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FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022
AFFIDAVIT OF FACTS AND SALE OF ACCOUNT BY ORIGINAL CREDITOR
State of Florida County of Seminole
The undersigned, being duly sworn, deposes and says:
1. i am an employee of Synchrony Bank ("OriginalCreditor") formerly known as GE Capital Retail
Bank and on June 2, 2014, GE Capital RetailBank formally changed itsname to Synchrony
Bank, and I have personal knowledge of and access toOriginal Creditor's books and records
("Business Records"), including electronic records, relating to a pool of charged-off consumer
credit accounts sold or assigned by Synchrony Bank to Sherman Originator IllLLC ("Debt
Buyer"), on 2/22/2019 (the "Sale"), which included the account ("Account") of the consumer
("Consumer") XXXXXXXXXXXX3974 and identified inthe exhibits attached hereto and
incorporated herein. As part of theSale, Original Creditor assigned allof itsinterest in the
Account, including the right toany proceeds from the Accounts, to Debt Buyer, and ittransferred
Business Records relatingto the Account to Debt Buyer. A true and correct copy of the billof sale
or writtenassignment of the Account is attached as an exhibit to thisaffidavit.
2. In my position, I also have personal knowledge of Original Creditor's procedures for creating and
maintaining itsBusiness Records, including itsprocedures relating tothe sale and assignment of
consumer credit accounts. Original Creditor's Business Records were made in the regular course
of business and it was the regular course of such business to make the Business Records. The
Business Records were made at or near the time of the events recorded. Based on my
knowledge of Original Creditor's Business Records, I have personal knowledge of the facts set
forth in thisaffidavit.
3. Original Creditor and Consumer were parties to a creditagreement ("Agreement"). Consumer
agreed to pay Original Creditor forall goods, services and cash advances provided pursuant to
the Agreement. The date and the amount of the last payment, if any,made by Consumer are set
forthin an exhibit attached hereto and made a part hereof. A true and correct copy ofthe terms
governing the account at the time of charge-off isattached as an exhibit tothis affidavit.
4. At the time of Sale, Consumer owed the amount set forth in the exhibits attached hereto and
made a part hereof, which also set forth the name of the Consumer; the lastfour digits of the
Account number; the date and amount of the charge-off balance; the date and amount of the last
if any; the total if applicab!e,of post-charge-off interestand post-charge-
payment, amounts, any
offfees and charges; and post-charge-off credits or payments made by or on behalf of the
Consumer; and the balance due at the time of the Sale. The above statements are true and
correct to the best of my personal knowledge.
Executed this 10th day of February, 2020
Efrain Sanchez
Senior Media AffidavitRepresentative
Sworn to and Subscribed before me this 10th day of February, 2020
CLANCY -
TERRANCE
Public-Stateof Florida
Notary i Notary Public
Commission # GG 3tM14
i
My Commission E 4pwes
2023 '
February 20. My commission expires: d---
NY_AOS-1? - 4/6/2017
- St Paul
1 of 19
FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022
CERTIFICATE OF CONFORMITY UNDER
NYS CLS CPLR § 2309(c) AND NYS CLS RPL § 299-a
The undersigned does hereby certify that he/she is an attorney-at-law duly admitted to
practice in the State of Florida and residing in the State of Florida; that he/she is a person duly
qualified to make this certificate of conformity pursuant to Section 299-a of the Real Property Law
of the State of New York; that he/she is fully acquainted with the laws of the State of Florida
pertaining to the acknowledgment or proof of affidavits; that the acknowledgement or proof upon
the foregoing Affidavit of Efrain Sanchez was taken by Terrance Clancy, a notary public in the
State of Florida, in the manner prescribed by the laws of the State of Floga, being the state in
which the Affidavit was taken; and, based on his/her review thereof, that the notarized Affidavit
conforms to the laws of the State of Florida in allrespects.
Witness my signature this 10th day of February, 2020
Tyler Burich
Attorney-at-law, State of Florida.
2 of 19
FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022
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FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022
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4 of 19
FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022
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Preview
FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022 AFFIDAVIT OF FACTS AND SALE OF ACCOUNT BY ORIGINAL CREDITOR State of Florida County of Seminole The undersigned, being duly sworn, deposes and says: 1. i am an employee of Synchrony Bank ("OriginalCreditor") formerly known as GE Capital Retail Bank and on June 2, 2014, GE Capital RetailBank formally changed itsname to Synchrony Bank, and I have personal knowledge of and access toOriginal Creditor's books and records ("Business Records"), including electronic records, relating to a pool of charged-off consumer credit accounts sold or assigned by Synchrony Bank to Sherman Originator IllLLC ("Debt Buyer"), on 2/22/2019 (the "Sale"), which included the account ("Account") of the consumer ("Consumer") XXXXXXXXXXXX3974 and identified inthe exhibits attached hereto and incorporated herein. As part of theSale, Original Creditor assigned allof itsinterest in the Account, including the right toany proceeds from the Accounts, to Debt Buyer, and ittransferred Business Records relatingto the Account to Debt Buyer. A true and correct copy of the billof sale or writtenassignment of the Account is attached as an exhibit to thisaffidavit. 2. In my position, I also have personal knowledge of Original Creditor's procedures for creating and maintaining itsBusiness Records, including itsprocedures relating tothe sale and assignment of consumer credit accounts. Original Creditor's Business Records were made in the regular course of business and it was the regular course of such business to make the Business Records. The Business Records were made at or near the time of the events recorded. Based on my knowledge of Original Creditor's Business Records, I have personal knowledge of the facts set forth in thisaffidavit. 3. Original Creditor and Consumer were parties to a creditagreement ("Agreement"). Consumer agreed to pay Original Creditor forall goods, services and cash advances provided pursuant to the Agreement. The date and the amount of the last payment, if any,made by Consumer are set forthin an exhibit attached hereto and made a part hereof. A true and correct copy ofthe terms governing the account at the time of charge-off isattached as an exhibit tothis affidavit. 4. At the time of Sale, Consumer owed the amount set forth in the exhibits attached hereto and made a part hereof, which also set forth the name of the Consumer; the lastfour digits of the Account number; the date and amount of the charge-off balance; the date and amount of the last if any; the total if applicab!e,of post-charge-off interestand post-charge- payment, amounts, any offfees and charges; and post-charge-off credits or payments made by or on behalf of the Consumer; and the balance due at the time of the Sale. The above statements are true and correct to the best of my personal knowledge. Executed this 10th day of February, 2020 Efrain Sanchez Senior Media AffidavitRepresentative Sworn to and Subscribed before me this 10th day of February, 2020 CLANCY - TERRANCE Public-Stateof Florida Notary i Notary Public Commission # GG 3tM14 i My Commission E 4pwes 2023 ' February 20. My commission expires: d--- NY_AOS-1? - 4/6/2017 - St Paul 1 of 19 FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022 CERTIFICATE OF CONFORMITY UNDER NYS CLS CPLR § 2309(c) AND NYS CLS RPL § 299-a The undersigned does hereby certify that he/she is an attorney-at-law duly admitted to practice in the State of Florida and residing in the State of Florida; that he/she is a person duly qualified to make this certificate of conformity pursuant to Section 299-a of the Real Property Law of the State of New York; that he/she is fully acquainted with the laws of the State of Florida pertaining to the acknowledgment or proof of affidavits; that the acknowledgement or proof upon the foregoing Affidavit of Efrain Sanchez was taken by Terrance Clancy, a notary public in the State of Florida, in the manner prescribed by the laws of the State of Floga, being the state in which the Affidavit was taken; and, based on his/her review thereof, that the notarized Affidavit conforms to the laws of the State of Florida in allrespects. Witness my signature this 10th day of February, 2020 Tyler Burich Attorney-at-law, State of Florida. 2 of 19 FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022 W Pay 4 Don't you can forget earn all the rewards ways 3x 2x 1x The Points The Points The Points for every$1spent on for every $1spent for every$1 gasand restaurant on PayPaland spent on other Mastercard®purchases purchases eBaypurchases *5ccRewards TermsindudedinyourCardholder Prograrn Agreement formoredetails b tuuedbySynchrony ThepsypalExt•nMattercard Bankpursuarw, toalicense Incorporated byMaterardInternational isaregistered Mastricard andthecirdes trademartr. i satsac±mark design international efMastetr..ard incorporated. CATALDO CllRESTINA Visitusat wwwpaypal com . Account Number 3974 PayPal CreditSenices I-866-300-6432 ia_ri½irnAalf ri.E=ñä-ñ±Ëüë¯ lijipsiewmasict 3iibulumen -in-e Balance Previous Sl,87125 NewBalance 5191574 - Payments $6000 Amount PastDue S8700 + Purchases Debits 52200 TotalMinimum Due Paymem SIS900 ,+ Fees Charged 53800 OserlimitAmount Sl574 +Iniciest Charges $4449 Payment DueDate 01/05/2018 NewBalance SI91574 Warning: If wedonotrecehe LatePayment yourTolal Credit Limit SI,90000 Minimum Payrnent DueDatelisted DuebythePayment Available Ctedit OVIRLINilTabove, alate youmayhaetopay fee uptoS38 00 |Lab Limit $38000 Minimum Warning: lf youmake Payment onlythemammum Available Cash OVERLIMIT Pminnieach 3ou period,willmore pay andit will minterest SMement Date Closing !2 13/2017 topayolfyourbalance youlonger Forexample: .. . .... . DaysinBillingCycle 3l shEta Yeg,ry! 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Youcurrently + PointsEarnedThisPeriod 22 Youcanredeemyourpointsatwww.paypal comfor - PointsRedeemed O travelandcash-back giftcards.merchandise. asacredit = CurrentRewardPointBalance 2,017 intoyourPayPalealace Pointsexpireafter24montin MonthRewardPointstoExpire 09/2019 NextRewardPointstoExpire 870 H 3,000 6,000 9,000 12,000+ PAYMENTDUEBY5P.M.{ET10N_T1IE_D.UE DATE NOTICE: Wemayconsert yourpayment debitSeereersefordetails, intoanelectronic BillingRights Infoimation andothei important information 8G10 YB3 1 ''10 171213 7.?AGE 1 cf 3 1132 1000 P'lv5 C1CXS t 10 andmailthisportion Detach withyourcheckDonotinclude anycorrespondence withyourcheck ,‰merNumber: 3'U4 Pay bf gaggagggagggagd1.n.8 4 4 GD 700 ini H _ I SI574 | 74 %1,413 Payment Enclosed: Please use blueorblackinkSave astamp,S payon-line atwww.paypal com Newaddress oremail? onback Printchanges CHRISTINA CATALDO AFDTFAADDDTFTDFTDFFAAFAFFTAAAFTDAATTTFADFFFDAFTDTADTDTDAFDTFFTTFA 109BOVERLOOK PASS l[ALFMOON NY120654210 MakePayment to: PAYPAL CREDITSVCS/SYNCB POBOX960080 ORLANDO,FL32896-0080 FDITATFDDAITrTFTADDDTADDDDDTTAADDDDTFTDTAADTDFDTDFTAATAATFAAAAAAT 0 0 10 2 0 0 0 0 0 6 0 0 0 unanlunnin 3 97 4 3 of 19 FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022 CaMommr Service: mn. -alltannumbe- inf.wr Foraccount onthe'rontof:his ForHearing statemer.I. use.1TRSUnk -r 5-mmcisab liSes, isis·edenthisstamtntµJ e-Ju Ir:an'ermh'9 lheaccoual pa name maybeIIT.ited (outnotp.nrrarty Youm.sfab:maiqJeslions to.P.O. Box965004, Ottando, y=raccount FL328955004,Pwoinclue number onn mrtrices ya send i.0us aw at1ru t- a wiLPismawt-an Pirymenishlinrre :1thsmmurt erv:9cs.m asngPynt= Notice:Seabetaitrnt imeofwim.vatan: mkmtonTeeptmm;¢ammo-r.eMr·t:rr- mwe .waf rghtsunder m Toow--c. t:.rr .g½ wr'- N:eBWeg sU> frquine 9, Po EuV5rC .2= FL WW ¤ made pric- lo Nrt-avs.wm:,. mepayrnents just th r 1111fm --y n-1d e-v-tu c.4 .-vdW*.12. p -- •rwfo . fs youauthorize payment, useither perth-A1ninm amumm·- m: touseinformalien from f r 1tr nrtormcm wrtrmy .4armurr thepayment transaction asacheck When we at use ::kr %m .· y:w .n rrhme:•·w neim'o.Le •xwmwe anaf Wm your account asthesame assoon daywerece;ve rio P:- p / tran:LS yxi pyœ•: ar1icewdrd NolWy .r :¾ Italut:1 Youmay choose nottohaveyourpayment collected (withthe yourpaymatet mynandt:g alectrontcally payrnent envelope stut6,Inyourown-not theonclosed window addressed anvelops, to:P.O. Box530591. andnotthePayment Alluta.GA30353-0933 Address. What ToDoIfYouThink YouFIndAMistake OnYour Statement AboulPayrnants Informutton pay.Arr Voumaystanythrmwholeer Ifyouthink onyou'state-ent, isanerror there wrtetousattheBIling km aithoutenyadditional pert,theinalunpa:d beiance 1" chsepe for Inquir esAdd-oss W~tk PfWP3YMff. " Wd of: m .' b--.rd my'yN d-h crr!·>2r Nfr• s e.:·i C - II * 1•red Bank Syrenrony POBox905C03, FL3289r>5033 Orlando, up!: ‰ .a · ifmn era(a)sr.: rec•vafina-- at:r - ParmntA:11.m 33.:rT-c a iqUi clarsdrawn onav S mrrthn-rc: veus the Inyourletter, g informatior: following - v . .u:.:.-aoer•1 intreUS. -, is -..c=paniecbyto mm.u:.n Yur 1a-eandaccourt •kcoudirfctmation: --Tan·• fr.n e.21e--.ray • Dcilar Thedollar amount: amourl numoer ofthesuspec·ed error a .0 C •d '"4 lape 22unct '.! m.e. ta -a - • .-' '' • Desc yt.t Ifyouth.m11kre ofProblem: isanerroronyotrbill describeyoubelieve wh.t: arowfr,youbelieve iswrong 0 1"thT itisamstake. fiü.. t M n . Youmus!collastuswthin60daysalertheerrorappea-ac on c ntmTa e1 your statement . Youmust usefanypotential notify errors inwrMir g.Youmaycallus. condit edPayments"). cnsorImhaonsFDispL mst bemailed or bulifyoudowearer.ctrequired toinvestigate erro-s and anypotential delvered 10JsatP0 Box965C03, Olando, FL32896-5003 youmayhave topaytheamount inquestion Credits ToYourAccount: AnaTDunt ShDW1 Dr in pareheSeS Whjie weinvestigate wheher ornotinerehasceenanerror. the ng,, byamirts(-)sgn;sac·-×cr-redit ba]arce usessetre-wise aretrue: following d.&j w,|lbeappliec Credits h y·:/ previous balance irnmediately • Wecanroltrylocollect theamount inquoslion, arrepo". youasLpon rece anyrequired payrrent pl bu:willnotsatisfy thalmaybedue delinquent onthatamount DeditReports |ry.. to informatist. AndAccount Nse ha: • Thecharge inp onpo.rstatefu arewemay et lionmy n.main ca. kmla at-11yw Ic a certwrrandortirq continue .y_ünte•r•: tocharg ar.hatarno..nt r p,rg.pc:-:.etn.i-tu. .i;PC in :4 Bu..ifw×e:em thal Oneb,FLgW5 wemade amistake, lopaythea‡DJnt youwtilnothave inqLestiOr Or M th,A d-nhfy InYJon IF‡IFarVA In f n 1 4 pJ anyinterestfeesrelated orother lothatamount r.remi sirnirm lin IFAIn0Vir be nccpprtryc9111 twpcrt t • While youdonothavelo paytheamoun'. youare inquestion. nfTmaln,pease theiraCCJrale irclJde acopy Otfhatfeport Wemay responsible fortheremander ofyourbalance report aka your itikrmer2.r; lo ·mni w bureaus. Late payments, • Wecanappyanyunpaid amount agairstcrede your liml missed : d erdet..nonyo ,recun: bryrrent•, bereflected T.ay ;n your credr. report YourRightsAreDissatistled ifYou creditcardPurchases w\thYour Balance Subject Charge ToInterest calculafion withtheqm:: orser.. r led p.u have If y2Jaredissatisfkd withyourcredil purenhat card.andpJ havetM incredfathlo correct withherlerchant. theproblem youinayhave therigh: nottopay * theremaining amount dueonthepurchase ca mro ISngcy±mnn .: Te Tousethisright, allofthefollowing betrue: must .1n N n -®W b togmra::akro.u e.:h ount en;wh1t nMo:JECMiD|Ort O nny hCNut Chabo dP|l 1 Thepurchase 100 must been have made .nyourhome slateorwihin FrnrrJ5l ardthetu:thase miletcrrar crren:mailing address, gq ,uter· nymera·t A 13Ths.7w •-,gync . egr p '. / NW Appagy [.yp.;p pm Ameaw/ have bpron re than $50.(Note: Neither ofin re r.ecessary Iyotrw-n y,gon3. ,4 tr ,, ., 4;e myuuravant Tha C. '.H•Enbased onan.r •incrrkrinailed atifweown balatry th:wrc tP Interest toyou, Chan ofthsstatwt essection isthe Ihalsoldyouthep:cs stm ces.) Ifipeampany taly:asforeac1 sumetthed.uly dayin1hecycle divedbythe billing 2 Youmust have yourcredit used cardforinepJrc1ase ofdays Pur±asesnumber h thebilling cych made withcashadva=es orwi:hacheck fromanATM thalaccessesCor:r:.ng A•c e at%a'-referrja ·str:rrgontw c thenarred your cardaccount credil donotqualify ofthec.o j cct-tuny prn thstapiary alA3dgy'u arIl:J.flilrrauten 3 Youmust notyethavo fullypaidforthepurchase m:: n- wilinolrestNinaneprryN FN wilha rwarorg Ifallofthecriteria above yDJr accoLDt aremetandyouarestildissa'isfied wil1the contaCL purchase, a1: JsifiwriHng Ifyoufilet-anstet:ryoumustsendusretice. Notice: Bankruptcy Bank Synchrony IrdJ1ce9 an1aiimfr.•mba'· ccunI nump-r totheproceeding re|aled POBox965003, FL328%·5003 Orlar.do, lothe address: foffowing Altn:Bankruptcy Bank, Synchrony Dept , PO Bex965060, FL32896-5C60 Orlando, While thesame rules weinvestigate. tothedsputed apply amount as abcveA1erwefinish discussed Your account wewillleI youotr ourinvestiga"cn. atufserv{ced isowned Bank. bySynchrony decision Althatpointifwethink andycucorc1pay youoweanamou-t wemayreport youasdelinquent 01CW8640-1 C5/01 This toco'ectadebtandanyir.fcrmalien isana'.lempt obtained will30usecfor:hat purpose "Bytr:rvengakosnrenuctorenycurac:0tint. yui:cntient andGrrfc1rorryor arW.W ofya.TCit.mtt.1nistr-1g to3/eriorlyBanK it:uta-cat.nt, yous:3a1.t crc-'Iitmumtriesycr.rwh. inm:rxiimrganycanstm!ama:c•i sm!µowe lo'rt a atatry4Jte-stc telerene1.1Irw ortrrwoWl m aw esvinnew wi C1 anneans-hficia ifbu n cut;tyfy be:allWetµw thteerim Forchanges phone number ofaddress. ard/or please emai|, c1eck thebcxar.dprintbelow thechanges Skeel Address State City, ZIP # Phone Emal Home Pnone # Business Phore # 'Ce,l#orother phone # EmaiAdcress wecanusetocontact you pr ernail Byproviding yourymit twweemail WJess, suit yourE:7yl ard coa:menicam ssiorfori.>toshare a|sogivecann y·urmirmaccress mmrWc1thKT TJr,t. wthtrprarm‡ 4 of 19 FILED: SARATOGA COUNTY CLERK 02/28/2022 08:40 AM INDEX NO. EF20211589 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 02/28/2022 How to Redeem PayPN Redeem points for the rewards want* you Want, any time you PayPal account. 1. Log in to your Mastercard" "PayPal 2. Click You will be redirected to Synchrony 11 F Bank's account management site. "Manage Rewards". 3. Click 4.Selectthe category you want to explore or redeern. 'Youcanonlyaccess therewards optionsonceyouhavemadepurchases, earned pointsandreceived abillingstatement. ExtratMauerca'd ThePayFal n imed bySynchrony Eankpursuant to aliarue byA4anercard International Incorporated. Mastemrdisareghtered traderrarkandthecirdesdesign efMastercard isatracemark Incorporated. Mtemational TranDaie PostDate Refeience Number Description ofTransaction orCredit Amount l l 20 I1/20 8521853A500XTZROL PHONEPYMT-THANKYOU ALPHARETTAGA (560.00) I I 24 I l/24 SP* TIIRIVECAUSEMEIICS 5542950A8JJORNI1YD IS WA 88350443 52200 FEliS 1205 12/05 LATEFEE S3800 TOTALFEES FORTIIISPERIOD S3800 INTEREST Cl1ARGED 1213 12/13 INTEREST CHARGEONPURCHASES $4449 1213 12/13 CHARGE INTEREST ONCASHADV\NCES SO00 OfAL INTEREST FORTIllSPERIOD 54449 TotalFees in2017 Charged 56500 TotalInterest Charged in2017 35 S505 TotalIngerest Paidin2017 $48577 YourAnnual Percentage Rate(APR) istheannual interest rateonyouraccount Expiration Annual