Preview
FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021
Supreme Court of the State of New York PFW File Number: P211519
County Of YATES
)
MIDLAND CREDIT MANAGEMENT, INC. ) INDEX NO.: 2021-5177
Plaintiff, )
) INTERROGATORIES
-against-
)
PHILIP D PIELOW a/k/a PHILIP PIELOW )
Defendant(s) )
_)
TO: PHILIP D PIELOW
A/K/A PHILIP PIELOW
3368 ADAMS RD
. PENN YAN, NY 145278949
DEMAND is hereby made of the Defendant(s) for Sworn Answers to the following Interrogatories
pursuant to CPLR §3133.
Each question below requests an answer or information relating to Capital One, NA, Account Number
ending in 9761, with statements attached as Exhibit A, and Synchrony Bank, Account Number ending
in 2391, with statements attached as Exhibit B and your responses should be directed thereto.
1. With respect to every affirmative defense alleged by you in your answer to the PlaintifPs
Complaint, please set forth:
"Identify"
a) each and every person having knowledge or cleshg to have knowledge
regarding this defense. As to each such person, state specifically the facts of which such
person has knowledge or claims to have knowledge and how such person came to have
possession of such knowledge.
Answer:
"Identify" "document' ±'=3
b) each and every which supports, tends to support or is by you
"identify"
to support each said defense. As to each such "document", those facts as to which
"document"
each refers or relates. Attach hereto a copy of each "docardent".
Answer:
FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021
2. Set forth the total amount that the Defendant claims is owed Capital One, NA, Account Number
ending in 9761; and if payment has been made, set forth the date, amount, place where payment
was made and attach copies of all receipts.
Answer:
3. Set forth the total amount that the Defendant claims is owed Synchrony Bank, Account Number
ending in 2391; and if payment has been made, set forth the date, amount, place where payment
was made and attach copies of all receipts.
Answer:
4. What, if any, credits, allowances or deductions do you claim to be entitled to which have not
been given by the Plaintiff with regard to the account which is the subject matter of Plaintiff's
Complaint? In answering this Interrogatory, specify the amount of each such credit, or state in
detail on what you base the claim for each such credit.
Answer:
5. Did you not periodically receive statements from Capital One, NA, Account Number ending in
9761 indicating the total balance due and owing on said account?
Answer:
6. Did you not periodically receive statements from Synchrony Bank, Account Number ending in
2391 indicating the total balance due and owing on said account?
Answer:
FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021
7. Did you or your agents, servants or attorneys ever notify Capital One, NA that the amount
claimed to be owed on Account Number ending in 9761 was disputed?
a) If yes, please provide the exact dates that said disputes were made, state the subject matter of
each dispute in detail, and attach hereto any and all docamentation sent by Defendant to the
original creditor with regard to each dispute.
Answer:
8. Did you or your agents, servants or attorneys ever notify Synchrony Bank that the amount
claimed to be owed on Account Number ending in 2391 was disputed?
a) If yes, please pravide the exact dates that said disputes were made, state the subject matter of
each dispute in detail, and attach hereto any and all documentation sent by Defendant to the
original creditor with regard to each dispute.
Answer:
9. If you allege that you have not been credited for payments made on Capital One, NA, Account
Number ending in 9761, please provide a detailed accóüñting of said payments iñcluding the
dates of said payments, the amount of said payments, and copies of any and all cancelled checks
for said payments.
Answer:
10. If you allege that you have not been credited for payments made on Synchrony Bank, Account
Number ending in 2391, please provide a detailed accõüñting of said payments including the
dates of said payments, the amount of said payments, and copies of any and all cancelled checks
for said payments.
Answer:
FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021
11. If you allege that there were disputed charges on Capital One, NA, Account Number ending in
9761, please provide an accounting of all charges, and any and all correspondence between
yourself and the original creditor regarding the disputed cFarges.
Answer:
12. If you allege that there were disputed charges on Synchrony Bank, Account Number ending in
2391, please provide an accounting of all charges, and any and all correspondence between
yourself and the original creditor regarding the disputed charges.
Answer:
13. If the Defendant claims any error or iñãccuracy in the dollar amount claimed to be due and
owing in Plaintiff's Compl:3:t which is not elicited by the foregoing Interrogatories, identify and
describe same.
Answer:
14. At what address(es) did you live at from October 13, 2015 to the present? Please list the
address(es) and the years at such address(es).
Answer:
15. If you allege that any individual has opeñed credit accounts in your name and without
permission, annex hereto any and all information regarding said individual including but not
limited to his/her name, address and telephone number, as well as your relationship to said
individual.
Answer:
FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021
16. Please attach hereto any documents that Defendant intends to produce at the time of trial that
have been previously referenced and/or âttached to DAndant's preceding Interrogatory
responses.
Answer:
17. Identify all persons whom you expect to call as fact witnesses and expert witnesses at trial. For
each such expert, state the subject matter for which the expert is expected to testify, the
substance of the findings and opison: which the expert is expected to testify, and a summary of
the grounds for each opinion.
Answer:
The answers given to the above questions are true and complete to the best of my knowledge.
Defendant's Signature
(Sworn Before a Notary Public)
Sworn to before me this day of , 2021
Notary Public Signature
Dated: August 20, 2021 PRESSLER, FELT & WARSHAW, LLP
Attorney for Plaintiff
305 Broadway, Suite 802
New York, NY 10007
(888) 312-8600
By: __
Craig S. Stiller, Esq.
FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021
EXHIBIT A
FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021
Walmart ‡ Earn 1% Cash Bacli
with automatic bill pay.
Paidas a staternent credit.
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Statement Closing Date 08/15/2019 Visit walmart.com/credit or Call 1-866-611-1148
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Previous Balance as of 07/16/2019 $6,371.13 Ov mit Ä $1
Payments -201.00 Payrrient Du Date LLiiis20
Other Credits -1.10
Purchases/Debits +107.18 LatePaymentWarning:IIwedonotreceive yourTotal
InterestCharges +136.68 Mirdmum Payment DuebythePeyment DueDalelisted
New Balance as of 08/15/2019 $6,412.89 you
above, may haveto pay elatefeeup to$38.00.
MinimumPeymentWaming:ItyoumakeordyIheminimum
Credit Umit $6,300 payment eachperiod,youwillpaymoreIninterest andRwill
AvailableCredit OVERLtMIT takeyoulongertopayoffyourbe!ance. Forexample:
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maycontact payment
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lessandgraceperiods. (Savingsn
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about credit counseling
services,call1477-302-8775.
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1%onOtherPurchases $1.10 statementcreditsthisyear
withyourWalmartMastercard.
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thisStatement $1.10 ForInfonnationon eamingand
rewards,visitwalmart.com/creditlogin
redeeming
NOTICE:Wemayconvenyourpayment
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PHitJPD PIELOW
3368ADAMSRD
MakePaymentTo:WALMARTMASTERCARD/SYNCB
POBOX960024
FL32896-0024
ORLANDO,
FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021
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FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177
NYSCEF DOC. NO. 11 Walmart' RECEIVED NYSCEF: 10/15/2021
Mead paitip p.PIELOW
Account Number ending in 9761
Statement Closing Date08/15/2019 Visit Walmart,cont/credit or Call 1 866411-1148
Date
Tran Post TransactionReference# Description Amount
0827 08/07 85239146W00XTZROT PHONE PAYMENT-THANK YOU -$201.00
0828 08/08 52301886XOEWVOEPX SUNOCO 0816718100
QPSPENNYANNY $35.00
0848 08/06 02305376Y00EAKYLY TRACTOR SUPPLY#2287PENN
YANNY $8.38
0859 0829 02308378X2X61MKLA BYRNE DAIRY58PENNYANNY S4.98
0849 08/09 02305376X5SQM1HHN BYRNE DAIRY58PENNYANNY $1.88
08/10 08/10 02305376YSSA26SNG BYRNE DAIRY5SPENNYANNY $3.32
08/t2 08/12 6230186710EWV11HK SUNOCO QPSPENNYANNY
0816718100 $1.66
08/12 08/12 0230537702X52FN2J BYRNE DAIRY58PENNYANNY $25.00
08/12 08/12 0230537702X5ZFN4V BYRNE DAIRY66PENNYANNY $8.85
08/13 08/t3 5230188720EWV13L2 SUNOCO OS16716100
QPSPENNYANNY $3.32
08/13 08/13 0230537715SQ8KBTX BYRNE DAIRY58PENNYANNY 34.98
08/14 08/14 051404572M:::.Cn MORGAN11GROCERY PENNYANNY 510.03
08/15 08/16 REWARDSISPECIAL OFFERCREDIT -St.10
FEES
TOTALFEESFORTHISPERIOD $0.00
INTERESTCHARGED
08/15 08/15 INTEREST
CHARGEONPURCHASES $136.88
08f15 08/t5 INTEREST
CHARGEONCASHADVANCES 50.00
FORT
Preview
FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021 Supreme Court of the State of New York PFW File Number: P211519 County Of YATES ) MIDLAND CREDIT MANAGEMENT, INC. ) INDEX NO.: 2021-5177 Plaintiff, ) ) INTERROGATORIES -against- ) PHILIP D PIELOW a/k/a PHILIP PIELOW ) Defendant(s) ) _) TO: PHILIP D PIELOW A/K/A PHILIP PIELOW 3368 ADAMS RD . PENN YAN, NY 145278949 DEMAND is hereby made of the Defendant(s) for Sworn Answers to the following Interrogatories pursuant to CPLR §3133. Each question below requests an answer or information relating to Capital One, NA, Account Number ending in 9761, with statements attached as Exhibit A, and Synchrony Bank, Account Number ending in 2391, with statements attached as Exhibit B and your responses should be directed thereto. 1. With respect to every affirmative defense alleged by you in your answer to the PlaintifPs Complaint, please set forth: "Identify" a) each and every person having knowledge or cleshg to have knowledge regarding this defense. As to each such person, state specifically the facts of which such person has knowledge or claims to have knowledge and how such person came to have possession of such knowledge. Answer: "Identify" "document' ±'=3 b) each and every which supports, tends to support or is by you "identify" to support each said defense. As to each such "document", those facts as to which "document" each refers or relates. Attach hereto a copy of each "docardent". Answer: FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021 2. Set forth the total amount that the Defendant claims is owed Capital One, NA, Account Number ending in 9761; and if payment has been made, set forth the date, amount, place where payment was made and attach copies of all receipts. Answer: 3. Set forth the total amount that the Defendant claims is owed Synchrony Bank, Account Number ending in 2391; and if payment has been made, set forth the date, amount, place where payment was made and attach copies of all receipts. Answer: 4. What, if any, credits, allowances or deductions do you claim to be entitled to which have not been given by the Plaintiff with regard to the account which is the subject matter of Plaintiff's Complaint? In answering this Interrogatory, specify the amount of each such credit, or state in detail on what you base the claim for each such credit. Answer: 5. Did you not periodically receive statements from Capital One, NA, Account Number ending in 9761 indicating the total balance due and owing on said account? Answer: 6. Did you not periodically receive statements from Synchrony Bank, Account Number ending in 2391 indicating the total balance due and owing on said account? Answer: FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021 7. Did you or your agents, servants or attorneys ever notify Capital One, NA that the amount claimed to be owed on Account Number ending in 9761 was disputed? a) If yes, please provide the exact dates that said disputes were made, state the subject matter of each dispute in detail, and attach hereto any and all docamentation sent by Defendant to the original creditor with regard to each dispute. Answer: 8. Did you or your agents, servants or attorneys ever notify Synchrony Bank that the amount claimed to be owed on Account Number ending in 2391 was disputed? a) If yes, please pravide the exact dates that said disputes were made, state the subject matter of each dispute in detail, and attach hereto any and all documentation sent by Defendant to the original creditor with regard to each dispute. Answer: 9. If you allege that you have not been credited for payments made on Capital One, NA, Account Number ending in 9761, please provide a detailed accóüñting of said payments iñcluding the dates of said payments, the amount of said payments, and copies of any and all cancelled checks for said payments. Answer: 10. If you allege that you have not been credited for payments made on Synchrony Bank, Account Number ending in 2391, please provide a detailed accõüñting of said payments including the dates of said payments, the amount of said payments, and copies of any and all cancelled checks for said payments. Answer: FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021 11. If you allege that there were disputed charges on Capital One, NA, Account Number ending in 9761, please provide an accounting of all charges, and any and all correspondence between yourself and the original creditor regarding the disputed cFarges. Answer: 12. If you allege that there were disputed charges on Synchrony Bank, Account Number ending in 2391, please provide an accounting of all charges, and any and all correspondence between yourself and the original creditor regarding the disputed charges. Answer: 13. If the Defendant claims any error or iñãccuracy in the dollar amount claimed to be due and owing in Plaintiff's Compl:3:t which is not elicited by the foregoing Interrogatories, identify and describe same. Answer: 14. At what address(es) did you live at from October 13, 2015 to the present? Please list the address(es) and the years at such address(es). Answer: 15. If you allege that any individual has opeñed credit accounts in your name and without permission, annex hereto any and all information regarding said individual including but not limited to his/her name, address and telephone number, as well as your relationship to said individual. Answer: FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021 16. Please attach hereto any documents that Defendant intends to produce at the time of trial that have been previously referenced and/or âttached to DAndant's preceding Interrogatory responses. Answer: 17. Identify all persons whom you expect to call as fact witnesses and expert witnesses at trial. For each such expert, state the subject matter for which the expert is expected to testify, the substance of the findings and opison: which the expert is expected to testify, and a summary of the grounds for each opinion. Answer: The answers given to the above questions are true and complete to the best of my knowledge. Defendant's Signature (Sworn Before a Notary Public) Sworn to before me this day of , 2021 Notary Public Signature Dated: August 20, 2021 PRESSLER, FELT & WARSHAW, LLP Attorney for Plaintiff 305 Broadway, Suite 802 New York, NY 10007 (888) 312-8600 By: __ Craig S. Stiller, Esq. FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021 EXHIBIT A FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021 Walmart ‡ Earn 1% Cash Bacli with automatic bill pay. Paidas a staternent credit. Walmart* Mastercard" Use your to pay your bins automatically every month? m O Memberships Auto @90 Phone Utilities 0 And More! pmolamado specialFinanckg cashback ccteam asnenl& Nich)ictuaectoppmrt seceewenst•QuRCadmdahatMmenadliemenbPngamtsms tretals. "Ndeants pathsdtrammRbtpscreoceplMutnad'. liewenstumticedbbamfbf9jidayBatpsmetimaIcemeby edteddes MutnadhementhapradMmlanedberegi@ndlndmalt dedgnketedmakofMa$rcedhtme5omitomprand. ThetiongasusisantrngiandmalsdWayngrtApAt11.Q EzSpallideslgp Mmit.adSamimacy.Debdtt (:ijc), Walmaw PaiuP D PIELOW Mahad Account Number ending in 97s1 Statement Closing Date 08/15/2019 Visit walmart.com/credit or Call 1-866-611-1148 SpamenliiErstIErEilñid tif6 riE11 ikii date11 PMitGtim R!H5{W N *C 3 E* ½ imated or,ti$1 EToridifedat·e ry#nlIriõandphone New Balance *C $6 412.89 "- I Previous Balance as of 07/16/2019 $6,371.13 Ov mit Ä $1 Payments -201.00 Payrrient Du Date LLiiis20 Other Credits -1.10 Purchases/Debits +107.18 LatePaymentWarning:IIwedonotreceive yourTotal InterestCharges +136.68 Mirdmum Payment DuebythePeyment DueDalelisted New Balance as of 08/15/2019 $6,412.89 you above, may haveto pay elatefeeup to$38.00. MinimumPeymentWaming:ItyoumakeordyIheminimum Credit Umit $6,300 payment eachperiod,youwillpaymoreIninterest andRwill AvailableCredit OVERLtMIT takeyoulongertopayoffyourbe!ance. Forexample: Cash Advance/QuickCashUmit $1,260 . Rif yiiumaketis " iYodwtil'payÊti; n l yô irE xT AvailableCash OVERUMIT edâdònel elirgebc* 'thelialancef iiiptiying Statement Closing Date 08/15/2019 .üsi$r this*ciudi.e Ï sh n esWoo total Days in Billing Cycle 31 , Endise emeht o youpay... . about Only theminimum 21years $18,276.00 NewYorkresidents oteNewYorkState maycontact payment DepartmentofFinancial Services orvisit11s bytelephone oncomparative webstefortreeinformadon creditcardrates, $255.00 3 years $9,198,00 lessandgraceperiods. (Savingsn NYStateDeptofFinancialServices: $9,071L00) I-BOM42-3736 htin'Jhoww.din.new/annamnerkmwilwleht.hrm 1fyouwouldlikeInforrnadon about credit counseling services,call1477-302-8775. 3%anWalmarLcom $0.00 2%onWalmart& MurphyUSAFuel $0.00 YouNoeamed$6.88in Rowards 1%onOtherPurchases $1.10 statementcreditsthisyear withyourWalmartMastercard. TotalRedeemed thisStatement $1.10 ForInfonnationon eamingand rewards,visitwalmart.com/creditlogin redeeming NOTICE:Wemayconvenyourpayment inroanelectronic deblLSeereversefordetails.SRn0RightsandotherImportant information. $4D4 WGN 1 ? la 13oB15 I of 3 oPAGE 1136 1000A4o3 o1DT5404 Detach withyourcheck. andmascaleportionwhhyourcheck.DonolIndudeanycorrespondence AccountNumber: xsoonouar xxxx9781 ''' Walmart . $20160 09/07/2010 7.. 3112.a9 . $6412.69 .C1 PaymentEnclosed:Pleaseuse blueorbtackink. Newaddress orsmaU7 Printchanges onback. PHitJPD PIELOW 3368ADAMSRD MakePaymentTo:WALMARTMASTERCARD/SYNCB POBOX960024 FL32896-0024 ORLANDO, FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 10/15/2021 CustomerSmwicerFor accoudintbnnaGon, cd thenunker onlheImmloImis stalementFor Heming orspeech disabigiles,usea1RS.Unless yournamelsIsledonthis stateme4puraccessiolabnnetloq ontheaccount maybelimited.Youmsy alsomaDqueslbns (butarappd) he P.O.Box955022,0rlands, FL32596-502LPieaselnclude puraccoudnumber onanýommspondence yousandlo us. Payments:5erd payments tomeaddess listed onlheramRhmos pationclDdsslalement or onine. NeGce:Seebelow forpurBuling Rights andatherimpmlantinfamallos.Telephoning about enuswillnotpresava yourrightsunder fademl law.To pmselve yourrights, wnle please toourBilingInquides Address P.O.Bor 965023.0dando,FL32891MiG23. Purchases, relums, andpayments made justpdorlo bilingdatemay8otappear unfinextmordfsstalament When youpmvide acheck as payment, youadhodzens eithertouseIntimallon Agra yourcheck tonateaane4me electronic fundbansfer immyouraccount ortoprocess thepayment asacheck transadion.When weuselnfamallon Immyour::heck tomaleanelectrook kndtransfer, bewithdrawn (mm youraccount assoon asthesame Nndsmay daywesecehmyour payme& andp wBnoiseceive yourcheck bacttomyourIInancial InstRutlon.Youmay choose nottohaveyourpaymonicollected electronicallybysendIn 9yourpayment (alththepayment stub),Inyourownenvelope- not theonclosed window anvelope, addressed to:P,0.Box530993, Athita,GA30353-a993 andnotthePayment Address. WhatToDolftou thinkYouFindAB1btasmonYourStatement hfamin6arr AboutPaymentcYoumsyat anyume pey,biwholear IfyouINnkthere Isanenoronyour statement, wriletoasatthe le part DietotatrapeldAafar:ce without anyaddldonal cfrarge for gilgaginquiries Address of 8'8Psymant Paynierds received8118rS:00p.m.(ET)m anydaywin Bank Deomdited asofthenextday.CadittoyourAccount maybedelayed Synchany P.C.Box FL32B96·5023 uptoSmdaysEpaymed W b adracdved d mePaymed Addre 965023, Odand4 (b)lsnotmadelnU.B.donarsdrawnon atJ.S.linanciallnstitullonlocated Inyourleller, giveustheIollowing Inbrmatiore intheti.S.,(c)isnotarx:ompanied bytheremillance coupon attached •Accoathformadonr Yourname andaccountnumber. topur stateme4 (d)containsmorethanon9payment orremtlance •Doortamount Thedollaramounlof thesuspected erst. coopon, M Is notmedved in us remnance eps or • DescrÞCon ofProblenc IIyouINnkthereis a enoronyourbig• of (nincludesstaples,paperclips,1ape.a fddedchedr, crorrespondence describe whatyoubelieve Iswmng andwhypu begeve any lype.Condillonal Payments: AGwdtlen communballons ltisamistake. dspdedamouds, YoumustcontedaswilNn60daysaBertheenorappeamd caceming on Instrument bcludnganychedcroUntpaymad pur statement that:(1)Indicdes thatthepaymes conslHutes 'payment In fur or Is lendmed as M satisfacdon of a disputed amount· YoumustnoDIf asofanypolandal errorskiwrMag. Youmay callus, or (ii) Is landmed withclhercondllions or limitations ('Disputed batifyoudoweareat regulnxilo Invesggale anypotential enorsand Payments"), mustbemalled ordelivered 10usatP,0.Box965023, youmayhavelopaytheamount Inquestion. Odando, FL3289641023. Whteweinvestigate whether ornotDerehasbeenanenor,1he QedlisYo YourAccountr An amount shownin parentheses or bliowing amirue: procededbya minus(-)slgalsactedR orcredit balance unless othenvise • Wecannot bytocoAect Goamount InquesUon, or reportyouas Indicated. Credits winbeappged toyourprevious balance immediately delinquent onthatamount, uponscelphbutwilnotsatisfyeny requled payment Dialmaybedue, • Thecharge b questionmaysmalnonyourstatement, andwemay CreditReporta ArnlAccount informalton: If youbetterethatwe conGnue tocnarge youintenet onthatamount But,Ifwedetermine that haverepolledInaccurate Infonnadon aboutyouto a consumer womadea mistake,youwliladhevelopeytheamountinquessoner reputBgagency,pleasecontactus at P.O. Bar 965024, anyinletest orotherfeesrelatedlo0utamount ortando,FL 3289SliO24, 18doingso,please identifytheinaccurate • WhBe dofat havelo youare information andtelluswhyyoubeifeve Itis Inconectif youhave paymeamount in question, a ofthecrestreport respeasNo tr thelemehder gyourbdarm copy matIncludes theinaccurate informanon, *Wecan pleaseInclude a copyofthatreportWemayreporthformaUon apply anyunpaid amount againslyour credit Ilmil aboutyouraccountto cieditbureans. 1.ate YourRights payments, missed fYouAreDhaells#edglithYourCradftCardPrucire$as payments, or otherdefaults onyouraccount If youaredissatis5ed wilhIn goods or servkesthatyouhave yourcreditreport maybereflected In purchased wthyourcredtcantandyouhavetriedingoodfathto Bdance S ubjectTolatarest Cisarge correct theproblem wHhitsmerchat Calculadon youmayhavetherightnotlopay meremaining amoutdueonto purcham. DalyBalance method: WeAgure theIntemst charge onyouraccout byapplying theperbdic ratelo the'dallybalance' ofyouraccount Touselhisfighlalorthefollaingmustbatrue: breachdayInmebliling cycle.Wethan addtheInterest tothedagy 1,Thapurchasemusthave been made Inyourhome stateorwtldn balancaTogetthe'daRyhalence*wetakethebeginningbdance ofyour a! eurcunent maiRng address, andthepurchase pdcemust accounteachday (whichIncludesunpaid addanynewcharges laterest), havebeenmore man$50,(Note: Nellher ofthese arenecessary Ifyour andapplicable fees,and subgract payments ofenuflla Thisghms us purchase wasbased manadvedisementwo any malled toyou,arifweown thedailybalance. Anydallybalance oflessmanramwigbeusated as thecompanythatsoldyoumegoodsorservices.) zonLAsaparata daBy balance wlabeeaWawloreachbotance type 2,Youmust haveandyourcreds canitr mepuzhase. Purchasesonyouraccount Thebalance(s) shown IntheInterest Chuges secDon made wimcashadvarcos tomanATMorwilhacheck thataccessesofthisstalament h thesumofthedayybalances foreachdayInDe yourcmdit cardscountdonotqually, bAHng cyde dividedbyumnumber ofdaysIntheAGllog cycle, 3.YoumustnotyethaveMy paldforthepurchase, Bankruptcy Houce:if youlife bankrupcy. youmustsendus ifagoftheadleda almus as metandyouassilldissatisfied withine nothe,Including accountnumberand at Information related putchase, conianus A wrihgal: lo the pmceeding to the htowingaddress: Synchrony Banlt, Alln:BanitruployDept,P.O. Box9115060,Orlando,FL226964060, P0,Bos966023,0rlando,FL32896.5023 Youraccountla ewned andaerviced bySynchronyBank, WheweIrwesligste, theSame sules apply lo0mdisputed amount as discussed ateve.AlterwelinishcurInvesggedon, wewl5tesyouour decision, Atthalpoldifwelhinkyouoweanamount andyoudonot pay wemayrepod youasdeRnquant ..... . ...............................,.......,,............-,.....................................................-,..................,,......,,........ 01DT5e04 .1-o?mftl4 ...... Thisisanattempt tocaged adebtandanyInfonnallon obtained wilbeasedbrthatpmpose, my pmvidinga leleplenenumber onyouraccounl,youconsent In SynchronyBankandanyotherownerat sendcar of youraccount youatentyouraccount contacting usinganycontact hcluding inbrmatkmorcellphone numbere po provida, andyouconsailtotheuseof anyautomatic lalophone system diaEng andoranmGilclal orpmacmdedvoicewhencordecgng you,evenIfyouerecharged lormecalunder yourphone plan. Forchanges oraddress, phone number arxUor please smail, checkIhe boxandprintthschanges bobs. street Qty,State zlp Phone# Emn1 Home Phone s Business Phone # 'CallSerother phone # EmatAddress wecanusetocontact you youremaladdmas. ByprovIdIng youagree1m receive emeD about communications youraccount andalsogive formtoshareyour permission emataddess wilhWalmst FILED: YATES COUNTY CLERK 10/15/2021 02:50 PM INDEX NO. 2021-5177 NYSCEF DOC. NO. 11 Walmart' RECEIVED NYSCEF: 10/15/2021 Mead paitip p.PIELOW Account Number ending in 9761 Statement Closing Date08/15/2019 Visit Walmart,cont/credit or Call 1 866411-1148 Date Tran Post TransactionReference# Description Amount 0827 08/07 85239146W00XTZROT PHONE PAYMENT-THANK YOU -$201.00 0828 08/08 52301886XOEWVOEPX SUNOCO 0816718100 QPSPENNYANNY $35.00 0848 08/06 02305376Y00EAKYLY TRACTOR SUPPLY#2287PENN YANNY $8.38 0859 0829 02308378X2X61MKLA BYRNE DAIRY58PENNYANNY S4.98 0849 08/09 02305376X5SQM1HHN BYRNE DAIRY58PENNYANNY $1.88 08/10 08/10 02305376YSSA26SNG BYRNE DAIRY5SPENNYANNY $3.32 08/t2 08/12 6230186710EWV11HK SUNOCO QPSPENNYANNY 0816718100 $1.66 08/12 08/12 0230537702X52FN2J BYRNE DAIRY58PENNYANNY $25.00 08/12 08/12 0230537702X5ZFN4V BYRNE DAIRY66PENNYANNY $8.85 08/13 08/t3 5230188720EWV13L2 SUNOCO OS16716100 QPSPENNYANNY $3.32 08/13 08/13 0230537715SQ8KBTX BYRNE DAIRY58PENNYANNY 34.98 08/14 08/14 051404572M:::.Cn MORGAN11GROCERY PENNYANNY 510.03 08/15 08/16 REWARDSISPECIAL OFFERCREDIT -St.10 FEES TOTALFEESFORTHISPERIOD $0.00 INTERESTCHARGED 08/15 08/15 INTEREST CHARGEONPURCHASES $136.88 08f15 08/t5 INTEREST CHARGEONCASHADVANCES 50.00 FORT