Preview
FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022
CONSUMER CREDIT TRANSACTION
Date Purchased:
SUPREME COURT OF THE STATE OF NEW YORK Index №
COUNTY OF COLUMBIA X
Crown Asset Management, LLC SUMMONS
Plaintiff, Plaintiff's Address:
-against- 3100 Breckenridge Blvd. Suite 725
Duluth GA 30096
Hope King
Defendant(s).
The Basis of Venue is:
CPLR SEC. 503(f). Defendants
residence is in the County of
COLUMBIA.
X
Defendant(s) Address:
DEF1- 196 BERKSHIRE RD, HILLSDALE NY 12529
TO THE ABOVE NAMED DEFENDANT(S):
YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your
answer on the Plaintiff's Attorney(s) within 20 days after the service of this summons, exclusive of the day of
service, or within 30 days after service is complete if this summons is not personally delivered to you within the
State of New York; and in the case of your failure to appear or answer, judgment will be taken against you by
default for the relief demanded in the complaint.
We are attorneys attempting to collect a debt. Any information obtained will be used for that purpose.
Dated: October 27, 2022
Matter # 476639 ____________________________
Stephen Einstein Christina Yellamaty
Anthony S. Poulin Joseph J. Cassotta
Scott Morris Joseph G. Devine
Tromberg, Morris & Poulin, PLLC
Attorneys for the Plaintiff
39 Broadway, Suite 1250
New York, N.Y. 10006
(212) 267-3550
*SM0000476639*
S_S_SUP-SUM
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FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022
SUPREME COURT OF THE STATE OF NEW YORK INDEX №:
COUNTY OF COLUMBIA
Crown Asset Management, LLC
Plaintiff,
-against-
COMPLAINT
Hope King
Defendant(s).
Plaintiff, by its undersigned attorneys, complaining of the Defendant(s), respectfully alleges that:
1. Plaintiff is an active foreign entity conducting business in New York.
2. Upon information and belief, the Defendant(s) resides or has an office in the venue in which this
action is brought, or the Defendant(s) transacted business within the venue in which this action is brought,
either in person or through an agent, and the instant cause of action arose out of said transaction.
3. Based upon a reasonable inquiry, the Statute of Limitations for the cause of action asserted herein
has not expired.
AS AND FOR A FIRST CAUSE OF ACTION
4. Upon information and belief the Defendant(s) hereto entered into a Revolving Credit Account
Agreement (hereinafter "Account") with Celtic Bank (hereinafter "Original Creditor"), the Original
Creditor as defined by CPLR §105(g-1), bearing an account number on the most recent statement ending
in #XXXXXXXXXXXX4088, as so evidenced in the statement attached hereto, wherein Defendant(s)
agreed to pay Original Creditor all amounts charged to said Account.
5. Upon information and belief, Defendant(s) incurred charges by use of the said Account and
defaulted. As a result of the Defendant’s default the Original Creditor closed the Account and
subsequently charged it off on 02/09/2021 in the amount of $1,416.28. Pursuant to CPLR §3016(j) a
copy of the Charge-Off Statement is attached hereto as Exhibit A.
6. Susequently, the Original Creditor sold/ assigned the Account, including all rights, title and interest
in and to the outstanding balance owed by Defendant(s). Plaintiff, purchased and/or took by assignment
the account herein on or about 04/02/2021. The complete chain of sale and assignment and dates sold
and/or assigned are as follows:
Assignor Date of Transfer Amt. at Time of Transfer
Transfer 1: Celtic Bank 02/09/2021 $1,416.28
Transfer 2: Genesis FS Card Services, Inc. 04/02/2021 $1,416.28
7. Upon information and belief the date of last payment on this account was 07/08/2020 in the amount
of $86.00.
S_S_COM-RTL
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FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022
8. The account balance printed on the most recent monthly statement recording a purchase transaction,
last payment or balance transfer is attached hereto as Exhibit B.
9. At this time, Defendant(s) owes $1,416.28 on the Account. This amount includes a charge-off
balance of $1,416.28, post-charge-off interest of $0.00, post-charge-off fees and charges of $0.00, less any
post-charge-off credits or payments made by or on behalf of the Defendant of $0.00; and that amount has
not been paid despite due demand.
WHEREFORE, Plaintiff demands judgment against Defendant(s) in the amount of $1,416.28, plus
costs and disbursements.
CERTIFICATION: Deponent is an attorney associated with Tromberg, Morris & Poulin, PLLC Deponent
certifies that, to the best of their knowledge, information and belief, formed after an inquiry reasonable
under the circumstances, the presentation of the paper or the contentions therein are not frivolous as defined
in section 130-1.1(c) of the Chief Administrative Judge, and as an initiating pleading, the matter was not
obtained through illegal conduct, and the matter was not obtained in violation of Part 1200. Rule 4.5 of this
Title. Affirmed this 27th day of October, 2022.
____________________________
Matter # 476639 Stephen Einstein Christina Yellamaty
Anthony S. Poulin Joseph J. Cassotta
Scott Morris Joseph G. Devine
S_S_COM-RTL
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FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022
EXHIBIT “A”
(CHARGE-OFF/ LAST STATEMENT)
Matter #: 476639
S_EXH-COSM
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FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022
GENESIS FS CARD SERVICES
Account Number ! 088
AVER ON OR 97076-4477
New Balance $1,416.28
I I rurlhIrnbr"n inlrull"n I I mhIn Minimum Payment Due $1,212.28
GE N E S I
S FS CA RD S E RV ICE S Makecheck/money Payment Due Date 03/07/21
PO BOX 23039 orderpayableto
CO L U MB U S GA 31902-3039 AMOUNT ENCLOSED $
Pleasewriteyouraccountnumberonyourcheck/money
order
anddond sendcash.
"hhhn"hnbi-IrrblunipuynilbIIIIIhbini-|p|1
HO P E M K I NG **0000000
4424 R0 S ED A L EDR Address/Phone Number Change
G R A ND P RA I R I ETX 75052-3364 ¡ Please check here and complete Address/Phone
Number Change Form on reverse side.
Makeyourpaymentonlineatwww.myindigocard.com
________________________________________________________________________________
G
Please detach this portion and retum with your payment to ensure proper credit. Retain lower portion for your records.
MASTERCARD ACCOUNT STATEMENT
indigor -088
January 09, 2021 - February 08, 2021 mastercard
Account Summary Payment Information
CreditLine $300.00 Total New Balance $1,416.28
Available
Credit $0.00 Minimum Payment Due $1,212.28
Past Due Amount $548.00 Payment Due Date March 07, 2021
Overlimit
Amount $1,116.28
StatementClosingDate February08, 2021
# of Days in Billing Cycle 31 Late Payment Warning: If we do not receive your
minimum
payment by the paymentdue date listed above, you may
Purchase/Cash Advance Balance have to pay a late fee of up to $39 and your Purchase
Summary
APR up to the Penalty APR
may be increased of 29.90%.
PreviousBalance $1,343.81
Payments $0.00
Minimum Payment Warning: If you make only the
Other Credits $0.00
minimum payment each period, you will pay more in
Purchases $0.00
and it will take you longer to pay off your
Interest
Cash Advances $0.00
balance.For example:
Adjustments $0.00
Fees Charged $39.00
If you make no You will pay off
InterestCharged $33.47
New Purchase/Cash additional
charges the balance shown And you will end
Advance Balance $1,416.28
using this card andon this statement up paying an
each month you in about... estimated total of...
pay...
Only the minimum
payment 2 years $1,723
If you would like information about credit counseling services,
call 1-866-946-9545 .
Mail payment to: Please mail billing
inquiries to: Q UESTIONS?
Genesis FS Card Services Genesis FS Card Services Call 1-866-946-9545
PO BOX 23039 P.O. Box 4499 www.myindigocard.com
COLUMBUS GA 31902-3039 Beaverton, OR 97076-4499
YOUR MINIMUM PAYMENT INCLUDES ANY OVERLIMIT AND PAST DUE AMOUNTS.
PLEASE REMIT IMMEDIATELY.
Fees
Tran Post
Reference Number Date. Date. Description
of Transaction
or Credit Amount
02/08 02/08 LATE PAYMENT CHARGE $39.00
TOTAL FEES FOR THIS PERIOD $39.00
InterestCharged
Tran Post
Reference Number Date. Date. Description
of Transaction
or Credit Amount
02/08 02/08 INTEREST CHARGE PURCHASE $33.47
TOTAL INTEREST FOR THIS PERIOD $33.47
2021 Totals Year-to-Date
Total fees charged in 2021 $78.00
Total interest charged in 2021 $65.18
InterestCharge Calculation
Your Annual Percentage Rate (APR) is the annual rate on your account.
interest
Annual Percentaqe Rate Balance Subject to
Type of Balance (APR) Interest Rate Interest Charge
Purchases 29.90% $1,343.81 $33.47
Cash Advances 29.90% $0.00 $0.00
= Variable
Rate
(v)
PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION
Page 1 of 2
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FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022
ADDRESS/PHONE NUMBER CHANGE FORM
If you provide us with a cellular phone number, you are expressly consenting that (i) we and our agents may contact
you at that number and (ii) we may use automated telephone dialing systems to initiate such contacts
and/or leave recorded messages.
ADDRESS
CITY STATE ZIP CODE
HOME PHONE BUSINESS PHONE
EMAIL ADDRESS
Detach here Y
and return above portion with your remittance. After detaching, retain lower portion for your future reference.
ThisAccountis issuedby CelticBankandservicedby GenesisFSCardServices,Inc·
calculationofyourAverageDailyBalanceof CashAdvances.
Wewill notcharge
WhatToDoIf YouThinkYouFindA MistakeOnYourStatement any CashAdvanceTransactionFees,however,during the one-yearperiod
2. Pe odic interest
harge compute
by ppÈing the applicableMonthly
P x 49 e rtoOregon970
PenodicRateor Rates,determinedas providedbelowunderComputingthe
Inyourletter,giveusthe followinginformation: Purchase andCash Advance Balance Monthly Periodic Rates and
" Accountinformadon:
YournameandAccountnumber. AnnualPercentage
Corresponding Rates(APR)to:
" DollarAmount:The
dollaramountofthesuspected
error. a. your AverageDaily Balanceof CashAdvances(includingnew Cash
" DescripHon
of Problem:Ifyouthinkthereis anerroronyourbill,describe and
Advances);
whatyoubelieveis wrongandwhyyoubelieveit isa mistake. b. yourAverageDailyBalanceof Purchases
(includingnewPurchases).
Youmustcontactuswithin60daysaftertheerrorappeared
onyourstatement. However,if the total of the amountsso computedis an amountless than
$.50, then a minimuminterestchargeof $.50 will be imposedinsteadof
suchsmalleramountsandwill betreatedasaninterestchargeonPurchases.
Youmustnotifyusof any potentialerrorsin writing.Youmaycall us,butif youdowe
arenotrequiredto investigate 3. A ForeignCurrencyConversionFeeinterestchargein an amountequalto
anypotentialerrorsandyoumayhaveto paytheamount
inquestion. 1% of the convertedU.S.dollaramountof eachtransaction,includingCash
Advancesand Purchases,
that is effectedin any currencyotherthan U.S.
Whilewe investigate
whetheror nottherehasbeenanerror,the followingaretrue:
dollars.
" We cannottry to collectthe amountin question,or reportyou as delinquent
WhenInterestChargesBegintoAccrue.InterestchargesonPurchases
will beimposed
" at theapplicableMonthlyPeriodicRatefromthedateeachPurchaseis made,andwill
Thechargein questionmay remainon your statement,and we may continue
continueto accrueonunpaidbalancesas longasthey remainunpaid.However,
wedo
to chargeyou intereston that amount.But, if we determinethat we madea
notassessinterestchargesinthe followingcircumstances:
mistake,you will not haveto pay the amountin questionor any interestor
otherfeesrelatedtothatamount. 1. If you paidthe New Balanceat the beginningof your previousBilling Cycle
" by the PaymentDue Date during the previousBillingCycle,or if that New
Whileyou do not haveto pay the amountin question,you are responsible
for
theremainder
ofyourbalance. Balancewas$0ora creditbalance,
then:
" WecanappÈanyunpaidamountagainstyourcreditlimit. ª· if you pay the New Balanceon your current Statementin full by the
PaymentDue Date in your current Billing Cycle, we will
not assess
YourRightsIf YouAreDissatisfiedWithYourCreditCardPurchases interestchargesonPurchases
duringyourcurrentBillingCycle;and
b. if you makea paymentthat is lessthanthe NewBalanceby the Payment
If youaredissatisfiedwith the goodsor servicesthatyou havepurchased
with your
DueDatein yourcurrentBillingCycle,we will creditthat paymentas of the
creditcard,andyouhavetriedin goodfaithto correctthe problemwiththe merchant,
youmayhavetherightnotto paythe remainingamountdueonthepurchase. first dayinyourcurrentBillingCycle.
2. If you hada NewBalanceat the beginningof your previousBillingCycleand
Tousethis right,allofthe followingmustbetrue: you did not pay that New Balanceby the PaymentDue Date during that
1. The purchasemusthavebeenmadein your homestateor within 100 miles
previousBilling Cycle,then we will
not assess interest chargeson any
of your current mailingaddress,and the purchaseprice must have been
Purchasesduringthe currentBillingCycleif you pay the NewBalanceat the
morethan $50. (Note:Neitherof these is necessaryif your purchasewas
beginningof your current Billing Cycle by the PaymentDue Date in your
basedon an advertisement
we mailedto you, or if we ownthe companythat
currentBillingCycle.
soldyouthegoodsor services.) PeriodicinterestchargesonCashAdvanceswill beimposedatthe applicableMonthly
2. Youmust haveusedyour creditcardfor the purchase.Purchasesmadewith
periodicRatefromthe dateeachCashAdvanceis madeandwill continueto accrue
cashadvancesfrom an ATMor with a checkthat accessesyour creditcard
on unpaidbalancesas longas they remainunpaid.Thereis nograceperiodonCash
accountdonotqualify. andthereis noperiodwithinwhichto payto avoidinterestchargesonCash
Advances
3. Youmustnotyethavefully paidforthepurchase· Advances.
Ifallofthecriteriaabovearemetandyouarestilldissatisfied
withthe purchase,
contact Calculatingthe PurchaseandCashAdvanceBalanceSubjectto InterestCharges
usin writingat:Genesis
FSCardServices,P.0.Box4499,Beaverton,
97076.
Oregon,
AverageDailyBalanceof Purchases(includingnew Purchases):
TogettheAverage
Whilewe investigate,
thesamerulesapplytothedisputedamountasdiscussed
above. DailyBalanceof Purchases,
wetakethe beginningPurchasebalanceof yourAccount
Afterwefinishour investigation,
wewill tellyouourdecision.Atthat point,if wethink
each day,includingunpaidinterestchargeson Purchasesand ForeignCurrency
youoweanamountandyoudonotpay,we mayreportyouasdelinquent. Conversion
Feeinterestchargeson Purchases,
addanynewPurchases
asof thedate
andsubtracttheapplicableportionof anypaymentsandcreditsasofthe
of transaction,
PAYMENTS
transactiondate.Onthefirst dayof a BillingCycle,we alsoaddany unpaidfees.This
Paymentsshouldbe mailedwith the paymentcouponandin the envelopeprovided
givesusthe dailybalancefor Purchases.
Thenwe addallthesedailybalancesforthe
to the GenesisFSCardServicespaymentaddressindicatedonthe paymentcoupon·
BillingCycletogetheranddividethetotalbythenumberofdaysinthe BillingCycle.This
Anypaymentreceivedin thatformandatthataddressonor before5:00P.M.Eastern
givesustheAverageDailyBalanceof Purchases.
Timeona normalbankingdaywill becreditedtoyourAccountthatday.Ifyourpayment
AverageDailyBalanceof CashAdvances(includingnewCashAdvances):
is receivedin thatformandat that addressafter5:00P.M.EasternTimeona normal Togetthe
AverageDailyBalanceofCashAdvances,
day,wewill creditit toyourAccountthe next
bankingday,or anytimeona nonbanking wetakethe beginningCashAdvancebalance
canalsobe madeonlinebyvisitingwww.myindigocard.com. of yourAccounteachday,includingunpaidinterestchargeson CashAdvancesand
bankingday.Payments
ForeignCurrency
youauthorizeuseitherto usethe information
Whenyouprovidea checkas payment, Conversion
FeeinterestchargesonCashAdvances,
addanynewCash
Advances addtheCashAdvanceTransaction
asofthedateof transaction,
fromyourcheckto makea one-timeelectronicfundtransferfromyouraccountor to Feeinterest
processthepaymentasachecktransaction.
Whenweuseinformation
fromyourcheckchargeon any CashAdvancesas of the transactiondateof eachCashAdvance,and
subtracttheapplicableportionof any paymentsandcreditsasofthetransactiondate.
to makean electronicfundtransfer,fundsmay bewithdrawnfromyouraccountas
Thisgivesusthe dailybalanceforCashAdvances.
soonasthe sameday we receiveyourpaymentandyouwill not receiveyourcheck Thenweaddallthesedailybalances
for the BillingCycletogetheranddividethetotal by the numberof daysin the Billing
backfromyourfinancialinstitution.Paymentsreceivedat otherthanthe remittance
Cycle.ThisgivesustheAverageDailyBalanceofCashAdvances.
addressonthefaceofthisstatementmaybesubjectto a delayin creditingof upto 5
daysafterthedateof receipt· Computingthe Purchaseand CashAdvanceBalanceMonthlyPeriodicRatesand
ANNUALFEE(if applicable) AnnualPercentage
Corresponding Rates(APR)
MonthlyPeriodicRates:TheMonthlyPeriodicRateis calculatedby dividingtheAPR
If youwishto terminateyourabilityto useyourCardto obtainfurtherPurchases
and
inordertoavoidpayingtherenewalAnnualFee,youmustdeliverwritten
CashAdvances APRis 24.9%andthestandardMonthlyPeriodicRatefor
by 12.ThestandardPurchase
Purchases
is 2.075%.ThestandardPurchase
noticeofterminationto uswithinthirty(30)daysfromthe mailingdateofthestatement APRandMonthlyPeriodicRatewill apply
to Purchases
unlessthe penaltyAPRand MonthlyPeriodicRateapply,asdescribedin
therenewalAnnualFeenotice.Yournoticemustbesentto usatGenesisFS
containing
thenextparagraph.
OR97076.Uponreceipt,we will closeyour
CardServices,RO.Box4477,Beaverton,
Accountandthe renewalAnnualFeewill notbechargedto yourAccount.Terminating
TheAPRand MonthlyPeriodicRatefor Purchases
will increaseif we do not receive
creditavailabilitywill notcancelyourobligationsto payamountsoutstanding
onyour
any MonthlyMinimumPaymentwithin 60 daysof the dateandtime due.In such
Account,andyou will be requiredto pay your outstandingbalancewith interestin
the penaltyAPRandMonthlyPeriodicRatewill applyto yourPurchases,
circumstance,
accordance Agreement.
withthetermsofyourCardholder Theserightsdonotapplyto andexistingPurchase
includingnewPurchases balances.
ThepenaltyPurchase
APRis
withtheopeningofyourAccount·
anAnnualFeechargedinconnection 29.9%andthe penaltyMonthlyPeriodicRatefor Purchases
is 2.4916%.If we receive
CREDITBUREAUREPORTING sixconsecutive
MonthlyMinimumPayments
whendueaftertheincreasetothe penalty
Wemayreportinformation APR,then,startingwiththe nextBillingCycle,the penaltyAPRwill nolongerapplyand
aboutyourAccounttocreditbureaus.Latepayments,
missed
thestandardAPRwill applyto all Purchases.
the penaltyratemaycontinue
Otherwise,
or otherdefaultsonyourAccountmaybereflectedinyourcreditreport.
payments, to applyto yourAccountindefinitely.
HOWINTERESTCHARGESAREDETERMINED TheCashAdvanceAPRis 29.9%andthe MonthlyPeriodicRatefor CashAdvancesis
Yourinterestchargefor anyBillingCyclewill includethefollowingcomponents,
thetotal2.4916%.
yourtotalinterestchargeforthe BillingCycle:
ofwhichconstitutes
OTHERDISCLOSURES
1. A CashAdvanceTransactionFee interestchargeimposedon each Cash . .
ForAR,HI,IA,MEResidents:
Advancetransactionpostedduring a BillingCycle,in an amountequalto Thiscommunication
is froma debtcollector.Thisis an
attemptto collectdebtandanyinformationobtainedwill beusedforthepurpose.
the greaterof $5 or 5% of the amountof eachCashAdvance.Any unpaid
Cash AdvanceTransactionFee interest chargeswill
be added to
the
6 of 13 R5975-B597-0219
FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022
EXHIBIT “B”
(LAST USE OF CARD STATEMENT/ BALANCE)
Matter #: 476639
S_EXH-LPAM
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FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022
GENESIS FS CARD SERVICES
Account Number ! 088
AVER ON OR 97076-4477
New Balance $976.24
Minimum Payment Due $744.24
8 GE N E S I
S FS CA RD S E RV ICE S Makecheck/money Payment Due Date 08/07/20
PO BOX 23039 orderpayableto
CO L U MB U S GA 31902-3039 AMOUNT ENCLOSED $
order
Pleasewriteyouraccountnumberonyourcheck/money
anddonotsendcash.
HO P E M K I NG **0000000
4424 R0 S ED A L EDR Address/Phone Number Change
G R A ND P RA I R I ETX 75052-3364 ¡ Please check here and complete Address/Phone
Number Change Form on reverse side.
Makeyourpaymentonlineatwww.myindigocard.com
________________________________________________________________________________
G
Please detach this portion and retum with your payment to ensure proper credit. Retain lower portion for your records.
MASTERCARD ACCOUNT STATEMENT
indigor -088
June 09, 2020 - July 08, 2020 mastercard
Account Summary Payment Information
CreditLine $300.00 Total New Balance $976.24
Available
Credit $0.00 Minimum Payment Due $744.24
Past Due Amount $0.00 Payment Due Date August 07, 2020
Overlimit
Amount $676.24
StatementClosingDate July 08, 2020
# of Days in Billing Cycle 30 Late Payment Warning: If we do not receive your
minimum
payment by the paymentdue date listed above, you may
Purchase/Cash Advance Balance have to pay a late fee of up to $39 and your Purchase
Summary
APR up to the Penalty APR
may be increased of 29.90%.
PreviousBalance $345.03
Payments $86.00
Minimum Payment Warning: If you make only the
Other Credits $0.00
minimum payment each period, you will pay more in
Purchases $657.74
and it will take you longer to pay off your
Interest
Cash Advances $0.00
balance.For example:
Adjustments $0.00
Fees Charged $0.00
If you make no You will pay off
InterestCharged $59.47
New Purchase/Cash $976.24 additional
charges the balance shown And you will end
Advance Balance
using this card andon this statement up paying an
each month you in about... estimated total of...
pay...
Only the minimum
payment 2 years $1,259
If you would like information about credit counseling services,
call 1-866-946-9545 .
Mail payment to: Please mail billing
inquiries to: Q UESTIONS?
Genesis FS Card Services Genesis FS Card Services Call 1-866-946-9545
PO
Preview
FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022 CONSUMER CREDIT TRANSACTION Date Purchased: SUPREME COURT OF THE STATE OF NEW YORK Index № COUNTY OF COLUMBIA X Crown Asset Management, LLC SUMMONS Plaintiff, Plaintiff's Address: -against- 3100 Breckenridge Blvd. Suite 725 Duluth GA 30096 Hope King Defendant(s). The Basis of Venue is: CPLR SEC. 503(f). Defendants residence is in the County of COLUMBIA. X Defendant(s) Address: DEF1- 196 BERKSHIRE RD, HILLSDALE NY 12529 TO THE ABOVE NAMED DEFENDANT(S): YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer on the Plaintiff's Attorney(s) within 20 days after the service of this summons, exclusive of the day of service, or within 30 days after service is complete if this summons is not personally delivered to you within the State of New York; and in the case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint. We are attorneys attempting to collect a debt. Any information obtained will be used for that purpose. Dated: October 27, 2022 Matter # 476639 ____________________________ Stephen Einstein Christina Yellamaty Anthony S. Poulin Joseph J. Cassotta Scott Morris Joseph G. Devine Tromberg, Morris & Poulin, PLLC Attorneys for the Plaintiff 39 Broadway, Suite 1250 New York, N.Y. 10006 (212) 267-3550 *SM0000476639* S_S_SUP-SUM 1 of 13 FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022 SUPREME COURT OF THE STATE OF NEW YORK INDEX №: COUNTY OF COLUMBIA Crown Asset Management, LLC Plaintiff, -against- COMPLAINT Hope King Defendant(s). Plaintiff, by its undersigned attorneys, complaining of the Defendant(s), respectfully alleges that: 1. Plaintiff is an active foreign entity conducting business in New York. 2. Upon information and belief, the Defendant(s) resides or has an office in the venue in which this action is brought, or the Defendant(s) transacted business within the venue in which this action is brought, either in person or through an agent, and the instant cause of action arose out of said transaction. 3. Based upon a reasonable inquiry, the Statute of Limitations for the cause of action asserted herein has not expired. AS AND FOR A FIRST CAUSE OF ACTION 4. Upon information and belief the Defendant(s) hereto entered into a Revolving Credit Account Agreement (hereinafter "Account") with Celtic Bank (hereinafter "Original Creditor"), the Original Creditor as defined by CPLR §105(g-1), bearing an account number on the most recent statement ending in #XXXXXXXXXXXX4088, as so evidenced in the statement attached hereto, wherein Defendant(s) agreed to pay Original Creditor all amounts charged to said Account. 5. Upon information and belief, Defendant(s) incurred charges by use of the said Account and defaulted. As a result of the Defendant’s default the Original Creditor closed the Account and subsequently charged it off on 02/09/2021 in the amount of $1,416.28. Pursuant to CPLR §3016(j) a copy of the Charge-Off Statement is attached hereto as Exhibit A. 6. Susequently, the Original Creditor sold/ assigned the Account, including all rights, title and interest in and to the outstanding balance owed by Defendant(s). Plaintiff, purchased and/or took by assignment the account herein on or about 04/02/2021. The complete chain of sale and assignment and dates sold and/or assigned are as follows: Assignor Date of Transfer Amt. at Time of Transfer Transfer 1: Celtic Bank 02/09/2021 $1,416.28 Transfer 2: Genesis FS Card Services, Inc. 04/02/2021 $1,416.28 7. Upon information and belief the date of last payment on this account was 07/08/2020 in the amount of $86.00. S_S_COM-RTL 2 of 13 FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022 8. The account balance printed on the most recent monthly statement recording a purchase transaction, last payment or balance transfer is attached hereto as Exhibit B. 9. At this time, Defendant(s) owes $1,416.28 on the Account. This amount includes a charge-off balance of $1,416.28, post-charge-off interest of $0.00, post-charge-off fees and charges of $0.00, less any post-charge-off credits or payments made by or on behalf of the Defendant of $0.00; and that amount has not been paid despite due demand. WHEREFORE, Plaintiff demands judgment against Defendant(s) in the amount of $1,416.28, plus costs and disbursements. CERTIFICATION: Deponent is an attorney associated with Tromberg, Morris & Poulin, PLLC Deponent certifies that, to the best of their knowledge, information and belief, formed after an inquiry reasonable under the circumstances, the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1(c) of the Chief Administrative Judge, and as an initiating pleading, the matter was not obtained through illegal conduct, and the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title. Affirmed this 27th day of October, 2022. ____________________________ Matter # 476639 Stephen Einstein Christina Yellamaty Anthony S. Poulin Joseph J. Cassotta Scott Morris Joseph G. Devine S_S_COM-RTL 3 of 13 FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022 EXHIBIT “A” (CHARGE-OFF/ LAST STATEMENT) Matter #: 476639 S_EXH-COSM 4 of 13 FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022 GENESIS FS CARD SERVICES Account Number ! 088 AVER ON OR 97076-4477 New Balance $1,416.28 I I rurlhIrnbr"n inlrull"n I I mhIn Minimum Payment Due $1,212.28 GE N E S I S FS CA RD S E RV ICE S Makecheck/money Payment Due Date 03/07/21 PO BOX 23039 orderpayableto CO L U MB U S GA 31902-3039 AMOUNT ENCLOSED $ Pleasewriteyouraccountnumberonyourcheck/money order anddond sendcash. "hhhn"hnbi-IrrblunipuynilbIIIIIhbini-|p|1 HO P E M K I NG **0000000 4424 R0 S ED A L EDR Address/Phone Number Change G R A ND P RA I R I ETX 75052-3364 ¡ Please check here and complete Address/Phone Number Change Form on reverse side. Makeyourpaymentonlineatwww.myindigocard.com ________________________________________________________________________________ G Please detach this portion and retum with your payment to ensure proper credit. Retain lower portion for your records. MASTERCARD ACCOUNT STATEMENT indigor -088 January 09, 2021 - February 08, 2021 mastercard Account Summary Payment Information CreditLine $300.00 Total New Balance $1,416.28 Available Credit $0.00 Minimum Payment Due $1,212.28 Past Due Amount $548.00 Payment Due Date March 07, 2021 Overlimit Amount $1,116.28 StatementClosingDate February08, 2021 # of Days in Billing Cycle 31 Late Payment Warning: If we do not receive your minimum payment by the paymentdue date listed above, you may Purchase/Cash Advance Balance have to pay a late fee of up to $39 and your Purchase Summary APR up to the Penalty APR may be increased of 29.90%. PreviousBalance $1,343.81 Payments $0.00 Minimum Payment Warning: If you make only the Other Credits $0.00 minimum payment each period, you will pay more in Purchases $0.00 and it will take you longer to pay off your Interest Cash Advances $0.00 balance.For example: Adjustments $0.00 Fees Charged $39.00 If you make no You will pay off InterestCharged $33.47 New Purchase/Cash additional charges the balance shown And you will end Advance Balance $1,416.28 using this card andon this statement up paying an each month you in about... estimated total of... pay... Only the minimum payment 2 years $1,723 If you would like information about credit counseling services, call 1-866-946-9545 . Mail payment to: Please mail billing inquiries to: Q UESTIONS? Genesis FS Card Services Genesis FS Card Services Call 1-866-946-9545 PO BOX 23039 P.O. Box 4499 www.myindigocard.com COLUMBUS GA 31902-3039 Beaverton, OR 97076-4499 YOUR MINIMUM PAYMENT INCLUDES ANY OVERLIMIT AND PAST DUE AMOUNTS. PLEASE REMIT IMMEDIATELY. Fees Tran Post Reference Number Date. Date. Description of Transaction or Credit Amount 02/08 02/08 LATE PAYMENT CHARGE $39.00 TOTAL FEES FOR THIS PERIOD $39.00 InterestCharged Tran Post Reference Number Date. Date. Description of Transaction or Credit Amount 02/08 02/08 INTEREST CHARGE PURCHASE $33.47 TOTAL INTEREST FOR THIS PERIOD $33.47 2021 Totals Year-to-Date Total fees charged in 2021 $78.00 Total interest charged in 2021 $65.18 InterestCharge Calculation Your Annual Percentage Rate (APR) is the annual rate on your account. interest Annual Percentaqe Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Purchases 29.90% $1,343.81 $33.47 Cash Advances 29.90% $0.00 $0.00 = Variable Rate (v) PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 2 5 of 13 FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022 ADDRESS/PHONE NUMBER CHANGE FORM If you provide us with a cellular phone number, you are expressly consenting that (i) we and our agents may contact you at that number and (ii) we may use automated telephone dialing systems to initiate such contacts and/or leave recorded messages. ADDRESS CITY STATE ZIP CODE HOME PHONE BUSINESS PHONE EMAIL ADDRESS Detach here Y and return above portion with your remittance. After detaching, retain lower portion for your future reference. ThisAccountis issuedby CelticBankandservicedby GenesisFSCardServices,Inc· calculationofyourAverageDailyBalanceof CashAdvances. Wewill notcharge WhatToDoIf YouThinkYouFindA MistakeOnYourStatement any CashAdvanceTransactionFees,however,during the one-yearperiod 2. Pe odic interest harge compute by ppÈing the applicableMonthly P x 49 e rtoOregon970 PenodicRateor Rates,determinedas providedbelowunderComputingthe Inyourletter,giveusthe followinginformation: Purchase andCash Advance Balance Monthly Periodic Rates and " Accountinformadon: YournameandAccountnumber. AnnualPercentage Corresponding Rates(APR)to: " DollarAmount:The dollaramountofthesuspected error. a. your AverageDaily Balanceof CashAdvances(includingnew Cash " DescripHon of Problem:Ifyouthinkthereis anerroronyourbill,describe and Advances); whatyoubelieveis wrongandwhyyoubelieveit isa mistake. b. yourAverageDailyBalanceof Purchases (includingnewPurchases). Youmustcontactuswithin60daysaftertheerrorappeared onyourstatement. However,if the total of the amountsso computedis an amountless than $.50, then a minimuminterestchargeof $.50 will be imposedinsteadof suchsmalleramountsandwill betreatedasaninterestchargeonPurchases. Youmustnotifyusof any potentialerrorsin writing.Youmaycall us,butif youdowe arenotrequiredto investigate 3. A ForeignCurrencyConversionFeeinterestchargein an amountequalto anypotentialerrorsandyoumayhaveto paytheamount inquestion. 1% of the convertedU.S.dollaramountof eachtransaction,includingCash Advancesand Purchases, that is effectedin any currencyotherthan U.S. Whilewe investigate whetheror nottherehasbeenanerror,the followingaretrue: dollars. " We cannottry to collectthe amountin question,or reportyou as delinquent WhenInterestChargesBegintoAccrue.InterestchargesonPurchases will beimposed " at theapplicableMonthlyPeriodicRatefromthedateeachPurchaseis made,andwill Thechargein questionmay remainon your statement,and we may continue continueto accrueonunpaidbalancesas longasthey remainunpaid.However, wedo to chargeyou intereston that amount.But, if we determinethat we madea notassessinterestchargesinthe followingcircumstances: mistake,you will not haveto pay the amountin questionor any interestor otherfeesrelatedtothatamount. 1. If you paidthe New Balanceat the beginningof your previousBilling Cycle " by the PaymentDue Date during the previousBillingCycle,or if that New Whileyou do not haveto pay the amountin question,you are responsible for theremainder ofyourbalance. Balancewas$0ora creditbalance, then: " WecanappÈanyunpaidamountagainstyourcreditlimit. ª· if you pay the New Balanceon your current Statementin full by the PaymentDue Date in your current Billing Cycle, we will not assess YourRightsIf YouAreDissatisfiedWithYourCreditCardPurchases interestchargesonPurchases duringyourcurrentBillingCycle;and b. if you makea paymentthat is lessthanthe NewBalanceby the Payment If youaredissatisfiedwith the goodsor servicesthatyou havepurchased with your DueDatein yourcurrentBillingCycle,we will creditthat paymentas of the creditcard,andyouhavetriedin goodfaithto correctthe problemwiththe merchant, youmayhavetherightnotto paythe remainingamountdueonthepurchase. first dayinyourcurrentBillingCycle. 2. If you hada NewBalanceat the beginningof your previousBillingCycleand Tousethis right,allofthe followingmustbetrue: you did not pay that New Balanceby the PaymentDue Date during that 1. The purchasemusthavebeenmadein your homestateor within 100 miles previousBilling Cycle,then we will not assess interest chargeson any of your current mailingaddress,and the purchaseprice must have been Purchasesduringthe currentBillingCycleif you pay the NewBalanceat the morethan $50. (Note:Neitherof these is necessaryif your purchasewas beginningof your current Billing Cycle by the PaymentDue Date in your basedon an advertisement we mailedto you, or if we ownthe companythat currentBillingCycle. soldyouthegoodsor services.) PeriodicinterestchargesonCashAdvanceswill beimposedatthe applicableMonthly 2. Youmust haveusedyour creditcardfor the purchase.Purchasesmadewith periodicRatefromthe dateeachCashAdvanceis madeandwill continueto accrue cashadvancesfrom an ATMor with a checkthat accessesyour creditcard on unpaidbalancesas longas they remainunpaid.Thereis nograceperiodonCash accountdonotqualify. andthereis noperiodwithinwhichto payto avoidinterestchargesonCash Advances 3. Youmustnotyethavefully paidforthepurchase· Advances. Ifallofthecriteriaabovearemetandyouarestilldissatisfied withthe purchase, contact Calculatingthe PurchaseandCashAdvanceBalanceSubjectto InterestCharges usin writingat:Genesis FSCardServices,P.0.Box4499,Beaverton, 97076. Oregon, AverageDailyBalanceof Purchases(includingnew Purchases): TogettheAverage Whilewe investigate, thesamerulesapplytothedisputedamountasdiscussed above. DailyBalanceof Purchases, wetakethe beginningPurchasebalanceof yourAccount Afterwefinishour investigation, wewill tellyouourdecision.Atthat point,if wethink each day,includingunpaidinterestchargeson Purchasesand ForeignCurrency youoweanamountandyoudonotpay,we mayreportyouasdelinquent. Conversion Feeinterestchargeson Purchases, addanynewPurchases asof thedate andsubtracttheapplicableportionof anypaymentsandcreditsasofthe of transaction, PAYMENTS transactiondate.Onthefirst dayof a BillingCycle,we alsoaddany unpaidfees.This Paymentsshouldbe mailedwith the paymentcouponandin the envelopeprovided givesusthe dailybalancefor Purchases. Thenwe addallthesedailybalancesforthe to the GenesisFSCardServicespaymentaddressindicatedonthe paymentcoupon· BillingCycletogetheranddividethetotalbythenumberofdaysinthe BillingCycle.This Anypaymentreceivedin thatformandatthataddressonor before5:00P.M.Eastern givesustheAverageDailyBalanceof Purchases. Timeona normalbankingdaywill becreditedtoyourAccountthatday.Ifyourpayment AverageDailyBalanceof CashAdvances(includingnewCashAdvances): is receivedin thatformandat that addressafter5:00P.M.EasternTimeona normal Togetthe AverageDailyBalanceofCashAdvances, day,wewill creditit toyourAccountthe next bankingday,or anytimeona nonbanking wetakethe beginningCashAdvancebalance canalsobe madeonlinebyvisitingwww.myindigocard.com. of yourAccounteachday,includingunpaidinterestchargeson CashAdvancesand bankingday.Payments ForeignCurrency youauthorizeuseitherto usethe information Whenyouprovidea checkas payment, Conversion FeeinterestchargesonCashAdvances, addanynewCash Advances addtheCashAdvanceTransaction asofthedateof transaction, fromyourcheckto makea one-timeelectronicfundtransferfromyouraccountor to Feeinterest processthepaymentasachecktransaction. Whenweuseinformation fromyourcheckchargeon any CashAdvancesas of the transactiondateof eachCashAdvance,and subtracttheapplicableportionof any paymentsandcreditsasofthetransactiondate. to makean electronicfundtransfer,fundsmay bewithdrawnfromyouraccountas Thisgivesusthe dailybalanceforCashAdvances. soonasthe sameday we receiveyourpaymentandyouwill not receiveyourcheck Thenweaddallthesedailybalances for the BillingCycletogetheranddividethetotal by the numberof daysin the Billing backfromyourfinancialinstitution.Paymentsreceivedat otherthanthe remittance Cycle.ThisgivesustheAverageDailyBalanceofCashAdvances. addressonthefaceofthisstatementmaybesubjectto a delayin creditingof upto 5 daysafterthedateof receipt· Computingthe Purchaseand CashAdvanceBalanceMonthlyPeriodicRatesand ANNUALFEE(if applicable) AnnualPercentage Corresponding Rates(APR) MonthlyPeriodicRates:TheMonthlyPeriodicRateis calculatedby dividingtheAPR If youwishto terminateyourabilityto useyourCardto obtainfurtherPurchases and inordertoavoidpayingtherenewalAnnualFee,youmustdeliverwritten CashAdvances APRis 24.9%andthestandardMonthlyPeriodicRatefor by 12.ThestandardPurchase Purchases is 2.075%.ThestandardPurchase noticeofterminationto uswithinthirty(30)daysfromthe mailingdateofthestatement APRandMonthlyPeriodicRatewill apply to Purchases unlessthe penaltyAPRand MonthlyPeriodicRateapply,asdescribedin therenewalAnnualFeenotice.Yournoticemustbesentto usatGenesisFS containing thenextparagraph. OR97076.Uponreceipt,we will closeyour CardServices,RO.Box4477,Beaverton, Accountandthe renewalAnnualFeewill notbechargedto yourAccount.Terminating TheAPRand MonthlyPeriodicRatefor Purchases will increaseif we do not receive creditavailabilitywill notcancelyourobligationsto payamountsoutstanding onyour any MonthlyMinimumPaymentwithin 60 daysof the dateandtime due.In such Account,andyou will be requiredto pay your outstandingbalancewith interestin the penaltyAPRandMonthlyPeriodicRatewill applyto yourPurchases, circumstance, accordance Agreement. withthetermsofyourCardholder Theserightsdonotapplyto andexistingPurchase includingnewPurchases balances. ThepenaltyPurchase APRis withtheopeningofyourAccount· anAnnualFeechargedinconnection 29.9%andthe penaltyMonthlyPeriodicRatefor Purchases is 2.4916%.If we receive CREDITBUREAUREPORTING sixconsecutive MonthlyMinimumPayments whendueaftertheincreasetothe penalty Wemayreportinformation APR,then,startingwiththe nextBillingCycle,the penaltyAPRwill nolongerapplyand aboutyourAccounttocreditbureaus.Latepayments, missed thestandardAPRwill applyto all Purchases. the penaltyratemaycontinue Otherwise, or otherdefaultsonyourAccountmaybereflectedinyourcreditreport. payments, to applyto yourAccountindefinitely. HOWINTERESTCHARGESAREDETERMINED TheCashAdvanceAPRis 29.9%andthe MonthlyPeriodicRatefor CashAdvancesis Yourinterestchargefor anyBillingCyclewill includethefollowingcomponents, thetotal2.4916%. yourtotalinterestchargeforthe BillingCycle: ofwhichconstitutes OTHERDISCLOSURES 1. A CashAdvanceTransactionFee interestchargeimposedon each Cash . . ForAR,HI,IA,MEResidents: Advancetransactionpostedduring a BillingCycle,in an amountequalto Thiscommunication is froma debtcollector.Thisis an attemptto collectdebtandanyinformationobtainedwill beusedforthepurpose. the greaterof $5 or 5% of the amountof eachCashAdvance.Any unpaid Cash AdvanceTransactionFee interest chargeswill be added to the 6 of 13 R5975-B597-0219 FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022 EXHIBIT “B” (LAST USE OF CARD STATEMENT/ BALANCE) Matter #: 476639 S_EXH-LPAM 7 of 13 FILED: COLUMBIA COUNTY CLERK 11/15/2022 07:21 PM INDEX NO. E012022019224 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 11/15/2022 GENESIS FS CARD SERVICES Account Number ! 088 AVER ON OR 97076-4477 New Balance $976.24 Minimum Payment Due $744.24 8 GE N E S I S FS CA RD S E RV ICE S Makecheck/money Payment Due Date 08/07/20 PO BOX 23039 orderpayableto CO L U MB U S GA 31902-3039 AMOUNT ENCLOSED $ order Pleasewriteyouraccountnumberonyourcheck/money anddonotsendcash. HO P E M K I NG **0000000 4424 R0 S ED A L EDR Address/Phone Number Change G R A ND P RA I R I ETX 75052-3364 ¡ Please check here and complete Address/Phone Number Change Form on reverse side. Makeyourpaymentonlineatwww.myindigocard.com ________________________________________________________________________________ G Please detach this portion and retum with your payment to ensure proper credit. Retain lower portion for your records. MASTERCARD ACCOUNT STATEMENT indigor -088 June 09, 2020 - July 08, 2020 mastercard Account Summary Payment Information CreditLine $300.00 Total New Balance $976.24 Available Credit $0.00 Minimum Payment Due $744.24 Past Due Amount $0.00 Payment Due Date August 07, 2020 Overlimit Amount $676.24 StatementClosingDate July 08, 2020 # of Days in Billing Cycle 30 Late Payment Warning: If we do not receive your minimum payment by the paymentdue date listed above, you may Purchase/Cash Advance Balance have to pay a late fee of up to $39 and your Purchase Summary APR up to the Penalty APR may be increased of 29.90%. PreviousBalance $345.03 Payments $86.00 Minimum Payment Warning: If you make only the Other Credits $0.00 minimum payment each period, you will pay more in Purchases $657.74 and it will take you longer to pay off your Interest Cash Advances $0.00 balance.For example: Adjustments $0.00 Fees Charged $0.00 If you make no You will pay off InterestCharged $59.47 New Purchase/Cash $976.24 additional charges the balance shown And you will end Advance Balance using this card andon this statement up paying an each month you in about... estimated total of... pay... Only the minimum payment 2 years $1,259 If you would like information about credit counseling services, call 1-866-946-9545 . Mail payment to: Please mail billing inquiries to: Q UESTIONS? Genesis FS Card Services Genesis FS Card Services Call 1-866-946-9545 PO