi ititifie'sti simiaéfifizie'cztipsfléfi:l:i:i:i:3:l:3:l:$23:l:3:l:3:l:i:3:$1?thkfifia‘lfifiérfia‘qéfiyelckrhiiériéléibhzaiihrétééiréte'pnt'yphrlééyéphzi: Balance Type Annual Percentage Balance Subject to Interest Charged Current Balance Rate(APR) Interest Rate Standard Purchases 26.24% (v) $529. 78 $1 1.43 $384.85 Balance Pn'or To Terms Change 19.99% $2,332.28 $38.31 $2,025.97 (v)=Van'able Rate NOTICE: We may convert your payment into an electronic debit. See reverse for details, Billing Rights Information and other important information 6128 ABJ 001 7 23 190925 o E PAGE 1 of 3 1 o 9283 2100 P9vc 010116128 Detach and mail this portion with your check. Do not include any correspondence with your check. Account Number: - 0167 New Balance: $2,410.82 Payment Due Date: 1 0I20I1 9 Make Check Payable to PayPal Credit Minimum Payment Due: $73.00 Return this portion with your payment. _ Wn'te your account number on your check. Amount Endosed' 5 To receive electronic statements or make online payments visit paypal.com. PAYPAL CREDIT/SYNCB PORTIA OVISO PO BOX 960006 2644 STURLA DR ORLANDO, FL 32896-0006 SAN JOSE CA 95148-2935 your account number on any correspondence you send to us. Notice: See below foryour Billing Rights and other important information. Customer Service: For accountinformation, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS. Unless your name is listed on this statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.0. Box 965004, Orlando, FL 32896-5004. Please include Payments: Send payments to the address listed on the remit portion of this statement or pay online at www.paypal.com. Purchases, returns, and payments made just prior to billing date may not appear until next month’s statement. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your check collected electronically by sending your check (with the payment stub), in your own envelope - not the enclosed window envelope, addressed to: P.0. Box 530993, Atlanta, GA 30353-0993 and not the Payment Address. What To Do If You Think You Find A Mistake On Your Statement Ifyou think there is an error on your statement, write to us at: Synchrony Bank PO. Box 965003 Orlando, FL 32896-5003 Or call customer service at 1-844-373-4961. Ifyou write to us, in your letter, give us the following information: - Aocountinformation: Your name and account number. - Dollar amount: The dollar amount of the suspected error. - Description of Problem: Ifyou think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or by calling customer service at 1-844-373-4961. While we investigate whether or not there has been an error, the following are true: °We cannot try to collect the amount in question or report you as delinquent on that amount. - The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, ifwe 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. °Whi|e you do not have to pay the amount in question, you are responsible for the remainder ofyour balance. - We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Ifyou are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or ifwe own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. Ifall ofthe criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Synchrony Bank PO. Box 965003 Orlando, FL 32896-5003 Or call customer service at 1-844-373-4961. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, ifwe think you owe an amount and you do not pay we may report you as delinquent. Information AboutPayments: You may at any time pay, in whole orin part, the total unpaid balance without any additional charge for prepayment. Payments made by mail or made using a third-party bill pay service provider: Payments received after 5:00 p.m. (ET) on any day will be credited as of the next day. Credit to your Account may be delayed up to five days if payment (a) is not received at the Payment Address, (b) is not made in U.S. dollars drawn on a U.S. financial institution located in the U.S., (c) is not accompanied by the remittance coupon attached to your statement, (d) contains more than one payment or remittance coupon, (e) is not received in the remittance envelope provided or (f) includes staples, paper clips, tape, a folded check, or correspondence of any type. Payments made byphone or online: Ifyou make a payment by phone or online before 11:59 p.m. Eastern Time, we will credit it as ofthe date the payment is made. Conditional Payments: All written communications concerning disputed amounts, including any check or other payment instrument that: (i) indicates that the payment constitutes “payment in full” or is tendered as full satisfaction of a disputed amount; or (ii) is tendered with other conditions or limitations (“Disputed Payments”), must be mailed or delivered to us at PO. Box 965003, Orlando, FL 32896-5003. This is an attempt to collect a debt and any information obtained will be used for that purpose. Credits To YourAccount: An amount shown in parenthesis or preceded by a minus (-) sign is a credit or credit balance unless otherwise indicated. Credits will be applied to your previous balance immediately upon receipt, but will not satisfy any required payment that may be due. Credit Reports And Account Information: If you believe that we have reported inaccurate information about you to a consumer reporting agency, please contact us at PO. Box 965005, Orlando, FL 32896-5005. In doing so, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that includes the inaccurate information, please include a copy of that report. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following address: PO. Box 965064, Orlando, FL 32896-5064. Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on non-promotional transactions ifyou pay your entire balance by the due date each month. We will begin charging interest on promotional purchases on the purchase date. How We Calculate the Balance on Which the Interest is Computed: We calculate interest on your account for each billing cycle separately for each balance type. A separate average daily balance is calculated for the following balance types, as applicable: standard purchases, cash advances and promotional purchases. To get the average daily balance, we take the starting balance each day, including billed interest and billed fees, add any new charges and adjustments posted that day and subtract any payments or credits (treating any net credit balance as zero). This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. The result is the average daily balance. The average daily balance is referred to as the Balance Subject to Interest Rate on your statement. Amount to Avoid Standard and Deferred Interest on yournext statement: (see PAYMENT INFORMATION box on front page). This amount includes: Standard Purchases and Cash Advances Purchases without any promotional offer and Cash Advances. Deferred Interest Purchases Expiring This Billing Cycle Purchases made with ‘No Payments + No Interest ifpaid in full’ and ‘No Interest ifpaid in full’ promotions that are about to expire. Easy Payments Purchases Monthly Plan Payments Although unrelated to avoiding Standard and Deferred Interest, we include Monthly Plan Payments to help you avoid late fees. If you have a Financed Easy Payments Purchase balance, you will continue to be assessed interest on the Easy Payments Purchase balance until it is paid in full. YourAccount is owned and serviced by Synchrony Bank. [WF735246A] *By providing a telephone number on your account, you consent to Synchrony Bank and any other owner or servicer ofyour account contacting you about your account, including using any contact information or cell phone numbers you provide, and you consent to the use ofany automatic telephone dialing system and/or an artificial or prerecorded voice when contacting you, even ifyou are charged for the call underyour phone plan. For changes of address, phone number and/or email, please check the box and print the changes below. These changes will be applied to PayPaI Credit but not to your PayPaI Account. Street Address City, StateD ZIP Phone # Ema” *Home Phone # *Business Phone # *Cell # or other phone # **Emai| Address we can use to contact you **By providing your email address, you agree to receive email communications about your account and also give permission for us to share your email address with PayPaI Credit. O1DR6128 - 3 - 02/21/19 Statement Closing Date: 09/25/19 View your account online at paypal.com Days i" 3"""9 Peri°d= 3° 0r can 1-344-373-4961 8 AM ET to 11 PM ET AccountNumber: -0167 . Customer Name: PORTIA ov'so Mon-Frl and 9 AM ET to 9 PM ET Sat-Sun ACCOUNTHOLDER NOTICES Thank you for enrolling in electronic billing. Please remember to check your email or online for notices about your billing statement. 6128 ABJ 001 7 23 190925 0 E PAGE 2 of 3 10 9283 2100 P9VC OlDR6l28 6128 ABJ 001 7 23 190925 0 E PAGE 3 of 3 10 9283 2100 P9VC 01DR6128 EXHIBIT B Pay. CREDIT Need More Information? Statement Closing Date: 05/26/20 View your account online at paypal.com Rays '"tBr‘;"'"9bPe"°d= 32 0167 0r can 1-844-377-4136 8 AM ET to 11 PM ET cooun um er:- - Customer Name: PORTIA ov'so Mon-Frl and 9 AM ET to 9 PM ET Sat-Sun ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $2,733.28 New Balance $2,783.24 - Payments & Credits $0.00 Amount Past Due $567.00 + Purchases & Adjustments $0.00 Minimum Payment Due $643.00 + Fees $0.00 Payment Due Date 06/20/20 + INTEREST CHARGES $49.96 Amount to avoid Standard and Deferred Interest = New Ba|ance $238324 on your next statement: $2,783.24 See Reverse Ore?“ lelt _ $2751 '00 Late Payment Warning: If we do not receive your minimum payment Ava'Iab'e cred“ OVERL'M'T by 06/20/20, you may have to pay a late fee of up to $39.00. 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: If you make no more You will pay off the And you will end up paying charges using this balance shown on this an estimated total of: account and each statement in about: month you pay: Only the mInImum 9 Years $51062“) Payment If you would like information about credit counseling services, call 1-877-302-8775. WRRENI-AC'FMTY-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2- Jitffikéfithititiqhfifi21212323:3212123:321212323:3212123:321212323:3212123:321212323:3212123:321212323:3212123:321212323:32121232321;123:32321212323 Tran Date Posting Date Description Amount 05/26/20 05/26/20 Interest Charge on Purchases $49.96 Total Interest $49.96 2020 Totals Year-To-Date Total Fees Charged in 2020: $1 1 7.00 Total Interest Charged in 2020: $227.35 IMPORTANT ACCOUNT INFORMATION YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT. ?HERESIPHNLSE:3232323:323232323:3232323:323232323:3232323:323232323:3232323:323232323:3232323:323232323:32323232323;323:32323232323 Mans: bMKeEbMeyMTteNEE:-:-:-:-:-:-:-:-:-:-:-:-:-:-:-:2%quAnéuhcpiar'sehiag'eh'aé-cAM)isihé-énhuhinieieétiatebdywinéeéohdte: Balance Type Annual Percentage Balance Subject to Interest Charged Current Balance Rate(APR) Interest Rate Standard Purchases 23.99% (v) $589.01 $12.39 $601.40 Balance Pn'or To Terms Change 19.99% $2,144.27 $37.57 $2,181.84 (v)=Van'able Rate NOTICE: We may convert your payment into an electronic debit. See reverse for details, Billing Rights Information and other important information 6128 ABJ 001 7 23 200526 0 EXPAGE l of 3 10 9283 2100 P9VC 01DR6128 Detach and mail this portion with your check. Do not include any correspondence with your check. Account Number: - 0167 New Balance: $2,783.24 Payment Due Date: 06/20/20 Make Check Payable to PayPal Credit Minimum Payment Due: $643.00 Return this portion with your payment. _ Wn'te your account number on your check. Amount Endosed' 5 To receive electronic statements or make online payments visit paypal.com. PAYPAL CREDIT/SYNCB PORTIA OVISO PO BOX 960006 2644 STURLA DR ORLANDO, FL 32896-0006 SAN JOSE CA 95148-2935 your account number on any correspondence you send to us. Notice: See below foryour Billing Rights and other important information. Customer Service: For accountinformation, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS. Unless your name is listed on this statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.0. Box 965004, Orlando, FL 32896-5004. Please include Payments: Send payments to the address listed on the remit portion of this statement or pay online at www.paypal.com. Purchases, returns, and payments made just prior to billing date may not appear until next month’s statement. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. You may choose not to have your check collected electronically by sending your check (with the payment stub), in your own envelope - not the enclosed window envelope, addressed to: P.0. Box 530993, Atlanta, GA 30353-0993 and not the Payment Address. What To Do If You Think You Find A Mistake On Your Statement Ifyou think there is an error on your statement, write to us at: Synchrony Bank PO. Box 965003 Orlando, FL 32896-5003 Or call customer service at 1-844-373-4961. Ifyou write to us, in your letter, give us the following information: - Aocountinformation: Your name and account number. - Dollar amount: The dollar amount of the suspected error. - Description of Problem: Ifyou think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or by calling customer service at 1-844-373-4961. While we investigate whether or not there has been an error, the following are true: °We cannot try to collect the amount in question or report you as delinquent on that amount. - The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, ifwe 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. °Whi|e you do not have to pay the amount in question, you are responsible for the remainder ofyour balance. - We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Ifyou are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or ifwe own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. Ifall ofthe criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Synchrony Bank PO. Box 965003 Orlando, FL 32896-5003 Or call customer service at 1-844-373-4961. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, ifwe think you owe an amount and you do not pay we may report you as delinquent. Information AboutPayments: You may at any time pay, in whole orin part, the total unpaid balance without any additional charge for prepayment. Payments made by mail or made using a third-party bill pay service provider: Payments received after 5:00 p.m. (ET) on any day will be credited as of the next day. Credit to your Account may be delayed up to five days if payment (a) is not received at the Payment Address, (b) is not made in U.S. dollars drawn on a U.S. financial institution located in the U.S., (c) is not accompanied by the remittance coupon attached to your statement, (d) contains more than one payment or remittance coupon, (e) is not received in the remittance envelope provided or (f) includes staples, paper clips, tape, a folded check, or correspondence of any type. Payments made byphone or online: Ifyou make a payment by phone or online before 11:59 p.m. Eastern Time, we will credit it as ofthe date the payment is made. Conditional Payments: All written communications concerning disputed amounts, including any check or other payment instrument that: (i) indicates that the payment constitutes “payment in full” or is tendered as full satisfaction of a disputed amount; or (ii) is tendered with other conditions or limitations (“Disputed Payments”), must be mailed or delivered to us at PO. Box 965003, Orlando, FL 32896-5003. This is an attempt to collect a debt and any information obtained will be used for that purpose. Credits To YourAccount: An amount shown in parenthesis or preceded by a minus (-) sign is a credit or credit balance unless otherwise indicated. Credits will be applied to your previous balance immediately upon receipt, but will not satisfy any required payment that may be due. Credit Reports And Account Information: If you believe that we have reported inaccurate information about you to a consumer reporting agency, please contact us at PO. Box 965005, Orlando, FL 32896-5005. In doing so, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that includes the inaccurate information, please include a copy of that report. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following address: PO. Box 965064, Orlando, FL 32896-5064. Paying Interest: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on non-promotional transactions ifyou pay your entire balance by the due date each month. We will begin charging interest on promotional purchases on the purchase date. How We Calculate the Balance on Which the Interest is Computed: We calculate interest on your account for each billing cycle separately for each balance type. A separate average daily balance is calculated for the following balance types, as applicable: standard purchases, cash advances and promotional purchases. To get the average daily balance, we take the starting balance each day, including billed interest and billed fees, add any new charges and adjustments posted that day and subtract any payments or credits (treating any net credit balance as zero). This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. The result is the average daily balance. The average daily balance is referred to as the Balance Subject to Interest Rate on your statement. Amount to Avoid Standard and Deferred Interest on yournext statement: (see PAYMENT INFORMATION box on front page). This amount includes: Standard Purchases and Cash Advances Purchases without any promotional offer and Cash Advances. Deferred Interest Purchases Expiring This Billing Cycle Purchases made with ‘No Payments + No Interest ifpaid in full’ and ‘No Interest ifpaid in full’ promotions that are about to expire. Easy Payments Purchases Monthly Plan Payments Although unrelated to avoiding Standard and Deferred Interest, we include Monthly Plan Payments to help you avoid late fees. If you have a Financed Easy Payments Purchase balance, you will continue to be assessed interest on the Easy Payments Purchase balance until it is paid in full. YourAccount is owned and serviced by Synchrony Bank. [WF735246A] *By providing a telephone number on your account, you consent to Synchrony Bank and any other owner or servicer ofyour account contacting you about your account, including using any contact information or cell phone numbers you provide, and you consent to the use ofany automatic telephone dialing system and/or an artificial or prerecorded voice when contacting you, even ifyou are charged for the call underyour phone plan. For changes of address, phone number and/or email, please check the box and print the changes below. These changes will be applied to PayPaI Credit but not to your PayPaI Account. Street Address City, StateD ZIP Phone # Ema” *Home Phone # *Business Phone # *Cell # or other phone # **Emai| Address we can use to contact you **By providing your email address, you agree to receive email communications about your account and also give permission for us to share your email address with PayPaI Credit. O1DR6128 - 3 - 02/21/19 Statement Closing Date: 05/26/20 View your account online at paypal.com Rays intBri'Iinngeriod= 32 0167 0r can 1-844-377-4136 8 AM ET to 11 PM ET cooun um er:- - Customer Name: PORTIA ov'so Mon-Frl and 9 AM ET to 9 PM ET Sat-Sun ACCOUNTHOLDER NOTICES We are here to support you and are working hard to ensure our Synchrony team members can continue to provide you with uninterrupted, dependable service. We encourage you to use our online and mobile servicing tools. As COVlD-19 and its impact continue to evolve and develop, we remain focused on the health and safety of our employees and our communities, as well as our commitment to you, our customers. We are also aware that some of our customers may experience financial hardship as a result of COVlD-19. If you are impacted, please contact us to discuss how we can help. Thank you for enrolling in electronic billing. Please remember to check your email or online for notices about your billing statement. 6128 ABJ 001 7 23 200526 0 EXPAGE 2 of 3 10 9283 2100 P9VC 01DR6128 6128 ABJ 001 7 23 200526 0 EXPAGE 3 of 3 10 9283 2100 P9VC OlDR6l28
