On January 18, 2024 a
Exhibit,Appendix
was filed
involving a dispute between
Cavalry Spv I, Llc, As Assignee Of Synchrony Bank,
and
Joseph M Romen,
for Other Matters - Consumer Credit (Card) Debt Buyer Plaintiff
in the District Court of Chemung County.
Preview
FILED: CHEMUNG COUNTY CLERK 01/18/2024 09:20 AM INDEX NO. 2024-5066
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/18/2024
CARECREDIT/SYNCHRONY BANK JOSEPHMROMEN
AccountNumber: 5237
Statement
ClosingDate: 06/12/2022
'
Summary of Account Activity Pa^riieIt Infärmationd . .
PreviousBalance $2,512.65 NewBalance $2,610.24
+ NewPurchases $0.00 Minimum Payment
ThisPeriod $238.00
- Payments $0.00 AmountPastDue $1,132.00
+/- Credits,Fees&Adjustments
(net) $41.00 Total MinimumPaymentDue $1,370.00
+/- InterestCharge(net) $56.59 PaymentDueDate 07/05/2022
NewBalance $2,610.24 PAYMENTDUEBY5 P.M.EASTERNONTHEDUEDATE.
Wemayconvertyourpayment debit.See
intoanelectronic
CreditLimit [ $750.00 reverse side.
AvailableCredit I $0.00
Overtimit
Amount $1,860.24
DaysIn Billing Period 30 Late PaymentWarnIng:IfwedonotreceiveyourTotal
Minimum Payment DuebythePaymentDueDatelistedabove,
Pay online for free at: mysynchrony.com youmayhaveto paya latefeeupto$41.00.
For Synchrony Bank customerserviceor to report your MinimumPaymentWarning: MakingonlytheTotalMinimum
card lost or stolen, call (1-866-893-7864). Payment Duewillincreasetheamountofinterestyoupayand
BesttimestocallareWednesday - Friday. thetimeittakesto repayyourbalance.Forexample:
If you makeno You will pay off And you will end up
additionalcharges the balanceshown paying an estimatec
using thIs card and on this statement total of ...
eachmonth you In about...
pay ...
Onlytheminimum 9 months $2,787.00
payment
Ifyouwouldlikeinformation
aboutcreditcounseling
services,
call1-877-3024797.
Transaction Summary .
TranDate PostDate Ñumber
Reference Description Amount
FEES
06/05/2022 08/05/2022 LATEFEE $41.00
TOTALFEESFORTHISPERIOD $41.00
INTERESTCHARGED
06/12/2022 06/12/2022 INTEREST
CHARGE ONPURCHASES $56.59
TOTALINTERESTFORTHISPERIOD $56.59
2022Totals Year-to-Date
TotalFeesCharged in2022 $241.00
TotalInterestChargedin2022 $1,968.14
TotalInterestPaidin2022 $234.00
Interest Charge Calculation n . .
ExpiratonDate Annual BalanceSubjectto InterestCharge
Typeof Balance Percentage InterestRate
Rate(APR)
Purchases NA 26.99% $2,550.73 $56.59
* NOTICE:Seereversesideandadditional
pages(if any)forimportant
information youraccount.
concerning
53D2 DFH 1 7 10 220612 EXPAGE
1 of 3 9072 3600 C6K201DG5302
Payonline thiscoupon
orendose
etmysynchrony.com withyourcheck. useblueorblack
Please ink.
TotalMinmum PastDue Payment New AccountNumber
PaymentDue Amount DueDate Balance
$1,370.00 $1,132.00 07/05/2022 $2,610.24 5237
PaymeIt Enclosed:
Newaddressoremall? Payment
dueIndudes
$ 1,132.00 paythepostduesmount
pastdue.Please PROMPTLY.
Checktheboxatleftand
printchangesonback
JOSEPHMROMEN
GROVERD
400HICKORY
HORSEHEADSNY14845-1245 MakePayment
to: SYNCHRONYBANK
POBOX980061
FL328964061
ORLANDO,
FILED: CHEMUNG COUNTY CLERK 01/18/2024 09:20 AM INDEX NO. 2024-5066
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/18/2024
Cardholder News & Iriformatior
Inorderto protectyouraccountprivacy,weareunableto provideaccountinformation
toanyoneotherthanthecardholder(s)
or
anauthorized party.If youwishto permitustospeaktoanauthorized
partysuchasaspouseaboutyouraccount,pleasesend
writtenauthorization
to theGeneralInquiriesaddress.
Ifyouneedassistance withanaccommodstion foryourstatementsand/oraccountletters,pleasecall800-292-7508.
Pleasebeawareof achangethatmayimpactthechargesallowedonyourCareCredit account.CareCreditwillnowpermit
providers tochargeforservicesthatmaynotbecompleted
incertainindustries or provided
within30daysoftheinitialcharge,
inadditiontocustomproductsandorthodontic servicesthatwerepreviously
allowed.
IfyouneedtocontactSynchrony aboutthelossofa Synchrony youcansubmita deceased
cardholder, notification
form
locatedatwww.syf.com underthe'ContacfUs'page.
Youcanpayyourbillonlineoroverthephone.WenoticedyouNebeenenjoyingoureasypaperlesspayment options,sowe
willnolongerbeincludingreturnenvelopes.
Youcanmakethingseveneasierbyselecting
thepapertess
statementoptionon
youraccountonline.
YOURACCOUNTISPASTDUE.PLEASE
PAYTHEMINIMUMPAYMENTDUEOR
CONTACT
THISOFFICEATTHEPHONENUMBERLISTEDONYOURSTATEMENT.
5302 DFH 1 7 10 220612 EXPAGE
2 of 3 9072 3600 C6K2OlDG5302
FILED: CHEMUNG COUNTY CLERK 01/18/2024 09:20 AM INDEX NO. 2024-5066
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/18/2024
|
5302 DFH 1 7 10 220612 EXPAGE
3 of 3 9072 3600 C6K2OlDG5302
Document Filed Date
January 18, 2024
Case Filing Date
January 18, 2024
Category
Other Matters - Consumer Credit (Card) Debt Buyer Plaintiff
For full print and download access, please subscribe at https://www.trellis.law/.
Preview
FILED: CHEMUNG COUNTY CLERK 01/18/2024 09:20 AM INDEX NO. 2024-5066 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/18/2024 CARECREDIT/SYNCHRONY BANK JOSEPHMROMEN AccountNumber: 5237 Statement ClosingDate: 06/12/2022 ' Summary of Account Activity Pa^riieIt Infärmationd . . PreviousBalance $2,512.65 NewBalance $2,610.24 + NewPurchases $0.00 Minimum Payment ThisPeriod $238.00 - Payments $0.00 AmountPastDue $1,132.00 +/- Credits,Fees&Adjustments (net) $41.00 Total MinimumPaymentDue $1,370.00 +/- InterestCharge(net) $56.59 PaymentDueDate 07/05/2022 NewBalance $2,610.24 PAYMENTDUEBY5 P.M.EASTERNONTHEDUEDATE. Wemayconvertyourpayment debit.See intoanelectronic CreditLimit [ $750.00 reverse side. AvailableCredit I $0.00 Overtimit Amount $1,860.24 DaysIn Billing Period 30 Late PaymentWarnIng:IfwedonotreceiveyourTotal Minimum Payment DuebythePaymentDueDatelistedabove, Pay online for free at: mysynchrony.com youmayhaveto paya latefeeupto$41.00. For Synchrony Bank customerserviceor to report your MinimumPaymentWarning: MakingonlytheTotalMinimum card lost or stolen, call (1-866-893-7864). Payment Duewillincreasetheamountofinterestyoupayand BesttimestocallareWednesday - Friday. thetimeittakesto repayyourbalance.Forexample: If you makeno You will pay off And you will end up additionalcharges the balanceshown paying an estimatec using thIs card and on this statement total of ... eachmonth you In about... pay ... Onlytheminimum 9 months $2,787.00 payment Ifyouwouldlikeinformation aboutcreditcounseling services, call1-877-3024797. Transaction Summary . TranDate PostDate Ñumber Reference Description Amount FEES 06/05/2022 08/05/2022 LATEFEE $41.00 TOTALFEESFORTHISPERIOD $41.00 INTERESTCHARGED 06/12/2022 06/12/2022 INTEREST CHARGE ONPURCHASES $56.59 TOTALINTERESTFORTHISPERIOD $56.59 2022Totals Year-to-Date TotalFeesCharged in2022 $241.00 TotalInterestChargedin2022 $1,968.14 TotalInterestPaidin2022 $234.00 Interest Charge Calculation n . . ExpiratonDate Annual BalanceSubjectto InterestCharge Typeof Balance Percentage InterestRate Rate(APR) Purchases NA 26.99% $2,550.73 $56.59 * NOTICE:Seereversesideandadditional pages(if any)forimportant information youraccount. concerning 53D2 DFH 1 7 10 220612 EXPAGE 1 of 3 9072 3600 C6K201DG5302 Payonline thiscoupon orendose etmysynchrony.com withyourcheck. useblueorblack Please ink. TotalMinmum PastDue Payment New AccountNumber PaymentDue Amount DueDate Balance $1,370.00 $1,132.00 07/05/2022 $2,610.24 5237 PaymeIt Enclosed: Newaddressoremall? Payment dueIndudes $ 1,132.00 paythepostduesmount pastdue.Please PROMPTLY. Checktheboxatleftand printchangesonback JOSEPHMROMEN GROVERD 400HICKORY HORSEHEADSNY14845-1245 MakePayment to: SYNCHRONYBANK POBOX980061 FL328964061 ORLANDO, FILED: CHEMUNG COUNTY CLERK 01/18/2024 09:20 AM INDEX NO. 2024-5066 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/18/2024 Cardholder News & Iriformatior Inorderto protectyouraccountprivacy,weareunableto provideaccountinformation toanyoneotherthanthecardholder(s) or anauthorized party.If youwishto permitustospeaktoanauthorized partysuchasaspouseaboutyouraccount,pleasesend writtenauthorization to theGeneralInquiriesaddress. Ifyouneedassistance withanaccommodstion foryourstatementsand/oraccountletters,pleasecall800-292-7508. Pleasebeawareof achangethatmayimpactthechargesallowedonyourCareCredit account.CareCreditwillnowpermit providers tochargeforservicesthatmaynotbecompleted incertainindustries or provided within30daysoftheinitialcharge, inadditiontocustomproductsandorthodontic servicesthatwerepreviously allowed. IfyouneedtocontactSynchrony aboutthelossofa Synchrony youcansubmita deceased cardholder, notification form locatedatwww.syf.com underthe'ContacfUs'page. Youcanpayyourbillonlineoroverthephone.WenoticedyouNebeenenjoyingoureasypaperlesspayment options,sowe willnolongerbeincludingreturnenvelopes. Youcanmakethingseveneasierbyselecting thepapertess statementoptionon youraccountonline. YOURACCOUNTISPASTDUE.PLEASE PAYTHEMINIMUMPAYMENTDUEOR CONTACT THISOFFICEATTHEPHONENUMBERLISTEDONYOURSTATEMENT. 5302 DFH 1 7 10 220612 EXPAGE 2 of 3 9072 3600 C6K2OlDG5302 FILED: CHEMUNG COUNTY CLERK 01/18/2024 09:20 AM INDEX NO. 2024-5066 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/18/2024 | 5302 DFH 1 7 10 220612 EXPAGE 3 of 3 9072 3600 C6K2OlDG5302