Complaint July 22, 2024 (2024)

 
Preview
 ROBERT K. HANNA, State Bar No.: 341970 JUNQIAO XIAO, State Bar No.: 341670 1 HYO JIN JULIA JUNG, State Bar No.: 316090 2 MICHAEL D. KAHN, State Bar No.: 236898 LAMONT FREEMAN, State Bar No.: 349862 3 MIDLAND CREDIT MANAGEMENT, INC 350 CAMINO DE LA REINA, SUITE 100 4 SAN DIEGO, CA 92108 Telephone: (866) 300-8750 5 Facsimile: (858) 309-1588 6 CaliforniaLegal@mcmcg.com California Debt Collection License #10644-99 7 Attorneys for Plaintiff SUPERIOR COURT OF CALIFORNIA 8 COUNTY OF SACRAMENTO 9 GORDON D. SCHABER DOWNTOWN COURTHOUSE10 MIDLAND CREDIT MANAGEMENT, INC. Case No.11 Plaintiff, COMPLAINT FOR:12 vs. (1) Account Stated13 SHEREE N CORBETT; PRAYER AMT: $1,329.3414 and DOES 1 through 10, inclusive LIMITED15 Defendant.16 MIDLAND CREDIT MANAGEMENT, INC., ("Plaintiff"), by counsel, sues SHEREE N CORBETT,17 (“Defendant”) under Account Stated and in support thereof states:18 1. Plaintiff is authorized to do business in CALIFORNIA, with its principal place of19 business at 350 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff20 owns portfolios of consumer receivables, which it attempts to collect. Plaintiff strives to21 treat its consumers, such as Defendant, with respect, compassion and integrity, hoping to provide mutually-beneficial opportunities for consumers to repay their debts and attain22 financial recovery.23 2. Defendant is a resident of SACRAMENTO County, State of California and is subject to24 this Court’s jurisdiction.25 3. Plaintiff is unaware of the true names and capacities of Defendants sued by the fictitious26 names DOES 1 through 10. Plaintiff will ask leave of court to amend this complaint as27 and when the true names and capacities of Defendants named herein as DOES 1 through28 10 have been ascertained. Pursuant to California Civil Code (“CA CIVIL”) §1788.58(a)(1)-(9), Plaintiff alleges: 4. Plaintiff is a debt buyer as defined by CA CIVIL §1788.50(a). -1- COMPLAINTCA_0132G File No.: 24-150350 SCP 1 5. Defendant established an account (the “Account”) with COMENITY CAPITAL BANK. 2 The amount due is the result of transactions that occurred on the Account. Defendant was provided statements evidencing Defendant’s use of the Account and the balance due. 3 Defendant failed to make the required payments and subsequently defaulted on the 4 Account on May 11, 2022. Thereafter, Plaintiff was assigned all rights, title, and interest 5 in the Account. 6 6. Plaintiff is the sole owner of the debt. Attached as Exhibit A is a true and correct copy of 7 the Bill of Sale from COMENITY CAPITAL BANK, to Plaintiff. The Account was 8 purchased by Plaintiff on November 28, 2022. 9 7. The Account balance at the time of charge-off was $1,329.34. Plaintiff alleges that the date of default is May 11, 2022 and the date of the last payment was March 15, 2022.10 8. The name of the charge-off creditor at the time of charge-off is COMENITY CAPITAL11 BANK. The address utilized by COMENITY CAPITAL BANK at the time of charge-off12 was 2795 E. COTTONWOOD PARKWAY SUITE 100 SALT LAKE CITY,UT 84121.13 At the time of charge off, the account number associated with the debt was14 XXXXXXXXXX-XX-2816.15 9. The name of the debtor as it appeared in the records of COMENITY CAPITAL BANK is16 SHEREE N CORBETT and the last known address as it appeared in the records of17 COMENITY CAPITAL BANK is 373 HANSEN CIR FOLSOM CA 95630. 10. The name and address of all post charge-off purchasers of the debt are as follows:18 Name Address19 MIDLAND CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN INC. DIEGO CA 921082021 11. Plaintiff has complied with the provisions of CA CIVIL §1788.52. Plaintiff informed22 Defendant of the assignment of the Account.23 12 Pursuant to CA CIVIL §1788.58(b), attached as Exhibit B is a true and correct copy of a24 monthly statement recording a purchase transaction, payment, or balance transfer while the Account was active as required by CA CIVIL §1788.52(b).25262728 -2- COMPLAINTCA_0132G File No.: 24-150350 SCP 1 13. Pursuant to CA CIVIL §1788.58(b), attached as Exhibit C is a true and correct copy of a 2 billing statement that was mailed to Defendant stating the balance due on the Account at or around the time of charge-off. 3 14. Plaintiff acquired all right, title, and interest to the Account. To the extent that Plaintiff 4 acts in its capacity as successor-in-interest to the original creditor or its assigns, 5 references herein to Plaintiff may include Plaintiff’s predecessor-in-interest. 6 15. Plaintiff has attempted to contact Defendant through several means in an effort to resolve 7 the Account, but has been unsuccessful. Defendant has not repaid this debt. Plaintiff 8 works with consumers like Defendant to find mutually acceptable solutions, often 9 offering discounts, hardship plans, and a variety of payment options. The majority of Plaintiff's consumers ignore calls or letters, and some simply refuse to repay their10 obligations. When this happens, Plaintiff must decide whether to pursue collection11 through legal channels, including litigation such as the present action against Defendant.12 Nonetheless, Plaintiff remains interested in discovering a mutually beneficial solution13 through voluntary payments, if possible, in this case.14 16. Before commencement of this action, Plaintiff informed Defendant in writing, that it15 intended to file this action and that this action could result in a judgment against16 Defendant that would include court costs allowed by California Code of Civil Procedure § 1033(b)(2).171819202122232425262728 -3- COMPLAINTCA_0132G File No.: 24-150350 SCP 1 FIRST CAUSE OF ACTION 2 ACCOUNT STATED 17. Plaintiff realleges and incorporates by reference the foregoing paragraphs. 3 18. An account was stated in writing between Defendant and COMENITY CAPITAL 4 BANK. Defendant opened and derived benefit from the Account. By using the Account, 5 Defendant expressly or impliedly promised to repay COMENITY CAPITAL BANK. 6 Within the last four years, Defendant became indebted on the Account. 7 19. On the Account, a balance of $1,329.34 was stated to be due to COMENITY CAPITAL 8 BANK from Defendant. Plaintiff has no record of Defendant objecting to the balance 9 due. 20. Before the commencement of this action, Plaintiff was assigned the Account and10 indebtedness. Plaintiff is now the sole owner of the Account.11 21. Plaintiff has made a demand on Defendant for repayment of the Account, but Defendant12 has failed to pay the balance due.13 22. The current balance presently due and owing is $1,329.34 which includes payments, set-14 offs, credits or allowances, if any, at or after charge-off.1516 WHEREFORE, Plaintiff requests judgment against Defendant for $1,329.34, costs of this action and post judgment interest at the statutory rate. Plaintiff waives any claim for pre- judgment interest and17 attorney's fees.181920 Dated: July 17, 2024 MIDLAND CREDIT MANAGEMENT, INC.2122 By:23 □ ROBERT K. HANNA / JUNQIAO XIAO □ MICHAEL D. KAHN / HYO JIN JULIA JUNG24 □ LAMONT FREEMAN □ ~25262728 -4- COMPLAINTCA_0132G File No.: 24-150350 SCPEXHIBIT A EXHIBIT A BILL OF SALEComenity Capital Bank ("Seller"), for value received and pursuant to the terms andconditions of that certain Credit Card Account Purchase Agreement dated January 4,2021 between Seller and Midland Credit Management, Inc. ("Purchaser"), its successorsand assigns ("Credit Card Account Purchase Agreement''), hereby assigns effective as ofthe Closing Date of November 28, 2022 all rights, title and interest of Seller in and tothose certain Accounts described in the Credit Card Account Purchase Agreementand Schedule 1 (the "Asset Schedule") attached hereto and made part hereof for allpurposes, to Purchaser.The information contained in the Sale File (collectively, "Seller's AccountsInformation") is true and complete as of the File Creation Date. Further, all of theinformation contained in Seller's Accounts Information (a) constitutes Seller's ownbusiness records regarding the Accounts and (b) accurately reflects in all materialrespects 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 informationtransmitted 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.COOY CAPITAL BANK Midland Credit Management, Inc.By: /2{14-(_~k By: µ ~ f 0 ' r ~Date: /;J../7 f?P?Y-- Date: 1/5/2023 r ITitle: Chief Credit Officer Title VP of Business Development SCHEDULE 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_MF_NOV_2022_DPL_CCB.TXT;MCMG_MF_NOV_2022_LCS_CCB.TXTdelivered byComenity Capital Bank to Midland Credit Management, Inc. on November 21, 2022and summarized in the table immediately below (the "Sale File"}. # of Charged-off Aggregate Unpaid Balance Percent File Creation Date Accounts ll/21/2022 PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORTGlNAL CRED.ITORSTATE OF: UTAHCOUNTY OF: SALT LAKEOn ._[_ _,f...;,;2..;;..._,_/7__,)1-'2-D:::___;;_~..;.7- _ __,. Bruce A. Sweeten ("Affiant") being duly sworn, deposes and says: 1. Tam over 18 and I am the Chief Credit Officer of Comenity Capital Bank ("Seller"). In that capacity and as part of my regular job duties, I 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. 2. Seller owns certain accounts, and maintains and records information in the records as they relate to such accounts. I am authorized to make the statements and representations set forth in this affidavit on behalf of Seller. The statements set fo1th 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. 3. 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 lncluded 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. 4. On or about 11/28/2022, Seller sold a pool of charged-off accounts (the "Accounts") by a Credit Card Account Pw·chase Agreement to Midland Credit Management, Inc. ("Buyer"). The original creditor at the time of charge-off was Comenity Capital Bank. 5. Pursuant to the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over and delivered to Buyer and its successors and assigns, good and marketable title to the Accounts and any unpaid balance free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest. I am not aware of any errors in the Accounts. 6. In connection with the sale of the Accounts, electronic and other records were transferred to or otherwise made available to the Buyer (the "Transferred Records"). The Transferred Records have been kept in the regular course of Seller's business, and were made or compiled at or near the time 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. 1 certify under penalty of perjury that the foregoing ls true and correct.FURTHER AFFIANT SA YETH NOT.Signed this 7 f.b.. day of December, 2022.Bruce A. Sweeten (AFFIANT NAME)Comenity Capital BankSubscribed and sworn to before me Jennifer Pardue, on this 7'1"-- (date) day of December,in the year 2022, by Bruce A. Sweeten, who proved on the basis of satisfactory evidence to be theperson whose name is subscribe in this document. JENNIFER PARDUE Notarv Public - Stal~ or Utah comm. No. 718844 M'f Commisslon Explrti on Jun 17. 207.5 CERTIFICATE 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.December 131 2022 ~ v~Date Attorney at Law for the State of UtahField Fi IAccount Number 00 816Seller Account ID - 3239First Name SHEREEMiddle Name NLast Name CORBETTSSNDate of BirthAddress 1CityState - XXX-XX-2049 373 HANSEN CIR FOLSOM CAZip 95630Open Date 10/08/2021Last Purchase Date 01/14/2022Last Purchase Amount $1,014.71Last Payment Date 03/15/2022Last Payment Amount $35.00Sale Amount $1,329.34Charge Off Date 10/31 /2022Charge off Balance $1,329.34Post 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 IKEAAlternate Account #1 5144Account information provided by Comenity Capital Bank pursuant to the Bill of Sale/Assignment ofAccounts transferred on or about 11 /28/2022 in connection with the sale of accounts from ComenityCapital Bank to Midland Credit Management, Inc.MCMG_MF_NOV_2022_DPL_CCB.TXT; MCMG_MF_NOV_2022_LCS_CCB.TXTEXHIBIT B With the IKEA• Projekt credit card, get: 0% inmrest for 6 0 % interest for 12 0% interest for 24 months on a purchase months on a purchase months on a purchase of $500 or more of $1, 500 or more of 5, 000 or more After that, st andard purchase APR of 21.99% •. PAGE I OF 4 Summary of account act1vIty Payment 1nformat1on Account r10 . • ••• _. ..._... . _2816 Nt'w balance $972.71 Minimum paymt>11t duf:l' $39.00 Prt!viuu:s balar,ct' $978.71 Save on Interest Payments.' •1 $63.00 Paymt>111s -35.00 Paymeut due dale 04/ 11/2022 Other c-edits 0 .00 Purcha:st>s 0 .00 Late payment warning: If we do not -er;.eive your minimum payment by 04/11/2022 you may Other debits 0 .00 have to pay up to a $40.00 late fee Fees charged 29.00 Iritti-rt'st chargt>d 0 .00 Minimum payment warning: II you make only the minimum New balance $972.71 payment for each pe-iod, you will pay more in interest ar1d it w ill take you longer to pay off you· balances . For example: Past due amount 0,00 Credit limit $1,300,00 If you make no additional You will pay oft And you will Available credit $327.29 eharges using this card the balance shown end up paying an Statement closing date 03/16/2022 and each month you pay; on th~ ~tatement e~tlmated tobl Days in billing cycle 31 In about: or: Only tht= 111in irnu111 P<:1yrr1~11t 3y~w..s $1235 Fur ir1fu-matk.m regarding c,;r~dit c,;uur1s~li11g s~rvic;t,s, call 1-800-284-1706. If you do not pay your Plan 806-00001 balance of $943.71 by Jul 17, 2022 any renia ining ba la1ce will be assessed inte·est at t he standard pu-01ase A 0 ~ .rn lf y:::,u ret urneJ an item t hat was o n a pr:::,motio1a l pla1 anJ 1ave questions with h:::,w the return was app lied to your account, p ease call us, Skip sign ng in to pay and use C:::imen ity's Easy:iay. It's saf e anJ co nven ient. J5e your s-nartph:::ine C3Tiera :::ir co Je reader to scfln the QR c:::ide pri 1ted 01 your pay11ent sLn below to get started . PROMOTIONAL PLANS: You made a purchase that was placed on a promotional plan in accordance with the details found in the "Additional Important Messages" section. If you wish to remove your purchase from the promotional plan and place it on the regular revolving credit plan, please contact us at 1-866-337-5539 [TDD/TTY: 1· 888-819-1 918). This request must be made by the Payment Due Date shown on the first billing statement reflecting the purchase Details of your transactions T RANS DII.TE TRANSACT ION DESCRIPTION/ LOCATION AMOUNT 03/1512022 PAYMENT - THANK YOU -35.00 Fees 03/ 11/2022 LATE FEE 29.00 Total fees charged for this period $29,00 Interest charged Interest charge on purchases $0,00 Total interest for this period $0,00 2022 totals year to date Tutal f~t:ts c;harg~d i11 2022 $2900 Total iriteri,st cha-ged i11 2022 $0.00 -- -- -- -- --- -- --- - --- ------ -- -- -- --- --- ------ ---- -- ---- - --- --------- --- ------- -- --- -- ----- --- - --- ---- -- -- \JOTl::::E: See ' twerse side for imp:>rtam inf:irm::itio n Please tear al perforati o n above Accou1t mmber Minimum payment $972.71 I $39,00 99 3 Mailed payments must reach us by 6pm ET □ Yes, .1hctvt= rnuvt=d ()r updtttt.'d my A.mount on 04/11/2022. e-mail address - see reverse. e ncloud: $ Please make check payable to: COMENITY - IKEA Projekt card l1 11 1lll l 11 1I l11llllll 1lill1l 11l11 1ll1l1llll 11 ll 1ll1ll1l 1lll1111i Please return this portion along with your payment to: S H EREE N CORBETT 373 HAN SEN CIR PO BOX 650964 FOLSOM CA 95630-9519 DALLAS TX 75265-0964 111111lllll1l1111•1ll1111llll1ll1i11l111ll11l1l1lll1ll11l•1lllll1 476 01 011 00036B94 2B16 000003900 000097271Keeµ this i,urtiu11 fur yuL1r rct:ords. CREDIT REPORTING. W1~ ·IIi:1J 1q .)()rt i·1tu··11<:1tiu11 :::1b,.ut yu.11 :1L·.cou1 1t tu c11:::Jit bu·1:::1us. L<1te :Jc1y111i::r1ts. ·11is::.::ld :>i:ly11ri::11ts. vI uth,::11j~fc1ulb L•i1yuuWhat To Do II ro~ Think ro11 Firrct A Mistake On Yo11r Statement .ic::o.1rr! 111;-iy b,:-1 -~1( e ::led i ·• yo.JI ::redil 'P.porl I }'ll.J thirik Lll eri:' ::;. clll t''"OI 011 your :;l;;rlelllt'"lt. wri lt' tu LIS ;:at : Co111::lr1ilt NOTICE OF CREDIT REPORT DISPUTES. II y:.>1.I ~eli::l•tl:! tlt> c:1t.:t::.>u11t::.:c1:.>il::tl ~cm-1., ..:io :bx 182620. C:.>lu"n:.>us. UH 4 3218 2620. In your lim er. ir1tom1:Jt i:Jr1 we 11,:~)()l ted to cl C:JIISUll li:!I I i:!p:.irti1II;! n~.1~·1L'.}' i:; i11<:1 :.:L"..Jl<1le, yuu us tl1c to lowing I1i o•11atIon; Tl.iY s1JhT1it ;i rlir:~r.t rlisputc~ !o l,orrnmity C:;ipil.il P,;m k , ro Rox I ~? 1?0 , /lccount mtorr.riJt1on: Y::1ur name and ::iccount numocr. Col.J111bu::;. 01 1 4:3218-2120. 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Lu i if you tb we :rrt' ri;;.l rl:l4ui1 ed l :,;, i•1;1'dsl igale clll't' :.>ulentic1I tm u·s 'dX:Jl<1i11'A"hy yuu b::l lie\'i:l ii is ir1c1t.:cwc1teand you 11ay have to pay tl1c annunt 111 qucstI01 . Wh le we 1n"1:::stIgatc • Supporting Docum~ritation: II ~1Ji-tili:1:ile. pr:,,1idP.- a ::iny of 111~ secli<~n Illwl11:"l hi:'r :.ir nol 1i1em nc1s UlltHI dil i:'trur, lhe lo luwirig;He Lru'd: the cr:::d I re;>ort shuwr,g th::: account 111tormat1on you arc d1s:::.l1t 1gt W::: :::a1not try to :::ol lcct th::: amount 111 quc5t101, or report p u as dclrnri11~nt on 17.il ;-rno.mt. We will ir1ve~l i~i::1le L·Ie :Ji~µ.J\eJ ·1!ur111c:1l on c1·1U ·eµort l he re~ul l::; lo ~•:Ju wItt1I1 Jl) Jays ot rcc::: Ipt ot tt1::: 11to·11atIon ncc,jcd tor our invest g:1t Ion. It• Th<1 d 1;.irge in :1ue:-;.t i:m ·n.i)' mm,1in 0-1 yo.Jr slnlmwn1I . .i·1d w~: ;n;-iy we l irid t/1::tt lhti <1:.:cou·,t i ·1for111<1Lion we re:.>o·le:J is i·1c1ccur::1te. WI:! will cor1li·1ul:l' L:,:, :.:lt::trge p u irili:'rt>sl on l h::tt ::1rmurIL. Bul. ir.-re delermi ·1e llrctl orcnnt ly p-o,rijc tic n:::ccssaIy :::orrc:::1I011 to c::ic1 co1sJ111e- rcoo1mg WI:! ·11t1de a r11ishHt! . rou will 11ot 1<1•.•~ b pci)' the amount i111.1uesti:,:,r1 oi 1:1gl:l'rI~v lo w·1id1 we ·eµorti:!Ll t·1e inlorrr1:::il ior1. cmy i11t1:"1est 01 utl1e1 te~:; 11:ddtl:!j tu t11::1t ::1111L1.111t W!1I I::: yoJ jo 1ot I1:1,,c to oay t he a11ou1t 11 :iucstIon, you arc PAYMENTS MARK.ED ·PAID IN FULL· , /\II W'lttc1 :::cn1mu111cat Oil$ rcca'dm~ 1j isvut;::J i::111Iuu ·1ts t 1o1t i111.:lud::: c1IIy cll:::L:-t uI uth1:i1 µc1y111;::11t il1st1u1r1:::11t -csronsIblc tor the 1::-rnamJcr 01·pur bala1cc. 1m·lcd with '"pay11cnt n tull'' or sIm1l:1r lancuacc, nust be- sent to; :JOJO• W:) ::.i·1 ;-ipply .i"IY unp.iid ;m1:1unl ;-ig;iirisl y11.Jf credit limit . Kellway lh11e, Su I~ 1/)Car1ulll.:M1, TX 7 500(. Your Rights If Yoe, A,e Dissatisfied With Your Credit Card Purchases. f ;•o.J DO NOT lJS' TH ' F~GI OSF, RF W TTANGF FNVFI OPF.ired s;;;-ilisried wilh l hi~gnods or s-:1111ir:es !h,;,I pu ·1.i'.'~ pu-chnsed wil ·1 - w~IrIc1y i:1l'.t:i:!l)t l)d}'lll~l lt ser1t to clllJ otlw c1dJ·es:; witllout !u~i·1i; i::lflY lit c:·l:!dit cc1r1j . <1111j }'U.1 have tr i'dd i11 BO:.>d lc1 t h t:., ;;u· ·l:!;;t tllf:! :.,rutil~r11 O IJ' r ighl s ltn~m<~r::hrnl . yrnJ ·nn:i• tinvP.- lhc ri~t1I nol lo p.i)' l h(·: -ern,;, ·1ing ;.11m>Iml - \Jo :,:,o1yrr1:::11t ~llc1 I oµ,:::1<:111~ i::I~ crII i:lt::.:u·d :111J ~tist"c:il:tiu11'llith1Jut µ1 1JIju!-:! uII th::l ~un:1ds~. l u us!-:! this ;i~1t. ctll vt l h!-:! tulb•,vi1 1t! ·1u:;t b~ t 1u,:: ; w·ilh:'"l apprtNi::rl1. l h~ p_1rchdse 111ust hd\'e 001,n 1r1d::h:: iri pur hu1ru:i st::tte ll. within 10:) CUSTOMER SERVICE. Vi::;it i,;011nmity.r1t?VIK.EAµroj~kt l r cc1IImiles ot your cu--cnt mailing :tddrcss. and t1c purchase pr Ic::- must have 1-860-.TJ/-~'...d )( U DI I IY l -88B-819-Hl8) .h.11)n mor:~ lh;m :f;~O. ({•.'nli.' , Nr:-ilh<~r of thes~ is nec:~sS.i)' if:i,n.H p.m:tl.is1) TELEPHONE MONITORING. lo rrovIdc YOJ \fil\h high (JUU'dt:1se. Pur:.:11:r:;es rr1<1Ue on Ll1!:! rr:.M1l or v:,1ur sl~le1rnml, rne~ri Lhe lol l:.iwing: V ·ne;m s v~·il.D le rdl ~with casll advan:::cs t·om an 1\l \'l or wItt1 a check tl1at a:::ccsscs you- c-cdIt a11s rcttc may '/alY); WV \J I P1\Y f{U 11eans W/\IVI:. IN I l:.H:.~ I . fJ/\YMl:.N I:.:ard ()?0 fJ/\YMl:.N I . It YCIJ have a vanatilc rate ac:::oJnt . your period Ic --at~s may Ir ny.WhI I: w::: invest igate, tl1c sa11c ru cs ::irply to tll::: dIspJtcd ::imount as Yu.11nc1y JJr1Lh. W':': wil! l>':':!,;irr lo 43218-3043.:::hargc 111t:::rcst on new pu-chascs rnaJc JnJcr a Low /\1-'H, :.qua I Paym:::nt:JI 3uJi,!.:tily l.S<1l<111ce'" t:J Jeti:!rlltirre :,;,1uc'ds::; l '1e p<1yi1IerI\ d::. c1 dleck l rar1:;c1clior1. WhtHI Vl't' use i11!01111;:at b r1 110111 inleresl I:H 'ges fw ~nch hilli·is p~r io:J. w~ rig.we I·1e inler~sl c:-1arg,~ :HI ~·our chc:::k to m:tkc an ::-I:::ct-ornc tund tra15fcr. tund5 11ay be wIthd--awn i:1co;;:.,u11t ::ly i:1:)JJ y i lt; thi:! peI ioJil: 1i::ltl-;! tu hi.) "1foi!y bdli:1:1L:e" ot )'LI.JI !·u111YOUI c1c:.:u.111t i:IS SUOII d:S the :xllll'd ::lc rson<.1 I chc:::k, money ordc·, t raveler's c , eek or cash1c-·s check. r>ayablc in U.S, dolla-s. to th::- name and addr::-ss 5ho,;.-n oriL11i::; Sl<1L;;-rne·11i·1 Lhe :.><:1t•111;;-11L ::;Lull e1·e<1 c:,:,r1Lainir1g yoLJ' Ucl l<1rrc;;- ard ruini111u111 µc1y111erIL e1111ou ·1t. l1e ::;ure lo ir1:.:luJe your pe1y111e11t sluD. Ju rul ,;.t;::rµI;;- :.,1:.:li :.i vu_11 pc1y·ne·11 Lu Lile ::;Lub, irn..:lude vour c1crnLJ·1t ruml>l:l'1 :.irI p ur che:.:k, u::;I:' lhe erwi:l'l:Jl)i:l' µ·01Ji:Je:J will1•; our Sl.uo .{.cl lway )rive, Suite 120 Carrollton, IX / ::iUUb and tl1c aJdIt Ional format --c::-i!JIr:::me1ts a·c I nc sarn::: as othc· mailed payn~nts Jn lcss t1c--c Is a JIs;>utc, m whI:::t1 case you to low th::: l'ayrncnts \'l::1rkc j "Pad n t uIr· sect on a::1c,va:. Llo 1c,t send :::as!1 O' e1tt :::e11t 1cates. Pay By Pr1011e: Yo.1 c a1 call u5 t:::,11 tree at 1-8bb-3:J/ -~~39 ti )Y I lY 1-888-819- LY.18} t:J 111~k•~ t1v::111111~11t by t~li:!vho11,::: , "A"1 it:11 ·I1c1y irdu,i~ i:1 te1~. 011fim:: Y:Ju c:tII ·11c1ke ct pc1yr11e·1t :.,11 i1 1~ ,:1t cunnmity .m:t/lKEAprujt:kt.Pc1yrncr1t Cutoff Tiu~::;. 1-':1y-11e1 rt L:Jtull t i1rn:::;fd,:::c111lir1es tu1 JS tu I ei.::e n pc1yme·1ts we by t1e Ju!-;! rfote uI I this Stcrt:::111e·1t ·1 thP. :Jtt~•111:::c11t stut1i::l·ea c1t t hetul uw ·1t; t ilr1'ds; M<1ilirrrarr _ _ _ _ First Name _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Ml _ _ _ __ Last Name _ _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Soc. Sec. No. _ _ _ _ _ _ __ Street Address _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ Apt. No. _ _ _ _ __ _ _ _ RR _ _ _ _ _ __ _ _ _ PO Box _ _ _ __ _ __ _ __ City State _ _ _ _ _ Zip Code _ _ __ Foreign Map Code _ _ __ Home Phone _ _ _ _ __ _ _ _ _ __ _ _ Work Phone _ _ _ _ _ _ __ _ _ _ _ _ __ Email Address _ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ PAGE 3 OF4Details of your plans ORIGINAL ORIGINAL PREVIOUS TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN PLAN ACCRUED AMOUNT DATE EXPIRES BALANCE & CHARGES & ·CREDITS BALANCE M INIMUM INTEREST NIA NIA NONE 285.75 40.00 0.00 331.30 332.00 5.5506WS%R·2201 This Promotion has ended. You will continue to see these details until the balance is paid in full. The balance is now included in your 401 current balance and minimum payment due. ORIGINAL ORIGINAL PREVIOUS TOTAL PURCHASE. PURCHASE PLAN PLAN PURCHASES PAYMENTS NEW PLAN PLAN ACCRUE.0 AMOUNT DATE EXPIRES BALANCE &CHARGES & ,CREDITS BALANCE MINIMUM INTEREST $1,014.71 01114/2022 07117/2022 979.59 0.00 0.00 998.04 0.00 0.00Add1t1onal important messagesProtect yourself against mail and phone consumer fraud. http://about.usps.com/publications/pub281/welcome.htmThank you for enrolling in paperless statements. Please note that your account payment is past due and you willcontinue to receive a paper statement until your account is current. To change your paperless statement preferences,login to your account and select My Profile.IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past d ue and will be written off as a bad debt SOON .To avoid this, you must pay the Minimum payment amount shown on this statement at least 4 days prior to the end of themonth in which this statement closed. You can find the Statement closing date in the Summary of account activity onpage 1 of this statement. If you are not able to pay the Minimum payment amount. we may still be able to assist you. Callus immediately at 1-855-617-8089 (TDDITTY 1-888-819-1918) to discuss your payment options. If written off, the baddebt w ill be reparted to the three major credit bureau$ and our Recovery team will determine the appropriate $tep$, 8$permitted and available under applicable law, to protect our interests.IMPORTANT INFORMATION ABOUT LATE FEE CREDITSWe may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If we do, we willcharge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse the credit and repost thecharge to your account if you fail to make the minimum payment due on or before the due date in the next billing period.------ 

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