Preview
FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023
EXHIBIT
FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023
CARECREDIT/SYNCHRONY BANK KAYLEENPEAT
AccountNumber: 7221
StatementClosingDate: 10/07/2022
PreviousBalance $2,207.12 NewBalance 30.00
+ NewPurchases $0.00 TotalMinimumPaymentDue $1,375.26
- Payments $0.00 PaymentDueDate 1049/2022
w- Credits,Fees& Adjustments
(net) ($2,207.12) pAYMENTDUEBY 6 P.M.EASTERNONTHEDUEDATE.
+/- InterestCharge 30.00
(net) Wemayconvertyourpaymentintoanelectronicdebit.See
NewBalance $0.00 reverseside.
CreditLimit $2,000.00
AvailableCredit $0.00 LatePaymentWerning: If wedo notreceiveyourTotal
DaysIn BARngPorted 30 MinimumPaymentDueby thePaymentDueDatelistedabove,
you mayhaveto pay a latefee up to S41.00.
Payonlinefor freeat: mysynchrony.com
PorSynchronyBankcustomerserviceor to reportyour
cardtost or stolen, call (1-866-893-7864).
- Friday.
Besttimesto callareWednesday
Promotional Promotional Deferred TranDate Description Initial
Expiration Balance InterestCharge Purchase
Date Amount
UNTil PAIDOFF $1,960.87 60.00 05/28/2021 FixedPaymentReducedApr $2,792.30
A summaryof yourpromotional
purchaseisprovidedabove.
Ifyouhavea DEFERRED INTEREST/NO INTERESTIFPAIDINFULLpromotion:ToavoidpayingDeferredInterestCharges
onthesepromotion(s),
youmustpaytheentireapplicablePromotionalBalanceby thePromotional ExpirationDate.Ona
FixedPayment(ExtendedPaymentPlan)promotional purchase,theinterestChargeis billedmonthlyandincludedaspartof
theMinimumPaymentdue.
TomakemorethanonepaymentseeMakePaymentToaddressor payonlineat mysynchrony.com.
* NOTICE:Seereversesideandadditional
pages(if any)for importantinformationconcemingyouraccount.
5302 DrH 1 J 6 221007 2XPAGE 1 of 3 9072 3B00 c6S7 01DG53D2
Payonline
atmysynchrony.com 1his
oronclose coupon
emyour
check.
Please
useblueorMack
ink
1375.25 $O.oo 1009/2022 $0.00 7221
PaymentEnclosed:
.
Newaddresscr e.mall? Payment
dueincludes
$0.00pastdue.Please
paythepastduearnount
PROMPTLY.
Checktheboxatleftand
printchangesenbadt
KAYLEENPEAT prig|.pgpgh.. .sigill..I|gpil...|.tpgipg{p|glygp|g
32MAXWELLRDAPT2
LATHAMNY 12110-5330 MakePaymentto:SYNCHRONYBANK
POBOX960061
FL32896-D061
ORLANDO,
"implipghlatipapg|n-ppghgigpghtilpinghip
Ipj
000000000½000 000000000000000 7 22½2
FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023
Customer Service:Foraccount in'ormat
on,callthenumbai onIkefrcntofths statement.ForHearing orSpeech useaTRS.
dsabilities,
U1less
yournameislistedone7iss:atement, youraccess10information ontheaccount reaybelirritedYoumayalsomailquestions (butno:
to:P.O.Box985033,
payments) Orlando, FL32896-5033. Please meludeyouraccounI mamber onanycorrespondence youseedtous.
Payments:Sendpayments totheacdress Ested
or theremittance couponportio7ofthisstatementorpayorlineatwwwnvsyncarony,com.
OvemkhtPayments: Paymentscannot bemade b persor;
mailpayments tosynchrony Bank,140Wekiva SprirgsRoad,Longwood.FL32779.
Notice:Seebe,owforyourBillingRigalsandotherimportarI informat
on.Telephoningaboutbillingerrorswillnotpreserve
yourrightsunder
federal
law.Topreserveyourrighls,pleasewntetoourBillingInquiries
Address,PO.Box965035, Orlando,FL32896-5035.
PHchases, retums andpayments inadeputariortobillingdatemayrot appear untilnextmonth s statement. Whenyoupro'ade a checkas
cayment, youauthorize useithertouseinformation fromyourcheck lomrkeaone-time electronic fundtransfer fromyouraccounior lopm:ess the
cayment asacheckt-ansactior When weusenformation fromyourche·±lotrakeanelecIrtnic fund"ransfer, funds·naybewithdawn fromycur
account assoonashesame daywereceive yourpayrr4mt andyouwillnctreceive yourcheck backfromyourlinancial insttution. Youmaychoose
nottohaveyourpayment collected "Iectmnically bysending yourpsymort(withtheremittance coupon) Inyourownenvelope - notthe
ænclosed remittance envelope, addressed to:POBoxS30960, Atlarh GA30363-0960 andnotthepayment addense.
WhatToDoIf YouThinkYouFindAMstakeOnYourStatement: ConditionalPayments- All writtencommunications concerning
Ifyouthin4lhereisanerroronyourstalement, writetousat dSPutedamounts.incit,ding anychock oro'herpaymentinstrument that
SYnchro "YBank,PO.Box965035. 01ando. FL32896-5035 (1)indcalesthalthepayment consttutes'payment infulforislendered
Inyour·etter giveusthefollowirg as'ullsatisfaction ofadisputed amount. or (ii) is tendered withother
mlormation corditorsor limitations
" Account FDisputed Payments"), mustbemailedor
imIrmation: Yournameandaccount number delivered tousat
" DollaramountThedollaramounI ofthesuspected error
" Desenption ofprobientif youthrk theres anerroronyourDin POBox965035, Orlando, FL32896-5035
describe whatyoubelieveis wrongandwhyyoubelieveit is CreditsToYour Account: Anamount shown inparenthesis isacredit
orcredt balance urdess otherwise md,cated. Credtswillbeapplied b
Youmus contactuswithm60 daysaftertheerrorappeared on your p revious balance immedalehr upon receipt, but w n
ill ot sausly any
yourslatement. required payment thatmaybedue
Youmustnotifyusofanypatential errorsinriting. Youmaycallus CreditReportsand AccountInformation:|r youbelievethat
butifyoudowearenotrequired toinvestigate
. anypotenlial errorsa7d we may havereportedmaccurate informahor aboutyou to a
youmayhavetopaytheamount mquestion. consumer-reporling agency. pleasecontact usa: 30 Box955036,
Whileweinveshgate Crlando, FL 32896-S036 indoing so,please identify theinaccurate
whether or nottherehasbeenanerror.the informaticn andtelluswhyyoubeheve
aretrue: itisincorrect. Ifyouhaveacopy
following ofthe creditreportthatincludes theinaccurate
" WecannottrytocollecttheamounI information, please
mquestion orreporlyouas include a copyofinatrepor1Wemayreportinformation aboulyour
delinquent onthatamount accoung to credt b ureaus. Late missed
" Thecharge payments, p ayments, orother
inquestion mayremain onyourstatement ardwemay defaults onyouraccount
conhnue locharge younlerest onthatamour.I. maybereflected inyourcreditreport.
Bul.ifwedetermmeflow WeCalculate laterest:Wefigune themterest charge onyour
thatwemadea mis'.ake, youwillnothaveto paythesmount in account balance'
question ora7yinbrestorotherfeesrelatedio oyapplyirg theperiode raletothe"daily ofyouraccount
thatamount ror each in the cycle.
" Whileyoudoral haveto paytheamount m question, youaro balance. day bilfmg
balance' Wethen acdtheinteresI tothe daily
responsib eforIneremainder ofyourbalance· Togetthe*daily wetakethebegoning ba:ance ofyour
" Wecanapplyanyunpaid amount acccort eachday(which ir.cludesunpad interest).add any new chames,
againstyourcredtImit andappicable
YourRightsWYou fees,andstbtract anypayments orcredis.Thispvesus
ArmDissatisfiedWlth YourCred|tCadPurchases thedai! balance.
If youaredissatislied w,lhthegoodsor servicesthatyouhave zeroAseparale Anydailybalance oflessthanzerowilbetreated as
purchased withyourcredilcard,andyouhavetriedmgoodfaithto youraccount dailybalar.ce webecalculilled foreachbeancetypeon
Thebalance(s) shown inineImerest Charges section ofthis
correct theproblem withtFemerchant youmayhavethenghtnot10 statemeni sthesumofthedailytabncesforeachdaynthebilfIgcycle
paytheremainirg amount dueanthepurchase. Tousethsright.allof a dedbythenumber ofdaysmthebills¶cycle.
thelollowmg mustbetrue
Bankruptcy Notlce:Ifyoulifebanksptcy youmuslsendusnotice,
1.Thepurchasemust havebeen madein yourhomeslateorw thin100mlesincludng accoJnt rumberanda!Iin'ormation related
o ourarranttrailngaddess. totheproceeding
andthepurchase pnce m sthave been lo thefollowir
morethan550.(Nok: dthesewe g address. Syrchrony Bank,Attn Bankruptcy Dept.,
Neilher necessary lyourpu'chase was P.O.Box965064, Orlando, FL32896-5064
basedon anadertisement wemaled loycu.orIweownthecompany
thdsoldycuthegoods orserka )
2.Youmusthaveusedycurcredtcardforthepurchase. Youraccount trownedandserviced bySynchrony8ank,
Purchases
madewithcashadvances fromanATMci witha checkthat
accesses yourcredilcardaccount donolqualif y Useof Information AboutYouand YourAccount:OurPrivacy
3.Youmus:not yethavefullypaidlorthepu·chase. Poicydescribes ourcollection arddsclosure ofinformation abou:yoa
Ifallofthecriteriaabove andyourAccount. IfyouwouldIkeanolher copyofthePrivacy Policy,
aremetancyouamstilldissatisted wilhthe please c allu satthe custome-
purchase.contact usinwritmg at servicelelephone number indcaled on
thefrontof'hisstatement.
Synchrony Sank
P.0Box965035, Orlanda, FL32896-5035
While wefrwestigate, thesameru;esapplytolbedisputec amount as
discussed aboveAfterweinishourinvestigation, wewilltellyouour
decision AIthatpont.ifwethmkyouoweanamount andyoudonot
paywemayreportyouasdelinquent.
Information AboutPapunents: Youmayat anytimepay,in wirele
orInpart,thetotefunpaidbalance widroutanyadditional charge
forprepayment Payments received after500PM(ET)onanydaywit
becredited esofthenextday.Credt!oyoursecount maybede;ayed
uptofivedaysifpaymert (a)isnotreceiveo st thepayment address,
(b)is notmadeInU.S.dollarsdrawnona U.Sfinancial astitution
located intheU.S.,(c)is notaccompanied by'heremittance coupon
attached toyov shtement. (d)contains moreIhanonepayment or
remittance coupon, (e) is notreceived in theremittance envelope
or
provided (f) includes staples, papercIps tape,a foldedcheckor
correspondence ofanytype
- 1-02/07/1a
01DGS302
Thisisanattemot
(ccol!ect
adebtandaryinformation
optained
willbeusedforthatpurpose.
a telephone
providing numberonyouraccounI youconsenttoSynchrony
Bankandanyotherowner orservicer
ofyouraccount
contacting
youaooutyouraccoung. usmganycontact
indudirg info*mation
orcellpnone
numbers youprovide,
andyouconsen!totheuseofanyautomatic
telephona system
dialing and/or orrerecorded
anartillcial voica
whencontacting
you,everifyouarecharged
forthecallunder
yourphone
plan
Forchanges
ofaddress
anderphone please
number, check
theboxandprint:hechanges
below.
Street
Address
City,State
ZIP
Phono #
‰ome
Phone
# 'Business
Phone
# *Cel#orotherphone
it
wecanusetocontact
you
youcanupdate
Remember, theabove
mformation
aswellasyouremaiaddress
online
atwwwmysynchrony.com.
FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023
TranDate PostDate ReferenceNumber Description Amount
10/07/2022 10/07/2022 F907200M800999990 CHARGEOFFACCOUNT-PRINCIPALS ($1,795.59)
10/07/2022 10/07/2022 F907200M800999990 CHARGEOFFACCOUNT-INTEREST ($179.53)
CHARGE
10/07/2022 10/07/2022 F907200M800999990 CHARGEOFFACCOUNT°FEE
CHARGEOFF' ($273.00)
FEES
10/01/2022 10/01/2022 LATEFEE $41.00
TOTALFEESFORTHISPERDD $41.00
INTERESTCHARGED
10/07/2022 10/07/2022 INTERESTCHARGEONPURCHASES SO.00
TOTALINTEREST
FORTHISPEROD 80.00
otalFeesChargedin 2022 $273.
otalinterestChargedin 2022 $231.
I InterestPaidin 2022 354.
ExpirationDate Annual BalanceSubjectto InterestCharge
Typeof Balance Percentage InterestRate
Rate(APR)
Purchases NA 26.99% $0.00 SD.00
FixedPaymentReducedApr UNTILPAIDOFF 14.90% $0.00 SD.00
Inordertoprotectyouraccountprivacy,weareunabletoprovideaccountinformation to anyoneotherthanthe cardholder(s)
or
anauthorizedparty.Ifyouwishto permitustospeaktoanauthorized partysuchas a spouseaboutyouraccount,pleasesend
writtenauthorization
to theGeneralInquiriesaddress.
Ifyouneedassistancewithan accommodation for yourstatements
and/oraccountletters,pleasecall800-292-7508.
IfyouneedtocontactSynchronyaboutthelossof a Synchrony youcansubmita deceasednotification
cardholder, form
underthe'ContactUs'page.
locatedatwww.syf.com
Youcanpay yourbillonlineor overthephone.Wenoticedyou'vebeenenjoyingoureasypaperlesspaymentoptions,sowe
willno longerbe includingretumenvebpes.Youcanmakethingseveneasierby selectingthepaperlessstatementoptionon
youraccountonline.
Statementnotprovidedto customer.
5302 DFH 1 3 5 221007 2XPAGE
2 or 3 9072 3B00 CGS701DG5332
FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023
5332 DF 1 3 6 221007 ZX?AGE
3 of 3 9072 3800 CéS701DG5302
Preview
FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023 EXHIBIT FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023 CARECREDIT/SYNCHRONY BANK KAYLEENPEAT AccountNumber: 7221 StatementClosingDate: 10/07/2022 PreviousBalance $2,207.12 NewBalance 30.00 + NewPurchases $0.00 TotalMinimumPaymentDue $1,375.26 - Payments $0.00 PaymentDueDate 1049/2022 w- Credits,Fees& Adjustments (net) ($2,207.12) pAYMENTDUEBY 6 P.M.EASTERNONTHEDUEDATE. +/- InterestCharge 30.00 (net) Wemayconvertyourpaymentintoanelectronicdebit.See NewBalance $0.00 reverseside. CreditLimit $2,000.00 AvailableCredit $0.00 LatePaymentWerning: If wedo notreceiveyourTotal DaysIn BARngPorted 30 MinimumPaymentDueby thePaymentDueDatelistedabove, you mayhaveto pay a latefee up to S41.00. Payonlinefor freeat: mysynchrony.com PorSynchronyBankcustomerserviceor to reportyour cardtost or stolen, call (1-866-893-7864). - Friday. Besttimesto callareWednesday Promotional Promotional Deferred TranDate Description Initial Expiration Balance InterestCharge Purchase Date Amount UNTil PAIDOFF $1,960.87 60.00 05/28/2021 FixedPaymentReducedApr $2,792.30 A summaryof yourpromotional purchaseisprovidedabove. Ifyouhavea DEFERRED INTEREST/NO INTERESTIFPAIDINFULLpromotion:ToavoidpayingDeferredInterestCharges onthesepromotion(s), youmustpaytheentireapplicablePromotionalBalanceby thePromotional ExpirationDate.Ona FixedPayment(ExtendedPaymentPlan)promotional purchase,theinterestChargeis billedmonthlyandincludedaspartof theMinimumPaymentdue. TomakemorethanonepaymentseeMakePaymentToaddressor payonlineat mysynchrony.com. * NOTICE:Seereversesideandadditional pages(if any)for importantinformationconcemingyouraccount. 5302 DrH 1 J 6 221007 2XPAGE 1 of 3 9072 3B00 c6S7 01DG53D2 Payonline atmysynchrony.com 1his oronclose coupon emyour check. Please useblueorMack ink 1375.25 $O.oo 1009/2022 $0.00 7221 PaymentEnclosed: . Newaddresscr e.mall? Payment dueincludes $0.00pastdue.Please paythepastduearnount PROMPTLY. Checktheboxatleftand printchangesenbadt KAYLEENPEAT prig|.pgpgh.. .sigill..I|gpil...|.tpgipg{p|glygp|g 32MAXWELLRDAPT2 LATHAMNY 12110-5330 MakePaymentto:SYNCHRONYBANK POBOX960061 FL32896-D061 ORLANDO, "implipghlatipapg|n-ppghgigpghtilpinghip Ipj 000000000½000 000000000000000 7 22½2 FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023 Customer Service:Foraccount in'ormat on,callthenumbai onIkefrcntofths statement.ForHearing orSpeech useaTRS. dsabilities, U1less yournameislistedone7iss:atement, youraccess10information ontheaccount reaybelirritedYoumayalsomailquestions (butno: to:P.O.Box985033, payments) Orlando, FL32896-5033. Please meludeyouraccounI mamber onanycorrespondence youseedtous. Payments:Sendpayments totheacdress Ested or theremittance couponportio7ofthisstatementorpayorlineatwwwnvsyncarony,com. OvemkhtPayments: Paymentscannot bemade b persor; mailpayments tosynchrony Bank,140Wekiva SprirgsRoad,Longwood.FL32779. Notice:Seebe,owforyourBillingRigalsandotherimportarI informat on.Telephoningaboutbillingerrorswillnotpreserve yourrightsunder federal law.Topreserveyourrighls,pleasewntetoourBillingInquiries Address,PO.Box965035, Orlando,FL32896-5035. PHchases, retums andpayments inadeputariortobillingdatemayrot appear untilnextmonth s statement. Whenyoupro'ade a checkas cayment, youauthorize useithertouseinformation fromyourcheck lomrkeaone-time electronic fundtransfer fromyouraccounior lopm:ess the cayment asacheckt-ansactior When weusenformation fromyourche·±lotrakeanelecIrtnic fund"ransfer, funds·naybewithdawn fromycur account assoonashesame daywereceive yourpayrr4mt andyouwillnctreceive yourcheck backfromyourlinancial insttution. Youmaychoose nottohaveyourpayment collected "Iectmnically bysending yourpsymort(withtheremittance coupon) Inyourownenvelope - notthe ænclosed remittance envelope, addressed to:POBoxS30960, Atlarh GA30363-0960 andnotthepayment addense. WhatToDoIf YouThinkYouFindAMstakeOnYourStatement: ConditionalPayments- All writtencommunications concerning Ifyouthin4lhereisanerroronyourstalement, writetousat dSPutedamounts.incit,ding anychock oro'herpaymentinstrument that SYnchro "YBank,PO.Box965035. 01ando. FL32896-5035 (1)indcalesthalthepayment consttutes'payment infulforislendered Inyour·etter giveusthefollowirg as'ullsatisfaction ofadisputed amount. or (ii) is tendered withother mlormation corditorsor limitations " Account FDisputed Payments"), mustbemailedor imIrmation: Yournameandaccount number delivered tousat " DollaramountThedollaramounI ofthesuspected error " Desenption ofprobientif youthrk theres anerroronyourDin POBox965035, Orlando, FL32896-5035 describe whatyoubelieveis wrongandwhyyoubelieveit is CreditsToYour Account: Anamount shown inparenthesis isacredit orcredt balance urdess otherwise md,cated. Credtswillbeapplied b Youmus contactuswithm60 daysaftertheerrorappeared on your p revious balance immedalehr upon receipt, but w n ill ot sausly any yourslatement. required payment thatmaybedue Youmustnotifyusofanypatential errorsinriting. Youmaycallus CreditReportsand AccountInformation:|r youbelievethat butifyoudowearenotrequired toinvestigate . anypotenlial errorsa7d we may havereportedmaccurate informahor aboutyou to a youmayhavetopaytheamount mquestion. consumer-reporling agency. pleasecontact usa: 30 Box955036, Whileweinveshgate Crlando, FL 32896-S036 indoing so,please identify theinaccurate whether or nottherehasbeenanerror.the informaticn andtelluswhyyoubeheve aretrue: itisincorrect. Ifyouhaveacopy following ofthe creditreportthatincludes theinaccurate " WecannottrytocollecttheamounI information, please mquestion orreporlyouas include a copyofinatrepor1Wemayreportinformation aboulyour delinquent onthatamount accoung to credt b ureaus. Late missed " Thecharge payments, p ayments, orother inquestion mayremain onyourstatement ardwemay defaults onyouraccount conhnue locharge younlerest onthatamour.I. maybereflected inyourcreditreport. Bul.ifwedetermmeflow WeCalculate laterest:Wefigune themterest charge onyour thatwemadea mis'.ake, youwillnothaveto paythesmount in account balance' question ora7yinbrestorotherfeesrelatedio oyapplyirg theperiode raletothe"daily ofyouraccount thatamount ror each in the cycle. " Whileyoudoral haveto paytheamount m question, youaro balance. day bilfmg balance' Wethen acdtheinteresI tothe daily responsib eforIneremainder ofyourbalance· Togetthe*daily wetakethebegoning ba:ance ofyour " Wecanapplyanyunpaid amount acccort eachday(which ir.cludesunpad interest).add any new chames, againstyourcredtImit andappicable YourRightsWYou fees,andstbtract anypayments orcredis.Thispvesus ArmDissatisfiedWlth YourCred|tCadPurchases thedai! balance. If youaredissatislied w,lhthegoodsor servicesthatyouhave zeroAseparale Anydailybalance oflessthanzerowilbetreated as purchased withyourcredilcard,andyouhavetriedmgoodfaithto youraccount dailybalar.ce webecalculilled foreachbeancetypeon Thebalance(s) shown inineImerest Charges section ofthis correct theproblem withtFemerchant youmayhavethenghtnot10 statemeni sthesumofthedailytabncesforeachdaynthebilfIgcycle paytheremainirg amount dueanthepurchase. Tousethsright.allof a dedbythenumber ofdaysmthebills¶cycle. thelollowmg mustbetrue Bankruptcy Notlce:Ifyoulifebanksptcy youmuslsendusnotice, 1.Thepurchasemust havebeen madein yourhomeslateorw thin100mlesincludng accoJnt rumberanda!Iin'ormation related o ourarranttrailngaddess. totheproceeding andthepurchase pnce m sthave been lo thefollowir morethan550.(Nok: dthesewe g address. Syrchrony Bank,Attn Bankruptcy Dept., Neilher necessary lyourpu'chase was P.O.Box965064, Orlando, FL32896-5064 basedon anadertisement wemaled loycu.orIweownthecompany thdsoldycuthegoods orserka ) 2.Youmusthaveusedycurcredtcardforthepurchase. Youraccount trownedandserviced bySynchrony8ank, Purchases madewithcashadvances fromanATMci witha checkthat accesses yourcredilcardaccount donolqualif y Useof Information AboutYouand YourAccount:OurPrivacy 3.Youmus:not yethavefullypaidlorthepu·chase. Poicydescribes ourcollection arddsclosure ofinformation abou:yoa Ifallofthecriteriaabove andyourAccount. IfyouwouldIkeanolher copyofthePrivacy Policy, aremetancyouamstilldissatisted wilhthe please c allu satthe custome- purchase.contact usinwritmg at servicelelephone number indcaled on thefrontof'hisstatement. Synchrony Sank P.0Box965035, Orlanda, FL32896-5035 While wefrwestigate, thesameru;esapplytolbedisputec amount as discussed aboveAfterweinishourinvestigation, wewilltellyouour decision AIthatpont.ifwethmkyouoweanamount andyoudonot paywemayreportyouasdelinquent. Information AboutPapunents: Youmayat anytimepay,in wirele orInpart,thetotefunpaidbalance widroutanyadditional charge forprepayment Payments received after500PM(ET)onanydaywit becredited esofthenextday.Credt!oyoursecount maybede;ayed uptofivedaysifpaymert (a)isnotreceiveo st thepayment address, (b)is notmadeInU.S.dollarsdrawnona U.Sfinancial astitution located intheU.S.,(c)is notaccompanied by'heremittance coupon attached toyov shtement. (d)contains moreIhanonepayment or remittance coupon, (e) is notreceived in theremittance envelope or provided (f) includes staples, papercIps tape,a foldedcheckor correspondence ofanytype - 1-02/07/1a 01DGS302 Thisisanattemot (ccol!ect adebtandaryinformation optained willbeusedforthatpurpose. a telephone providing numberonyouraccounI youconsenttoSynchrony Bankandanyotherowner orservicer ofyouraccount contacting youaooutyouraccoung. usmganycontact indudirg info*mation orcellpnone numbers youprovide, andyouconsen!totheuseofanyautomatic telephona system dialing and/or orrerecorded anartillcial voica whencontacting you,everifyouarecharged forthecallunder yourphone plan Forchanges ofaddress anderphone please number, check theboxandprint:hechanges below. Street Address City,State ZIP Phono # ‰ome Phone # 'Business Phone # *Cel#orotherphone it wecanusetocontact you youcanupdate Remember, theabove mformation aswellasyouremaiaddress online atwwwmysynchrony.com. FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023 TranDate PostDate ReferenceNumber Description Amount 10/07/2022 10/07/2022 F907200M800999990 CHARGEOFFACCOUNT-PRINCIPALS ($1,795.59) 10/07/2022 10/07/2022 F907200M800999990 CHARGEOFFACCOUNT-INTEREST ($179.53) CHARGE 10/07/2022 10/07/2022 F907200M800999990 CHARGEOFFACCOUNT°FEE CHARGEOFF' ($273.00) FEES 10/01/2022 10/01/2022 LATEFEE $41.00 TOTALFEESFORTHISPERDD $41.00 INTERESTCHARGED 10/07/2022 10/07/2022 INTERESTCHARGEONPURCHASES SO.00 TOTALINTEREST FORTHISPEROD 80.00 otalFeesChargedin 2022 $273. otalinterestChargedin 2022 $231. I InterestPaidin 2022 354. ExpirationDate Annual BalanceSubjectto InterestCharge Typeof Balance Percentage InterestRate Rate(APR) Purchases NA 26.99% $0.00 SD.00 FixedPaymentReducedApr UNTILPAIDOFF 14.90% $0.00 SD.00 Inordertoprotectyouraccountprivacy,weareunabletoprovideaccountinformation to anyoneotherthanthe cardholder(s) or anauthorizedparty.Ifyouwishto permitustospeaktoanauthorized partysuchas a spouseaboutyouraccount,pleasesend writtenauthorization to theGeneralInquiriesaddress. Ifyouneedassistancewithan accommodation for yourstatements and/oraccountletters,pleasecall800-292-7508. IfyouneedtocontactSynchronyaboutthelossof a Synchrony youcansubmita deceasednotification cardholder, form underthe'ContactUs'page. locatedatwww.syf.com Youcanpay yourbillonlineor overthephone.Wenoticedyou'vebeenenjoyingoureasypaperlesspaymentoptions,sowe willno longerbe includingretumenvebpes.Youcanmakethingseveneasierby selectingthepaperlessstatementoptionon youraccountonline. Statementnotprovidedto customer. 5302 DFH 1 3 5 221007 2XPAGE 2 or 3 9072 3B00 CGS701DG5332 FILED: RENSSELAER COUNTY CLERK 09/13/2023 10:39 AM INDEX NO. EF2023-274890 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/13/2023 5332 DF 1 3 6 221007 ZX?AGE 3 of 3 9072 3800 CéS701DG5302