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Cavalry SPV I, LLC
Plaintiff,
v.
KARLA F SANTACRUZLARA
Defendant AFFIDAVIT OF DEBT
The undersigned, being duly sworn, makes the following oath:
|am over 18 years old and competent to make this affidavit. | am the Legal Administrator and employee of Cavalry
Portfolio Services, LLC, a Delaware Limited Liability Company. The servicing and collection rights of the portfolios of
non-performing receivables purchased by the Plaintiff, Cavalry SPV |, LLC, 500 Summit Lake Drive, Suite 400, Valhalla,
NY 10595, are assigned to Cavalry Portfolio Services, LLC, its affiliate. | am duly authorized to make this affidavit
based on my review of Plaintiffs documents and records. | am familiar with the manner and method by which Cavalry
SPV 1, LLC and Cavalry Portfolio Services, LLC, maintain their normal business books and records, including
computer records of defaulted accounts.
| have access to the records of the Plaintiff, am familiar with and knowledgeable about the computer systems and manner
and method the Plaintiff maintains, or causes to be maintained, the documents and records of its accounts. My
knowledge includes some working acquaintance with the methods by which computerized records are made and in my
experience the records are reliable. | have reviewed the documents and records pertaining to this action, and therefore
have knowledge of the facts set forth herein, based on my review of the account documents and records.
The documents and records of Cavalry Portfolio Services, LLC show that the Defendant, KARLA F
SANTACRUZLARA, opened an account with Citibank, N.A., (the "Account"), did thereafter use or authorize the
use of the Account for the acquisition of goods, services , or cash advances; which Account became delinquent
and was charged-off.
That the Account was purchased by Cavalry SPV |, LLC on or about 06/20/2018 from Citibank, N.A.. True and correct
copies of the original bill(s) of sale and assignment(s) of loans are attached hereto as Exhibit". In connection with
the purchase of the account Citibank, N.A. transferred copies of its electronic business records which records have
been transferred to Cavalry SPV |, LLC in connection with its purchase and were loaded into the computer system
of Cavalry Portfolio Services, LLC and which are maintained in an electronic format.
In the normal course of business, Cavalry Portfolio Services, LLC maintains computerized account records for account
holders. Cavalry Portfolio Services, LLC maintains such records in the ordinary and routine course of business and is
charged with the duty to accurately record any business act, condition or event onto the computer record maintained for
the accounts, with the entries made at or very near the time of any such occurrence. | have reviewed the applicable
computer record as it relates to the Account, and | make this Affidavit based upon information from that review.
A true and accurate copy of statement(s), including the statement showing the balance due as of 05/09/2018, are
attached as Exhibit"B’. The statement(s) do not reflect any payment(s) made after the account was charged off. My
review of the records shows that as of 02/21/2019, the Defendant is indebted to Cavalry SPV |, LLC on account
number XXXXXXXXXXXX3447 in the amount of $1,333.88 and that all post charge off payments and credits, if any,
have been credited
A true and accurate copy of the most recent monthly statement(s) recording a purchase transaction, service billed, last
payment or balance transfer, is attached as Exhibit “C".
| declare under the penalty of perjury that the foregoing is true and correct and if called as a witness | would
competently testify, under oath, thereto.
Karol Canela
Daniel D. Velez
CT-SCHREIBER/COHEN, LLC Notary Public - State of New York
21015251 No. 01VE6314317
Qualified in Bronx County
Commission Expires November 3, 2022Exhibit AContract ID: CV8MUMAA082217
Document ID; CV83MUMAA042518C15
Document ID: 060718CV1MU3FMB1
BILL OF SALE AND ASSIGNMENT
THIS BILL OF SALE AND ASSIGNMENT dated June 20, 2018, is by Citibank, N.A., a national
banking association organized under the laws of the United States, located at 701 East 60" Street
North, Sioux Falls, SD 57117 (the "Bank") to Cavalry SPV I, LLC, organized under the laws of
the State of Delaware, with its headquarters/principal place of business at 500 Summit Lake Drive,
Suite 400, Valhalla, NY 10595 ("Buyer").
For value received and subject to the terms and conditions of the Master Purchase and Sale
Agreement dated August 22, 2017 and Addendum No. 15 dated April 25, 2018, between Buyer
and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant,
bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts
described in Exhibit 1 to the Addendum and the final electronic file.
Citibank, N.A.
By: Kao
(Signatur:
Sean M. Cooney, SVP
Name:
11600 NW Ambassador Drive, Ste, 400
Kansas Clty, MO 64153
Tt /@olt.
Title;__"SHeBos'Ste8
Cavalry 082217 1Contract ID: CV8MUMAA082217
Document ID: CV8MUMAA042518C15
Document ID: 060718CV1MU3FMAI
Exhibit 1
The individual Accounts transferred are described in the final electronic file and delivered
by the Bank to Buyer, the same deemed attached hereto by this reference.
# of
Sale Balance Cut-Off Date
06/07/2018
Brands 060718CV1MU3FM
Fresh Flow
Cavalry 082217Exhibit 1 0889 Purchase Date:6/20/2018
[ACCOUNT NUMBER 447
[SALE AMOUNT 1,333.88
[ACCOUNT OPEN DATE _
LAST PAYMENT DATE
CONSUMER FIRST AND MIDDLE NAME
CONSUMER LAST NAME
ICONSUMER RESIDENCE ADDRESS 1
CONSUMER RESIDENCE ADDRESS 2 _]
[CONSUMER RESIDENCE CITY
ICONSUMER STATE ICT
ICONSUMER ZIP CODE _ 68300000
CONSUMER SSN OR SIN™
“Information displayed has been redacted for consumer privacyExhibit BRerun Ckee a Korie
KARLA F SANTACRUZLARA
Member Since 2016 Account number ending in: 3447
Billing Period:04/11/18-05/09/18
MAY STATEMENT
Minimum payment due: $1,360.08
New balance as of 05/09/18: $1,360.08
Payment due date: 06/07/18
Late Payment Warning: if we do not receive your minimum payment by the
date listed above, you may have to pay a late fee of up to $35 and your APRs
may be increased up to the variable Penalty APR of 29.99%.
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 | You will pay off the And you will end up
charges using this card balance shown on this aying an estimated
and each month you pay... | statement in about... otal of...
Only the minimum payment | 1 month(s) | $1360
Senne oeNr eas I] Ssiira 2 1°
For information about credit counseling services, call 1-877-337-8188New York
residents may contact the New York State Banking Department to obtain a comparative
listing of creait card rates, fees and grace periods by calling 1-877-226-5697.
Pay your bill from virtually anywhere
with the Cit! Moblie” App and Cit!” Online
To download:
Text ‘Appt5' to MyCitl (692464)
or go to your device's app store.
Or visit www.cltlcards.com,
000000 MC 32 AO
www.citicards.com
Customer Service 1-855-473-4583
TTY-hearing-impaired services only 1-800-325-2865
BOX 6500 SIOUX FALLS, SD 57117
Your account is past due. Please pay at
least the minimum payment due, which
includes a past due amount of $432.88 and
an overlimit amount of $360.08,
Account Summary
Previous balance $1,333.88
Payments -$0.00
Credits -$0,00
Purchases +$0,00
Cash advances +$0,00
Fees +$0,00
Interest +$§26.20
New balance $1,360.08
Credit Limit
Credit limit $1,000
Includes $300 cash advance limit
Please print Address Changes on the reverse sid
Minimum payment due $1,360.0€
New balance $1,360.0€
Payment due date 06/07/1€
Amount enclosed:
Account number ending in 3447
KARLA F SANTACRUZLARA CITI CARDS
7 CHESTNUT ST PO Box 70166
FL2 Philadelphia PA 19176-0166
GREENWICH CT 06830-5920www.citicards.com Customer Service 1-855-473-4583
TTY-hearing-impaired services only 1-800-325-2865
KARLA F SANTACRUZLARA
Account Summary
Trans. Post
date date Description
Fees charged
Total fees charged In this billing period $0.00
Interest charged
Date Description Amount
05/09 INTEREST CHARGED TO STANDARD PURCH
Total interest charged In this billing period $26.20
Total fees charged in 2018 $140.00
Total interest charged in 2018 $121.91
Standard Adv 26.74% (VY) $0.00(0) “$0.00 |
Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed
by (V) may vary. 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
will not be reflected until your next statement.
Page 2 ofExhibit Coti d ia bYeSt] +] [ets Met [ge |
KARLA F SANTACRUZLARA
Member Since 2016 Account number ending in:3447
Billing Period:10/11/17-11/09/17
NOVEMBER STATEMENT
Minimum payment due: $123.10
New balance as of 11/09/17: $1,041.05
Payment due date: 12/07/17
Late Payment Warning: If we do not receive your minimum payment by the
date listed above, you may have to pay a late fee of up to $35 and your APRs
may be increased up to the variable Penalty APR of 29.99%.
Minimum Payment Warning:/f 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
| ‘otal of...
Only the minimum payment | 6 year(s) $1,820
For information about credit counseling services, call 1-877-337-8188New York
residents may contact the New York State Banking Department to obtain a comparative
listing of credit card rates, fees and grace periods by calling 1-877-226-5697,
Pay your bill from virtually anywhere
with the Cit! Moblie® App and Cit?” Online
To download:
Text ‘Appt5' to MyCiti (692484)
or go to your device's app store.
Or visit www.clticards.com
000000 MC 00 AO
KARLA F SANTACRUZLARA
7 CHESTNUT ST
www.citicards.com
Customer Service 1-855-473-4583
TTY-hearing-impaired services only 1-800-325-2865
BOX 6500 SIOUX FALLS, SD 57117
Your account is past due. Please pay at
least the minimum payment due, which
includes a past due amount of $27.35 and an
overlimit amount of $41.05.
Account Summary
Previous balance $933.67
Payments -$0,00
Credits -$0.00
Purchases +$62.68
Cash advances +$0,00
Fees +$25,00
Interest +$19,70
New balance $1,041.05
Credit Limit
Credit limit $1,000
Includes $300 cash advance limit
Coy Sa sd NS Pd)
UNS
Your Cash Rewards:
$28.83
» See page 3 for more Information
about your rewards
Please print Address Changes on the reverse sid
Minimum payment due $123.1€
New balance $1,041.08
Payment due date 12/07/11
Amount enclosed:
Account number ending in 3447
CITI CARDS
PO Box 70166
FL2 Philadelphia PA 19176-0166
GREENWICH CT 06830-5920www.citicards.com
KARLA F SANTACRUZLARA
Account Summary
Trans. Post
date date Description Amount
Standard Purchases
10/12 10/2 UBER TRIPZPETD 8005928996 CA $12.18
10/13" i “TiS 76728 800592¢ .
ona”
10/6 CITARELUA - GREENWIC” GREENWICH
10/17 RELA GR
io/is CITARELLA™- GREENWIC GREENWICH
$4.99
Fees charged
Date Description Amount
1/09. LATE FEE - OCT PAYMENT PAST DUE $25.00
Total fees charged In this bllling perlod $25.00
Interest charged
Date Description Amount
109 INTEREST CHARGED TO STANDARD PURCH ‘$19.70
Total Interest charged In this billing period $19.70
| 2017 totals year-to-date
| Total fees charged in 2017
|___ Total interest charged in 2017
: $140.00
Interest charge calculation pays in biting cycte:30 |
Your Annual Percentage Rate (APR)is the annual interest rate on your account.
Annual percentage Balance subject
Balance type Tate (APR) to Interest rate
PURCHASES
[Standard Purch
| ADVANCES
| Standard Adv
Interest charge
2.99% (v) _ $999.09(0) St
26.24% (V) $0.00 (0) $0.00 |
Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed
by (V) may vary. Balances followed by (D) are determined by the daily balance method
(including current transactions).
Account messages
Congratulations! You have earned $28.83 in cash rewards. You can visit
www.citi.com or call us at 1-855-473-4583 to redeem your cash rewards for a
check, direct deposit, statement credit or gift cards.
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
will not be reflected until your next statement.
Customer Service 1-855-473-4583
TTY-hearing-impaired services only 1-800-325-2865
Page 2 of z
or STB SAV 1)-)
UNS Sg
TOTAL CASH REWARDS BALANCE:
$28.83
Previous Balance:
Earned this Period:
Total Earned this Perlod:
Redeemed this Perlod:
Ending Rewards Balance:
THE TWO WAYS TO EARN!
@ Cash Back on Purchases
Eligible Purchases: $62.68
Cash Back on
Purchases Earned: $0.63
@cash Back on Payments
Eligible Payments: $0.00
Cash Back on
Payments Earned: $0.00
PURCHASE TRACKER AND HOW
CASH BACK ON PAYMENTS WORKS
1. Total Payment Made: $0.00
Note: payments are eligible up to the
amount in your Purchase Tracker
2. Purchase Tracker: $872.66
3. Eligible Payment: $0.00
4. Cash Back on
Payments Earned: $0.00
5. Ending Purchase Tracker: $872.66
Purchase Tracker - When you make a purchase,
that amount goes into your Purchase Tracker.
Balance transfers, cash advances, fees and
interest are not included. Make a payment and the
Purchase Tracker gets reduced by that amount.
When the Purchase Tracker reaches $0, you won't
earn cash back on payments until more purchases
are made.
Questions? Time to Redeem?
Visit citl.com or call 1-855-473-4583
Bonus cash back may take 1-2 billing perlods
to appear on your statement.
a eae aeedi ai Pyrat for-1-4 MW er- 1g)
KARLA F SANTACRUZLARA
Member Since 2016 Account number ending in:3447
Billing Period: O9M2/17-10/10/17
OCTOBER STATEMENT
Minimum payment due: $27.35
New balance as of 10/10/17: $933.67
Payment due date: 11/07/17
Late Payment Warning: if we do not receive your minimum payment by the
date listed above, you may have to pay a late fee of up to $35 and your APRs
may be increased up to the variable Penalty APR of 29.99%.
Minimum Payment Warning:|f 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 And you will end up.
Balance shown on this | paying an estimated
statement in about... _| total of,
{ a
Only the minimum payment | 6 year(s)
fe [gaz
|
$37 | 3 year(s) [(Savings=$356)
For information about credit counseling services, call !-877-337-8187New York
residents may contact the New York State Banking Department to obtain a comparative
listing of credit card rates, fees and grace periods by calling 1-877-226-5697.
Your Account Is
enrolled in AutoPay.
000000 MC 00 AO
KARLA F SANTACRUZLARA
7 CHESTNUT ST
www.citicards.com
Customer Service 1-855-473-4583
TTY-hearing-impaired services only 1-800-325-2865
BOX 6500 SIOUX FALLS, SD 57117
Your next AutoPay payment of $50.00 will
be deducted from your bank account on
11/07/2017. Please note that the next
AutoPay payment may be reduced if you
have made additional payments or received
any credits during the current billing cycle,
Account Summary
Previous balance $955.23
Payments $50.00
Credits $0.00
Purchases +$10.09
Cash advances +$0.00
Fees +$0,00
Interest +$18,35,
New balance $933.67
Credit Limit
Credit limit $1,000
Includes $300 cash advance limit
Available credit SSSC«S 66
Includes $66 available for cash advances
oy N=) Bsa NS Pb)
Ne
Your Cash Rewards:
$28.20
» See page 3 for more Information
about your rewards
Minimum payment due $27.35
New balance $933.67
Payment due date 11/07/17
Amount enclosed:
Account number ending in 3447
CITI CARDS
PO Box 70166
FL2 Philadelphia PA 19176-0166
GREENWICH CT 06830-5920www.citicards.com
KARLA F SANTACRUZLARA
Account Summary
Trans. Post
date date Description Amount
Payments, Credits and Adjustments
10/07 AUTOPAY 000000000006928RAUTOPAY -$50.00
AUTO-PMT
Standard Purchases
09/25 09/25 APL* ITUNES.COM/BILL_ 866-712-7753 CA $10.09
Fees charged
Total fees charged In this blillng period $0.00
Interest charged
Date Description Amount
10/10 INTEREST CHARGED TO STANDARD PURCH “$18.35
Total Interest charged In this billing perlod $18.35
2017 totals year-to-date -
|
|
I
$3.39
es a
Days in billing cycle: 29 |
Interest charge calculation -
Your Annual Percentage Rate (APR)is the annual int
In your account.
Annual Percentage Balance subject |
jalance type Tate (APR) to Interest rai Interest charge |
Bunnieee ooo ed
Standard Purch $962.76 (D) $18.35
FADWANCES sserecnineasoneerearscecemgeratel|
Standard Adv 26.24% (V) $0.00 (D) $0.00 |
Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed
by (V) may vary. Balances followed by (D) are determined by the daily balance method
(including current transactions).
Account messages
The American Red Cross is accepting donations to support their work in
providing shelter, food, emotional support and other assistance in response to
disasters. Visit www.redcross.org, call 1-800-RED-CROSS, or text REDCROSS
to 90999 to make a $10 donation. Citi ThankYou® Rewards members can
also use their points to make a donation to the American Red Cross at
www.thankyou.com. Contributions may also be sent to your local American
pea Sine chapter or to the American Red Cross, P.O. Box 37243, Washington,
sc. 13,
Congratulations! You have earned $28.20 in cash rewards. You can visit
www.citi.com or call us at 1-855-473-4583 to redeem your cash rewards for a
check, direct deposit, statement credit or gift cards.
Customer Service 1-855-473-4583
TTY-hearing-impaired services only 1-800-325-2865
Page 2 of ;
cor NSB Ns teh)
SN a
TOTAL CASH REWARDS BALANCE:
$28.20,
Previous Balance: $27.60
Earned this Period: $0.60
Total Earned this Perlod: $0.60
Redeemed this Perlod: $0.00
Ending Rewards Balance: $28.20
THE TWO WAYS TO EARN!
@ Cash Back on Purchases
Eligible Purchases: $10.09
Cash Back on
Purchases Earned: $0.10
@Ocash Back on Payments
Eligible Payments: $50.00
Cash Back on
Payments Earn $0.50
PURCHASE TRACKER AND HOW
CASH BACK ON PAYMENTS WORKS
1. Total Payment Made: $50.00
Note: payments are eligible up to the
amount in your Purchase Tracker
2. Purchase Tracker: $859.98
3. Eligible Payment: $50.00
4. Cash Back on
Payments Earned: $0.50
5. Ending Purchase Tracker: $809.98
Purchase Tracker - When you make a purchase,
that amount goes into your Purchase Tracker.
Balance transfers, cash advances, fees and
interest are not included. Make a payment and the
Purchase Tracker gets reduced by that amount.
When the Purchase Tracker reaches $0, you won't
earn cash back on payments until more purchases
are made.
Questions? Time to Redeem?
Visit citl.com or call 1-855-473-4583
Bonus cash back may take 1-2 billing periods
to appear on your statement.