EXHIBIT 3 

Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 1 of 12 PageID #: 35
*Q---2075089VER-1-* 2075089 

Bar admission (OH, IN, KY, TN, TX, & WV) information for our attorneys is listed on our website at www.jbllc.com

1100 Superior Avenue, 19th Floor

Cleveland, Ohio 44114-2521

O: 216-623-0000

F: 216-623-0190

Toll Free: 866-881-2400

October 30, 2023

Dajore Marks

3760 Broadmoor Dr

Beaumont, Tx 77707-2420

RE: Our File No. –

Current Creditor -

Consumer -

2075089 

Synchrony Bank

Techron Advantage Visa Credit Card

Dajore Marks

Dear Dajore Marks:

Your request for verification was received by our office regarding the above file. Below please find the 

verification you requested. 

Specifically:

DATE VERIFIED: October 30, 2023

AMOUNT OF DEBT: Balance Due $2,019.03

CURRENT CREDITOR: Synchrony Bank

Techron Advantage Visa Credit Card

ADDRESS OF CREDITOR 170 Election Road 

Suite 125

Draper, UT 84020

ACCOUNT NUMBER: 

SOCIAL SECURITY NUMBER:

DATE ACCOUNT WAS OPENED:

DATE OF MOST RECENT PAYMENT:

************4900

XXX-XXSeptember 27, 2017

November 04, 2021

If you have any questions, please call (800) 837-4601 during business hours: Monday through Friday 8AM5PM, (Eastern Time).

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained 

will be used for that purpose.

Thank you for your attention to this matter.

Sincerely,

Javitch Block LLC

Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 2 of 12 PageID #: 36
Payment Information

New Balance: $1,511.72

Total Minimum Payment Due: $49.00

Overlimit Amount: $11.72

Payment Due Date: 12/15/2021

 

Late Payment Warning: If we do not receive your Total Minimum Payment

Due by the Payment Due Date listed above, you may have to pay a late fee

up to $39.00.

 

Minimum Payment Warning: If you make only the minimum payment

each period, you will pay more in interest and it will take you longer to pay

off your balance. For example:

If you make no

additional charges

using this card

and each month

you pay ....

You will pay off

the balance

shown on this

statement in

about ...

And you will end

up paying an

estimated total

of ...

Only the minimum

payment

6 years $3,038.00

$62.00 3 years $2,222.00

(Savings = $816.00)

 If you would like information about credit counseling services, call

1-877-302-8775.

Payments must be received by 5pm ET on

12/15/2021 if mailed, or by 11:59pm ET on

12/15/2021 for online and phone payments.

NOTICE: We may convert your payment into an

electronic debit. See reverse for details, Billing

Rights and other important information.

DAJORE MARKS

 Account Number ending in 4900

PAGE 1 of 5 Visit us at www.TechronAdvantageCard.com or Call 1-866-448-4367

Account Summary

Previous Balance as of 10/23/2021 $1,501.74

Payments - 266.00

Purchases/Debits + 242.81

Interest Charges + 33.17

New Balance as of 11/22/2021 $1,511.72

31 Day Billing Cycle from 10/23/2021 to 11/22/2021

Credit Limit $1,500

Available Credit OVERLIMIT

Cash Limit $300

Available Cash OVERLIMIT

5006 CPJ 1 7 20 211122 O PAGE 1 of 5 3941 1400 C801 O1BQ5006 

Overlimit

 Amount

$11.72

Account Number 4900

New Balance $1,511.72

Total Minimum Payment Due $49.00

Payment Due Date 12/15/2021

Amount

Enclosed $ 

Use blue or black ink,

detach & mail with your

check.

No other correspondence please. Print new address or email

changes on back.

DAJORE MARKS 

3760 BROADMOOR DR

BEAUMONT TX 77707-2420 Make

Payment

to: 

CHEVRON VISA / SYNCB

PO BOX 960012

ORLANDO, FL 32896-0012

Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 3 of 12 PageID #: 37
Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 4 of 12 PageID #: 38
5006 CPJ 1 7 20 211122 O PAGE 2 of 5 3941 1400 C801 O1BQ5006 

DAJORE MARKS

 Account Number ending in 4900

PAGE 2 of 5 Visit us at www.TechronAdvantageCard.com or Call 1-866-448-4367

Fuel Credit Details

Eligible Spend This Period $109.81

Gallons Purchased This Period 0.00

Total Fuel Credits Paid This Period $0.00

Congratulations! You earned $0.00 in total

Fuel Credits this period which has been applied

as a statement credit to the balance on your account.

Use your Techron Advantage Visa Credit Card

to earn $0.03/Gal in Fuel Credits on every

fill-up, every time at Chevron and Texaco stations.

Limited-Time Mobile Offer Fuel Credits earned on gas

purchases made within the Chevron or Texaco mobile app will

appear on your statement within 3 billing periods.

Transaction Detail

Date Reference # Description Amount

Payments -$266.00

11/01 74195099H0139599A ONLINE PAYMENT THANK YOU -$133.00

11/04 74195099L013KH7Y9 ONLINE PAYMENT THANK YOU -$133.00

Purchases and Other Debits $242.81

11/01 F3941009K000ZU001 ONLINE PAYMENT THANK YOU $133.00

11/20 2469216A42XM980Q3 SPECTRUM 855-707-7328 MO $109.81

Total Fees Charged This Period $0.00

Total Interest Charged This Period $33.17

11/22 INTEREST CHARGE ON PURCHASES $33.17

11/22 INTEREST CHARGE ON CASH ADVANCES $0.00

2021 Year-to-Date Fees and Interest

Total Fees Charged $156.00

Total Interest Charged $253.66

Total Interest Paid $227.14

Interest Charge Calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate

Type of

 Balance

Expiration

 Date

Annual

Percentage Rate

Balance Subject to

 Interest Rate

Interest

 Charge

Purchases N/A 26.99% (v) $1,447.07 $33.17

Cash Advances N/A 29.99% $0.00 $0.00

Important Cardholder Information

Synchrony Bank may continue to obtain information, including employment and income information from others about you

(including requesting reports from consumer reporting agencies and other sources) to review, maintain or collect your account.

You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we will no

longer be including return envelopes. You can make things even easier by selecting the paperless statement option on your account

online.

Limited-Time Mobile Offer Fuel Credits earned on gas purchases made within the Chevron or Texaco mobile app will appear on

your statement within 3 billing periods.

For information about the Chevron and Texaco Techron Advantage Fuel Credits Program, log on to TechronAdvantageCard.com

or call 1-866-448-4367.

Thank you for your business. Paying at least your minimum payment by the payment due date helps ensure uninterrupted charging

privileges at nearly 8,000 Chevron and Texaco stations nationwide.

Cardholder News

Manage your account with 24/7 online access at www.TechronAdvantageCard.com. You can make payments, view electronic

statements, sign up for text message and email account alerts*, chat with an Agent and more.

*Text message and/or data fees may apply.

Looking for a more convenient payment due date? Call customer service at the phone number on your statement to determine if you

are eligible and to discuss available options.

Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 5 of 12 PageID #: 39
5006 CPJ 1 7 20 211122 O PAGE 3 of 5 3941 1400 C801 O1BQ5006 

PAGE 3 of 5 Visit us at www.TechronAdvantageCard.com or Call 1-866-448-4367

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5006 CPJ 1 7 20 211122 O PAGE 4 of 5 3941 1400 C801 O1BQ5006 

Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 7 of 12 PageID #: 41
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Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 8 of 12 PageID #: 42
Payment Information

New Balance: $0.00

Amount Past Due: $0.00

Total Minimum Payment Due: $687.00

Payment Due Date: 06/22/2022

 

Late Payment Warning: If we do not receive your Total Minimum Payment

Due by the Payment Due Date listed above, you may have to pay a late fee

up to $40.00.

Payments must be received by 5pm ET on

06/22/2022 if mailed, or by 11:59pm ET on

06/22/2022 for online and phone payments.

NOTICE: We may convert your payment into an

electronic debit. See reverse for details, Billing

Rights and other important information.

DAJORE MARKS

 Account Number ending in 4900

PAGE 1 of 3 Visit us at www.TechronAdvantageCard.com or Call 1-866-519-2565

Account Summary

Previous Balance as of 05/24/2022 $1,979.03

Other Credits - 2,019.03

Fees Charged + 40.00

New Balance as of 06/20/2022 $0.00

28 Day Billing Cycle from 05/24/2022 to 06/20/2022

Credit Limit $1,500

Available Credit $0

Cash Limit $300

Available Cash $0

Fuel Credit Details

Eligible Spend This Period $0.00

Gallons Purchased This Period 0.00

Total Fuel Credits Paid This Period $0.00

Congratulations! You earned $0.00 in total

Fuel Credits this period which has been applied

as a statement credit to the balance on your account.

Use your Techron Advantage Visa Credit Card

to earn $0.03/Gal in Fuel Credits on every

fill-up, every time at Chevron and Texaco stations.

Limited-Time Mobile Offer Fuel Credits earned on gas

purchases made within the Chevron or Texaco mobile app will

appear on your statement within 3 billing periods.

Transaction Detail

Date Reference # Description Amount

Other Credits -$2,019.03

06/20 F394100HV00999990 CHARGE OFF ACCOUNT-PRINCIPALS -$1,478.55

06/20 F394100HV00999990 CHARGE OFF ACCOUNT-INTEREST CHARGE -$540.48

Total Fees Charged This Period $40.00

06/15 LATE FEE $40.00

5006 CPJ 1 3 20 220620 Z X PAGE 1 of 3 3941 1400 C801 O1BQ5006 

Amount

Past Due

Overlimit

Amount

$0.00 $0.00

Account Number 4900

New Balance $0.00

Total Minimum Payment Due $687.00

Payment Due Date 06/22/2022

Amount

Enclosed $ 

Use blue or black ink,

detach & mail with your

check.

No other correspondence please. Print new address or email

changes on back.

 

Make

Payment

to: 

CHEVRON VISA / SYNCB

PO BOX 960012

ORLANDO, FL 32896-0012

DAJORE MARKS

3760 BROADMOOR DR

BEAUMONT TX 77707-2420

Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 9 of 12 PageID #: 43
Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 10 of 12 PageID #: 44
5006 CPJ 1 3 20 220620 Z X PAGE 2 of 3 3941 1400 C801 O1BQ5006 

DAJORE MARKS

 Account Number ending in 4900

PAGE 2 of 3 Visit us at www.TechronAdvantageCard.com or Call 1-866-519-2565

Transaction Detail (Continued)

Date Reference # Description Amount

Total Interest Charged This Period $0.00

06/20 INTEREST CHARGE ON PURCHASES $0.00

06/20 INTEREST CHARGE ON CASH ADVANCES $0.00

2022 Year-to-Date Fees and Interest

Total Fees Charged $235.00

Total Interest Charged $198.01

Total Interest Paid $0.00

Interest Charge Calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate

Type of

 Balance

Expiration

 Date

Annual

Percentage Rate

Balance Subject to

 Interest Rate

Interest

 Charge

Purchases N/A 27.24% (v) $0.00 $0.00

Cash Advances N/A 29.99% $0.00 $0.00

Important Cardholder Information

If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form located at

www.syf.com under the 'Contact Us' page.

Statement not provided to customer.

You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we will no

longer be including return envelopes. You can make things even easier by selecting the paperless statement option on your account

online.

Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 11 of 12 PageID #: 45
5006 CPJ 1 3 20 220620 Z X PAGE 3 of 3 3941 1400 C801 O1BQ5006 

PAGE 3 of 3 Visit us at www.TechronAdvantageCard.com or Call 1-866-519-2565

Case 1:23-cv-00431-MJT-CLS Document 5-3 Filed 12/15/23 Page 12 of 12 PageID #: 46