DeclarationCal. Super. - 6th Dist.April 16, 202121 CV381297 Santa Clara - Civil D Harris Electronically Filed H O\ I, the undersigned, declare and state as follows: Hq 1. I am the attorney of record for plaintiff MIDLAND CREDIT MANAGEMENT, INC. H OO ("Plaintiff") in the above entitled action. To the extent that Plaintiff acts in its capacity as 1 JACK H. POGOSIAN, State Bar No.: 305741 by superior court of CA, 2 CHRISTINA ARNOLD, State Bar No.: 297590 county of Santa Clara, HYO HN JULIA JUNG, State Bar N0.. 316090 on 7/9/2021 5.28 PM MELINE GRIGORYAN, State Bar No.: 321 133 Reviewed B _ D Harris3 MICHAEL D. KAHN, State Bar No.: 236898 Case #21 CV31?“ 297 4 ABRIL F. SAGLIO-RUIZ, State Bar No.: 299586 E I _ 681 4 350 CAMINO DE LA REINA, SUITE 100 “V9 °Pe- 309 5 SAN DIEGO, CA 92108 E- Telephone: (866) 300-8750 % 6 Facsimile: (858) 309-1588 g 7 Attorneys for Plaintiff g E g _ 9 SUPERIOR COURT 0F CALIFORNIAfl flJ E g 10 COUNTY OF SANTA CLARA g E 11 DOWNTOWN SUPERIOR COURT g E 12 MIDLAND CREDIT MANAGEMENT, INC. Case NO_ 210881297 E E 13 Plaintiff, fi E VS DECLARATION RE: E E 14 ' CODE OF CIVIL PROCEDURE § 1033; EB ALFONSO QUINTANA; INTEREST; AND g; 15 Defendant. EVIDENCE CODE § 1550 E E ‘5 .9 Q E E E E a E ‘E 8 E g 3i E 19 successor in interest to the original creditor or its assigns, references herein to Plaintiff may jg 20 include Plaintiff‘s predecessor in interest. If called to testify, I could and would competently testify as g 21 to all the facts stated in this declaration, except as to those matters testified to upon information and g 22 belief, and as to those matters, I believe them to be true. 2. I am an attorney and an employee of Midland Credit Management, Inc. ("MCM"), the 23 servicer of Plaintiffs account. Ihave access to and have reviewed the electronic records pertaining to the 24 account and am authorized t0 make this affidavit on Plaintiff‘s behalf. The electronic records reviewed 25 consist of data acquired from the seller when Plaintiff purchased the account, together with records 26 generated in connection with servicing the account since the day the account was purchased by Plaintiff. 27 In addition, I reviewed the documents that are attached to this affidavit. 28 -1- DECLARATION RE CODE OF CIVIL PROCEDURE; INTEREST; AND EVIDENCE CODE CA_0321G File No.: 21-47367 JUD 3. Plaintiff is precluded from filing this case in Small Claims Court per Code of Civil Procedure § 116.420(a). 4. The complaint seeks to recover amounts owed by Defendant ALFONSO QUINTANA H ("Defendant"). The underlying account that is the basis of the instant lawsuit is a credit account that Defendant held with creditor COMENITY CAPITAL BANK, account number: XXXXXXXXXXXXX- 9124 (the "Account"). 5. Prior to filing this complaint, all right, title and interest t0 the Account was sold and assigned to Plaintiff. Plaintiff owns the Account and stands in the place of the original creditor and is entitled to collect 0n the Account as if it were the original creditor. Additionally, as owner of the \DOOQONUl-PUJN Account, Plaintiff can testify to ownership of the Account and the fact that the debt remains unpaid by Defendant. pd O 6. Upon my review of the Plaintiff’s records as they pertain to Defendant’s account, there H p-A were previous transactions between the original creditor and Defendant. Defendant agreed to repay the H [\J amount due to the original creditor, and there was a valid assignment of the account from the original Please understand! this communication i5 fru-m a debit collector. This i5 an attempt tn on‘llect a debt. Any Information obtamed Will be used fur that purpose flA 13 creditor to Plaintiff. By using the Account, Defendant expressly agreed or impliedly promised to repay Plaintiff. 15 7. Prior to the commencement of this action, as part of our usual course of business, and 16 pursuant to Code of Civil Procedure § 1033(b)(2), Defendant was notified in writing of the intended legal 17 action and that any judgment entered against the Defendant would include attorney's fees and collections costs. A true and correct c0py of the letter sent to Defendant is attached hereto as "Exhibit A". 18 8. When Defendant failed to pay the balance due, Plaintiff filed and served the Complaint in 19 this action. Defendant was served with the complaint on May 16, 2021. A proof of service was filed with 20 the court. 21 9. I am informed that Defendant has failed to answer or otherwise defend as to Plaintiffs 22 complaint within the time allowed by law, and therefore the allegations of the complaint are deemed 23 admitted by law. 24 10. Plaintiff seeks entry of Defendant's default and judgment as set forth in the Request for 25 Entry of Default Judgment, Judicial Council for 982 (a)(6) filed with this Declaration. 26 27 28 -2- DECLARATION RE CODE OF CIVIL PROCEDURE; INTEREST; AND EVIDENCE CODE CAm0321G File No.: 21-47367 JUD 1 11. Filed as part of this default judgment packet is an affidavit pursuant to Code of Civil 2 Procedure section 585. The affidavit and its attached exhibits establish the account and the obligation. 3 COSTS AND FEES 4 12. Pursuant to Code of Civil Procedure § 1033(b)(2), Plaintiff is entitled to recover the I 5 actual costs of a filing fee and the actual costs of service of process. E 6 13. It is the normal business and procedure 0f Plaintiff to microfilm, image or store as m E 7 electronic media all documents provided by Plaintiff’s predecessor-in-interest. The records are B E 8 microfilmed, imaged or stored as electronic media to facilitate storage and are maintained as part of E 9 Plaintiff’s regular business practice and procedure. Therefore, Plaintiff requests that all copies 0ft E E 1O documents produced as part of this default judgment packet, including any affidavits and any documents - D. j: a 1 attached thereto, be accepted in lieu of the original pursuant to Evidence Code § 1550. .: 15 1 :f I declare under penalty of perjury under the laws of California that the foregoing is true and 3;, 12 correct. E Ev E E E 14 Date June23% MIDLAND CREDIT MANAGEMENT, INC. 15 JUN so 21m .90. E é g 16 / g E By: / /"" E E 17 DJACKH.POGOSI% g i DHYO JIN JULLA JUN .3 g 18 DMELINE GRIGORYAN E 19 D CHRISTINA ARNOLD g; DMICHAEL D. KAHN g 20 QABRIL F. SAGLIO-RUIZ fl 21 E ‘L 22 23 24 25 26 27 28 -3- DECLARATION RE CODE OF CIVIL PROCEDURE; INTEREST; AND EVIDENCE CODE CA_0321G File No.2 21-47367 EXHIBIT A AA_0125 File No.2 21-47367 M IDLAND CRED IT MANAGEMENT Our Client: Midland Credit Management, Inc. LEGAL COLLECTIONS DEPARTMENT OriginaICrediton COMENITYCAPITAL BANK _ Original Account No.: XXXXXXXXXXXXXX9124 Midlandcrea't'com Current Balance: $3,730.46 (877)'898'5001 Internal Legal Account No.: 21-47367 Jack H. Pogoslan, State Bar No. 305741 Christina Arnold, State Bar No. 297590 '.'. _ "' . ' Hyo Jin Julia Jung, State Bar No. 315090 Alfonso QU'nta"a Meline Grigoryan, State Bar No. 321133 P1 3(2)? 3828 7 Trees BlVd Ste 100 Manasi Tahlllam‘, State Bar No. 272821 San Jose, CA 95111-4485 Carolina Pinhelro, State Bar No. 259875 llmmu.l“lull"..lnl.1,||I...|I.I"..III.plflpmqmn N""°' “a" De Guzman: 5‘3" Bar "0- 314939 03/17/2021 REF: COMENITY CAPITAL BANK Original Account Number: XXXXXXXXXXXXXX9124 Dear Alfonso Quintana, As attorneys with Midland Credit Management, Inc. legal department, we are contacting you regarding the coliection of the above balance. Your COMENITY CAPITAL BANK Account, owned by Midland Credit Management, Inc., has now been transferred to our legal collections department due to non-pavment. We are currently reviewing documentation (inciuding the attached documents) in preparation for filing a lawsuit against you. Demand is hereby made upon you for the above payment IN FULL-thls is the amount due on your original obligation when transferred to our department. Please send payment Made Payable to Midland Credit Management. Inc. by 03/27/2021. You may also make a payment online at MidlandCredit.com. If we do not receive payment IN FU LL by 03/27/2021, we intend to file a lawsuit against you, seeking entry ofjudgment for your account’s outstanding balance as well as any incurred and recoverable court costs. We intend to continue our collection efforts through various post-judgment remedies available under your state's laws if a judgment is obtained against you. 1f you are unable to pay in full by 03/27/2021 please contact our office at (877)-898-5001 to discuss affordabie repayment options. Your prompt attention is necessary to avoid a lawsuit. Please call (877)-898-5001 no later than 03/27/2021. You may also make a payment online at MidlandCredit.com. Sincerely. Attorneys for Midland Credit Management, Inc. P.S. Attached are copies of some of the documents we received from the original creditor regarding this account. when your account has been paid, and if data related to the account is still being furnished to the consumer reporting agencies, a request will be made of the three major consumer reporting agencies to report the Midland Credit Management, Inc. trade line related to the above referenced account as paid. 004864 . . A ....mus Onlme 9|:- P.o. Box 2121 Warren, MI 48090m Call (877)-898-5001 Hours of Operation: M - Fri: 8:003rn - 7:30pm EST Sat; Closed Sun: Closed PLEASE SEE REVERSE SIDE FOR IMPORTANT DISCLOSURE INFORMATION"""""""""""""""" Pie'is'e't'ehfiffi aia'r'e’tfiFfi io'u'réF b&hv‘éfi‘fiftfi‘iiirfiéfif in- ifie‘ Ehééfib'e‘fifdfiééé‘ ‘ ‘ ‘ - ' ' ’ ' 'n ’ - ' ' _ ' ' ' ' ' ' ‘ ' ' ’ ' ' PAYMENT CERTI FICATE Internal Legal Account Number: 21-47367 Payment Options: Original Account Number: XXXXXXXXXXXXXX9124 1) pay by phone; (377)-393-5001 current 33'3"“: 53730-46 2) Mail in this certificate with your payment and Amount Endmm: $----- make check payable to: Midland Credit Alfonso Quintana Management, InC- 3828 7 Trees Blvd Ste 100 San Jose, CA 95111-4485 @IE. 9.0. Box 2121 Warren, M1 48090 PRE_002 GL_O702G 21 -47367 IMPORTANT DISCLOSURE INFORMATION: Please understand this is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Calls to and/or from this company may be monitored or recorded. MAIL PAYMENTS T0: P.0. Box 2121 Warren, Ml 48090 MAIL CORRESPONDEQQE T0: P.O. Box 2121, Warren, MI 48090 We are required under state 1aw to notify consumers of the following additional rights. This list does not contain a complete list of the rights consumers have under applicable law: IF YOU LIVE IN CALIFORNIA, THIS APPLIES T0 YOU: Cafifornia Code of Civil Procedure §1033(b)(2) requires us to notify you that in the event of legal proceedings, such legal proceedings could result in a judgment against you that could include court costs and necessary disbursements under applicable law, if Midland Credit Management, Inc. is found to be legally entitled to the same. PRE_002 GL_O702G 2 1-47367 PAGE .1 0F 4 Summary of account‘a‘ctivity Paymenl-information; Account no. “'“-"“-"“-9124 New balance 33.73046 Minimum payment due $740.00 Previous balance $3622.27 Payment due daie 07/10/2020 Payments 0 00 . Olher Owns O_oo Late payment warning: lf we do not receive your minimum payment by 07/1012020 you mayP , 0‘00 Orgfadfbsns o 00 have to pay up 10 a $39.00 late fee. Gas“ advance ° 0° Minimum payment warning: II you make only the minimum Egfixfigggzie’ 3332 payment tor each period. you wlll pay more In lnte‘esl and it wIII take ‘ u Ion eno a ofl our balances. For exam e: Interest charged 69‘ 19 yo g p y y pl New balance $3130.46 lf you make no ldditlonal You will pay oll And you will charges using thls card the balance shown end up paying an Pa“ due amount 534-00 and each month you pay: on the slabment estimabd blal Credit Iimn $3,000.00 in about: of: Available credit $0.00 OnIy the minimum payment 14 years $9310 iszgaggzdg‘agfi“ :g'gg For Informallon regardlng credit counsellng se-vlces. Siatement closing date 06/14/2020 ca" '"mzm'flos' Days in billing cycle 30 Skip Signing in to pay and use Comenfly’s EasyPay. It‘s safe and convenient. Use your smadphone camera or code reader Io scan the OF! code printed on your payment stub below to gel started. E Details 0f your transactions mus Dar: Tmnsncnon uescmfirlomLochIou AMOUNT Fees 06/10/2020 LATE FEE 39.00 Tolal fees. charged for this period $39.00 Interest charged Interest charge on purchases $59.19 Interest charge on cash advance $0.00 [nlerest charge on balance transfer 50.00 Total inmest for this perlod $69.19 2020 lolals year to date Total lees charged In 2020 $234.00 To‘al Interest charged In 2020 $405.32 Interest charge calculation You.- Annual Percentage Rate (APR) is the annual interest rate on your account See BALANCE COMPUTATION MErHOD on page 2 for more details Minimum interesk cha'ge may exceed inle'est charge below. pe' your credii card agreement. TYPE OF BALANCE SUBJECT INTEREST BALANOE Man To lurenasr MATE amass Pumhases 22.990096 (V) 3.552.05 89.19 Cash advances 24.9900% (V) 0.00 0.00 Additional imporlam messages Mfected by COVID-ie? Comenlw Capital Bank Offers Support [CONTINUEm _ -____ _____ _____-__________---.. ??PPPEEQE'Y'JE’flsjdeP'JTm":l.”[°_"?3'l.°f'; _______________________________________ Accountm wmagr IEEI-h..l_‘..l_9124w New balance J Vlinimum aaymeru TOYOTA $34,730.43 $740.00 - Payment mus! reach us by Egg'aill Eggfieggyesgeo:gvpedrasteed my Amunl enclosed: 6 pm ET 0n 07/1 0/2020. Please make check payab1e to: COMENITY - Toyota Rewards Wsa IIIIIIIIIIIIIIIIllI"IllIII|II|lullII'll[llzllllllllsllllmlllll Please return mis portion along th your paymentto:ALFONso QUINTANA 4300 THEwoons DR APT 301 PO BOX 659820 SAN Jose CA 95136-3875 SAN ANTONIO TX 78265-9120 'h"I--u“'ull"III-IIIIIII-"Il'wluul'-ll|"|u---||II"II- 0203400004864 00000000 ubbmnm nnunsuva -a1.eu nnumuuun unmannua GL_07OZG 2 1 -47367 Keep mis ponlnn for your recotds. What fa Do ff You mink You Find A Mistake 0n Your Shremenr I! you think mare i< an nrmr on ynur unfamenf wrira Ir) us a JIMmly Capil 3ank.l‘0 Bux 182520. Columbus. Ohio 43215 2520 Invqu lcuc. fiiw Ls the luilomm: inlulmallon. inflm'irm: Ymr name and accmn: number. ammunl: I m rJrJ-lla: amuunl u! ll": 51501::le crux. 'mn n! thlem- ll you lninK there ls an errorm yr-ur hill d;sc'ibe W13! ynu believe rs wmng and whyym Mliem ir ik a mimm. Yn--I must ammo! us wiIhi‘n 60 days after the eirm swayedm ymr slalcxuu-l. ‘(uu Imul mlily us ul ally polanl‘ml onus v'lI writing. You may :zall us. nur i. you m we are mt required rn mwigale an; JMe-K'ml e m’x 3nd you .my have In pay me amount in question Whii? «a incestigale meme. nr rm! thew has man an nrrnr the following am MA. - W2 nannnl try m cnllem the amount in questinn. m rapm ym 3.x dclinnucnl un Lhal 'anmunl. v Th: :fwgfl in question may remain an your siatamnnr, Md we nay cont uc lu charm; you inmost 0n lhal amuunl. Bul, il aw: dubymiw: lhal a mistake. yw will nm have Io pay the alumni in mmsrfm n- ame i-anucsl u: ulnur Ices related lo lhal amuunl. v V‘mlla yum da nm have to pay ma ammnc in quesfinn. ynJ am wswnsiblu 1m Um mmaiudcr ul your blalanw. ' We can apply any unpaid amnuni against ynur credit Ii-nit Your Rights I! YouAre Dissatisfied With Your Credit Card Purchaws. Ir you aro dlgahsfied with mp gm: nr semices lhaa you have mrmased with yam cmdil card and ynu have tried In gmd faith mmm ha p ohlen win ha merchant, ynu may have lhe right nm ro nay r19 lemming a-m m: rtu?m the mmhme Tn use this ugh! alt nf the fnllnwi'vg must he lua- 1 1m: ugmnam must have Dunn madl: In Yul" “0"": Bic 0' Wihlll NO milus u! yuur curmnlmaili'nn aduruss. and lhu pun = mice lusl lav: bean mnrt- Iran $50 (N. Nairnemf mess i\ rates ry ii ymrr purchase was based on a: I u-Jvcrliwmnlm mailed klyuu. or il v.1. k'n l1: -mnuu Iv hai sum mu Lhc [goods 1x services) 9. You mus! have used your credit cam for 1he purchase. Per, \viln cash advances from an ATM 0r wich a check That accesses; . cam account rln ml quality. made xrdit s,mu nus! ml yet mm: lully paid lut ll": purchase, l‘ all 9i the criteria ahrm an: met and you are «rill diuari‘figd with the pm: raga. ‘ Iild 11 I". t. ‘al: Cu nu. Illy' Cdoilal Bank. l ) But 182E220. Chln-‘nmn nnin 4.17 l R-76m. ‘ malinalu. lhv: samr: rules apply lo Inc dis \ul' "J a'noml 45 above. Allurwc linish uul xrwuslinuliun. ' 'I | hull vuuux J.m.- .Al [hat puinl, il m: lhink you 0v I; an amount a'lzl v04 :10 ‘1‘!» 2m v.1- may rcumlyuu as dulinuucvll. PAYING INTQEST. Your due am; s: al least 25 days 411C: ll": clw: 0| cash hlllng :tynla We wull mt clwgn you Inlelasl rm numham: nf ymx :uayyml' .bnrim haiance w me due date each month We will Mgin marvj-Ig inmesr an halarm transfers and canh advances on Hm hansatrim 13:5 We will begin lg charge inlerey on new purchases made undal a | .Jw A91. '.1.Ja| °aymant 9r nudge? Payment (MI? Plan 1mm lha dark nf p Imus:- BALANCE mMPUTaTION METHOD "u’e calculate inlerest qppamrely [or sash type ul ualancc L'-n youx_accuunl usurp, a "Lailv Ba' uunl by auvlvirx: {ha uariédic rah: k- I‘hu “daily :valaluw" ul Io: cad: flay In Nu: {ullmn cvulu. lo :ch lhv' “daily bala lake lhc‘ :uinninn balamcul v‘uu1 accuuni r."a'. 'I 'J'dv- 9M puma and Ices. and submit. l any pawncnls ur urzdil x :wfil oalanw as a mm llalanclz). Ihis nivcs us (ht: d'atly la , any 'Ici d1.-. PAVMENTS. ‘ 'r may ml be cmdiluu lo yum Muuunl Iur up lu live days. u mav bv your fluuunlm lhl: vaymunl dur: dale by Lhc time lisl" ' ' ‘ ' . L41, M54. CREDIT REPORIING. We rmy rapml minr‘maiinn abnul ynn‘r account m :xcdil bumaus. Lalo paynwnls. missed paymrmls. w ohm dclaJlls 0‘1 yuu' ausuunl may bc wlluclcd in vom mcdil rcporl. NOTICE OF CREDIT REPORT DISPUTES. l: you uulich lllL' rcuunl infatuation we Ieported m a consumer reporting agernrn'. Is :u ale yo: may suamn a dim! dispute to (Zamniiy Capiml Ram. P0 Box |87| 70. Cnhmmn. Onia 4.1? | 3-?1 ?0. Your wrinen dixnum szr :nwida sufficnmr information m idmlify :he acrmnt and specify why the hfn‘nwio-I Ix Imrcurate. ' Account Information: \‘bu! name am! at&tuunl numbcl ' Contacl Infotmation: Yamamimes andtelephom‘. number ‘ Disputed Intonation. ldznlilv the account inlbrmalibn diwutcd and amlain why vuu believe il is inaccurate ‘ Supporting Dpcumenlation: It available. provide a cum ul llx: section LII [Ms credit rL'pu'l suuwiru- Ur: auwunt inlunnalibn you arc :lisaulim- Wt: will itwcsluzulc. Lm- diwulcd inluundl‘lun dud tumult I: Icsnlls luyuu .vilrtin 3O days 01 muciuk 01 lhc mlummliun mudcd Iu nu irmslugalim. II w: li'nu lhaL lhc acwuul iniumlallun wc 1::poclm1 Is ilmalau. w.- wili npllv wwidc tho nchssary conccliw lo cash cutmrml 'upo li'v: a,:.-ncv lu which n: wooded lhc inlumraliun. PAYMENTS MARKED 'PAID IN FULL' All wrillcvl uomlnunlcal‘luvls n:nardinn displma.d amounts that inr. Iuda any cheek or other paymem imtr.1mm? mark d with “payment in full" nr similar language mm J9 ‘an:no nSBD Norm :op I604 Fast Suite IOI San AntonthX 78?47-5004. '7') )T NSF THI' I'NCR DSFD RFMITTAMEF FNVFI OPI’. a my accem {figment sent m any other address withur lash; any n! IJ.’ rights - No paymem shall operate 33 an anrnni and snlisfanrin withm rm written appn‘ual CUSTOM ER SERVICE. Visit cnmeulty.llemoyotamwardsvlsa nr call 1 2V '1 211 289t- (Iuyuta Rewards Wsa‘ald] ur 1 B‘M 2/1 2/04 LIWOL! 'hwrdtds Visa Sluttalure (hill) (IL‘L‘H IV 1 888 819 WIS) TELEHONE MONII’ORING. In urwizk: vuu win: hint: uualily service. p‘ame conuuunin-atim with us is mnnimrpd andInr Ienrded ADmTlONAL INFORMATION The fnllnwing dasugnatinns when appearing un lhc Ironlul yuur- slatulncut. ”luau er: lolluhalnu: V Hum v‘m‘la II; ml: (lhisratr: may vary): W'v' INI I‘AYRQnmans WAIVtINttNLSI. ’MMtNi ?lzflUl‘tiL‘q WVINI Lu I’Y mean: WMV‘; lNItlthl. tQUA- l’AY‘.1;V|:WV IN! LOW I‘M] numns WMVhINltIlESI. LUWI'AYMLNI:DK' lNl I’Y (11 means L‘th 't INIthSI. I’MMENI REQUIRE): L3H- l‘ll :1) '7 li:h’ls -):‘-tll INIthSI. tQUAL l’AYMtNI. Dl- lNl LOW? 1| w:a1s)-.-LR INIEIIESI. LOWI'AYMENI and LOW Al’ll t(AI’AYmca UWAI’R. LQUA- ’1" 'MhNI. || you haw.- a van’ablc ralc account. vow 'rlodi: [alas may Valv- Yuu lnav Dav all ul you: Accuuul balanmat any lmu: Hilhwl malty. Send all inquirics lo: CUSIUMER SERVICE, PD Bax [83003. Columbus, Ohm 432l8-3003. Send all bankruptcy notices and related canespondence to: Cnnueulty Capital Bank. Bankruptcy Department. P0 Box 183043. Columbus. Ohio 43218-3043 NOTICE ABOUY ELECIRONIC CH EEK CONVERSiON. When vuu provide a rhaj‘ a paymnnf. ym! amhnri» In wither tn use inform check tn make a nne-rime elecrmmr. lund Iramfarfmm ya nmrr Ina mymanfm a thank transaction Whanw Im nfnmaiun r'nm heck rn make an elecrmnir. lund llansfar. funds may he wirhdmm - your account as smn a< lhe ‘ame day we Innawa yn.Jr naymfim. and ynu 'will 1m ‘era. ma your check hack from you: financial insrir-Jrim .‘v- you pay m Il I I a :mufl lurmal(oul|inr:d below) il pu pay.“ml m vach .15 by lhc [mm al uulull lime that applies lo ma pavmenl method ynuselem. This nard'Is ixsued m :mnwnily Lanna] 1am :nr um! r9 a lirmse.fmm Visa .l. SA. In; Visa is a registered lrademalk n! Visa U.S.A Inc. Comet Fotmat. Quad tunnel lo: IJillcr-znl paylmnl rmlhods imluth. Malling o: OvernlgmhSaM a perm clip vum .aymcnl lu lhc slub ierudc your au‘uunl nu'n ul 01 yw' 1‘lr payment mun and do nm send any cnrfaxpnnrlenca wirlI ymr payment Anton IX l824/ 5001 and llma 'liuual Imnpal mum".‘ '~ l u: "a:vmcnls.Marked ‘l‘ald ir ' (cvrar-ls Visa Cannot l 81- uII s: ‘ 2/1 2/01 (Iwula llewalrls W531 a mlchack money om” traveler'srham nrmzhra"~ :Mm nyahlp n Ls. dollar: mm:mm and addrcrsMn nn MK Starbmam In me paymam «uh arm; mmainlng ymr 'rahnce 31:1 11mm” aympnr amrmv Be s.1m tn include your paymmr «uh. do not flapln ur m-lu;v- pewivaI wil‘l you: SiaLL-mcnl, send ow. pavnmnl .iilh one .xa oaymnnt m 65.0NmTh I504 Fast Suits Iol San mall4'1 aaymans unlussl lure is a di'soulc. m ihich case vou lvllm; -Yw call call us Loll Imc. al 1 8M 2/] 2695(lovvlavllfiw 'J) (ll )J/I IY 1 haggawe1918) lu Inalu: a pmmcnl by lclcwuuu. Much mall incl: alt: a I-w. Onliac: You :‘an maw a Daymunl unlim: 'ul comenity nelltoyolarc uardsvisa. Payment Cum“ Times. Payment culnff rim? x1. lulln-vim- limes: Mailing and meight: - lines for us m mcaive payment». am :ry mp :1.m .1319 r-n this Slate "a 1i i=1 me my lien! stub area Hr "1° n tasL-m Iurv: (H): Pay 5y Phone. 5y 8.m 9m hasten: lime {tlJ- Online: $1 8.00 Ll'u i'. New Infoimaflou True (optional) Fnsl Name MI Last Name ,__ ,_ Sac. Sec. No. Slree1 Addie» V l Apt. No. _"_ “M m" RR PO Box CItY __ - _ -. . . State Zap Code Foreign Map Code Horne Phone _ _ _ Work Phone Email Addmhk GL_O702G 2 1-47367 PAGE a 0F 4 Addilional important messages - continued As the bank that manages your credlt card, our hearts go out to those affected by the coronavlrus (COVlD-1 9) pandemic. The support we're extending to you. 1f you’re experiencing financial hardship because ol COVID-19. please call 1-844-271-2695 (TDD/l’TY: 1-888-819-1 918) to discuss how we may be able to help Account Center ls avallable 24/7 tor you to manage your Toyota Rewards Vlsa account online. You can make payments and view your balance. transaclions and statements onllne. Not yet ragislered? Visit comenilynemoyotarewardsvisa, 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 welI-be'ing of our customers and associates. and we'll continue lo stay on top of what's happening during the pandemic so we can best support you. Important Reminder: If you make a purchase with Ihts credit card using a promotional plan. the promotional plan expiraiion 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, lhe balance and any accrued interest (if applicable)._ will move lo your regular revolving plan on lhe next bilfing statement. How to avoid or minimize interest charges: Be sure lo pay any promotional plan balance in full on or before lhe plan explratlon date shown In the “Detaiis of your plans” section of your statement. P_laase also keep an eye out tor notifications of when your promotional plan(s) are nearing their expiration data-you'll see them in lhe red box on page 1 of your stalement. ll you have questions, please call us ioll-free at 1-844-271-2695 (TDD/TTYzl-BSB-B1 9-191 8). To learn more about how promotionai plans work, E visit comenity.com/financial-educallon. We‘re always happy to help. IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and wlll be written off as a bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this statement before the end of thls month. If you are not able to pay lhe Minimum Payment amount. We Will still be able lo assist you and prevent your account from being written olf. Call us at 1-855-617-8089 (TDD/TTY 1-888-81 9-1918) and we wlll find a suitable payment before the end of this month. If written off! lhe bad debt will be reported to the three major credit bureaus and our Recovery learn will delermine the appropriate steps, as permuted and avaliabla under applicable law. to protect our Interests. Federal law requires us to provide the lollowing notice: We may report infomation about your account lo credit bureaus Late payments, missed payments or other dafaults on your account may be reflected in your credit report. How can you lake charge against ID Theft? Visit idlheft gov to find out. OJDMOOOOJBSJ M00 0000 ubhnlnm nnnnswu -'11.al+ nunmunuu uuuanuub GL_0702G 2 1 -47367
