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Summary of account activity Payment information
Account no. ****-****-****-8274 New balance 6.06
Minimum payment due 6.06
Previous balance 2.03 Payment due date 07/04/2022
Payments 0.00
Other credits 0.00 Late payment warning:
Purchases 0.00 If we do not receive your minimum payment by 07/04/2022 you may
Other debits 0.00 have to pay up to a 41.00 late fee.
Fees charged 4.03 Minimum payment warning: If you make only the minimum
Interest charged 0.00 payment for each period, you will pay more in interest and it will take
New balance 6.06 you longer to pay off your balances. For example:
Past due amount 0.00 If you make no additional You will pay off And you will
Credit limit 700.00 charges using this card the balance shown end up paying an
Available credit 0.00 and each month you pay: on the statement estimated total
Statement closing date 06/08/2022 in about: of:
Days in billing cycle 30 Only the minimum payment 1 month 6
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/HOTTOPIC or call 1-844-271-2526 (TDD/TTY 1-800-695-1788).
Skip signing in to pay and use Comenitys EasyPay. Its safe and convenient. Use your smartphone camera or code
reader to scan the QR code printed on your payment stub below to get started.
HOT TOPIC GUEST LIST
INSTANT REWARDS* SPECIAL OFFERS SPECIAL EVENTS
& PREVIEWS
Details of your transactions
TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
Fees
06/04/2022 LATE FEE 2.03
06/08/2022 MINIMUM INTEREST CHARGE 2.00
Total fees charged for this period 4.03
Interest charged
Interest charge on purchases 0.00
Total interest for this period 0.00
2022 totals year to date
Total fees charged in 2022 14.71
Total interest charged in 2022 12.04
NOTICE: See reverse side for important information.
Please tear at perforation above
Account
number ****-****-****-8274
New balance Minimum payment
6.06 6.06
99 3
I have moved or updated my Mailed payments must reach us by 6pm ET
Yes,
e-mail address - see reverse. Amount on 07/04/2022.
enclosed:
Please make check payable to:
COMENITY - HotTopic
Please return this portion along with your payment to:
STEPHANIE SALAS
122 MILLER AVE PO BOX 650960
MISSION TX 78572-5442 DALLAS TX 75265-0960
17301006 00119809 5856379564938274 000000606 000000606
Keep this portion for your records.
CREDIT REPORTING. We may report information about your account to
What To Do If You Think You Find A Mistake On Your Statement credit bureaus. Late payments, missed payments, or other defaults on your
account may be reflected in your credit report.
If you think there is an error on your statement, write to us at: Comenity
Bank PO Box 182782, Columbus, OH 43218-2782. NOTICE OF CREDIT REPORT DISPUTES
In your letter, give us the following information: If you believe the account information we reported to a consumer reporting
Account information: Your name and account number. agency is inaccurate, you may submit a direct dispute to Comenity Bank PO
Dollar amount: The dollar amount of the suspected error. Box 182789, Columbus, OH 43218-2789. Your written dispute must
Description of Problem: If you think there is an error on your bill, provide sufficient information to identify the account and specify why the
information is inaccurate:
describe what you believe is wrong and why you believe it is a mistake.
Account Information: Your name and account number
You must contact us within 60 days after the error appeared on your Contact Information: Your address and telephone number
statement. You must notify us of any potential errors in writing. You may
call us, but if you do we are not required to investigate any potential errors
Disputed Information: Identify the account information disputed and
explain why you believe it is inaccurate
and you may have to pay the amount in question. Supporting Documentation: If available, provide a copy of the section of
While we investigate whether or not there has been an error, the following the credit report showing the account information you are disputing
are true:
We cannot try to collect the amount in question, or report you as We will investigate the disputed information and report the results to you
within 30 days of receipt of the information needed for our investigation. If
delinquent on that amount. we find that the account information we reported is inaccurate, we will
The charge in question may remain on your statement, and we may promptly provide the necessary correction to each consumer reporting
continue to charge you interest on that amount. But, if we determine that agency to which we reported the information.
we made a mistake, you will not have to pay the amount in question or
any interest or other fees related to that amount. PAYMENTS MARKED "PAID IN FULL". All written communications
While you do not have to pay the amount in question, you are responsible regarding disputed amounts that include any check or other payment
instrument marked with payment in full or similar language, must be sent
for the remainder of your balance.
to: 3000 Kellway Drive, Suite 120 Carrollton, TX 75006.
We can apply any unpaid amount against your credit limit. DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases - We may accept payment sent to any other address without losing any of
our rights.
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 - No payment shall operate as an accord and satisfaction without prior
problem with the merchant, you may have the right not to pay the remaining written approval.
amount due on the purchase. CUSTOMER SERVICE. Visit comenity.net/hottopic or call 1-844-271-2526
To use this right, all of the following must be true: (TDD/TTY 1-800-695-1788).
1. The purchase must have been made in your home state or within 100 TELEPHONE MONITORING. To provide you with high-quality service,
miles of your current mailing address, and the purchase price must have phone communication with us is monitored and/or recorded.
been more than 50. (Note: Neither of these is necessary if your purchase
was based on an advertisement we mailed to you, or if we own the company ADDITIONAL INFORMATION. The following designations, when appearing
that sold you the goods or services.) on the front of your statement, mean the following: V means variable rate
(this rate may vary) WV INT PAY RQ means WAIVE INTEREST, PAYMENT
2. You must have used your credit card for the purchase. Purchases made REQUIRED WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT WV
with cash advances from an ATM or with a check that accesses your credit INT LOW PMT means WAIVE INTEREST, LOW PAYMENT DF INT PY RQ
card account do not qualify. means DEFER INTEREST, PAYMENT REQUIRED DEF INT EQ PY means
3. You must not yet have fully paid for the purchase. DEFER INTEREST, EQUAL PAYMENT DF INT LOW PMT means DEFER
INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL
If all of the criteria above are met and you are still dissatisfied with the PAYMENT. If you have a variable rate account, your periodic rates may vary.
purchase, contact us in writing at: Comenity Bank PO Box 182782, You may pay all of your Account balance at any time without penalty.
Columbus, OH 43218-2782.
Send all inquiries to: CUSTOMER SERVICE, PO Box 182273, Columbus, OH
While we investigate, the same rules apply to the disputed amount as 43218-2273.
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 Send all bankruptcy notices and related correspondence to Comenity Bank,
we may report you as delinquent. Bankruptcy Department, PO Box 182125, Columbus, OH 43218-2125.
HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
the close of each billing cycle. We will not charge you interest on purchases check as payment, you authorize us either to use information from your
if you pay your entire balance by the due date each month. We will begin to check to make a one-time electronic fund transfer from your account or to
charge interest on new purchases made under a Low APR, Equal Payment process the payment as a check transaction. When we use information from
or Budget Payment Credit Plan from the date of purchase. your check to make an electronic fund transfer, funds may be withdrawn
from your account as soon as the same day we receive your payment, and
BALANCE COMPUTATION METHOD. We calculate interest separately for you will not receive your check back from your financial institution.
each type of balance on your account using a Daily Balance to determine
interest charges for each billing period. 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. To get the daily balance we
take the beginning balance of your account each day, add any new
purchases and fees, and subtract any payments or credits (treating any net
credit balance as a zero balance). This gives us the daily balance.
PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format (outlined below) it
may not be credited to your Account for up to five days, or may be rejected. Also, your payment must reach us by the payment cutoff time that applies to
the payment method you select.
Correct Format. Correct format for different payment methods include:
Mailing or Overnight: Send a personal check, money order, travelers check or cashiers check payable in U.S. dollars, to the name and address shown on
this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or
clip your payment to the stub, include your account number on your check, use the envelope provided with your Statement, send one payment with one
payment stub and do not send any correspondence with your payment. You should overnight a payment to 3000 Kellway Drive, Suite 120 Carrollton, TX
75006 and the additional format requirements are the same as other mailed payments unless there is a dispute, in which case you follow the Payments
Marked Paid In Full section above. Do not send cash or gift certificates. Pay By Phone: You can call us toll free at 1-844-271-2526 (TDD/TTY
1-800-695-1788) to make a payment by telephone, which may include a fee. Online: You can make a payment online at comenity.net/hottopic. In-store:
You can make payments in-store.
Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the
following times: Mailing and Overnight: By 6:00 pm Eastern Time (ET) Pay By Phone: By 5:00 pm (ET) Online: By 5:00 pm (ET) and In-store: By the time
the store closes at the location you make your payment.
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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 25.2400% (v) 2.38 0.00
Additional important messages
Save on Interest Payment: You can check Account Center 24/7 for up-to-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 for any other promotional credit plan or balance transfer.
- Interest charges calculated from the last billing date.
As you requested, we have closed your credit account. A monthly billing statement will be sent until the
balance is paid in full. You do not have any available credit due to your account being closed.
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.
*This rewards program is provided by Hot Topic and its terms may change at any time.
For full Rewards Terms and Conditions, please see
https://www.hottopic.com/customer-service/ht-guestlist-terms-and-conditions/.
How can you take charge against ID Theft? Visit idtheft.gov to find out.
17301006 00119810 5856379564938274 000000606 000000606
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