Preview
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF OSWEGO
INDEX NUMBER EFC-2023-1466
CAPITAL ONE, N.A. FILENO.N481341
PLAINTIFF, AFFIDAVIT OF FACTS
-AGAINST-
TIFFANI GADOUA
DEFENDANT(S).
1 of 11
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023
New York State Unified Court System nycourts.gov
ocS-ccR3 (o5/2022)
Affidavit of Facts
Page 1
by Original Creditor nycourthelp gov.
The undersigned, being duly sworn, deposes and says:
1. I, Alicia Wyche am a/an [Demployee Oofficer Omember] of Capital One, N.A. successor
by merger to Capital One Bank (USA), N.A. ("Plaintiff"), and I have access to Plaintiff's
books and records ("Business Records"), including electronic records, relating to the account
("Account") of TIFFANI GADOUA ("Defendant"). The last four digits of the Account number
are XXXXXXXXXXXX0377. In my position, I have personal knowledge of the procedures for
creating and maintaining Plaintiffs.Business Records. Plaintiffs 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 records were made at pr near the time of the events recorded. Based
on my review of Plaintiffs Business Records, I have personal knowledge of the facts set forth
in this affidavit.
2. [Çheck this paragraph if Servicer)
O Servicer is the servicer for the Plaintiff in the underlying action. Plaintiff has authorized
Servicer to service and maintain the Business Records relating to the Account, along with
giving testimony and executing affidavits, declarations, and certifications on behalf of Plaintiff
regarding the Account.
3. P}aintiff and Defendant entered into a credit agreement ("Agreement"). Defendant agreed to
pay Plaintiff for all goods, services and cash advances provided pursuant to the Agreement.
The amount of the last payment, if any, made by Defendant was $124.00, made on 08/12/2022
Defendant is now in default and demand foripayment has been made. A true and correct copy
oli the Agreement or the Agreement is/are attached as an exhibit to
document(s) evidencing
this affidavit.
4. [Check this paragraph if seeking judgment on an account stated cause of action}
O I have personal knowledge of Plaintiff's procedures for generating and mailing account
statements to customers. It is the regular practice of Plaintiffs business to provide periodic
account statements to its customers. On or about / / , Plaintiff.sent one or
more account statenients relating to the Account to Defendant stating the amount due as
$ . The account statement(s) were mailed to Defendant's last known
address and Plaintiffs records do not reflect that the statement(s) were returned by the post
office or that the Defendant objected to them. A true and correct copy of the final account
statement(s) is attached as an exhibit to this affidavit.
5. [Check this paragraph If seeking judgment on a revolving consumer credit account)
181 At this time, Defendant owes $4726.79 on the Account. This amount includes a charge-off
balance of $4726.79 post-charge-off interest of $00.00 post-charge-off fees and charges of
$00.00 less any post-charge-off credits or payments made by or on behalf of the Defendant of
$00.00.
ADA Accommodations Spoken or Sign Language Interpreters Slp
ada@nycourts.gov " 212-428-2760 interpreter@nycourts.gov " 646-386-5670
1-800-COURT-NY(268-7869)
2 of 11
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023
UCS-CCR3 (05/2022) Page 2
6. §Check this paragraph if seeking judgment on a non-revolving consumer credit account]
O At this time, Defendant owes $ on the Account. As set forth in the exhibits
attached hereto and made a part hereof, this amount is broken out by (i) principal; (ii) finance
charge or charges; (iii) fees imposed by the original creditor; (iv) collection costs; (v) attorney's
fees (vi) interest; and (vii) any other fees and charges, less any credits or payments made by
or on behalf of the Defendant of $ . .
7. As set forth in New York CPLR Article 50, the interest rate applicable to the Account pursuant
to section five thousand four of this chapter applies.
8. [ heck if not seeking post-judgment interest)
P@aintiff explicitly disclaims any right to post-judgment interest on this Account.
WHEREPORE, deponent demands judgment against Defendant for $4726.79 together with the costs
and disbursements of this action.
The above statements are true and correct to the best of my personal knowledge.
Dated: November /5 . 2023
Affiant Signaturd
Alicia Wyche
Commonwealth of Virginia, County of Henrico . Affiant Name
Sworn to before me this day
of November ,2023.
Public .. NOTARY . t
Notary
PUBUC °.
REG#7888968 .
MYCOMMISSION
. EXPl8ES
10/31/2024,..
c) f
3 of 11
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023
Capital One Account Itemization
Defendant's Full Name TIFFANI GADOUA
Last Payment Date 08/12/2022
Last Payment Amount $124.00
Charge Off Date 03/15/2023
Charge Off Amount $4726.79
Total Post Charge Off Interest $00.00
Total Post Charge Off Fees $00.00
Total Post Charge Off Credits $00.00
1014012169
A125
SELIP & STYLIANOU, LLP
4 of 11
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023
Page 1 of 3
Q U IC K S IL V E R QuicksilverOne Card I World Elite Mastercard ending in 0377
Cyde
ONE Jul 15, 2022 - Aug 14, 2022 I 31 days in Bimng
$3,91837
Previous Balance
Payment Due Date For online and phone payments, the
deadline is 8pm ET, - $124.00
Payments
ep $0.00
New Balance Minimum Payment Due Other Credits
Casf1 Advances + $0 00
paymen t
LATE PAYMENT WARNWG:lf we do not receive your rninimum
your due date you may have to pay a late fee of up to $40,00. . + $29 00
by Fees Charged
minirnum
WNIMUM PAYMENT WARNING:1f you make only the interest Charged + $81 91
you
payment each period, you will pay more in interest and it wiH take
example-
longer to pay off your balance. For
$3,900.00
Credit Urrñt
$0c00
Available Credit (as of Aug 14 2022)
Umit $3,150,00
Cash Advance Credit
Mirdmum Payment 19 Years $10029
$0,00
statement
Estlmated savings if balance is paid o f n ateut 3 years: $5
483 hr annual fee of $39 will be charged on your 09/2022
eall 1-8f184268055
It youwould&ainformation aboutcreditcoumdingservices,
Rewards Balance Track and redeem your rewar a with our
$7.38 mobae app or on annalomom
Previous Balance Eamed TMs Pedod Redeemed tMs pedod
$7.38 $0.00 to,oo
Account N¬tifications
statement for your Account Notifications,
Please check page 3 of this
Customer Service: 1-800-227-4825 See reverse for important Information .
caa¾talonasm
Pay or manage your account at
Save 6me, stay informed.
DBcover newfeatures with
the CapM One Mobile app
TIFFANI GADOUA
260 LOWER RD
CONSTANTIA NY 13044-2617
Account ending in 0377
Payment Due Date: Sep 08, 2022
Due Amount Enclosed capital one
New Balance Minimum Páyment
%"f!6492
$3,905348 $124s00 $ ____- coigy 92
to Capitd one If (li"l5NIII"5tl*}j5N" m"Ellfilluphrilag ulP
Mene sendwtNs portionof yourstatementandonlyonecheck(oronemoneyorde0payahfe
te ensmyour pement is processedpromptly.Allowat lentsoven bminessdaysfor delivery.
5 of 11
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023
If yn pay yourNewBalancein full by thedue e paggyogaggsps PFyr ? Whenyoumakea paymett you authoreeusto ini0an
fiMAllid2YPidhtiD216m3ENtrm2
thepumbaseb oce.If ACH or edronic paymentmal MI be &hited fmfa yourted aesunt a otherr&ted
eachmoFthma wü ed chargoMerestonnewtransedlonsht postto makeaprgment,youau¦orize us
In account.Whenyoupovideachec8ofcheckInforma6ordo
youhavewen payingin futiwithoutIntemstChays, btUM topayyourst NewBasce f4 transferfrom
wewill argeinterestonJhe impaid1ëance.WerestChargeson CashAdvances
andSpeýl to un informde fromthe cheekM makea one4meACHM &et electroric
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Trm rsart onthetransacdon date Promotionaloffers mayallowyouto pay lessthenthetoW
thw Bance ed avoidpayingintereston newtranadoes ht pod to yourpurchase
bdance fromyourbad accountassm n thesamedaym processyourpayawt
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balances
HNJL1MJ@W10M9tRgkdgd2 interestChargesaccree from the date of he Paymentht to theb&nce h th lowestAPR0aduding0%APR),andthanto
Interestaccrum higFer
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teareakth ke the trasadjorth prot*st or theht dayof the PEmgCy . h appy
on unpaidemount u dn it b pel in fat h restaccrued
daM9 a BalingCy matsto thebalancevdh theI est APR,andthe toh oceswe Wet APRA
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so the.prior
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Preview
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF OSWEGO INDEX NUMBER EFC-2023-1466 CAPITAL ONE, N.A. FILENO.N481341 PLAINTIFF, AFFIDAVIT OF FACTS -AGAINST- TIFFANI GADOUA DEFENDANT(S). 1 of 11 FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023 New York State Unified Court System nycourts.gov ocS-ccR3 (o5/2022) Affidavit of Facts Page 1 by Original Creditor nycourthelp gov. The undersigned, being duly sworn, deposes and says: 1. I, Alicia Wyche am a/an [Demployee Oofficer Omember] of Capital One, N.A. successor by merger to Capital One Bank (USA), N.A. ("Plaintiff"), and I have access to Plaintiff's books and records ("Business Records"), including electronic records, relating to the account ("Account") of TIFFANI GADOUA ("Defendant"). The last four digits of the Account number are XXXXXXXXXXXX0377. In my position, I have personal knowledge of the procedures for creating and maintaining Plaintiffs.Business Records. Plaintiffs 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 records were made at pr near the time of the events recorded. Based on my review of Plaintiffs Business Records, I have personal knowledge of the facts set forth in this affidavit. 2. [Çheck this paragraph if Servicer) O Servicer is the servicer for the Plaintiff in the underlying action. Plaintiff has authorized Servicer to service and maintain the Business Records relating to the Account, along with giving testimony and executing affidavits, declarations, and certifications on behalf of Plaintiff regarding the Account. 3. P}aintiff and Defendant entered into a credit agreement ("Agreement"). Defendant agreed to pay Plaintiff for all goods, services and cash advances provided pursuant to the Agreement. The amount of the last payment, if any, made by Defendant was $124.00, made on 08/12/2022 Defendant is now in default and demand foripayment has been made. A true and correct copy oli the Agreement or the Agreement is/are attached as an exhibit to document(s) evidencing this affidavit. 4. [Check this paragraph if seeking judgment on an account stated cause of action} O I have personal knowledge of Plaintiff's procedures for generating and mailing account statements to customers. It is the regular practice of Plaintiffs business to provide periodic account statements to its customers. On or about / / , Plaintiff.sent one or more account statenients relating to the Account to Defendant stating the amount due as $ . The account statement(s) were mailed to Defendant's last known address and Plaintiffs records do not reflect that the statement(s) were returned by the post office or that the Defendant objected to them. A true and correct copy of the final account statement(s) is attached as an exhibit to this affidavit. 5. [Check this paragraph If seeking judgment on a revolving consumer credit account) 181 At this time, Defendant owes $4726.79 on the Account. This amount includes a charge-off balance of $4726.79 post-charge-off interest of $00.00 post-charge-off fees and charges of $00.00 less any post-charge-off credits or payments made by or on behalf of the Defendant of $00.00. ADA Accommodations Spoken or Sign Language Interpreters Slp ada@nycourts.gov " 212-428-2760 interpreter@nycourts.gov " 646-386-5670 1-800-COURT-NY(268-7869) 2 of 11 FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023 UCS-CCR3 (05/2022) Page 2 6. §Check this paragraph if seeking judgment on a non-revolving consumer credit account] O At this time, Defendant owes $ on the Account. As set forth in the exhibits attached hereto and made a part hereof, this amount is broken out by (i) principal; (ii) finance charge or charges; (iii) fees imposed by the original creditor; (iv) collection costs; (v) attorney's fees (vi) interest; and (vii) any other fees and charges, less any credits or payments made by or on behalf of the Defendant of $ . . 7. As set forth in New York CPLR Article 50, the interest rate applicable to the Account pursuant to section five thousand four of this chapter applies. 8. [ heck if not seeking post-judgment interest) P@aintiff explicitly disclaims any right to post-judgment interest on this Account. WHEREPORE, deponent demands judgment against Defendant for $4726.79 together with the costs and disbursements of this action. The above statements are true and correct to the best of my personal knowledge. Dated: November /5 . 2023 Affiant Signaturd Alicia Wyche Commonwealth of Virginia, County of Henrico . Affiant Name Sworn to before me this day of November ,2023. Public .. NOTARY . t Notary PUBUC °. REG#7888968 . MYCOMMISSION . EXPl8ES 10/31/2024,.. c) f 3 of 11 FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023 Capital One Account Itemization Defendant's Full Name TIFFANI GADOUA Last Payment Date 08/12/2022 Last Payment Amount $124.00 Charge Off Date 03/15/2023 Charge Off Amount $4726.79 Total Post Charge Off Interest $00.00 Total Post Charge Off Fees $00.00 Total Post Charge Off Credits $00.00 1014012169 A125 SELIP & STYLIANOU, LLP 4 of 11 FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023 Page 1 of 3 Q U IC K S IL V E R QuicksilverOne Card I World Elite Mastercard ending in 0377 Cyde ONE Jul 15, 2022 - Aug 14, 2022 I 31 days in Bimng $3,91837 Previous Balance Payment Due Date For online and phone payments, the deadline is 8pm ET, - $124.00 Payments ep $0.00 New Balance Minimum Payment Due Other Credits Casf1 Advances + $0 00 paymen t LATE PAYMENT WARNWG:lf we do not receive your rninimum your due date you may have to pay a late fee of up to $40,00. . + $29 00 by Fees Charged minirnum WNIMUM PAYMENT WARNING:1f you make only the interest Charged + $81 91 you payment each period, you will pay more in interest and it wiH take example- longer to pay off your balance. For $3,900.00 Credit Urrñt $0c00 Available Credit (as of Aug 14 2022) Umit $3,150,00 Cash Advance Credit Mirdmum Payment 19 Years $10029 $0,00 statement Estlmated savings if balance is paid o f n ateut 3 years: $5 483 hr annual fee of $39 will be charged on your 09/2022 eall 1-8f184268055 It youwould&ainformation aboutcreditcoumdingservices, Rewards Balance Track and redeem your rewar a with our $7.38 mobae app or on annalomom Previous Balance Eamed TMs Pedod Redeemed tMs pedod $7.38 $0.00 to,oo Account N¬tifications statement for your Account Notifications, Please check page 3 of this Customer Service: 1-800-227-4825 See reverse for important Information . caa¾talonasm Pay or manage your account at Save 6me, stay informed. DBcover newfeatures with the CapM One Mobile app TIFFANI GADOUA 260 LOWER RD CONSTANTIA NY 13044-2617 Account ending in 0377 Payment Due Date: Sep 08, 2022 Due Amount Enclosed capital one New Balance Minimum Páyment %"f!6492 $3,905348 $124s00 $ ____- coigy 92 to Capitd one If (li"l5NIII"5tl*}j5N" m"Ellfilluphrilag ulP Mene sendwtNs portionof yourstatementandonlyonecheck(oronemoneyorde0payahfe te ensmyour pement is processedpromptly.Allowat lentsoven bminessdaysfor delivery. 5 of 11 FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 12/11/2023 If yn pay yourNewBalancein full by thedue e paggyogaggsps PFyr ? Whenyoumakea paymett you authoreeusto ini0an fiMAllid2YPidhtiD216m3ENtrm2 thepumbaseb oce.If ACH or edronic paymentmal MI be &hited fmfa yourted aesunt a otherr&ted eachmoFthma wü ed chargoMerestonnewtransedlonsht postto makeaprgment,youau¦orize us In account.Whenyoupovideachec8ofcheckInforma6ordo youhavewen payingin futiwithoutIntemstChays, btUM topayyourst NewBasce f4 transferfrom wewill argeinterestonJhe impaid1ëance.WerestChargeson CashAdvances andSpeýl to un informde fromthe cheekM makea one4meACHM &et electroric maybe dhdraun yourbankaccountWe imy alsoprocessit asa checktransaction.FuMs Trm rsart onthetransacdon date Promotionaloffers mayallowyouto pay lessthenthetoW thw Bance ed avoidpayingintereston newtranadoes ht pod to yourpurchase bdance fromyourbad accountassm n thesamedaym processyourpayawt Seathefroniof yewdatementfor additionalinformahn, _Hgyuto yAu_&pplyA Paygntt We generallyappy payrre up to your Minimwn balances HNJL1MJ@W10M9tRgkdgd2 interestChargesaccree from the date of he Paymentht to theb&nce h th lowestAPR0aduding0%APR),andthanto Interestaccrum higFer APRs.We sy prt d your pepreat excerdm your54mtPayment to teareakth ke the trasadjorth prot*st or theht dayof the PEmgCy . h appy on unpaidemount u dn it b pel in fat h restaccrued daM9 a BalingCy matsto thebalancevdh theI est APR,andthe toh oceswe Wet APRA edy enry You mayowe youraccountat the end of the Billingcyclesid appearson yournextstatement g@g½ghta8gyggglgnant/jpp£ppnilpdggg ApmcÈ) so the.prior WerestChargesevenif you py the she NewB no on month but did notdo a an month.0nceyoustal acet•g derest Clwges,yougenedly frmt payyourNer8&nce in M WhatTo Do Nyou Thî You FindA Watse on Your Statementdfyouthi& thee two consern5veBMng Cy s beforeterest Chargesstop bdng postedto your Statemeri ermronyoursWemet writetoa at WesestChargesas addedto theccessponding segmentofyouraccount PA Box30285,SaftLaketity,UT PA130-0285. a•àrmmWesestChargeof in yourtetter ìveW thefdevrm thfortrcason: DA wa astes a MirHmum1ntereptCharoof We may assessa >Accountinfcagot Yoursme sM accoastnumber. $0.00foreachBillingCydeif youraccount18subjecttoan WarestChWe. Dollaramount:Thedebt emountofh suspected enor. 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