Preview
FILED: BRONX COUNTY CLERK 05/01/2024 03:06 PM INDEX NO. 807255/2024E
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/01/2024
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PAGE
1OF4
Summa of account activi P ment information
Accountno. ****-****-****-6077 NGwbalance $5,747.69
Mihimumpaymentdue $1,288.00
Previousbalance $5,568.75 P ymentduedate 02/20/2022
Payments 0.00
Othercredits 0.00 La e paymentwarning:
Purchases 0.00 If e donotreceiveyourminimumpaymentby 02/20/2022youmay
Otherdebits 0.00 __h e to payup to a $4000latefee
Feescharged 40.00 MIlimumpaymentwarning:If youmakeonlytheminimum
Interestcharged 138.94 paymentforeachperiod,youwill paymorein interestandit willtake
Newbalance $5,747.69 yo° longerto payoffyourbalances.Forexample:
II
Pastdueamount 1,086.00 If'youmakeno additional Youwill payoff Andyouwill
Creditlimit $3,720.00 c argesusingthis card thebalanceshown end up payingan
Availablecredit $0.00 andeachmonthyoupay: on thestatement estimatedtotal
Statementclosingdate 01/25/2022 .] in about: of:
Daysin billingcycle 31 O ly theminimum payment 18years <317304
Fofinformationregardingcreditcounselingservices,
call 1-800-284-1706.
Skipsigningin to payanduseComenity'sEasyPay.
It's afeandconvenient.Useyoursmartphone
cameraor code
readerto scantheQRcodeprintedonyourpaymentstu belowto get started.
Details of your transactions
TRANSA E TR NSACIONDESCRIPTION
LOC ION ANlouNT
Fees
01/20/2022 LATEFEE 40.00
Totalfeeschargedfor this period $40.00
........-.-.-----...--....--....---.....--.............................................-........
............................................................................-...-......
Interest Charged
Interestchargeon purchases . $138.94
Total interestfor this period $138.94
2022totals yearto date
Totalfeeschargedin 2022 $40.00
Totalinterestchargedin2022 $138.94
Interest char oe calculation
YourAnnualPercentage COMPUTATION
Rate(APR)is theannualinteresrateonyouraccount.SeeBAL..ANCE METHOD
onpage2 formoredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement.
TYPE OF BALANCESuBJECT INTEREST
BALANCE APR ToINTERESTRATE CHARGE
Purchases 28.9900% 5,643.36 138.94
Additional important messages
Effective February 2, 2022, the cutoff times for ents to be Creditedon 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 Eastem Time will postaonthe same day. Please see the information provided
on the back of the first page of your statement for more details about payment cutoff times.
(CONTINUED)
---------------------------------NOTICE ee e n abn.
Account
number **"-*"*-****-6077
O Newbalance Minimum payment
ALPHAEON $5,747.69 $1,288.00
CREDIT
994
Mailedpayments
mustreachus by6pmET
Yes,I havemovedorupdatedmy Amount on02/20/2022.
e-madaddress- seereverse- enclosed:
$ Pleasemakecheckpayableto:
in|nhdqihpph.11qdildhHP'"lP'lll'lil'P HI
Pleaseretumthisportionalongwithyourpaymentto:
DENISEHIGUERA
201ROBINSON AVEAPTA PO BOX 650965
BRONXNY10465-3171 DALLAS TX 75265-0965
FILED: BRONX COUNTY CLERK 05/01/2024 03:06 PM INDEX NO. 807255/2024E
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/01/2024
Keep thisportion foryourrecords- CREDIT REPORTING. Wemayreport inkmnation atsulyouraccoun\ to
What ToDoIf YouThinkYou FindAMistake OnYour Statement cieditbureaus. Latepayments. missed payments, orotherdefaults onyour
. aEcount bereflected inyourcreditreport.
Ifyouthinkthereisancrroronyourstatement, writetousat:Comemty [g may
Capital BankPOBox182620, Columbus. OH43218-2620. NOTICE OFCREDIT REPORT DISPUTES
Inyourletter,giveusthefollowmg . .
. m1ormahon: If'youbelieve theaccount information wereported toaconsumer reporting
" Account a ency isinaccurate. youmaysubmil adirectdispute toComenity Capital
information: Your name andaccount number- BankPOBox182120, Columbus. OH43218-2120. Yourwritten dispute
" Dollar amount: Thedollaramount ofthesuspected crror- niust provide sufficient information to the account and
" Description identify specify why
off oMene Ifyouthinkthereisanerroronyourbill. I information isinaccurate:
descrite whatyoubelieve iswrong andwhyyoubelieve it isamistake- " Account Information: Yourname andaccount number
" Contact information: Youraddress andtelephone number
Youmustcontact uswithin60days altertheerrorappeared onyour
Information:
staternent. Youmustnotilyuso1anypotential errors inwriting. Youmay ,Disputed Identity theaccount information disputed and
callus,butif youdowearenotrequired toinvestigate anypotential errors explain why y ou beheve it isinaccurate
andyoumayhave topay1tm amount inquestion. While weinvestigate " Supporting Documentation: Ifavailable. provide acopyofthesection of
whether ornottherehasbeen anerror,thefollowing aretrue: thecreditreport showing theaccount information youaredisputing
" Wecannot try tocollect the amount inquestion, orreport you as
.
delmquent onthatamount. Wewillirwestigate thedisputed information andreport theresults 10you
" Thecharge mqueslion andwemay hin30days ofreceipt oftheinformation needed lorourinvestigation. II
mayremain onyourstatement, wefindthattheaccount information wereported isinaccurate, wewill
continue tocharge youinterestonthatamount. Hut.it wedetermine that prÖmptly provide thenecessary correction toeachconsumer reporting
wemade a mistake, youwillnothave topaytheamount mqueston or agEncy towhichwereported theinformation.
anyinterest orotherfeesrelated tothatamount. O
" While youdonothavetopaytheamount inquestion, youareresponsiblePAYMENTS MARKED "PAID INFULL''. AIIwritten communications
fortheremainder ofyourbalance. regarding disputed amounts thatincludetull"any check orotherpayment
" Wecanapply instrument marked with"payment in orsimilar language, mustbesent
anyunpaid amount againstyourcreditlimit. tof3000Kellway Drive.Suite120Carrollton, TX75006.
YourRights HYou AreDissatisfiedWithYour Credit Cani'uchases DO|NOT USE THEENCLOSED REMITTANCE ENVELOPE.
- Wemayaccept payment senttoanyotheraddress without losing anyof
Ifyouaredissatisfied withthegoods orservices thatyouhave purchased ourights.
withyourcreditcard.andyouhave triedingaxllaithtocorrect the - Nopayment shalloperate asanaccord andsatisfaction without prior
problem withthemerchant, youInayhave therightnottopaytheremaininEwrienapproval.
amount dueonthepurchase. El
CUSTOMER SERVICE. Visitcomenity.net/alphaeoncosmetic orcall
lousethisright,allofIhetollowing mustbefrue: I-855-497-8176 (TDD/TTY 1-888-819-1918).
(I
1.Thepurchase musthave been made inyourhome stateorwithin100 TELEPHONE MONITORING. Toprovide youwithhigh-quality service,
milesofyourcurrent mailing address. andthepurchase pricemusthave phGie communication withusismonitored and/or recorded.
beenmorethan$50.(Note- Neitherofthese isnecessary if yourpurchase 3
wasbased onanadvertisement wemailed toyou,orif weownthecompanyADDITIONAL INFORMATION. Ihefollowing designations, when appearing
thatsoldyouthegoods orservices.) ontheIrontofyourstatement, mean thefollowing: Vmeans variable rate
(thisratemayvary); WVINIPAY HQmeans WAIVE INTERES T,PAYMENT
2.Youmusthave used yourcreditcardforthepurchase. Purchases made REQUIRED: WVINTEQPYmeans WA1VE INTEREST. EQUAL PAYMENT; WV
withcashadvances fromanAIMorwithacheck thataccesses yourcredit INT; LOW PMT means WAlVE INTEREST, LOW PAYMENT; DFINTPYRQ
cardaccount donotqualify. meahs DEFER INFEREST, PAYMENT REQUIRED; DEFINIEQPYmeans
J.Youmustnotyethave tullypaidforthepurchase. DEEER INTERESI, EQUAL PAYMENI; DFINTLOW PMFmeans DEFER
INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APR, EQUAL
Ifallofthecriteria above aremetandyouarestilldissatisfied withthe PAYMENT. Ifyouhave avariable rateaccount, yourperimlic ratesmayvary.
purchase, contact usin iwritingat:comenity Capital Hank POBox182620, YounaypayallofyourAccount balance atanylimewithuul penalty.
Columbus, 011 43218-2620- to:CUSTOMER
sendallinquiries SERVICE. POBox183003, Columbus, OH
While weinvestigate, thesarne rulesapplytothedisputed amount as 43218-3003.
discussed above. Afterwefinishourinvestigation, wewilltellyouour li .
decision. Atthatpoint,it wethinkyouoweanamount andyoudonotpay Send allbankmptcy notices andrelated correspondence toComemty
wemayreport youasdelinquent' Capital Bank, Bankruptcy Department, POBox183043, Columbus, OH
43218-3043.
HOW TOAVOlD PAYlNG 1NTEREST. Your duedateisatleast2Sdays after NOTICE ABOUT ELECTRONIC CHECK CONVERSION.
thecloseofeachbillingcycle. Wewillnotcharge youinterest onpurchases
il youpayyourentiretalance bytheduedateeachmonth. Wewillbeginto Wheh youprovide acheck aspayment, youauthorize useithertouse
charge interestonnewpurchases made under aLowAPR, Equal Payment inforination fromyourchecktomake aone-time electronic fundtransfer
orBudget Payment CreditPlantromthedateorpurchase- frortlyuraccount ortoprocess thepayment asachecktransaction. When
BALANCE COMPUTATION METHOD. Wecalculate interest for weuseinformation fromyourcheck tomake anelectronic fund transfer,
separately
Balance" may b ewithdrawn fmm your account assoon a sthesame d aywe
eachtypeofbalance onyouraccount usinga "Daily todetermineΰ*0S,
recege yourpayrpens, andyouwillnotreceive yourcheck backfrmnyour
interest charges foreachbillingperiod. Wetiguretheinterest charge on
youraccount byapplying theperiodic ratetothe"dailybalance'°
balance"ofyour knancial instituhon.
account foreachdayinthebillingcycle.Togetthe"daily we
takethebeginning balance ofyouraccount eachday,addanynew
purchases arx1lees,andsubtract anypayments orcredils (treating anynet
creditbalance asazerobalance). Thisgives usthedailybalance.
PAYMENTS. PayyourAccount bythepayment duedatebythetimelistedbelow. Ifwedonotreceive yourpayment inacorrectformat (outlined
below)it
maynothecredited toyourAccount foruptofivedays,ormayberejected. you"payment
Also, mustreach usbythepayment cutofftimethatappliesto
thepayment method youselect.
Format.
Correct Correcllormat payment
fordiffereal methods inchade:
orOvernight:
Mailing Send a personalcheck.
money check
traveler's
order. orcashiecheckpayable inU.S.dollars,
tothename andaddress shown on
inthepayrnent
thisStatement yourbalance
stubareacontaining andminirnumpayment amount.Besuretoinclude yourpaymentstub,donotstaple or
clipyourpaymentlothestub,include youraccount
number onyourcheck, provided
usetheenlielope withyourSlatement, serwl
onepayment withone
stubanddonotsend
paymerit anycorrespondencewithyourpayment.Youshould overhight
apayment to3000Kellway Suite120Carrollton.
Drive, TX
75006 andtheacklitional
formatrequirements
arethesame asothermailedpaymentsunlessthereisa dispute,
inwhichcase youlollowthePayments
Marked"PaidinFulFsection atxwe.Donotsend cashorgillcertilicates.
PayByPhone: Youcancallustollfreeat 1-865-497-8176 (IDD/IlY
1-888-819-1918)tomake apayment whichmayinclude
bytelephone, afee.Orrline:
Ybucanmake apayment onlineatcomenity-net/alphaeoncosmetic.
PaymentCutoffTimes.Payment forustoreceive
cutofftimes/deadlines paymentsare theduedateonthisStatement inthepayment stubareaatthe
times:
foHowing Afailing andOwernight-By6-00 pmEastem T ime(ET);PayByPhone:By 5:00 pm(ET); Online: 5:00
By pm(ET).
NewInformation
Title(optional) FirstName MI
LastName Soc.Sec.No.
StreetAddress
Apt,No. RR POBox
II
City State ZipCode Foreign
MapCode
HomePhone WorkPhong
EmailAddress
i
FILED: BRONX COUNTY CLERK 05/01/2024 03:06 PM INDEX NO. 807255/2024E
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/01/2024
PAGE
3 OF4
Additional important messages - continued . .
IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a
bad debt at the end of this month. To avoid this you can pay the Minimum amount shown on this
statement before the end of this month. If you Jre not able to pay the Minimum Payment amount, we will
still be able to assist you and prevent your accoýnt from being written off. Call us at 1-855-617-8089
(TDD/TTY 1-888-819-1918) and we will find a suitable payment before the end of this month. If written off,
the bad debt will be reported to the three major :redit bureaus and our Recovery team will determine the
appropriate steps, as permitted and available urder applicable law. to protect our interests.
IMPORTANT INFORMATION ABOUT LATE EE CREDITS
We may occasionally provide a credit for the arnMunt,part or all, of a late fee charged to your account. If
we do, we will charge a fee of up to $40.00 for aly 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.
Consumers are entitled to one free credit report )er year. To request yours call 1-877-322-8228 or visit
annualcreditreport.com
I.
I
!
FILED: BRONX COUNTY CLERK 05/01/2024 03:06 PM INDEX NO. 807255/2024E
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/01/2024
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PAGE
4 OF4
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Preview
FILED: BRONX COUNTY CLERK 05/01/2024 03:06 PM INDEX NO. 807255/2024E NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/01/2024 ! ! PAGE 1OF4 Summa of account activi P ment information Accountno. ****-****-****-6077 NGwbalance $5,747.69 Mihimumpaymentdue $1,288.00 Previousbalance $5,568.75 P ymentduedate 02/20/2022 Payments 0.00 Othercredits 0.00 La e paymentwarning: Purchases 0.00 If e donotreceiveyourminimumpaymentby 02/20/2022youmay Otherdebits 0.00 __h e to payup to a $4000latefee Feescharged 40.00 MIlimumpaymentwarning:If youmakeonlytheminimum Interestcharged 138.94 paymentforeachperiod,youwill paymorein interestandit willtake Newbalance $5,747.69 yo° longerto payoffyourbalances.Forexample: II Pastdueamount 1,086.00 If'youmakeno additional Youwill payoff Andyouwill Creditlimit $3,720.00 c argesusingthis card thebalanceshown end up payingan Availablecredit $0.00 andeachmonthyoupay: on thestatement estimatedtotal Statementclosingdate 01/25/2022 .] in about: of: Daysin billingcycle 31 O ly theminimum payment 18years <317304 Fofinformationregardingcreditcounselingservices, call 1-800-284-1706. Skipsigningin to payanduseComenity'sEasyPay. It's afeandconvenient.Useyoursmartphone cameraor code readerto scantheQRcodeprintedonyourpaymentstu belowto get started. Details of your transactions TRANSA E TR NSACIONDESCRIPTION LOC ION ANlouNT Fees 01/20/2022 LATEFEE 40.00 Totalfeeschargedfor this period $40.00 ........-.-.-----...--....--....---.....--.............................................-........ ............................................................................-...-...... Interest Charged Interestchargeon purchases . $138.94 Total interestfor this period $138.94 2022totals yearto date Totalfeeschargedin 2022 $40.00 Totalinterestchargedin2022 $138.94 Interest char oe calculation YourAnnualPercentage COMPUTATION Rate(APR)is theannualinteresrateonyouraccount.SeeBAL..ANCE METHOD onpage2 formoredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement. TYPE OF BALANCESuBJECT INTEREST BALANCE APR ToINTERESTRATE CHARGE Purchases 28.9900% 5,643.36 138.94 Additional important messages Effective February 2, 2022, the cutoff times for ents to be Creditedon 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 Eastem Time will postaonthe same day. Please see the information provided on the back of the first page of your statement for more details about payment cutoff times. (CONTINUED) ---------------------------------NOTICE ee e n abn. Account number **"-*"*-****-6077 O Newbalance Minimum payment ALPHAEON $5,747.69 $1,288.00 CREDIT 994 Mailedpayments mustreachus by6pmET Yes,I havemovedorupdatedmy Amount on02/20/2022. e-madaddress- seereverse- enclosed: $ Pleasemakecheckpayableto: in|nhdqihpph.11qdildhHP'"lP'lll'lil'P HI Pleaseretumthisportionalongwithyourpaymentto: DENISEHIGUERA 201ROBINSON AVEAPTA PO BOX 650965 BRONXNY10465-3171 DALLAS TX 75265-0965 FILED: BRONX COUNTY CLERK 05/01/2024 03:06 PM INDEX NO. 807255/2024E NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/01/2024 Keep thisportion foryourrecords- CREDIT REPORTING. Wemayreport inkmnation atsulyouraccoun\ to What ToDoIf YouThinkYou FindAMistake OnYour Statement cieditbureaus. Latepayments. missed payments, orotherdefaults onyour . aEcount bereflected inyourcreditreport. Ifyouthinkthereisancrroronyourstatement, writetousat:Comemty [g may Capital BankPOBox182620, Columbus. OH43218-2620. NOTICE OFCREDIT REPORT DISPUTES Inyourletter,giveusthefollowmg . . . m1ormahon: If'youbelieve theaccount information wereported toaconsumer reporting " Account a ency isinaccurate. youmaysubmil adirectdispute toComenity Capital information: Your name andaccount number- BankPOBox182120, Columbus. OH43218-2120. Yourwritten dispute " Dollar amount: Thedollaramount ofthesuspected crror- niust provide sufficient information to the account and " Description identify specify why off oMene Ifyouthinkthereisanerroronyourbill. I information isinaccurate: descrite whatyoubelieve iswrong andwhyyoubelieve it isamistake- " Account Information: Yourname andaccount number " Contact information: Youraddress andtelephone number Youmustcontact uswithin60days altertheerrorappeared onyour Information: staternent. Youmustnotilyuso1anypotential errors inwriting. Youmay ,Disputed Identity theaccount information disputed and callus,butif youdowearenotrequired toinvestigate anypotential errors explain why y ou beheve it isinaccurate andyoumayhave topay1tm amount inquestion. While weinvestigate " Supporting Documentation: Ifavailable. provide acopyofthesection of whether ornottherehasbeen anerror,thefollowing aretrue: thecreditreport showing theaccount information youaredisputing " Wecannot try tocollect the amount inquestion, orreport you as . delmquent onthatamount. Wewillirwestigate thedisputed information andreport theresults 10you " Thecharge mqueslion andwemay hin30days ofreceipt oftheinformation needed lorourinvestigation. II mayremain onyourstatement, wefindthattheaccount information wereported isinaccurate, wewill continue tocharge youinterestonthatamount. Hut.it wedetermine that prÖmptly provide thenecessary correction toeachconsumer reporting wemade a mistake, youwillnothave topaytheamount mqueston or agEncy towhichwereported theinformation. anyinterest orotherfeesrelated tothatamount. O " While youdonothavetopaytheamount inquestion, youareresponsiblePAYMENTS MARKED "PAID INFULL''. AIIwritten communications fortheremainder ofyourbalance. regarding disputed amounts thatincludetull"any check orotherpayment " Wecanapply instrument marked with"payment in orsimilar language, mustbesent anyunpaid amount againstyourcreditlimit. tof3000Kellway Drive.Suite120Carrollton, TX75006. YourRights HYou AreDissatisfiedWithYour Credit Cani'uchases DO|NOT USE THEENCLOSED REMITTANCE ENVELOPE. - Wemayaccept payment senttoanyotheraddress without losing anyof Ifyouaredissatisfied withthegoods orservices thatyouhave purchased ourights. withyourcreditcard.andyouhave triedingaxllaithtocorrect the - Nopayment shalloperate asanaccord andsatisfaction without prior problem withthemerchant, youInayhave therightnottopaytheremaininEwrienapproval. amount dueonthepurchase. El CUSTOMER SERVICE. Visitcomenity.net/alphaeoncosmetic orcall lousethisright,allofIhetollowing mustbefrue: I-855-497-8176 (TDD/TTY 1-888-819-1918). (I 1.Thepurchase musthave been made inyourhome stateorwithin100 TELEPHONE MONITORING. Toprovide youwithhigh-quality service, milesofyourcurrent mailing address. andthepurchase pricemusthave phGie communication withusismonitored and/or recorded. beenmorethan$50.(Note- Neitherofthese isnecessary if yourpurchase 3 wasbased onanadvertisement wemailed toyou,orif weownthecompanyADDITIONAL INFORMATION. Ihefollowing designations, when appearing thatsoldyouthegoods orservices.) ontheIrontofyourstatement, mean thefollowing: Vmeans variable rate (thisratemayvary); WVINIPAY HQmeans WAIVE INTERES T,PAYMENT 2.Youmusthave used yourcreditcardforthepurchase. Purchases made REQUIRED: WVINTEQPYmeans WA1VE INTEREST. EQUAL PAYMENT; WV withcashadvances fromanAIMorwithacheck thataccesses yourcredit INT; LOW PMT means WAlVE INTEREST, LOW PAYMENT; DFINTPYRQ cardaccount donotqualify. meahs DEFER INFEREST, PAYMENT REQUIRED; DEFINIEQPYmeans J.Youmustnotyethave tullypaidforthepurchase. DEEER INTERESI, EQUAL PAYMENI; DFINTLOW PMFmeans DEFER INTEREST, LOW PAYMENT andLOW APR EQPAY means LOW APR, EQUAL Ifallofthecriteria above aremetandyouarestilldissatisfied withthe PAYMENT. Ifyouhave avariable rateaccount, yourperimlic ratesmayvary. purchase, contact usin iwritingat:comenity Capital Hank POBox182620, YounaypayallofyourAccount balance atanylimewithuul penalty. Columbus, 011 43218-2620- to:CUSTOMER sendallinquiries SERVICE. POBox183003, Columbus, OH While weinvestigate, thesarne rulesapplytothedisputed amount as 43218-3003. discussed above. Afterwefinishourinvestigation, wewilltellyouour li . decision. Atthatpoint,it wethinkyouoweanamount andyoudonotpay Send allbankmptcy notices andrelated correspondence toComemty wemayreport youasdelinquent' Capital Bank, Bankruptcy Department, POBox183043, Columbus, OH 43218-3043. HOW TOAVOlD PAYlNG 1NTEREST. Your duedateisatleast2Sdays after NOTICE ABOUT ELECTRONIC CHECK CONVERSION. thecloseofeachbillingcycle. Wewillnotcharge youinterest onpurchases il youpayyourentiretalance bytheduedateeachmonth. Wewillbeginto Wheh youprovide acheck aspayment, youauthorize useithertouse charge interestonnewpurchases made under aLowAPR, Equal Payment inforination fromyourchecktomake aone-time electronic fundtransfer orBudget Payment CreditPlantromthedateorpurchase- frortlyuraccount ortoprocess thepayment asachecktransaction. When BALANCE COMPUTATION METHOD. Wecalculate interest for weuseinformation fromyourcheck tomake anelectronic fund transfer, separately Balance" may b ewithdrawn fmm your account assoon a sthesame d aywe eachtypeofbalance onyouraccount usinga "Daily todetermineΰ*0S, recege yourpayrpens, andyouwillnotreceive yourcheck backfrmnyour interest charges foreachbillingperiod. Wetiguretheinterest charge on youraccount byapplying theperiodic ratetothe"dailybalance'° balance"ofyour knancial instituhon. account foreachdayinthebillingcycle.Togetthe"daily we takethebeginning balance ofyouraccount eachday,addanynew purchases arx1lees,andsubtract anypayments orcredils (treating anynet creditbalance asazerobalance). Thisgives usthedailybalance. PAYMENTS. PayyourAccount bythepayment duedatebythetimelistedbelow. Ifwedonotreceive yourpayment inacorrectformat (outlined below)it maynothecredited toyourAccount foruptofivedays,ormayberejected. you"payment Also, mustreach usbythepayment cutofftimethatappliesto thepayment method youselect. Format. Correct Correcllormat payment fordiffereal methods inchade: orOvernight: Mailing Send a personalcheck. money check traveler's order. orcashiecheckpayable inU.S.dollars, tothename andaddress shown on inthepayrnent thisStatement yourbalance stubareacontaining andminirnumpayment amount.Besuretoinclude yourpaymentstub,donotstaple or clipyourpaymentlothestub,include youraccount number onyourcheck, provided usetheenlielope withyourSlatement, serwl onepayment withone stubanddonotsend paymerit anycorrespondencewithyourpayment.Youshould overhight apayment to3000Kellway Suite120Carrollton. Drive, TX 75006 andtheacklitional formatrequirements arethesame asothermailedpaymentsunlessthereisa dispute, inwhichcase youlollowthePayments Marked"PaidinFulFsection atxwe.Donotsend cashorgillcertilicates. PayByPhone: Youcancallustollfreeat 1-865-497-8176 (IDD/IlY 1-888-819-1918)tomake apayment whichmayinclude bytelephone, afee.Orrline: Ybucanmake apayment onlineatcomenity-net/alphaeoncosmetic. PaymentCutoffTimes.Payment forustoreceive cutofftimes/deadlines paymentsare theduedateonthisStatement inthepayment stubareaatthe times: foHowing Afailing andOwernight-By6-00 pmEastem T ime(ET);PayByPhone:By 5:00 pm(ET); Online: 5:00 By pm(ET). NewInformation Title(optional) FirstName MI LastName Soc.Sec.No. StreetAddress Apt,No. RR POBox II City State ZipCode Foreign MapCode HomePhone WorkPhong EmailAddress i FILED: BRONX COUNTY CLERK 05/01/2024 03:06 PM INDEX NO. 807255/2024E NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/01/2024 PAGE 3 OF4 Additional important messages - continued . . IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a bad debt at the end of this month. To avoid this you can pay the Minimum amount shown on this statement before the end of this month. If you Jre not able to pay the Minimum Payment amount, we will still be able to assist you and prevent your accoýnt from being written off. Call us at 1-855-617-8089 (TDD/TTY 1-888-819-1918) and we will find a suitable payment before the end of this month. If written off, the bad debt will be reported to the three major :redit bureaus and our Recovery team will determine the appropriate steps, as permitted and available urder applicable law. to protect our interests. IMPORTANT INFORMATION ABOUT LATE EE CREDITS We may occasionally provide a credit for the arnMunt,part or all, of a late fee charged to your account. If we do, we will charge a fee of up to $40.00 for aly 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. Consumers are entitled to one free credit report )er year. To request yours call 1-877-322-8228 or visit annualcreditreport.com I. I ! FILED: BRONX COUNTY CLERK 05/01/2024 03:06 PM INDEX NO. 807255/2024E NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/01/2024 ! . PAGE 4 OF4 ! . i (