`
` LOWNDES COUNTY STATE COURT
` STATE OF GEORGIA
`
`MIDLAND CREDIT MANAGEMENT, INC.
`Plaintiff,
`
`vs.
`
`KATRINA FREEMAN
`Defendant.
`
`2024SCV0039
`Case No:
`
`LOWNDES COUNTY, GEORGIA
`Lowndes County - State Court
`2024SCV0039
`1/18/2024 2:42 AM
`Beth C. Greene
`Clerk of Superior State Juvenile Courts
`Reviewed by: Kelly Jenkins
`
`COMPLAINT
`
`Plaintiff, MIDLAND CREDIT MANAGEMENT, INC., by counsel, sues Defendant, KATRINA
`
`FREEMAN , under Account Stated and in support thereof states:
`
`1.
`
`Plaintiff is authorized to file this Complaint in this Court. Plaintiff owns portfolios of
`
`consumer receivables, which it attempts to collect. Plaintiff strives to treat its consumers, such as
`
`Defendant, with respect, compassion and integrity, hoping to provide mutually-beneficial opportunities
`
`for consumers to repay their debts and attain financial recovery.
`
`2.
`
`3.
`
`Defendant is subject to this Court's jurisdiction.
`
`Defendant established an account with COMENITY CAPITAL BANK, under redacted
`
`account number XXXXXXXXXXXXX-5133.
`
`4.
`
`Defendant was provided statements delineating Defendants use of the account and stating
`
`the current balance due.
`
`5.
`
`6.
`
`7.
`
`Defendant defaulted on the account.
`
`A statement of account balance was sent to Defendant and not paid.
`
`Plaintiff has acquired all right, title and interest to Defendant's account, and has
`
`attempted 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 remains
`
`willing to discuss various options to resolve the outstanding obligation, although the options may be
`
`different than they were prior to the initiation of litigation.
`
`8.
`
`9.
`
`Exhibits.
`
`Defendant owes Plaintiff $771.97.
`
`In support of the allegations, Plaintiff incorporates herein by reference the attached
`
`GL_0100G File No.: 23-141441 SCP
`
`
`
`
`
`
`WHEREFORE, Plaintiff requests judgment against the Defendant for $771.97 and costs of the
`
`action and post judgment interest at the statutory rate.
`
`By:
`
`CLAIBORNE ADCOCK, #256977
`ASHLEY BOWMAN-DUMITRASCU, #642418
`Attorney for Plaintiff
`P.O. BOX 56446
`ATLANTA, GA 30343
`Phone: (866) 300-8750
`Fax: (877) 411-6789
`E mail: IL_GA@mcmcg.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.: 23-141441 SCP
`
`
`
`
`
`PAGE 1 OF 2
`
`"""""
`
`.
`
`Summary of account activit
`""-""-""-5133
`Account no.
`"713-37
`-0.00
`-0.00
`+0 00
`*0:00
`+41.00
`+17.10
`6771.97
`$21 1.00
`
`PreV'OUS balance
`Payments
`Other credits
`Purchases
`Other debits
`Fees charged
`Interest charged
`New balance
`Past due amount
`Credit limit
`Available credit
`Statement closing date
`Days in billing cycle
`
`$500.00
`-$271.00
`07l15IZ()22
`32
`
`""""""""
`
`'
`
`""""""
`
`Pyment information
`New balance
`$771.97
`Minimum payment due
`$250.00
`08/10/2022
`Payment due date
`'
`Minimum Payment Warning: If you make only the minimum
`payment for each period, you will pay more In interest and it will
`take you longer to pay ofl your balance. For example:
`You will pay off
`And you will
`If you make no additional
`charge: using this card
`the balance shown end up paying an
`estlmatad total
`on the statomont
`and each month you pay:
`in about:
`of:
`19 monlhs
`Only the minimum paymeni
`$908
`For iniormaiion regarding credit counseling services.
`call 1-800-284-1706.
`
`_
`
`,
`
`Details of your transactions
`TRANS DATE
`TRANSACTION DESCRIPTION/LOCATION
`Fees
`07/10/2022
`
`LATE FEE
`TOTAL FEES FOR THIS PERIOD
`Interest charged
`Interest Charge on Purchases
`Total interest For This Period
`
`2022 totals year (0 date
`Total fees charged in 2022
`Total inkerest charged in 2022
`
`$281 .00
`$86.51
`
`AMOUNT
`
`41.00
`$41.00
`
`$17.10
`$17.10
`
`Interest charge calculation
`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
`Purchases
`
`APR
`26.74% (v)
`
`BALANCE SUBJECT
`T0 INTEREST RATE
`72973 (DA)
`
`INTEREST
`CHARGE
`1710
`
`Additional important messages
`Find out how to shop safely online at onguardonline.gov
`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. If we do. we will
`charge a fee of up to $41.00 for any subsequent late payment. In addition, we may reverse me 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.
`
`NOTICE: See reverse side for important information.
`Please tear at perforation above
`
`.
`
`PLACE
`
`email address « see reverse.
`
`ed C'
`5i?
`
`,
`
`E]
`
`IIi|.mI|I..i|.I|.I|.lulu].HIII..|.III|I...I|.II"III"I.|.i.
`KATRiNA FREEMAN
`909 SLATER ST APT 122
`VALDOSTA GA 31601-4562
`
`Account
`number
`New balance
`$771 .97
`
`n*a_m_m_51 33
`Minimum payment
`$250.00
`
`Amount enclosed:
`
`Mailed payments must reach us
`by 6pm ET on 08/10I2022.
`
`Please make check payable to:
`COMEN'TY-MY PLACE REWARDS CRED'T CARD
`
`Please return this portion along with your payment to:
`PO Box 650964
`"was TX 752550964
`
`'iES'HJE'iSLI
`
`[NEH
`
`5133
`
`000025000 DDDD??1'17
`
`
`
`
`
`NOW TO AVOID PAYING INTEREST. Your due date is at least 25 days alter
`the close of each billing cycle We will not charge you interest on purchases
`it you pay your entire balance by the due date each month We will begin to
`charge Interest on new purchases made under a Low APR. Equal Payment
`or Budget Payment Credit Plan lrom the date 01 purchase.
`BALANCE COMPUTATION METHOD. We calculate interest separately lcr
`each balance using the melhod(s) described below The two letters in
`parentheses next to the Balance Subject to Interest Rate column In the
`Interest Charge 1'
`section on this
`to the
`lollowing:
`
`(DA) We figure the interest charge on this balance by applying the periodic
`rate to the "daily balance" for each day In the billing period. To get the 'daily
`balance" we take the beginning balance each day, add any new transactions
`and lees and subtract any payments or credits (treating any net credit
`balance as a zero balance). This gives us the daily balance.
`CUSTWER SERVICE. Visit COMENITY.NET/CHILDRENSPLACE or call
`1-866-254-9967 (TDDITTY 1-888-819-1918). Send all inquiries to:
`CUSTWER SERVICE. PO Box 133003. Columbus. 0" '3118-3003.
`TELEPHONE MONITORING. To provide you WI"! high-quality service. phone
`with us Is
`and/or
`
`ADDIHONAL INFORMATION. Abbreviations on your statement mean the
`followrng: (v) means variable rate (this rate may vary); WV INT PAY RO
`means WAIVE INTEREST. PAYMENT REQUIRED: WV INT E0 PY means
`WAIVE INTEREST. EQUAL PAYMENT: WV INT LOW PMT means WAIVE
`INTEREST. LOW PAYMENT; OF INT PY R0 means DEFER INTEREST.
`PAYMENT REQUIRED: DEF INT EQ PY means DEFER INTEREST. EQUAL
`PAYMENT: OF INT LOW PMT means DEFER INTEREST. LOW PAYMENT
`and LOW APR E0 PAV means LOW APR. EQUAL PAYMENT. You may pay
`all oi your Account balance at any time without penalty.
`
`NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide
`a check as payment, you authorize us either to use inlormaticn from your
`check to make a onetime electronic lund transler lrorn your account or to
`process the payment as a check transaction.
`PAYMENTS. Payments in Us dollars received by the applicable due date
`and cutoff time will be credited as or the data received. Mailed or overnighted
`payments must also meet the requirements below. Otherwise. a payment
`may not be credited tor up to live days or may be rejected.
`Mailing or Overnigtvt (cutoff time 6:00 pm. Eaeum Tin- (ET)):
`Send a personal check. money order, traveler's check or cashier's
`.
`check to the name and address on the payment stub (regular marl) or
`3000 Kellway Drive. Suite 120. Carrollton. TX 75006 (overnight),
`Include your payment stub. use the retum envelope provided with your
`statement. write your account number on the check and send one
`payment with one payment stub.
`Do not staple or clip your payment to the stub. send any
`correspondence wlth your payment or send cash or gift certificates.
`
`-
`
`I
`
`Pay By Phone (cutoll time 5:00 pm. ET): Call us toll lree at
`1-866-254<9967(TDDITTV 1-388-819'1918).
`Onllne (culofl time 5.00 pm. ET): Visit
`COMENITY.NETICHILDRENSPLACE.
`In-etore By the time the store closes at the location you make your payment.
`
`Keep this portion for your records.
`What To Do If You Think You Find A Mistake On Your Statement
`If you think there Is an error on your statement, write to us at: Comenity
`Capital Bank. PO Box 182620. Columbus, OH 432182620,
`In your letter. give us the lollowing information:
`Account information: Your name and account number.
`.
`Dollar amorlnt The dollar amount of the suspected error.
`.
`Description offiobienr: if you think there is an error on your bill.
`.
`describe what you believe is wrong and why you believe it is a
`mistake
`You must contact us within 60 days alter the error appeared on your
`statement. You must notify us oi any potential errors in writing. You may call
`us. but il you do we are not required to Investigate any potential errors and
`you may have to pay the amount in question.
`While we investigate whether or not there has been an error. the lollovring are
`lme;
`.
`
`.
`
`We cannot try to collect the amount ln question. or report you as
`delinquent on that amount.
`The charge In question may remain on your statement, and we may
`continue to charge you Interest on that amount. But. II we determine
`that we made a mistake. you Will not have to pay the amount In
`question or any interest or other teas "slated to that amount.
`While you do not have to pay the amount in question, you are
`responsible tor the remainder or your balance.
`We can apply any unpaid amount against your credit limit.
`Your Rights If You are Dissatisfied With Your Cred]! card Purchases
`It you are dissatisfied With the goods or services that you have purchased
`with your credit card. and you have tried In good larth to correct the problem
`wilti the merchant. you may have the right not to pay the remaining amount
`due on the purchase
`
`.
`
`.
`
`To use this right. all oldie lollowrng must be true:
`1. The purchase must have been made in your home state or within 100
`miles of your current mailing address, and the purchase price must have
`been more than $50. (Nate' Neither ol these is necessary il your purchase
`was based on an advertisement we mailed to you. or if we own the company
`that sold you the goods or services.)
`2. You must have used your credit card tor the purchase. Purchases made
`wittI cash advances from an ATM or with a check that accesses your credit
`card account do not qualify.
`3. You must not yet have fully paid torthe purchase.
`
`It all of the criteria above are met and you are still dissatisfied with the
`purchase. contact us in writing at: Comenity Capital Bank. PO Box 182620.
`Columbus. OH 43218-2620.
`
`While we Investigate. the satire niles apply to the disputed amount as
`discussed above. Alter we finish our Investigation. we will tell you our
`decision. At that point. it we think you owe an amount and you do not pay we
`may repon you as delinquent
`CREDIT REPORTING. We may report information about your account to
`credit bureaus. Late payments. missed payments. or otitor delaults on your
`account may be reflected In your credit report.
`
`NOTICE OF CREDIT REPORT DISPUTES
`It you believe Information we reported to a consumer reporting agency ls
`inaccurate. notiiy us at Comenity Capital Bank. PO Box 182120. Columbus.
`OH 43218-2120 Please provide'
`Your name and account number
`.
`Your address and telephone number
`.
`What information you dispute and why you believe it is inaccurate
`.
`.
`It available. a copy of the section of the credit report showing the
`information you are disputing
`Send all bankmptcy notlcu and re
`d correspondence to Contenlty
`Capital Bank. Bankruptcy Department. PO Box 183043. Columbus. OH
`43215-3043.
`
`PAYMENTS MARKED "PAID IN FULL". All written communications
`regarding disputed amounts that include any check or other payment
`instniment marked with "payment in full" or similar language, must be sent to:
`3000 Kellway Drive, Suite 120, Carrollton, TX 75006.
`DO NOT USE THE ENCLOSED REMITI'ANCE ENVELOPE.
`- We may accept payment sent to any other address without losing any 01 our
`rights.
`
`Non intimation
`
`First Name
`
`_.
`
`>
`
`RR
`State
`
`Zip Code
`Work Phone
`
`MI
`
`Soc. Sec. No.
`
`Po Box
`
`Foreign Map Code
`
`Title (optional)
`Last Name
`Street Address
`
`Apt. No.
`
`....
`
`City
`Horne Phone
`
`Email Address
`
`
`
`
`
`:-
`
`.
`
`"it
`
`, MY PLACE
`NA,.2 3:5
`/
`CREDlT CARD
`/
`IT'S THE BEST TIME FOR
`$5 REWARDS?"
`
`When you spend 550+ on your
`My Place Rewards Credit Card.
`'See back tor details
`
`Summary 01 account activity
`'""-""-""-5133
`Accourrt no.
`
`Previous balance
`Payments
`Other c'edits
`Purchases
`Other debits
`Fees charged
`Interest charged
`New balance
`Past due amount
`Credit limit
`Available credit
`Statement closing date
`Days in billing cycle
`
`$254.59
`-60.00
`0.00
`203.08
`0.00
`0.00
`5.79
`$404.46
`0.00
`$500.00
`$95.54
`12/15/2021
`31
`
`PAGE I OF 4
`
`$404.46
`$35.00
`01/10/2022
`
`Payment information
`New balance
`Minimum paymer-t due
`Paymerll due date
`Late payment warnlng:
`If we do not 'eceive your minimum payment by 01/10/2022 you may
`have to pay up to a $41.00 late fee.
`Minimum payment warning: It you make only the minimum
`payment for each pe'iod. you will pay more in Interest and it will take
`you longer to pay ofl yow balances. For example:
`You Will pay 0"
`If you man I10 additional
`And you WIII
`charges using thls curd
`the balance shown and up paylng an
`and each month you pay:
`on tha statsm ant
`asllmated total
`In about:
`of:
`3472
`Only the [Minimum payment
`14 months
`For intu-mation regarding credit counseling services.
`Gal 1-800-284-1706.
`
`..
`
`Accsurlt Questions7 Nee-J to mam a aayment? Want to mow how to go paperless?
`u . v.4
`or call 1-866-254-9957 (TDDfI'TY 1-888-819-1918).
`Visit 4"
`Skip sign ng in to pay and use Comenity's Lasy-'ay' It's safe and convenient. Jse your s-nartphane canera or code
`reader to scan the QR code pri'lted 01 your pay11ent sth below to get started.
`
`BIGGER BETTER BENEFITS
`25% OFF BIRTHDAY SAVINGS" DOUBLE POINTS ON EVERY
`PURCHASE"
`for My Place Rewards Credit Card
`with your My Place Rewards
`holders.
`Credit Card
`Must register child(ren)'5
`birthday[s) Add up to 4 kids'
`$1 spent: 2 points
`100 points = $5 reward
`birthdays to your account at
`childrensplace.com
`
`Detalls of your transactions
`TRANS DATE
`TRANSACTION DESCRIPTION/LOCATION
`
`The Children's Place PAYMENT - THAM YOU
`The Childrert's Place PURCHASE - The Children's Placecorn
`The Cntldren's Place PURCHASE - The Children's Place.com
`
`1 1/26/2021
`12/01/2021
`12/05/2021
`
`Fees
`
`Total fees charged for this period
`
`Interest charged
`Interest charge on purchases
`Total interest lor this period
`
`:.t
`
`G r LACI:
`'
`)
`
`»:
`
`'I"-
`
`\IOTICE: see 'everse side for important information.
`Please tear at perforation above
`
`"qu,
`it
`..
`
`'
`
`AMOUNT
`
`-60.00
`131.19
`71.89
`
`$0.00
`
`$8.79
`$6.79
`
`Accou 1t
`nu 'nber
`New balance
`$404.46
`99 3
`M 'I d
`t
`0:3fi/1fiég1;£_s
`
`mx_wnw«_nu _51 a s
`Minimum payment
`$35.00
`
`must rear: us y
`b
`h
`
`6
`
`pm
`
`ET
`
`Yes. have moved or updated my
`e-mall address - see reverse.
`
`Amount:
`enclosed:
`
`KATRINA FREEMAN
`909 SLATER ST APT 122
`VALDOSTA GA 31601-4562
`
`Please make check payable to:
`COMENITY - MY PLACE REWARDS CREDIT
`CAR D
`Please return this portion along with your payment to:
`PO BOX 650964
`DALLAS TX 752650964
`
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`Get it. Wear it. Share it!
`
`Ii E @IED
`
`@CHILDRENSPLACE I aQI'GYMBOREE
`@SUGARANDJADE
`
`PAGE 3 O: 4
`
`2021 totals year to date
`Total fees charged in 2021
`Total interest charged in 2021
`
`$66 00
`$18.13
`
`APR
`25.9900% (V)
`
`Interest charge calculation
`Your Annual Percelllage Hale (APR) Is [he annual lnlerest rate or] your accouill. See BALANCE COMPUTATION METHOD
`on page 2 for more details. Minimum interest charge may exceed interest charge below, pa' your credit card agreement.
`TYPE 0F
`BALANCE SUBJECT
`INTEREST
`To INTEREST HATE
`BALANCE
`CHARGE
`Pu'chases
`307. 75
`8.79
`Additional important messa es
`Eiieclive February 2. 2022, the cutoff limes for payments to be credited on the same day when the
`payments are made over the phone and online are changing. Telephone and online Account Center
`payments made by 5:00 pm Eastern Time will post on the same day. Please see the information provided
`on the back of the first page of your statement tor more details about payment cutolt times.
`Save on Interest Payment: You can check Account Center 24/7 lor upto-date balance and payment
`amounts including any new payments, transactions, fees and daily accruing interest.
`You can avoid accruing additional daily interest on non-promotional purchases by paying the Save on
`Interest Payment amount by your billing statement due date.
`The Save on Interest Payment includes;
`- The balance of all non-promotional purchases and cash advances.
`- The full remaining balance of deferred interest promotional credit plans expiring in the billing period.
`- The required minimum payment amount Ior any other promotional credit plan or balance transler.
` Interest charges calculated from the last billing date.
`
`Affected by COVID-19? Comenity Capital Bank Otters Support
`As the bank that manages your credit card. our hearts go out to those affected by the coronavirus
`(COVID-19) pandemic.
`The support we're extending to you. It you're experiencing financial hardship because of COVlD-IQ.
`please mil 1-866-254-9967 (TDDfl'I'Y: 1888-819-1918) to discuss how we may be able to help.
`Account Center is available 24]? for you to manage your MY PLACE REWARDS CREDIT
`CARD account onllne. You can make payments and View your balance, transactions and statements
`online. Not yet registered? Visit Comenity.net/childrensplace. enter your MY PLACE REWARDS CREDIT
`CARD credit card account number and ZIP code, then verify your identity.
`We're looking out for you. We remain Iocused on the health and well-being of our customers and
`associates. and we'll continue to stay on top oi what's happening during the pandemic so we can best
`suppon you.
`IMPORTANT INFORMATION ABOUT LATE FEE CREDITS
`We may occasionally provide a credit tor the amount, part or all, of a late fee charged to your account. If
`In addition, we may reverse
`we do, we will charge a tee of up to $41.00 for any subsequent late payment.
`the credit and repost the charge to your account il you fail to make the minimum payment due on or
`before the due date in the next billing period.
`** Must register child(ren)'s birthday(s) at least 4 weeks prior to their birthday. must have a valid online
`account at childrensplace.com/rewards, and opt-in Ior receiving marketing emails in order to receive
`birthday coupon(s). May only register up to 4 birthday(s). ages 0-16. under each account. Valid one time
`only. Otter will be received during your child(ren)'s birthday month. Must have valid email address and
`U.S. mailing address.
`
`(CONTINJED)
`
`EHSULDLD
`
`UUUBLSSD
`
`5]a33
`
`UDUUUBSUU UUUULIIJ'HB
`
`
`
`
`
`PAGl: 4 Of- 4-
`
`Additional important messages continued
`"' Cardholders earn 2 My Place Rewards member points for every $1 spent With the My Place Rewards
`Credit Card. Must have valid email address and US. mailing address. Otter is exclusive to My Place
`Rewards Credit Card holders enrolled in the My Place Rewards program. Valid on eligible purchases in
`US. and Puerto Rico stores and at child rensplace.com, SugarandJade.com, or gym boree.com.Va|id on
`The Children's Place, Sugar and Jade and Gymboree branded merchandise. This rewards program is
`provided by The Children's Place and its terms may change at any time. For full Rewards Terms and
`Conditions. please see Child rensplacecom/rewards'terms.
`Credit card otters are subject to credit approval.
`.0 PAPERLESS and manage your account online!
`With paperless billing, you receive an email reminder prior to your payment due date. Get started today by
`visiting Comenity.net/childrensplace
`STEP 1: Sign in or register your account. STEP 2: Click Paperless account preference on the home
`page.
`
`Protect yourself against mail and phone consumer fraud.
`http ://about. usps. com/publications/pubze 1 iweIcom e. htm
`
`THE SAME ACCOUNT CENTER, ONLY BETTER.
`
`The redesrgned Account Center features a streamlined view of important information
`and easy access to services you use the most. Plus, even more great updates to come!
`
`Better experience. More convenience.
`
`
`
`
`
`EXHIBIT 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 January 4,
`202] between Seller and Midland Credit Management, lnc. ("Purchaser"), its successors
`and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of
`the Closing Date of August 30, 2022 all rights, title and interest of Seller in and to those
`certain Accounts described in the Credit Card Account Purchase Agreement and
`Schedule l (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's
`Accounts Information has been kept in the regular course of Seller's business, and was
`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. All capitalized terms used, but not defined, in this Bill of Sale
`shall have the meanings assigned to such term in the Credit Card Account Purchase
`Agreement.
`
`This Bill of Sale is executed without recourse except as stated in the Credit Card Account
`Purchase Agreement to which this is an Exhibit. No other representation of or warranty of
`title or enforceability is expressed or implied.
`COMENI'I'Y CAPITAL BANK
`
`Midland Credit Management, Inc.
`16'1"""53'1 'MM/éfl t
`11/1/2022
`Date:
`Title VP 0f BUSiness Devek'pment
`
`flan Z 22
`Date:
`Title: Chief Credit Officer
`
`
`
`
`
`SCHEDULE 1 TO BILL OF SALE
`ASSET SCHEDULE
`
`The individual Accounts transferred pursuant to the Credit Card Account Purchase Agreement and
`of
`Bill
`Sale
`file
`described
`are
`electronic
`in
`the
`named
`MCMG_MF_AUG_2022__DPL.CCB.TXT;MCMG MF AUG 2022 LCS CCB.TXT delivered by
`Comenity Capital Bank to Midland Credit Management,
`on August 25, 2022 and
`Inc.
`summarized in the table immediately below (the "Sale File").
`
`# of Charged-off
`Accounts
`
`Aggregate Unpaid Balance
`
`Percent
`
`File Creation Date
`
`8/24/2022
`
`
`
`
`
`EXHIBIT B
`
`CLOSING STATEMENT
`
`January 4. 2021
`COMENITY CAPITAL BANK
`
`Midland Credit Management. Inc.
`
`MCMG_MF_AUG_2022_DPL_CCB.TXT;
`MCMG'VMF_V_IAUG__2O22_I .CS_CCB.TX'I'
`
`August 24. 2022
`
`August 30, 2022
`
`AGREEMENT DATE:
`SELLER:
`PURCHASER:
`
`FILE NUMBER:
`NUMBER OF ACCOUNTS:
`TOTAL UNPAID BALANCE:
`PURCHASE PRICE
`PERCENTAGE:
`PURCHASE PRICE:
`FILE CREATION DATE:
`CLOSING DATE:
`
`WIRING INSTRUCTIONS
`
`
`
`
`
`PORTFOLIO LEVI-El. AFFID:\VIT F SA E B\'
`
`State of Utah
`
`§C
`
`ounty of Salt Lake
`all I93
`, Bruce A. Swcctcn ("Afi'lam") being duly sworn, dcposes and says:
`l am over 18 and I am the Chief Credit Officer of Comenity Capital Bank ("Seller").
`In that
`capacity and as pan of my regular job duties, l 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.
`
`q
`
`I,
`
`On[
`
`l.
`
`Seller owns certain accounts, and maintains and records information in the records as they relate
`to such accounts.
`l am authorized to 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, l can testify competently to the facts contained
`herein.
`
`My regularjob 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
`thereafler.
`
`On or about 8/30/2022, 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.
`
`5
`
`Pursuant to the sale,