On November 16, 2022 a
No Value
was filed
involving a dispute between
Synchrony Bank,
and
Raymond Hutchins,
for Other Matters - Consumer Credit (Card) Original Creditor Plaintiff
in the District Court of Franklin County.
Preview
FILED: FRANKLIN COUNTY CLERK 11/16/2022 05:05 INDEXPM NO. E2022-597
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 11/16/2022
CARECREDIT/SYNCHRONY BANK RAYMOND HUTCHINS
Account Number : 6019 1836 8756 0656
Statement Closing Date:
07/17/2022
Summary of Account Activity Payment Information
Previous Balance $2,650.98 New Balance $0.00
+ New Purchases $0.00 Total Minimum Payment Due $865.24
- Payments $0.00 Payment Due Date 07/18/2022
+/- Credits, Fees & Adjustments (net) ($2,650.98) PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.
+/- Interest Charge (net) $0.00 We may convert your payment into an electronic debit.
See
New Balance $0.00 reverse side.
Credit Limit $2,410.00
Available Credit $0.00 Late Payment Warning: If we do not receive your Total
Minimum Payment Due by the Payment Due Date listed above,
Days in Billing Period 30
you may have to pay a late fee up to $41.00.
Pay online for free at: mysynchrony.com
For Synchrony Bank customer service or to report your
card lost or stolen, call (1-866-893-7864).
Best times to call are Wednesday - Friday.
Promotional Purchase Summary
Promotional Promotional Deferred Tran Date Description Initial
Expiration Balance Interest Charge Purchase
Date Amount
UNTIL PAID OFF $2,394.74 $0.00 10/15/2020 Fixed Payment Reduced Apr $2,800.00
A summary of your promotional purchase is provided above.
If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges
on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date.
On a
Fixed Payment (Extended Payment Plan) promotional purchase, the Interest Charge is billed monthly and included as part of
the Minimum Payment due.
To make more than one payment see Make Payment To address or pay online at mysynchrony.com.
* NOTICE: See reverse side and additional pages (if any) for important information concerning your account.
5302 DFH 1 3 15 220717 Z X PAGE 1 of 3 9072 3600 C6S7 O1DG5302
Pay online at mysynchrony.com or enclose this coupon with your check. Please use blue or black ink.
Total Minimum Past Due Payment New Account Number
Payment Due Amount Due Date Balance
$865.24 $0.00 07/18/2022 $0.00 6019 1836 8756 0656
Payment Enclosed : $ .
New address or e-mail? Payment due includes $ 0.00 past due. Please pay the past due amount PROMPTLY.
Check the box at left and
print changes on back
RAYMOND HUTCHINS
172 PREMO RD
Make Payment to:SYNCHRONY BANK
NORTH BANGOR NY 12966-2911
PO BOX 960061
ORLANDO, FL 32896-0061
00000000011100 000000000000000 000601918 3687560 65662
FILED: FRANKLIN COUNTY CLERK 11/16/2022 05:05 INDEXPM NO. E2022-597
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 11/16/2022
Transaction Summary
Tran Date Post Date Reference Number Description Amount
07/17/2022 07/17/2022 F907200JN00999990 CHARGE OFF ACCOUNT-PRINCIPALS ($2,157.60)
07/17/2022 07/17/2022 F907200JN00999990 CHARGE OFF ACCOUNT-INTEREST ($252.38)
CHARGE
07/17/2022 07/17/2022 F907200JN00999990 CHARGE OFF ACCOUNT *FEE ($282.00)
CHARGEOFF*
FEES
07/10/2022 07/10/2022 LATE FEE $41.00
TOTAL FEES FOR THIS PERIOD $41.00
INTEREST CHARGED
07/17/2022 07/17/2022 INTEREST CHARGE ON PURCHASES $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2022 Totals Year-to-Date
Total Fees Charged in 2022 $282.00
Total Interest Charged in 2022 $219.70
Total Interest Paid in 2022 $0.00
Interest Charge Calculation
Expiration Date Annual Balance Subject to Interest Charge
Type of Balance Percentage Interest Rate
Rate (APR)
Purchases NA 26.99% $0.00 $0.00
Fixed Payment Reduced Apr UNTIL PAID OFF 17.90% $0.00 $0.00
Cardholder News & Information
In order to protect your account
privacy, we are unable to provide account information to anyone other than the cardholder(s) or
an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account, please send
written authorization to the General Inquiries address.
If you need assistance with an accommodation for your statements and/or account letters, please call 800-292-7508.
If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form
located at www.syf.com under the 'Contact Us' page.
You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we
will no longer be including return envelopes. You can make things even easier by selecting the paperless statement option on
your account online.
Statement not provided to customer.
5302 DFH 1 3 15 220717 Z X PAGE 2 of 3 9072 3600 C6S7 O1DG5302
FILED: FRANKLIN COUNTY CLERK 11/16/2022 05:05 INDEXPM NO. E2022-597
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 11/16/2022
5302 DFH 1 3 15 220717 Z X PAGE 3 of 3 9072 3600 C6S7 O1DG5302
Document Filed Date
November 16, 2022
Case Filing Date
November 16, 2022
Category
Other Matters - Consumer Credit (Card) Original Creditor Plaintiff
For full print and download access, please subscribe at https://www.trellis.law/.
Preview
FILED: FRANKLIN COUNTY CLERK 11/16/2022 05:05 INDEXPM NO. E2022-597 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 11/16/2022 CARECREDIT/SYNCHRONY BANK RAYMOND HUTCHINS Account Number : 6019 1836 8756 0656 Statement Closing Date: 07/17/2022 Summary of Account Activity Payment Information Previous Balance $2,650.98 New Balance $0.00 + New Purchases $0.00 Total Minimum Payment Due $865.24 - Payments $0.00 Payment Due Date 07/18/2022 +/- Credits, Fees & Adjustments (net) ($2,650.98) PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE. +/- Interest Charge (net) $0.00 We may convert your payment into an electronic debit. See New Balance $0.00 reverse side. Credit Limit $2,410.00 Available Credit $0.00 Late Payment Warning: If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, Days in Billing Period 30 you may have to pay a late fee up to $41.00. Pay online for free at: mysynchrony.com For Synchrony Bank customer service or to report your card lost or stolen, call (1-866-893-7864). Best times to call are Wednesday - Friday. Promotional Purchase Summary Promotional Promotional Deferred Tran Date Description Initial Expiration Balance Interest Charge Purchase Date Amount UNTIL PAID OFF $2,394.74 $0.00 10/15/2020 Fixed Payment Reduced Apr $2,800.00 A summary of your promotional purchase is provided above. If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment (Extended Payment Plan) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due. To make more than one payment see Make Payment To address or pay online at mysynchrony.com. * NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 DFH 1 3 15 220717 Z X PAGE 1 of 3 9072 3600 C6S7 O1DG5302 Pay online at mysynchrony.com or enclose this coupon with your check. Please use blue or black ink. Total Minimum Past Due Payment New Account Number Payment Due Amount Due Date Balance $865.24 $0.00 07/18/2022 $0.00 6019 1836 8756 0656 Payment Enclosed : $ . New address or e-mail? Payment due includes $ 0.00 past due. Please pay the past due amount PROMPTLY. Check the box at left and print changes on back RAYMOND HUTCHINS 172 PREMO RD Make Payment to:SYNCHRONY BANK NORTH BANGOR NY 12966-2911 PO BOX 960061 ORLANDO, FL 32896-0061 00000000011100 000000000000000 000601918 3687560 65662 FILED: FRANKLIN COUNTY CLERK 11/16/2022 05:05 INDEXPM NO. E2022-597 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 11/16/2022 Transaction Summary Tran Date Post Date Reference Number Description Amount 07/17/2022 07/17/2022 F907200JN00999990 CHARGE OFF ACCOUNT-PRINCIPALS ($2,157.60) 07/17/2022 07/17/2022 F907200JN00999990 CHARGE OFF ACCOUNT-INTEREST ($252.38) CHARGE 07/17/2022 07/17/2022 F907200JN00999990 CHARGE OFF ACCOUNT *FEE ($282.00) CHARGEOFF* FEES 07/10/2022 07/10/2022 LATE FEE $41.00 TOTAL FEES FOR THIS PERIOD $41.00 INTEREST CHARGED 07/17/2022 07/17/2022 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2022 Totals Year-to-Date Total Fees Charged in 2022 $282.00 Total Interest Charged in 2022 $219.70 Total Interest Paid in 2022 $0.00 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type of Balance Percentage Interest Rate Rate (APR) Purchases NA 26.99% $0.00 $0.00 Fixed Payment Reduced Apr UNTIL PAID OFF 17.90% $0.00 $0.00 Cardholder News & Information In order to protect your account privacy, we are unable to provide account information to anyone other than the cardholder(s) or an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account, please send written authorization to the General Inquiries address. If you need assistance with an accommodation for your statements and/or account letters, please call 800-292-7508. If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form located at www.syf.com under the 'Contact Us' page. You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we will no longer be including return envelopes. You can make things even easier by selecting the paperless statement option on your account online. Statement not provided to customer. 5302 DFH 1 3 15 220717 Z X PAGE 2 of 3 9072 3600 C6S7 O1DG5302 FILED: FRANKLIN COUNTY CLERK 11/16/2022 05:05 INDEXPM NO. E2022-597 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 11/16/2022 5302 DFH 1 3 15 220717 Z X PAGE 3 of 3 9072 3600 C6S7 O1DG5302