Preview
FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024
A BARON111
HERMAN www.citicards.com
MemberSince 2019 Account number ending in:1935 Customer Service 1-800-THANKYOU(1-800-842-6596)
Billing Period:04/05/22-05/03/22 TTY:711
BOX6062 SIOUX FALLS, SD 57117
MAY STATEMENT Account Summary
Previous balance $4,970.71
Minimum payment due: $5,058.30
New balance as of 05/03/22: $5,058.30 Payments -$0.00
Credits -$0.00
Payment due date: 05/03/22
See the last p_a e of this statement for important information about how to Purchases +$0.00
avoid paying in erest on purchases. Cash advances +$0.00
Fees +$0.00
Late Payment Warning: If we do not receive your minimum payment by the Interest +$87.59
date listed above, you may have to pay a late fee of up to $39 and your APRs Newbalance $5,058.30
may be increased up to the Penalty APRof 29.99%.
Minimum Payment Warning: If you make only the minimum payment each Credit Limit
period, you will pay more in interest and it will take you longer to pay off your Revolving Credit limit $4,450
balance. For example: Includes$0 cash advance limit
If you make no additional You will pay off the And you will end up
charges using this card balance shown on this paying an estimated
and each month you pay... statement in about... total of...
Only the minimum payment 1 month(s) $5,058
For information about credit counseling services, call 1-877-337-8188.New York
residents may contact the NewYork State Department of Financial Services at (800)
342-3736 or www.dfs.ny.gov for free information on comparative credit card rates, fees
and grace periods.
For Payments, send check to: CITI CARDS, PO Box 70166, Philadelphia PA, 19176-0166
Pay your bill from virtually anywhere Minimum payment due $5,058.30
with the Citi Mobile® App and Citl® Online
New balance $5,058.30
g|gisig To download:
CÍt0 Text 'App15' to MyCiti (692484) Payment due date 05/03/22
or go to your device's app store.
Or visit www.citlcards.com
Amount enclosed:
000000 PW32 A O Account number ending in 1935
Please make check payable to CITI CARDS.
HERMANA BARONIll CITI CARDS
89 SURREYLN PO Box 70166
HEMPSTEAD
NY 11550-3521 Philadelphia PA 19176-0166
FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024
www.citicards.com Customer Service 1-800-THANKYOU(1-800-842-6596) Page 2 of 2
TTY:711
HERMAN
A BARONIll
Account Summary
Trans. Post
date date Description Amount
....................................................................................-------------......................................................
Fees charged
Total fees charged in this billing period $0.00
Interest charged
Date Description Amount
........................................--....................................................-..-------------........................................
05/03 INTERESTCHARGED
TO STANDARD
PURCH $87.59
Total interest charged in this billing period $87.59
2022 totals year-to-date
Total fees charged in 2022 $156.00
.........................................................................................--------------------.........................................
Total interest charged in 2022 $432.70
.....................................................__................................
Interest charge calculation Days in billing cycle: 29
Your Annual Percentage Rate (APR)is the annual interest rate on your account.
.......................--.--....-----....--.......................................-..-----------------------......................--..------.-..-..--
Annual percentage Balance subject
Balance type rate (APR) to interest rate Interest charge
.....................................................................................................................................................
PU C ASES
Standard Purch 21.99% (V) $5,012.87 (D) $87.59
.......................................... .. ...................................... . ......................... ..... .............. ..............
.ADyANCES
Standard Adv 25.49% (V) $0.00 (D) $0.00
Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRsfollowed
by (V) mayvary. Balances followed by (D) are determined by the daily balance method
(including current transactions).
Account messages
Please note that if we received your pay by phone or online payment between
5 p.m. ET and midnight ET on the last day of your billing period, your payment
was credited as of the date of receipt, but will not be reflected until your next
statement.
©2022 Citibank, N.A.
Citi, and Arc Design and other marks used herein are service marks of
Citi
Citigroup Inc. or its affiliates, used and registered throughout the world.
FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024
.................. ........... ........................................................................................................................ . . . . .. ...............................
PAGE1OF4
Summa of account'activit Pa ment informatiorm
Accoun1no. ****-****-****-9331 Newbalance $1,515.41
Minimum payment due $514.00
Previous balance $1,444.95 Payment due date 03/27/2022
Payments 0.00
Other credits 0.00 Late payrnent warning:
0.00 If we do not receive your minimum payment by 03/27/2022 you may
Purchases
0.00 have to pay up to a $41 00 ate fee
Other debits
Fees charged 41.00 Minimumpayment warning: If you make only the minimum
Interest charged 29.46 payment for each period, you will pay more in interest and it will take
Newbalance $1,515.41 you longer to pay off your balances. For example:
Past due amount 438.00 If you make no additional You will pay off And you will
Credit limit $1,500.00 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 03/01/2022 in about: of:
Days in billing cycle 28 Only the minimum payment 4 years S2369
For information regarding credit counseling services,
call 1-800-284-1706.
Skip signing in to pay and use Comenity's EasyPay.It's safe and convenient. Use your smartphone camera or code
reader to scan the QRcode printed on your payment stub below to get started.
Details of our transactions 2.M. d+ .
TRANS DATE TRANSACTION DEScRIPTION/LOCATION
....................................................................----...---------...................................................................... AMOUNT
. ................................
Fees
02/27/2022 LATE FEE 41.00
Total fees charged for this period $41.00
.--------------....---.....------------.
..................................................................... --..-------------------....................................................................
Interest charged
Interest charge on purchases $29.46
Total interest for this period $29.46
2022 totals year to date
Total fees charged in 2022 $122.00
Total interest charged in 2022 $90.09
* .r d
Interest.char"e calculation C:r k · s.
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 mayexceed interest charge below, per your credit card agreement.
TYPEOF BALANCESUBJEcT INTEREST
BALANCE APR TOINTEREST RATE CHARGE
26.2400% (v) 1,463.46 29.46
MCP 4
Purchases
Additional important messa"es .W P e N' . N WW .
IMMEDIATEATTENTIONREQUIRED!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 are not able to pay the Minimum Payment amount, we will
still be able to assist you and prevent your account 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.
(CONTINUED)
_______.----- - - ___. __. _.------- NOpCE eerewses efa ingant nfonny[on
Pleasetearat perforationabove
Account
. . .. number ..............-9331
*"* * Minimumpayment
Newbalance
t"
COmenity $1,515.41 $514.00
99 4
Mailedpaymentsmust reach us by Spm ET
Yes, I have movedor updated my Amount on 03/27/2022.
e-mail address - see reverse. enclosed:
$ Please make check payableto:
I I I plly lo||lgil||llu I ppl
COs 21 status memad
|ll¡ld|¡|qIll|qllp|p
Please retumthis portionalong with your paymentto:
HERMAN
BARON
89SURREYLN POBOX650967
HEMPSTEAD
NY 11550-3521 DALLASTX 75265-0967
FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024
...---...........
----------------
____........____....................................................................... .......................................... .............._________...
Keepthisportionforyourrecords. CREDIT REPORTING, Wemayreportinformation aboutyouraccountto
WhatToDoIf YouThinkYouFindA MistakeOnYourStatement credilbureaus.I.alepayments, missedpayments, orotherdefaullsonyour
accountmayk nhed in yourcredilreport.
If youthinkthereisanerroronyourstaloment.writetousat:Comenity
CapitalBankPOBox182620.Columbus, OH43218-2620. NOTICE OFCREDIT REPORT DISPUTES
Inyourletter,giveusthelollowinginformatiom If youbelievetheaccountinlormation wereportedto aconsumer reporting
" Accountinformation: Yournameandaccountnumber. agency inaccurate, maysubmita directdisputeto Comenity
is you Capital
" Dollaramount:Thedollaramountof thesuspected error. BankPOBox182120,Columbus, 01143218-2120.Yourwrittendispute
" Description of Problcm: If youthinkthereis ancrroronyourbill, mustprovide sullicientinformation t o identify theaccount a nd specify why
describewhatyoubelieveis wrongandwhyyoubelieveit isa mistake. theinformation is inaccurate:
" AccountInformation: Yournameandaccountnumber
Youmustcontactuswithin60daysaftertheerrorappeared onyour " ContactInformation: Youraddress andtelephone number
statement. . DisputedInformation: Identifytheaccountinformation disputedand
Youmustnotifyusof anypotentialerrorsin writing.Youmaycall us,butif explain why youtmlieve it is inaccurate
youdowearenotrequiredto investigate anypotentialerrorsandyoumay " Supporting Documentation: II available,providea copyof thesectionof
haveto paytheamountin question. thecreditreportshowingtheaccountinformation youaredisputing
Whileweinvestigate whetherornottherehasbeenanerror,the lollowing Wewill investigate thedisputedin1ormation andreporttheresultstoyou
aretrue: within30 daysof receiptof theinformation neededforourinvestigation. If
" Wecannottry tocollecttheamountin question.or reportyouas wefindthattheaccountinformation wereportedis inaccurate, wewill
delinquentonthatamount. pmmpllyprovideIhenecessary correclionlo eachconsumer reporting
" Thechargein questionmayremainonyourstatement, andwemay ar:cncytowhichweleportedtheinformation.
continuelo chargeyouinterestonthatamount.But, if wedeterminethat PAYMENTS MARKED "PAIDINFULL".AHwrittencommunications
wemadea mistake,youwill nothaveto paytheamountin questionor regarding dispuledamounIsthatincludeanycheckorotherpayment
anyinterestorotherfeesrelatedto thatamount. instrument markedwith"paymentin full" orsimilarlanguage, mustbesent
" Whileyoudonothaveto paytheamountin question,youarerespunsible to:3000KellwayDrive,Suite120Carrollton, TX75006. DONOTUSETHE
forlheremainder of yourbalance. ENCLOSED REMII IANCEENVELOPE.
" Wecanapplyanyunpaidamountagainstyourcreditlimit. - Wemayacceptpayment sentlo anyotheraddress withoutlosinganyof
ourrights.
YourRightsIt YouAreDissatisfied WithYourCreditCardPurchases - Nopayment shallopefaleasanaccordandsatisfaction withoutprior
11youaredissatisfied withthegoodsorservicesthatyouhavepmchased writtenapproval.
withyourcreditcard,andyouhavetriedingoodfaithtocorrectthe
problemwiththemerchant. youmayhavetherightnotto paytheremaining CUSTOMER SERVICE. Visitcomenity.net/C21status orcall 1-855-334-3639
amountdueonthepurchase. GDD/lFYl-888-819-1918).
Feusethisright,all of thelonowingmustbetrue: TELEPHONE MONITORING. in provile youwithhigh-quality
service,
phonecommunication withusismonglored and/orrecorded.
l. Thepurchase musthavebeenmadein yourhomestateorwithin100
milesofyourcurrentmailingaddress. andthepurchase pricemusthave ADDITIONAL INFORMATION. Thelollowingdesignations,whenappearing
beenmorethan$50.(Note:Neitherof theseis necessary if yourpurchase onthefrontofyourstatement, meanthefollowing:Vmeansvariableraic
wasbasedonanadvertisement wemailedtoyou,or if weownthecompany (thisratemayvary):\W INTPAYRQmeansWAfVE INTEREST, PAYMENT
thatsoldyouthegoodsorsenrices.) REQl1IRED; WVINI EQPYmeansWAIVE INTERESF, EQllALPAYMENI; WV
INTLOWPMTmeansWAlVE INTEREST, LOWPAYMENT: DFINTPYRQ
2. Youmusthaveusedyourcreditcardlor thepurchase. Purchases made meansDEFER INTEREST,PAYMENT REQUIRED: DEFINTEQPYmeans
withcashadvances fromanATMorwitha checkthataccesses yourcredit DEFEN INIERESI,EQ{1AL PAYMENI; DFINI I OWPM[ meansDElER
cardaccountdonotquality. INIERESF, I.0WPAYMENI andLOWAPREQPAYmeansI OW APR,EQUAI.
3. Youmustnotyelhavefullypaidlorthepurchase. PAYMENT, if youhavea variablerateaccount,yourperiodicratesmayvary.
Youmaypayall ofyourAccountbalanceat anytimewithoutpenally.
If all of thecriteriaabovearemetandyouarestill dissatisfied withthe
purchase, contactus in writingat: ComenityCapilalBankPOBox182620. to:CUSTOMER
Se32dl8allÔnquiries SERVICE, POBox183003,Columbus, OH
Columbus, OH43218-2620.
Whileweinvestigate, thesamerulesapplyto thedisputedamountas Sendall bankruptcy noticesandrelatedcorrespondence
to Comenity
discussed above.Afterwefinishour investigation,wewill lell youour CapitalBank,Bankruptcy Department,POBox183043,Columbus, OH
decision.Al lhal point,it wethinkyouoweanamountandyoudonol pay 43218-3043
wemayreportyouasdelinquent. NOTICE ABOUTELECTRONIC CHECK CONVERSION. Whenyouprovidea
HOWTOAVOtD PAYING INTEREST. Yourduedateisat least25daysafter checkaspayment, youauthorie useither10useinformationIromyour
thecloseof eachbillingcycle.Wewill notchargeyouinterestonpurchases checktomakea one-timeelectroniclundtransferfromyouraccountof to
if youpayyourentirebalancebytheduedatecachmonth.Wewill beginto process thepayment asachecktransaction. Whenweuseinformation from
chargeinterestonnewpurchases madeundera LowAPR,EqualPayment yourcheckto makeanelectronicfundtransfer,fundsmaybewithdrawn
or BudgetPayment CreditPtanIromthedateof purchase. fromyouraccountassoonasthesamedaywereceiveyourpayment, and
youwill notreceiveyourcheckbackfromyourfinancialinstitutNn.
BALANCE COMPUTATION METHOD. Wecalculateinterestseparately for
eachtypeof balanceonyouraccountusinga "DailyBalance"todetermine
interestchargestoreachbillingperiod.Wefiguretheinterest chargeon
youraccountbyapplyingtheperiodicrateto Ihe "daily balance" of your
accountforeachdayin thebillingcycle.Togetthe"dailybalance"we
takethebeginning balanceofyouraccounteachday,addanynew
purchases andlees,andsubhac1 anypayments or credils(healinganynel
credilbalanceasa zerobalance). Thisgivesusthedailybalance.
PAYMENTS. PayyourAccountbythepayment duedatebythetimeüstedbelow.If wedonotreceiveyourpaymentin acorrectformat(outlinedbelow)it
maynotbecreditedtoyourAccountfor up to livedays.or mayberejected.Also,yourpayment mustreachusbythepayment cutofftimethatappliesto
thepayment methodyouselect.
CorrectFormat.Correctformatlordillerentpaymentmethods include:
MailingorOvemight: check,moneyorder,traveler's
Senda personal checkorcashier'scheckpayablein U.S.dollars,tothenameandaddress shownon
thisStatement in thepayment stubareacontainingyourbalanceandminirnumpaymerit amount.Besureto includeyourpayment stub,donotstapleor
clip yourpaymenttotheslub,includeyouraccountnumtoronyourcheck,useIheenvelope providedwithyourSlalement, sendonepayment withone
payment stubanddonotsendanycorrespondence withyourpayment. Youshouldovernighta paymentto3000KellwayDrive,Suite120CarrolIton, TX
75006andlhoadditionallofmafmquimments arethesameasothermailedpaymenIs unlessIbereisa dispute,in whichcaseyoulollowthePayments
Marked"PaidIn Fun"sectionabove.Donotsendcashorgill certilicales.PayByPhone:Youcancall ustoll Ireeat 1-855-334-3639 ( IDD/I IY
1-888-819-1918) to makea payment which
byteFephone, may includea tee.online:Youcanmake a paymentonlineatcomenity.net/c21status. In-Store:
Youcanmakepayments in-store.
Payment CutoffTimes.Payment cutofflimes/deadlines arebytheduedateonthisStatement
lorustoreceivepayments in thepaymentstubareaat the
lollowinglirnes:MailingandOvemight: dy 6:00pmEaslemlime(El); PayByPhone:By6:00pm(En; online:Hy500 pm(Ef); and/n-store:Bythelime
thestoreclosesat thelocationyoumakeyourpayment.
NewInformation
Title (optional) First Name MI
LastName Soc.Sec. No.
StreetAddress
Apt. No. RR POBox __
City State Zip Code ForeignMap Code
HomePhone WorkPhone
EmailAddress
FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024
PAGE3 OF4
Additional important messages- coritinued o 'TT /¦WWF 0
the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the
appropriate steps. as permitted and available under applicable law, to protect our interests.
Your credit account is closed. 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.
IMPORTANTINFORMATIONABOUTLATE FEECREDITS
Wemayoccasionally 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 makethe minimum payment due on or
before the due date in the next billing period.
Consumers are entitled to one free credit report per year. To request yours call 1-877-322-8228 or visit
annualcreditreport.com
FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024
PAGE4 OF4
Preview
FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024 A BARON111 HERMAN www.citicards.com MemberSince 2019 Account number ending in:1935 Customer Service 1-800-THANKYOU(1-800-842-6596) Billing Period:04/05/22-05/03/22 TTY:711 BOX6062 SIOUX FALLS, SD 57117 MAY STATEMENT Account Summary Previous balance $4,970.71 Minimum payment due: $5,058.30 New balance as of 05/03/22: $5,058.30 Payments -$0.00 Credits -$0.00 Payment due date: 05/03/22 See the last p_a e of this statement for important information about how to Purchases +$0.00 avoid paying in erest on purchases. Cash advances +$0.00 Fees +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Interest +$87.59 date listed above, you may have to pay a late fee of up to $39 and your APRs Newbalance $5,058.30 may be increased up to the Penalty APRof 29.99%. Minimum Payment Warning: If you make only the minimum payment each Credit Limit period, you will pay more in interest and it will take you longer to pay off your Revolving Credit limit $4,450 balance. For example: Includes$0 cash advance limit If you make no additional You will pay off the And you will end up charges using this card balance shown on this paying an estimated and each month you pay... statement in about... total of... Only the minimum payment 1 month(s) $5,058 For information about credit counseling services, call 1-877-337-8188.New York residents may contact the NewYork State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. For Payments, send check to: CITI CARDS, PO Box 70166, Philadelphia PA, 19176-0166 Pay your bill from virtually anywhere Minimum payment due $5,058.30 with the Citi Mobile® App and Citl® Online New balance $5,058.30 g|gisig To download: CÍt0 Text 'App15' to MyCiti (692484) Payment due date 05/03/22 or go to your device's app store. Or visit www.citlcards.com Amount enclosed: 000000 PW32 A O Account number ending in 1935 Please make check payable to CITI CARDS. HERMANA BARONIll CITI CARDS 89 SURREYLN PO Box 70166 HEMPSTEAD NY 11550-3521 Philadelphia PA 19176-0166 FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024 www.citicards.com Customer Service 1-800-THANKYOU(1-800-842-6596) Page 2 of 2 TTY:711 HERMAN A BARONIll Account Summary Trans. Post date date Description Amount ....................................................................................-------------...................................................... Fees charged Total fees charged in this billing period $0.00 Interest charged Date Description Amount ........................................--....................................................-..-------------........................................ 05/03 INTERESTCHARGED TO STANDARD PURCH $87.59 Total interest charged in this billing period $87.59 2022 totals year-to-date Total fees charged in 2022 $156.00 .........................................................................................--------------------......................................... Total interest charged in 2022 $432.70 .....................................................__................................ Interest charge calculation Days in billing cycle: 29 Your Annual Percentage Rate (APR)is the annual interest rate on your account. .......................--.--....-----....--.......................................-..-----------------------......................--..------.-..-..-- Annual percentage Balance subject Balance type rate (APR) to interest rate Interest charge ..................................................................................................................................................... PU C ASES Standard Purch 21.99% (V) $5,012.87 (D) $87.59 .......................................... .. ...................................... . ......................... ..... .............. .............. .ADyANCES Standard Adv 25.49% (V) $0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRsfollowed by (V) mayvary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment was credited as of the date of receipt, but will not be reflected until your next statement. ©2022 Citibank, N.A. Citi, and Arc Design and other marks used herein are service marks of Citi Citigroup Inc. or its affiliates, used and registered throughout the world. FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024 .................. ........... ........................................................................................................................ . . . . .. ............................... PAGE1OF4 Summa of account'activit Pa ment informatiorm Accoun1no. ****-****-****-9331 Newbalance $1,515.41 Minimum payment due $514.00 Previous balance $1,444.95 Payment due date 03/27/2022 Payments 0.00 Other credits 0.00 Late payrnent warning: 0.00 If we do not receive your minimum payment by 03/27/2022 you may Purchases 0.00 have to pay up to a $41 00 ate fee Other debits Fees charged 41.00 Minimumpayment warning: If you make only the minimum Interest charged 29.46 payment for each period, you will pay more in interest and it will take Newbalance $1,515.41 you longer to pay off your balances. For example: Past due amount 438.00 If you make no additional You will pay off And you will Credit limit $1,500.00 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 03/01/2022 in about: of: Days in billing cycle 28 Only the minimum payment 4 years S2369 For information regarding credit counseling services, call 1-800-284-1706. Skip signing in to pay and use Comenity's EasyPay.It's safe and convenient. Use your smartphone camera or code reader to scan the QRcode printed on your payment stub below to get started. Details of our transactions 2.M. d+ . TRANS DATE TRANSACTION DEScRIPTION/LOCATION ....................................................................----...---------...................................................................... AMOUNT . ................................ Fees 02/27/2022 LATE FEE 41.00 Total fees charged for this period $41.00 .--------------....---.....------------. ..................................................................... --..-------------------.................................................................... Interest charged Interest charge on purchases $29.46 Total interest for this period $29.46 2022 totals year to date Total fees charged in 2022 $122.00 Total interest charged in 2022 $90.09 * .r d Interest.char"e calculation C:r k · s. 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 mayexceed interest charge below, per your credit card agreement. TYPEOF BALANCESUBJEcT INTEREST BALANCE APR TOINTEREST RATE CHARGE 26.2400% (v) 1,463.46 29.46 MCP 4 Purchases Additional important messa"es .W P e N' . N WW . IMMEDIATEATTENTIONREQUIRED!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 are not able to pay the Minimum Payment amount, we will still be able to assist you and prevent your account 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. (CONTINUED) _______.----- - - ___. __. _.------- NOpCE eerewses efa ingant nfonny[on Pleasetearat perforationabove Account . . .. number ..............-9331 *"* * Minimumpayment Newbalance t" COmenity $1,515.41 $514.00 99 4 Mailedpaymentsmust reach us by Spm ET Yes, I have movedor updated my Amount on 03/27/2022. e-mail address - see reverse. enclosed: $ Please make check payableto: I I I plly lo||lgil||llu I ppl COs 21 status memad |ll¡ld|¡|qIll|qllp|p Please retumthis portionalong with your paymentto: HERMAN BARON 89SURREYLN POBOX650967 HEMPSTEAD NY 11550-3521 DALLASTX 75265-0967 FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024 ...---........... ---------------- ____........____....................................................................... .......................................... .............._________... Keepthisportionforyourrecords. CREDIT REPORTING, Wemayreportinformation aboutyouraccountto WhatToDoIf YouThinkYouFindA MistakeOnYourStatement credilbureaus.I.alepayments, missedpayments, orotherdefaullsonyour accountmayk nhed in yourcredilreport. If youthinkthereisanerroronyourstaloment.writetousat:Comenity CapitalBankPOBox182620.Columbus, OH43218-2620. NOTICE OFCREDIT REPORT DISPUTES Inyourletter,giveusthelollowinginformatiom If youbelievetheaccountinlormation wereportedto aconsumer reporting " Accountinformation: Yournameandaccountnumber. agency inaccurate, maysubmita directdisputeto Comenity is you Capital " Dollaramount:Thedollaramountof thesuspected error. BankPOBox182120,Columbus, 01143218-2120.Yourwrittendispute " Description of Problcm: If youthinkthereis ancrroronyourbill, mustprovide sullicientinformation t o identify theaccount a nd specify why describewhatyoubelieveis wrongandwhyyoubelieveit isa mistake. theinformation is inaccurate: " AccountInformation: Yournameandaccountnumber Youmustcontactuswithin60daysaftertheerrorappeared onyour " ContactInformation: Youraddress andtelephone number statement. . DisputedInformation: Identifytheaccountinformation disputedand Youmustnotifyusof anypotentialerrorsin writing.Youmaycall us,butif explain why youtmlieve it is inaccurate youdowearenotrequiredto investigate anypotentialerrorsandyoumay " Supporting Documentation: II available,providea copyof thesectionof haveto paytheamountin question. thecreditreportshowingtheaccountinformation youaredisputing Whileweinvestigate whetherornottherehasbeenanerror,the lollowing Wewill investigate thedisputedin1ormation andreporttheresultstoyou aretrue: within30 daysof receiptof theinformation neededforourinvestigation. If " Wecannottry tocollecttheamountin question.or reportyouas wefindthattheaccountinformation wereportedis inaccurate, wewill delinquentonthatamount. pmmpllyprovideIhenecessary correclionlo eachconsumer reporting " Thechargein questionmayremainonyourstatement, andwemay ar:cncytowhichweleportedtheinformation. continuelo chargeyouinterestonthatamount.But, if wedeterminethat PAYMENTS MARKED "PAIDINFULL".AHwrittencommunications wemadea mistake,youwill nothaveto paytheamountin questionor regarding dispuledamounIsthatincludeanycheckorotherpayment anyinterestorotherfeesrelatedto thatamount. instrument markedwith"paymentin full" orsimilarlanguage, mustbesent " Whileyoudonothaveto paytheamountin question,youarerespunsible to:3000KellwayDrive,Suite120Carrollton, TX75006. DONOTUSETHE forlheremainder of yourbalance. ENCLOSED REMII IANCEENVELOPE. " Wecanapplyanyunpaidamountagainstyourcreditlimit. - Wemayacceptpayment sentlo anyotheraddress withoutlosinganyof ourrights. YourRightsIt YouAreDissatisfied WithYourCreditCardPurchases - Nopayment shallopefaleasanaccordandsatisfaction withoutprior 11youaredissatisfied withthegoodsorservicesthatyouhavepmchased writtenapproval. withyourcreditcard,andyouhavetriedingoodfaithtocorrectthe problemwiththemerchant. youmayhavetherightnotto paytheremaining CUSTOMER SERVICE. Visitcomenity.net/C21status orcall 1-855-334-3639 amountdueonthepurchase. GDD/lFYl-888-819-1918). Feusethisright,all of thelonowingmustbetrue: TELEPHONE MONITORING. in provile youwithhigh-quality service, phonecommunication withusismonglored and/orrecorded. l. Thepurchase musthavebeenmadein yourhomestateorwithin100 milesofyourcurrentmailingaddress. andthepurchase pricemusthave ADDITIONAL INFORMATION. Thelollowingdesignations,whenappearing beenmorethan$50.(Note:Neitherof theseis necessary if yourpurchase onthefrontofyourstatement, meanthefollowing:Vmeansvariableraic wasbasedonanadvertisement wemailedtoyou,or if weownthecompany (thisratemayvary):\W INTPAYRQmeansWAfVE INTEREST, PAYMENT thatsoldyouthegoodsorsenrices.) REQl1IRED; WVINI EQPYmeansWAIVE INTERESF, EQllALPAYMENI; WV INTLOWPMTmeansWAlVE INTEREST, LOWPAYMENT: DFINTPYRQ 2. Youmusthaveusedyourcreditcardlor thepurchase. Purchases made meansDEFER INTEREST,PAYMENT REQUIRED: DEFINTEQPYmeans withcashadvances fromanATMorwitha checkthataccesses yourcredit DEFEN INIERESI,EQ{1AL PAYMENI; DFINI I OWPM[ meansDElER cardaccountdonotquality. INIERESF, I.0WPAYMENI andLOWAPREQPAYmeansI OW APR,EQUAI. 3. Youmustnotyelhavefullypaidlorthepurchase. PAYMENT, if youhavea variablerateaccount,yourperiodicratesmayvary. Youmaypayall ofyourAccountbalanceat anytimewithoutpenally. If all of thecriteriaabovearemetandyouarestill dissatisfied withthe purchase, contactus in writingat: ComenityCapilalBankPOBox182620. to:CUSTOMER Se32dl8allÔnquiries SERVICE, POBox183003,Columbus, OH Columbus, OH43218-2620. Whileweinvestigate, thesamerulesapplyto thedisputedamountas Sendall bankruptcy noticesandrelatedcorrespondence to Comenity discussed above.Afterwefinishour investigation,wewill lell youour CapitalBank,Bankruptcy Department,POBox183043,Columbus, OH decision.Al lhal point,it wethinkyouoweanamountandyoudonol pay 43218-3043 wemayreportyouasdelinquent. NOTICE ABOUTELECTRONIC CHECK CONVERSION. Whenyouprovidea HOWTOAVOtD PAYING INTEREST. Yourduedateisat least25daysafter checkaspayment, youauthorie useither10useinformationIromyour thecloseof eachbillingcycle.Wewill notchargeyouinterestonpurchases checktomakea one-timeelectroniclundtransferfromyouraccountof to if youpayyourentirebalancebytheduedatecachmonth.Wewill beginto process thepayment asachecktransaction. Whenweuseinformation from chargeinterestonnewpurchases madeundera LowAPR,EqualPayment yourcheckto makeanelectronicfundtransfer,fundsmaybewithdrawn or BudgetPayment CreditPtanIromthedateof purchase. fromyouraccountassoonasthesamedaywereceiveyourpayment, and youwill notreceiveyourcheckbackfromyourfinancialinstitutNn. BALANCE COMPUTATION METHOD. Wecalculateinterestseparately for eachtypeof balanceonyouraccountusinga "DailyBalance"todetermine interestchargestoreachbillingperiod.Wefiguretheinterest chargeon youraccountbyapplyingtheperiodicrateto Ihe "daily balance" of your accountforeachdayin thebillingcycle.Togetthe"dailybalance"we takethebeginning balanceofyouraccounteachday,addanynew purchases andlees,andsubhac1 anypayments or credils(healinganynel credilbalanceasa zerobalance). Thisgivesusthedailybalance. PAYMENTS. PayyourAccountbythepayment duedatebythetimeüstedbelow.If wedonotreceiveyourpaymentin acorrectformat(outlinedbelow)it maynotbecreditedtoyourAccountfor up to livedays.or mayberejected.Also,yourpayment mustreachusbythepayment cutofftimethatappliesto thepayment methodyouselect. CorrectFormat.Correctformatlordillerentpaymentmethods include: MailingorOvemight: check,moneyorder,traveler's Senda personal checkorcashier'scheckpayablein U.S.dollars,tothenameandaddress shownon thisStatement in thepayment stubareacontainingyourbalanceandminirnumpaymerit amount.Besureto includeyourpayment stub,donotstapleor clip yourpaymenttotheslub,includeyouraccountnumtoronyourcheck,useIheenvelope providedwithyourSlalement, sendonepayment withone payment stubanddonotsendanycorrespondence withyourpayment. Youshouldovernighta paymentto3000KellwayDrive,Suite120CarrolIton, TX 75006andlhoadditionallofmafmquimments arethesameasothermailedpaymenIs unlessIbereisa dispute,in whichcaseyoulollowthePayments Marked"PaidIn Fun"sectionabove.Donotsendcashorgill certilicales.PayByPhone:Youcancall ustoll Ireeat 1-855-334-3639 ( IDD/I IY 1-888-819-1918) to makea payment which byteFephone, may includea tee.online:Youcanmake a paymentonlineatcomenity.net/c21status. In-Store: Youcanmakepayments in-store. Payment CutoffTimes.Payment cutofflimes/deadlines arebytheduedateonthisStatement lorustoreceivepayments in thepaymentstubareaat the lollowinglirnes:MailingandOvemight: dy 6:00pmEaslemlime(El); PayByPhone:By6:00pm(En; online:Hy500 pm(Ef); and/n-store:Bythelime thestoreclosesat thelocationyoumakeyourpayment. NewInformation Title (optional) First Name MI LastName Soc.Sec. No. StreetAddress Apt. No. RR POBox __ City State Zip Code ForeignMap Code HomePhone WorkPhone EmailAddress FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024 PAGE3 OF4 Additional important messages- coritinued o 'TT /¦WWF 0 the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the appropriate steps. as permitted and available under applicable law, to protect our interests. Your credit account is closed. 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. IMPORTANTINFORMATIONABOUTLATE FEECREDITS Wemayoccasionally 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 makethe minimum payment due on or before the due date in the next billing period. Consumers are entitled to one free credit report per year. To request yours call 1-877-322-8228 or visit annualcreditreport.com FILED: NASSAU COUNTY CLERK 05/16/2024 10:29 AM INDEX NO. 608542/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/16/2024 PAGE4 OF4