Complaint/Equivalent Pleading Filed - Complaint June 27, 2024 (2024)

 
Preview
 49D05-2406-CC-028867 Filed: 6/27/2024 12:41 PM Clerk Marion Superior Court 5 Marion County, IndianaSTATE OF INDIANA ) IN THE MARION COUNTY SUPERIOR COURT )ss:COUNTY OF MARION ) CAUSE NO.MIDLAND CREDIT MANAGEMENT, INC., Plaintiff vs.SHAUNTIA L HAWKINS, Defendant. COMPLAINT 1 Upon information and belief, Defendant SHAUNTIA L HAWKINS, resides at 5633 Matteson Dr,Indianapolis, Marion County, Indiana. 2 Credit was extended to Defendant on ZALES account number XXXXXXXXXXXXXX4825 formerlywith COMENITY CAPITAL BANK. 3 Defendant failed to pay the amount due on the account. 4 Defendant has failed to object to the accuracy of billings sent to Defendant and/or has otherwise assentedto the balance and has failed, refused, or neglected to pay as agreed. 5 As of June 11, 2024, Defendant owes a balance of $1,799.43 to Plaintiff, as is more fully set out inPlaintiff's Affidavit of Debt attached as Exhibit A and supported by the account documentation included therein. 6. Plaintiffis the assignee of Defendant's account. Please see the Chain of Assignment attached withinExhibit A. WHEREFORE, Plaintiff requests a judgment in its favor and against Defendant for total damages in the amountof $1,799.43, plus costs of collection, any post-judgment interest and such other relief as the court may deem appropriate. Respectfully Submitted, STENGER & STENGER, P.C. Attorneys for Plaintiff Dated: 06/26/2024 By Keiti . Sparks #32766-71 CZ Denise M. Hallett #8406-45 CI Zachary M. Kimmel #34667-47 L] David W. Gray #32482-45 LD David J. Hoff #35481-15 2618 East Paris Avenue SE Grand Rapids, MI 49546 Phone: (866) 870-7452 Fax: (616) 942-9657 Email: indiana@stengerlaw.comTHIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANYINFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-142161 IIMIINIDIIIV ITN 0 100111 1100110 A 00 0 0EXHIBIT ATHIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A DEBT AND ANYINFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 24-142161 IIIA T0000 00000010 01000 0010 0100100 011AFFIDAVIT OF DEBT Comes now affiant, and states: L, Amanda Lengyel, am of adult age and am an employee of Midland Credit Management, Inc. ("Plaintiff" or "MCM"), and am fully authorized by Plaintiffto make the following representations. I am familiar with the recordkeeping practices of Plaintiff. The following representations are true according to documents kept in the normal course of business and/or my personal knowledge. [ have access to and have reviewed the electronic records pertaining to the account maintained by MCM and am authorized to make this affidavit on MCM's behalf. The electronic records reviewed consist of (i) data and records acquired from the seller or assignor when MCM purchased or was assigned the account, which were incorporated into MCM's business records upon purchase or assignment, and (ii) data and records generated by MCM in connection with servicing the account since the date the account was purchased by or was assigned ta MCM. In addition, I reviewed the documents that are attached to this affidavit. ) The Plaintiff has obtained this debt from COMENITY CAPITAL BANK and the original creditor of this debt was COMENITY CAPITAL BANK. Evidence of the debt, as required in Rule 9.2(A) (2), is attached as one or more Exhibits to this Affidavit. 2 SHAUNTIA L HAWKINS, Defendant, had an account balance of $1,799.43 as of 2024-05-02, which is owed to Plaintiff on account i X 4825 (hereinafter "the Account"). 3) MCM'°s records show that the Account was opened on 2021-08-16 and the last payment posted to the Account on 2021-11-13 in the amount of $100.00. MCM's records show that the Defendant defaulted on the Account on or after 2022-01-13 and the Account was charged off on 2022-06-30, 4) The type of account is: Credit card account (e.g. Visa, MasterCard, Department Store). Company issuing credit card: COMENITY CAPITAL BANK (J Other: 5) The account balance includes: MCM's records show that there are no late fees after 2022-07-29. Interest at a rate of 0% beginning on 2022-06-30. 6) The Plaintiff is not seeking attorney's fees. 7?) MCM's records do not show that Defendant is a minor or mentally incapacitated person. 8) If the Defendant is an individual, Plaintiff states and declares that pursuant to the attachment, Defendant is not in active duty status of the military. (“Active military service” includes fulltime duty in the military (including the National Guard and reserves) and, for members of the National Guard, service under a call to active service authorized by the President or Secretary of Defense. For further information, see the definition of “military service” in the Servicemembers Civil Relief Act, as amended, 50 U.S.C.A. Appx. §521.) AFFIDAVIT OF AMANDA LENGYEL - 1(MOCO ini 31763706! mma IM ugg9) As set forth in the records attached hereto, the complete chain of title including COMENITY CAPITAL BANK, the original creditor, and all post-charge-off purchasers/assignees of the debt are as follows: 1 COMENITY CAPITAL BANK. 2022-07-29 2. Midland Credit Management, Inc. 10) Attached hereto are the following records regarding the Account: a} Bill(s) of Sale, Assignment and/or Affidavit(s) of Sale b) Seller data sheet reflecting the individual Account information from the electronic records provided by the seller or assignor pursuant to the Bill{s) of Sale, Assignment(s) and/or Affidavit(s) of Sale in connection with the sale or assignmentof the Account to Plaintiff c) Records regarding the Account and/or payments received: i) Contract, application, or other document evidencing the consumer's agreement to the debt, and/or ii) Statement(s) and/or Account records reflecting: 1) the charge-off balance; and 2) the last purchase transaction, payment, or balance transfer. 1) The documents attached hereto are true and correct copies of the originals, being a reproduction of Plai ‘iff's records, based upon my review, except to the extent that confidential and privileged information and/or personal identifying information is omitted or redacted as required by local rules, and applicabie state and federal law. I swear or affirm under the penalties of perjury that the foregoing representations are true. JUN 06 2024 Date Amanda Lengyel MI230 AFFIDAVIT OF AMANDA LENGYEL - 2AM LAT IAEA AA [ge EVE A AFFRECATTACH 24-142161EXHIBIT A BILL OF SALE Comenity Capital Bank (“Seller”), for value received and pursuant to the terms and conditions of that certain Credit Card Account Purchase Agreement dated October 25, 201.9 between Seller and Midland Credit Management, Inc. (“Purchaser”), its successors and assigns (“Credit Card Account Purchase Agreement”), hereby assigns effective as of the Closing Date of July 29, 2022 all rights, title and interest of Seller in and to those certain Accounts described in the Credit Card Account Purchase Agreement and Schedule | (the “Asset Schedule”) attached hereto and made part hereof for all purposes, to Purchaser. The information contained in the Sale File (collectively, “Seller's Accounts Information”) is true and complete as of the File Creation Date. Further, all of the information contained in Seller’s Accounts Information (a) constitutes Seller’s own business records regarding the Accounts and (b) accurately reflects in all material respects the information about the Accounts in Seller’s possession. All of Seller’sAccounts Information has been kept in the regular course of Seller’s business, and wasmade or compiled at or near the time of the event and recorded by (or from information transmitted by) a person (i) with knowledge of the data entered into and maintained inSeller’s business records, or (ii) who caused the data to be entered into and maintained inSeller’s business records. All capitalized terms used, but not defined, in this Bill of Saleshall have the meanings assigned to such term in the Credit Card Account PurchaseAgreement,This Bill of Sale is executed without recourse except as stated in the Credit Card AccountPurchase Agreement to which this is an Exhibit. No other representation of or warranty oftitle or enforceability is expressed or implied.COMENITY CAPITAL BANK Midland Credit Management, Inc.By: By: Minabi, MYDate: 3 {7 /22. Date: 9/8/2022 _Title; Chief Credit Officer Title VP of BDSCHEDULE 1 TO BILL OF SALE ASSET SCHEDULEThe individual Accounts transferred pursuant to the Credit Card Account Purchase Agreement andBill of Sale are described in the electronic file namedMCMG_HF_JULY_2022_DPL_CCB.TXT;MCMG_HF_JULY_2022_LCS_CCB.TXT delivered‘by Comenity Capital Bank to Midland Credit Management,- Inc. on July 26, 2022 andsummarized in the table immediately below (the “Sale File”). = = # of Charged-off Accounts Aggregate Unpaid Balance’ Percent File Creation Date | _ ens —_=a 20) EIO“LEVEL:ARFIDAVIT OF. £ BY ORK REDITORState of Utah§County of Salt LakeOn , Bruce A: Sweetén (‘A ffiant”) being duly sworn, deposes and says: Tam over 18 and | am the Chief Credit Officer of Comenity Capital Bank (“Seller”). [n that capacity and as part of my regular job duties, [ have custody of certain business records of Seller, routinely review such business records, and am familiar with Seller's processes for the sale and assignment of accounts and business records, including those that are maintained in electronic form. Seller owns certain accounts, and maintains and records information in the records as they relate to such accounts. 1 am authorized te make the statements and representations set forth in this affidavit on behalf of Seller. The statements set forth herein are true and correct to the best of my knowledge, information, and belief, based on either personal knowledge or review of the business records of the Seller. If called upon as a witness, I can testify competently to the facts contained herein. My regular job duties include having knowledge of, and access to, business records relating to the Accounts (as defined below). These records are kept by Seller in the regular course of business, and it was in the regular course of business of Seller, for an employee or representative with personal knowledge of the act, event, condition, or opinion recorded to make memorandum or records or to transmit information thereof to be included in such memorandum or records; and that the records were made at or near the time of the act and/or event recorded or reasonably soon thereafter. On or about 07/29/2022, Seller sold a pool of charged-off accounts (the Accounts”) by a Credit Card Account Purchase Agreement to Midland Credit Management, Inc. (“Buyer”). The original creditor at the time of charge-off was Comenity Capital Bank, Pursuant to the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over and deliveredto Buyer and its successors and assigns, good and marketable title to the Accounts and any unpaid balance free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest. I am not aware of any errors in the Accounts. 6, In connection with the sale of the Accounts, electronic and other records were transferred to or otherwise made available to the Buyer (the “Transférred Records”), The Transferred Records have been kept in the regular course of Sel'es’s business, and were made or compiled at cr near the time of the event and recorded by (or from information transmitted by) a person (i)with knowledge of the data entered into and maintained in Seller’s business records, or (ii) who caused the data to be entered into and maintained in Seller's business records. To the extent that the Transferred Records include records that were prepared by a third party, they are records that were incorporated into the records of Seller as a business record and the accuracy of such records are relied upon by Seller in the regular course of business.7. I certify under penalty of perjury that the foregoing is true and correct.FURTHER AFFIANT SAYETH NOT.Signed this th day of August, 2022. TuUce. weet (AFFIANT NAME)Comenity Capital BankSubscribed and sworn to before me Jennifer Pardue, on this (te (date) day of August, inthe year 2022, by Bruce ten, who proved the basis satisfactory evidence to be theperson whose name is sill ip this (Notary's Official Seal), ESD ALAA % Signature: JENNIFER PARDUE «iSS AN Notary Public - State of Uran Comm. Xo. 718844 My Commission Expires on ~~ 17, 2025CERTIFICATE OF CONFORMITYSTATE OF UTAHCOUNTY OF SALT LAKEThe undersigned does hereby certify that she/he is an attorney at law duly admitted to practice inthe State of Utah and is a resident of Utah, County of Salt Lake, Utah; that she/he is a personduly qualified to make this certificate of conformity; that the foregoing acknowledgment byBruce A, Sweeten named in the foregoing instrument taken before Jennifer Pardue a notary inthe State of Utah duly conforms with the laws of the State of Utah, being the State in which itwas taken; and when executed by Mr. Sweeten in the manner indicated will qualify as a validand effective sworn statement in such state.8/22/2022Date Attorney at Law for the State of UtahField Field DataAccount Number 4 825Seller Account ID 73First Name SHAUNTIAMiddle Name LLast Name HAWKINS.SSNDate of Birth aAddress 1 830 PARK CENTRAL CT APT BCity INDIANAPOLISState INZip 46260Open Date 08/16/2021Last Purchase Date 09/03/2021Last Purchase Amount $1,579.58Last Payment Date 11/13/2021Last Payment Amount $100.00Sale Amount $1,799.43Charge Off Date 06/30/2022Charge off Balance $1,799.43Post Charge Off Interest $0.00Post Charge off Fee $0.00Post Charge off Payments $0.00Post Charge off Payments and Credits $0.00Post Charge off Credits $0.00Affinity ZALESAccount information provided by Comenity Capital Bank pursuant to the Bill of Sale/Assignment ofAccounts transferred on or about 07/29/2022 in connection with the sale of accounts from ComenityCapital Bank to Midland Credit Management, Inc.MCMG_HF_JULY_2022_DPL_CCB.TXT; MCMG_HF_JULY_2022_LCS_CCB.TXT. - - PAGE 1OF 4 Account no. 4825 New balance $1,799.43 Minimum payment due $177.00 Previous balance $1,752.02 Payment due date 07/13/2022 Payments 0.00 Late payment warning: Other credits “1,491.63 Purchases 0.00 Mt we do not receive your minimum payment by 07/13/2022 you may Oiher debits 1,491.63 have to pay up to a $41.00 late tee. Fees charged 41.00 inimum payment warnins yoy make only theoi Interest charged 6.41 payment for each period, you will pay morein interest and it will take New balance $1,758.48 you tonger to pay off your balances, For example: Past due amount 197,00 Ifyou make ne additional You will pay off ‘And you will Credit limit $1,620.00 charges using this card the balance shewn end up paying an Available credit and each month you pay: on the statement ‘estimated total Statement closing date Days in billing cycle owviezoee29 In about: ‘Only the minimum payment 14 years, of $7752 For information regarding credit counseling services. call 1-800-284-1708. WARNING: Promotional Plan(s) ENDING SGONT You ast pay your Plan 452-0001 balance of $1,491.53 in full by Sep 04, 2022 to avoid paying accrud interest chacges. PLUS - ff you have olfter aurchases or promotional balances on your account, you also vill need te pay your Minimum payment by the Payment due date shewn en thi statement. PROMOTIONAL PLANS: You made a purchase that was placed on a promotional plan in accordance wilh the details found in the “Details of your plans” section. : If you returned an item that was on a promotional plan and have questions with how the return was applied to your account, please call us. ‘Skip signing in to pay and use Comenity's EasyPay. It's safe and convenient, Use your smartphone camera or code ceader ta scan the QR code printed on your sayment stub below to get started.EL‘TRANS DATE TRANSACTION OESCAIPTIONLOCATION AMOUNT 0312022 PROMOTIONAL PLAN TRANSFER 1,491.83 ovav2022 PROMOTIONAL PLAN TRANSFER a 1,491.83 ane Fees 06/13/2022 LATE FEE 41.00 Total fees charged for this period $41.00 . interest charged Interest charge on purchases 36.41 Total interest for this period $6.41 ns 2022 totals year ta date Total fees charged in 2022 $249.00 Total imerest charged in 2022 $19.90- nonce: 92 Fave%5@ $9 for importan infomation. a: jaave tear al perioraiion above "Account umber 24825 ZALES THB DIAMOND STORE* ‘New balance $1,799.43 Minimum payment $177.00 54 Mailed payments must reach us by 6pm ET o ‘Yes, | have moved ar updated my e-mail address - see reverse. Amount nel I on 07/13/2022. Please make check payable to: COMENITY - Zales Jewelers UTM EE he TT Ee get lease relurn this portion along with your payment to: ‘SHAUNTIA L HAWKINS 830 PARK CENTRAL CT APT B PO BOX 650971 INDIANAPOLIS IN 46260-456: DALLAS TX 75265-0971 to'ocgnialieal tinal! baad Meg et LP ULee. . . wo . a Keep this parti far your records. CREDIT REPORTING. We may report informal 3p about What To Do if You Think You Find A MistakeOn Your Statement cred bueaus, Late bomen, missed ponents, ooh eto on your iy thet is an enor on your statement, wsile to is ats Crmeni maybe reflected in your credit report. {opal an PO Baw WADG2O, Cuma,OM 3218-2620, In yu llr, [NOTICE OF CREDIT REPORT DISPUTES ‘eos the folowing idorratons Account inionmation Yeam name ane account number, Hye bate tne actin me ered nn comune pent. Dalian arin: The delat arpa the susreclent exer gerne iaceune, atime diet is YaTo Comonity ny subiGH 429182100, waten pile Capital* Bescrintien of Prabiem: i you think these is an exser on your bil, Bank escrive what yon balene i wrong and why you balieve iis a mistake. rust pee sl an loi lily the accocint and speci sy Recountthe intormationsiacewate he You in contact us within F0cay8 ates the estes apparel on your wor eamme Aad accaunt mamber slaloment You ms elity uso ay polenta eats wii, Yo, 5 Contact Infomation: Yr ares ae lene rr eal, but if yeu ce We ae neh ea imvesligate any potential errors * Disputed Inemation: Wel he acount nlrmationi ane and ‘Sat yo moyen ty he mnt intetian, Vinee eae explain why youbel ie lis inaees ‘whether hed there has been an err, fllowing, « SpporangGocuretaion: Wat provide @ cary ofthe section of ‘Cannel iry to colt Ihe smgnl in question, or epee you as Ue credit ‘ao some the account iniorimation you ae disputing inquent qn thal amon Ye wi uted ilormalion ane report tha vests + The charge in question may remain nn your stateren|, and we, i dase cig re mali ux investigation. tf 1 To.chage you interest on thal areal ‘we deere thal Wwe fied thal the accounl inferation we ceperted is ince I, ‘we rataa mistake, yr will nol have to pay the arnounl in aestion oF Dromoptly provide the necessary cortection fa each consumer reporting . ay inleves! or oles fees relate ey It amu agency fa which we ied the information. yo ono have fo ay the amaunt in question, yous are respansible PAYMENTS MARKED “PAID IN FULL”. 141 wilten cormnimicalions Ace the reminder of your balares tearfig ciate arcs It inci ay cheek eer eee += We can apnly any urged armnind aginst yo xe ft. inser a in fa" or sina language, must ba sent Your Rights You Are Dissatistied With Your Cred Cand Purchases Dik: 2 Garo TATE Mycate i he goons or sevens thal you ha Donor use Tie Enel TANCE‘willyyour cretl cave, and you have tried in good faith to correct the ‘ray ae pare se oan ll cares it ing ay problem with the ant, yous may hate the Hight not to pay the rersining, ou rights. ‘amount die on the purchase. To nse this righ, aloft follewing, must be *'No payment shall operate as an acceet and satistantion withont pine inv: veritten a “The putchvase must have baan made in your hame state or within 100, CUSTOMER SERVICE. visust comenity eas eal 1-844-271-2708 a uen| mailing mses, he purchase rice mst tne 188581 bron mex nan $C, (Mat: ie ol ase TELEPHONE MONITORING. o provide you i ici sie, isomenlwe mall fo you, orf we on Ine COM ‘communication with us is monitored andor (ec That st you ie pons or serves) ADDITIONAL INFORMATION, The Kllowing designations,when spnearing 2. You mis hava snd your cred card forthe purchase. Punchases mate falement, mean the following: V me wll cash aevances fram an ATH or with 4 check that accesses your credit {cate wey cons WV IN PAY RQ means WAVE INTEREST, PATENT Card acon do oe etal. REQUIRED, WV INT EQ PY means WAIVE (NTERCST, EQUAL, PAYRIENT: WW 3. You rust not yet have fully paid for the uc INTL PAT RO DEFER INTEREST, PAYMENT REQUIRED: DOF INT EQ PY means Malla ia aboen arnret and you fied uth tne DEFER INTEREST, EQUAL PAYMENT: DF IT LOW PRAT means DEFER anlact gie ah Coreniy nial Sark PO bax INTEREST, LOW PAYMENT anc! LOW! APR EQ PAY means LOW APR, EOUAL Satan aa PAYMENT. yeu hove 9 ial ae oecoum,youw pte aes hay vay \While we investigate the same rues apply 16 he displ amounl 2s ‘You ray pay all ol your Account balance at any Hiseussed abe. Aloe Finish evr investigation, we wil tell you out Send all ing esto: CUSTOMER SERVICE, PO Sax 183003, Columbus, OH tfecision. Al tha in, "Think you owe an amnounl and you do ot ay 49218-3003,sen nay cepont yous as delinquent. ‘Send al up tices and relat snespondence to ComenityHOW TO AVOID PAYING INTEREST. Your dse date is at least 25 cays alter Capital Bank, Bankruplcy Department, PO Box 183043, Columbus, OH le cise ofeach ing cle, Ve wil ot charg: you ine en cess 428: ityen payinlrest on reewtance by he de date cach wet al Payerhop NOTICE ABOUT ELECTRONIC CHECK CONVERSION. Shan you provide or get Poymer Crt Pan in tc puree, ‘checl as payment, yeu aubesize us either ta use inleumalian tren your ‘check la make @ one-line elacteanie fund transfer tram your acento to PROMOTIONAL CREDIT PLAN TRANSACTION FEE. If you make a purchase proces the iar as a check Transaction. Whenwe use infoaration fem under 3 pecmalional Cracit Plan, wn add 3 Iransaciion fee a $9.95 pet ‘Your eneck 10 make an electinic fund Wansies, funes my be wilncrsun areselion (tom yeur accoun! as soon as & sme cay ve fec ‘your payment, ard BALANCE COMPUTATION METHCO. We catculaie interest separa ‘you wil nol receive your check back from your Hnsancial insliulicn, 2h po Enlace ony aceeinusing 2 “Ca Balance” to determine imleses| charges tar eae ‘We figure the interest Your accel ty apne the peste ale to he “cay ‘accoun! tov each ey in the billing, cyele. To gel the “daily balance” we Sak Ine begin Hola yum accom! ach day, al ens, and sithtract | ay pment es iin ya Gras palance a8 aera balance, Tis gras us the dalybaPAYIKENTS.pe crete Pay taRecent by the nt due date hy the time listed halow. Howe do not receive your payment in a cv 1 oxen faulted bate) it year Account ive gs, oF many he rejected. Also, your feymenl rast teach vecty the payment culoll line that ales taIe payment method you select.Cereel Format. Cnet areal fx diferent peaymentre!Mailing ar Oveinight: ‘honey tay aeelers chock or exsie's check payahein US. doas, to he name antes shenonThis Sfaleraent in the Sard gayraeea persish area containing your balance and ain an De san inclue your paymentsli, cane tae or ‘fayment In ie sluh, include yaw accouni number on yeu" check, use the envelone peaswi‘wih your Sialement, send a‘pajnent sub and da nai seee ary correspmnane Dajmenl, Yel should evamighl a payien| to 3000 Kelhaay Orie, 5 fe a carl22606 ane the aia aleqemens ihe Sane AS lr inal payoenis nless ier sade i ih law ihe Paymenls eked “Pad In Ful inl sens cash or gilt cerlficates, Pay By Phane: You can call us tol foe at 1-844-271-2708(1 18348 19-191) Iocan make papitents in slo, ie oan hy tls, whch ay neha 9 ate OMe: Yas con mane 3 yen eine at comey-neVEle, fmSLre Yo et Cult Tes, Papin cil limes trustees mes re Ie due datean this Stalin! in tha snarl shu ae at thafat ‘i (PT: Onfine: By $00 mn (1 eit fosstores Fy tbe Timethe stré claws atteba inalionOvernight yas make Byjour(eX pan asin Tie (Ds Pay pyre By hn New Information Tile (optional First Name 1 Lest Name, Soe. Sec. No. ‘Street Address Apt. No. RR PO Bax city State Zip Code Foreign Map Code Horne Phone Work Phone Email AddressPAGESOF ¢ Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD ‘on page 2 for more details. Minimum interes! charge may exceed interest charge below, par your credit card agreement. TPE OF BALANCE SUBJECT INTEREST BALANCE APR TO INTEREST RATE CHARGE Purchases 29.9900% 269.17 641 Plan 412-00001 OF INT LOW FMT. 29: 900% 0.00 0.00 Plan 452-00001 OF INT LOW PMT. 29,9900% 980.12 0.00 (001-00001 | Purchases oniaiNAL oft GINAL previo TOTAL PURCHASE MASE "AMOUNT ‘OATE exernes BALANCE4 PURCHASES ‘a CHARZES PAYMENTS ‘CREOTS, NEW PLAN ALANCE PLAN mnnue ACCRUED INTEREST NA NA NONE 260.49 47.41 0.00 307.90 5.00 0.00 ‘412-00001 There is no payment due on this pian option at this time. If you would like help determining the amount fo pay 10 avoid interest charges on any regular purchases and Zoro Interest Payment Plans, please contact us al ihe Customer Care phone number an this slalement or the back of your credit card, onal oniaNaL PREVIOUS TOTAL PURCHASE ‘AMOUNT renege exriies BALANCEaN PunCHASES"2 CHARGES, PAYMENTS ‘SCREOTS, NEW PLAN BALANCE wnt ACCRUED INTEREST $88.05 ogo32021 os/o4/2022 1,491.54 0.00 1,491.83 0.00 0.00 0.00 4452-00005 12 MONTHS DEFERRED INTEREST, LOW PAYMENT: No Interest if paid in full within 12 months. Interest wil be charged 10 your Accoun! from the purchase date althe purchase APA of 29.99% the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credil Pian, Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Some balances may be paid off before the promotional pertad ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction : . only. ofIGINAL OnlcNAL Previou is ToT PURCHASE PURCHASE PURCHASES. PAYMENTS NEW PLAN ACCRUED ‘AMOUNT DATE exes BALANCE ‘CHARGES a cREDITS BALANCE mans INTEREST $1,491.59 05/91/2022 09/04/2022 0.00 1,491.53 0.00 1491.53 15.00 978.60. IMMEDIATE ATTENTION REQUIRED! Your Account extremely past due and will be written off as a bad debt at the and of this month. To avoid this, you can pay the Minimum amount shown on this statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will Still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089 {TDD/TTY 1-888-819-1918) and we will find a suitable payment before the end of this month. If writtan off, the bad debt will be reported to the three major credit bureaus and our Recovery team will determine tha appropriate steps, as permitted and available under applicable law, to protect our interests. IMPORTANT INFORMATION ABOUT LATE FEE CREDITS. We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. It we do, we will charge a fee of up to $41.00 for any subsequent lale payment. In addition, we may reverse the credit and repost the charge to your account if you fail to make the minimum payment due on or before the due date in the next billing period. How can you take charge against ID Theft? Visit idtheft.gov to find out.PAGES OF 4vn PAGE 1 OF 2 Tine ‘Accaunt no. 4825 ‘New balance $0.00 Minimum payment due 30.00 Previous balance 431,799.43 Payment due date 07392022 Payments -0.00 it you make no odditional You will pay off ‘And you will Other credits 1,799.43 charges using this card the balance shown | end up paying an Purchases +0.00 ‘and each month you pay: ‘onthe statement estimated total Oiher debits 40.00 in about: of Fees charged 40.00 ‘Only the minimum payment 4 years 31,799 Interest charged +0.00 For information regarding credit counseling services, New balance: +50,00 call 1- Past due amount 30.00 Credit limit $1,620.00 Available credit $0.00 ‘Statement closing date 0630/2022 Days in bling cycle 4 WARNING: Promotional Plan{s) ENDING SOON! YOU MUST PAY THE BALANCE $1,491.53 OF YOUR PLAN 12 MNTH OF INT LOW PMT IN FULL BY 09/04/22 TO AVOID PAYING ACCRUED INTEREST CHARGES. ‘TRANS DATE ‘TRANSACTION DESCRIPTIONLOCATION ‘AMOUNT 96/30/2022 CHARGE OFF ACCOUNT-PRINCIPALS. “1,491.53. CE IARGES* GE Interest charged Interest Charge on Purchases $0.00 2022 totals year to date Total fees charged in 2022 $249.00 Total interest charged in 2022 $19.90 TYPE OF BALANCE SUBJECT INTEREST @ALANGE APR TOINTEREST RATE CHARGE Purchases 29.99% 0.00 (DA) 0.00 42DS=L 2215101 12 MNTH DF INT LOW PMT 29.99% 0.00 (DA) 0.00 ORIGINAL ‘ORIGINAL PREVIOUS TOTAL PURCHASE PURCHASE PAYMENTS: ew PLN PLAN ACCRUED ‘ANOU: ATE extnes BALANCE PURCHASES ‘CHARGES ‘SCREDTS BALANCE vine INTEREST NIA A NONE 307.90 0.00 307.90 0.00 -29.00 0.00 OLAS "You musi pay your plan balanceof $1,631.59 in ull by NONE to avald paying micvestGharges aie higher purchase APR noled above. ont aL PURCHASE ORIGINAL PREVIOUS PURCHASES PAYMENTS NEW PLAN PLAN Tora 

Related Contentin Marion County