HomeMy WebLinkAbout12-4097Robert N. Polas, Jr., Esquire PA Bar # 201259
Carrie A. Brown, Esquire PA Bar # 94055
Portfolio Recovery Associates, LLC
140 Corporate Blvd.
Norfolk, VA 23502
TELE: 1-866-428-8102
FAX: 757-518-0860
Attorneys for Plaintiff
2012 JUN 29 pM 1: { 2
C
CONT
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL ACTION - LAW
PORTFOLIO RECOVERY
140 Corporate Blvd.
Norfolk, VA 23502
v.
ROSEMARY SANTIAGO
9 ANNENDALE DR
CARLISLE PA 17015
ASSOCIATES, LLC
Plaintiff
Defendant
NOTICE
No. / 2 - ??917 &/11
You have been sued in Court. If you wish to defend against the claims set forth in the following pages,
you must take action withing twenty (20) days after this Complaint and Notice are served, by entering a
written appearance, personally or by an attorney, an filing in writing with the Court your defenses or
objections to the claims set forth against you. You are warned that if you fail to do so, the case may
proceed without you and a judgment may be entered against you by the Court without further notice of
any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or
property rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH
INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE
YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO
ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Lawver Referral Service - CUMBERLAND County Bar Association
Court Administrator
32 South Bedford Street
Carlisle, PA 17013 /U3, 7,-! c/?
(717) 249-3166 C # f / 06b'O, g
Pennsylvania Lawyer Referral Service
(800) 692-7375 KIT 2 ?7 3R
This communication is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
Robert N. Polas, Jr., Esquire PA Bar # 201259
Carrie Brown, Esquire PA Bar # 94055
Portfolio Recovery Associates, LLC
140 Corporate Blvd.
Norfolk, VA 23502
TELE: 1-866-428-8102
FAX: 757-518-0860
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL ACTION - LAW
PORTFOLIO RECOVERY ASSOCIATES, LLC
140 Corporate Blvd.
Norfolk, VA 23502
Plaintiff No.
V.
ROSEMARY SANTIAGO
9 ANNENDALE DR
CARLISLE PA 17015
Defendant
NOTICIA
USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas
en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dial despues que esta Demanda
y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando
por escrito con la Corte sus defensas o obejciones a las demandas puestas en esate contra usted. usted es
advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta
usted por la Corte sin mas aviso por cualquier dinero reclamdo en la Demanda o por cualquier otro reclamo
o alivio solicitado por Demandante. usted puede perder dinero o propiedad o otros derechos importante para
usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN
ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA
PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO.
SI USED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE
INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERV ICIOS LEGAL A PERSONAS
ELGIBLE AQ UN HONORARIO REDUCIDO O GRATIS.
Lawyer Referral Service - CUMBERLAND County Bar Association
Court Administrator
32 South Bedford Street
Carlisle, PA 17013
(717) 249-3166
Pennsylvania Lawyer Referral Service
(800) 692-7375
-11' co>lrill, t1xticat:ion is fi-om a debt collector and i4 .??? :?tten?pt 10 collect, U dChl,
-1ny infarmation Obtained will lie u,cd Ic)r ffiat ])LUP SC,
Robert N. Polas, Jr., Esquire PA Bar # 201259
Carrie Brown, Esquire PA Bar # 94055
Portfolio Recovery Associates, LLC
140 Corporate Blvd.
Norfolk, VA 23502
TELE: 1-866-428-8102
FAX: 757-518-0860
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL ACTION - LAW
PORTFOLIO RECOVERY ASSOCIATES, LLC
140 Corporate Blvd.
Norfolk, VA 23502 ;
Plaintiff No.
V.
ROSEMARY SANTIAGO
9 ANNENDALE DR
CARLISLE PA 17015
Defendant
COMPLAINT
Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with
offices located at 140 Corporate Blvd., Norfolk, VA 23502.
Defendant ROSEMARY SANTIAGO, is an adult individual with last known address of 9
ANNENDALE DR, CARLISLE PA 17015.
It is averred that Defendant was indebted to GE MONEY BANK F.S.B. / OLD NAVY on June 18,
2007 with account number ************6369 (hereafter referred to as "Account"). A copy of the
account history is attached here to and collectively marked as Exhibit: "A."
By using the Account, Defendant agreed to repay any incurred balances and/or charges made to
the Account pursuant to the terms and conditions governing said Account. Failure to pay
Defendant's incurred charges on the Account is considered a default.
At all relevant times material hereto, Defendant has used said Account for the purchase of
products, goods and/or for obtaining services.
cominurricallon is from a debt collector aiid 9s an at erxrpt to Collect r
? JI. inf'onnation obtained will be used t6r tfiat purpw e.
6. Defendant was provided with copies of the Statements of Account showing all debits and credits
for transactions on the aforementioned Account to which there was no bonafide objection by
Defendant.
7. Defendant was in default with respect to that debt for failure to make the required payments on the
Account. The last payment made on this Account was on July 3, 2010.
8. Plaintiff is the purchaser, assignee and/or successor in interest GE MONEY BANK F.S.B. / OLD
NAVY and Plaintiff is now the holder of the Account. A true and correct copy of the affidavit is
attached hereto and collectively marked as Exhibit "A."
9. As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's
Account, as a result of Defendant and/or any authorized user's use of said Account is in the sum of
$4,062.42.
10. Despite reasonable and repeated demands for payment. Defendant has refused and continues to
refuse to pay all sums due and owing on the aforementioned Account, all to the damage and
detriment of the Plaintiff.
11. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration.
WHEREFORE, Plaintiff respectfiilly requests this Honorable court enter Judgment in favor of
Plaintiff and against Defendant, ROSEMARY SANTIAGO, in the amount of $4,062.42, plus costs of this
action and any other relief as the Court deems ju
11-91462
Hilii cormnuaiication is from a debt collect(?r acid is an dtte1nl)t to C011ect =A dC. 11.
\nv Int6rination o }tained x ill be LiSecl 11or that purpose.
Robert N. Polas Jr., Esquire # 201259
Carrie A. Brown, Esquire # 94055
VERIFICATION
The undersigned Custodian of Records for Portfolio Recovery Associates, LLC,
Mary L. Moore
hereby states that he/she is authorized to take this verification on behalf of
said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are
true and correct to the best of his/her knowledge, information, and belief, based upon information
provided by the Plaintiff.
The undersigned understands that false statements herein are made subject to the penalties of 18
Pa. C.S. Section 4904, relating to unsworn falsification to authorities.
r?
Date : JUN 13 2012 B
L. Moore
Custodian of Records
11-91462
This communication is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
EXHIBIT A
This communication is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
PORTFOLIO RECOVERY ASSOCIATES, LLC
140 Corporate Boulevard
Norfolk, Virginia 23502
Telephone: 1-866-428-8102
Fax: 1-757-518-0860
7
Statement of Account
Account: ************6369
ROSEMARY SANTIAGO
Account Holder:
ROSEMARY SANTIAGO
9 ANNENDALE DR
CARLISLE PA 17015
Consumer Account
Issuer:
Assignee:
Account Number:
Date Account Opened:
Date of Last Payment:
Date of Charge Off:
Balance at Purchase:
Purchase Date:
Product Code: PVT
GE MONEY BANK F.S.B. / OLD NAVY
Portfolio Recovery Associates, LLC
************6369
June 18, 2007
July 3, 2010
February 11, 2011
$4,062.42
September 29, 2011
Balance at Charge-Off: $4,062.42
Less Payments: $.00
Balance Due: $4,062.42
11-91462
GECM49
This communication is from a collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
AFFIDAVIT
State of Virginia
City of Norfolk ss.
I, the undersigned, Mary L. Moore
depose, affirm and state as follows:
Custodian of Records, for Portfolio Recovery Associates, LLC hereby
I am competent to testify to the matters contained herein.
2. I am an authorized employee of Portfolio Recovery Associates, LLC, ("Account Assignee") which is doing
business at Riverside Commerce Center, 140 Corporate Boulevard, Norfolk, Virginia. I am familiar with the policies and
practices, as well as the books and records of Account Assignee with respect to the matters stated herein. This affidavit
is based upon my personal knowledge of Account Assignee's record keeping system and my review of Account
Assignee's records, including a review of the business records transferred to Account Assignee from GE MONEY BANK
F.S.B. / OLD NAVY ("Account Seller"), which have become a part of and have integrated into Account Assignee's
business records, in the ordinary course of business.
3. According to the business records, which are maintained in the ordinary course of business, the account, and all
proceeds of the account are now owned by the Account Assignee, all of the Account Seller's interest in such account
having been sold, assigned and transferred by the Account Seller on September 29, 2011. Further, the Account Assignee
has been assigned all of the Account Seller's power and authority to do and perform all acts necessary for the settlement,
satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest
in said account or the proceeds thereof, for any purpose whatsoever.
4 According to the records transferred to the Account Assignee from Account Seller, and maintained in the
ordinary course of business by the Account Assignee, there was due and payable from ROSEMARY SANTIAGO
("Debtor") to the Account Seller the sum of $4,062.42 with the respect to account number (************6369), as of
February 11, 2011 with there being no known un-credited payments, counterclaims or offsets against the said debt as of
the date of the sale.
5. According to the records of said Account Assignee, after all known payments, counterclaims, and/or setoffs
occurring subsequent to the date of sale, Account Assignee claims the sum of $4,062.42 as due and owing as of the date
of this affidavit.
Doolio Recove Associates, LLC
M , Custodian of Records
N
11-11462
JUN 13 2012
and sworn to before me on of , 2012
Jason Vita
Commonwealth of Vlrglnia
Notary Public
Commission No. 7509710
My Commission Expires 1/31/2015
l*11is c,:onlrnunication is ii-oni a debt collector and is an attempt to collect a debt,
? nv N11,01-111ation ohtnfled .kill lie used for that prit•1 osc.
GE lVM017ey Sank
BILL of SALE
PRA 120-day ium P,,-- = September 2011
For value received and in further consideration of the mutual covenants and conditions
set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated
the 20th day of December 2010 by and between General Electric Capital Corporation, a
Delaware corporation, GE Money Bank, a federal savings bank, and Retailer Credit
Services Inc, a Delaware corporation (collectively "Seller") and Portfolio Recovery
Associates, LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to
Buyer, its successors and assigns, without recourse except as set forth in the Agreement,
to the extent of its ownership, the Receivables as set forth in the Notification Files (as
defined in the Agreement), delivered by Seller to Buyer on September 20, 2011, and as
further described in the Agreement.
GE Money Bank
By:
Title: CFO
Retailer Credit Services Inc
By:
Title: President
General Electric Capital Corporation
By:
Title: Vice President
G ECM49 i o.4r 2
GE Money Bank
BILL of SALE
PRA 120-day Mid Prime - September 2011
For value received and in further consideration of the mutual covenants and conditions
set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated
the 20th day of December 2010 by and between General Electric Capital Corporation, a
Delaware corporation, GE Money Bank, a federal savings bank, and Retailer Credit
Services Inc, a Delaware corporation (collectively "Seller") and Portfolio Recovery
Associates, LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to
Buyer, its successors and assigns, without recourse except as set forth in the Agreement,
to the extent of its ownership, the Receivables as set forth in the Notification Files (as
defined in the Agreement), delivered by Seller to Buyer on September 20, 2011, and as
further described in the Agreement.
GE Money Bank
By:
Title: CFO
Retailer Credit Services Inc
By:
Title: President
General Electric Capital Corporation
By: 11- ?
Title: Vice President
GacAoM9 Z ac 2
Previous Balance
- Payments
+ Fees Charged
+ Interest Charged
Credit Limit
Available Credit
Cash Limit
Available Cash
Statement Closing Date
Days in Billing Cycle
ROSEMARY SANTIAGO Visit us at eservice.oldnavy.oom
Account Number -369 Customer Service:1-886-4545294
$3.195.37
$110.00
$52.12
$54.42 New Balance $3,191.91
Total Minimum Payment Due $87.00
Overlimit Amount $101.91
Payment Due Date 08/10/2010
$3,191.91
Late Payment Warning: If we .to not receive your minimum
payment by the date listed above, you may have to pay a late
$3,090.00 fee up to $39.00 and your APRs may be increased up to a
OVERLIMIT Penalty APR of 27.24%.
$618.00 Minimum Payment Warning: If you make only the minimum
OVERLIMIT payment each period, you will pay more in interest and k will
07/1812010 take you longer to pay off your balance. For example:
31
If you make no
You will pay off
And you will end
additional charges the balance up paying an
using this card shown on this estimated total
and each month statement in of
you pay.... about...
Your Rewards Summary
Beginning Points Balance 783
Points Earned in Our Stores' 0
Total Points 783
POINTS TO NEXT REWARD 217
Only the Minimum 19 $7,746.00
payment years
$119.00 3 years $4,284.00
(Savings =
$3,462.00)
If you would like information about credit counseling services,
call 1-877-302-8775.
Your Account News
Each purchase leads to rewards. Enjoy a $10 Reward Car
for every 1,000 points earned. You're only 217
points away from earning your next Reward Card
Than Date Post Date Reference Number Description of Transaction or Credit Amount
`Purchases In Our Stores (Gap, Old Navy, Banana Republic, Piperlime and Athlete)
Other Transactions (gas, groceries, etc.)
07103 07103 7447994J900XS6H14 ONLINE PAYMENT THANK YOU ALPHARETTA, ($110.00)
GA
FEES
07118 07118 CARD SECURITY 1 800 815 4051 $52.12
TOTAL FEES FOR THIS PERIOD $52.12
INTEREST CHARGED
07/18 07118 INTEREST CHARGE ON PURCHASES $54.42
07/18 07/18 INTEREST CHARGE ON CASH ADVANCES $0.00
TOTAL INTEREST FOR THIS PERIOD $54.42
2010 Totals Year-To-Date
Total Fees Charged in 2010 $425.58
Total Interest Charged in 2010 $386.07
PAYMENT DUE BY 5 P.M. IET) ON THE DUE DATE
NOTICE: We may convert your payment into an electronic debit. See reverse for details, Billing Rights and other important
information.
6544 SYH 1 7 15 100718 O PAGE 1 of 3 3179 1600 1303 CIFA6544
_I
Detach and mail this portion with your check. Do not include any correspondence with your check.
Account Number: 369
Total Minimum Payment Overtimit New Balance
<M> E Payment Due Due Date Amount
$87.00 08/10/2010 $101.91 $3,191.91
Payment Enclosed:
Please use blue or black ink. ? ?
s ? ? ? ? E
OR pay on-line at J a
We currently do not accept eservice.oldnavy.com New address or email? Print changes on back.
payments in our stores.
ROSEMARY SANTIAGO
9 ANNENDALE DR
CARLISLE PA 17015-9140 Make Payment To: OLD NAVY VISA/GEMB
PO BOX 960017
ORLANDO, FL 32896.0017
Customer Servkaf Questions: For account information, please call the toll free number on the front of this statement. Unless your name is listed
on this slate mart, your access to information on I he account maybe limited. You may also mail questions (but not payments) te: P.O. Box 981984,
El Paso, TX 799984084. Please include youraccounl num beron any correspondence you send to us.
Payments: Send payments to the address listed on the remit portion of this statement or pay online.
Notke: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federai
law To preserve your rights, please wdletoourBilhngInquiries Address, PC.Box 981401,El Paso TX79998-1401.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as
payment, you authorize us eitherto use Information from yourcheckto make a one-timeelectronic fund transfer from your account orto process th e
payment as a check transaction. When we use information "in your check to make an electronic fund transfer.. funds maybe withdrawn from you,
account as soon as the same day we receive your payment, and you well not receive your check back from your financial institution. You may
choose not to have your payment collected electronically by sending your payment(with the payment stub), in your own envelope- not
the enclosed wbrdowenvelow. addressedlo: P.O. Box 539993. Atlanta. GA 30353.0993 and notthe PavmentAddress.
What To Doff You ThMk YouFmdAMistake On YourStatainsid
If you think there is an error on your statement, write to us at
GE Money Bank
P0. Box 981401, El Paso, TX 791
In your letter, give us the following information:
• Account information: Your name and account number
• Do#aramount: The dollar amount of the suspected error.
• Description of Problem If you think there is an error on your bill,
describe what you believe is wrong and why you believe if is a mistake.
You must cordad us within 60 days after the error appeared on your
statement
You must notify us of any potential errors in nmfmg- You may callus, but
rf you do we are not requlted to Investigate any potential errors and you
may haveto oaythe acount in question.
While we investigate whether or not there has been an error, the
following are true:
• We cannot try to collect the amount in question, or report you as
delinquent on that amount
• The charge in question may remain on your statement. and we may
conlinuelo charge you interest on that amount But, if we determine that
we made a mistake, you will not have to pay the amount in question or any
interest oromerfeas related to that amount.
• While you do not have to pay the amount in question, you are
responsible for the remainder of your balance
• We can apply any unpaid amount against yourcredd limit.
YoLwMilhiliYouAreDisa&§Bed Wlfh YourCredITCardPurchases
If you are dissatisfied with the goods or services that you have
purchased with your credit card, and you have tried in good faith locorred
the problem with the merchant, you may have the right not to pay the
remaining amount due on the purchase.
To usethis rghl, all of the following must be true:
1. The purchase must have been made in your home stale or within 100
Miles of your current mailing address, and the purchase price must have
been more than $50 (Note: Neither of these are necessary if your
purchase was based on an advertisement we mailed to you, or if we own
thecompany that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases
made with rash advances from an ATM or with a check that accesses your
credit card account donol qualify.
3. You must not yet have fully paid for the purchase.
tt all of the criteria above are met and you are still dissatisfied with the
purchase, contact us inwritkrgaC
GE Money Bank
PO Box 981401, El Paso, TX 79998-1401
While we investigate, the same rules apply to the disputed amount as
discussed above. After ws finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay
we may repot you as delinquent.
information About Payments: You may pay more than the Total
Minimum payment at any time. Payments received after 5:00 PM (ET)
on any day will be credited as of the next day. Credit to you Account
may be delayed up to five days if payment (a) is not received at the
Payment Address, (b) is not made in U.S. dollars drawn or a US.
financial inslitrnion located in the U.S., (c) is not accompanied by the
remittance coupon attached to your statement, (d) contains more than
one payment or remittance coupon, (e) is not received in the remittance
envelope provided or (f) includes staples. paper clips, tape. a folded
check, or correspondence of any type. Conditional Payments: All
wrillen communications concerning disputed amounts, including any
check or other payment instrument that (i) indicates that the payment
constitutes "payment in full' or is tendered as full satisfaction of a
disputed amount. or (ii) is tendered with other conditions or limitations
!`Disputed Payments"), must be mailed or delivered to us at P0. Box
981401 EI Paso, TX 79998-1401.
Credits To YourAccoumf: An amount shown in parenthesis or precedes,
by a minus'-) sign is a credit a credit balance unless otherwise indicated.
Credits will be applied toyour previous balance immediately upon receipt,
but will not satisfy any required payment that may be due.
Croft Reports And Account Information: If you believe that we have
reported Inaccurate information about you to a consumenrepci ing
agency please contact us at P0. Box 981400, El Paso, TX 79M 1400 In
doing so, please identify the inaccurate information and tell us why you
befiefe it is incorrect. If you have a copy of the credit report that includes
the Inaccurate information, please include a copy of that report. We may
report infornation about your account to credit bureaus. Latepayments,
missed payments, or other defauits on your account maybe reflected in
yourcred'itreporl
Balance SuNectto krteresf Charge Calculation
Daily Balance method:
We figure the interest charge on your account by applying the periodic rate
to the'daily balance' of your account for each day in the billing cycle. We
then add the interest to the daily balance . To get the 'daily balance" we
tale the beginning balance of your account each day (which includes
unpaid interest), add any new charges, and applicable fees, and subtract
any payments or credits- This gives us the daily balance Anydailybalance,
of less than zero will be treated as zero. A separate daily balance will be
calculated for each balance type on your account. The balance(s) shown
in the Interest Charges section of this statement is the sum of the daily
balances for each day in the billing cycle divided by the number of days in
thebllingcycle
Bankruptcy Notice: If you file bankruptcy you must send us notice,
including account number and all information related to the proceeding to
the following address: GE Money Bank, Attn: Bankruptcy Dept., 00 Box
103104, Roswell, GA30076.
Yo uracco urt Is owned and servked by GE Money Bank.
Nearing Impaired: TDD users call 1-810.444-1732.
OIFA6544-6-06282010
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on my account I consent to GE Money Bank and any other owner or servicer of my account contacting me about my
account, including using any contact information orcell phone numbers I provide, and I consent to the use of my automatic telephone dialing system andrnr
an artificfalor prerecorded volcewhen contacting me, even h I am charged forthe call under my phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below
Name
Street
? Address
City St
Zip
Phone #
E-mail
Home Phone # Business Phone # 'Cell # brother phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and also give permission for us to share
your email address to GAP, Inc.
OLD Clam. ; 7 ROSEMARY SANTIAGO
Account Number 369
Summary of Account Activity
Previous Balance $3,997.52
- Other Credits $4,047.47
+ Purchases(Debils $14.95
+ Fees Charged $35.00
New Balance $0.00
Credit Limit $3,090.00
Available Credit $0.00
Cash Limit $618.00
Available Cash $0.00
Statement Closing Date 02/112011
Days in Billing Cycle 25
Visit us at eservice.oldnavy.corn
Customer Service:!-866-450-2324
New Balance $0.00
Minimum Payment this Period $932.00
Amount Past Due $0.00
Total Minimum Payment Due $932.00
Payment Due Date 02/15/2011
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $35.00.
Your Rewards Summary Your Account News
Beginning Points Balance 873 Each purchase leads to rewards. Enjoy a $10 Reward Car
Points Earned in Our Stores` 0 for every 1,000 points earned. You're only 1,000
Points Eamed-Other Purchases 15 points away from earning your next Reward Card.
Total Points 0
POINTS TO NEXT REWARD 1,000
Tran Date Post Date Reference Number Description of Transaction or Credit Amount
"Purchases In Our Stores (Gap, Old Navy, Banana Republic, Piperlime and Athlete)
Other Transactions (gas, groceries, etc.)
02106 02106 246921615005RAOME AOL* SERVICE 800-827-6384 NY $14.95
02/11 02111 F3179001A000W990 CHARGE OFF ACCOUNT-PRINCIPALS ($3,189.63)
02111 02/11 F3179001A00999990 CHARGE OFF ACCOUNT 'FINANCE CHARGES' ($857.84)
FEES
02110 02110 LATE FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
INTEREST CHARGED
D2111 02/11 INTEREST CHARGE ON PURCHASES $0.00
D2111 02111 INTEREST CHARGE ON CASH ADVANCES $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2011 Totals Year-To-Date
Total Fees Charged in 2011 $70.00
Total Interest Charged in 2011 $59.45
Merest Charge Calculation
'our Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Expiration Percentage Subject To Interest
Type of Balance Date Rate Interest Rate Charge
Purchases WA 17.24%(v) $0.00 $0.0(
Cash Advances N/A 22.24%(v) $0.00 $O.D(
v) = variable rate
PAYMENT DUE BY 5 P.M. (ET) ON THE DUE DATE
NOTICE: We may convert your payment into an electronic debit. See reverse for details, Billing Rights and other important
information.
6544
EYR 1 5 15 110211 Z X PAGE 1 of 1 3179 16DO D302 OIFA6544
Detach and mail this portion with your check. Do not include any correspondence with your check.
i
+a 1 E Account Numbe 369
Total Minimum Past Due Payment Due Overllm t Now Sala
nte
Payment Due Amount Date Amount
$932.00 $0.00 02/152011 $0.00 $0.00
b
u
k
? ?
F
Please use
l
e or black in
. $
? ?
l
? ?
.
OR pay on-Ane at
We currently do not accept eservice.oldnavy.com New address or email? Print changes on back.
payments in our stores.
ROSEMARY SANTIAGO
9 ANNENDALE DR
CARLISLE PA 17015-9140 Make Payment To: OLD NAVY VISA/GEMB
PO BOX 960017
ORLANDO, FL:3289"017
Customerservice/Questions: For account information, please can the loll tree number on inerrant of this slalemem. Unless your name is listed
on this statement, your access to information on the account maybe limited. You may also mail questions (but not payments) to: P.O. Box 9811x4,
El Paso,TX 79998.1064. Please include youraccount mum baron any correspondence you send to us.
Payments: Send payments lathe address listed on the remit portion of this statement or pay online.
Nolke: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal
law. To preserve your rights, please wrli our Billing Inquiries Address, P0. Box 981401, El Paso TX 79998-1401.
Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provides check as
payment, you authorize us a therto use Information from yourcheck to make a one-time electronic fund transfer from your account or to process the
payment as a check transaction. When we use information from your check to make an electronic fund I ransfer, funds maybe withdrawn from your
account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. You may
choose not to have your payment collected electronically by sending yourpayment(wkh the payment stub), in your own envelope- not
8 you thinkthere isan error onyour statement, wnteto us al
GE Money Bank
P.O. Box 981401, El Paso, TX 79998.1401
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount. The dollar amount of the suspected error.
• Description of problem 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 contad us within 60 days after the error appeared on your
statement
You must notify us of any potential errors in writing. You maycall us. but
if you do we are not required to investigate any potential errors and you
may have to paythe amount in question.
While we investigate whether or not there has been an error, the
following are true:
• We cannot try to tolled the amount in 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, If we determine that
we made a mistake, you will not have to pay the amount in question or any
interest or olherfees related to that amount.
• While you do rat have to pay the amount in question, you are
responsible for the remainder of your balance
• We can apply any unpaid amount againstyourcredil limit.
Your Rights If You AreDimWisffod III Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have
purchased with your credit card, and you have tried in good faith to correct
the problem with the merchant. you may have the right not to pay the
remaining amount due on the purchase.
Tousethisni all of the following must be true:
1. The purchase must have been made in your home state orwithin 100
miles of your current mailing address, and the purchase price must have
been more than 850 (Note: Neither of these are necessary if your
purchase was based on an advertisement we mailed to you or it we own
thecompany that said you the goods or services.)
2. You must have used your credit card for the purchase. Purchases
made with cash advances from ar ATM orwilh a check that accesses your
credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the drillers above are met and you are still dissatisfied with the
purchase contact usinwrifingati
GE Money Bank
P0. Bon 981401, El Paso, TX 79998-1401
While we invesligale, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point. if we think you owe an amount and you do not pay
we may report you asdelinquent
Information About Payments: You may pay more than the Total
Minimum Payment al any time. Payments received after 5:00 PM (ET)
on any day will be credited as of the next day. Credit to your Account
may be delayed up to five days if payment (a) is not received at the
Payment Address, (b) is not made in U.S. dollars drawn on a US.
financial institution located in the U.S., (c) is not accompanied by the
remittance coupon attached to your statement, (d) contains more than
one poi or remittance coupon (e) is not received in the remittance
envelope provided or (fi includes staples paper clips, tape a folded
check, or correspondence of any type. Conditional Payments: All
written communications concerning disputed amounts, including any
check or other payment instrument that (i) indicates that the payment
constitutes `payment in full, or is tendered as full satisfaction of a
disputed amount. or (ii) is tendered with other conditions or limitations
"Dlsputed Payments'), must be mailed or delivered to us at P0. Box
981401 EI Paso, TX79998-1401.
by a minus I-) sign is a credit or credit balance unless otherwise indicated
Credits will be applied to your previous balance immediately upon receipt,
but will not salisly any required payment that may be due.
Credit Reports And Account Information: If you believe that we have
reported inaccurate information about you to a consumer-reporting
agency. please contact us at P0. Box 981400, El Paso, TX 79998-1400 1 n
doing so, please identify the inaccurate information and tell us why you
believe it is incorrect. If you have a copy of the credit report that includes
the inaccurate information, please include a copy of that report. We may
report information about your account to credit bureaus. Lale payments,
missed payments, or other defaults at your account maybe reflected in
yourcrecift report
.
Balance SuiWee tto lotereet Charge Calculation
Daily Balance method:
We figurethe interest charge on your account by applying the periodic rate
tothe'daily balance'ofyour account for each day in the billing cycle, VVP
then add the interest to the daily balance. To get the'daity balance" we
lake the beginning balance of your account each day (which includes
unpaid interest), add any new charges, and applicable foes, and subtract
any payments or credits. This gives us the, daily balance Any daily balance
of less than zero will be treated as zero. A separate daily balance will be
calculated for each balance type on your account. The balance(s) shown
in the Interest Charges section of this statement is the sum of the daily
balances for each day in the billing cycle divided by the number of days i n
the bftling cycle
Banfuupicy Notice: If you file bankruptcy you must send us notice,
including account number and all information related to the proceeding to
the following address: GE Money Bank, Ahn: Bankruptcy Dept., 00 Box
103104, Roswell, GA 30078.
Youraccountls ownedand servlicedby GENoney Bark.
Naas nglmpahed: TDD userscall 1-800-444-1732,
Oi FA6544 - 6 - 06128010
This is an attempt to collect a debt and any information obtained will be used for that purpose.
'By providing a telephone number on my account I consent to GE Money Bank and any other owner or service of my account contacting me about my
acco unt, including using any contact information or cell phone numbers I provide, and I consent to the use of my automatic telephone dialing system and/or
an artificial or prerecorded voice when contacting me, even d 1 am charged for the call under my phone plan.
For changes of address, phone number and/or email, please check the box and print the changes below
Name
Street
? Address
City St
Zip
Phone #
E-mail
Home Phone # Business Phone # 'Cell # or aher phone # we Email Address
can use to contact you
By providing your email address, you agree ':o receive email communications abonr, your account and also give permission for us to share
your email address to GAP, Inc.
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
z$+????? pt ?atrubrrr
Portfolio Recovery Associates, LLC
vs.
Rosemary Santiago
2912 Jt]L 23 APB B.- 3
CUMBERLAND COUNT
P`NNSYLVANIA
Case Numbi
2012-4097
SHERIFF'S RETURN OF SERVICE
07/16/2012 06:14 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on Jul 16
2012 at 1814 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Rosemary Santiago, by making known unto Brian Hurst, adult in charge at 9 Annen ale
Drive, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing t hirr
personally the said true and correct copy of the same.
EPUTY
SHERIFF COST: $34.00
July 17, 2012
SO ANSWERS,
RON R ANDERSON, SHERIFF