Preview
FILED: MADISON COUNTY CLERK 01/10/2023 06:19 PM INDEX NO. EF2023-1017
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
CONSUMER CREDIT TRANSACTION
Date Purchased:
SUPREME COURT OF THE STATE OF NEW YORK Index №
COUNTY OF MADISON X
Crown Asset Management, LLC SUMMONS
Plaintiff, Plaintiff's Address:
-against- 3100 Breckenridge Blvd. Suite 725
Duluth NY 30096
Tabatha L Miller
Defendant(s).
The Basis of Venue is:
CPLR SEC. 503(f). Defendants
residence is in the County of
MADISON.
X
Defendant(s) Address:
DEF1- 2735 PINE RIDGE RD, CANASTOTA NY 13032
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: November 30, 2022
Matter # 478865 ____________________________
Stephen Einstein Urva S. Ahmed
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
*SM0000478865*
S_S_SUP-SUM
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FILED: MADISON COUNTY CLERK 01/10/2023 06:19 PM INDEX NO. EF2023-1017
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
SUPREME COURT OF THE STATE OF NEW YORK INDEX №:
COUNTY OF MADISON
Crown Asset Management, LLC
Plaintiff,
-against-
COMPLAINT
Tabatha L Miller
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 Comenity Capital 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 #XXXXXXXXXXXX8404, 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 12/31/2021 in the amount of $1,151.33. 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 01/11/2022. 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: Comenity Capital Bank 01/11/2022 $1,151.33
7. Upon information and belief the date of last payment on this account was 05/15/2021 in the amount
of $30.00.
S_S_COM-RTL
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FILED: MADISON COUNTY CLERK 01/10/2023 06:19 PM INDEX NO. EF2023-1017
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
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 $1,151.33 on the Account. This amount includes a charge-off
balance of $1,151.33, 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 $1,151.33, 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 30th day of November, 2022.
____________________________
Matter # 478865 Stephen Einstein Urva S. Ahmed
Anthony S. Poulin Joseph J. Cassotta
Scott Morris Joseph G. Devine
S_S_COM-RTL
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FILED: MADISON COUNTY CLERK 01/10/2023 06:19 PM INDEX NO. EF2023-1017
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
EXHIBIT “A”
(CHARGE-OFF/ LAST STATEMENT)
Matter #: 478865
S_EXH-COSM
4 of 16
FILED: MADISON COUNTY CLERK 01/10/2023 INDEX
06:19 NO.
PM EF2023-1017
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
..............................................................................................................................................................................................................
PAGE 1 OF 4
Summary of account activity Payment information
Account no. ****-****-****-8404 New balance $1,151.33
Minimum payment due $267.00
Previousbalance $1,037.51 Payment due date 01/17/2022
Payments 0.00
Other 0.00 Late payment warning:
credits
If we do not receive
your minimum payment by 01/17/2022you may
Purchases 0.00
have to pay up to a $40.00
late fee.
Otherdebits 0.00 ....................................................................................................................
Fees charged 40.00 Minimum payment warning: If you make
only the minimum
Interest
charged 73.82 payment for each in interest
you will pay more and it will take
period,
New balance $1,151.33 you longer to pay off your
balances.For example:
Past due amount 226.00 If youmake no additional You willpay off And you will
Creditlimit $750.00 charges usingthiscard the balanceshown end up payingan
Availablecredit $0.00 and each month you pay: on the statement estimatedtotal
Statement date 12/22/2021 in about: of:
closing
Days in billing cycle 31 Only the minimumpayment 5 years $2306
For information credit
regarding counselingservices,
call1-800-284-1706.
If you returned
an item that
was on a promotionalplan and have questions
with how the return
was appliedto your
account,please call
us.
Details of your transactions
TRANS DATE TRANSACTIONDESCRIPTION/LOCATION AMOUNT
12/01/2021 PROMO FINANCE CHARGE ADJ 54.20
12/22/2021 PROMOTIONAL TO REVOLVING 293.73
..........................................................................................................................................................................................................
Fees
12/17/2021 LATE FEE 40.00
Totalfees charged forthisperiod $40.00
..........................................................................................................................................................................................................
Interest charged
Interestchargeon purchases $73.82
Totalinterestforthisperiod $73.82
2021 totalsyearto date
Total fees
charged in 2021 $269.00
Totalinterest
charged in 2021 $188.94
Interest charge calculation
Your AnnualPercentage Rate (APR) is the annual
interest
rate on your account.
See BALANCE COMPUTATION METHOD
on page 2 for more details.
Minimum interest
charge may exceed interest
charge below,per your credit
card agreement.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR TOINTEREST RATE CHARGE
Purchases prior to 03/31/2021 29.9900% 236.87 6.03
Purchases 29.9900% 533.39 13.59
Plan 406-00003DF INT PY REQ 29.9900% 334.16 54.20
NOTICESeereversesidefor impodantinformation.
Please tear at perforation above
Account
number ****-****-****-8404
New balance Minimum payment
S g.
FGB $1,151.33 $267.00
99 4
Mailed paymentsmust reach us by 6pm ET
Yes, I have moved or updated my Amount on 01/17/2022.
e-mail address - see reverse. enclosed:
$ Please make check payable to:
I||HiHI |pI|iHI I H|lpI IpI||Islili|l n
Ip
Please return this portion along with your payment to:
TABATHA L MILLER
309 W 11TH ST PO BOX 650967
ANDERSON IN 46016-1329 DALLAS TX 75265-0967
5 of 16
FILED: MADISON COUNTY CLERK 01/10/2023 INDEX
06:19 NO.
PM EF2023-1017
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
Keepthis portionfor your records. CREDITREPORTING.We may reportinformationaboutyouraccountto
WhatToDo If YouThink YouFindA MistakeOn YourStatement credit bureaus.Late payments,missedpayments,or otherdefaultson your
. account may be reflected in yourcredit report.
If you think there is an erroron your statement,write to us at: Comenity
Capital BankPOBox 182620, Columbus,OH43218-2620. NOTICEOFCREDITREPORTDISPUTES
In your letter, give us the following information: If you believethe accountinformationwe reportedto a consumerreporting
" Accountinformation:Yournameand accountnumber. agencyis inaccurate,you maysubmit a direct dispute to ComenityCapital
" Dollaramount:Thedollar amountof the suspectederror. BankPOBox 182120, Columbus,OH43218-2120. Yourwritten dispute
" mustprovidesufficient informationto identify the accountand specifywhy
Descriptionof Problem:If you think there is an erroron your bill,
the informationis inaccurate:
describewhatyou believeis wrongand whyyou believeit is a mistake.
" AccountInformation:Yournameand accountnumber
"
Youmustcontact us within 60 daysafter the errorappearedon your
ContactInformation:Youraddressand telephonenumber
statement. . DisputedInformation:Identify the accountinformationdisputedand
explain whyyou believeit is inaccurate
Youmust notify us of any potentialerrorsin writing.You maycall us, but if
" SupportingDocumentation:If available,providea copy of the sectionof
you do weare not requiredto investigateany potential errorsandyou may
haveto pay the amountin question. the credit reportshowingthe accountinformationyou are disputing
Whilewe investigatewhetheror not there hasbeenan error, the following
Wewill investigatethe disputedinformationand reportthe resultsto you
aretrue: within 30 daysof receiptof the informationneededfor our investigation.If
" Wecannot try to collect the amountin question,or reportyou as
wefind that the accountinformationwe reportedis inaccurate,wewill
delinquenton that amount. promptlyprovidethe necessarycorrectionto eachconsumerreporting
" agencyto which we reportedthe information.
Thechargein questionmay remainon your statement,and we may
continueto chargeyou intereston that amount. But, if wedeterminethat
PAYMENTS MARKED"PAIDIN FULL". All written communications
we madea mistake,you will not haveto pay the amountin questionor
regardingdisputedamountsthat include
any checkor other payment
any interestor otherfeesrelatedto that amount. instrumentmarkedwith "paymentin full" or similar language,mustbe sent
" Whileyou do not haveto pay the amountin question,you are responsible
to: 3000 KellwayDrive,Suite 120 Carrollton,TX75006.
for the remainderof your balance. DONOTUSETHEENCLOSED REMITTANCEENVELOPE.
" Wecan applyany unpaidamountagainstyourcredit limit. - We mayaccept paymentsentto any otheraddresswithout losingany of
our rights.
- Nopaymentshall operateas an accordand satisfactionwithout prior
YourRightsIf YouAre DissatisfiedWith YourCreditCardPurchases
written approval.
If you aredissatisfiedwith the goodsor servicesthat you havepurchased
with yourcredit card, andyou havetried in goodfaith to correctthe
CUSTOMER SERVICE.Visit comenity.net/biglotsor call 1-888-566-4353
problemwith the merchant,you may havethe right not to pay the remaining
(TDD/TTY1-888-819-1918).
amountdue on the purchase.
TELEPHONE MONITORING.To provideyou with high-qualityservice,
To usethis right, all of the following mustbe true: phonecommunicationwith us is monitoredand/orrecorded.
1. Thepurchasemusthavebeenmadein your homestateor within 100
ADDITIONALINFORMATION.
The followingdesignations,whenappearing
miles of yourcurrent mailing address,and the purchaseprice musthave
on the front of your statement,meanthe following:V meansvariablerate
beenmorethan $50. (Note:Neitherof theseis necessaryif your purchase
(this rate mayvary);WVINT PAYRQmeansWAIVEINTEREST,PAYMENT
wasbasedon an advertisementwe mailedto you, or if weownthe company
REQUIRED;WVINT EQPYmeansWAIVEINTEREST,EQUALPAYMENT; WV
that soldyou the goodsor services.) INT LOWPMTmeansWAIVEINTEREST,LOWPAYMENT;DFINT PYRQ
meansDEFERINTEREST,PAYMENTREQUIRED;DEFINT EQPYmeans
2. Youmusthaveusedyourcredit card for the purchase.Purchasesmade
DEFERINTEREST,EQUALPAYMENT;DFINT LOWPMTmeansDEFER
with cashadvancesfrom an ATMor with a checkthat accessesyourcredit
card accountdo not qualify. INTEREST,LOWPAYMENT and LOWAPREQPAYmeansLOWAPR,EQUAL
PAYMENT.If you havea variablerate account,your periodic rates mayvary.
3. Youmustnot yet havefully paid for the purchase. You maypay all of yourAccountbalanceat any time without penalty.
If all of the criteria aboveare met andyou arestill dissatisfiedwith the
Sendall inquiriesto: CUSTOMER
SERVICE,POBox 183003, Columbus,OH
purchase,contact us in writing at: ComenityCapital BankPOBox 182620,
43218-3003.
Columbus,OH43218-2620. .
Sendall bankruptcynoticesand relatedcorrespondenceto Comenity
Whilewe investigate,the samerules apply to the disputedamountas
Capital Bank,BankruptcyDepartment,POBox 183043, Columbus,OH
discussedabove.After wefinish our investigation,we will tell you our
43218-3043.
decision.At that point, if wethink you owean amountandyou do not pay
we may reportyou as delinquent. NOTICEABOUTELECTRONIC CHECKCONVERSION. Whenyou providea
checkas payment,you authorizeus either to use informationfromyour
HOWTOAVOIDPAYINGINTEREST.Yourdue date is at least25 daysafter
checkto makea one-timeelectronicfund transferfrom youraccountor to
the closeof each billing cycle. Wewill not chargeyou intereston purchases
processthe paymentas a checktransaction.Whenwe use informationfrom
if you payyourentire balanceby the due date eachmonth.Wewill beginto
yourcheckto makean electronicfund transfer,funds may be withdrawn
chargeintereston newpurchasesmadeundera LowAPR,EqualPayment
fromyouraccountas soonas the sameday we receiveyour payment,and
or BudgetPaymentCredit Planfrom the date of purchase. you will not receiveyourcheck backfromyourfinancial institution.
BALANCECOMPUTATION METHOD.Wecalculate interestseparatelyfor
eachtypeof balanceon youraccount using a "Daily Balance" to determine
interestchargesfor each billing period.Wefigure the interestchargeon
youraccount by applyingthe periodicrateto the "daily balance" of your
accountfor each day in the billing cycle. Toget the "daily balance" we
take the beginningbalanceof youraccounteach day, add any new
purchasesand fees, and subtract any paymentsor credits (treatingany net
credit balanceas a zerobalance).Thisgivesus the daily balance.
PAYMENTS.PayyourAccountby the paymentdue date by the time listed below.If wedo not receiveyour paymentin a correctformat (outlined below)it
may not be creditedto yourAccountfor up to five days,or may be rejected.Also,your paymentmustreachus by the paymentcutoff time that appliesto
the paymentmethodyou select.
CorrectFormat.Correctformatfor different paymentmethodsinclude:
Mailing or Overnight:Senda personalcheck, moneyorder,traveler'scheck or cashier'scheck payablein U.S.dollars, to the nameand addressshownon
this Statementin the paymentstub areacontainingyour balanceand minimumpaymentamount.Besureto includeyour paymentstub, do not stapleor
clip your paymentto the stub, includeyouraccountnumberon your check, usethe envelopeprovidedwith your Statement,sendone paymentwith one
paymentstub and do not sendany correspondencewith your payment.Youshouldovernighta paymentto 3000 KellwayDrive,Suite 120 Carrollton,TX
75006 and the additional format requirementsarethe sameas other mailed paymentsunlessthere is a dispute, in which caseyou follow the Payments
Marked"Paid In Full" sectionabove.Donot sendcashor gift certificates. PayBy Phone:Youcan call us toll free at 1-888-566-4353 (TDD/TTY
1-888-819-1918)to makea paymentby telephone,which may includea fee. Online:Youcan makea paymentonline at comenity.net/biglots.
PaymentCutoffTimes.Paymentcutoff times/deadlinesfor us to receivepaymentsare by the due date on this Statementin the paymentstub areaat the
following times: Mailing and Overnight:By 6:00 pm EasternTime (ET);PayBy Phone:By 6:00 pm (ET); Online: By 6:00 pm (ET).
New Information
Title (optional) First Name MI
Last Name Soc. Sec. No.
Street Address
Apt. No. RR PO Box
City State Zip Code Foreign Map Code
Home Phone Work Phone
Email Address
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FILED: MADISON COUNTY CLERK 01/10/2023 INDEX
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NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
...............................................................................................................................................................................................................
PAGE3 OF 4
Detailsof your plans
001-00002 Purchases prior to Mar 31, 2021
ORIGINAL ORIGINAL PREVIOUS TOTAL
PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEWPLAN PLAN ACCRUED
AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE MINIMUM INTEREST
N/A N/A NONE 233.96 6.03 0.00 239.99 9.00 0.00
001-00003 Purchases
ORIGINAL ORIGINAL PREVIOUS TOTAL
PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEWPLAN PLAN ACCRUED
AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE MINIMUM INTEREST
N/A N/A NONE 509.82 401.52 0.00 911.34 32.00 0.00
406-00003 PromotionalTransactionshave endedduringthis billing period.
These transactionsare now included
in your
currentbalanceand minimum payment due.
ORIGINAL ORIGINAL PREVIOUS TOTAL
PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEWPLAN PLAN ACCRUED
AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE MINIMUM INTEREST
$293.73 05/30/2021 11/30/2021 293.73 54.20 347.93 0.00 0.00 0.00
Additional important messages
EffectiveFebruary 2,2022, thecutoff times forpayments tobe creditedon the same day when the
payments are made over the phone and onlineare changing. Telephone and online Account Center
payments made by 5:00 pm Eastern Time willpost on the same day. Please see the information provided
on the back of the first
page of your statement for more detailsabout payment cutofftimes.
IMPORTANT INFORMATION ABOUT LATE FEE CREDITS
We may occasionally provide a creditforthe amount, part orall,ofa late feecharged to your account. If
we do,we willcharge a feeof up to $40.00 for any subsequent latepayment. In addition,we may reverse
the creditand repost the charge to your account if youfailtomake the minimum payment due on or
before the due date in thenext billingperiod.
Important Reminder: Promotional plan expiration dates and payment due dates may be
different.
If youhave a remaining promotional plan balance afterthe expiration date,you willsee the balance and
any accrued interest(ifapplicable) has been moved to your regular revolving plan on the statement
billing
followingthe change.
How to avoidor minimize interestcharges: Be sure topay promotional plan balances in full
on or before
the expiration date(s).Please keep an eye out fornotificationswhen your plans are nearing their
expiration dates - you'llsee them in thered box on page 1 ofyour statement. If youhave questions,
please callus at
toll-free 1-888-566-4353 (TDD/TTY: 1-888-819-1918). To learn more about how
promotional plans work, visitComenity.com/financial-education. We're always happy to help.
Account Questions? Need to make a payment? Visitcomenity.net/biglots or call1-888-566-4353
(TDD/TTY 1-888-819-1918). Want tostay in the know with credittipsand news? Visitus at
facebook.com/askcomenity or attwitter.com/askcomenity.
Protect yourself against mail and phone consumer fraud.
http://about.usps.com/publications/pub281/welcome.htm
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FILED: MADISON COUNTY CLERK 01/10/2023 INDEX
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PM EF2023-1017
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
PAGE4 OF 4
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NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
EXHIBIT “B”
(LAST USE OF CARD STATEMENT/ BALANCE)
Matter #: 478865
S_EXH-LPAM
9 of 16
FILED: MADISON COUNTY CLERK 01/10/2023 INDEX
06:19 NO.
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NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023
You want it?
You got it.
With your Big
Lots
Credit Card!
Use it in stores and on BigLots.com for
everything from furniture and mattresses
to home essentials and food.
Go ahead and swipe-it's simple!
PAGE 1 OF 4
Summary of account activity Payment information
Account no. ****-****-****-8404 New balance $165.43
Minimum payment due $29.00
Previousbalance $195.43 Payment due date 06/17/2021
Payments -30.00
Late payment warning:
Othercredits 0.00
If we do not receive
your minimum payment by 06/17/2021you may
Purchases 0.00
have to pay up to a $40.00
late fee.
Otherdebits 0.00 ....................................................................................................................
Fees charged 0.00 Minimum payment warning: If you make
only the minimum
Interest
charged 0.00 payment for each in interest
you will pay more and it will take
period,
New balance $165.43 you longer to pay off your
balances.For example:
Past due amount 0.00 If youmake no additional You willpay off And you will
Creditlimit $750.00 charges usingthiscard the balanceshown end up payingan
Availablecredit $584.57 and each month you pay: on the statement estimatedtotal
Statement date 05/22/2021 in about: of:
closing
Days in billing cycle 31 Only the minimumpayment 8 months $222
For information credit
regarding counselingservices,
call1-800-284-1706.
WARNING: PromotionalPlan(s)ENDING SOON!
You must pay yourPlan 406-00002 balanceof $165.43 in full
by Jun 25,
2021 to avoid
payingaccrued interest
charges.PLUS - If you have other
purchasesor promotionalbalanceson your account,
you also will
need to pay your
Minimum payment by thePayment due dateshown on this
statement.
The address for
mailed paymentshas changed.The new address is reflected
at thebottomof this statement.
billing
Account Questions?Need to make a payment?Want to know how to go paperless?
Visit
comenity.net/biglots
or call1-888-566-4353 (TDD/TTY 1-888-819-1918).
If you returned
an item that
was on a promotionalplan and have questions
with how the return
was appliedto your
account,please call
us.
Skipsigningin to pay and use Comenity's
EasyPay.It'ssafe and convenient.
Use your smartphonecamera or code
reader to scan the QR code
printedon yourpayment stubbelow to get started.
Details of your transactions
TRANS DATE TRANSACTIONDESCRIPTION/LOCATION AMOUNT
05/15/2021 PAYMENT - THANK YOU -30.00
..........................................................................................................................................................................................................
Fees
Totalfees charged forthisperiod $0.00
..........................................................................................................................................................................................................
Interest charged
Interestchargeon purchases $0.00
Totalinterestforthisperiod $0.00
2021 totalsyearto date
Total fees
charged in 2021 $0.00
Totalinterest
charged in 2021 $0.00
NOTICESeereversesidefor importantinformation.
Please tear at perforation above
Account
number ****-****-****-8404
New balance Minimum payment
GB S g. $165.43 $29.00
99 3
Mailed paymentsmust reach us by 6pm ET
Yes, I have moved or updated my Amount on 06/17/2021.
e-mail address - see reverse. enclosed:
$ Please make check payable to:
up |m||ql|il|illInlH I I I"I P I HI
Please return this portion along with your payment to:
TABATHA L MILLER
2735 PINE RIDGE RD PO BOX 650967
CANASTOTA NY 13032-4670 DALLAS TX 75265-0967
10 of 16
FILED: MADISON COUNTY CLERK 01/10/2023 INDEX
06:19 .. -
NO.
PM EF2023-1017
NYSCEF DOC. NO. 1 e a
RECEIVED NYSCEF: 01/10/2023
..............................................................................................................................................................................................................
Keepthis portionfor your records. CREDITREPORTING.We may reportinformationaboutyouraccountto
WhatToDo If YouThink YouFindA MistakeOn YourStatement credit bureaus.Late payments,missedpayments,or otherdefaultson your
. account may be reflected in yourcredit report.
If you think there is an erroron your statement,write to us at: Comenity
Capital BankPOBox 182620, Columbus,Ohio43218-2620. NOTICEOFCREDITREPORTDISPUTES
In your letter, give us the following information: If you believethe accountinformationwe reportedto a consumerreporting
" Accountinformation:Yournameand accountnumber. agencyis inaccurate,you maysubmit a direct dispute to ComenityCapital
" Dollaramount:Thedollar amountof the suspectederror. BankPOBox 182120, Columbus,Ohio43218-2120. Yourwritten dispute
" mustprovidesufficient informationto identify the accountand specifywhy
Descriptionof Problem:If you think there is an erroron your bill,
the informationis inaccurate:
describewhatyou believeis wrongand whyyou believeit is a mistake.
" AccountInformation:Yournameand accountnumber
"
Youmustcontact us within 60 daysafter the errorappearedon your
ContactInformation:Youraddressand telephonenumber
statement. . DisputedInformation:Identify the accountinformationdisputedand
explain whyyou believeit is inaccurate
Youmust notify us of any potentialerrorsin writing.You maycall us, but if
" SupportingDocumentation:If available,providea copy of the sectionof
you do weare not requiredto investigateany potential errorsandyou may
haveto pay the amountin question. the credit reportshowingthe accountinformationyou are disputing
Whilewe investigatewhetheror not there hasbeenan error, the following
Preview
FILED: MADISON COUNTY CLERK 01/10/2023 06:19 PM INDEX NO. EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 CONSUMER CREDIT TRANSACTION Date Purchased: SUPREME COURT OF THE STATE OF NEW YORK Index № COUNTY OF MADISON X Crown Asset Management, LLC SUMMONS Plaintiff, Plaintiff's Address: -against- 3100 Breckenridge Blvd. Suite 725 Duluth NY 30096 Tabatha L Miller Defendant(s). The Basis of Venue is: CPLR SEC. 503(f). Defendants residence is in the County of MADISON. X Defendant(s) Address: DEF1- 2735 PINE RIDGE RD, CANASTOTA NY 13032 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: November 30, 2022 Matter # 478865 ____________________________ Stephen Einstein Urva S. Ahmed 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 *SM0000478865* S_S_SUP-SUM 1 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 06:19 PM INDEX NO. EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 SUPREME COURT OF THE STATE OF NEW YORK INDEX №: COUNTY OF MADISON Crown Asset Management, LLC Plaintiff, -against- COMPLAINT Tabatha L Miller 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 Comenity Capital 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 #XXXXXXXXXXXX8404, 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 12/31/2021 in the amount of $1,151.33. 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 01/11/2022. 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: Comenity Capital Bank 01/11/2022 $1,151.33 7. Upon information and belief the date of last payment on this account was 05/15/2021 in the amount of $30.00. S_S_COM-RTL 2 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 06:19 PM INDEX NO. EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 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 $1,151.33 on the Account. This amount includes a charge-off balance of $1,151.33, 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 $1,151.33, 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 30th day of November, 2022. ____________________________ Matter # 478865 Stephen Einstein Urva S. Ahmed Anthony S. Poulin Joseph J. Cassotta Scott Morris Joseph G. Devine S_S_COM-RTL 3 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 06:19 PM INDEX NO. EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 EXHIBIT “A” (CHARGE-OFF/ LAST STATEMENT) Matter #: 478865 S_EXH-COSM 4 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 INDEX 06:19 NO. PM EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 .............................................................................................................................................................................................................. PAGE 1 OF 4 Summary of account activity Payment information Account no. ****-****-****-8404 New balance $1,151.33 Minimum payment due $267.00 Previousbalance $1,037.51 Payment due date 01/17/2022 Payments 0.00 Other 0.00 Late payment warning: credits If we do not receive your minimum payment by 01/17/2022you may Purchases 0.00 have to pay up to a $40.00 late fee. Otherdebits 0.00 .................................................................................................................... Fees charged 40.00 Minimum payment warning: If you make only the minimum Interest charged 73.82 payment for each in interest you will pay more and it will take period, New balance $1,151.33 you longer to pay off your balances.For example: Past due amount 226.00 If youmake no additional You willpay off And you will Creditlimit $750.00 charges usingthiscard the balanceshown end up payingan Availablecredit $0.00 and each month you pay: on the statement estimatedtotal Statement date 12/22/2021 in about: of: closing Days in billing cycle 31 Only the minimumpayment 5 years $2306 For information credit regarding counselingservices, call1-800-284-1706. If you returned an item that was on a promotionalplan and have questions with how the return was appliedto your account,please call us. Details of your transactions TRANS DATE TRANSACTIONDESCRIPTION/LOCATION AMOUNT 12/01/2021 PROMO FINANCE CHARGE ADJ 54.20 12/22/2021 PROMOTIONAL TO REVOLVING 293.73 .......................................................................................................................................................................................................... Fees 12/17/2021 LATE FEE 40.00 Totalfees charged forthisperiod $40.00 .......................................................................................................................................................................................................... Interest charged Interestchargeon purchases $73.82 Totalinterestforthisperiod $73.82 2021 totalsyearto date Total fees charged in 2021 $269.00 Totalinterest charged in 2021 $188.94 Interest charge calculation Your AnnualPercentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below,per your credit card agreement. TYPE OF BALANCE SUBJECT INTEREST BALANCE APR TOINTEREST RATE CHARGE Purchases prior to 03/31/2021 29.9900% 236.87 6.03 Purchases 29.9900% 533.39 13.59 Plan 406-00003DF INT PY REQ 29.9900% 334.16 54.20 NOTICESeereversesidefor impodantinformation. Please tear at perforation above Account number ****-****-****-8404 New balance Minimum payment S g. FGB $1,151.33 $267.00 99 4 Mailed paymentsmust reach us by 6pm ET Yes, I have moved or updated my Amount on 01/17/2022. e-mail address - see reverse. enclosed: $ Please make check payable to: I||HiHI |pI|iHI I H|lpI IpI||Islili|l n Ip Please return this portion along with your payment to: TABATHA L MILLER 309 W 11TH ST PO BOX 650967 ANDERSON IN 46016-1329 DALLAS TX 75265-0967 5 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 INDEX 06:19 NO. PM EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 Keepthis portionfor your records. CREDITREPORTING.We may reportinformationaboutyouraccountto WhatToDo If YouThink YouFindA MistakeOn YourStatement credit bureaus.Late payments,missedpayments,or otherdefaultson your . account may be reflected in yourcredit report. If you think there is an erroron your statement,write to us at: Comenity Capital BankPOBox 182620, Columbus,OH43218-2620. NOTICEOFCREDITREPORTDISPUTES In your letter, give us the following information: If you believethe accountinformationwe reportedto a consumerreporting " Accountinformation:Yournameand accountnumber. agencyis inaccurate,you maysubmit a direct dispute to ComenityCapital " Dollaramount:Thedollar amountof the suspectederror. BankPOBox 182120, Columbus,OH43218-2120. Yourwritten dispute " mustprovidesufficient informationto identify the accountand specifywhy Descriptionof Problem:If you think there is an erroron your bill, the informationis inaccurate: describewhatyou believeis wrongand whyyou believeit is a mistake. " AccountInformation:Yournameand accountnumber " Youmustcontact us within 60 daysafter the errorappearedon your ContactInformation:Youraddressand telephonenumber statement. . DisputedInformation:Identify the accountinformationdisputedand explain whyyou believeit is inaccurate Youmust notify us of any potentialerrorsin writing.You maycall us, but if " SupportingDocumentation:If available,providea copy of the sectionof you do weare not requiredto investigateany potential errorsandyou may haveto pay the amountin question. the credit reportshowingthe accountinformationyou are disputing Whilewe investigatewhetheror not there hasbeenan error, the following Wewill investigatethe disputedinformationand reportthe resultsto you aretrue: within 30 daysof receiptof the informationneededfor our investigation.If " Wecannot try to collect the amountin question,or reportyou as wefind that the accountinformationwe reportedis inaccurate,wewill delinquenton that amount. promptlyprovidethe necessarycorrectionto eachconsumerreporting " agencyto which we reportedthe information. Thechargein questionmay remainon your statement,and we may continueto chargeyou intereston that amount. But, if wedeterminethat PAYMENTS MARKED"PAIDIN FULL". All written communications we madea mistake,you will not haveto pay the amountin questionor regardingdisputedamountsthat include any checkor other payment any interestor otherfeesrelatedto that amount. instrumentmarkedwith "paymentin full" or similar language,mustbe sent " Whileyou do not haveto pay the amountin question,you are responsible to: 3000 KellwayDrive,Suite 120 Carrollton,TX75006. for the remainderof your balance. DONOTUSETHEENCLOSED REMITTANCEENVELOPE. " Wecan applyany unpaidamountagainstyourcredit limit. - We mayaccept paymentsentto any otheraddresswithout losingany of our rights. - Nopaymentshall operateas an accordand satisfactionwithout prior YourRightsIf YouAre DissatisfiedWith YourCreditCardPurchases written approval. If you aredissatisfiedwith the goodsor servicesthat you havepurchased with yourcredit card, andyou havetried in goodfaith to correctthe CUSTOMER SERVICE.Visit comenity.net/biglotsor call 1-888-566-4353 problemwith the merchant,you may havethe right not to pay the remaining (TDD/TTY1-888-819-1918). amountdue on the purchase. TELEPHONE MONITORING.To provideyou with high-qualityservice, To usethis right, all of the following mustbe true: phonecommunicationwith us is monitoredand/orrecorded. 1. Thepurchasemusthavebeenmadein your homestateor within 100 ADDITIONALINFORMATION. The followingdesignations,whenappearing miles of yourcurrent mailing address,and the purchaseprice musthave on the front of your statement,meanthe following:V meansvariablerate beenmorethan $50. (Note:Neitherof theseis necessaryif your purchase (this rate mayvary);WVINT PAYRQmeansWAIVEINTEREST,PAYMENT wasbasedon an advertisementwe mailedto you, or if weownthe company REQUIRED;WVINT EQPYmeansWAIVEINTEREST,EQUALPAYMENT; WV that soldyou the goodsor services.) INT LOWPMTmeansWAIVEINTEREST,LOWPAYMENT;DFINT PYRQ meansDEFERINTEREST,PAYMENTREQUIRED;DEFINT EQPYmeans 2. Youmusthaveusedyourcredit card for the purchase.Purchasesmade DEFERINTEREST,EQUALPAYMENT;DFINT LOWPMTmeansDEFER with cashadvancesfrom an ATMor with a checkthat accessesyourcredit card accountdo not qualify. INTEREST,LOWPAYMENT and LOWAPREQPAYmeansLOWAPR,EQUAL PAYMENT.If you havea variablerate account,your periodic rates mayvary. 3. Youmustnot yet havefully paid for the purchase. You maypay all of yourAccountbalanceat any time without penalty. If all of the criteria aboveare met andyou arestill dissatisfiedwith the Sendall inquiriesto: CUSTOMER SERVICE,POBox 183003, Columbus,OH purchase,contact us in writing at: ComenityCapital BankPOBox 182620, 43218-3003. Columbus,OH43218-2620. . Sendall bankruptcynoticesand relatedcorrespondenceto Comenity Whilewe investigate,the samerules apply to the disputedamountas Capital Bank,BankruptcyDepartment,POBox 183043, Columbus,OH discussedabove.After wefinish our investigation,we will tell you our 43218-3043. decision.At that point, if wethink you owean amountandyou do not pay we may reportyou as delinquent. NOTICEABOUTELECTRONIC CHECKCONVERSION. Whenyou providea checkas payment,you authorizeus either to use informationfromyour HOWTOAVOIDPAYINGINTEREST.Yourdue date is at least25 daysafter checkto makea one-timeelectronicfund transferfrom youraccountor to the closeof each billing cycle. Wewill not chargeyou intereston purchases processthe paymentas a checktransaction.Whenwe use informationfrom if you payyourentire balanceby the due date eachmonth.Wewill beginto yourcheckto makean electronicfund transfer,funds may be withdrawn chargeintereston newpurchasesmadeundera LowAPR,EqualPayment fromyouraccountas soonas the sameday we receiveyour payment,and or BudgetPaymentCredit Planfrom the date of purchase. you will not receiveyourcheck backfromyourfinancial institution. BALANCECOMPUTATION METHOD.Wecalculate interestseparatelyfor eachtypeof balanceon youraccount using a "Daily Balance" to determine interestchargesfor each billing period.Wefigure the interestchargeon youraccount by applyingthe periodicrateto the "daily balance" of your accountfor each day in the billing cycle. Toget the "daily balance" we take the beginningbalanceof youraccounteach day, add any new purchasesand fees, and subtract any paymentsor credits (treatingany net credit balanceas a zerobalance).Thisgivesus the daily balance. PAYMENTS.PayyourAccountby the paymentdue date by the time listed below.If wedo not receiveyour paymentin a correctformat (outlined below)it may not be creditedto yourAccountfor up to five days,or may be rejected.Also,your paymentmustreachus by the paymentcutoff time that appliesto the paymentmethodyou select. CorrectFormat.Correctformatfor different paymentmethodsinclude: Mailing or Overnight:Senda personalcheck, moneyorder,traveler'scheck or cashier'scheck payablein U.S.dollars, to the nameand addressshownon this Statementin the paymentstub areacontainingyour balanceand minimumpaymentamount.Besureto includeyour paymentstub, do not stapleor clip your paymentto the stub, includeyouraccountnumberon your check, usethe envelopeprovidedwith your Statement,sendone paymentwith one paymentstub and do not sendany correspondencewith your payment.Youshouldovernighta paymentto 3000 KellwayDrive,Suite 120 Carrollton,TX 75006 and the additional format requirementsarethe sameas other mailed paymentsunlessthere is a dispute, in which caseyou follow the Payments Marked"Paid In Full" sectionabove.Donot sendcashor gift certificates. PayBy Phone:Youcan call us toll free at 1-888-566-4353 (TDD/TTY 1-888-819-1918)to makea paymentby telephone,which may includea fee. Online:Youcan makea paymentonline at comenity.net/biglots. PaymentCutoffTimes.Paymentcutoff times/deadlinesfor us to receivepaymentsare by the due date on this Statementin the paymentstub areaat the following times: Mailing and Overnight:By 6:00 pm EasternTime (ET);PayBy Phone:By 6:00 pm (ET); Online: By 6:00 pm (ET). New Information Title (optional) First Name MI Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box City State Zip Code Foreign Map Code Home Phone Work Phone Email Address 6 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 INDEX 06:19 NO. PM EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 ............................................................................................................................................................................................................... PAGE3 OF 4 Detailsof your plans 001-00002 Purchases prior to Mar 31, 2021 ORIGINAL ORIGINAL PREVIOUS TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEWPLAN PLAN ACCRUED AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE MINIMUM INTEREST N/A N/A NONE 233.96 6.03 0.00 239.99 9.00 0.00 001-00003 Purchases ORIGINAL ORIGINAL PREVIOUS TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEWPLAN PLAN ACCRUED AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE MINIMUM INTEREST N/A N/A NONE 509.82 401.52 0.00 911.34 32.00 0.00 406-00003 PromotionalTransactionshave endedduringthis billing period. These transactionsare now included in your currentbalanceand minimum payment due. ORIGINAL ORIGINAL PREVIOUS TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEWPLAN PLAN ACCRUED AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE MINIMUM INTEREST $293.73 05/30/2021 11/30/2021 293.73 54.20 347.93 0.00 0.00 0.00 Additional important messages EffectiveFebruary 2,2022, thecutoff times forpayments tobe creditedon the same day when the payments are made over the phone and onlineare changing. Telephone and online Account Center payments made by 5:00 pm Eastern Time willpost on the same day. Please see the information provided on the back of the first page of your statement for more detailsabout payment cutofftimes. IMPORTANT INFORMATION ABOUT LATE FEE CREDITS We may occasionally provide a creditforthe amount, part orall,ofa late feecharged to your account. If we do,we willcharge a feeof up to $40.00 for any subsequent latepayment. In addition,we may reverse the creditand repost the charge to your account if youfailtomake the minimum payment due on or before the due date in thenext billingperiod. Important Reminder: Promotional plan expiration dates and payment due dates may be different. If youhave a remaining promotional plan balance afterthe expiration date,you willsee the balance and any accrued interest(ifapplicable) has been moved to your regular revolving plan on the statement billing followingthe change. How to avoidor minimize interestcharges: Be sure topay promotional plan balances in full on or before the expiration date(s).Please keep an eye out fornotificationswhen your plans are nearing their expiration dates - you'llsee them in thered box on page 1 ofyour statement. If youhave questions, please callus at toll-free 1-888-566-4353 (TDD/TTY: 1-888-819-1918). To learn more about how promotional plans work, visitComenity.com/financial-education. We're always happy to help. Account Questions? Need to make a payment? Visitcomenity.net/biglots or call1-888-566-4353 (TDD/TTY 1-888-819-1918). Want tostay in the know with credittipsand news? Visitus at facebook.com/askcomenity or attwitter.com/askcomenity. Protect yourself against mail and phone consumer fraud. http://about.usps.com/publications/pub281/welcome.htm 7 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 INDEX 06:19 NO. PM EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 PAGE4 OF 4 8 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 06:19 PM INDEX NO. EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 EXHIBIT “B” (LAST USE OF CARD STATEMENT/ BALANCE) Matter #: 478865 S_EXH-LPAM 9 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 INDEX 06:19 NO. PM EF2023-1017 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 01/10/2023 You want it? You got it. With your Big Lots Credit Card! Use it in stores and on BigLots.com for everything from furniture and mattresses to home essentials and food. Go ahead and swipe-it's simple! PAGE 1 OF 4 Summary of account activity Payment information Account no. ****-****-****-8404 New balance $165.43 Minimum payment due $29.00 Previousbalance $195.43 Payment due date 06/17/2021 Payments -30.00 Late payment warning: Othercredits 0.00 If we do not receive your minimum payment by 06/17/2021you may Purchases 0.00 have to pay up to a $40.00 late fee. Otherdebits 0.00 .................................................................................................................... Fees charged 0.00 Minimum payment warning: If you make only the minimum Interest charged 0.00 payment for each in interest you will pay more and it will take period, New balance $165.43 you longer to pay off your balances.For example: Past due amount 0.00 If youmake no additional You willpay off And you will Creditlimit $750.00 charges usingthiscard the balanceshown end up payingan Availablecredit $584.57 and each month you pay: on the statement estimatedtotal Statement date 05/22/2021 in about: of: closing Days in billing cycle 31 Only the minimumpayment 8 months $222 For information credit regarding counselingservices, call1-800-284-1706. WARNING: PromotionalPlan(s)ENDING SOON! You must pay yourPlan 406-00002 balanceof $165.43 in full by Jun 25, 2021 to avoid payingaccrued interest charges.PLUS - If you have other purchasesor promotionalbalanceson your account, you also will need to pay your Minimum payment by thePayment due dateshown on this statement. The address for mailed paymentshas changed.The new address is reflected at thebottomof this statement. billing Account Questions?Need to make a payment?Want to know how to go paperless? Visit comenity.net/biglots or call1-888-566-4353 (TDD/TTY 1-888-819-1918). If you returned an item that was on a promotionalplan and have questions with how the return was appliedto your account,please call us. Skipsigningin to pay and use Comenity's EasyPay.It'ssafe and convenient. Use your smartphonecamera or code reader to scan the QR code printedon yourpayment stubbelow to get started. Details of your transactions TRANS DATE TRANSACTIONDESCRIPTION/LOCATION AMOUNT 05/15/2021 PAYMENT - THANK YOU -30.00 .......................................................................................................................................................................................................... Fees Totalfees charged forthisperiod $0.00 .......................................................................................................................................................................................................... Interest charged Interestchargeon purchases $0.00 Totalinterestforthisperiod $0.00 2021 totalsyearto date Total fees charged in 2021 $0.00 Totalinterest charged in 2021 $0.00 NOTICESeereversesidefor importantinformation. Please tear at perforation above Account number ****-****-****-8404 New balance Minimum payment GB S g. $165.43 $29.00 99 3 Mailed paymentsmust reach us by 6pm ET Yes, I have moved or updated my Amount on 06/17/2021. e-mail address - see reverse. enclosed: $ Please make check payable to: up |m||ql|il|illInlH I I I"I P I HI Please return this portion along with your payment to: TABATHA L MILLER 2735 PINE RIDGE RD PO BOX 650967 CANASTOTA NY 13032-4670 DALLAS TX 75265-0967 10 of 16 FILED: MADISON COUNTY CLERK 01/10/2023 INDEX 06:19 .. - NO. PM EF2023-1017 NYSCEF DOC. NO. 1 e a RECEIVED NYSCEF: 01/10/2023 .............................................................................................................................................................................................................. Keepthis portionfor your records. CREDITREPORTING.We may reportinformationaboutyouraccountto WhatToDo If YouThink YouFindA MistakeOn YourStatement credit bureaus.Late payments,missedpayments,or otherdefaultson your . account may be reflected in yourcredit report. If you think there is an erroron your statement,write to us at: Comenity Capital BankPOBox 182620, Columbus,Ohio43218-2620. NOTICEOFCREDITREPORTDISPUTES In your letter, give us the following information: If you believethe accountinformationwe reportedto a consumerreporting " Accountinformation:Yournameand accountnumber. agencyis inaccurate,you maysubmit a direct dispute to ComenityCapital " Dollaramount:Thedollar amountof the suspectederror. BankPOBox 182120, Columbus,Ohio43218-2120. Yourwritten dispute " mustprovidesufficient informationto identify the accountand specifywhy Descriptionof Problem:If you think there is an erroron your bill, the informationis inaccurate: describewhatyou believeis wrongand whyyou believeit is a mistake. " AccountInformation:Yournameand accountnumber " Youmustcontact us within 60 daysafter the errorappearedon your ContactInformation:Youraddressand telephonenumber statement. . DisputedInformation:Identify the accountinformationdisputedand explain whyyou believeit is inaccurate Youmust notify us of any potentialerrorsin writing.You maycall us, but if " SupportingDocumentation:If available,providea copy of the sectionof you do weare not requiredto investigateany potential errorsandyou may haveto pay the amountin question. the credit reportshowingthe accountinformationyou are disputing Whilewe investigatewhetheror not there hasbeenan error, the following