Complaint Limited Up to 10K

Cal. Super. - 6th Dist.May 4, 2021

E-FILED 5/4/2021 7:40 AM Clerk of Court Superior Court of CA, County of Santa Clara 21CV381371 Reviewed By: R. Guillermo 21CV381371 JACK H. POGOSIAN, State Bar N0.: 305741 MANASI TAHILIANI, State Bar N0.: 272821 1 CHRISTINA ARNOLD, State Bar N0.: 297590 2 HYO JIN JULIA JUNG, State Bar N0.: 316090 MELINE GRIGORYAN, State Bar N0.: 321 133 3 MICHAEL D. KAHN, State Bar N0.: 236898 CAMRYN P. BERK, State Bar N0.: 3 17565 4 350 CAMINO DE LA REINA, SUITE 100 5 SAN DIEGO, CA 92108 Telephone: (866) 300-8750 6 Facsimile: (858) 309-1588 Attorneys for Plaintiff 7 SUPERIOR COURT OF CALIFORNIA 8 COUNTY 0F SANTA CLARA 9 DOWNTOWN SUPERIOR COURT 10 MIDLAND FUNDING LLC Case No. 1 1 Plaintiff, COMPLAINT FOR: 12 vs. (1) Account Stated l3 ASHLEY ADKINS; PRAYER AMT: $1,907.96 and DOES I through 10, inclusive LIMITED 14 Defendant. 15 MIDLAND FUNDING LLC, ("Plaintiff"), by counsel, sues ASHLEY ADKINS, (“Defendant”) under Account Stated and in support thereof states: 16 l. Plaintiff is authorized t0 do business in CALIFORNIA, with its principal place 0f business at 350 17 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff owns portfolios 0f 18 consumer receivables, which it attempts t0 collect. Plaintiff strives to treat its consumers, such as 19 Defendant, with respect, compassion and integrity, hoping t0 provide mutually-beneficial opportunities for consumers t0 repay their debts and attain financial recovery. 2O 2. Defendant is a resident 0f SANTA CLARA County, State 0f California and is subject t0 this 2] Court’ s jurisdiction. 22 3. Plaintiff is unaware 0f the true names and capacities 0f Defendants sued by the fictitious names 23 DOES 1 through 10. Plaintiff will ask leave 0f court t0 amend this complaint as and when the true names and capacities of Defendants named herein as DOES l through 10 have been 24 ascertained. 25 Pursuant to California Civil Code (“CA CIVIL”) §1788.58(a)(1)-(9), Plaintiff alleges: 26 4. Plaintiff is a debt buyer as defined by CA CIVIL §1788.50(a). 27 28 -1- COMPLAINT CA_OI3ZG File N0.: 18-277447 .5 \]O\Ul 10 11 l3 14 15 16 1,7 18 19 20 21 22 23 24 25 26 27 28 10. 11. 13. Defendant established a credit account (the “Account”) with COMENITY CAPITAL BANK. The amount Clue is the result 0f transactions that occurred 0n the Account. Defendant was provided statements evidencing Defendant’s use 0f the Account and the balance due. Defendant failed t0 make the required payments and subsequently defaulted 0n the Account 0n January 18, 2017. Thereafter, Plaintiff was assigned all rights, title, and interest in the Account. Plaintiff is the sole owner of the debt. Attached as Exhibit A is a true and correct copy 0f the Bill 0f Sale from COMENITY CAPITAL BANK, t0 Plaintiff. The Account was purchased by Plaintiff 0n August 31, 2017. The Account balance at the time 0f Charge-Off was $1,907.96. Plaintiff alleges that the date 0f default is January 18, 2017 and the date 0f the last payment was June 26, 2017. 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 of 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 XXXXXXXX-XX-SSBS. The name 0f the debtor as it appeared in the records 0f COMENITY CAPITAL BANK is ASHLEY ADKINS and the last known address as it appeared in the records 0f COMENITY CAPITAL BANK is 3 1 02 LEAF LN AUSTIN TX 78759. The name and address 0f all post charge-off purchasers 0f the debt are as follows: Name Address MIDLAND FUNDING LLC 350 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108 Plaintiff has complied with the provisions 0f CA CIVIL §1788.52. Plaintiff informed Defendant 0f the assignment 0f the Account. Pursuant t0 CA CIVIL §1788.58(b), attached as Exhibit B is a true and correct copy of a monthly statement recording a purchase transaction, payment, 0r 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 t0 Defendant stating the balance due 0n the Account at 0r around the time of charge-Off. 7 CA_013ZG File N0.: 18-277447 COMPLAINT #UJN QONUI 10 11 12 13 14 15 16 17 1.8 19 20 21 22 23 24 25 26 27 28 l4. 15. 16. 17. 18. 20. 2]. 22. Plaintiff acquired all right, title, and interest t0 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 t0 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 0f payment options. The majority 0f Plaintiff‘s consumers ignore calls 0r letters, and some simply refuse t0 repay their obligations. When this happens, Plaintiff must decide whether t0 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 t0 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 § 1,033(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 t0 repay COMENITY CAPITAL BANK. Within the last four years, Defendant became indebted 0n the Account. On the Account, a balance 0f $1,907.96 was stated to be due t0 COMENITY CAPITAL BANK from Defendant. Plaintiff has no record 0f Defendant objecting t0 the balance due. Before the commencement 0f 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 0f the Account, but Defendant has failed t0 pay the balance due. The current balance presently due and owing is $1,907.96 which includes payments, set- Offs, credits 0r allowances, if any, at or after Charge-off. ’g CA_OI32G File N0.: 18-277447 COMPLAINT 4h \lO‘xU} 10 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 WHEREFORE, Plaintiff requests judgment against Defendant for $1,907.96, 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: April 19, 2021 MIDLAND FUNDING LLC D JACK H. POGOSIAN D MANASI TAHILIANI D HYO JIN JULIA JUNG D MELINE GRIGORYAN D CHRISTINA ARNOLD D MICHAEL D. KAHN MRYN P. BERK 4 COMPLAINT CA40132G File N0.: 18-277447 EXHIBIT A AA_01 25 File N0.: 18-277447 EXHIBKT A BILL OF SALE Comenity Capital Bank (“Seller”), for value received and pursuant t0 the terms and conditions of Credit Card Account Purchase Agreement dated May 16, 2017 between Seller and Midland Funding LLC (“Purchaser”), its successors and assigns (“Credit Card Account Purchase Agreement”), hereby assigns effective as of the Closing Date ofAugust 31, 2017 all rights, title and interest 0f Sellar in and to those Charged-off Accounts described in Exhibit 1 (Asset Schedule) attached hereto and made part hereof for all purposes. The information contained in the Sale File (collectively, “Seller’s Accounts Information”) is true and complete as 0f the Closing 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. A11 0f Seller’s Accounts Information has been kept in the regular course of Seller’s business, and was made or compiled at or near the time 0f the event and recorded by (0r from infomation 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. Amounts due t0 Seller by Purchaser hereunder shall be paid in U.S. Dollars by a wire transfer t0 be received by Seller 0n August 31, 2017 (the “Closing Date”) by 5:30 pm. Eastern Time, as follows: This Bill 0f Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement t0 Which this is an Exhibit. No other representation 0f 0r warranty 0f title or enforceability is expressed or implied. CGME’QITY CAPITAL BANK MIDLAND FUNDENG LLC 2 i By: W” z :5 \YZ‘ULW: By: a.gmx N C Date: g"“\XV \‘1 1Q Date: Cg 3E3? 3:6}? . Title:_._§pg§1a%¥ ’ . Tide §‘JP,..,.;EM$3M§5 Dev. EMIBET 1 TO BILL OF SALE ASSET SCHEBULE The individual Charged-off Accounts transferred pursuant to the Credit Card Account Purchase Agreement and Bill of Sale are described in the electronic file named MF_MH_DPL_CCB delivered by Comenity Capital Bank t0 Midiand Funding LLC on August 25, 201 ’7, and summarized in the table immediately below (the “Sale File”). File # of Charged- Aggregate Unpaid Percent Creation Lot Salem offAcwunts ._ Balance _ . 7 .Datc 3/25/17 PORTFOLIO LEVEL AFFIDAVIT 0F SALE BY ORIGINAL CREDITOR STATE OF: UTAH COUNTY OF: _SALT LAKE I,_ Andrea J. Moss g being duly sworn, deposes and says: 1. Iam over 18 and not a party to this action. l am the Pigsidi'cnt ofComenity Capital Bank. In that capacity, I am a custodian ofcertain books and records ofComenity Capital Bank and certain 0f its subsidiaries and affiliates (altogether, “Seller”), and am aware 0fthe process 0f the sale and assignment of electronically stored business records. Comenity Capital Bank. owns certain accounts, and maintains and records information in the records as they relate t0 such accounts. I am authorized t0 make the statements and representations set forth in this affidavit 0n behalf ofComenity Capital Bank. The statements set forth herein are true and correct to the best 0f my knowledge, information, and belief, based 0n either personal knowledge or review of the business records of Seller. As a custodian of records for Comenity Capital Bank my duties include having knowledge 0f, and access to, business records relating to the Accouats (as defined below). These records are kept by Comenity Capital Bank in the regular course ofbusiness, and it was in the regular course 0f business of Comenity Capital Bank, for an employee 0r 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 0f the act and/or event recorded 0r reasonably soon thereafter. On or about 8/31/17, Comenity Capital Bank, Seller sold (or caused to be sold) a p001 of charged-Off accounts (the “Accounts”) t0 Midland Funding, LLC (“Buyer”). Pursuant t0 the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over and delivered to Buyer and its successors and assigns, good and marketable title t0 the Accounts and any unpaid balance free and clear ofany encumbrance, equity, lien, pledge, charge, claim 0r security interest. I am not aware ofany errors in the Accounts. 1n connection with the sale 0f the Accounts, electronic and other records were transferred to 0r otherwise made available t0 the Buyer (the “Transferred Records”). The Transferred” Records are kept by Comenity Capital Bank in the regular course 0f business, and it was in the regular course 0f business 0f Comenity Capital Bank for an employee 0r representative with personal knowledge 0f the act, event, condition, or Opinion recorded to make memorandum or records 0r to transmit information thereof to be included in such memorandum 0r records; and that the records were made at or near the time 0fthe act and/er event recorded or reasonably soon thereafter. 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 Comenity Capital Bank as a business record and the accuracy of such records are relied upon by Comenity Capital Bank in the regular course 0f business. 6. The above statements are true to the best ofmy knowledgs. FURTHER AFFIANT SAYETH NOT. Signed this “WWday of WWBM‘ , 20.1} Andrea J. Moss wk 11AM?"NAME) Comenity Capital Bank Subseribed. and swam {a befere me”- i‘h'is fig: day '43? {lmag-a ‘3‘” "Efivug 7 an employee of Comenity Capital Batik 1 . NATHAN cbtséfiés Cw? E ‘5' Notary Pubiic States? Utah ‘ Commisaion # S?Er349 59W Cammissmn Expifes September GI, 25118 r CERTIFICATE OF CONFORMITY STATE OF UTAH CITY OF SALT LAKE The undersigned does hereby certify that he/she is an attorney at law duly admitted to practice in the State of Utah and is a resident of Draper, Salt Lake County, Utah; that he/she is a person duly qualified to make this certificate 0f conformity; that the foregoing acknowledgment by Andrea .J. Moss named in the foregoing instrument taken before Nathan Coldren Ciuff 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 Ms. Moss in the manner indicated will qualify as a valid and effective sworn statement in such state; 3m ?yfz‘s Eff ,‘fl‘: ff filibiw Name 5x L Date DM 149744 PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORIGINAL CREDITOR STATE OF: UTAH COUNTY OF: _SALT LAKE I, Andrea J. Moss_, being duly sworn, deposes and says: 1. Iam over 18 and not a party to this action. 1 am the ‘MPresridéfit ofComenity Capital Bank. in that capacity, I am a custodian ofceztain books and records ofComenity Capital Bank and certain 0f its subsidiaries and affiliates (altogether, “Seller”), and am aware of the process of the. sale and assignment of electronically stored business records. Comenity Capital Bank owns certain accounts, and maintains and records information in the records as they relate t0 such accounts. I am authorized t0 make the statements and representations set foxth in this affidavit on behalf ofComenity Capital Bank. The statements set forth herein are true and conect to the best of my knowledge, information, and belief, based on either personal knowledge or review 0f the business records of Seller. As a custodian 0f records for Comenity Capital Bank my duties include having knowledge ofi and access to, business records relating t0 the Accounts (as defined below). These records are kept by Comenity Capital Bank in the regular course of business, and it was in the regular course of business of Comenity Capital Bank, for an employee 0r representative with persona! knowledge of the act, event, condition, or opinion recorded t0 make memorandum 0r records or t0 transmit information thereof t0 be included in such memorandum 0r records; and that the records were made at or near the time of the act and/or event recorded 0r reasonably soon thereafter. On or about 8/31/17, Comenity Capital Bank, Seller sold (0r caused t0 be sold) a p001 0f charged-off accounts (the “Accounts”) to Midland Funding, LLC (“Buyer”). Pursuant t0 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 Gfany encumbrance, equity, lien, pledge, charge, claim or security interest. Iam not aware ofany errors in the Accounts. In connection with the sale of the Accounts, electronic and other records were transferred to 0r otherwise made available t0 the Buyer (the “Transferred Records”). The Transferred Records are kept by Comenity Capital Bank in the regular course of business, and it was in the regular course 0f business 0f Comenity Capital Bank for an employee 0r representative with personal knowledge 0f the act, event, condition, 0r opinion recorded to make memorandum or records or t0 transmit information thereof t0 be included in such memorandum or records; and that the records were made at 0r near the time 0f the act and/or event recorded or reasonably soon thereafier. 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 Comenity Capital Bank as a business record and the accuracy 0f such records are relied upon by Comenity Capital Bank in the regular course of business. 6. The above statements are true t0 the best ofmy knowledge. FURTHER AFFIANT SAYETH NOT. Signed this WW day of WWEU‘ , 20X} 1; r \k ‘ E q V 3 “Andrea J. Moss EXEFIANT NAME) Comenity Capital Bank Subscribed and sworn to before me this fig» day of $2ww , 20!} byflaw?“ M533 ,an employee ofComenity CapitalBank ’ Notaryfi’ubllc e Néfiiéfi COLDREN CWF? '2 Notary Public, Stare of Utah ’ Cammlssmn a 5.78849 Mvfiommlssmn Expaes September m: 2018 CERTIFICATE OF CONFORMITY STATE OF UTAH CITY OF SALT LAKE The undersigned does hereby certify that he/she is an attorney at law duly admitted to practice in the State of Utah and is a resident of Draper, Salt Lake County, Utah; that he/she is a person duly qualified to make this certificate of conformity; that the foregoing acknowledgment by Andrea J. Moss named in the foregoing instrument taken before Nathan Coldren Cluff 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 Ms. Moss in the manner indicated wilt qualify as a valid and effective sworn statement in such state. fa. j" Ea; 7 f-v ‘v w w? Name 52 i; Date DM 149744 Field Field Data PRIMARY-ACCT-No 00-8838 FlRST-NAME ASHLEY MiDDLE-kNiT K LAST-NAME ADKINS STR-ADDR-l 3102 LEAF LN CITY AUSTIN STATE TX ZlP-CODE 78759 HOME-PHONE 8173694293 WORK-PHONE 9158810303 SSN *****4835 OPEN-DATE 4/27/2015 WRITE-OFF-DATE 8/18/2017 LAST-PYMT-DATE 6/26/2017 LAST-PYMT-AMT 50 LAST-PRCH-DATE 5/2/2016 LAST-PRCH-AMT 180 BlRTH-DATE - WRITE-OFF~AMT 1907.96 BAL-ALL-PLANS 1907.96 Data printed from electronic records provided by COMENtTY CAPITAL BANK pursuant to the Bill of Sale / Assignment of Accounts transferred on or about 08/31/2017 in connection with the sale 0f accounts from COMENITY CAPITAL BANK to Midland Funding, LLC. EXHIBIT B AA_OI 26 File N0.: 18'277447 7- T §x‘1 ’ g .5 g E XE; ’ s E g a 2 ”*1: a iE 3 g 5 ‘ E ‘ \ .g “E, ‘EM.’ Ii“! 15% off Your Order WHEN YOU USE YOUR DAVE S BRIDALCREDIT CARD AT 1NVlTATlONSDAVIDSBRIDALCOEfi" Promo code; DSCCMAYZSA *Subject t0 Credit approval‘ Offer valid {Gr 01‘5ch giaccd 3t invitaiic No minimum purchase requircd. DEC: cannut bi: camhimd x ‘ Ofler came: be applied to any prior purchase and can only int resin _ Us: promotional code: DBCCMAYIGA and tbs disccun: wiii b: applied at militia; M, L311: pramotienal coda pcr order. Sac website fer dcmils, 6 m_july 3. EGXS. iscaum. Ees‘mcfimfi may 2pp§v Limié: PAGE S O: 4 Q; m .V , , , Account no. New balance $1 ‘51 1.83 Minimum payment due $81 .24 Previous balance $1,582.76 Payment due date 06/13/2016 Payments 273.00 . 0mm m_edils ODD Late payment warning: ‘ I Pmchasss 180,00 If we do not receive yogr minimum payment by 06/13/2016 you may Other debits 0‘00 have to pay up t0 a $3fl00 Iaie fee, Fees Charged 0'00 Minimum payment warning: If you make onry the minimum ImEFESI Charged 21'87 paymem for each period. you will pay more in interest and it will take New balance $1 ‘51 1 ‘63 you longer to pay off your balances. For example: Pam due 3mm” 0-00 n you make no additional You wm pay off And you win eyed“ ”mat $1 50030 charges using this card the balance shown end up paying an Avanable credit $000 and each munth you pay: an the statement estimamd Cowl Statement clasing daie 05/1512016 in about: 0f: Days in billing cycle 31 Only ihe minimum payment S years $2482 For information regarding czedit counseling services, cail 1-800-284-1706, Account Questions? Neezj t3 make a :uaynmt'.’ LIaH 1-866789L345“ (I'JDII'I’Y 1783378197'1913} Divisit, V comenity.n»:~t/davidsbr'rdal. -, ' ‘ v'sitenos en Iinea a via). ' Promotionai mama) EXPIHING Download lhe app! Discover Thank you for being a vaiued SOON! See the “Details of your your wedding style, browse our David‘s Bridal customer plans” section that follows for entire collection make an detaHs appointment and much more! TRANSACTION DESCRIPTION/LOCATION AMOUNT 0493/2016 PAYMENT-THANK YOU £73.00 052’02/2016 DAVID‘S BRIDAL PROMO PURCHASE - Ausiin-TX 180.00 Fees Total fees charged for this period $0.00 Interest charged Interest charge on purchases $21 .87 Total interest for this period $21 .87 201 6 totais year t0 date Total fees charged in 2016 $10900 Total interesi charged in 2016 $134.33 NOTICE: See reverse side f0: important information, Acmunl BEL f Newbalance ! Minimum payment E,‘ I $1,511.63 E $81.24 €39 3 Puymbnt must reach us byYes, | have moved or updated my ID e-mail address - see reverse. Amwm en‘sm’ed' s pm ET O” 05/1 3'12016' l § , Please make check payable to: COMENITY - DAVlD‘S BR‘DAL “I‘illilliil'l'ihl”III”I'HIhIE!IIl“IMllllll‘ltlnlgtiu‘l fl . Please reeurn Ems poaion along wfih your paymem to:A HLEY KADKINS 31°02 LEAF LN PO Box 659707 AUSTIN TX. 78759-3126 SAN ANTONIO TX 78265-9707 |.I.c..,...MW.”IHHImmI.uIg..;.,m;.l,l.u[”..m 3250mm [13355337 5335 nnnaaaLaH 0031.31.53 Keep this portion fur your recordsv CREDIT REPORTING I V, ; t. J,” autumn What Ta D0 If You Think You finch! Mistake 0n Your Statement "rgdif humans la ,_ , ., ' ‘ . m mhgr r1 H yLILI Hunk him i: -1' '- ‘ ‘ {,gawLal :‘vanri FL) Bun L3 mm Lo LIIIS 0n yum :rm'Hév")1 u'l y‘JU' atal'flnt’nl MU” IL! J)‘ -1V'( :ZU. 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CUSTOMER SERVICE Visit currlenity neb‘davidsbridal .JI LdH 1':‘18 ).l ‘1": TELEPHONE MONITORING :hws rvmmuulwitalsl ADDITIUNQL INFORMATION. ' K, . ‘ =IH I5. wh” I as! .I:‘dHH=’ i l '1 ' ' ' ‘Ii‘abh: raL': lNltlitSl "rWF‘v’ltNl ' JU/‘xL [’J"-.‘r”‘41:[\l|. W‘v l; L‘Ji’ H'H I‘Y RU 1U 4:: MI; HERE. tall UT t1: fullnwl'lg, unmet bx: t1 w 1. 1T ' um '53 muat haw ' mil; 'JJ w :HL mamm 09¢ I mm- Um x $3; L J n‘ wilhh 1?)" p'xz'; musL haw: [y Ir yum ;H.I{L'h::“- I" :wu UH: n 'nari‘ in w H win v 'f‘ la __ A HEUUIIELLEW 'lN: c “d; NI L'V'fi ’[”'v‘H moans '14.". |- '“1I’Y uman: Wt W.3I'- rim .Ir . V fnm m AT! 1n" Wm a a ..»I| m .mqujallfv :vedir 3, ¥er mubl noLv‘Jl 'mvu MW pm! Iryi': p w; 1.5:. rm?! rm are WM dmmi r! wifu h? DummlLy iJapHgnl bank I’L Box 182620, Send aH Inquiries to: CUSTOMER SERVICE.PD Box 183003. Columbus. Ohiu 43218-3003. V 11m: I 1L3 1p Hy In Lhr: dlspfir'l aiimu‘fl ‘ds ‘ mtg; m; mum m “m Um“ 1‘ w; A,“ h - z Send aH bankruptcy not‘ces and related correspondence to Comemty [ML m..- ufl M m:- ‘im 5.“ W . a ”Wm find L , V y: . Capital Sank, Baukruutcy Departnuenp PO Bo: 183041 Columbus. Ohio wt mm» m [Lynn a5 rjzgiinrmcz'it. 4338730113. HOW TD AVOID PAYING INTEREST V 01f; Si necesita ayuda en Espanol, contactenos a nuestros centres de atencion 1-856-89i-3453 (TDDITTY 17888781971918). NOTICE ABOUT ELECTRONIC CHECK CONVERSION W ' ‘I gm p'wwde a ml auLhunau us I Hh 1mm your ' 1.. [mm 5M; acuuunt 0r .LI .‘1 "r: use ini nmafiun l: urn .lun'i Lian: Icr iurud~‘ HIJy be ‘mLh/erwt .xr: dawn am' A 1mm wur [imam ¥ ‘fuur due if ym p ,v 5mm P. m“: hala shag? imam.- 1 0r B Jdge‘r Daymar BALANCE COMPUTATION METHOD car. h L‘y'w: M L‘rcfl '. ' Iii} 4-H: UH: U Lllf3'‘11me Dal linshhltirm .1‘1'] wblmcL .4 mu: bala' llm' :1 1y ncl [w Jam :m‘anw. PAYMENTS. I” '_\ LN noL Igceive ymr may no y the pay Ht: 1t HI; [IIUU y nu SIi‘HLL Carrt‘u‘ Format ‘ 0J1 Mum”u: fJIlhjrsni |:v, Maffing 9r Overmghf: fiend: ' hrs Séaismam m lhe yawn Climb.“ .uynw utf pay m: 1L Elu ' Antonio _, mml mugt mac Ind Me: [;L:Ig: KJlras‘JEI“ rue ti ‘ncthuda 18) l3 make a currirmly.ueUdavidsbriilal. ‘HBHL 3'in :_ :_= "-.‘PdwnenlCutufl Times. r’dwwltuutulf 1m' ' ’ . ' ' ' ' ’ IIWHWMm; \i nemMaiUngana Gvemrghf. b‘\ V ' H him: (EH- Pay By Phone: b, flew imrmatim: 5V1; “u :13 "t; r“, L_n y 3.3a Man {39:19, Your Annual Percentage Rate (APR) is Ihe annual imeesl ‘ate on your account. TYPE CF EALANCE Purchases Plan 406-00008 DF INT F’Y RQ Plan 406-00009 DF INT PY RQ Han 412-00001 DF INT PY HQ Plan 412-00002 DF {NT PY RQ Pian 412-00003 DF INT PY FIQ APR 27.240094, (v) 25990094, (v) 25.9900% (v) 26.9900% (v) 25.990091; (v) 26990094. (V) BALANCE SUBJ EDT TO INTEREST RATE 944.90 77.08 99.30 4356 1,88 2.04 INTEREST CHARGE 2187 000 000 UGO GOO QOO 406-0000 i You must pay yuur prommlonal balance of $359.66 in full by 08¢28/2016 [u avoid paying accrued inlerest harges. ORIGINAL ORiGINAL PREVIOUS ACCRUED TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN INTEREST ACCRUED AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE THIS. PERIOD INTEREST 38955 02;;26/2016 0812812016 389,55 0.00 20,00 359.65 8‘34 23777 406-0000 iYuu must pay your promoiional balance of $180 00 in full by 11302/2016 tu avoid paying accrued interest 1 harges. ORIGtNAL ORIGINAL PREVIOUS , ACCRUED TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN INTEREST ACCRUED AMOUNT DATE EXPIRES BALANCE & CHARGES 6: CREDITS BALANCE THIS PERIOD INTEREST 180.50 05/032015 11/"02-"2016 0.00 18000 0'00 180.00 2.28 2.23 41 2-0000 I harges. o RIGINAL §Y0u must pay your promotional balarlcte of $42.28 in full by 07/02/2015 to avoid paying accrued interest ORIGINAL PREVIOUS ACCRUED TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN INTEREST ACCRUED AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE THIS PERIOD INrEREST 67.26 07/022015 01022016 47.26 0.00 5.00 42.26 1.00 12.78 412-00002 You must pay your promotional balance of $1 .04 in full by 07/22/2016 to avoid paying aCC‘ued inte'est charges ORIGINAL omGINAL PREVIOUS. ACCHUED TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN INTEREST ACCRUEO AMOUNT DATE EXPIRES BALANCE & CHARGES 3 CREDITS BALANCE THIS ?Emoo INTEREST 21 .04 07:232015 071222016 8,04 0,00 5,00 1.04 0.00 2.34 412-00003 You must pay your promotional balance oi $1 ,20 in full by 08/24/2016 10 avoid paying aCC‘ued inte'est ‘ Charges. ORIGINAL ORIGINAL PREVlous ACCRUED TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN INTEREST ACCRUED AMOUNT DATE EXPIRES BALANCE a CHARGES e. CREDITS BALANCE THIS PERIOD INTEREST 15.20 0832412015 08i’24/2016 8.20 0.00 5‘00 1.20 0.00 1‘88 ilaaitiphé 'iinp In order to avmd paying interest charges for this billing cycle. you must pay a total of $989.97 by your payment due date. This amount includes plan minimums) and Iota! revolving balance. Another perk 0f going paperless? View, download, and print 12 months of statements, anytime 24 hours a day. It‘s free! httpsflcomenity,net/‘davidsbridal/paperless How can you take charge against ID Theft? Visit idtheftgov t0 find out. BESDLULB UDDEBEBB 5535 DDDDDBLEH DDULSLLEB PAGE 4 O: «l EXHIBIT C AA_0127 File No.: 18-277447 E1OF2 sum j y» ymfgm nchTTmi‘ti'fi ;_ Account no. New balance $1 907.96 Minimum payment due $686.00 Previous baLance $1 £25.88 Payment due date 09I13/2017 Payments 0.00 _ Olhercredits 0'00 Late payment v_varnlng: ‘ I I Purchases 0‘00 If we do not receive your mlmmum paymem by 09/13/2017 you may Other debits O_OO have to pay up to a $3800 lane fee. Fees Charged 3300 Minimum payment warning: if you make only the minimum "“985! Charged 44-08 payment for each period, you wiH pay more in inteest and it will take New balance $1 307.96 you Hunger to pay oh‘ your balances. For example: PaSl due amour“ 59000 If you make no additional You will pay off And yDu will credit limit $0.90 charges using this card the balance shown end up paying an Availame credit $000 and each month you pay: on the stahement estimated total Statement closing date o&’1&'2o17 in about °f= Days in billing cycle 31 Only the minimum payment 6 years $3288 For information regarding credit counseHng services. Call 1-800-284-1706. Account Questions? Nefid to make a {J_ayr'nentZCall 1-856-891-3458 (TDD/T-TY 1-888-813-1918) o} visit I - cornenityuetflavidsaridal. - ' - Si tiene preguntas sabre su cuentau para hater un 'pago mediante el uso d5 su cuenta cle Cheques visiténos en lfnea a comenity.ne£/davidsbr'idal 0 contactenc-s v_ia teieféruca al '1‘800-217-6939 (TDDFFTY 1-888319-1918). V TRANSACTION DESCRIPTION/LOCATION AMOUNT 08/13/2017 LATE FEE 38.00 Total fees charged for this period $38.00 Interest charged Interest charge on purchases $44.08 Total interest for this period $4493 201T totals year to date Total fees charged in 2017 $297.00 Total interest charged in 2017' $309.03 on page 2 for more details. TYPE 0F BALANCE SUBJECT |NTEHEST BALANCE APR To INTEREST RATE CHARGE Purchases 27.990094 (V) 1,854.41 44,08 NOTES: Sag révarae side far Important inbrmatiun. Please tea.- a: venomtiou above Account number *R'!-§*RQ-*C'*-8838 New balance Minimum payment $1 907.95 $686.00 99 4 ¥w' P‘r a ‘ List mach us b g Yes, l have moved or updated my V dy’m‘m m y email addVess _ see reverse. Amount enclosed. S pm ET on 0911312017. F i Please make check payable to: COMENITY - DAVID'S BRIDAL ,I“f.4””..1.Htln.Hn,.|mht|gl...mihlllwuuim Piease return this Dortion aiong with your payment to:ASHLEY KADKWS ' 3102 LEAF LN PO BOX 659707 AUSTIN TX 75759-3125 SAN ANTONIO TX 78285-9707 I.I-»IIIIII-I'--ai-:III.It-IIIuII---umnnnm-H-mm-Im 3250mm 00025503 &535 000055500 annmnma Keep t‘m's portion for your records, Wha! To Do (f You Think You Find A Mistake On Your Shafemeni H yuu think then: IL uapdal Ham PU L‘u‘rx ! nleu std l v ML lo Lo :1: ()Larmmity , [,ollmhus :lrnzw (218 ’z‘hQJ. |’1 " nu IP’TU' give us [he fulluwlng IrlfwnaUUH: funrmfiun: Yum name and dmunml nu . ‘ '- [ha dullar ammunl u! Ur» x' 15139:;er mm. 7, Hoh/cm- | ynu think Hnm- anmn): u: :un Ml, a ml, you behave It wmng and Nhy you usiliev-a il i5 a :nislaw.dew:Hbr: Yz-u must contact us wuthm .30 days attar hr: 5| ror appeared on yclur flatumzmt. YLvu m st thl'ry us uf any putuznlml uuu's in .mr‘l‘ '. Yuu may call us. but if yuui ale: Hut rzjqulzui‘l tn Imuitlgatu ally pumiltial unws dud you may have ,0 Lay {he amount m queshon. While wr; mvostlgau whethcx or not there has been a.1 mmr ae lrue: v We cannot ml {o celled [3'12 ml lowing tho amount in question. :u' re; fl. you as we m~ 'Jfi a Imitakc, you will not have to pay Lin: amount in question :-r ust ur uthm fuus rul'aiud [u th‘al ‘mnuu: . annde V OI your bail , fi’ce an alply an unpaid amount againstyourcredit Iirmt Your ng/ifs ff You Arr Diasafisfic'd With Your Cmdif Curd Purchdb’cs H you awe Ijissaiwfiu “’Itm- :‘1u: Crch? 1‘ ’ m wdh [he H Uni fl“ lmlh L’ 1'- g mds -r semir us L xal yum have [.v-.IiLnased TL.) us»; {his wighl. ail u? [he [onving must Ln: true: 5min (3K wiHIiu HJUmust Have Elwin mar I in vnu' “Hum: ndsu LiriL u muSt haw ' H‘E pur: rnHus uf your ‘ - H «u 5 Dawzl an an m u [ibnmum we nmilw K1: yuu. Hr H wt: me I 1c Lu. “[1le t [at Slim vuu l‘ne gumfis ur genncr‘s.) made rtréailil 2V You must haw: usud yum cmdwt card 1w HI: lrwchus , PLI'uhaSc: "am: a:l«larm-zs‘ Emu] HM AIM m wiih H flush: HIM 2 , ,rasmes yum [bid aLuuunt dv nut qualify. M ! h Ii, 'fzm mus! Hui yel have, lully LIHILI lur Hm gmuzlmsc. cm t and yu-J arc still [Jr satwshcd mm {hc- 14:91“: uity Capital Ja uk PU va L 2080 H an 0f th at‘ putrhus‘c, cur J Colun‘lbus. (Limo I . imuan HOW TD AVOID PAYING |N'I'EREST. Your due dale Is at least 2U days anew me a :vt n "In. iH rum Chane) you miacst on purchases ifyuu 1y Ir enllte .e .wl[he d [P 'Ja' Jean. :I month. We Nil! beg m [u ma rheresi on w ,.w nnr wages mans Imdm a Ir: J NH, I qua! r’aymen'r U' Bngut Paymcrltdelt é’lau hum [nu dal': ol purcudsu. BALANCE COMPUTATION METHOD. W Pach ty 1c ~f bdldnuc un yo;Jr account interest aha x mr Farh hillmp me I n! We hgl your r“ L‘ULJHI 4p )Iyim (".11 ch'JI ' mra Iy fol al '[u ds [elrnine th: interest 'harFe rm ' ufyvur 'daxlv L'nala Ice' we 2A ‘ ‘JG a Iy nuw _ ymP 'u C edits (l -. mg :my :Iel d 19H) balasltu). hls Linn. z us L u: dai‘y balanLu PAYMENTS. PH" you' A0; may nut lie r: e lleri lo ywr A'" {nu payment melhud ym 3i Current Furmat Ex HI'L‘E Tummt fu: difluunt payment mutlmds wulude Mailing w Overnight Send: ‘rsnn'al mock mow y wdw [raw lur's L m< Statwnen. tn [he' vale )l stub area cunlamiug yuur balance and ml -' I. :unl L'ry HIP 1th ;| taenil any '_::L!5}>undr-Hr land Mu 3d timml I n at :ctium; nc= ll: an; (hr: s (TDD/TTY 178887 comenitynet/davidsbridal, Payment Cutoff Times. ?’aymrenl L'LIUJH li'" MID rig times: Mailing and Overnight: _»y Ev: LID um Eaten: Time .IK U! cushm's 1:1 'mu H waymenl amt: tub. is! Judie yuux amourn numb: r on vuur :heL k. use [nee ‘ifm ywn playmmlt Y 1\|1Uu1d uvr m: 'atvz‘t 1'12 Payments Mama! “Paid I'I ruH" sechun a:vuve. Du Hui aend udslx LI; gIIL Litulmca :5. Fay By Phone: Y:\u can Lzall Lls lull nee al 18535 BBL ‘ 819-1918) lo ‘nakr: a payment by Icluuhuna, which may include a lee. Online: You Lian make a :‘ay'ne'll. onlinsz al P5.I’d¢"ddlinles 1.1V us ll) IEL’Hive payments aw; h"! 31H"): Pay By Phone: 'r cm humans. Lair: )aymenta. mlasrzd pamonts. umti‘u‘n‘ defaults m your mum. may be Hfletled In yum tram zeguurl,. NOTICE OF CREDIT REPORT DISPUTES h‘ you believe [he account inf”; (nation ma .pportpd 14a Consume! I'pvvltmg agency Ii Inaccumte. you may ubmit adir :i d puke [UK 10mm pita! Bunk F0 8m 1821 9D, Cum: . Dhiu ’ 3' 18-21.. ‘(vw mitt: ,1!" must [uuvnie sum H! mlnmnhzxu (a ideniliy Hue a null an: tin: Hlfomlaum Is 'Iaccumte: Account lnformaiion- Y mm} arr] dutuunl number Contact lnfurmatmn: address and ielenhane mmber Disputed Information Identify the account InrDI'mahan dxspufad a'h‘l explain why you belieu’e ii i: inacunalc Suppurfing Duuuulentatiun. If a-mila' :-,-. plwlz'lz-J a mmy uf {ha Section uf the x, . ii report showing ihc accognt inkn‘maticn you arc disputing 'J W‘ w v v WI: will iH-flfitigdie W: Ijisputed infumlation and r' wnlhln '0 Jays of :etespl of the mlon dilun needed 1:): :vur mve M: find hlafi [his a ' Jnt n Mmatim we njportud i: irmrzuratx gmunplly [rnvm'a I’I n.” yunm-zlilnm !u Haul]: agency ta: whim 2W; . ttcd the infuiulatiun. PAYMENTS MRRKED "PAID IN FULL" NI mi mgarding disputm; amuum: mat inc ludo am < 1;»? other payment inglrumenl I(xarked wi h ymenl in full m s . man Imuuage, (nusl be sa'll (0:?)\'nbtw'JI (07th Limit 1% J4 :ast. Suit: IUI. San Aflonlil. (X /524/-b004. D0 NOT USE THE ENCLOSED REM‘ TTANCE ENVELOPE We may ac:3p: payment sen: t») any n'mrn address x itnnut losing any 3f v Jr ri' ms No payment shall opereat 533 written appranxnfi CUSTOMER SERVICE Vi n yum a Dne Mme pier‘tranlc fund transfer tram your account Cur '[3 transactiom, When we Lhe iilfwnatiuu fmm 'onic IJnd trans ( iunds may :rr: wilhdmwn ' same day \vb L; "our payment and 10m chiu lack from your ‘nnancial Inshtulion.you will no'i ryu paymjent in a.e LMPLII‘ HHIHK (L) mine?! 'Del \w) iL HS :ho '2I 0H _ .ne lu inC-l .Ide vuur = ymeilt 5L i'L‘ do not :tag |'-' r.” Uwided wit I ‘ 'bnur ‘ialurnunl. 5L r1 rmu paymcni ail I one O Null?H 1.)}; 100". ' ‘ Smtt1: 101 San Ehului a dispam in «mm: v; you fullv'ev iI .LS d Jlldu. [u Km: Ham: ' and dud! WE],W, L. Inlglnt 'a pdyHJL Ht Lu Hmilgd mym: Hts u w due dal' ,xn [ills SLalz-amenl in [he Lvayme'xL stub area aL {he : Onlinr: By 8:03 pm (ET). 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