Complaint Limited 10K and 25KCal. Super. - 6th Dist.May 4, 2021\OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO E-FILED 5/4/2021 7:33 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 352 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: Absolute Resolutions Investments, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SANTA CLARA - LIMITED Absolute Resolutions Investments, LLC, Case N0. 21 CV381 352 Plaintiff, COMPLAINT FOR: VS. 1. ACCOUNT STATED DERRICK FANCHER, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $12,331.80 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, Absolute Resolutions Investments, LLC, and successor in interest to original creditor, U.S. Bank National Association. 2.P1aintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Absolute Resolutions Investments, LLC 8000 Norman Center Drive Suite 350 Bloomington MN 55437. 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 U.S. BANK NATIONAL ASSOCIATION, 60 LIVINGSTONE AVE ST. PAUL, MN 55107, and the account number associated With this debt is XXXXXXXXXXXX5766. 5.Plaintiff 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 DERRICK FANCHER, 851 ROBERTS PL , SAN JOSE, CA 95122-3845. 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, U.S. Bank National Association or made such application over the telephone or Internet. Pursuant to the aforementioned application, U.S. Bank National Association provided Defendant with a credit account, and granted use privileges 0n the same, account number XXXXXXXXXXXX5766 (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 U.S. Bank National Association 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 U.S. Bank National Association 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 May 16, 2020. 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 $12,33 1 .80, 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 $12,33 1 .80. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Up0n information and belief, U.S. Bank National Association 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 0f the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account with U.S. Bank National Association, the Defendant(s) agree to reimburse U.S. Bank National Association, and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required to COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO retain Mandarich Law Group, LLP to pursue collection of the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $12,33 1 .80 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.P1aintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by U.S. Bank National Association. Although demand has been made upon Defendant, said amount 0f $12,33 1 .80 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \DOOQQUI-bUJNH NNNNNNNNNr-tr-KHt-KHHHHr-tr-t OOQONUIAUJNHOKDOOQQUI-PUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $12,331.80, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount of this Court. Dated: 05/03/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 flmzfl/m / [X] Amber Swearingen-Ojuri, Esq. Attorneysfor Plaintifl” EXHIBIT A Ebanka May 2020 Statement Open Date: 04/18/2020 Closing Date: 05/19/2020 Page 1 of 3 Account:- 5766 U.S. Bank Platinum Visa® Card Cardmember Service c- DERRICK FANCHER BNK 25 U32 12 Activity Summary Previous Balance $1 1 298.93 Payments $1 ,005.00CR Other Credits $0.00 Purchases $0.00 Balance Transfers $0.00 Advances $0.00 M_ _ P w _ _ If k I th , , Other Debits $0.00 pgcg'zmazzrgrsd :gs'xm-mm:iazrgestzwm Charged woo take you longer to pay off your balance. For example: IntereSt Charged $23500 If you make no You will pay off And you will New Balance $1o’528'93 additional charges the balance shown end up paying Past Due 50-00 using this card and on this statement an estimated Minimum Payment Due $338.00 each 3;??? you In about... total of... Credit Line $1 1 ’000-00 Only the minimum 16 years $27,352 Avallaple _C_redlt _ $471 '07 payment Days In BIIIIng Pernod 32 $413 3 years $14,868 (Savings=$12,484) If you would like information about credit counseling services, call -. Payment W Mail payment coupon Options: ’ {A with a check Pay online at\Q usbank.com ‘I-Pay by phone Pay at your local/\ U.S.Bankbranch No payment is required. @bank 24-Hour Cardmember Service:- ‘I . to pay by phone I . to change your address 000037721 01 SP 000638468162043 P Y DERRICK FANCHER 3350 MIRA VISTA CIR SAN JOSE CA 95132-3121 Automatic Payment Account Number: - 5766 An automatic payment of $338.00 will be deducted from your account on 06/1 6/20. If you choose to make additional payments please write your account number on your check and mail to: U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 What To Do If You Think You Find A Mistake 0n Your Statement If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335. |n your letter or call, give us the following information: b Account information: Your name and account number. b Dollar amount: The dollar amount of the suspected error. b Description ofProblem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error, the following are true: b We cannot try to collect the amount in question, or report you as delinquent on that amount. b The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. b While you do not have to pay the amount in question, you are responsible for the remainder of your balance. b We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right 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 if we 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. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335 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, if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or credits applied against yourAccount balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.To the extent credit insurance charges, overlimit fees, Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. We will also accept payment in U.S. Dollars via the Internet or phone or previously established automatic payment transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. However, you will be charged and agree to pay any collection fees required in connection with such a transaction. The date you mail a payment is different than the date we receive that payment. The payment date is the day we receive your check or money order at U.S. Bank National Association, P.O. Box 790408, St. Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within 5 banking days of receipt and credited to yourAccount on the day of receipt. |n addition, if you mail your payment without a payment coupon or to an incorrect address, it may result in a delayed credit to yourAccount, additional INTEREST CHARGES, fees, and possible suspension of your Account. Internet and telephone payment options are available, and crediting times vary (but generally must be made before 5:00 p.m. CT to 8 p.m. CT depending on what day and how the payment is made). If you are making an internet or telephone payment, please contact Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the day of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date. 3. Credit Reporting: We may report information on yourAccount to Credit Bureaus. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. Ebanka May 2020 Statement 04/18/2020 - 05/19/2020 Page 2 of 3 DERRICK FANCHER CardmemberService c- Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the Payment Due Date shown on the front of your monthly Account statement. There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers except as provided in any Offer Materials. Those transactions are subject to interest from the date they post to the Account until the date they are paid in full. If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your name, address, phone number, account number, the specific information you are disputing, the explanation of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to: U.S. Bank National Association Consumer Recovery Department Attn: CBR Disputes P.O. Box 108 St Louis, MO 63166-0108 Your payment of $338.00 will be automatically deducted from your bank account on 06/16/2020. Please refer to your AutoPay Terms and Conditions for further information regarding this account feature. Understanding credit - what it is, how to build it and improve it - is essential to reaching your key financial goals like getting a loan or buying a house. Your credit score plays a big part. Learn the do's and don'ts so can you maintain good credit habits at usbank.com/establishcredit. Payments and Other Credits Post Trans Date Date Ref # Transaction Description Amount 05/18 05/16 MTC PAYMENT THANK YOU $1 ,005.OOCR TOTAL THIS PERIOD $1 ,005.00CR Fees Post Trans Date Date Ref # Transaction Description Amount 05/19 ANNUAL MEMBERSHIP FEE $0.00 TOTAL FEES THIS PERIOD $0.00 Interest Charged Post Date Transaction Description Amount 05/19 INTEREST CHARGE ON PURCHASES $235.00 TOTAL INTEREST THIS PERIOD $235.00 2020 Totais Year-to-Date Total Fees Charged in 2020 $0.00 Total Interest Charged in 2020 $1 ,143.57 Continued on Next Page Ebanka May 2020 Statement 04/18/2020 - 05/19/2020 Page 3 of 3 DERRICK FANCHER CardmemberService c- Your Annual Percentage Rate (APR) is the annual interest rate on your account. **APR for current and future transactions. Balance Annual Expires Balance Subject to Interest Percentage with Balance Type By Type Interest Rate Variable Charge Rate Statement **BALANCE TRANSFER $0.00 $0.00 YES $0.00 23.99% **PURCHASES $10,528.93 $1 1 ,173.30 YES $235.00 23.99% **ADVANCES $0.00 $0.00 YES $0.00 23.99% ' Phone Questions W Mail payment coupon Online " ® M with a check \Q Voice:- Cardmember Service U.S. Bank usbank.com TDD: P.O. Box 6352 P.O. Box 790408 Fax: Fargo, ND 581 25-6352 St. Louis, MO 63179-0408 End of Statement DERRICK FANCHER Skip the Mailbox. Switch to e-statements and securely access our statements online. Enroll in the Mobile App: g9 to Statements& ocs>Paper|ess Preferences or log in at usbank.com: c Ick My Documents>Paperless Preferences To learn more go to usbank.comlpaperless EXHIBIT B Ebanka December 2020 Statement Open Date: 11/20/2020 Closing Date: 12/17/2020 U.S. Bank Platinum Visa® Card Page 1 of 2 Account:- 5766 CardmemberService c- DERRICK FANCHER BNK 25 U32 12 Activity Summary Previous Balance + $12,108.96 Payments $0.00 Other Credits $0.00 Purchases $0.00 Balance Transfers $0.00 Advances $0.00 _ _ _ _ _ Other Debits $0.00 Mlnlmum Payment Warning: If you make only the mInImum Fees Charged $0 00 payment each period, you will pay more in interest and it will ' take you longer to pay off your balance. For example: IntereSt Charged + fl If you make no You will pay off And you will New Balance = $12’331 '80 additional charges the balance shown end up paying Past Due 32590-00 using this card and on this statement an estimated Minimum Payment Due $2,934.00 each g?nth you In about... total of... Credit Line $1 1 ’000-00 . Available Credit NoneO | th 15 27,582 _ _nypaigmmum years $ Days in Billing Period 28 $483 3 years $17,414 (Savings=$1 0, 1 68) If you would like information about credit counseling services, call -. Payment Options: Mail payment coupon with a checkKW \Q Pay online atusbank.com Pay at your local| Pay by phone‘- / \ U.S. Bank branch Please detach and send coupon with check payable to: U.S. Bank @bank Account Number - 5766 Payment Due Date 1/1 6/2021 24-Hour Cardmember Service:- New Balance $12,331 .80 Minimum Payment Due $2,934.00 ‘I . to pay by phone I . to change your address Amount Enclosed $ 000033479 01 SP 000638669527971 P Y DERRICK FANCHER 851 ROBERTS PL SAN JOSE CA 95122-3845 U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 What To Do If You Think You Find A Mistake 0n Your Statement If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335. |n your letter or call, give us the following information: b Account information: Your name and account number. b Dollar amount: The dollar amount of the suspected error. b Description ofProblem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error, the following are true: b We cannot try to collect the amount in question, or report you as delinquent on that amount. b The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. b While you do not have to pay the amount in question, you are responsible for the remainder of your balance. b We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right 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 if we 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. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335 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, if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or credits applied against yourAccount balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.To the extent credit insurance charges, overlimit fees, Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. We will also accept payment in U.S. Dollars via the Internet or phone or previously established automatic payment transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. However, you will be charged and agree to pay any collection fees required in connection with such a transaction. The date you mail a payment is different than the date we receive that payment. The payment date is the day we receive your check or money order at U.S. Bank National Association, P.O. Box 790408, St. Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within 5 banking days of receipt and credited to yourAccount on the day of receipt. |n addition, if you mail your payment without a payment coupon or to an incorrect address, it may result in a delayed credit to yourAccount, additional INTEREST CHARGES, fees, and possible suspension of your Account. Internet and telephone payment options are available, and crediting times vary (but generally must be made before 5:00 p.m. CT to 8 p.m. CT depending on what day and how the payment is made). If you are making an internet or telephone payment, please contact Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the day of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date. 3. Credit Reporting: We may report information on yourAccount to Credit Bureaus. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. Ebanka December 2020 Statement 11/20/2020 - 12/1 7/2020 Page 2 of 2 DERRICK FANCHER Caramember Service c 1-800-285-8585 Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the Payment Due Date shown on the front of your monthly Account statement. There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers except as provided in any Offer Materials. Those transactions are subject to interest from the date they post to the Account until the date they are paid in full. If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your name, address, phone number, account number, the specific information you are disputing, the explanation of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to: U.S. Bank National Association Consumer Recovery Department Attn: CBR Disputes P.O. Box 108 St Louis, MO 63166-0108 Your account is seriously past due. We have very attractive settlement and reduced interest/payment programs. We urge you to call us at 1-877-838-4346. Interest Charged Post Date Transaction Description Amount 12/17 INTEREST CHARGE 0N PURCHASES $222.84 TOTAL INTEREST THIS PERIOD $222.84 2020 Totais Year-to-Date Total Fees Charged in 2020 $229.00 Total Interest Charged in 2020 $2,717.44 Your Annual Percentage Rate (APR) is the annual interest rate on your account. **APR for current and future transactions. Balance Annual Expires Balance Subject to Interest Percentage with Balance Type By Type Interest Rate Variable Charge Rate Statement **BALANCE TRANSFER $0.00 $0.00 YES $0.00 23.99% **PURCHASES $12,331 .80 $12,108.96 YES $222.84 23.99% **ADVANCES $0.00 $0.00 YES $0.00 23.99% End of Statement
