Portfolio Recovery Associates LLC vs EMMA L CHASTEEN, 26-CV-18-68, 13032018_Other Document_0 (Minnesota State, Grant County, District Court Mar. 13, 2018) (2024)

`

`26-CV-1 8-68
`
`Filed in Eighth Judicial District Court
`3/13/2018 11:41.AM
`Grant County, MN
`
`'your card. flour s’glb.
`
`your rewards.
`Learn more about the
`YOUR REWARDS program at
`hemergersmm/younewards
`Earn a Reward for every $200 you spend throughout
`the year with a YOUR REWARDS credit card!*
`*Subject to credl approval. TheVOUH REWARDS pmgam ls pmvided by The Bon—Ton Slams. Inc. and its urns maycbango a1anylime.
`Fat MI REWARDS terms and Candnlons. Mme seehltpiMwmwwsmm/ynem
`
`Keen lnls Damon fonou! (acorns.
`What To Do If You Think You find A Mistake 0n Your Statement
`ll you think [hum Isan emu on your statement, write lu us ul: Comunilv
`Bank P0 Bux 182/82, Cululnbus Uhiu 43218 2/82
`In yum Iellel, glvu us [he Iolluwlng lnlumlatlon:
`I Accuuu: mtunnafiuu: ¥qu mane and account number.
`0 Dollar anuuul: lhe dollar amuunl u! lhe suspecled emu.
`I Descripiiun uI I’Iublem: l! you think [hem is an mu: un yum bill,
`descvibc whal yuu believe is mung and why you inlicve il is a mislak'c.
`You must cmlacl us within 60 Gays alter me emu appealed on your
`slalumml.
`you du m aw nul mquilcd lo imesligule any putrnliul cum and yuu may
`You muslmlily us ul any uulenlial euuts in writing. You may call us, bul il
`have lo pay lhe amount In qualiw.
`wnll'c we imesllxale wllelhel av nol [here has been en cum. me tullowim
`ate mu:
`' We camu‘t lry lo collacl lhca-nuuul in qucaliuu. cl mum! you as
`delinquent nn ma! amuunl.
`O Inc charge in uuesliun may remain on yum slalemenl, am w: may
`cunlinue lo charge you Inlelesl un [hm amounl. Bul. il we delcrmlne thl
`we made a ullslake. yuu will nu! nave lo pay lhe amuunl In question a
`any inleresl w ulher lees velaled lo lml amuunl.
`I While you du uul have lu pay lne amuunl In uuzstiun, you are tesponsmle
`lul lhe venlalnder ul yuuv balance.
`0 We can apply any unuald amuuul umlml yum acdil Ilmll.
`Your Rivas If Youke Dissatisfied With Your Credit Card Purchases
`ll yuu ate dissatisfied wilh lhc xnuds 04 sewices that yuu have uuvchased
`with yum uedil card, am! yuu have Iliad In xuod Iailh lu cumxl [he
`utoblum with Ihe muchanl,yuu may have lhe limit nul lu pay Ike mmaining
`amuuul due mu the purchase.
`Iu use ml: llnhl. all o! lhc lullmvlnx mus! bL- hue:
`l. Ihe purchase mm! have heenmnde in yum hum: stale o: Ililhiu 100
`miles olwut cunent mailim: waters. am lhl: purchfie mice musl have
`been mute man $21). (Mate: Neilnel ol mesa ls necessavy II you! pumhase
`vras based un un udvmlisument we mailed tu yuu, u: il we own W: cumwm
`lhal suld you lhe goods w wwicus).
`2. You mus! have used yuur credil card luv lhe purchase. Putchascs made
`wllh cash advances lmm an AI M u: wilh a chuck that accem yum cmdil
`mm account du ml uualily.
`3. You mus! nu! ycl have Iully paid luv [he uulchme.
`ll all u! me crilmia above ave mel and you an.- sllll mssallsfled wi lh lhe
`purchase.cunlacl LE ill writingal: Cullmnily Bank P0 Bu: 182/82,
`Columns, Ohio 43218 2/82.
`While we investigate. me same Iuleu apply lu lhe disputed amount us
`discussed abuvu. Alla: we Iinish our imeslinallun, wewlll lell you uuv
`decisiun. N lhal point, iI we think you uwean amount and you du nut pay
`we may Icpurl you as delimuwl.
`HOW IO AVOID PAVING INTERHT. You: due dale is a! Inasl 2: day: alter
`me cluse ul uach uilllug cycle. WL- will nod charge you Inlelesl uu purchases
`il yuu pay yuut L-nlire balance [w the due dale each munlh. We will begin lu
`charge inlucsl on new purchasu mad: undev a Low APR. Lquel Phymeall
`u: Budgel Payment 02d" Plan hum me dale ul puvulasu.
`BALANCE COMPUI'M’ION METHOD We calculate inlercst separalely lot
`rrdch type u! balance un yuul "account usinga 'Uaily Ualaum' Ru deluunine
`iuleresl chames lot each billing umiud. We Iigun: [he interest chalm on
`yum account Dy applying me peniuilc tale tu me “daily balance" ul yum
`accuunl luv each day in lhe billing cycle. lu gel the ’daily balance" v.1:
`lake the beginning balance u! yum account each day. add any new
`puvcnases and mus, and suhklact any payments or credits meatinn any nel
`ctedil balance us a lulu halunce). Ihis gives us [he daily balance.
`
`CleT REPORTING. We "my 1cm! inlumlaliuu nbuul 1qu acmml lu
`clean humans. Late uaymcnls. missed payments, w ulna! delaulls on your
`account may be mllecla! in yuul cwdil lewd.
`NOTICE OF GEDIT REPORT DISPUTES.
`II you believe [he uecuunl iulmnaliun we [wmlcd lu a consumer lepuling
`agenCv is inaccumle, yuu may submil a (filed dispute lu Cumunily Bunk,
`P0 Bu: IBZIBQ, Columns, UH 43218 2/89. Yuul writtzn dispute Inusl
`mmide sullicienl iulwmutiou lu idzutily the account and suecily why lhe
`inlormation is inaccurate:
`uuv "arm and accuunl number
`I Atcounl lnlonnallon:
`i Contan lnmmatlon: Yum address and lelephuue uumhe:
`I Dispuizd lnlumullnn: Idenlily [he uccuunl imonnalim dispulcd and
`explain why you believe il is inaccuralc
`' Suppndlug Documnhflon: II available. ulovidc I: copy u! [he sediun ul
`lhe cmdi| «wall shwiwi, lhe accuunl inlulmaliun you are dispulina
`Wenill Investigate lhe disputed inluunallm and vapor! [he tesulls lu yuu
`within 30 days ul mccipl ul lhe inl-mn‘aliun needed [m om irwcstimliuu. ll
`we Ilnd lhal me account Inlunnallon we levelled Is Irmoculale. we w] II
`pmnplly provide Ihe necessary caueclluu lo each cunsunlul Iepmling
`agency lo which WL- reuolled lhu inlonnuliuu.
`FAVM ENIS MARKED 'PAIO IN FULL'.
`All wriIlL-n tummurliualiuns
`vegaminr, disputed umouuls Ina! include any check 01 olhul vuvmenl
`inslvumenl marked wilh 'paymenl in lull" oz similar language, mus! be senl
`lu: 6:150 Nullh Loup 1604 hast, Suile 101, San [\nlunin, IX [824] SLIM.
`DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
`We may amen! payment sun! Iv any utrm address withuul Iming any u!
`um lights.
`Nu uaymuul shall awake us urn actual um! salislucliun wilhuul uliw
`milieu Huylwal.
`CUSIOMER SERVICE. Visil cuvlmily.nelmcmeo:ers w call
`thb 56/ [/43 (IUUII IV l 8w 695 1/88).
`TELEPHONE MONITORING. Io utwidc yuu wlln mun quality service.
`uhuv: communicalluu with us is muuilum! andlur Iecovded.
`ADDITIONAL INFORMA'IION. lhe lulluwing desixnaliuns, when appealing
`un IN lvunl u! yuur slulemcnl. mean the Iullowinx: Vulcan! variable Iale
`(lhis rule may vary); WV INI PAY R0 muuns WAIVI: IN ltR t5 l. PAYMENI
`RtuUlRtlJ; ‘Ml INI tu PY means WAIVt IN [I:RtSl, tQUAL PAYMtNl; WV
`lNl lUW PMI means WAIVL INIERESI. LOW PAYMLNI; Ur INI PV HQ
`means DHER IN IthSl, PAYMENI RLQUIRhD; DH INI Lu PYIneans
`UtltR INIthSI, huUAl. PAYMKNI, Dl- INI LUW PMI means utrtR
`IN lLHtS | . LOW PAYMtNI and LOW APR ta PAV "luau: LUW APR. LQUAL
`PAYMtN I. II yuu have a variable talc accounl. your periodic Kala may vary.
`You may pay all u! yum Account balance al any lime wimuul pmalty.
`Send all Inqullles la: CUSTOMER SERVICE. 90 Eu 182273. Columbus, OH
`432152273.
`Send all bankruplcy ndius and ulalzd correspondence lu Eomnny Bank,
`Bonkruatcy Denarlmant. FO Box 182 12 5, columhus, DH 432 18-2 125.
`NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When yuu uluvide u
`check us uavment, you aulhwizc us eimut lo uSe inlurmalion Hum yum
`check lu make u une lime electronic tuna transits! Drum you! accoonl u! lu
`Diocess lhe Mme"! as a check Ummctiun. When we use iuluumliuu hum
`hum yuur account as soon as the same daym receive your paymenl, and
`yum check Io make an elecllomc mud lvansleo. Iunds nay be wilhdvawn
`you will nut ceceive yum check back hum youl Iinunciai insliluliun.
`
`PAYMENTS. Pay yum Accuunl [w lhe uaymenl due dale 0y me time lisled below. ll we dn ml receive yum payment in a cullecl lonnu! (outlined beguw) il
`nay nul be ctediled lu yum Ancuunl lu- up Ru Ile- days, u: may bl: miacled. Also, yuul payment mus! teach us by the phylum! culull llme lhal applies lu
`Inc paymenl melhud you select.
`Cunect Formal. Conecl lumlat l0! diflerenl payment methods include:
`Mailinzoravemidll: Stmd a personal chuck. money wdur, lravelex‘s check ur cushiL-l's chuck uayable in US. dullm, lu lhe name and addtess shuwn nu
`lhis Slalenlull ill lm payment slub Bred oumaiuingyuuv balance and minimum payment amuunl. [Se sure lo include yuul payment stub, flu nul smple ul
`clip yum payment lu lhe slub. include you: accuunl number uu yuuv check. use the rnvclupe pluvidcd wilh yuur Shlemunl. send une uuymun! wilh unc
`Antonio, IX [824/ $04 and [he uddiliunal )uunatquununenls u".- [he same as ulhul mailed uaymenls unless them Is udispule, in Which case yuu Iulluw
`payment stub and do nul send any cunmondence wiln yuuv vaymenl. You should wemmnl a yuymenl to 65w Nam Luuv 1604 Lasl. Sulle 101. 52m
`lhe Paymwls Matted" Paid In full" sccliun amwe. Du nu! send cash m gill curlilicahb.PayByPhane: Yuu can cull us lull Ins: al 1 Ebb 36/ [/43
`(IUUII IY l 8w 6% 1/88) Eu make a payment by telephuue, which may include a lee. Online: Yuu can make a payment unline al
`comunity.nellhurbcrgcu. ln-slara: Yuu can ma kc pgyuucnls in slum.
`Payment! Cum" Tlnns. Payment culull lilnesldeadlmcs lo: us lu receive payments ave by [he due dale an lhis Stalemenl in [he payment stub any at lhc-
`lulluwiru limos: Mailing and Orzmizm: Hy 6:00 pm taslum lime (L'I); ky By Plume: By 8;“! pm tnslcm lime (LI); Onlinc By 8:00 um (El); and
`ln-stare. Bv lne lime Inc slum closes al Int: lucallun yuu make you! pavlnenl.
`
`Title (optional)
`Last Name
`Street Address
`Apt. No.
`
`city
`hom*o Phone
`Email Address
`
`New Information
`
`First Name
`
`MI
`
`Soc. Sec. No. ____
`
`RR
`Slate
`
`P0 Bax
`
`le code
`
`Wovk Phone
`
`Foreign Map Code ___________
`___________
`
`

`

`26'CV'18'68
`
`Filed in Eighth Judicial District Court
`3/13/2013 11:41 AM
`Grant County, MN
`
`Addilional important messages - continued
`In order lo avoid paying Interest charges tor this billing cycle. you must pay a Iota! of $956.41 by your
`paym en! due dal‘e. This amount includes plan minimum(s) and lolal revolving balance.
`Consumers are entitled lo one free credit report per year. To requ’est yours call 1-377-322-8228 or vlslt
`annualcredilreport.com
`
`PAGE 3 OF 4
`
`

`

`26-CV-1 8-68
`
`Subject to credit approval. The YOUR REWARDS program i5 provided by The Bon-Ton Stores. Inc. and its
`terms may change al any lime.
`
`Filed in Eighth Judicial District Court
`3/13/2018 11:41 AM
`Grant County, MN
`
`PAGE 4 0F4
`
`

`

`Filed in Eighth Judicial District Court
`3/1312018 11:41 AM
`Grant County, MN
`
`26'CV'18'68
`
`w
`
`BILL OF SALE
`COMENTTY CAPITAL BANK (“Seller"), for value received and pursuant to the temas
`and conditions of Credit .Cara-Account Purchase Agreement dale‘d June 29, 2015 bet’Ween
`Seller and (“Purchaser”), its successors and assigns (“Credit Card Account Purchase
`Agreementf’), hereby assigns effective as of the File Creation Date ofJuly 26, 2016 all
`rights, title and interest of Seller in and.to those certain receivables, judgmentspr'cvidenccs
`of'debt described in Exhibit If attached hereto and made part hercoffor all'pmp‘oses.
`Numberof Accounts
`Total Unpaid Balances"
`Premium"
`Due Seller
`
`Amounts due to Seller'by Purchaser in hereunder shall be paid U.S. Dollars by a wire
`transfer to be received ‘by Seller on (the “Closing Date”) Jul’y 29, 201 6' by 5200 pm.
`Seller’s time, as follows:
`
`COMENITY CAPITAL BANK
`ABA # 026 009 593
`Beneficiary Name: COMENITY CA'I’I'I‘AL BANK Dcpmimry
`Beneficiary Account: ;
`
`This Bill ofSale is executed without recourse except as étated 'in the-CrediL Card Account
`Purchase Agreement to which this is an Exhibit. No other representation of or warranty of
`title o'r enforceability is expressed or implied.
`
`By:WWW _
`
`COM ENITY CAPITAL BANK
`
`g /3u /l(7'
`Dale:
`Title: 2f {flower
`
`PORTFOLIO RECOVERY ASSOCIATES, LL-C
`
`By: flagé/
`
`Date:
`
`Title
`
`9/29/y’6
`A-J‘wn‘ad
`
`8:34.",
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`TRAN DATE
`ACCT No
`Div No
`DIV NAME
`CYCLE NUMBER
`CREDIT TERM NUMBER
`PLAN NUMBER
`SURNAME
`FIRST NAME
`MIDDLE INITIAL
`LAST NAME
`SUFFIX CODE
`JOINT SURNAME
`JOINT FIRST NAME -
`J0INT_MIDDLE_INITIAL
`JOINT LAST NAME
`JOINT SUFFIx_CODE
`JOINT SSN
`EMPLOYER NAME
`STR ADDR
`SEC 8TH ADDR
`CITY
`STATE
`ZIP CD
`ZIP PLus4
`
`Filed in Eighth Judicial District Court
`3/13/2018 11:41 AM
`Grant County, MN
`
`26-CV-1 8-68
`
`7762
`
`2016-07-26
`
`7
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`224
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`OPEN DATE
`2014-05-17
`WRITE OFF DATE
`2016-04-17
`LAST PYMT DATE
`2015-08-31
`LAST PYMT AMT
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`LAST PURCHASE DATE
`2015-02-26
`LAST PURCHASE_AM0UNT ooooo48.oo
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`WRITE OFF AMT
`000097625
`CURRENT BALANCE
`000097625
`FIRST DELQ_DATE
`2015-11-17
`PRINCIPAL BALANCE
`000053553
`ggPAIDfINANcLCHARG 000021072
`UNPAID LATE FEES
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`
`

`

`26-CV-1 8-68
`
`Filed in Eighth Judicial District Court
`3/13/2018 11:41 AM
`Grant County, MN
`
`_
`
`SERIES NUMBER
`- 0000000001 00
`(EzgRRENLAGENCLNUMB 00344
`STATUS'CODE 1
`a4
`STATUS CODE 1 DATE
`2016-04-18
`STATUS CODE 2‘
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`STATUS CODE 2 DATE
`2014-05-17
`STATUS CODE-a
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`STATus_CODE_3_DATE
`2014-05-17
`30A TP TYPE
`SOA_TP_SUR_TITLE_CD
`80A TP FIRST NAME
`SOA_TP MIDDLE_INIT
`0A TP LAST NAME
`30A TP SUFFIX
`80A TP ADDR LINE 1
`80A TP ADDR LINE 2
`80A TP CITY
`80A TP STATE
`80A TP ZIP_CODE
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`BK CHAPTER
`BK FILING DATE
`BK CASE NUMBER
`BK CITY
`BK_STATE
`ACCT ID
`SAFE HARBOR AMT
`SAFE_HARBOR AMT2
`CCA INUSE DATE OfiuS
`ANFrRM FEE_TYPE_OfiUs
`$NFrRM_FEE_AMT_PCT_0f ooooooo.oo
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`ANFTRM MIN FEE OfiUs
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`INRATE_INTEREST_RATE_ 000252400
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`00027.00
`00037.00
`1900-01-01
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`

`

`26-CV-1 8-68
`
`Filed in Eighth Judicial District Court
`3/13/2018 11:41 AM
`Grant County, MN
`
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`Filed In Eighth Judicial District Court
`73/13/2018 11 .41 AM
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`Co‘lumn 1:42
`ACCT~No 2
`FILE
`, ATLAS ACCTNUM
`
`