CRIFS/Unredacted Document July 24, 2024 (2024)

 
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 24L6-AC00974 IN THE CIRCUIT COURT OF LINCOLN COUNTY, MISSOURI ASSOCIATE CIRCUIT DIVISIONMIDLAND CREDIT MANAGEMENT, INC. Case No: Plaintiff,vs.EDWARD O TUEPKER Defendant. COMPLAINT Plaintiff, MIDLAND CREDIT MANAGEMENT, INC., by counsel, sues Defendant, EDWARDO TUEPKER , under Account Stated and in support thereof states: 1 Plaintiff is authorized to file this Complaint in this Court. Plaintiff owns portfolios ofconsumer receivables, which it attempts to collect. Plaintiff strives to treat its consumers, such asDefendant, with respect, compassion and integrity, hoping to provide mutually-beneficial opportunitiesfor consumers to repay their debts and attain financial recovery. 2 Defendant is subject to this Court's jurisdiction. 3 Defendant established an account with COMENITY CAPITAL BANK, under redactedaccount number XXYXXXXNXXXXNX-XXXX. 4 Defendant was provided statements delineating Defendants use of the account and statingthe current balance due. 5 Defendant defaulted on the account. 6. A statement of account balance.was sent to Defendant and not paid. 7 Plaintiff has acquired all right, title and interest to Defendant's account, and hasattempted to contact Defendant through several means in an effort to resolve the account with Defendant,but has been unsuccessful. Defendant has not repaid the balance owed on the account. Plaintiff remainswilling to discuss various options to resolve the outstanding obligation, although the options may bedifferent than they were prior to the initiation of litigation. 8 Defendant owes Plaintiff $754.78. 9 In support of the allegations, Plaintiff incorporates herein by reference the attachedExhibits.GL_0100G File No.: 24-134642 SCPWHEREFORE, Plaintiff requests judgment against the Defendant for $754.78 and costs of theaction and post judgment interest at the statutory rate. By: /s/ David D. Backer, Esq DAVID CAVINESS 43955 DAVID D. BACKER 41685 Attorneys for Plaintiff P.O. BOX 410949 KANSAS CITY, MO 64141 Phone: (866) 300-8750 Fax: (866) 629-6496 IL_MissouriFax@memeg.com PLEASE UNDERSTAND THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.GL_0100G File No.: 24-134642 SCPDepartment of Defense Manpower Data Center Results as of: Jul-12-2024 09:35:23 AM SORA 521 Status Report Pursuant to Servicemembers Civil Relief ActSSN:Birth Date:Last Name: TUEPKERFirst Name: EDWARDMiddle Name: °Status As Of: Jul-12-2024Certificate ID: M3SLFY30R6FNKKG OniRetive Duty On Active Duty Status Date Active Duty Start Date ‘Active Duty End Dato. Status Sarvice Component NA NA No NA ‘This response yallects the individuals’ active duty slalus based on the Active Duly Siatus Date Lit Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date ‘Status Service Component. NA NA No NA ‘This response reflects where the individual loft active duty status within 367 days precoding the Active Duty Status Date ‘The Member or His/Her Unit Was Notiieg ot a Future Gall-Upto Active Duty on Active Duty Stafis Date (Order Notieation Start Date ‘Order Notation End Dato Status Sorvice Component NA NA No NA This response reflects whether the individual or his/her unit has received early notification to repor for active dutyUpon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status ofthe individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, PublicHealth, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duly.Sam ruseggaclehSam Yousetzadeh, DirectorDepartment of Defense - Manpower Data Center4800 Mark Center Drive, Suite 04E25Alexandria, VA 22350The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and EligibilityReporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems.The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known asthe Soldiers’ and Sailors’ Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that theindividual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any familymember, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to theprotections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contactinformation can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.miliscra/#faqs. If you have evidence the personwas on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invokedagainst you. See 50 USC App. § 3921(c).This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left ActiveDuty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for activeduty on the Active Duty Status Date.More information on "Active Duty Status”Active duty status as reported in this certificate is defined in accordance with 10 USC § 101 (d) (1). Priorto 2010 only some of the active duty periods lessthan 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active serviceauthorized by the Presidentor the Secretary of Defense under 32 USC § 502(') for purposes of responding to a national emergency declared by thePresident and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in theunit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard ReserveProgram Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S.Public Health Service ar the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps)Coverage Under the SCRA is Broader in Some CasesCoverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not bereported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods.Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1).Many times orders are amended to extend the period of active duty, which would extend SGRA protections, Persons seeking to rely on this websitecertification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service.Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have notactually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRAextend beyond the last dates of active duty.Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRAare protectedWARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providingerroneous information will cause an erroneous certificate to be provided.STATE OF MISSOURI Midland Credit Management, Inc., Plaintiff -Vvs- AFFIDAVIT OF JEANETTE RUFF EDWARD O TUEPKER, Defendant(s). Jeanette Ruff, whose business address is 600 W. Saint Germain St Suite 200, St. Cloud, MN 56301-3616, certifies and says: 1 Iam employed as a Legal Specialist and have access to pertinent account records for Midland Credit Management, Inc. ("Plaintiff" or "MCM"). I am a competent person over eighteen years of age, and make the statements herein based upon personal knowledge of those account records maintained by Plaintiff. Plaintiff is the current owner of, and was assigned all the rights, title and interest to Defendant's COMENITY CAPITAL BANK account XXXXXKXKXXXXX) CM Numbe i (hereinafter "the Account"), 2 Ihave 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 to MCM. 3 Iam familiar with and trained on the manner and method by which MCM creates and maintains its business records pertaining to the Account, which consist of (i) data and documents acquired from the seller or assignor, and (ii) subsequent collection and/or servicing activities by MCM. The records are acquired or created, and are kept in the regular course of MCM's business. It was in the regular course of MCM's business for a person with knowledge of the subsequent collection and/or servicing activities recorded, and a business duty to report, AFFIDAVIT OF JEANETTE RUFF - |tn (Mc ONCE AMto make the record or data compilation, or to transmit information thereof to be included in such record, or for such information to be posted in MCM's records by a computer or similardigital means. In the regular course of MCM's business, the record or compilation of thesubsequent collection activities is made at or near the time of the act or event by MCM as aregular practice.4 MCM's records show that Defendant(s) owed a balance of $754.78 as of 2024-06-14. LEFT BLANK INTENTIONALLY AFFIDAVIT OF JEANETTE RUFF - 2— imi an (DOULAI certify under penalty of perjury that the foregoing statements are true and correct. JUL 0 3 2024 ateasechesel ateSTATE OF MINNESOTACOUNTY OF STEARNSSigned and sworn to (or affirmed) before me on JUL 0 3 2024by Jeanette Ruff.(Seal) Notary Public 47 = Amanda Marie Lengye!: Notary Public - Minnesota My Commission Expires 04/31/2029CA137 AFFIDAVIT OF JEANETTE RUFF - 3‘didi I (DAACPAGE 1 OF 4 ues cE i‘Account no. New bi ance $754.78 Minimum payment due $187.00Previous balance 4$700.42 Payment due date 06/02/2023Payments -0.00 Minimum Payment Warning: If you make only the minimumOther credits -0.00 payment for each period, you will pay more in interest and it willPurchases +0.00 take you longer to pay off your balance. For example:Other debits. +0.00Fees charged +41.00 If you make no additional You will pay off ‘And you willInte charged +13.36 | charges using this card ‘the balance shown fend up paying anNew balance +¥9754.78 and each month you pay: on the statement ‘estimated total i in about: 1 of sPast due amount $160.00 Only the minimum payment 20 months $879 1Crest limit ‘$400.00 For information regarding credit counseling services,Available credit $354.00 call 1-800-284-1706.Statement closing date os/o8/2023Days in billing cycle 31‘Account Questions? Need to make a payment? Want to know how 16 go paperless?Visit COMENITY.NET/IKEA or call 1-866-337-5539 (TDD/TTY 1-888-819-1918).Ifyou retuned an item that was on a promotional plan and have questions with how the return was applied to youraccount, please call us.‘TRANS DATE TRANSACTION DESCRIPTIONILOCATION ‘AMOUNTFees05/02/2023 LATE FEE 44,00 TOTAL FEES FOR THIS PERIOD $41.00Interest charged Interest Charge on Purchases $13.36 Total Interest For This Period $13.362028 totals year to dateTotal fees charged in 2023 $205.00Total interest charged in 2023 $55.31eseYour Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION,METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit cardagreement,TYPE OF BALANCE SUBJECT INTERESTBALANCE APR TO INTEREST RATE CHARGEPurchases 21.99% 716.05 (DA) 13.36actuTow can you take charge ageinat ID Theft? Visit ktheft.goy to find out (conTINUED) NOTICE: See reverse side for important information. Biease tear al perforation above ‘Recount ee number IKEA) New balance $754.78 Minimum payment $187.00 Yes, | have moved or updated my Mailed payments must reach us Oo e-mail address - see reverse Amount enclosed by 6pm ET on 06/02/2023. ssPlease make check payable to ‘COMENITY - IKEA PROJEKT CARD We rete eile EDWARD O TUEPKER Please retum this portion along with your payment to: 123 QUAIL RUN CIR PO Box 650964 MOSCOW MILLS MO 63362-2153 Dallas TX 75266-0964 ate tall ne edeeaoop this pation erour records, How io AVIS REST Vali dis dat iia the coe of each bling eye. We wil ct change you lores on purchases What Te Do f You Think You Find A Mistake On Your Staems you pay your entre balance bythe due date ‘month. We wil Beginyou think there isan eroron your statment, write (0 us at: Comenity charge interest on new purchases mede under a Low APR, Equal PaymentCapital Bank, PO Box 182620, Columbus, OH 43218-2620, ‘or Budget Payment Creat Plan from the date of purchasIn yourleter, give us the folowing informs BALANCE COMPUTATION METHOD. Vie calculate interest separately for. ‘Account information Your name and account number. f8ach balance using the mathod(s) described below. Tho two [t e: ‘Dotar aroun The dollar amount of th suspectos rer. parentheses next to the Balance Subject to Interest Rate column inthe: _Deszxpton of Probie: Ifyou think there is an efor on your bl Interest Charge Calculation section om this slalement correspanda tothe ‘describe what you believe ve wrong and why You believe tis 2 following mistake,‘You must contact us wihin 60 days afer the enor appearedon (OA) We figure the interest charge on tis balance by applying the periodicStatement. You mas oly s of any potential ears wg. You may cat 1 tothe “dally balance" for each day in he blling period. To get the “daly1s, tif you do we are net required io investigate any penta errs and balance? we take the begining balance ch day. add any now transactionsyou may have to pay the amount in gu and feos and subtract any payments or credits (vesting any net creat‘Wine we investigate whether or not there has been an eiror, the folowing are balance as a zero balance). This glves us the dally Balance,. We cant tt colt the amc*ntingoson, opr you as CUSTOMER SERVICE. Visit COMENITY.NETIKEA or eal 1-866-297-6529 delinquent on that amo (TDOITTY 1-888-819-1918) Send all Inquiriest: CUSTOMER SERVICE, ‘charge gueetonmeyraraln on Your wane, re Woy. PO Box 185003, Columbus, OH 43218-2008, continue to charge you interest on that amount: But ‘we eotermine ‘hat we made a mistake, you will at have to pa ‘amount in TELEPHONE MOMTORING To prvi you wt phuaiy verve, ro {question ‘communication with us is monitored anor recent & ‘iile you or soanynot inferes nave toor payotherte feesamount reatin queston, ta that amount you are ‘responsible forthe remainder of your balance ADDITIONALINFORMATION. Abbreviations on your statement mean the. |we can apply any unpaid amount against your efit ii, “ {this rate may vary),WY INT PAY BQ ‘means WAIVE INTEREST, PAYMENT REQUIBED, WV INT EQ PY mene Your Rights if You Are Dissatisfied Wit Your Credit Card Purchases WAIVE INIEBES!, EQUAL PAYMENT; WV INI LOW PM means WAIVEyou ae dissatisfied withthe goods or services thal you have purchased INTERES, LOW PAYMENT, Dk IN| PY HO moans UEREH INIEHESwith your credit care, and you have ree in good faith to comect te problem PAYMENT REQUIHED; DEF INT £G PY moans UEHEH INTEREST, EGUAL‘withthe merchant. you may have the right nt fo pay the remaining amount PAYMENT, Dr INT LOW PMI moans DEFEH INIEHES, LOW PAYMENTdue on the purchase and LOW APREG PAY means LOW APR, EQUAL PAYMENT. You may pay, al of your Account balance at anytime without penaltyTo,use tis right, al ofthe flowing must be tw: 1. The purchase must have boon made in your home state or within 100 NOTICE ASOUT ELECTRONIC CHECK CONVERSION. When you providemiles of your eurent mating actress, and the purchase price must nave a check as payment, you authorize us ether to use information from your‘been more than $50, (Mote Neitheraf hse is necessary Hf your purchase ‘heck fo make 2 one-ime eletranc urd transfer from your agcount or towas based on an advertisem*ntwe mailed 16 you. rif wa ownthe company process tho paymont as check iransactionthat sold you the goods or savices.) PAYMENTS. Payments m U.S. dollars recewed by the applicable due date2. You must have used your creditcard forthe purchase, Purchases made land uot ie wil be credited as of tha date received. Malad or aver ghlodwith cash advances from an ATM or wit a cheek that accesses your credit payments must also mel the requirements below. Otherwise, paymenttard 2cc0unt do not gual ay not be credited for upto five days or may be.5, You must not yet have fly pai forthe purchase, Mailing or Overnight (cutot time 609 p.m, Eastern Time (ET): ¢ ‘Sond a personal check, money oder, Wavele’'s check or cashiersHall ofthe eteria above aro met and you ara stl dissatisfied withthe {chock o the name and address on the payment stub (reguar mal) or chat contact us i writing at: Comenity Capital Bank, PO Box 182520, 3000 KeayDrive, Suite 120, Carolton, TX 75008 (overnight),Columbus, OH 42218-2520. f include your payment stub, use the reum envelope provides with your satoment. wite your account rumberon the check and send one‘While we investigate, the same rules apply to the disputed amount 25. ‘payment with one payment stub.discusses above. Aerie frish our investigation, we wil tll you our Do not siaple or clip your payment othe fb, sen anyfecision. AL that point, we think you owe an amount and you do not pay wo Correspondance with your payment er send cash er gift cortical.‘may report yeu as delinquent ay By Phone (cutoff tine 5:00 pm. ET}: Callus toll eo atCREDIT REPORTING. We may ropertinformation about your accountfo 1-368-857-5599(TODITTY 1-588-810-1018)credit bureaus. Late payments, missed paymans, or other defulis an your Online (cutai time 5:09 pam. 7): Visit COMENITY.NETIIKEA,fccaunt may be rellacted in your cri repar.NOTICE OF CREDIT REPORT DISPUTESIf you Believe information we reported toa consumer ropoting agency isInaccurate, nay us at Comenity Caplal Bank, PO Box 182120, Columbus,(OH 43218-2120, Please provide:: ‘Your name and account number: ‘Your adress and telephone number: ‘What information you dispute and why you belie ts inaccurate: If avaiable, a copy ofthe section ofthe credit repart showing the Information you ae disputing‘Send a lCapra wank, bankruptcy banktupe:y noticesLepariment and related rucorrespondence to Comenity 8x 820u49, LOlUM@US,S218.PAYMENTS MARKED “PAIDIN FULL". All writen communicationsregarding cisputed amounts that inelide any check or other payneinstument marked with "payment ‘i language, must be sent to:3000 Kellway Drive, Suite 120, Carolton, TX 75006,DO NOT USE THE ENCLOSED REMITTANCE ENVELOPIWe may accept payment sent io ary other address without losing any of curht New Information Title (optional) First Name MI 28 Last Name Soc. Sec. No. ‘Street Address Apt. No. - RR PO Box city State Zip Code Foreign Map Code Home Phone Work Phone Email AddressPAGE 3 OF 4Eerie Pleren ot uteIMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be wiitten off as a bad debt SOONTo avoid this, you must pay the Minimum payment amount shown on this statement at least 4 days prior to the end of the‘month in which this statement closed. You can find the Statement closing date in the Summary of account activity onage 1 of this statement. If you are not able to pay the Minimum payment amount, we may stil be able to assist you. CallUs immediately at 1-855-617-8089 (TDD/TTY 1-888-819-1918) to discuss your payment options. If written off, the baddebt will be reported to the three major credit bureaus and our Recovery team will determine the appropriate steps, asPermitted 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 will.charge a fee of up to $41.00 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.Going paperless One more way to help build a sustainable future with IKEA. Visit comenity.net/IKEA today to switch to paperless statements. PAGE 10F 4 Stee CE ount no, ti [LL New bi ance $400.25 Minimum payment due $37.00 Previous balance +8461.14 Payment due date 11/02/2022 Payments 69.00 Late payment warning: Other credits -0.00 If we do not receive your minimum payment by 11/02/2022 you Purchases +0.00 may have to pay up to a $41.00 late fee. Other debits. +0.00 Fees charged +0.00 Minimum Payment Warning: if you make only the minimum ui ct ng 48.11 Payment for each period, you will pay more in interest and it will New balance ¥$400.25 take you longer to pay off your balance, For example: Z ast due amount $0.00 if you make no additional You will pay off | Andyou will) Credit fmt $400.00 | ccharges using this card the balance shown | end up paying an | ‘and each month you pay: on the statement estimated total Available credit $0.00 in about: of Statement closing date loror/2022 ‘Only me minimum payment 13 montns $4 Days in billing cycle 30 For information regarding credit counseling services, call 1-800-284-1706.| ‘Account Questions? Need to make a payment? Want to know how to go paperless? Visit COMENITY.NETIIKEA or call 1-866~ 39 (TDD ITTY 1-888-819-1918).HiiTRANS DATE ‘TRANSACTION DESCRIPTION/LOCATION AMOU }ov01/2022 PAYMENT = THANK YOU 69,00 Interest charged Interest Charge on Purchases $8.11 Total Interest For This Period $8.11 2022 totals year to date Total fees charged in 2022 $187.00 Total interest charged in 2022 $74.09 ener kein Your Annual Percentage Rate (APR) is the annual interest rate on your account, See BALANCE COMPUTATION. METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement, TYPE OF BALANCE SUBJECT INTEREST BALANCE APR TO INTEREST RATE CHARGE Purchases 21.99% 449.06 (DA) 811 Perce uuaeecutubeet ie! Protect yourself against mail and phone consumer fraud, http://about.usps,com/publications/pub28 1/welcome. him GO PAPERLESS and manage your account online! With paperless billing. you receive an email reminder prior to vour payment due date. Get started today by visiting COMENITY.NETIIKEA, STEP 1: Sign in or register your account. STEP 2: Click Paperless account preference on the home page. (CONTINUED) NOTICE: See reverse side for important information. Biease tear at perforation above ‘Recount number IKEA) Leos Minimum payment $37.00 Yes, | have moved or updated my Mailed payments must reach us Oo e-mail address - see reverse. Amount enclosed: by 6pm ET on 11/02/2022. ss Please make check payable to aystlayy! ‘COMENITY - IKEA PROJEKT CARD eal Alf eth EDWARD O TUEPKER Please retum this portion along with your payment to: 123 QUAIL RUN CIR PO Box 650964 MOSCOW MILLS MO 63362-2153 Dallas TX 75266-0964 Hof EEE ANE oA ANN GL NGL Eyeeikeep this paviion Yor your tacord How TO AVOID PAVIA REST. Voir di dat ie ata jist the close of each bling cycle, We wil not charge you interest on purcha What To Do if You Thiak You Find A Miseake On Your Statement you pay your entre balance bythe due date ‘month. We il Begin you think there isan eroron your statment, write fous a: Comenity charge interest on new purchases mede under a Low APR, Equal Payment Capital Bank, PO Box 182620, Columbus, OH 4328-26 ‘¢ Budget Payment Creat Plan from the date of purchase. In yourleter, give us the folowing information: BALANCE COMPUTATION METHOD. Vie calculate interest separately for . ‘Aacourt infxmation: Your name ind account rumber. f22ch balance using the mathod(s) éeseribed below. Tho two ltt in : [Dotar atourt The dollar amount of th suspectos eer. parentheses next a the Balance Subject o Interest Rate column in the : _Deseption of Probie: Ifyou think ther Is an. eTor on your bil rast Charge Calclation section on this stalement corespond ta the lesrive whal you believe Ie wrong and wry you beiova itis 2 following ristake, ‘You must cantact us within 6 days ater th ror appeared ony (0A) We figure the inter charge on this balance by applying the periodic statement. You must nti us of any potential erors m wtp. You may call Tate tothe “daly balance" foreach day nthe biling period. To get te “dally 1s, but you do we are net required io investigate any potential errs and balancet we take the beginning balance each day. add any new transactions you may have to pay the amount in gu and feos and subtract any payments or credits (vesting any net creat ‘ine we investigate whether or not there has been an eiror, the folowing are balance as a zero balance). This glves us the dally Belance, we: . We cannot ty to collet he amount in question, or report you as CUSTOMER SERVICE. Visit COMENITY.NETIKEA or eal 1-866-297-6599 delirquent on that amount (TDOVTTY 1-888-819-1918) Send all inquiriesto: CUSTOMER SERVICE, . ‘The charge n question may remain on your statement, and we may PO Box 183003, Columbus, OH 43218-2003, ome 10 chafge you interest on that amount. But. if we determine ‘hat we made a mistake, you will not have to pay the amount in TELEPHONE MONTORING, To prvi you wth ghuaiy verve, ero question communication with us is monitored anor recr ‘ile you ordonot any interest nave oor payotherte feesamount reatodin quesbon, to that amount you are ‘responsible forthe remainder of your balance ADDITIONAL INFORMATION. Abbreviations on your statement mean the . ‘we can apply any unpaid amount against your efit ii, following: (v) means vetiable rate (is rate may vary) WY INT PAY RQ. means WAIVE INTEREST. PAYMENT REQUIRED, WV INT EQ PY moans Your RightsIf You Are Dissatistied With Your Credit Card Purchases WAIVE INTEREST, EQUAL PAYMENT: YW INT LOW PMT means WAIVE. "you ae dissatisfied withthe goods or services thal you have purchased INTEREST, LOW PAYMENT: OF INT PY RO means DEFER INTEREST. with your credit care, and you have ies in good faith to comect te problem PAYMENT REQUIRED: DEF INT £0 PY means OEFER INTEREST, EQUAL. ‘withthe merchant. you may have the ight nt fo pay the remaining amount PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT ue on the purchase and LOW APREG PAY means LOW APR, EQUAL PAYMENT. You may pay, All of your Account balance at any ime without penalty To,use tis right, al ofthe flowing must be tw: 1. The purchase must have boon made in your home state or within 100 NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide miles ef your curent mating actress, andthe purchase price must nave a check as payment, you authorize us ether to use information from your bbeon mora than $50. (Woe Netheraf heseis necasary Hf your purchace ‘heck fo make 2 one-ime elestranc fund transfer from your aecount or to ‘was based on an advertserontwo mailed you, 1 or Fw Gan ba company process tho paymont as a check ansaction thal sold you the goods or services.) PAYMENTS. Payments m US. doliarsrecewved by the applicable due dats 2. You must have used your creditcard forthe purchase, Purchases made and euof time wil be crated as ofthe date received. Maiiod or overightad with cash advances from an ATM or wit a cheek that accesses your credit payments must also mel the requirements below. Otherwise, a payment tard account do not Qual ay not be credited for upto five days or may be rejecte. 5, You must not yet have fly pai forthe purchase, Mailing or Overnight (cutof time 6:00 p.m. Eastern Time (ET): ¢ ‘Sond a porsonal check, many oder, tavele?'s check or cashiers Hall ofthe eteria above aro met and you ara sll dissatisfied withthe {chock o the name anc address on the payment stub (reguar mal) or chat contact us i wing a: Comenity Capital Bank, PO Box 182520, ‘3000 Kelivay Drive, Suite 120, Carralton, TX 75008 (overnight Columbus, OH 42218-2620. include your payment stub, us the retum envelope provided with your statome ‘wie your account rumberon the check and send one ‘Wile we investigate, the same rules apply to the disputed amount 25. ‘payment with one payment stub. discusses above. After ie fish our investigation, we wil tll you our Do not siaple or clip your payment 1 th fo send any decision. AL that point, wo think you owe an amount and you do not pay wo Correspondance wih your payment er send cash erg cortical. ‘may report yeu as delinquent Pay By Phone (cut time 500 pum: ET): Callus toll eo at (OREDIT REPORTING. We may report information about your accountto 1368-897-5599(TDDITTY 1-888-810-1018) credit bureaus. Late payments, missed paymans, or other defaulls. an your Online (cutotime 8:00 p.m. ET): Visit COMENITY.NETIIKEA, ‘account may be reflacted in your cri repar. NOTICE OF CREDIT REPORT DISPUTES Ifyou believe information we reportedtoa consumer ropoting agency is. Inaccurate, nay us at Comenty Caplat Bank, PO Box 182120, Columbus, (0H 43218-2120, Please provide: : ‘Your name ang account number : ‘Your adress and telephone number : ‘What information you dispute and why you believe tis inaccurate : IF avaiable, a copy ofthe section ofthe credit epart showingthe Information you ae disputing ‘Sendall bankruptcy notices and relatedwePu correspondence to ComenityUH, ox tesuss, Columous, Capi wank, aneruptey | 3718-3 PAYMENTS MARKED "PAIDIN FULL" ten conmniotenregarding cisputed aroun tal nelide any check or other pa instument marked with "payment in fl” o simi language, set be en 3000 Kellway Drive, Suite 120, Carolton, TX 75006, DO NOT USE THE ENCLOSED REMITTANCE ENVELOPI We may accept payment sent io ary other address without losing any of cur Fh New Information Title (optional) First Name MI ie Last Name Soc. Sec. No. Street Address Apt. No. - RR PO Box city State Zip Code Foreign Map Code Home Phone Work Phone Email AddressPAGE 3 OF 4Eerie eee ii = Mee)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 $41.00 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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