Complaint Limited Filed by Assignee 5K

Cal. Super. - 6th Dist.April 16, 2021

Electronically filed by Superior Court of CA, County of Santa Clara, on 4/16/2021 11:27 AM Reviewed By:Ashley Mackenzie Case #21CV381297 Env #6257434 21CV381297 JACK H. POGOSIAN, State Bar No.: 305741 MANASI TAHILIANI, State Bar No.2 272821 l CHRISTINA ARNOLD, State Bar N0.: 297590 2 HYO JIN JULIA JUNG, State Bar N0.: 3 16090 MELINE GRIGORYAN, State Bar N0.: 321 133 3 MICHAEL D. KAHN, State Bar N0.: 236898 NICHOL ALAN DE GUZMAN, State Bar N0.: 3 14989 4 CAMRYN P. BERK, State Bar N0.: 3 ] 7565 5 350 CAMINO DE LA REINA, SUITE 100 SAN DIEGO, CA 92 108 6 Telephone: (866) 300-8750 Facsimile: (858) 309-1588 7 Attorneys for Plaintiff 8 SUPERIOR COURT OF CALIFORNIA COUNTY 0F SANTA CLARA 9 DOWNTOWN SUPERIOR COURT 10 MIDLAND CREDIT MANAGEMENT, INC. Case N0. 1 1 Plaintiff, COMPLAINT FOR: 12 vs. (1) Account Stated 13 ALFONSO QUINTANA; PRAYER AMT: $3,730.46 14 and DOES 1 through 10, inclusive LIMITED Defendant. 15 MIDLAND CREDIT MANAGEMENT, INC, ("Plaintiff"), by counsel, sues ALFONSO QUINTANA, 16 (“Defendant”) under Account Stated and in support thereof states: 17 l. Plaintiff is authorized t0 d0 business in CALIFORNIA, with its principal place 0f business at 350 18 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff owns portfolios of consumer receivables, which it attempts to collect. Plaintiff strives to treat its consumers, such as 19 Defendant, with respect, compassion and integrity, hoping [0 provide mutuaIIy-beneficial 7-0 opportunities for consumers t0 repay their debts and attain financial recovery. 21 2. Defendant is a resident 0f SANTA CLARA County, State 0f California and is subject to this 22 Court’sjurisdiction. 3. Plaintiff is unaware of the true names and capacities 0f Defendants sued by the fictitious names 23 DOES l through 10. Plaintiff will ask leave 0f court to amend this complaint as and when the 24 true names and capacities 0f Defendants named herein as DOES l through 10 have been 25 ascertained. 26 Pursuant t0 California Civil Code (“CA CIVIL”) §1788.58(a)(1)-(9), Plaintiff alleges: 4. Plaintiff is a debt buyer as defined by CA CIVIL §1788.50(a), 27 28 -1. COMPLAINT CA_OI32G File N0.: 21-47367 ll 12 13 15 16 l7 18 20 21 22 23 24 25 26 27 28 11. 12 Defendant established a credit account (the “Account”) with COMENITY CAPITAL BANK. The amount due is the result 0f transactions that occurred on 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 0n the Account 0n January 10, 2020. 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 0f the Bill of Sale from COMENITY CAPITAL BANK, t0 Plaintiff. The Account was purchased by Plaintiff on July 27, 2020. The Account balance at the time of charge-off was $3,730.46. Plaintiff alleges that the date 0f default was January 10, 2020. The name 0f the charge-off creditor at the time 0f Charge-off is COMENITY CAPITAL BANK. The address utilized by COMENITY CAPITAL BANK at the time 0f Charge-off was 2795 E. COTTONWOOD PARKWAY SUITE 100 SALT LAKE CITY,UT 84121. At the time 0f Charge off, the account number associated with the debt was XXXXXXXXXX-XX-9 l 24. The name of the debtor as it appeared in the records 0f COMENITY CAPITAL BANK is ALFONSO QUINTANA and the last known address as it appeared in the records of COMENITY CAPITAL BANK is 4300 THE WOODS DR APT 301 SAN JOSE CA 95136. The name and address 0f all post charge-off purchasers of the debt are as follows: Name Address MIDLAND CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN INC. DIEGO CA 92 108 Plaintiff has complied with the provisions 0f CA CIVIL §1788.52. Plaintiff informed Defendant of the assignment 0f the Account. Pursuant to 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 of a billing statement that was mailed to Defendant stating the balance due 0n the Account at 0r around the time 0f charge-off. 7 CA_0132C} File N0.: 21-47367 COMPLAINT 10 ll 12 l3 14 15 16 18 19 20 21 22 23 24 25 26 27 28 14. 15. 16. 17. 18. 19. 20. 21. 22. Plaintiff acquired all right, title, and interest to the Account. T0 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 to 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 of payment options. The majority 0f Plaintiff‘s consumers ignore calls or letters, and some simply refuse t0 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 0f 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 COMENITY CAPITAL BANK. Defendant opened and derived benefit from the Account. By using the Account, Defendant expressly 0r impliedly promised to repay COMENITY CAPITAL BANK. Within the last four years, Defendant became indebted 0n the Account. On the Account, a balance of $3,730.46 was stated t0 be due to COMENITY CAPITAL BANK from Defendant. Plaintiff has n0 record 0f Defendant objecting to the balance due. Before the commencement of this action, Plaintiff was assigned the Account and indebtedness. Plaintiff is now the sole owner 0f the Account. Plaintiff has made a demand 0n Defendant for repayment of the Account, but Defendant has failed to pay the balance due. The current balance presently due and owing is $3,730.46 which includes payments, set- offs, credits 0r allowances, if any, at 0r after charge-off. 3 CA_0132G File No.2 21-47367 COMPLAINT 2 WHEREFORE, Plaintiff requests judgment against Defendant for $3,730.46, costs 0f this action and post judgment interest at the statutory rate. Plaintiff waives any claim for pre- judgment interest and attorney's fees. Dated: MIDLAND CREDIT MANAGEMENT, INC. 8 / 9 By: i; 10 D JACKWPOGOSIAN H , Q DMANASI TAHILIANI APR 89 202s BHYO JIN JULIA JUNG 12 ' MELINE GRIGORYAN CHRISTINA ARNOLD D ICHAEL D. KAHN D NICHOL ALAN DE GUZMAN D CAMRYN P. BERK 4 COMPLAINT CA_OI3ZG File No.: 21-47367 EXHIBIT A AA70125 File 1\0.: 21-47367 EXHIBIT A BILL OF SALE Comenity Capital Bank (“Seller”), for value received and pursuant t0 the terms and conditions 0f that certain Credit Card Account Purchase Agreement dated October 25, 2019 between Seller and Midland Credit Management, Inc. (“Purchaser”), its successors and assigns (“Credit Card Account Purchase. Agreement”), hereby assigns effective as of the Closing Date of July 27, 2020 all rights, title and interest of Seller in and to those certain Accounts described in the Credit Card Account Purchase Agreement and Schedule 1 (the “Asset Schedule”) attached hereto and made part hereof for all purposes, t0 Purchaser. The information contained in the Saie File (collectively, “Seller’s Accounts Information”) is true and complete as of the File Creation Date. Further, all 0f the information contained in Seller’s Accounts Information (a) constitutes Seller’s own business records regarding the Accounts and (b) accurately reflects in all material respects the information about the Accounts in Seller’s possession. All 0f Seller’s Accounts Information has been kept in the regular course 0f Seller’s business, and was made 0r compiled at or near the time of the event and recorded by (or from information transmitted by) a person (i) with knowledge 0f the data entered into and maintained in Seller’s business records, 0r (ii) who caused the data t0 be entered into and maintained in Seller’s business records. All capitalized terms used, but not defined, in this Bill 0f Sale shall have the meanings assigned to such term in the. Credit Card Account Purchase Agreement. This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement t0 which this is an Exhibit. N0 other representation 0f 0r warranty 0f title 0r enforceability is expressed 0r implied. COMENITY CAPITAL BANK Midland Credit Management, Inc. fl By: By AL} .Lvéyfime” V . I ' Date: 6//7/20 Date; 9/2/2020 I . Title; » '1 Tme MVP 0f Business Development SCHEDULE 1 TO BILL OF SALE ASSET SCHEDULE The individual Accounts transferred pursuant to the Credit Card Account Purchase Agreement and Bill of Sale are described in the electronic file named MCMG_CB_JUL Y _2020_DPL_CCB.TXT;MCMG_ CB_JUL Y _2020_LCS_CCB.TXT and delivercd by Comenity Capital Bank to Midland Credit Management, Inc. on July l6, 2020 and summarized in the table immediately below (the “Sale File”). # of Charged~off Accounts Aggregate Unpaid Balance Percent File Creation Date 7/1 6/2020 EXHIBIT B CLOSING STATEMENT AGREEMENT DATE: October 25, 2019 SELLER: COMENITY CAPITAL BANK PURCHASER: Midland Credit Management, Inc. MCMG_CB_JULY_2020.DPL_CCB.TXT; FILE NUMBER; MCMG CB JULY 2020 Lcs CCBIXT NUMBER 0F ACCOUNTS: TOTAL UNPAID BALANCE: PURCHASE PRICE PERCENTAGE: PURCHASE PRICE: FILE CREATION DATE: July 16, 2020 CLOSING DATE; Juiy. 27, 2020 WIRING INSTRUCTIONS PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORIGINAL CREDITOR STATE OF: UTAH COUNTY OF: SALT LAKE On L6]! 1/70 , Bruce Bowman (“Affiam”) being duly sworn, deposes and says: I am over 18 and I am the Chief Credit Officer of Comenity Capital Bank (“Seller”). [n that capacity and as part of my regularjob duties, I have custody 0f certain business records of Seller, routinely review such business records, and am familiar with Seller’s processes for the sale and assignment of accounts and business records, including those that are maintained in electronic form. Seller owns certain accounts, and maintains and records information in the records as they relate to such accounts. I am authorized to make the statements and representations set forth in this affidavit 0n behalf of Seller. The statements set forth herein are true and correct to the best of my knowledge, infonnation, and belief, based on either personal knowledge or review of the business records 0f the Seller. If called upon as a witness, I can testify competently to the facts contained herein. My regularjob duties include having knowledge of, and access to, business records relating to the Accounts (as defined below). These records are kept by Seller in the regular course of business, and it was in the regular course of business of Seller, for an employee or representative with personal knowledge of the act, event, condition, or opinion recorded to make memorandum or records or to transmit information thereof t0 be included in such memorandum or records; and that the records were made at or near the time of the act and/or event recorded or reasonably soon thereafter. On or. about 7/27/2020, Seller sold a pool of charged-off accounts (the “Accounts”) by a Credit Card Account Purchase Agreement to Midland Credit Management, Inc. (“Buyer”). The original creditor at the time of charge-off was Comenity Capital Bank. Pursuant to the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over and delivered to Buyer and its successors and assigns, good and marketable title to the Accounts and any unpaid balance free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest. I am not aware of any errors in the Accounts. In connection with the sale of the Accounts, electronic and other records were transferred to or otherwise made available to the Buyef (the “Transferred Records”). The Transferred Records have been kept in the regular course of Seller’s business, and were made or compiled at or near the time 0f the event and recorded by (or from information transmitted by) a person (i) with knowledge ofthe data entered into and maintained in Seller’s business records, or (ii) who caused the data t0 be entered into and maintained in Seller’s business records. To the. extent that the Transfened Records include records that were prepared by a third party, they are records that were incorporated into the. records of Seller as a business record and the accuracy of such records are relied upon by Seller in the regular course of business. 7. I certify under penalty of perjury that the foregoing is true and correct. FURTHER AFFIANT SAYETH NOT. Signedthis I 7mday of M “S7; .202? Wéwmm Bruce Bowman (AFFIANT NAME) Comenity Capital Bank Subscribed d swo‘m ‘o before me this fl day ofm 203 by an employee of Comenity Capital Bank ’ TRAVIS C MINER ,5 Notary Public- State of Utah ’; ' Comm. No. 702264 " My Commission Expires on Sep 10, 2022 CERTIFICATE OF CONFORMITY STATE OF UTAH COUNTY OF SALT LAKE The undersigned does hereby certify that he is an attorney at law duly admitted to practice in the State 0f Utah and is a resident of Utah, County of Salt Lake, Utah; that he is a person duly qualified to make this certificate of conformity; that the foregoing acknowledgment by Bruce Bowman named in the foregoing instrument taken before Travis C. Miner a notary in the State of Utah duly conforms with the laws 0f the State of Utah, being the State 'm which it was taken; and when executed by Mr. Bowman in the manner indicated will qualify as a valid and effective swom statement in such state. , °- j [UV Luff .2 / 2020 W4 gSL/(flfii/l-.x______+_. Date “’ Attorney at La'b/ for the State of Utah PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORIGINAL CREDITOR STATE OF: UTAH COUNTY OF: SALT LAKE On | 61/71W ,Bruce Bowman (“Affiant”) being duly sworn, deposes and says: LII l am over 18 and I am the ChiefCredit Officer of Comenity Capital Bank (“Seller”). In that capacity and as part of my regularjob duties, l have custody ofcertain business records of Seller, routinely review such business records, and am familiar with Seller’s processes for the sale and assignment of accounts and business records, including those that are maintained in electronic form. Seller owns certain accounts, and maintains and records information in the records as they relate to such accounts. I am authorized t0 make the statements and representations set forth in this affidavit 0n behalfof Seller. The statements set fonh herein are true and conect to the best 0f my knowledge, information, and belief, based on either personal knowledge or review of the business records of the Seller. If called upon as a witness, I can testify competently to the facts contained herein. My regularjob duties include having knowledge of, and access to, business records relating to the Accounts (as defined below). These records are kept by Seller in the regular course of business, and it was in the regular course of business of Seller, for an employee or representative with personal knowledge of the act, event, condition, or opinion recorded to make memorandum or records 01‘ to transmit information thereofto be included in such memorandum or records; and that the records were made at or near the time 0f the act and/or event recorded or reasonably soon rhereafier. On or. about 7/27/2020, Seller sold a pool of chargedfloff accounts (the “Accounts”) by a Credit Card Account Purchase Agreement to Midland Credit Management, Inc. (“Buyer”). The original creditor at the time of charge-off was Comenity Capital Bank. Pursuant to the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over and delivered to Buyer and its successors and assigns, good and marketable title to the Accounts and any unpaid balance free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest. I am not aware of any errors in the Accounts. [n connection with the sale of the Accounts, electronic and other records were transferred to or otherwise made available to the Buyer (the “Transferred Records”). The Transferred Records have been kept in the regular course of Seller‘s business, and were made or compiled at or near the time ofthe event and recorded by (or from information transmitted by) a person (i) with knowledge of the data entered into and maintained in Seller’s business records, or (ii) who caused the data t0 be entered into and maintained in Seller’s business records. To the extent that the Transferred Records include records that were prepared by a third party, they are records that were incorporated into the records of Seller as a business record and the accuracy of such records are relied upon by Seller in the regular course of business. 7. I certify under penalty of perjury that the foregoing is true and correct. FURTHER AFFIANT SAYETH NOT. Signed this i 7 day of £145 Zt 57L .202? I I Bruce Bowman (AFFIANT NAME) Comenity Capital Bank Subscribed d swo’m '0 before me this [i day ofW 20% by an employee of Comenity Capital Bank 3‘? " r~ " Notary Public - State of Utah“ ' Comm. No. 702264 5_ My Commission Expires on Sep ‘ CERTIFICATE OF CONFORMITY STATE OF UTAH COUNTY OF SALT LAKE The undersigned does hereby certify that he is an attorney at law duly admitted to practice in the State of Utah and is a resident of Utah, County of Salt Lake, Utah; that he is a person duly qualified to make this certificate of conformity; that the foregoing acknowledgment by Bruce Bowman named in the foregoing instrument taken before Travis C. Miner a notary in the State of Utah duly conforms with the laws of the State of Utah, being the State in which it was taken; and when executed by MI Bowman in the manner indicated will qualify as a valid and effective sworn statement in such state. a i [?.Li/I‘, 5, L5,? J l" 202D 61/04/le édflm Date {*2 Attorney at Léfi/ for the State of Utah Field Field Data Account Number -1 24 Seller Account ID -8625 First Name ALFONSO Last Name QUINTANA SSN XXX-XX-3078 Date of Birth - Address 1 4300 THE WOODS DR APT 301 City SAN JOSE State CA Zip 95136 Home Phone 4088267331 Open Date 10/23/2019 Last Purchase Date 10/24/2019 Last Purchase Amount $3,000.00 Sale Amount $3,730.46 Charge Off Date 06/30/2020 Charge off Balance $3,730.46 Post Charge Off Interest $0.00 Post Charge off Fee $0.00 Post Charge off Payments $0.00 Post Charge off Payments and Credits $0.00 Post Charge off Credits $0.00 Affinity TOYOTA REWARDS VISA Account information provided by Comenity Capital Bank pursuant to the Bill of SaIe/Assignment of Accounts transferred on or about 07/27/2020 in connection with the sale of accounts from Comenity Capital Bank to Midland Credit Management, Inc. MCMG_CB_JULY_2020_DPL_CCB.TXT; MCMG_CB_JULY_2020_LCS_CCB.TXT EXHIBIT B AA_0126 File No.2 21-47367 Enjoyyourdnveand vakll the rewa 4 Summéry ol account actiVity Account no. “"»"’”-““-9124 Previous balance $0.00 Payments 0,00 Other credils 0.00 Purchases 3 000.00 Olher debils 0.00 CaSh advance 0.00 Balance transfer 0.00 Fees charged 0.00 Interest charged 0.00 New balance $3,000.00 Pas1 due amount 0.00 Credit limit $3000.00 Available credit $0.00 Cash credh Iimii $600.00 Available cash $0.00 Staiemem closing date 11/1 4/2019 Days in billing cycle 35 «33] PAGE 1 o= 4 Payment information . _ New balance $3,000.00 Minimum payment due 335,00 Payment due dale 12/10/2019 Late payment warning: H we do not receive your minimum payment by 12/10/2019 you may have to pay up lo a $39.00 late fee. Minimum payment warning: If you make only the minimum payment for each period. you will pay more in interesi and it will take you longer to pay off your balances For example: If you make no additional charges using this card and each month you pay: You will pay off the balance shown on the shtement And you will end up paying an estimawd tom! in about; of; Only zhe minimum payment 13 years $7691 S1 1 9 3 years $4295 (savings S3395) For information regarding credit counseling services, call 1-800-284-1706. Account Questions? Need t3 make a Jaynem Wait t3 know how to go Japerless? Visit comenity.net/toyotarewardsvisa or call 1-844-2/1~2695 (I DUI! IY 1-888-819-1918). Want to stay in the know with credit tips and news? Visit Js at ra:ebook.conlas«:omenity 3' at twitter.com/asmamenity. Your Toyota Rewards Pro- ’ Don=t forget lo update your information by visiting ToyotaRewardsVisacom so you don=t miss out on exciting offers. While you‘re visiting ToyotaRewardsVisacom, add an authorized buyer to your account to earn even more reward points. Go paperless! To enroll in paperless statement notifications visit ToyotaRewardsVisacom. Detailsot youri’lrransactvions TRANS DATE TRANSACTION DascmPTION/LOCATION AMOUNT 10/24/2019 GILROY TOYOTA GILROY CA - Gilruy-CA 3000.00 Fees Total fees charged for this period $0.00 Interest charged Interest charge on purchases $0.00 Interest charge on cash advance $0.00 Interest charge on balance transier $0.00 Total interest for this period $0.00 201 9 totals year to date Total fees charged in 201 9 Total interes‘x charged in 2019 $0.00 $000 NUIICE: See reverse side for impofiam information, Please tear m perloration above Yes. ‘I have moved o: updated my e-maII address - see reverse. ALFONSO QUINTANA 4300 THE WOODS DR APT 301 SAN JOSE CA 951 363875 HEEDLDLU DDDDNJDEI =weu Accomt number wtttflnuagttt _91 24 \Iew balance Minimum pay'nefil $3,000.00 $35.00 99 2 3 Payment must reach us by Amount enclosed: 6 pm ET on 12/1 0/201 9. $[ J Please make check payable to: COMENITY ~ Toyola Rewads Visa Please return this ponion along wiih your payment to: PO BOX 659820 SAN ANTONIO TX 78265-9120 I'IIIIIIIIIIIIIllIII|l'HIIllllII“'HHI'llHIIIIHIIIIIIlllllll DDDDDBSDU UDUEDDDDD K e e p [ h i s p o n i o n f o r y o u r r e c o r d s . W h a t T o D u I f Y o u T h i n k Y o u F i n d A M i s t a k e O n Y o u r S t a t e m e n t H y o u t h n k h e r e i s m e r " : rm y n u ’ s t a t e m e n t , w m a t o J ; a t : C o n m i t y C a l m s ] j a m P U b u g 1 . 8 3 2 ! ) I ' u l q m b u . U l n u 4 3 2 1 8 2 & 2 ] . l ' l y u u ‘ l v l l ‘ n . E m : u s l h v : I 3 m m ; I 1 1 L m a l l u . I c o ' . 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C o x r e c t f m m a i i o r d i H e r e n l p a y ' n e w l u e i h o d s i n c l J J c - C l i p V O J I : p a y u r : I t S t u . r a n d J o r z m t m i o I X I B Z ’ H - ' t h o ’ a y m ' : I l l s ‘ < c h ' l a i d i n F u H ’ R e w a u j s V i s a C a J ) - r l -S M - 2 / 1 2 / W ( I y ; R a R - [ C a m ' ) C R E D I T R E P O R T I N G W i n m a y r e n n n i n f a r n a t i a n a n o u t y o u : 3 2 2 m m ! I n m m u q u - a u s = _ a t c : p a y ' n s . m i s s e d p a w : I l l s . L u 0 m m d s l a u l l s u u v o w a c c o u n t m a y b u m i l c c t e d I n y a m s u o u ‘ l l m p u r l . N O T I C E 0 F C R E D I T R E P O R T D I S P U T E S . 1 tw J b u l x u v u [ h e a c o u n l i n ! o . ’ m a t i o n w e r e u o fl e d t o a c u n s u m e r r e p o r t i n g a g e n c y i s i n a c a u m i e . y o u m a y s u b m i t a d h e c t d i s p u t e t o C o m e n i t y C a p i t a l S a n k . P O B o x 1 8 7 1 2 0 . C o l u m b u s . t h o 4 3 2 1 8 - 2 1 2 0 . Y o u r w r i n e n d i s p u t e m u s t p r o v i d e s u f l i c i e n l I n l o r m a n o n l o i d e n t i t y t h e a c c o u n t a n d s p e c n y w h y t h e I n fl o r m a i i o n i s i n a c c u m i e : A c c o u n t I n f o r m a i i o n : Y H - J I I r a n ” : a n d a t z u u n t n u m ’ m C o n t a c t I n f o r m a t i o n . Y O J r a d d ' e s s a n d l e l e s ‘ n o n e n u m b e r D i s p u t e d I n f o r m a k i o n ; I d e n l I I y { T I E u u r t t I f u u n a h o s l d I S L - u l s ' l a n d c x v l a l u w i l y y w { w a l l s m I ! 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I t t c nw u ‘ a u n l c a t lm s v g a r d l n g d i s p u t e d a m o u n t s t h a l m t : l u d r : a n y c c c k m u m n r p a y m e n t i n 1 " a n m m k e d w i t h “ p a y m c n l i n l u l l " o r s i m i l a r l a n g u a g e m u s ! 3 M : s e n t I o : 6 5 : 8 0 N m k h L o o p 1 5 0 4 h a s t . S u i l r : 1 0 1 . S a n A n l u n i o . I X l 8 2 1 1 l - E U M . D O N O T U S E T H E E N C L O S E D R E M I T T A N C E E N V E L O P E . - W r : m a y 5 1 1 m m p a y n w m s c m l 0 a n y o t h e r a r j d m s s w i t h o u l l o s i n g , a n y o i o u r : i g t h . - N u n a y m c n l s h a l l u - L m r a l e a s a n a c c w d a n d s a l i s l a c t i o n W i t h o u t { . x i u : w r i t t e n a v p m v a l l C U S T O M E R S E R V I C E , V i s i t c o r n e n i t y . n e t / t o y o t a r e w a r d s v i s a 3 r c a l l l 5 4 4 Z / l Z t - ‘ i b i l w : R e m a n d : ' v ' l a ' a J a m ) ! ” L 5 4 4 2 / 1 2 / 0 4 H u y u t d H r v r d i d s " v ’ l s : M g t l a t u r , s l d ) ( I U D ! I I Y 1 . “ * 1 “ S L 1 } 1 9 1 5 . 1 . T E L E P H O N E M O N I T O R I N G . I v : w w l d : ) ‘ v u w i t h n i g h : u a l l i y : c z v l a ' : 3 m m : : ‘ w n m u n i c a l i u n w i t h u s i s : n u n i l u u m a t h J r : I : « : , 0 n 1 4 : d . A D D I T I O N A L | N F O R M A T | 0 N . I T : l m l r m i ‘ l g J O S I g - ‘ x a l i u r l s . M u n a p p r s a r i n g U I I m : i u m t v i y u m z t a i e m r u i , I n c a ” m s : i v l l u w m g z V m e a n : E m u l a t e m a y ‘ m y } : W V I N I : - ' . Y H Q m e a n s W A I V L I N I L H L ‘ J . i L S I L Q L I A L P A Y M L N I ; W V " 'I P M I m u n : ” I A ! ' L l N l L " , L U W P n Y M L N I ; L ) ! I N ! F Y J 4 . " \ T , P A Y M f . - I I R F D U I Q F D ; D F I ’ I N T x ' i ' J ? Y m e a n s , . I N T F R F m T , 1 Q U A I ? A Y M F N T ; D I ’ I N T |O W ? ? x - I T m e a n s D F F F R I N T F H S T I " I “ ! ? A Y M I ' N T a n d I " ) V ' A P R m P A Y n m a n g . m w A P R , F ( l l I A I P A Y ‘ A I ‘ J T . I f y n u n v = . a v a n a n l a . r a m 3 ‘ D u n n y o u r n a r i o d i r . r a t e s m a y v a v ‘ g . Y :m m a ; n a y . n l l : p i y u m A . C u u n t h a l a n z a a : a n y l i m e w i r h m n { P e r l a m n S e n d a I l i n q u i r i e s t o : C U S T O M E R S E R V I C E . P 0 B o x 1 8 3 0 0 3 , C o l u m b u s . O h i o 4 3 2 1 8 - 3 0 0 3 . S e n d a l l b a n k m p t c y n o t i c e s a n d r e l a t e d c o r r e s p o n d e n c e t o : C o m e n i t y C a p i t a l B a n k . B a n k m p t c y D e p a r t m e n t . P O B o x 1 8 3 0 4 3 , C o l u m b u s , O h i o 4 3 2 1 8 - 3 0 4 3 . N O V I C E A B O U T E L E C T R O N I C C H E C K C O N V E R S I O N W w e n y m p ' m i d n a a s p a w m y l l . y o u a u U V J H u . ‘ u s e i t h e r l o U S U I n l w m l i o n I w m v o l . " ‘ ’ : I l . u : m y m u n L : 4 5 a L h c u l r a n s ‘ a L h u r l W h L . w e : u s e m A m a l I u n h o r n t s w n c l u n J L r a n s I L - r l u n v j s m a y b e : m e r a w n . . . 0 n a U V : s a t i n : d a y m 1 : , I : y a w n D a y u n z n t a n d y o u w r l l n u t r c u n v r : y o u r L u w k b a g s l w m y o u r I m a m . m l u r a n i u m “ . H L H U I H L U : ” I V I N I L i l P Y m e a n : W F ‘ W L I N I L I ~ I N I ‘ 1 1 ] r A c c o u n l b y t h e : : a y m s n l s z - ' J a t ' s b y t h o t i m : l i s t e d b e l o w , I f x m d : - n o l m c t s i v a y O J r : x a y m e m i n a c o ' r n c t I o ’ m a l ( a u t l i n e d b a l m . " i : r e l p c l s i A l s o , y O J v b a y r n c m m u s t r e a m u s : n y k 1 ° p a y n e w ! c u t o f f t i m e M a i a x . “ t h e p m m : 1 t n e t l l u d y ; u . » s a h u t I ’ m c a l l ! I s I S S U L ' G b v ( J o H r : u h L a I l i a ! U ‘ J I R L u n u g u t I u a l l u e I 5 : I u m V i s a U . S A l l c . V i s a [ 5 ' 1 1 : . d ' s g b ‘ l c w d n a d s m m i u . ‘ : 2 ! > £ u : ! . d o ? I ' J E s t a p l e L u o r e p a y 1 : 0 1 1 w i t h 0 m : H E , l t h é t r ‘ J U V I . ) \ I . w : 1 0 0 4 _ a a i . M I " ? 1 “ ! 5 m ( : 2 ! n a i l e d p a y 1 n : u s J n l c s s t h o . i s a j i s w t : i n ‘ h c ‘ c , q u l u l l n v ‘ P a y B y P h o n e : Y L ‘ x J c a n c a l l a s l u l l h e r : a t 1 { 4 3 4 - 2 / 1 - I L ‘ L " ! D I Y 1 8 8 8 - 8 1 9 - 1 : 1 5 ) 9 . 0 ' n a v m : v a y m c n t b y { 2 !: J p w n c . w . i n c l J J r : a l : : . O n l i n c . Y o u c a n l n a k r a p a y m t n l o n l i n c a L : o m c n i t y . n c t / t o y o t a r c w a r d s v i s a P a y m v u k C u l t ) ” T i m e s . P ‘ a y H m u t t u t u " l l : | w > . ’ d r ; d d | l | l r : 3 K n u z ; E u l u l l u z - r i w g k i ' n u s ' : M a i l i n g a n d O v r m i g m : B y fi z O O p m 1 : 1 : . 3 c t r l v : p a , H r : I t ) c 1 v b ) ( h r : d u r : d a b : v x [ ' 1 1 : S t a v m m u I I I t h r : : - : ) m : H t _ \ [ J b a : 4 a x : t h r : r n H u h : ( t l ) ; P a y B y P h o n e . B y r 5 . 0 0 L - m : a s t w n l i r n r : ( t l r O n l i n e : B x 8 -D O . r m ( L l ) N e w I n t o r m a l i o n T m e ( o p n o n a l ) F i t s ! N a m e L a s t N a m eM M l S o c ‘ S e c . N o V S t r e e t A d d r e s s A p i . N O A R R C i t y S t a t e H o m e P h o n e E m a i l A d d r e s s Z i p C o d e W o r k P h o n e P O B o x F o r e i g n M a p C o d e {Imagestchargecalculationr. m- V ‘ . -H Your Annual Percentage Rate (APR) is I‘ne annual inte’est me on your account. See BALANCE COMPUTATION METHOD on page 2 tor more details Minimum inte'esl charge may exceed interest chage below, per you’ credit ca~d ag-eemenl. TYPE 0F BALANCE suaJ ECT INTEREST BALANCE APR To INTEREST RATE CHARGE Purchases 24.740036 (V) 0‘00 0.00 Cash advances 26‘7400°/o (V) 0.00 0.00 Additional important messages Important Reminder: It you make a purchase with this credit card using a promotional plan, the promotional plan expiration date and payment due dale may be different. This means mat if you have any remaining promotional plan balance after the promotional plan expiraiion date, the balance and any accrued interest (it applicable). will move to your regular revolving plan on the next billing statement. How to avoid or minimize interest charges: Be sure to pay any promouonal plan balance in full on or belore the plan expiration date shown in the "Details 0f your plans” section of your statement. Please also keep an eye out for notifications of when your promotional plan[s) are nearing their expiration date-you’ll see them in the red box 0n page 1 of your statement. If you have questions, please call us tolI-free at 1-844-271-2695 (TDD/TI'Y11 -888-81 9-1 91 8). To learn more about how promotional plans work. visit comenity,com/l‘inancial-education. We're always happy to help. Federal Law requires us to provide the following notice: We may report information about your account t0 credit bureaus. Late payments, missed payments 0r other defaults 0n your account may be reflected in your credit report. “This number may not reflect all current earnings due to calculation delays. All earnings not reflected on this statement will be reflected on your next billing statement. The Toyota Rewards Program is provided by Comenity Capital Bank which is solely responsible for the Program operation. including all rewards. Comenity Capital Bank may change the terms of the Program at any time. See toyotarewardsvisa.com for Rewards Terms and Conditions, Proxect yourself against mail and phone consumer fraud. httpi/labout.uspscom/publications/pubZB 1 /weicome‘htm Lock Your Card Instantly. Unlock It JustAs Fast. Lost, misplaced or stoten card? Sign in to Account Center and lock it, preventing unauthorized usage until you locate or replace your card. ubbumw unuunm =n.al+ unnnnasnn unmannnun a. n O a m 0 1 :w’syanr-III hyl. Jr. :hnne w m n nay l unlln: ‘al cmnenity. neUloyutarewardsvisa I Pay By Phone. -y 3:DO lm CREDIT REPORTING. WP, 'uay m:nrl mhrmalm: medil LILIieaJs. Late :nay‘nerlls. missed payments. account nay be reflected in yourrcdit ream. NOTICE 0F CREDIT REPORT DISPUTES. H yo; 03"“ c W: actomt Imzxmation we mrxolied t2: a consumer ‘cportlng; a ncy is Inaccurate. y'Ju may submit :1 direct diipulc luCU‘iw'Iily Capital Bank. ') 30x IEZIZO. Culumbum D'nu 13215 2120. YL-ur A'iHc-n dispute :xusl plzrlldc sullicimt infw‘natiun lo identify (ins account a‘uj suecify why 1:19 inkmnallzm is Inac:urate: Account Information; 1r ulhe; delaulls m your Y0." flan") 3nd ECCOUHK n'JmDC‘" Contact Infunnaliou: Yum addw» and tulcgmune nulnae: Disputed Information: identify the account infmnalion dismled and explain why yuu bellevu it i: imam (ate Supporting Documentation. It avaliablc. p. ovidc a o y of 1h: so: tiyn of the credit :eport ghomng the sc_mnt I Ilonnallon you are dsspuurrg W.“ Will Invcshg‘dlr: l Is :lis:ruled I 'Ilormation and rep wt fine resuils {Dy uu within 3CI dav: u! i pl 1.4 [he i Ilu [nation npeded f K out ii "tivalim Ix M: 1i. u! ”ml [he Lu: um! I'Ihunmlmu wu rep: “Ind Ix irmz: l zual}: wr: \VIH promptiy n'ovidr: t’ls nccsss‘a'y Lurmctlun lo each cwaumer (spwti'lg agency i0 which we uported the hmrmahom PAYMENTS MARKED 'PAID IN FULL lhx'lth-ad inn ulmls Illa! Hui lulI-La a I) m nlhex :Hy III» ll Illslllmmnl nmrf-(ed wlth mymunt m tull u amulc lam‘u’ase. must b: bent to: 0550 North LC-OE- 1:04 ast Smte 101 ban Pwnlonlo IX /824/ 5J04. DO NOT USE HIE ENCLOSED REMIFIANI NVEDPE. We may 3c:ept payment sent to any ume' address Wllnoul losmg any 3i LIJ.’ Iit'ills Nu payment shall npmale: as a I a:acrd and sallsfacllon wxlhoul p in: wlilte' law). oval CUSTOMER SERVICE. Visit cormnity nctltoyotarewanlsviw m call l-aW-H 2/1-2‘ J‘.) (luyuv Rm axdx‘ Vim f. all) vi 1-8:!4- 2/1-2/01 (luwla Rewards Visa 3113,”de (J-In‘) (I L) )l! IY I 38. 81') 1‘) -). TELEPHONE MONIYORING lo pumje you wun m uallky same. phone L‘uunnu Ii! ali .rrl with u»; i: munil rH-Jd :md/u, Jimi-EIL ADDITIONAL INFORMATION. Thu fol! vw1 \L demgnahons. MIR lappearins‘ m Uw Ir v ll If yL.» 1r slalemunl mew a Ute I -Huwin:'- V nvan xia »|e ralv (thisralr: nay Iarv): WVINI l‘AYRQIucans" ‘\|VL|N _(L .>l PAYVILNI R_QUIRED; V-N INT EC} PY meansWAlV- INTEREST. EQUFL PAYME‘IT. WV INI LOW -‘Ml hearts WAlVL- INILRLS .LUW Fr’xYMtNl- L‘I INI PY RH umaus 7,.‘t-E~'{ INIERESI. PAYMENI I . “- I‘ll 'Lu 'Y mnans 1):.1-LH lNle‘! '5! HM lf‘J Ji‘YMi NI; ll! IVI LL)‘ n’ INTEREST LOW ‘AYM-ENT and LDW APR _Q PAY- LOW APR. E(JIIAL PAYMLVI. Ii' ym haw.- a vanahle ram account, your. indie "args may vary. Yam may pay all -';~[ yu." ArsqunL balanc. .51 any li’ne withuul penalty Send all inquiries to: CUSTOMER SERVICE. P0 Box 183003. Columbus. Ohxo 432183003. All w Itken commumcatms :egardmg Stud all bankruptcy nukiccs and reiated correspondence Ru: Cumeuky Capital Bank, Bankruptcy Department PO 30x 183043. Columbus‘ Ohio 432 183043. NOTICE ABOUT ELECTRONIC CHECK CONVERSION, When yc-J pmwde a umk a5 pavmml. you aulh .-r : us ail 115 lo J52 mlonnahun hu'n your mun to n'akk: cum: inn: cll:CU Irnc Iu 1d [Iaushy inulyom doc uni UI t; process me naymenl :4 a check lra'rsaLiIon Wnu. x we use mlummlmn H _.m your thyu (u 'naw an vlc'zlvonic {Jud hailsir. Iunds may :n wimdmwn I:om you account as soon as [he same day we arm": your payment. anrl yu: will nut :uuuivu )u u hum‘ ba k l‘ om yu u financial ixlbtitufiw. I. 32.!!!” payment In a oueLl iuuual (Lulhned beinw) i1 ustr sch us by [he payment cutoff hme that ap'mes to ”k orcasnicr' s men nayaalc i1 J < .dullars. :0 Lh; name and =ddre ss sham on u Iimu n pay lent amvu: IL :‘e sure m inclee yuu.’ Jayme:-1[ stub dc» noK :KaplP m mngy:u ox'lded wtt‘l your Staiumeui. >L- IJ um: payment wlh unc ' ‘1’” Nuth'. up 1304 _‘1>‘[. S lit: I‘ll. Sun is a fistula. in «huh cas vou iullyw us (1-H ['ee al 1-844-27 l-2C (T vyola [He due dale on i Ins Statement in the?:raymr-s ll stub area a1 lir: -13h:m Kim: (El): Onhnez9_,, 8:00 pnfl T) New Information Title (optional) First Name Ml Last Name Soc. Sec. No. Street Address Apt‘ No. RR PO Bax City State Zip Code Foreign Map Code Home Phone Email Addless Wozk Phone ”Additional'imponantmessages;Loontinue'dh __. ‘ __ 7_, PAGE 3 OF 4 As the bank that manages your credit card. our hearts go out to those affected by the coronavirus (COVID-19) pandemic The support we're extending to you. If you're experiencing financial hardship because of COVID-1 9. please call 1-844-271 2695 (TDD/FTY: 1-888-819491 8) to discuss how we may be able t0 help, Account Center is available 24/7 for you to manage your Toyota Rewards Visa account onllne. You can make payments and view your balance, transactions and Sta‘ements online‘ Not yet registered? Visit comenity‘net/toyotarewardsvisa; enter your Toyota Rewards Visa credit card account number and ZIP code. then verify your identity, We're looking out for you. We remain focused on the health and weII-being 0f our customers and associates. and we'll continue to stay on top of what‘s happening during the pandemic so we can best support you. Important Reminder: If you make a purchase with this credit card using a promotional plan, the promotional plan expiration date and payment due date may be different. This means that if you have any remaining promotional plan balance after the promotional plan expiration date. the balance and any accrued interest (if applicable), will move to your regular revolving plan on the next billing statement. How to avoid or minimize interest charges: Be sure to pay any promotional plan balance in full on or before the plan expiration date shown in the “Details 0f your plans" section 0f your statement, Please also keep an eye out for notifications of when your promotional plan(s) are nearing their expiration date-you'll see them in the red box on page 1 of your statement. If you have questions. please call us tolI-free at 1-844-271 2895 (TDD/TTY:1 -888-81 9491 8). To learn more about how promotional plans work. visit comenity.com/financiaI-education. We're always happy to help, IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a bad debt at the end of this month. T0 avoid this. you can pay the Minimum amount shown on this statement before the end of this month. lf you are not able to pay the Minimum Payment amount. we will still be able to assist you and prevent your account from being written off Call us at 1-855-617-8089 (TDDfl'TY 1‘888-81 9-1 91 8) and we will find a suitable payment before the end of this month, If written off. the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the appropriate steps. as permitted and available under applicable law, to protect our interests Federal law requires us to provide the following notice: 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. How can you take charge against ID Theft? Visit idlheflgov to find out. 9550mm unanswu =1Lau uoumuuun nunavanub w. J O v u. 3 <1