Preview
FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021
AFFIDAVIT OF FACTS AND SALE OF ACCOUNT BY ORIGINAL CREDITOR
State of Florida County of Seminole
The undersigned, being duly sworn, deposes and says:
1. I am an employee of Syñchicñy Bank ("Original Creditor") formerly known as GE Capital Retail
Bank and on June 2, 2014, GE Capital Retail Bank formally changed its name to Synchrony
Bank, and I have personal knowledge of and access to Original Creditor's books and records
("Business Records"), including electronic
records, relating to a pool of charged-off consumer
credit accounts sold or assigned by Synchrony Bank to Cavalry SPV I LLC ("Debt Buyer"), on
2/22/2019 (the "Sale"), which included the account ("Account") of the consumer ("Consumer")
XXXXXXXXXXXX3280 and identified in the exhibits attached hereto and incorporated herein. As
part of the Sale, Original Creditor assigned all of its intereat in the Account, including the right to
any proceeds from the Accounts, to Debt Buyer, and it transferred Business Records relating to
the Account to Debt Buyer. A true and correct copy of the bill of sale or written assignment of the
Account is attached as an exhibit to this affidavit. &
2. In my position, I also have personal knowledge of Original Creditor's procedures for creating and
maintaining its Business Records, including its procedures relating to the sale and assignment of
consumer credit accounts. Original Creditor's Business Records were made in the regular course
of business and it was the regular course of such business to make the Business Records. The
Business Records were made at or near the time of the events recorded. Based on my
knowledge of Original Creditor's Business Records, I have personal knowledge of the facts set
forth in this affidavit.
3. Original Creditor and Consumer were parties to a credit agreement ("Agreement"). Consumer
agreed to pay Original Creditor for all goods, services and cash advances previded pursuant to
the Agreement. The date and the amount of the last payrnent, if any, made by Consumer are set
forth in an exhibit attached hereto and made a part hereof. A true and correct copy of the terms
governing the account at the tirne of charge-off is attached as an exhibit to this affidavit.
4. At the time of Sale, Consumer owed the amount set forth in the exhibits attached hereto and
made a part
hereof, which also set forthof the Consumer;
the name the last four digits of the
Account number; the date and amount of the charge-off balance; the date and amount of the last
payment, if any; the total amounts, if applicable, of any post-charge-off interest and post-charge-
off fees and charges; and post-charge-off credits or páyments made by or on behalf of the
Consumer; and the balance due at the time of the Sale. The above statements are true and
correct to the best of my personal knowledge.
Executed this 9th day of April, 2019
C
Omaira Hernan
Senior Media Aff avit Representative
Sworn to and Subscribed before me this 9th day of April, 2019
GG 2UB45 Notary Public
comm ssion #
Commission ExpUes
My
NY AOS.L7-46 2017-St Paul
1 of 17
FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021
CERTIFICATE OF CONFORMITY UNDER
NYS CLS CPLR § 2309(c) AND NYS CLS RPL § 299-a
The undersigned does hereby certify that he/she is an attorney-at-law duly admitted to
practice in the State of Florida and residing in the State of Florida; that he/she is a person duly
qualified to make this certificate of conformity pursuant to Section 299-a of the Real Property Law
of the State of New York; that he/she is fully acquainted with the laws of the State of Florida
pertaining to the acknowledgment or proof of affidavits; that the acknowledgement or proof upon
the foregoing Affidavit of Omaira Hernandez was taken by Devin Davis, a notary public in the
State of Florida, in the manner prescribed by the laws of the State of Florida, being the state in
which the Affidavit was taken; and, based on his/her review thereof, that the notarized Affidavit
conforms to the laws of the State of Florida in all respects.
Witness my signature this 9th day of April, 2019
Tyler Burich
Attorney-at-law, State of Florida.
2 of 17
FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021
a¥MkM'MTNNir*WI
.
k Dom rsoont d PmtC . out & .. etter d js ment
280 CSMS 0
. SOLD . CARD.
HELENSCOTT
1211PRESIDENTST . .
BROOKLYN NY H2254606
3473053775 00110000000 .. .
F stFacts pcove
y Fpst
Fe Coh io
I .....
3 of 17
FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021
synchrony BANK
4125 Windward Plaza
Alpharetta, Ga. 30005-8378
BILL of SALE
Cavalry (CBMS)-RF MP - February 2019
For value received and in further consideration of the mutual covenants and conditions
set forth in the Accounts Purchase Agreement (the "Agreement"), dated as Pebruary 20,
2019, by and between Synchrony Bank formerly known as OE Capital
Bank, RFS Retail
Holding LLC and Retail Finance Credit Services, LLC., ( "Seller") and Cavalry SPV I,
LLC("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its
successors and assigns, without recourse except as set forth in the Agreement, to the
extent of its ownership, the Accounts as set forth in the Natification File (as deSned in
the Agreement), delivered by Seller to Buyer on or about February 22, 2019, and as
further described in the Agreement
Synchrony
By: AL
Ken Wojcik
Title: SVP Collections & Recovery
RFS Holdin LC
By- A^-
Ken Wojcik
Thle: Anorney in Fact
Retail Financ Credi ervices, LLC
. .
By:
Ken Wojcik
Title: Attorney In Fact
4 of 17
FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021
CARECREDIT/SYNCHRONY
BANK Name: HELENSCOTF
CardhoMer
Accatat
Number : 3280
Statement Data: 04/23/2017
Closing
Psynchrony
Bahnce
Previotts $2690.61, NewBalance 30.00
+ NewPurchases 30.0s TotalMinimumPayment
Due $897.00
- Paymems $0.00 PaymentDueDate 64/25/2017
+/- Credits, & A4ustments
Fess (met) S‰690.6)-PAYMENT DUEBY5P.M.EASTERN ONTHEDUEDA'ML
+/- Interest
Charge
(net) $0.00 Wemayconvertyourpayment
iniaanelectronic
debit,See
NewBalance $0.00 reverse
side.
Credit
Limit $2,700.00
Avanable
Credit $0,00 LatePaymcotWaming: If wedonotreceiveyourTotal
DaysinBillingFeriod 28 Maimum PaymentDuebythePaymentDueDatalistedabove,
youmayhavetopayalatefeeupto338.00.
forfinest mysynchteny.com
Payanline
ForSynchrony Bankcustomer
serviceortoreport
your
Inst
card o rstolca,
onS(1466-893-7864).
- Friday.
tocallareWednesday
Besttimes
. . . . .
TranDate PostDate Reference
Number Descñption Amount
04/23/2017 04/23/2017Pe?MMaQoo990 CHARGEOFFACCOUNT-PRINCFALS $1,419.00
CR
04/23/2017 04/23/2017 CHARGEOPPACCOUNT-iNTEREST $1,309.61
CR
CHARGE
FEBS
04/]8/2017 04/18/2017 LATEFEB $3L00
TOTALFEES
FORTHISFERIOD 538.00
CHAROBD
INTEREST
04/23/2017 04/23/2017 INTEREST
CHARGE
ONPURCHASES $0.00
TOTALINTEREST
FORTHISPERIOD $0.00
Fees Chargedin2017 S152.00
Charged
Interest in2017 S168.90
Paidin2017
Totalinterest $0.00
. .
Expiration
Date Annus) Balance
Subjcetto Interest
Charge
TypeofBalance Fercentage Interest
Rate
Rate(APR)
Purchases NA 26.99% $0.00 $0.00
Inordertoprotect
yoursecount weareunable
privacy. account
toprovide '±r±:e anyone
otherthanthecardhelder(s)
or
. soamherizedputy.If youn-½ p---t ustospeaktoanauthorized
pattysuchasaspouse
about
yoursecount,please
send
written totheGeneral
authodration Inquhies
addnss.
Statementnotprovidedtocustomer.
* NOTICE: sideandadditions
Sccreverse pages informs" =.:--.Eg youraceosnt..
(ifany)forimportant
5302 DFH 1 S 13 170423 2XPAGEI of t 90123200 c6J201Cs53o2
payersne
atmyrynenmay.comversoupon
orendose anNyour
enect
riseseuse
weorblacMnk.
½ CareCredit emmmi=ge±ayanswgst=ë=nmemmns
gmma sames
$897.90 40,0D 0425/2017 30.DD 3260
Enclosed
Payment
Neweddress ore-mall? Payment $0.00pasidue.Please
dueincludes paythepastdueamount
PROMPRY.
Cheek theboxatfaftand
printchartges
onback
A RDFTAADFADDFFFDDDA
FFADAFFFFTDAFTTFAFAFWFFFWFTDFITDTFITFan
HELENSCOTT
1214PRESIDENT ST
BROOKLYN NY I1225-I606 MakePayment to; SYNCHRONY BANK
PDBOX96006 I
ORIANDO, FL32596-0D61
DIyfFATTDTAADDDDADTTF1TDATFDDAADDAFDFAFATFFDTAADAFFAATAAFF77FTTFDA
00000000007500 000000000000000 28062
5 of 17
FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021
Customer Servke: Foraccount information,callthenumber onthefloalofthisslatement FotHearing orSpeech dsabiliffes,useaTRS.
Unless your name islistedonthisslatement, your eccess toinformalion onmeaccoung may belimiled. Youmayalsomailquestions (bulnol
payments) loP,0.Box956033, FL
Dylando,32898-5033. Please include your acco ninumber onany correspondence you sendtous.
Paymenfer Bend payments lotheeddress listedon theremittance coupon oilhisslaiament
portion atpayonime atwww mysvnchmny.com
Overni¢tl PaymenirPaymeniscannot bemade n person, maapayments bSynchrony Bank.140Weldva Springs Road. Longzed, FL32779.
Nethe-See below foryourBilingRights andother unportant information. Telephoning about bi'ling enors wiUnotpreserve yourrights under
federaller Topreserve yourrights. pleasewrite10ourBilleginqukies Address, P-0.Box 9115035, Orlando, FL32896-5035.
Purchases, relums andpayments modeustpilotb billing datemayac1sppear unbinextmonth's statement When youprovide acheck as
payment youauthorize useither
touse informalionfrom yourcheck 10m; keaone4me electronicfund transhr from your accounter loprocess the
payment asacheck Iransaclion.
When weuseinformation from yoschek10make anelectronichd transfer, kndsmaybe withdewn Immyour
account esseonasthe samaday wereceive yourpaymentand youwal attraceiveyourcheck back from yourlinanonlinsEtution. Youmaychoose
notlohave yotrpaymenicollected electronicallybysending yourp yment (wnh theremittance coupon), Inyourownenvelope - notthe
enclosed remitlance envelope, addressed10:P0 Box 53D9110, Atlan GA 30353-0950 and not t hepayment address.
WhatfeDeIt YouThinkYouFindAhilstake anYourStatement:provided or(f)Includes staples, paper cips.tape,abldedcheck or
IfyouIhink there isanenoronyesstatement write10usat. conespondence of enytype.Conditional Payments AAwritten
Bank, P.O.Bax965035, Orlando.FL32696-5035. commumcagons conceming dspvled emounts, includng any check or
Synchrorry thatthepaymentconshtules
inyourletter gkeusthefollowing infor maliort
otherpaymentinstrumerit that. (I)indcates
"paymedir orisiendered esfulsatisfactionof adisputed amouf
• AccowHobrmalian Yourname andaccouninumber or (ii)is lendered wiihotherconditions or Emitations ('Dispuled
+DoDar emounr·Thè dollar
amount ofthesuspected erros Paymanis').must bemailed orderwered fousatPO.Box965035,
• Descr ptionofproblem: Rtyouthinkthereisanerroronyourbill, Odando.FL32898.5035
descrbe whatyoubefieve is wrong undwhyyoubelieve 11is Credits ToYour Account: Anamount shown inparenthesis isacredit
amislal:e. orcredfbalance unless otherwise indicated.Credis willbeapprmd b
Youmustconlact uswithin60daysallertheenoIappeared on yomPrevkesbatanceimmedately uponrecept.bul wilnotsatisfy any
yourstalernent requiredpsyment thatmay bedue.
Youmost notify usofanypotential erroreb wriling Youmaycanus, CreditReportsandAscountInformathn: lf youbelieve that
butifyoudowe arenotrequired toinvestigateany p otentialerrorsand we may have reported inaccuriam1ormation aboutyouto a
youmay have topaytheamount inquestion. consumetrepot tingagancy, please c ontact ussi POBs 865038
Whileweilwealigate whether or nottherehasbeenanerror, the pando,R MEM Indo soplease identify meinaccurate
se he. nformationand telluswhy youbel eveitismoorrect Ifyouhave acopy
bkwing ofthe creditreport that i ncludes theinaccurate inkimation, please
• Wecarinot trytocoRect theamount mquestion orreport you85 include a ofthatreportWemayreport infof abow your
Mngst onmalamouM copy mailon
account tocredtbureaus.Late payments, missed paymams, orother
• Thecharge mquestion mayremain onyourstatemeni andwe may tiefaullson your account may befeGected inyourcredit report
congnue tocharge youinterestonthatamous. 84 ifwedeterminego, gy
Ibalwemeda a mistake. youwitnothave topaytheamount in
etedy mepede rabb h 'daly
quasilonoranymterest orother feestelatedio thatamount br each
• While youdor101 dayin e biffing cycle. Wethenad heinbrest 10thadaiy
haveto paytheamount a question youare balance. Togetme'daily bahnce wetakethebeginring balance ofyour
responsblefortheremainder ofyourbalance. eccount each day(wf@includes unpaid Iribres1),
addeny newcharges,
• Wecanapply any unpami amoun1against your credilimit and appkable fees. and subtract ary payments orcredis. This g ivesus
ThurRights ifYouAreDissedatind1Wlh¼ur Credit Card Pmchasesthedaily balance.Any daily babnce of essthanrerowMbetrealedes
If youas dissatisiled withthegoods orservices metyouhave 2e10. Aseparatedaily wilbe
balance calculated foreach balancetype on
purchased wimyawcredilcard,andyouhave triedingood fahhto your accoumL Thebalancels)shounin theInterestCharges secEon ofmm
conect iheprcblem wilhthememhant, youinayhave therightnotlo slalement ismesam o½eMy Wances foreach dayi e cyck
amount dueonIhepurchase. diidedby menumbef oldays cycle.
irtthebilling
payIheremaining Noticer Ifyoufilebankruptcy youmustsendusnotice,
Touse misright, asofthebliewing musibe Irue vanknrptcy
meludog account number andallmlof malion related10 theproceedmg
t Thepurchase must have beenmade inyourhome state orwithin 10 thefollowing address: synchany Bank, Attn:Banhuptcy Dept,
100mifesof yourcurrent mailog address, andthepurchase pricemust PAh96506t Or½ FO896-5061
haveteenmoreman560.(Nate: Neither ofthese areFrecessary if
yourpurchase wasbased onanadzertisement wemailed toyev.or4
weownthecompany thatsakfyouthegoods orservices ) Your accormt isowned sadserylaedby Synchrony Bank,
2.You must have used yourcredtcardforthepurchase. Purchases
mada withcash advances fromanATM orwithacheck thataccessesItssofInformanon Abouthe andVautAccount: QurFsivacy
yourcredicard account danotqualify Polky descrbes ourcoRection anddisclosure ofinformation about you
3.Youmust notyethave hllypaidforthepurchase. and yew Account ifyou would lbanother copy o f he Privacy Policy,
ghe
1fallof crilariaabove ammetendyouarestiltdissalistied withthe the please callusatthecustomer service telephone number indcated on
contact usinwrmng at. ofthisstatement
front
purchase,
Synchrony Bank
P.O. Box965035, OrlandtFL326964035
WMe weinvestigate, thesame rules applyloIhedisputedamountas
discussed above. Afterwefinishourinvasfgation, wewilltellyouour
decision Atthalpoint, ifwethinkyouoweanamoum andyoudonot
va
pay may r eport you asdellnquent.
information About Paymenls: Youmayatanytimepay,inwhole
orinpart,the totetunpaid hatance without anyaddiGonal charge
forprepayment, Paymentsreceivedafler 5:00FM(ET) onany daywill
becrecited asofthenextdayCredtloyesaccount maybedelayed
up tolivedays i fpayment (a)isnot r eceivedatthe payment address,
b) is nolmada inU.S.detersdrawn ona U.S.linancial institullon
located intheU.S., (c)isnolaccompanied bytheremittance coupon
attached toyourelelement, (d)conisims move thanonepayment or
remittance coupon, (e)is notreceived in themmitlance envelope
If9352Al 01CS6302
-1-1ut915
Thisisanallempl debtandanyinformation
tocollec1a obtainedwin forthatpurpose.
beused
atelephone
"Byprovidng number
onyouaccougyouconsent
loSynchrony andanyother
Bank owner ofyouraccount
crservicer contacling
youabout
youraccount,
indudng anycon1act
using orcellphone
inbrmation numbers andyouconsent
youprcWde. tomeuseofanysubmatic
telephone andlor
sysism
dInfing anarBEdel
orrerecorded
voice
when even
you,
contacting i fyou for
sochargedme cell
u nder
your p¼n.
phone
Forcharges phone
ofaddress, number
andror please
emait 9teboxandprimithe
check changes
babw.
Street
Addra
State
Cdy,
ZIP
Phone
#
Ernal Home
Phone
# Business
Phone
# 'Cag
#orotherphone# EmailAddress
wecanusetocontact
you
youcanupdate
Remember, theabcue aswellasyour
inbrmation emad
address
ontma
atwww
mysynchiony
c.om
6 of 17
FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021
CAREC1ŒDIT/SYNCHRONY
BANK HELENSCO1T
CardholderName:
Account
Number: 3280
Statement Date
Closing 10f26t1016
-
npsynchrony
Previous
Ba1sece $2,2n.51 NewBalance 52,229.$4
+ NewPurchases 30.00 Minimum PaymentThisParied $110.00
- Payments 575.00 Amount Due
Past $10E.00
+/- Credits, & Adjustments
Fces (net) $37.00 TotalMintran=Psyment
Dne $218.00
+/- Interest
Charge
(net) $50,03 Payment.DueDate 11/12/2016
NewBalance $2,229.54PAYMENT DUEBY$P.M.BASTERN ONTHEDUEDATP.
convert intoanelectronic
yourpayment debit.See
CreditLùnit 52,700.00 Weanay
AvailableCredit S470.00
DayainBillingPeriod 31
LatePaymentWaming: Ifwedenotreceive yourTotal
Payonlinetorfreeat mysynchrony,com Minimum PaymentDoebythePaymcotDueDatelistedabove,
ForSynchrony Bankcustomer
service
ortoreportyour youmayhave topayahtcfeeupto$37.60,
cardlastarstolen,
caHb866893-7864-
M P W W
MW dy de hum
BesttimestocanareWednesday- Fdday. PsymentDuewinincrease
theamount youpayand
ofinterest
thetimmit
wkestonpeyyourbahmce,Forexample:
Onlytheminimum 12yeara $5,563.00
payment
Ifyouwouldlilosinfbemation creditcamseling
shout services
callI-877-302-8791
TranDate PastDate Reference
Number Description Ammmt
PAYMENT-
09/28l2016 09t28t20168534812MOD15MWHTQ WIANKYOU $7100CR
FEES
10/1t/2016 2D/18/2016 LATEFEE $37.00
TOTALFEESFORTHISPERIOD $3100
]NIEREST
CHARGED
I01267201610t26t2016 INTERESTCHARGE
ONPURCHASES $50.03
TOTALINTEREST
FORTHI5PERJDD 550.93
Fees Chargedin2014 5256.00
Interest
Chargedin2016 $1,09L52
TotalInterest
Psidin2016 $453,87
Expiration
Date Anupal Balance
Subject
to Intercat
Charge
TypeofBahnc* Percetage Interest
Rate
Rate(APR)
Purchases NA 26.99% $2,152.10 $50.03
* NOTICE:Secreverse
pideandadditiona (ifany)forimportant
pages infannation youracemmt.
conceming
53D2 OFn 2 7 23 36]026 DPAGE1 of 4 90723200C6a201CS3302
oNœ
Pay etmyguchnugeern
orandoma
uscagon your
wilh uheck. usebkie
PIssne crblach
Mk. -1
ACarecrëdit MWE
$218.00
$108.00
e EE @
11nB12016 $2.229.64
$2
3280
Payment
Enclosed:
New addrums
or•-metrf Payment
dueincludes
$ 108.00
pastdue.Please
paythepastduoamount
PROMPTl.Y.
5 Cheskthehexatiaitand
ptintchanges
onback
DTDFP1-TTAAF1FAADDAFADDFADFFFFDFFDFDFFDDTATFfDFAAADAF
FfTrAATFTFTIT
HELEN SCOTT
1214 PRESIDENT ET
B3t00KLYN NY11225-1606 MakeP ayment
to: SYNCHRONY BANK
POBOX96006)
ORLANDO. FL32896-0061
FFFAFADAAAFA FITFFTFATDDFFFFTDAFDATTAFFAFDFDFFPTIDFDDAADADFFFFDTPT
00218000007500 002180000222954 28062
7 of 17
FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020
NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021
Customat8trvice;Foraccount calthenumber
information, onthefrontofmisstatement.
ForHearingorSpeech useaTR$
Preview
FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021 AFFIDAVIT OF FACTS AND SALE OF ACCOUNT BY ORIGINAL CREDITOR State of Florida County of Seminole The undersigned, being duly sworn, deposes and says: 1. I am an employee of Syñchicñy Bank ("Original Creditor") formerly known as GE Capital Retail Bank and on June 2, 2014, GE Capital Retail Bank formally changed its name to Synchrony Bank, and I have personal knowledge of and access to Original Creditor's books and records ("Business Records"), including electronic records, relating to a pool of charged-off consumer credit accounts sold or assigned by Synchrony Bank to Cavalry SPV I LLC ("Debt Buyer"), on 2/22/2019 (the "Sale"), which included the account ("Account") of the consumer ("Consumer") XXXXXXXXXXXX3280 and identified in the exhibits attached hereto and incorporated herein. As part of the Sale, Original Creditor assigned all of its intereat in the Account, including the right to any proceeds from the Accounts, to Debt Buyer, and it transferred Business Records relating to the Account to Debt Buyer. A true and correct copy of the bill of sale or written assignment of the Account is attached as an exhibit to this affidavit. & 2. In my position, I also have personal knowledge of Original Creditor's procedures for creating and maintaining its Business Records, including its procedures relating to the sale and assignment of consumer credit accounts. Original Creditor's Business Records were made in the regular course of business and it was the regular course of such business to make the Business Records. The Business Records were made at or near the time of the events recorded. Based on my knowledge of Original Creditor's Business Records, I have personal knowledge of the facts set forth in this affidavit. 3. Original Creditor and Consumer were parties to a credit agreement ("Agreement"). Consumer agreed to pay Original Creditor for all goods, services and cash advances previded pursuant to the Agreement. The date and the amount of the last payrnent, if any, made by Consumer are set forth in an exhibit attached hereto and made a part hereof. A true and correct copy of the terms governing the account at the tirne of charge-off is attached as an exhibit to this affidavit. 4. At the time of Sale, Consumer owed the amount set forth in the exhibits attached hereto and made a part hereof, which also set forthof the Consumer; the name the last four digits of the Account number; the date and amount of the charge-off balance; the date and amount of the last payment, if any; the total amounts, if applicable, of any post-charge-off interest and post-charge- off fees and charges; and post-charge-off credits or páyments made by or on behalf of the Consumer; and the balance due at the time of the Sale. The above statements are true and correct to the best of my personal knowledge. Executed this 9th day of April, 2019 C Omaira Hernan Senior Media Aff avit Representative Sworn to and Subscribed before me this 9th day of April, 2019 GG 2UB45 Notary Public comm ssion # Commission ExpUes My NY AOS.L7-46 2017-St Paul 1 of 17 FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021 CERTIFICATE OF CONFORMITY UNDER NYS CLS CPLR § 2309(c) AND NYS CLS RPL § 299-a The undersigned does hereby certify that he/she is an attorney-at-law duly admitted to practice in the State of Florida and residing in the State of Florida; that he/she is a person duly qualified to make this certificate of conformity pursuant to Section 299-a of the Real Property Law of the State of New York; that he/she is fully acquainted with the laws of the State of Florida pertaining to the acknowledgment or proof of affidavits; that the acknowledgement or proof upon the foregoing Affidavit of Omaira Hernandez was taken by Devin Davis, a notary public in the State of Florida, in the manner prescribed by the laws of the State of Florida, being the state in which the Affidavit was taken; and, based on his/her review thereof, that the notarized Affidavit conforms to the laws of the State of Florida in all respects. Witness my signature this 9th day of April, 2019 Tyler Burich Attorney-at-law, State of Florida. 2 of 17 FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021 a¥MkM'MTNNir*WI . k Dom rsoont d PmtC . out & .. etter d js ment 280 CSMS 0 . SOLD . CARD. HELENSCOTT 1211PRESIDENTST . . BROOKLYN NY H2254606 3473053775 00110000000 .. . F stFacts pcove y Fpst Fe Coh io I ..... 3 of 17 FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021 synchrony BANK 4125 Windward Plaza Alpharetta, Ga. 30005-8378 BILL of SALE Cavalry (CBMS)-RF MP - February 2019 For value received and in further consideration of the mutual covenants and conditions set forth in the Accounts Purchase Agreement (the "Agreement"), dated as Pebruary 20, 2019, by and between Synchrony Bank formerly known as OE Capital Bank, RFS Retail Holding LLC and Retail Finance Credit Services, LLC., ( "Seller") and Cavalry SPV I, LLC("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Accounts as set forth in the Natification File (as deSned in the Agreement), delivered by Seller to Buyer on or about February 22, 2019, and as further described in the Agreement Synchrony By: AL Ken Wojcik Title: SVP Collections & Recovery RFS Holdin LC By- A^- Ken Wojcik Thle: Anorney in Fact Retail Financ Credi ervices, LLC . . By: Ken Wojcik Title: Attorney In Fact 4 of 17 FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021 CARECREDIT/SYNCHRONY BANK Name: HELENSCOTF CardhoMer Accatat Number : 3280 Statement Data: 04/23/2017 Closing Psynchrony Bahnce Previotts $2690.61, NewBalance 30.00 + NewPurchases 30.0s TotalMinimumPayment Due $897.00 - Paymems $0.00 PaymentDueDate 64/25/2017 +/- Credits, & A4ustments Fess (met) S‰690.6)-PAYMENT DUEBY5P.M.EASTERN ONTHEDUEDA'ML +/- Interest Charge (net) $0.00 Wemayconvertyourpayment iniaanelectronic debit,See NewBalance $0.00 reverse side. Credit Limit $2,700.00 Avanable Credit $0,00 LatePaymcotWaming: If wedonotreceiveyourTotal DaysinBillingFeriod 28 Maimum PaymentDuebythePaymentDueDatalistedabove, youmayhavetopayalatefeeupto338.00. forfinest mysynchteny.com Payanline ForSynchrony Bankcustomer serviceortoreport your Inst card o rstolca, onS(1466-893-7864). - Friday. tocallareWednesday Besttimes . . . . . TranDate PostDate Reference Number Descñption Amount 04/23/2017 04/23/2017Pe?MMaQoo990 CHARGEOFFACCOUNT-PRINCFALS $1,419.00 CR 04/23/2017 04/23/2017 CHARGEOPPACCOUNT-iNTEREST $1,309.61 CR CHARGE FEBS 04/]8/2017 04/18/2017 LATEFEB $3L00 TOTALFEES FORTHISFERIOD 538.00 CHAROBD INTEREST 04/23/2017 04/23/2017 INTEREST CHARGE ONPURCHASES $0.00 TOTALINTEREST FORTHISPERIOD $0.00 Fees Chargedin2017 S152.00 Charged Interest in2017 S168.90 Paidin2017 Totalinterest $0.00 . . Expiration Date Annus) Balance Subjcetto Interest Charge TypeofBalance Fercentage Interest Rate Rate(APR) Purchases NA 26.99% $0.00 $0.00 Inordertoprotect yoursecount weareunable privacy. account toprovide '±r±:e anyone otherthanthecardhelder(s) or . soamherizedputy.If youn-½ p---t ustospeaktoanauthorized pattysuchasaspouse about yoursecount,please send written totheGeneral authodration Inquhies addnss. Statementnotprovidedtocustomer. * NOTICE: sideandadditions Sccreverse pages informs" =.:--.Eg youraceosnt.. (ifany)forimportant 5302 DFH 1 S 13 170423 2XPAGEI of t 90123200 c6J201Cs53o2 payersne atmyrynenmay.comversoupon orendose anNyour enect riseseuse weorblacMnk. ½ CareCredit emmmi=ge±ayanswgst=ë=nmemmns gmma sames $897.90 40,0D 0425/2017 30.DD 3260 Enclosed Payment Neweddress ore-mall? Payment $0.00pasidue.Please dueincludes paythepastdueamount PROMPRY. Cheek theboxatfaftand printchartges onback A RDFTAADFADDFFFDDDA FFADAFFFFTDAFTTFAFAFWFFFWFTDFITDTFITFan HELENSCOTT 1214PRESIDENT ST BROOKLYN NY I1225-I606 MakePayment to; SYNCHRONY BANK PDBOX96006 I ORIANDO, FL32596-0D61 DIyfFATTDTAADDDDADTTF1TDATFDDAADDAFDFAFATFFDTAADAFFAATAAFF77FTTFDA 00000000007500 000000000000000 28062 5 of 17 FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021 Customer Servke: Foraccount information,callthenumber onthefloalofthisslatement FotHearing orSpeech dsabiliffes,useaTRS. Unless your name islistedonthisslatement, your eccess toinformalion onmeaccoung may belimiled. Youmayalsomailquestions (bulnol payments) loP,0.Box956033, FL Dylando,32898-5033. Please include your acco ninumber onany correspondence you sendtous. Paymenfer Bend payments lotheeddress listedon theremittance coupon oilhisslaiament portion atpayonime atwww mysvnchmny.com Overni¢tl PaymenirPaymeniscannot bemade n person, maapayments bSynchrony Bank.140Weldva Springs Road. Longzed, FL32779. Nethe-See below foryourBilingRights andother unportant information. Telephoning about bi'ling enors wiUnotpreserve yourrights under federaller Topreserve yourrights. pleasewrite10ourBilleginqukies Address, P-0.Box 9115035, Orlando, FL32896-5035. Purchases, relums andpayments modeustpilotb billing datemayac1sppear unbinextmonth's statement When youprovide acheck as payment youauthorize useither touse informalionfrom yourcheck 10m; keaone4me electronicfund transhr from your accounter loprocess the payment asacheck Iransaclion. When weuseinformation from yoschek10make anelectronichd transfer, kndsmaybe withdewn Immyour account esseonasthe samaday wereceive yourpaymentand youwal attraceiveyourcheck back from yourlinanonlinsEtution. Youmaychoose notlohave yotrpaymenicollected electronicallybysending yourp yment (wnh theremittance coupon), Inyourownenvelope - notthe enclosed remitlance envelope, addressed10:P0 Box 53D9110, Atlan GA 30353-0950 and not t hepayment address. WhatfeDeIt YouThinkYouFindAhilstake anYourStatement:provided or(f)Includes staples, paper cips.tape,abldedcheck or IfyouIhink there isanenoronyesstatement write10usat. conespondence of enytype.Conditional Payments AAwritten Bank, P.O.Bax965035, Orlando.FL32696-5035. commumcagons conceming dspvled emounts, includng any check or Synchrorry thatthepaymentconshtules inyourletter gkeusthefollowing infor maliort otherpaymentinstrumerit that. (I)indcates "paymedir orisiendered esfulsatisfactionof adisputed amouf • AccowHobrmalian Yourname andaccouninumber or (ii)is lendered wiihotherconditions or Emitations ('Dispuled +DoDar emounr·Thè dollar amount ofthesuspected erros Paymanis').must bemailed orderwered fousatPO.Box965035, • Descr ptionofproblem: Rtyouthinkthereisanerroronyourbill, Odando.FL32898.5035 descrbe whatyoubefieve is wrong undwhyyoubelieve 11is Credits ToYour Account: Anamount shown inparenthesis isacredit amislal:e. orcredfbalance unless otherwise indicated.Credis willbeapprmd b Youmustconlact uswithin60daysallertheenoIappeared on yomPrevkesbatanceimmedately uponrecept.bul wilnotsatisfy any yourstalernent requiredpsyment thatmay bedue. Youmost notify usofanypotential erroreb wriling Youmaycanus, CreditReportsandAscountInformathn: lf youbelieve that butifyoudowe arenotrequired toinvestigateany p otentialerrorsand we may have reported inaccuriam1ormation aboutyouto a youmay have topaytheamount inquestion. consumetrepot tingagancy, please c ontact ussi POBs 865038 Whileweilwealigate whether or nottherehasbeenanerror, the pando,R MEM Indo soplease identify meinaccurate se he. nformationand telluswhy youbel eveitismoorrect Ifyouhave acopy bkwing ofthe creditreport that i ncludes theinaccurate inkimation, please • Wecarinot trytocoRect theamount mquestion orreport you85 include a ofthatreportWemayreport infof abow your Mngst onmalamouM copy mailon account tocredtbureaus.Late payments, missed paymams, orother • Thecharge mquestion mayremain onyourstatemeni andwe may tiefaullson your account may befeGected inyourcredit report congnue tocharge youinterestonthatamous. 84 ifwedeterminego, gy Ibalwemeda a mistake. youwitnothave topaytheamount in etedy mepede rabb h 'daly quasilonoranymterest orother feestelatedio thatamount br each • While youdor101 dayin e biffing cycle. Wethenad heinbrest 10thadaiy haveto paytheamount a question youare balance. Togetme'daily bahnce wetakethebeginring balance ofyour responsblefortheremainder ofyourbalance. eccount each day(wf@includes unpaid Iribres1), addeny newcharges, • Wecanapply any unpami amoun1against your credilimit and appkable fees. and subtract ary payments orcredis. This g ivesus ThurRights ifYouAreDissedatind1Wlh¼ur Credit Card Pmchasesthedaily balance.Any daily babnce of essthanrerowMbetrealedes If youas dissatisiled withthegoods orservices metyouhave 2e10. Aseparatedaily wilbe balance calculated foreach balancetype on purchased wimyawcredilcard,andyouhave triedingood fahhto your accoumL Thebalancels)shounin theInterestCharges secEon ofmm conect iheprcblem wilhthememhant, youinayhave therightnotlo slalement ismesam o½eMy Wances foreach dayi e cyck amount dueonIhepurchase. diidedby menumbef oldays cycle. irtthebilling payIheremaining Noticer Ifyoufilebankruptcy youmustsendusnotice, Touse misright, asofthebliewing musibe Irue vanknrptcy meludog account number andallmlof malion related10 theproceedmg t Thepurchase must have beenmade inyourhome state orwithin 10 thefollowing address: synchany Bank, Attn:Banhuptcy Dept, 100mifesof yourcurrent mailog address, andthepurchase pricemust PAh96506t Or½ FO896-5061 haveteenmoreman560.(Nate: Neither ofthese areFrecessary if yourpurchase wasbased onanadzertisement wemailed toyev.or4 weownthecompany thatsakfyouthegoods orservices ) Your accormt isowned sadserylaedby Synchrony Bank, 2.You must have used yourcredtcardforthepurchase. Purchases mada withcash advances fromanATM orwithacheck thataccessesItssofInformanon Abouthe andVautAccount: QurFsivacy yourcredicard account danotqualify Polky descrbes ourcoRection anddisclosure ofinformation about you 3.Youmust notyethave hllypaidforthepurchase. and yew Account ifyou would lbanother copy o f he Privacy Policy, ghe 1fallof crilariaabove ammetendyouarestiltdissalistied withthe the please callusatthecustomer service telephone number indcated on contact usinwrmng at. ofthisstatement front purchase, Synchrony Bank P.O. Box965035, OrlandtFL326964035 WMe weinvestigate, thesame rules applyloIhedisputedamountas discussed above. Afterwefinishourinvasfgation, wewilltellyouour decision Atthalpoint, ifwethinkyouoweanamoum andyoudonot va pay may r eport you asdellnquent. information About Paymenls: Youmayatanytimepay,inwhole orinpart,the totetunpaid hatance without anyaddiGonal charge forprepayment, Paymentsreceivedafler 5:00FM(ET) onany daywill becrecited asofthenextdayCredtloyesaccount maybedelayed up tolivedays i fpayment (a)isnot r eceivedatthe payment address, b) is nolmada inU.S.detersdrawn ona U.S.linancial institullon located intheU.S., (c)isnolaccompanied bytheremittance coupon attached toyourelelement, (d)conisims move thanonepayment or remittance coupon, (e)is notreceived in themmitlance envelope If9352Al 01CS6302 -1-1ut915 Thisisanallempl debtandanyinformation tocollec1a obtainedwin forthatpurpose. beused atelephone "Byprovidng number onyouaccougyouconsent loSynchrony andanyother Bank owner ofyouraccount crservicer contacling youabout youraccount, indudng anycon1act using orcellphone inbrmation numbers andyouconsent youprcWde. tomeuseofanysubmatic telephone andlor sysism dInfing anarBEdel orrerecorded voice when even you, contacting i fyou for sochargedme cell u nder your p¼n. phone Forcharges phone ofaddress, number andror please emait 9teboxandprimithe check changes babw. Street Addra State Cdy, ZIP Phone # Ernal Home Phone # Business Phone # 'Cag #orotherphone# EmailAddress wecanusetocontact you youcanupdate Remember, theabcue aswellasyour inbrmation emad address ontma atwww mysynchiony c.om 6 of 17 FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021 CAREC1ŒDIT/SYNCHRONY BANK HELENSCO1T CardholderName: Account Number: 3280 Statement Date Closing 10f26t1016 - npsynchrony Previous Ba1sece $2,2n.51 NewBalance 52,229.$4 + NewPurchases 30.00 Minimum PaymentThisParied $110.00 - Payments 575.00 Amount Due Past $10E.00 +/- Credits, & Adjustments Fces (net) $37.00 TotalMintran=Psyment Dne $218.00 +/- Interest Charge (net) $50,03 Payment.DueDate 11/12/2016 NewBalance $2,229.54PAYMENT DUEBY$P.M.BASTERN ONTHEDUEDATP. convert intoanelectronic yourpayment debit.See CreditLùnit 52,700.00 Weanay AvailableCredit S470.00 DayainBillingPeriod 31 LatePaymentWaming: Ifwedenotreceive yourTotal Payonlinetorfreeat mysynchrony,com Minimum PaymentDoebythePaymcotDueDatelistedabove, ForSynchrony Bankcustomer service ortoreportyour youmayhave topayahtcfeeupto$37.60, cardlastarstolen, caHb866893-7864- M P W W MW dy de hum BesttimestocanareWednesday- Fdday. PsymentDuewinincrease theamount youpayand ofinterest thetimmit wkestonpeyyourbahmce,Forexample: Onlytheminimum 12yeara $5,563.00 payment Ifyouwouldlilosinfbemation creditcamseling shout services callI-877-302-8791 TranDate PastDate Reference Number Description Ammmt PAYMENT- 09/28l2016 09t28t20168534812MOD15MWHTQ WIANKYOU $7100CR FEES 10/1t/2016 2D/18/2016 LATEFEE $37.00 TOTALFEESFORTHISPERIOD $3100 ]NIEREST CHARGED I01267201610t26t2016 INTERESTCHARGE ONPURCHASES $50.03 TOTALINTEREST FORTHI5PERJDD 550.93 Fees Chargedin2014 5256.00 Interest Chargedin2016 $1,09L52 TotalInterest Psidin2016 $453,87 Expiration Date Anupal Balance Subject to Intercat Charge TypeofBahnc* Percetage Interest Rate Rate(APR) Purchases NA 26.99% $2,152.10 $50.03 * NOTICE:Secreverse pideandadditiona (ifany)forimportant pages infannation youracemmt. conceming 53D2 OFn 2 7 23 36]026 DPAGE1 of 4 90723200C6a201CS3302 oNœ Pay etmyguchnugeern orandoma uscagon your wilh uheck. usebkie PIssne crblach Mk. -1 ACarecrëdit MWE $218.00 $108.00 e EE @ 11nB12016 $2.229.64 $2 3280 Payment Enclosed: New addrums or•-metrf Payment dueincludes $ 108.00 pastdue.Please paythepastduoamount PROMPTl.Y. 5 Cheskthehexatiaitand ptintchanges onback DTDFP1-TTAAF1FAADDAFADDFADFFFFDFFDFDFFDDTATFfDFAAADAF FfTrAATFTFTIT HELEN SCOTT 1214 PRESIDENT ET B3t00KLYN NY11225-1606 MakeP ayment to: SYNCHRONY BANK POBOX96006) ORLANDO. FL32896-0061 FFFAFADAAAFA FITFFTFATDDFFFFTDAFDATTAFFAFDFDFFPTIDFDDAADADFFFFDTPT 00218000007500 002180000222954 28062 7 of 17 FILED: KINGS COUNTY CLERK 03/11/2021 11:15 AM INDEX NO. 522936/2020 NYSCEF DOC. NO. 5 RECEIVED NYSCEF: 03/11/2021 Customat8trvice;Foraccount calthenumber information, onthefrontofmisstatement. ForHearingorSpeech useaTR$