Preview
FILED: WARREN COUNTY CLERK 06/19/2023 03:22 PM INDEX NO. EF2023-71462
SUPREME
NYSCEF DOC. COURT
OF THE STATE OF NEW YORK
NO. 1 INDEX # RECEIVED NYSCEF: 06/19/2023
COUNTY OF WARREN SUMMONS
_______________________________________________x
ABSOLUTE RESOLUTIONS INVESTMENTS, PLAINTIFF'S ADDRESS
LLC Plaintiff, 8000NORMAN CTR DR350
BLOOMINGTON MN 55437
-against- X
DEFENDANT'S ADDRESSES
MARY HUGHES MABB 273 STATE ROUTE 149
Defendant(s). LAKE GEORGE NY 12845-3506
_______________________________________________x
CONSUMER CREDIT TRANSACTION
THE BASIS OF THE VENUE IS:
A DEFENDANT RESIDES IN THE COUNTY OF WARREN
THE TRANSACTION TOOK PLACE IN THE COUNTY OF WARREN
TO THE ABOVE NAMED DEFENDANT(S): MARY HUGHES MABB
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 THE SERVICE IS COMPLETE IF THIS
SUMMONS IS NOT PERSONALLY DELIVERED TO YOU WITHIN THE STATE OF NEW YORK).
UPON YOUR FAILURE TO ANSWER, JUDGMENT WILL BE TAKEN AGAINST YOU FOR THE
RELIEF DEMANDED IN THE COMPLAINT, TOGETHER WITH THE DISBURSEMENTS OF
THIS ACTION.
DATED THE 2 DAY OF JUNE , 2023
FORSTER & GARBUS LLP
FILE NO. ATTORNEY(S) FOR PLAINTIFF
RZP4802V147681 2950 EXPRESS DR S, SUITE 100
ISLANDIA, NY 11749
(631) 393-9400
NOTE: THE LAW PROVIDES THAT:
(A) IF THIS SUMMONS IS SERVED BY ITS DELIVERY TO YOU PERSONALLY WITHIN
THE COUNTY OF WARREN YOU MUST APPEAR AND ANSWER WITHIN 20 DAYS AFTER
SUCH SERVICE: OR
(B) IF THIS SUMMONS IS SERVED BY DELIVERY TO ANY PERSON OTHER THAN YOU
PERSONALLY, OR IS SERVED OUTSIDE THE COUNTY OF WARREN , OR BY PUBLI-
CATION, OR BY ANY MEANS OTHER THAN PERSONAL DELIVERY TO YOU WITHIN THE
COUNTY OF WARREN YOU ARE ALLOWED 30 DAYS AFTER SERVICE IS COMPLETE
WITHIN WHICH TO APPEAR AND ANSWER.
ORIG CRED: SYNCHRONY BANK
ORIG ACCT# END IN: 8013
RZP4802V147681 1 of 11
Page 1 of 3
FILED: WARREN COUNTY CLERK 06/19/2023 03:22 PM INDEX NO. EF2023-71462
SUPREME
NYSCEF DOC. COURT
OF THE STATE OF NEW YORK
NO. 1 RECEIVED NYSCEF: 06/19/2023
COUNTY OF WARREN
_______________________________________________x
ABSOLUTE RESOLUTIONS INVESTMENTS, COMPLAINT
LLC Plaintiff,
-against-
MARY HUGHES MABB
Defendant(s).
_______________________________________________x
PLAINTIFF, BY ITS ATTORNEY(S), COMPLAINING OF THE DEFENDANT(S), UPON
INFORMATION AND BELIEF, ALLEGE:
1. THAT THE DEFENDANT(S) RESIDES IN THE COUNTY IN WHICH THIS ACTION IS
BROUGHT; OR THAT THE DEFENDANT(S) TRANSACTED BUSINESS WITHIN THE COUNTY
IN WHICH THIS ACTION IS BROUGHT IN PERSON OR THROUGH HIS/HER AGENT AND
THAT THE INSTANT CAUSE OF ACTION AROSE OUT OF SAID TRANSACTION.
2. ON INFORMATION AND BELIEF THE DEFENDANT IN PERSON OR THROUGH
AN AGENT MADE PURCHASES UNDER A CREDIT AGREEMENT
AT DEFENDANT'S REQUEST - A COPY OF WHICH WAS FURNISHED TO
DEFENDANT. PLAINTIFF, AS PURCHASER OF THIS ACCOUNT, WHICH WAS ORIGINALLY
OWNED BY THE BELOW CREDITOR, PURCHASED IT FOR VALUE. THE DEFENDANT WAS NOTIFIED
OF SAME.
3. THERE REMAINS AN AGREED BALANCE ON SAID ACCOUNT OF $ 1,737.02 ,DUE AND
OWING ON PLAINTIFF'S CAUSE OF ACTION. NO PART OF SAID SUM HAS BEEN PAID ALTHOUGH
DULY DEMANDED.
4. DEFENDANT(S) IS IN DEFAULT AND DEMAND FOR PAYMENT HAS BEEN MADE.
5. A COPY OF THE CONTRACT OR OTHER WRITTEN INSTRUMENT UPON WHICH THIS ACTION
IS BASED IS ATTACHED HERETO.
6. THE BALANCE DUE IS ITEMIZED AS FOLLOWS:
a) The amount of debt at charge off $ 1,737.02
b) The total amount of interest after charge off $ .00
c) The amount of charges or fees after charge off $ .00
d) The amount of payments and/or credits after charge off $ .00
7. THE CHAIN OF TITLE IS AS FOLLOWS:
Original creditor date assigned/sold 01/15/2022 and amount due at time of
sale/assignment $ 1,737.02
to: ABSOLUTE RESOLUTIONS INVESTMENTS, LLC
8. THE FOLLOWING IS INFORMATION ABOUT THE ACCOUNT:
DATE OF LAST PAYMENT 04/09/2021
AMOUNT OF LAST PAYMENT $ 50.00
ORIGINAL ACCOUNT NUMBER ENDING IN: 8013
ORIGINAL CREDITOR: SYNCHRONY BANK
9. ON INFORMATION AND BELIEF, THE CAUSE(S) OF ACTION ASSERTED HEREIN ARE NOT
OUTSIDE OF THE APPLICABLE STATUTE OF LIMITATIONS.
THERE IS NOW DUE PLAINTIFF FROM DEFENDANT(S) THE AMOUNT SET FORTH IN THE
COMPLAINT, NO PART OF WHICH HAS BEEN PAID, ALTHOUGH DULY DEMANDED.
RZP4802V147681 2 of 11
Page 2 of 3
FILED: WARREN COUNTY CLERK 06/19/2023 03:22 PM INDEX NO. EF2023-71462
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 06/19/2023
WHEREFORE, PLAINTIFF DEMANDS JUDGMENT AGAINST THE DEFENDANT(S) FOR THE SUM OF
$ 1,737.02 TOGETHER WITH THE DISBURSEMENTS OF THIS ACTION.
Tess E Gunther Michael Florio Joel D. Leiderman
WE ARE DEBT COLLECTORS; ANY FORSTER & GARBUS LLP
INFORMATION OBTAINED WILL BE USED ATTORNEY(S) FOR PLAINTIFF
IN ATTEMPTING TO COLLECT THIS DEBT. 2950 EXPRESS DR S, SUITE 100
ISLANDIA, NY 11749
DATED: THE 2 DAY OF JUNE , 2023
PURSUANT TO PART 130-1.1-a OF THE RULES OF
THE CHIEF ADMINISTRATOR THIS SIGNATURE
APPLIES TO THE ATTACHED SUMMONS AND
COMPLAINT
RZP4802V147681 3 of 11
Page 3 of 3
FILED: WARREN COUNTY CLERK 06/19/2023 03:22 PM INDEX NO. EF2023-71462
NYSCEF DOC. NO. 1 8013" synchrony® RECEIVED NYSCEF: 06/19/2023
AccountNumbe nd1nI
f
MMBE REEEEENBEEEfMEMEBENMEE
Payment Information
NewBalance: $0.00 Paymentsmustbereceived by5pmETon
AmountPastDue: $0.00 12/02/2021
if mailed,or by 11:59pm
ETon
TotalMinimumPaymentDue: $619.00 12/02/2021
foronlineandphonepayments.
PaymentDueDate: 12/02/2021 Visitusatsyncbank.com/amazon
orCall
1-866-771-1104.
LatePayment Warning:IfwedonotreceiveyourTotalMinimum
Payment
DuebythePayment DueDatelistedabove,youmayhaveto paya latefee
upto$40.00.
Account Summary
PreviousBalance asof 11/03/2021 $1,697.02 CreditLimit $1,300
OtherCredits - 1,737.02 Available
Credit $0
FeesCharged + 40.00 Rewards Summary
NewBalance asof 11/30/2021 $0.00 RaurÃŽ EamM YTD M-'9
28 DayBillingCyclefrom11/03/2021
to 11/30/2021 e He:::A D I
Rewards Detail
RewardsEarnedYTD $8 Ama-c 1P n Oare rn ar ear . Bad 1P'iaible
PreviousRewardsBalance $0 na Aman o:nm pshases unnalsoparnRonusRewanis
+ 5% RewardsEarned $3 u asim o na a
+ BonusRewardsEarned $0.00
- RewardsRedeemed $0 na vs arwnn enmor www ynchankan ama
+/- Adjustments $J.ua to itde m a as e ewa o e uetals at a um
= CurrentRewardsBalance $0.00 5 proaram. s .9amarnnenmsteward.
.m.., ,,00,chiuo far . m dcst t mentcreditenra'| a
C. m 1 -T . I-
-in-r-7-· - IPif-:..R .r t..il
table Peasecheckthe Tra1sactionActivity or full
5484 GFJ 1 3 1 211130 ZXPAGE
1 of 3 9342 1100 APS6 01NX5484
Useblueorblackink, AccountNumber 8013
detach& mallwithyour NewBalance $0.00
check. TotalMInlmumPaymentDue $619.00
PaymentDueDate 12/02/2021
Amount
Amount Overlimit Enclosed
PastDue Amount
$0.00 $0.00 please.
Noothercorrespondence
Printnewaddressoremailchangesonback.
MARYHUGHESMABB
273STATEROUTE149
LAKEGEORGENY12845-3506 MakeSYNCHRONY BANK/AMAZON
PaymentPOBOX960013
to: ORLANDO,
FL32896-0013
4 of 11
FILED: WARREN COUNTY CLERK 06/19/2023 03:22 PM INDEX NO. EF2023-71462
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 06/19/2023
Customer Service: Foraccount Information, callthenumber onthefmntofthisstatement. ForHearing orSpeech useaTRS.Unless
disabilities,
vourname islistedonthisstatement, youraccess toinformation ontheaccount maybelimited.You mayalsomailquestions (butnotpayments) to:P.O. Box
965013, Orlando, FL32896-5013. Please include youraccount number onanycorrespondence yousendtous.
Payments: Send payments totheaddress listed ontheremit podian ofthisstatement orpayonline.
Notice:Seebelow foryourBilling Rights andotherimportant information.Telephoning about billingerrors willnotpreserve yourrights under federal law.To
preserveyourrightsplease writetoourBilling InquiriesAddress P.O. Box965016, Onando, FL32896-5016.
Purchases, retums, andpayments made justpriortobilling datemaynotappear untilnextmonth's statement. When youprovide acheck aspayment, you
authorize useither touseinformation fromyourcheck tomake aone-time cicctronic fundtransfer fromyouraccount ortoprocess thepayment asacheck
transaction.When weuseinformadon fromyourcheck tomake anelectronic fundtransfer, fundsmaybewithdrawn fromyouraccount assoonasthesame
daywereceiveurpayment, andyouwillnotreceive yourcheck back fromyourfinancial institution. Youmaychoose
- nottheenclosed
nottohaveyourpayment collected
electronicallysending yourpayment (withthepayment stub),inyourownenvelope window envelope, addressed to:P.0.Box
530993, Atlan , GA30353-0993 andnotthePayment Address.
WhatToDoIfYouThinkYouFIndAMistake OnYourStatement point, ifwethinkyouoweanamount andyoudonotpaywemayreport you
Ifyouthink there isanerroronyourstatement, writetousattheBilling Inquiries asdelinquent.
Address of: information AboutPayments: Youmayatanytimepay,inwhole orinpart
Synchrony Bank,P.O.Box965016, Orlando, FL32896.5016 thetotalunpaid balance without a additenal charge for epayment.
Inyourletter, giveusthefollowing information: Payments received after5:00p.m.( onanydaywillbecr itedasofthe
" Accountinformabon: Your name andaccount number, nextdayCredit toyourAccount mayedela d uptofivedaysifpayment
" Dollar amoune Thedollaramount ofthesuspected enor, (a)isnotreceived atthePayment Address, isnotmadeinU.S.dollars
. Descriptbn ofRoblem: Ifyouthinkthere isanerror onyour billdescnbewhat you drawn onaU.S.financial institution
located int U.S.. isnotaccompanied
believeEwrong andwhyyoubelieve itisamistake.You must contactuswithin theremittance
60 by payment coupon attached toyour statement,contains more than
days after
theerrorappeared onyour statement. one orremittance coupon, or(e)includes sta , paper clips, tape,a
Youmustnotify usofany,potential errors inwriting. folded
Youmaycallus,butifyou communicat check, orcorrespondence ofany type. ConditionalPayments: AIIwritten
dowearenotrequired toinvestigate potential errorsand you have t o onsconceming disputed amounts, includingany check orother
any may payment Instrument that:(1)indicatesthatthepayment constitutes 'payment in
theamount inquestion full'
oristendered asfullsatisfacdon ofadisputed or(ii)istende ed
ileweinvestigate whether ornottherehasbeen anerror, thefollowingare ('Dsputed amount;
t . with other conditions orlimitations Payments"), must bemailed or
. Wecannot thearnount inquesdon, orreport onthat delivered tousatP.O. Box965016, Orlando, FL32896-5016.
trytocollect youasdelinquent
Credits ToYourAccountAnamount shown inparentheses orpreceded
amount by
. Thecharge Inquestion remain on rstatement. and we c ondnue to aminus (-) sgnisacredit orcredit balance unless otherwise
indicated. Credits
may may willb eapplied toyour p reviousbalance immediately upon remipt, butwillnot
chage youinterestonthatamount. But determine thatwemade amistake,
youwillnothave topaytheamountin question oranyinterest
orotherfeesrelated satisfy anyrequired payment thatmaybedue.
tothatamount. CreditReports AndAccountInformation: If youbelieve thatwehave
. Whle udonothave topaytheamount inquesdon, youareresponsibleforthe reported inaccurate information about youtoa consumer reporting agency,
remainderofyour balance. please c ontact usatP.0.Box 965015, Orlando, FL32896-5015. Indoing
. Wecanapply unpaid amountagainst your credt limt. so, please identify theinaccurate information andtelluswhyyoubelieve itis
any
ourRights IfYouAreDissatisfied Withhur CreditCardPurchases Incorrect. Ifyouhavea copyofthecredit
please nclude
report
a copyofthatrepod.
thatincludes
Wemayreport
theinaccurate
information
Ifyouaredissatisfied withthegoods orservices thatyouhavepurchased nformation,
with aboutouraccount
ourcredit tocreditbureaus. Latep yments, missed payments, or
card,andyouhavetriedingoodfaithtocorrect theproblem with
merchant, youmayhavetherightnottopaytheremaining amount dueon e a son urac un mayberete Inyourcredit report.
Tousethisright, allofthefollowing mustbetrue: Dail Balance Method: Wefiguretheinterest charge onyouraccount by
1.Thepurchase must have beenmade inyourhome stateorwithin100miles of ap Ingthepenodic ratetothe"daily balance ofyouraccount foreachday
ourcurrent and the purchase price m ust
have b een
m t
ore han n balance"
billing cycle. Wethen add theinterest tothe balance.
daily Togetthe
mailingaddress, ofyouraccount each
50.Nole:Neither ofthese arenecessary ifyourpurchase wasbased daily
onan ncludes wetakethebeginning balance day(which
advesement wemailed toyou,orifweown thecompany that
sold youthegoodssubtract unpaid intemst), addanynewcharges, andapplicable fees,and
orserVICBS.) any payments orcredits. This gwes u sthe dailybalance. Anydail
2.You must have usedurcredt cardforthepurchase. Purchases madewthcashbalance oflessthanzerowillbetreated aszero. Asearate dailybalance wiI
advances fomanAT orwithacheck thataccesses yourcedtcaMaccount becalculated
do theInterest foreach balance peonyour account. he balance(shown in
Charges secdon of hisstatement isthesumofthedal balances
3. u ustnotyethave padforthepurchase. foreach day inthe cycle
billing d ividedby the number ofdays i nthe llingcycle.
fully
Ifallofthecriteriaabove aremetand youarestilldissatisfied withthepurchase, Wewillnotcharge youanyinterest onpurchases ifyoupayyourentire balance
contact usinwritinr at:Smchron ' Bank b theduedateeachmonth. Please refertotheduedateshown onthefront
P.0.Box965016,rlando, FL32896.5016 o yourstatement.
While weinvestigate,thesame rulesapply tothedisuted amount asdiscussed hur Account isowned andserviced bySynchrony Bank.
above. Afterwefinishourinvestigation, wewillteI youourdecision. Atthat
[WF1993452E] - 1- 04/21/20
01NX5484
Notice:
Bankruptcy Ifyoufilebankruptcy,
youmustsendusnotim,including
account
number
andallinformadon
related
totheproceeding
tothefollowing
address:
SynchmnyBank,Attn:Bankruptcy P.0.Box965065,
Dept., Orlando,FL32896-5065.
Thisisanattempt adebtandanyinformation
tocollect willbeusedforthatpurpose.
obtained
*Byprovidinatelephonenumberonyouraccount,
youconsenttoSynchronyBank andanyotherowner orservicer
ofyouraccount
contactin
youabout
your
Incuding
account, anycontact
using information
orcellphone
numbers andyouconsent
youprovide, totheuseofanyautomatic diaIngsystem
telephone and/
oranartificial
orpreecordedvoice
when you,evenifyouarecharged
contacting forthecallunder
yourphone plan.
Forchanges ofaddressphonenumberand/or please
emall. checktheboxandprintthechanges below.
Street
Address
City,State
ZIP
Phone #
Email
*Home
Phone
# *Business
Phone
# *Cell#orotherphone
# **Email
Address
wecanusetocontactyou
youremailaddress,
**Byproviding emailcommunications
youagreetoreceive aboutyouraccount
andalsogivepermission
forustoshareyour
emailaddress
withthenamedretailer
onthisaccount.
5 of 11
FILED: WARREN COUNTY CLERK 06/19/2023 03:22 PM INDEX NO. EF2023-71462
NYSCEF DOC. NO. 1 "L^'" synchrony® RECEIVED NYSCEF: 06/19/2023
anta on.com AccountN "^"'"n"n
/
M REEEERSHERMENEEEMBENMEE
Account Balance Summary
Payments
& Purchases, . . New
ruicilotie riev ou·' MmN
BalanceType m CMIM Nes & Ghem
DateAmount Balance ChargedM. Balances Balance
Total $1.697.02 $1.737.02 S40.00
Ifyouhavepromotional additional
balances, promotional
detailscanbefoundbelowinthePromotional
Purchase Summary.
* Expiredpromotional willdisplayinboththepromotional
balances balancerowduringthemonthof
andregularpurchases
expiration.
Transaction Detail
Date Reference
# Description Amount
OtherCredits -$1,737.02
11/30 F934200AE00999990 CHARGE
OFFACCOUNT-PRINCIPALS -$1,242.92
11/30 F934200AE00999990 CHARGE
OFFACCOUNT-INTEREST
CHARGE -$494.10
TotalFeesChargedThisPeriod $40.00
11/25 LATEFEE $40.00
TotalInterestChargedThisParlod $0.00
11/30 INTEREST
CHARGE
ONPURCHASES $0.00
2021Year-to-Date
FeesandInterest
Tr.alFeesChargea S3.B8N
Toal ne astDaid S1C118
Interest Charge Calculation
YourAnnualPercentageRate(APR)istheannualinterestrateonyouraccount. (v)= VariableRate
Typeof Expiratior1 Annual BalanceSubjectto Interest
Balance Date Percentage
Rate InterestRate Charge
P..:rchas¬s N 950 0 00 SO00
Cardholder News and Information
Statementnotprovidedtocustomer.
Youcanpayyourbillonlineoroverthephone.Wenoticedyou'vebeenenjoyingoureasypaperless payment options,sowewillno
longerbeincluding
retumenvelopes.Youcanmakethingseveneasierbyselectingthepaperless statement optiononyouraccount
onlInc.
NOTICE:We mayconvertyourpayment debit.Seebackofpageonefordetails,BillingRightsandotherimportant
intoanelectronic
Information.
I -1
5484 GFJ 1 3 1 211130 z xPAGE2 of 3 9342 1100 of 01NX5484
6 APS6 11
FILED: WARREN COUNTY CLERK 06/19/2023 03:22 PM INDEX NO. EF2023-71462
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 06/19/2023
EE REE8BE#NMMEMBEEiEEEEREME
5484 GFJ 1 3 1 211130 z XPAGE
3 of 3 9342 1100 of 01NX5484
7 APS6 11
FILED: WARREN COUNTY CLERK 06/19/2023 03:22 PM INDEX NO. EF2023-71462
NYSCEF DOC. NO. 1 S",ª"3" synchrony® RECEIVED NYSCEF: 06/19/2023
an1ayon.com
f
P ment Information
NewBalance: $1,262.60 Paymentsmustbereceived by5pmETon
TotalMinimumPaymentDue: $41.00 05/25/2021
if mailed,or by 11:59pm
ETon
PaymentDueDate: 05/25/2021 05/25/2021
foronlineandphonepayments.
orCall
Visitusatsyncbank.com/amazon
LatePaymentWarning:IfwedonotreceiveyourTotalMinimum
Payment 1-866-634-8379.
DuebythePaymentDueDatelistedabove,youmayhaveto paya latefee
upto$38.00.
MinimumPaymentWarning: Ifyoumakeonlytheminimum payment each
period,youwillpaymoreininterestanditwilltakeyoulongerto payoff
yourbalance.Forexample:
f yx inakera YæwIIsay Arc ye ril end
Onlytheminimum 5years $2,231.00
payment
$51.00 3years $1,831.00
(Savings= $400.00)
IfyouwouldIlkeinformation
about creditcounselingservices,call
1-877-302-8775.
Account Summary
PreviousBalance asof04102/2021 $1,258.76 CreditLImit $1,300
Payments - 50.00
Purchases/Debits + 26.17 Rewards Summary
InterestCharges + 27.67
NewBalance asof 05/02/2021 $1,262.60
Rena w YTD 9 9
31 DayBillingCyclefrom04/02/2021
to 05/02/2021
5484 GFJ 1 7 1 210502 PAGE
1 of 3 9342 1100 APS6 01NX5484
Saveastamp,Payon-lineat AccountNumber . ' ' 013
synobank.com/amazon. NewBalance , 62.60
TotalMInlmumPaymentDue $41.00
PaymentDueDate 05/25/2021
Amount
Enclosed
VIEW AND PAY YOUR BILL ONLINEl
syncbank .com/amazon
MARYHUGHESMABB
273STATEROUTE149
LAKEGEORGENY12845-3506 MakeSYNCHRONY BANK/AMAZON
PaymentPOBOX960013
to: ORLANDO,
FL32896-0013
8 of 11
FILED: WARREN COUNTY CLERK 06/19/2023 03:22 PM INDEX NO. EF2023-71462
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 06/19/2023
Customer Service: Foraccount Information, callthenumber onthefmntofthisstatement. ForHearing orSpeech useaTRS.Unless
disabilities,
vourname islistedonthisstatement, youraccess toinformation ontheaccount maybelimited.You mayalsomailquestions (butnotpayments) to:P.O. Box
965013, Orlando, FL32896-5013. Please include youraccount number onanycorrespondence yousendtous.
Payments: Send payments totheaddress listed ontheremit podian ofthisstatement orpayonline.
Notice:Seebelow foryourBilling Rights andotherimportant information.Telephoning about billingerrors willnotpreserve yourrights under federal law.To
preserveyourrightsplease writetoourBilling InquiriesAddress P.O. Box965016, Onando, FL32896-5016.
Purchases, retums, andpayments made justpriortobilling datemaynotappear untilnextmonth's statement. When youprovide acheck aspayment, you
authorize useither touseinformation fromyourcheck tomake aone-time cicctronic fundtransfer fromyouraccount ortoprocess thepayment asacheck
transaction.When weuseinformadon fromyourcheck tomake anelectronic fundtransfer, fundsmaybewithdrawn fromyouraccount assoonasthesame
daywereceiveurpayment, andyouwillnotreceive yourcheck back fromyourfinancial institution. Youmaychoose
- nottheenclosed
nottohaveyourpayment collected
electronicallysending yourpayment (withthepayment stub),inyourownenvelope window envelope, addressed to:P.0.Box
530993, Atlan , GA30353-0993 andnotthePayment Address.
WhatToDoIfYouThinkYouFIndAMistake OnYourStatement point, ifwethinkyouoweanamount andyoudonotpaywemayreport you
Ifyouthink there isanerroronyourstatement, writetousattheBilling Inquiries asdelinquent.
Address of: information AboutPayments: Youmayatanytimepay,inwhole orinpart
Synchrony Bank,P.O.Box965016, Orlando, FL32896.5016 thetotalunpaid balance without a additenal charge for epayment.
Inyourletter, giveusthefollowing information: Payments received after5:00p.m.( onanydaywillbecr itedasofthe
" Accountinformabon: Your name andaccount number, nextdayCredit toyourAccount mayedela d uptofivedaysifpayment
" Dollar amoune Thedollaramount ofthesuspected enor, (a)isnotreceived atthePayment Address, isnotmadeinU.S.dollars
. Descriptbn ofRoblem: Ifyouthinkthere isanerror onyour billdescnbewhat you drawn onaU.S.financial institution
located int U.S.. isnotaccompanied
believeEwrong andwhyyoubelieve itisamistake.You must contactuswithin theremittance
60 by payment coupon attached toyour statement,contains more than
days after
theerrorappeared onyour statement. one orremittance coupon, or(e)includes sta , paper clips, tape,a
Youmustnotify usofany,potential errors inwriting. folded
Youmaycallus,butifyou communicat check, orcorrespondence ofany type. ConditionalPayments: AIIwritten
dowearenotrequired toinvestigate potential errorsand you have t o onsconceming disputed amounts, includingany check orother
any may payment Instrument that:(1)indicatesthatthepayment constitutes 'payment in
theamount inquestion full'
oristendered asfullsatisfacdon ofadisputed or(ii)istende ed
ileweinvestigate whether ornottherehasbeen anerror, thefollowingare ('Dsputed amount;
t . with other conditions orlimitations Payments"), must bemailed or
. Wecannot thearnount inquesdon, orreport onthat delivered tousatP.O. Box965016, Orlando, FL32896-5016.
trytocollect youasdelinquent
Credits ToYourAccountAnamount shown inparentheses orpreceded
amount by
. Thecharge Inquestion remain on rstatement. and we c ondnue to aminus (-) sgnisacredit orcredit balance unless otherwise
indicated. Credits
may may willb eapplied toyour p reviousbalance immediately upon remipt, butwillnot
chage youinterestonthatamount. But determine thatwemade amistake,
youwillnothave topaytheamountin question oranyinterest
orotherfeesrelated satisfy anyrequired payment thatmaybedue.
tothatamount. CreditReports AndAccountInformation: If youbelieve thatwehave
. Whle udonothave topaytheamount inquesdon, youareresponsibleforthe reported inaccurate information about youtoa consumer reporting agency,
remainderofyour balance. please c ontact usatP.0.Box 965015, Orlando, FL32896-5015. Indoing
. Wecanapply unpaid amountagainst your credt limt. so, please identify theinaccurate information andtelluswhyyoubelieve itis
any
ourRights IfYouAreDissatisfied Withhur CreditCardPurchases Incorrect. Ifyouhavea copyofthecredit
please nclude
report
a copyofthatrepod.
thatincludes
Wemayreport
theinaccurate
information
Ifyouaredissatisfied withthegoods orservices thatyouhavepurchased nformation,
with aboutouraccount
ourcredit tocreditbureaus. Latep yments, missed payments, or
card,andyouhavetriedingoodfaithtocorrect theproblem with
merchant, youmayhavetherightnottopaytheremaining amount dueon e a son urac un mayberete Inyourcredit report.
Tousethisright, allofthefollowing mustbetrue: Dail Balance Method: Wefiguretheinterest charge onyouraccount by
1.Thepurchase must have beenmade inyourhome stateorwithin100miles of ap Ingthepenodic ratetothe"daily balance ofyouraccount foreachday
ourcurrent and the purchase price m ust
have b een
m t
ore han n balance"
billing cycle. Wethen add theinterest tothe balance.
daily Togetthe
mailingaddress, ofyouraccount each
50.Nole:Neither ofthese arenecessary ifyourpurchase wasbased daily
onan ncludes wetakethebeginning balance day(which
advesement wemailed toyou,orifweown thecompany that
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