PAGE 1 OF 4
Summary of account activity Payment information
Account no. ****-****-****-6803 New balance $135.44
Minimum payment due $37.00
Previous balance +$143.25 Save on Interest PaymentSM $135.44
Payments -143.25 Payment due date 10/01/2024
Other credits -0.00
Purchases +131.71 Late payment warning:
If we do not receive your minimum payment by 10/01/2024 you
Other debits +0.00
may have to pay up to a $41.00 late fee.
Fees charged +0.00
Interest charged +3.73 Minimum Payment Warning: If you make only the minimum
New balance +$135.44 payment for each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
Past due amount $0.00
If you make no additional You will pay off And you will
Credit limit $350.00 charges using this card the balance shown end up paying an
Available credit $214.00 and each month you pay: on the statement estimated total
Statement closing date 09/06/2024 in about: of:
Days in billing cycle 30 Only the minimum payment 4 months $144
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.NET/TORRID or call 1-800-853-2921 (TDD/TTY 1-800-695-1788).
Details of your transactions
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
08/08/2024 PAYMENT - THANK YOU -143.25
08/09/2024 TORRID CITY OF INDUS CA 131.71
,,,,,
MDT0104308943
Interest charged
Interest Charge on Purchases $3.73
Total Interest For This Period $3.73
2024 totals year to date
Total fees charged in 2024 $174.00
Total interest charged in 2024 $19.98
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 SUBJECT INTEREST
BALANCE APR TO INTEREST RATE CHARGE
Purchases 35.24% (v) 129.05 (DA) 3.73
Additional important messages
We may charge a $2.99 fee each month your balance is greater than $3.50 and a paper billing statement is mailed to
you. You can avoid this fee if you are enrolled in paperless statements as of 5:00 p.m. ET on the last day of your billing
period. You can enroll at COMENITY.NET/TORRID
(CONTINUED)
1211 JWJ 001 7 3 240906 0 PAGE 1 of 3 2 0 9635 0136 M007
NOTICE: See reverse side for important information.
Please tear at perforation above
Account
****-****-****-6803
number
New balance Minimum payment
$135.44 $37.00
Yes, I have moved or updated my Mailed payments must reach us
e-mail address - see reverse. Amount enclosed: by 5 pm ET on 10/01/2024.
$
Please make check payable to:
AAATDAFDADTFAAAAADDTFTFAFTDAAAFDFATFTTTADAFATDFDTFFFDTTTTADATADFT COMENITY - TORRID
Please return this portion along with your payment to:
DONNA ROZELL-SMITH
P.O. Box 650960
409 MARTIN ST
CHANDLER TX 75758-2001 Dallas TX 75265-0960
FFFAAFDDAATTTTAFTFDTFFFATTFTTFDADFFFAFTAFAADDTTDAATDADTTFDFFAFTTF
9635013603 0960 5856379587746803 000003700 000013544
*Account must not be in default. Redemption Details: The 5% everyday discount cannot be combined with the 40% first
purchase discount. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. The entire
transaction amount after discount must be placced on the Torrid Credit Card. Not valid on Spanx. Torrid LLC employees
are ineligible to receive this discount. Select products may be excluded from this offer - please visit
http://www.torrid.com/tccoffers for full list of ineligible products. Savings estimate shown in cart is based on current subtotal
and is subject to change during checkout process. Final savings will be shown on the checkout page.
Keep this portion for your records. HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after
the close of each billing cycle. We will not charge you interest on purchases
What To Do If You Think You Find A Mistake On Your Statement if you pay your entire balance by the due date each month. We will begin to
If you think there is an error on your statement, write to us at: Comenity Bank, charge interest on new purchases made under a Low APR, Equal Payment
PO Box 182782, Columbus, OH 43218-2782. or Budget Payment Credit Plan from the date of purchase.
In your letter, give us the following information:
● Account information: Your name and account number. BALANCE COMPUTATION METHOD. We calculate interest separately for
● Dollar amount: The dollar amount of the suspected error. each balance using the method(s) described below. The two letters in
● Description of Problem: If you think there is an error on your bill, parentheses next to the Balance Subject to Interest Rate column in the
describe what you believe is wrong and why you believe it is a Interest Charge Calculation section on this statement corresponds to the
mistake. following:
You must contact us within 60 days after the error appeared on your
statement. You must notify us of any potential errors in writing. You may call (DA) We figure the interest charge on this balance by applying the periodic
us, but if you do we are not required to investigate any potential errors and rate to the "daily balance" for each day in the billing period. To get the "daily
you may have to pay the amount in question. balance" we take the beginning balance each day, add any new transactions
While we investigate whether or not there has been an error, the following and fees and subtract any payments or credits (treating any net credit
are true: balance as a zero balance). This gives us the daily balance.
● We cannot try to collect the amount in question, or report you as
delinquent on that amount. CUSTOMER SERVICE. Visit COMENITY.NET/TORRID or call
● The charge in question may remain on your statement, and we may 1-800-853-2921 (TDD/TTY 1-800-695-1788). Send all inquiries to:
continue to charge you interest on that amount. But, if we determine CUSTOMER SERVICE, PO Box 182273, Columbus, OH 43218-2273.
that we made a mistake, you will not have to pay the amount in
question or any interest or other fees related to that amount. TELEPHONE MONITORING. To provide you with high-quality service, phone
● While you do not have to pay the amount in question, you are communication with us is monitored and/or recorded.
responsible for the remainder of your balance. ADDITIONAL INFORMATION. Abbreviations on your statement mean the
● We can apply any unpaid amount against your credit limit. following: (v) means variable rate (this rate may vary); WV INT PAY RQ
means WAIVE INTEREST, PAYMENT REQUIRED; WV INT EQ PY means
Your Rights If You Are Dissatisfied With Your Credit Card Purchases WAIVE INTEREST, EQUAL PAYMENT; WV INT LOW PMT means WAIVE
If you are dissatisfied with the goods or services that you have purchased INTEREST, LOW PAYMENT; DF INT PY RQ means DEFER INTEREST,
with your credit card, and you have tried in good faith to correct the problem PAYMENT REQUIRED; DEF INT EQ PY means DEFER INTEREST, EQUAL
with the merchant, you may have the right not to pay the remaining amount PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT
due on the purchase. and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. You may pay
all of your Account balance at any time without penalty.
To use this right, all of the following must be true: NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide
1. The purchase must have been made in your home state or within 100 a check as payment, you authorize us either to use information from your
miles of your current mailing address, and the purchase price must have check to make a one-time electronic fund transfer from your account or to
been more than $50. (Note: Neither of these is necessary if your purchase process the payment as a check transaction.
was based on an advertisement we mailed to you, or if we own the company
that sold you the goods or services.) PAYMENTS. Payments in U.S. dollars received by the applicable due date
2. You must have used your credit card for the purchase. Purchases made and cutoff time will be credited as of the date received. Mailed or overnighted
with cash advances from an ATM or with a check that accesses your credit payments must also meet the requirements below. Otherwise, a payment
card account do not qualify. may not be credited for up to five days or may be rejected.
3. You must not yet have fully paid for the purchase. Mailing or Overnight (cutoff time 5:00 p.m. Eastern Time (ET)):
● Send a personal check, money order, traveler's check or cashier's
If all of the criteria above are met and you are still dissatisfied with the check to the name and address on the payment stub (regular mail) or
purchase, contact us in writing at: Comenity Bank, PO Box 182782, 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 (overnight).
Columbus, OH 43218-2782. ● Include your payment stub, use the return envelope provided with your
statement, write your account number on the check and send one
While we investigate, the same rules apply to the disputed amount as payment with one payment stub.
discussed above. After we finish our investigation, we will tell you our ● Do not staple or clip your payment to the stub, send any
decision. At that point, if we think you owe an amount and you do not pay we correspondence with your payment or send cash or gift certificates.
may report you as delinquent.
Pay By Phone (cutoff time 5:00 p.m. ET): Call us toll free at
CREDIT REPORTING. We may report information about your account to 1-800-853-2921(TDD/TTY 1-800-695-1788).
credit bureaus. Late payments, missed payments, or other defaults on your
account may be reflected in your credit report. Online (cutoff time 5:00 p.m. ET): Visit COMENITY.NET/TORRID.
In-store: By the time the store closes at the location you make your
NOTICE OF CREDIT REPORT DISPUTES payment.
If you believe information we reported to a consumer reporting agency is
inaccurate, notify us at Comenity Bank, PO Box 182789, Columbus, OH
43218-2789. Please provide:
● Your name and account number
● Your address and telephone number
● What information you dispute and why you believe it is inaccurate
● If available, a copy of the section of the credit report showing the
information you are disputing
Send all bankruptcy notices and related correspondence to Comenity
Bank, Bankruptcy Department, PO Box 182125, Columbus, OH
43218-2125.
PAYMENTS MARKED "PAID IN FULL". All written communications
regarding disputed amounts that include any check or other payment
instrument 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 REMITTANCE ENVELOPE.
- We may accept payment sent to any other address without losing any of our
rights.
PAGE 3 OF 4
Additional important messages - continued
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 the 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.
As a reminder, we may assess a Late Fee if you do not pay at least your Minimum Payment Due by the Payment Due
Date shown on your Monthly Billing Statement.
