Preview
FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024
CONSUMER CREDIT TRANSACTION
Date Purchased:
SUPREME COURT OF THE STATE OF NEW YORK Index №
COUNTY OF KINGS X
Cavalry SPV I, LLC SUMMONS
Plaintiff, Plaintiff's Address:
-against- 1 American Lane, Suite 220
Greenwich CT 06831
ANA E CASTILLO
Defendant(s).
The Basis of Venue is:
CPLR SEC. 503(f). Defendants
residence is in the County of KINGS.
X
Defendant(s) Address:
DEF1- 1239 STANLEY AVE APT 3H, BROOKLYN NY 11208-5637
TO THE ABOVE NAMED DEFENDANT(S):
YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your
answer on the Plaintiff's Attorney(s) within 20 days after the service of this summons, exclusive of the day of
service, or within 30 days after service is complete if this summons is not personally delivered to you within the
State of New York; and in the case of your failure to appear or answer, judgment will be taken against you by
default for the relief demanded in the complaint.
We are attorneys attempting to collect a debt. Any information obtained will be used for that purpose.
Dated: March 28, 2024
Matter # 515220 ____________________________
Stephen Einstein Scott Morris
Anthony S. Poulin Dianne Ramdeen
Sharil Clarke Joseph G. Devine
Chester Andrew Guala Gerard W. DeStefano
Richa Bhandari
Tromberg, Morris & Poulin, PLLC.
Attorneys for the Plaintiff
39 Broadway, Suite 1250
New York, N.Y. 10006
(212) 267-3550
*SM0000515220*
S_S_SUP-SUM
1 of 16
FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024
SUPREME COURT OF THE STATE OF NEW YORK INDEX №:
COUNTY OF KINGS
Cavalry SPV I, LLC
Plaintiff,
-against-
COMPLAINT
ANA E CASTILLO
Defendant(s).
Plaintiff, by its undersigned attorneys, complaining of the Defendant(s), respectfully alleges
that:
1. Plaintiff is an active foreign entity conducting business in the state of CT. Plainiff is licensed by the
NYC Department of Consumer Affairs, Debt Collection Agency License #1327348.
2. Upon information and belief, the Defendant(s) resides or has an office in the venue in which this
action is brought, or the Defendant(s) transacted business within the venue in which this action is brought,
either in person or through an agent, and the instant cause of action arose out of said transaction.
3. Based upon a reasonable inquiry, the Statute of Limitations for the cause of action asserted herein
has not expired.
AS AND FOR A FIRST CAUSE OF ACTION
4. Upon information and belief the Defendant(s) hereto entered into a Revolving Credit Account
Agreement (hereinafter "Account") with Synchrony Bank (hereinafter "Original Creditor"), the Original
Creditor as defined by CPLR §105(q-1), bearing an account number on the most recent statement ending
in #XXXXXXXXXXXX8027, as so evidenced in the statement attached hereto, wherein Defendant(s)
agreed to pay Original Creditor all amounts charged to said Account.
5. Upon information and belief, Defendant(s) incurred charges by use of the said Account and
defaulted. As a result of the Defendant’s default the Original Creditor closed the Account and
subsequently charged it off on 05/22/2022 in the amount of $3,950.63. Pursuant to CPLR §3016(j) a
copy of the Charge-Off Statement is attached hereto.
6. Susequently, the Original Creditor sold/ assigned the Account, including all rights, title and interest
in and to the outstanding balance owed by Defendant(s). Plaintiff, purchased and/or took by assignment
the account herein on or about 12/14/2023. The complete chain of sale and assignment and dates sold
and/or assigned are as follows:
Assignor Date of Transfer Amt. at Time of Transfer
Transfer 1: Synchrony Bank 12/14/2023 $3,910.63
7. Upon information and belief the date of last payment on this account was 10/16/2021 in the amount
of $200.00.
S_S_COM-RTL
2 of 16
FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024
8. At this time, Defendant(s) owes $3,910.63 on the Account. This amount includes a charge-off
balance of $3,950.63, post-charge-off interest of $0.00, non-interest charges or fees accrued since charge-
off of $0.00, less any post-charge-off credits or payments made by or on behalf of the Defendant of $40.00;
and that amount has not been paid despite due demand.
WHEREFORE, Plaintiff demands judgment against Defendant(s) in the sum of $3,910.63, plus costs
and disbursements.
CERTIFICATION: Deponent is an attorney associated with Tromberg, Morris & Poulin, PLLC. Deponent
certifies that, to the best of their knowledge, information and belief, formed after an inquiry reasonable
under the circumstances, the presentation of the paper or the contentions therein are not frivolous as defined
in section 130-1.1(c) of the Chief Administrative Judge, and an initiating pleading, the matter was not
obtained through illegal conduct, and the matter was not obtained in violation of Part 1200. Rule 4.5 of this
Title. Affirmed this 28th day of March, 2024.
____________________________
Matter # 515220 Stephen Einstein Scott Morris
Anthony S. Poulin Dianne Ramdeen
Sharil Clarke Joseph G. Devine
Chester Andrew Guala Gerard W. DeStefano
Richa Bhandari
S_S_COM-RTL
3 of 16
FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024
EXHIBIT “A”
(CHARGE-OFF/ LAST STATEMENT)
Matter #: 515220
S_EXH-COSM
4 of 16
FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX
PM NO. 510781/2024
NYSCEF DOC. NO. &1SON/SYNCHRONY
P C RICHARD BANK ANA E CASTILLO RECEIVED NYSCEF: 04/15/2024
Account Number : 8027
Statement Closing Date: 05/22/2022
f synchrony
Summary of Account Activity Payment Information
Previous Balance $3,910.63 New Balance $0.00
+ New Purchases $0.00 Total Minimum Payment Due $1,068.00
- Payments $0.00 Payment Due Date 05/24/2022
+/- Credits, Fees & Adjustments (net) ($3,910.63) Promotion(s) expiring shortly - see promotional boxes below for
+/- Interest Charge (net) $0.00 details
New Balance $0.00
PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.
Credit Limit $4,600.00 We may convert your payment into an electronic debit. See
Available Credit $0.00 reverse side.
Days in Billing Period 30
Late Payment Warning: If we do not receive your Total
Minimum Payment Due by the Payment Due Date listed above,
Sy chrony Bank c stomer ervice r to report your
you may have to pay a late fee up to $40.00.
card lost or stolen, call 1-877-800-4727.
Best times to call are Wednesday - Friday.
Promotional Expiration Notification
YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED
INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT
FOR FURTHER DETAILS. YOU HAVE A PROMOTION(S) EXPIRING ON 07/24/22 AND 09/23/22.
Promotional Purchase Summary
Promotional Promotional Deferred Tran Date Description Initial
Expiration Balance Interest Charge Purchase
Date Amount
e ed Intemsmo Inteæst Pad In
07/24/2022 $3,066.20 $0.00 06/24/2020 $3,810.53
e ened Intemsmo Inteæst Pad In
09/23/2022 $526.61 $0.00 09/18/2020 $526.61
A summary of your promotional purchase is provided above.
If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges
on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date.
To make more than one payment see Make Payment To address or pay online at mysynchrony.com.
Transaction Summary
Tran Date Post Date Reference Number Description Amount
05/22/2022 05/22/2022 F907100GY00999990 CHARGE OFF ACCOUNT-PRINCIPALS ($3,592.81)
05/22/2022 05/22/2022 F907100GY00999990 CHARGE OFF ACCOUNT-INTEREST ($357.82)
CHARGE
FEES
05/16/2022 05/16/2022 LATE FEE $40.00
TOTAL FEES FOR THIS PERIOD $40.00
INTEREST CHARGED
05/22/2022 05/22/2022 INTEREST CHARGE ON PURCHASES $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2022 Totals Year-to-Date
Total Fees Charged in 2022 $200.00
Total Interest Charged in 2022 $21.10
Total Interest Paid in 2022 $0.00
* NOTICE: See reverse side and additional pages (if
any) for important information concerning your account.
5302 CYH 1 3 21 220522 Z DPAGE 1 of 3 9071 0300 PCJ9 01DG5302
Payonlineat mysynchrony.com
or enclosethiscouponwithyourcheck.Pleaseuseblueor blackink.
Account Number 8027
ree cosy say re s ess res,gf- Total Minimum Past Due Payment
Urgent.
New
Payment Due Amount Due Date Balance
Promot s) expinng
$1,068.00 $0.00 05/24/2022
Payment Enclosed :
New address or e-mail? Payment due includes $ 0.00 past due. Please pay the past due amount PROMPTLY.
Check the box at left and
NOTE: You have a Promotional Purchase Expiring. See Promotional Purchase Summary For Details.
print changes on back
ANA E CASTILLO
1239 STANLEY AVE APT 3H
Make Payment to: SYNCHRONY BANK
BROOKLYN NY 11208-5637
PO BOX 960061
ORLANDO, FL 32896-0061
5 of 16
FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX
PM NO. 510781/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024
Customer Service: For account information, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS.
Unless your name is listed on this statement, your access to informationon the account may be limited. You may also mail questions (but not
payments) to: P.O.Box 965033, Orlando, FL 32896-5033. Pleaseincludeyour account numberon any correspondenceyou send to us.
Payments: Send paymentsto the address listed on the remittancecoupon portion of this statementor pay online at www.mysynchrony.com.
OvernightPayments: Paymentscannotbe madein person,mailpaymentsto SynchronyBank, 140WekivaSpringsRoad,Longwood,FL 32779.
Notice: See below for your Billing Rights and other important information. Telephoningabout billing errors will not preserve your rights under
federal law. To preserve your rights, please write to our Billing InquiriesAddress, P.O.Box 965035, Orlando, FL 32896-5035.
Purchases, returns and payments made just prior to billing date may r of appear until next month's statement.When you provide a check as
payment,you authorizeus eitherto use informationfromyour checkto mµkea one-timeelectronicfund transferfromyour accountor to processthe
paymentas a checktransaction.Whenwe use informationfromyour checkto makean electronicfund transfer,funds may be withdrawnfromyour
accountas soonas the same day we receiveyour paymentandyou will nct receiveyour checkbackfromyourfinancialinstitution.You may choose
not to have your payment collected electronically by sending your piyment (with the remittance coupon) in your own envelope - not the
enclosed remittance envelope, addressed to: PO Box 530960,Atlanta, GA 30353-0960and not the payment address.
What ToDo If You Think You Find A Mistake On Your Statement: Conditional Payments: AII written communications concerning
If you think there is an error on your statement, write to us at: disputedamounts,includingany checkorotherpaymentinstrumentthat:
full"
(i) indicatesthat the paymentconstitutes"paymentin or is tendered
SynchronyBank, P.O.Box 965035, Orlando, FL 32896-5035.
as full satisfaction of a disputed amount, or (ii) is tendered with other
Inyour letter give us the following information:
conditions or limitations ("Disputed Payments"), must be mailed or
" Account information:Your name and account number deliveredto us at
" Dollar amount:The dollar amountof the suspected error
P.O.Box965035 Orlando FL 32896-5035.
" Description of problem: If you think there is an error on your bill
Credits To Your Account: An amountshown in parenthesisis a credit
describe what you believe is wrong and why you believe it is
or credit balance unless otherwise indicated.Credits will be applied to
a mistake
your previousbalance immediatelyupon receipt, but will not satisfy any
You must contact us within 60 days after the error appeared on
requiredpaymentthat may be due.
your statement.
Credit Reports and Account Information: If you believe that
You must notify us of any potential errors in writing. You may call us
we may have reported inaccurate information about you to a
but if you do we are not requiredto investigateany potentialerrors ancÍ
you may haveto pay the amount in question. consumer-reporting agency, please contact us at P.O. Box 965036,
. Orlando, FL 32896-5036. In doing so please identify the inaccurate
While we investigate whether or not there has been an error, the
informationand tell us why you believeit is incorrect. Ifyou havea copy
following are true: of the credit report that includes the inaccurate information, please
" We cannot try to collect the amount in question or report you as
include a copy of that report. We may report information about your
delinquenton that amount. account to credit bureaus. Late payments, missed payments, or other
" The charge in question may remain on your statement and we may
defaultson your account may be reflected in your credit report.
continueto chargeyou intereston that amount. But, if we determine
How We Calculate Interest: We figure the interest charge on your
that we made a mistake, you will not have to pay the amount in balance"
accountby applyingtheperiodicrateto the "daily ofyouraccount
questionor any interestor other fees relatedto that amount.
for each day in the billing cycle. We then add the interestto the daily
" While you do not have to pay the amount in question, you are balance"
balance.To get the "daily we takethe beginningbalanceof your
responsiblefor the remainderof your balance.
accounteach day (whichincludesunpaidinterest),add any new charges,
" We can apply any unpaidamount againstyour credit limit.
and applicablefees, and subtractany paymentsor credits.This gives us
YourRights If YouAre Dissatisfied With Your Credit CardPurchases the daily balance.Any daily balanceof less than zero will be treatedas
If you are dissatisfied with the goods or services that you have zero.A separatedaily balancewill be calculatedfor eachbalancetype on
purchased with your credit card, and you have tried in good faith to youraccount.The balance(s)shownin the InterestChargessectionof this
correct the problem with the merchant, you may have the right not to statementis the sumof the daily balancesfor each day in the billingcycle
pay the remaining amountdue on the purchase.To use this right, all of dividedby the numberof daysin the billingcycle.
the following must be true:
Bankruptcy Notice: If you file bankruptcy you must send us notice,
1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100miles including account numberand all informationrelatedto the proceeding
of yourcurrentmailingaddress,andthe purchasepricemusthavebeen to the following address: Synchrony Bank, Attn: Bankruptcy Dept.,
morethan$50.(Note:Neitherofthesearenecessaryifyourpurchase was P.O.Box 965064, Orlando, FL 32896-5064.
basedon an advertisement we mailedto you,or if we ownthe company
thatsoldyouthegoodsor services.) .
Your account is owned and serviced by Synchrony Bank.
2. You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that
accesses your credit card account do not qualify. Use of Information About You and Your Account: Our Privacy
3. You must not yet have fully paid for the purchase. Policy describes our collection and disclosureof informationabout you
and your Account. If you would like another copy of the Privacy Policy
If all of the criteria above are met and you are still dissatisfiedwith the
please call us at the customer service telephone number indicated on
purchase, contact us in writing at: the front of this statement.
Synchrony Bank
P.O.Box 965035, Orlando, FL 32896-5035
While we investigate, the same rules apply to the disputed amount as
discussed above.After we finish our investigation,we will tell you our
decision. At that point, if we think you owe an amount and you do not
pay we may report you as delinquent.
Information About Payments: You may at any time pay, in whole
or in part, the total unpaid balance without any additional charge
for prepayment. Paymentsreceivedafter 5:00 PM (ET) on any day will
be credited as of the next day. Credit to your account may be delayed
up to five days if payment (a) is not received at the payment address,
(b) is not made in U.S. dollars drawn on a U.S. financial institution
located in the U.S., (c) is not accompanied by the remittance coupon
attached to your statement, (d) contains more than one payment or
remittance coupon, (e) is not received in the remittance envelope
provided or (f) includes staples, paper clips, tape, a folded check or
correspondenceof any type.
[35453A] 01DG5302 - 1 - 02/07/18
This is an attemptto collecta debt and any informationobtainedwill be usedfor that purpose.
*By providing a telephonenumber on your account, you consentto Synchrony Bank and any other owner or servicer of your account contacting
you about your account,includingusing any contact informationor cell phone numbersyou provide, and you consentto the use of any automatic
¡telephonedialing systemand/oran artificialor rerecordedvoice when contactingyou, even if you are chargedfor the call underyour phone plan.
For changesof addressand/orphone number,please checkthe box and print the changesbelow.
Street
Address
City, State
ZIP
Phone#
we can use to contactyou
Remember,you can updatethe above informationas well as your email address online at www.mysynchrony.com.
6 of 16
FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX
PM NO. 510781/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024
Interest Charge Calculation
Expiration Date Annual Balance Subject to Interest Charge
Type of Balance Percentage Interest Rate
Rate (APR)
Current Transactions
Purchases NA 29.99% $0.00 $0.00
Transactions on or before 11/23/2020
Deferred Interest/No Interest If Paid In Full 07/24/2022 26.99% $0.00 $0.00
Deferred Interest/No Interest If Paid In Full 09/23/2022 26.99% $0.00 $0.00
Cardholder News & Information
If you need assistance with an accommodation for your statements and/or account letters, please call 800-292-7508.
If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form
Us' page.
located at www.syf.com under the 'Contact
You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we
will no longer be including return envelopes. You can make things even easier by selecting the paperless statement option on
your account online.
Statement not provided to customer.
5302 CYH 1 3 21 220522 Z7D PAGE2
of 16of 3 9071 0300 PCJ9 01DG5302
FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX
PM NO. 510781/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024
5302 CYH 1 3 21 220522 Z8D PAGE3
of 16of 3 9071 0300 PCJ9 OlDG5302
FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024
EXHIBIT “B”
(LAST USE OF CARD STATEMENT/ BALANCE)
Matter #: 515220
S_EXH-LPAM
9 of 16
FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX
PM NO. 510781/2024
NYSCEF DOC. NO. &1SON/SYNCHRONY
P C RICHARD BANK ANA E CASTILLO RECEIVED NYSCEF: 04/15/2024
Account Number : 8027
Statement Closing Date: 10/24/2021
f synchrony
Summary of Account Activity Payment Information
Previous Balance $3,842.33 New Balance $3,644.81
+ New Purchases $0.00 Total Minimum Payment Due $128.00
- Payments $200.00 Payment Due Date 11/16/2021
+/- Credits, Fees & Adjustments (net) $0.00 PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.
+/- Interest Charge (net) $2.48 We may convert your payment into an electronic debit. See
New Balance $3,644.81 reverse side.
Credit Limit $4,600.00
Available Credit $0.00 Late Payment Warning: If we do not receive your Total
Minimum Payment Due by the Payment Due Date listed above,
Days in Billing Period 31
you may have to pay a late fee up to $40.00.
Pay online for free at: mysynchrony.com Minimum Payment Warning: Making only the Total Minimum
For Synchrony Bank customer service or to report your Payment Due will increase the amount of interest you pay and
card lost or stolen, call 1-877-800-4727. the time it takes to repay your balance. For example:
Best times to call are Wednesday - Friday. If you make no You will pay off And you will end up
additional charges the balance shown paying an estimated
using this card and on this statement total of ...
each month you in about...
pay ...
Only the minimum 17 years $15,834.00
payment
$222.00 3 years $7,997.00
(Savings =
$7,837.00)
If you would like information about credit counseling services,
call 1-877-302-8797.
Promotional Expiration Notification
YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED
INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT
FOR FURTHER DETAILS. YOU HAVE A PROMOTION(S) EXPIRING ON 07/24/22 AND 09/23/22.
Promotional Purchase Summary
Promotional Promotional Deferred Tran Date Description Initial
Expiration Balance Interest Charge Purchase
Date Amount
e ed Intemsmo Inteæst Pad In
07/24/2022 $3,066.20 $1,612.66 06/24/2020 $3,810.53
e ened Intemsmo Inteæst Pad In
09/23/2022 $526.61 $182.23 09/18/2020 $526.61
A summary of your promotional purchase is provided above.
If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges
on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date.
To make more than one payment see Make Payment To address or pay online at mysynchrony.com.
Transaction Summary
Tran Date Post Date Reference Number Description Amount
10/16/2021 10/16/2021 85348129200YT591T PAYMENT - THANK YOU ($200.00)
FEES
TOTAL FEES FOR THIS PERIOD $0.00
Continued on next page
* NOTICE: See reverse side and additional pages (if
any) for important information concerning your account.
5302 CYH 1 7 21 211024 E PAGE1 of 3 9071 0300 PCJ9 01DG5302
Payonlineat mysynchrony.com
or enclosethiscouponwithyourcheck.Pleaseuseblueor blackink.
Total Minimum Payment Due Date New Balance Account Number
'The CompanyYeaCan Trust!- Payment Due
$128.00 11/16/2021 $3,644.81 8027
Payment Enclosed :
New address or e-mail? IfyouonlypaytheTotalMinimumDueit maynot payoffthePromotional
Purchaseby theExpirationDate.
Check the box at left and
print changes on back
ANA E CASTILLO
1239 STANLEY AVE APT 3H
Make Payment to: SYNCHRONY BANK
BROOKLYN NY 11208-5637
PO BOX 960061
ORLANDO, FL 32896-0061
10 of 16
FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX
PM NO. 510781/2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024
Customer Service: For account information, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS.
Unless your name is listed on this statement, your access to informationon the account may be limited. You may also mail questions (but not
payments) to: P.O.Box 965033, Orlando, FL 32896-5033. Pleaseincludeyour account numberon any correspondenceyou send to us.
Payments: Send paymentsto the address listed on the remittancecoupon portion of this statementor pay online at www.mysynchrony.com.
OvernightPayments: Paymentscannotbe madein person,mailpaymentsto SynchronyBank, 140WekivaSpringsRoad,Longwood,FL 32779.
Notice: See below for your Billing Rights and other important information. Telephoningabout billing errors will not preserve your rights under
federal law. To preserve your rights, please write to our Billing InquiriesAddress, P.O.Box 965035, Orlando, FL 32896-5035.
Purchases, returns and payments made just prior to billing date may r of appear until next month's statement.When you provide a check as
payment,you authorizeus eitherto use informationfromyour checkto mµkea one-timeelectronicfund transferfromyour accountor to processthe
paymentas a checktransaction.Whenwe use informationfromyour checkto makean electronicfund transfer,funds may be withdrawnfromyour
accountas soonas the same day we receiveyour paymentandyou will nct receiveyour checkbackfromyourfinancialinstitution.You may choose
not to have your payment collected electronically by sending your piyment (with the remittance coupon) in your own envelope - not the
enclosed remittance envelope, addressed to: PO Box 530960,Atlanta, GA 30353-0960and not the payment address.
What ToDo If You Think You Find A Mistake On Your Statement: Conditional Payments: AII written communications concerning
If you think there is an error on your statement, write to us at: disputedamounts,includingany checkorotherpaymentinstrumentthat:
full"
(i) indicatesthat the paymentconstitutes"paymentin or is tendered
SynchronyBank, P.O.Box 965035, Orlando, FL 32896-5035.
as full satisfaction of a disputed amount, or (ii) is tendered with other
Inyour letter give us the following information:
conditions or limitations ("Disputed Payments"), must be mailed or
" Account information:Your name and account number deliveredto us at
" Dollar amount:The dollar amountof the suspected error
P.O.Box965035 Orlando FL 32896-5035.
" Description of problem: If you think there is an error on your bill
Credits To Your Account: An amountshown in parenthesisis a credit
describe what you believe is wrong and why you believe it is
or credit balance unless otherwise indicated.Credits will be applied to
a mistake
your previousbalance immediatelyupon receipt, but will not satisfy any
You must contact us within 60 days after the error appeared on
requiredpaymentthat may be due.
your statement.
Credit Reports and Account Information: If you believe that
You must notify us of any potential errors in writing. You may call us
we may have reported inaccurate information about you to a
but if you do we are not requiredto investigateany potentialerrors ancÍ
you may haveto pay the amount in question. consumer-reporting agency, please contact us at P.O. Box 965036,
. Orlando, FL 32896-5036. In doing so please identify the inaccurate
While we investigate whether or not there has been an error, the
informationand tell us why you believeit is incorrect. Ifyou havea copy
following are true: of the credit report that includes the inaccurate information, please
" We cannot try to collect the amount in question or report you as
include a copy of that report. We may report information about your
delinquenton that amount. account to credit bureaus. Late payments, missed payments, or other
" The charge in question may remain on your statement and we may
defaultson your account may be reflected in your credit report.
continueto chargeyou intereston that amount. But, if we determine
How We Calculate Interest: We figure the interest charge on your
that we made a mistake, you will not have to pay the amount in balance"
accountby applyingtheperiodicrateto the "daily ofyouraccount
questionor any interestor other fees relatedto that amount.
for each day in the billing cycle. We then add the interestto the daily
" While you do not have to pay the amount in question, you are balance"
balance.To get the "daily we takethe beginningbalanceof your
responsiblefor the remainderof your balance.
accounteach day (whichincludesunpaidinterest),add any new charges,
" We can apply any unpaidamount againstyour credit limit.
and applicablefees, and subtractany paymentsor credits.This gives us
YourRights If YouAre Dissatisfied With Your Credit CardPurchases the daily balance.Any daily balanceof less than zero will be treatedas
If you are dissatisfied with the goods or services that you have zero.A separatedaily balancewill be calculatedfor eachbalancetype on
purchased with your credit card, and you have tried in good faith to youraccount.The balance(s)shownin the InterestChargessectionof this
correct the problem with the merchant, you may have the right not to statementis the sumof the daily balancesfor each day in the billingcycle
pay the remaining amountdue on the purchase.To use this right, all of dividedby the numberof daysin the billingcycle.
the following must be true:
Bankruptcy Notice: If you file bankruptcy you must send us notice,
1.Thepurchas
Preview
FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024 CONSUMER CREDIT TRANSACTION Date Purchased: SUPREME COURT OF THE STATE OF NEW YORK Index № COUNTY OF KINGS X Cavalry SPV I, LLC SUMMONS Plaintiff, Plaintiff's Address: -against- 1 American Lane, Suite 220 Greenwich CT 06831 ANA E CASTILLO Defendant(s). The Basis of Venue is: CPLR SEC. 503(f). Defendants residence is in the County of KINGS. X Defendant(s) Address: DEF1- 1239 STANLEY AVE APT 3H, BROOKLYN NY 11208-5637 TO THE ABOVE NAMED DEFENDANT(S): YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer on the Plaintiff's Attorney(s) within 20 days after the service of this summons, exclusive of the day of service, or within 30 days after service is complete if this summons is not personally delivered to you within the State of New York; and in the case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint. We are attorneys attempting to collect a debt. Any information obtained will be used for that purpose. Dated: March 28, 2024 Matter # 515220 ____________________________ Stephen Einstein Scott Morris Anthony S. Poulin Dianne Ramdeen Sharil Clarke Joseph G. Devine Chester Andrew Guala Gerard W. DeStefano Richa Bhandari Tromberg, Morris & Poulin, PLLC. Attorneys for the Plaintiff 39 Broadway, Suite 1250 New York, N.Y. 10006 (212) 267-3550 *SM0000515220* S_S_SUP-SUM 1 of 16 FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024 SUPREME COURT OF THE STATE OF NEW YORK INDEX №: COUNTY OF KINGS Cavalry SPV I, LLC Plaintiff, -against- COMPLAINT ANA E CASTILLO Defendant(s). Plaintiff, by its undersigned attorneys, complaining of the Defendant(s), respectfully alleges that: 1. Plaintiff is an active foreign entity conducting business in the state of CT. Plainiff is licensed by the NYC Department of Consumer Affairs, Debt Collection Agency License #1327348. 2. Upon information and belief, the Defendant(s) resides or has an office in the venue in which this action is brought, or the Defendant(s) transacted business within the venue in which this action is brought, either in person or through an agent, and the instant cause of action arose out of said transaction. 3. Based upon a reasonable inquiry, the Statute of Limitations for the cause of action asserted herein has not expired. AS AND FOR A FIRST CAUSE OF ACTION 4. Upon information and belief the Defendant(s) hereto entered into a Revolving Credit Account Agreement (hereinafter "Account") with Synchrony Bank (hereinafter "Original Creditor"), the Original Creditor as defined by CPLR §105(q-1), bearing an account number on the most recent statement ending in #XXXXXXXXXXXX8027, as so evidenced in the statement attached hereto, wherein Defendant(s) agreed to pay Original Creditor all amounts charged to said Account. 5. Upon information and belief, Defendant(s) incurred charges by use of the said Account and defaulted. As a result of the Defendant’s default the Original Creditor closed the Account and subsequently charged it off on 05/22/2022 in the amount of $3,950.63. Pursuant to CPLR §3016(j) a copy of the Charge-Off Statement is attached hereto. 6. Susequently, the Original Creditor sold/ assigned the Account, including all rights, title and interest in and to the outstanding balance owed by Defendant(s). Plaintiff, purchased and/or took by assignment the account herein on or about 12/14/2023. The complete chain of sale and assignment and dates sold and/or assigned are as follows: Assignor Date of Transfer Amt. at Time of Transfer Transfer 1: Synchrony Bank 12/14/2023 $3,910.63 7. Upon information and belief the date of last payment on this account was 10/16/2021 in the amount of $200.00. S_S_COM-RTL 2 of 16 FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024 8. At this time, Defendant(s) owes $3,910.63 on the Account. This amount includes a charge-off balance of $3,950.63, post-charge-off interest of $0.00, non-interest charges or fees accrued since charge- off of $0.00, less any post-charge-off credits or payments made by or on behalf of the Defendant of $40.00; and that amount has not been paid despite due demand. WHEREFORE, Plaintiff demands judgment against Defendant(s) in the sum of $3,910.63, plus costs and disbursements. CERTIFICATION: Deponent is an attorney associated with Tromberg, Morris & Poulin, PLLC. Deponent certifies that, to the best of their knowledge, information and belief, formed after an inquiry reasonable under the circumstances, the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1(c) of the Chief Administrative Judge, and an initiating pleading, the matter was not obtained through illegal conduct, and the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title. Affirmed this 28th day of March, 2024. ____________________________ Matter # 515220 Stephen Einstein Scott Morris Anthony S. Poulin Dianne Ramdeen Sharil Clarke Joseph G. Devine Chester Andrew Guala Gerard W. DeStefano Richa Bhandari S_S_COM-RTL 3 of 16 FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024 EXHIBIT “A” (CHARGE-OFF/ LAST STATEMENT) Matter #: 515220 S_EXH-COSM 4 of 16 FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX PM NO. 510781/2024 NYSCEF DOC. NO. &1SON/SYNCHRONY P C RICHARD BANK ANA E CASTILLO RECEIVED NYSCEF: 04/15/2024 Account Number : 8027 Statement Closing Date: 05/22/2022 f synchrony Summary of Account Activity Payment Information Previous Balance $3,910.63 New Balance $0.00 + New Purchases $0.00 Total Minimum Payment Due $1,068.00 - Payments $0.00 Payment Due Date 05/24/2022 +/- Credits, Fees & Adjustments (net) ($3,910.63) Promotion(s) expiring shortly - see promotional boxes below for +/- Interest Charge (net) $0.00 details New Balance $0.00 PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE. Credit Limit $4,600.00 We may convert your payment into an electronic debit. See Available Credit $0.00 reverse side. Days in Billing Period 30 Late Payment Warning: If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, Sy chrony Bank c stomer ervice r to report your you may have to pay a late fee up to $40.00. card lost or stolen, call 1-877-800-4727. Best times to call are Wednesday - Friday. Promotional Expiration Notification YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION(S) EXPIRING ON 07/24/22 AND 09/23/22. Promotional Purchase Summary Promotional Promotional Deferred Tran Date Description Initial Expiration Balance Interest Charge Purchase Date Amount e ed Intemsmo Inteæst Pad In 07/24/2022 $3,066.20 $0.00 06/24/2020 $3,810.53 e ened Intemsmo Inteæst Pad In 09/23/2022 $526.61 $0.00 09/18/2020 $526.61 A summary of your promotional purchase is provided above. If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. To make more than one payment see Make Payment To address or pay online at mysynchrony.com. Transaction Summary Tran Date Post Date Reference Number Description Amount 05/22/2022 05/22/2022 F907100GY00999990 CHARGE OFF ACCOUNT-PRINCIPALS ($3,592.81) 05/22/2022 05/22/2022 F907100GY00999990 CHARGE OFF ACCOUNT-INTEREST ($357.82) CHARGE FEES 05/16/2022 05/16/2022 LATE FEE $40.00 TOTAL FEES FOR THIS PERIOD $40.00 INTEREST CHARGED 05/22/2022 05/22/2022 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2022 Totals Year-to-Date Total Fees Charged in 2022 $200.00 Total Interest Charged in 2022 $21.10 Total Interest Paid in 2022 $0.00 * NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 CYH 1 3 21 220522 Z DPAGE 1 of 3 9071 0300 PCJ9 01DG5302 Payonlineat mysynchrony.com or enclosethiscouponwithyourcheck.Pleaseuseblueor blackink. Account Number 8027 ree cosy say re s ess res,gf- Total Minimum Past Due Payment Urgent. New Payment Due Amount Due Date Balance Promot s) expinng $1,068.00 $0.00 05/24/2022 Payment Enclosed : New address or e-mail? Payment due includes $ 0.00 past due. Please pay the past due amount PROMPTLY. Check the box at left and NOTE: You have a Promotional Purchase Expiring. See Promotional Purchase Summary For Details. print changes on back ANA E CASTILLO 1239 STANLEY AVE APT 3H Make Payment to: SYNCHRONY BANK BROOKLYN NY 11208-5637 PO BOX 960061 ORLANDO, FL 32896-0061 5 of 16 FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX PM NO. 510781/2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024 Customer Service: For account information, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS. Unless your name is listed on this statement, your access to informationon the account may be limited. You may also mail questions (but not payments) to: P.O.Box 965033, Orlando, FL 32896-5033. Pleaseincludeyour account numberon any correspondenceyou send to us. Payments: Send paymentsto the address listed on the remittancecoupon portion of this statementor pay online at www.mysynchrony.com. OvernightPayments: Paymentscannotbe madein person,mailpaymentsto SynchronyBank, 140WekivaSpringsRoad,Longwood,FL 32779. Notice: See below for your Billing Rights and other important information. Telephoningabout billing errors will not preserve your rights under federal law. To preserve your rights, please write to our Billing InquiriesAddress, P.O.Box 965035, Orlando, FL 32896-5035. Purchases, returns and payments made just prior to billing date may r of appear until next month's statement.When you provide a check as payment,you authorizeus eitherto use informationfromyour checkto mµkea one-timeelectronicfund transferfromyour accountor to processthe paymentas a checktransaction.Whenwe use informationfromyour checkto makean electronicfund transfer,funds may be withdrawnfromyour accountas soonas the same day we receiveyour paymentandyou will nct receiveyour checkbackfromyourfinancialinstitution.You may choose not to have your payment collected electronically by sending your piyment (with the remittance coupon) in your own envelope - not the enclosed remittance envelope, addressed to: PO Box 530960,Atlanta, GA 30353-0960and not the payment address. What ToDo If You Think You Find A Mistake On Your Statement: Conditional Payments: AII written communications concerning If you think there is an error on your statement, write to us at: disputedamounts,includingany checkorotherpaymentinstrumentthat: full" (i) indicatesthat the paymentconstitutes"paymentin or is tendered SynchronyBank, P.O.Box 965035, Orlando, FL 32896-5035. as full satisfaction of a disputed amount, or (ii) is tendered with other Inyour letter give us the following information: conditions or limitations ("Disputed Payments"), must be mailed or " Account information:Your name and account number deliveredto us at " Dollar amount:The dollar amountof the suspected error P.O.Box965035 Orlando FL 32896-5035. " Description of problem: If you think there is an error on your bill Credits To Your Account: An amountshown in parenthesisis a credit describe what you believe is wrong and why you believe it is or credit balance unless otherwise indicated.Credits will be applied to a mistake your previousbalance immediatelyupon receipt, but will not satisfy any You must contact us within 60 days after the error appeared on requiredpaymentthat may be due. your statement. Credit Reports and Account Information: If you believe that You must notify us of any potential errors in writing. You may call us we may have reported inaccurate information about you to a but if you do we are not requiredto investigateany potentialerrors ancÍ you may haveto pay the amount in question. consumer-reporting agency, please contact us at P.O. Box 965036, . Orlando, FL 32896-5036. In doing so please identify the inaccurate While we investigate whether or not there has been an error, the informationand tell us why you believeit is incorrect. Ifyou havea copy following are true: of the credit report that includes the inaccurate information, please " We cannot try to collect the amount in question or report you as include a copy of that report. We may report information about your delinquenton that amount. account to credit bureaus. Late payments, missed payments, or other " The charge in question may remain on your statement and we may defaultson your account may be reflected in your credit report. continueto chargeyou intereston that amount. But, if we determine How We Calculate Interest: We figure the interest charge on your that we made a mistake, you will not have to pay the amount in balance" accountby applyingtheperiodicrateto the "daily ofyouraccount questionor any interestor other fees relatedto that amount. for each day in the billing cycle. We then add the interestto the daily " While you do not have to pay the amount in question, you are balance" balance.To get the "daily we takethe beginningbalanceof your responsiblefor the remainderof your balance. accounteach day (whichincludesunpaidinterest),add any new charges, " We can apply any unpaidamount againstyour credit limit. and applicablefees, and subtractany paymentsor credits.This gives us YourRights If YouAre Dissatisfied With Your Credit CardPurchases the daily balance.Any daily balanceof less than zero will be treatedas If you are dissatisfied with the goods or services that you have zero.A separatedaily balancewill be calculatedfor eachbalancetype on purchased with your credit card, and you have tried in good faith to youraccount.The balance(s)shownin the InterestChargessectionof this correct the problem with the merchant, you may have the right not to statementis the sumof the daily balancesfor each day in the billingcycle pay the remaining amountdue on the purchase.To use this right, all of dividedby the numberof daysin the billingcycle. the following must be true: Bankruptcy Notice: If you file bankruptcy you must send us notice, 1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100miles including account numberand all informationrelatedto the proceeding of yourcurrentmailingaddress,andthe purchasepricemusthavebeen to the following address: Synchrony Bank, Attn: Bankruptcy Dept., morethan$50.(Note:Neitherofthesearenecessaryifyourpurchase was P.O.Box 965064, Orlando, FL 32896-5064. basedon an advertisement we mailedto you,or if we ownthe company thatsoldyouthegoodsor services.) . Your account is owned and serviced by Synchrony Bank. 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. Use of Information About You and Your Account: Our Privacy 3. You must not yet have fully paid for the purchase. Policy describes our collection and disclosureof informationabout you and your Account. If you would like another copy of the Privacy Policy If all of the criteria above are met and you are still dissatisfiedwith the please call us at the customer service telephone number indicated on purchase, contact us in writing at: the front of this statement. Synchrony Bank P.O.Box 965035, Orlando, FL 32896-5035 While we investigate, the same rules apply to the disputed amount as discussed above.After we finish our investigation,we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Information About Payments: You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. Paymentsreceivedafter 5:00 PM (ET) on any day will be credited as of the next day. Credit to your account may be delayed up to five days if payment (a) is not received at the payment address, (b) is not made in U.S. dollars drawn on a U.S. financial institution located in the U.S., (c) is not accompanied by the remittance coupon attached to your statement, (d) contains more than one payment or remittance coupon, (e) is not received in the remittance envelope provided or (f) includes staples, paper clips, tape, a folded check or correspondenceof any type. [35453A] 01DG5302 - 1 - 02/07/18 This is an attemptto collecta debt and any informationobtainedwill be usedfor that purpose. *By providing a telephonenumber on your account, you consentto Synchrony Bank and any other owner or servicer of your account contacting you about your account,includingusing any contact informationor cell phone numbersyou provide, and you consentto the use of any automatic ¡telephonedialing systemand/oran artificialor rerecordedvoice when contactingyou, even if you are chargedfor the call underyour phone plan. For changesof addressand/orphone number,please checkthe box and print the changesbelow. Street Address City, State ZIP Phone# we can use to contactyou Remember,you can updatethe above informationas well as your email address online at www.mysynchrony.com. 6 of 16 FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX PM NO. 510781/2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type of Balance Percentage Interest Rate Rate (APR) Current Transactions Purchases NA 29.99% $0.00 $0.00 Transactions on or before 11/23/2020 Deferred Interest/No Interest If Paid In Full 07/24/2022 26.99% $0.00 $0.00 Deferred Interest/No Interest If Paid In Full 09/23/2022 26.99% $0.00 $0.00 Cardholder News & Information If you need assistance with an accommodation for your statements and/or account letters, please call 800-292-7508. If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form Us' page. located at www.syf.com under the 'Contact You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we will no longer be including return envelopes. You can make things even easier by selecting the paperless statement option on your account online. Statement not provided to customer. 5302 CYH 1 3 21 220522 Z7D PAGE2 of 16of 3 9071 0300 PCJ9 01DG5302 FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX PM NO. 510781/2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024 5302 CYH 1 3 21 220522 Z8D PAGE3 of 16of 3 9071 0300 PCJ9 OlDG5302 FILED: KINGS COUNTY CLERK 04/15/2024 06:10 PM INDEX NO. 510781/2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024 EXHIBIT “B” (LAST USE OF CARD STATEMENT/ BALANCE) Matter #: 515220 S_EXH-LPAM 9 of 16 FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX PM NO. 510781/2024 NYSCEF DOC. NO. &1SON/SYNCHRONY P C RICHARD BANK ANA E CASTILLO RECEIVED NYSCEF: 04/15/2024 Account Number : 8027 Statement Closing Date: 10/24/2021 f synchrony Summary of Account Activity Payment Information Previous Balance $3,842.33 New Balance $3,644.81 + New Purchases $0.00 Total Minimum Payment Due $128.00 - Payments $200.00 Payment Due Date 11/16/2021 +/- Credits, Fees & Adjustments (net) $0.00 PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE. +/- Interest Charge (net) $2.48 We may convert your payment into an electronic debit. See New Balance $3,644.81 reverse side. Credit Limit $4,600.00 Available Credit $0.00 Late Payment Warning: If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, Days in Billing Period 31 you may have to pay a late fee up to $40.00. Pay online for free at: mysynchrony.com Minimum Payment Warning: Making only the Total Minimum For Synchrony Bank customer service or to report your Payment Due will increase the amount of interest you pay and card lost or stolen, call 1-877-800-4727. the time it takes to repay your balance. For example: Best times to call are Wednesday - Friday. If you make no You will pay off And you will end up additional charges the balance shown paying an estimated using this card and on this statement total of ... each month you in about... pay ... Only the minimum 17 years $15,834.00 payment $222.00 3 years $7,997.00 (Savings = $7,837.00) If you would like information about credit counseling services, call 1-877-302-8797. Promotional Expiration Notification YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION(S) EXPIRING ON 07/24/22 AND 09/23/22. Promotional Purchase Summary Promotional Promotional Deferred Tran Date Description Initial Expiration Balance Interest Charge Purchase Date Amount e ed Intemsmo Inteæst Pad In 07/24/2022 $3,066.20 $1,612.66 06/24/2020 $3,810.53 e ened Intemsmo Inteæst Pad In 09/23/2022 $526.61 $182.23 09/18/2020 $526.61 A summary of your promotional purchase is provided above. If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. To make more than one payment see Make Payment To address or pay online at mysynchrony.com. Transaction Summary Tran Date Post Date Reference Number Description Amount 10/16/2021 10/16/2021 85348129200YT591T PAYMENT - THANK YOU ($200.00) FEES TOTAL FEES FOR THIS PERIOD $0.00 Continued on next page * NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 CYH 1 7 21 211024 E PAGE1 of 3 9071 0300 PCJ9 01DG5302 Payonlineat mysynchrony.com or enclosethiscouponwithyourcheck.Pleaseuseblueor blackink. Total Minimum Payment Due Date New Balance Account Number 'The CompanyYeaCan Trust!- Payment Due $128.00 11/16/2021 $3,644.81 8027 Payment Enclosed : New address or e-mail? IfyouonlypaytheTotalMinimumDueit maynot payoffthePromotional Purchaseby theExpirationDate. Check the box at left and print changes on back ANA E CASTILLO 1239 STANLEY AVE APT 3H Make Payment to: SYNCHRONY BANK BROOKLYN NY 11208-5637 PO BOX 960061 ORLANDO, FL 32896-0061 10 of 16 FILED: KINGS COUNTY CLERK 04/15/2024 06:10INDEX PM NO. 510781/2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 04/15/2024 Customer Service: For account information, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS. Unless your name is listed on this statement, your access to informationon the account may be limited. You may also mail questions (but not payments) to: P.O.Box 965033, Orlando, FL 32896-5033. Pleaseincludeyour account numberon any correspondenceyou send to us. Payments: Send paymentsto the address listed on the remittancecoupon portion of this statementor pay online at www.mysynchrony.com. OvernightPayments: Paymentscannotbe madein person,mailpaymentsto SynchronyBank, 140WekivaSpringsRoad,Longwood,FL 32779. Notice: See below for your Billing Rights and other important information. Telephoningabout billing errors will not preserve your rights under federal law. To preserve your rights, please write to our Billing InquiriesAddress, P.O.Box 965035, Orlando, FL 32896-5035. Purchases, returns and payments made just prior to billing date may r of appear until next month's statement.When you provide a check as payment,you authorizeus eitherto use informationfromyour checkto mµkea one-timeelectronicfund transferfromyour accountor to processthe paymentas a checktransaction.Whenwe use informationfromyour checkto makean electronicfund transfer,funds may be withdrawnfromyour accountas soonas the same day we receiveyour paymentandyou will nct receiveyour checkbackfromyourfinancialinstitution.You may choose not to have your payment collected electronically by sending your piyment (with the remittance coupon) in your own envelope - not the enclosed remittance envelope, addressed to: PO Box 530960,Atlanta, GA 30353-0960and not the payment address. What ToDo If You Think You Find A Mistake On Your Statement: Conditional Payments: AII written communications concerning If you think there is an error on your statement, write to us at: disputedamounts,includingany checkorotherpaymentinstrumentthat: full" (i) indicatesthat the paymentconstitutes"paymentin or is tendered SynchronyBank, P.O.Box 965035, Orlando, FL 32896-5035. as full satisfaction of a disputed amount, or (ii) is tendered with other Inyour letter give us the following information: conditions or limitations ("Disputed Payments"), must be mailed or " Account information:Your name and account number deliveredto us at " Dollar amount:The dollar amountof the suspected error P.O.Box965035 Orlando FL 32896-5035. " Description of problem: If you think there is an error on your bill Credits To Your Account: An amountshown in parenthesisis a credit describe what you believe is wrong and why you believe it is or credit balance unless otherwise indicated.Credits will be applied to a mistake your previousbalance immediatelyupon receipt, but will not satisfy any You must contact us within 60 days after the error appeared on requiredpaymentthat may be due. your statement. Credit Reports and Account Information: If you believe that You must notify us of any potential errors in writing. You may call us we may have reported inaccurate information about you to a but if you do we are not requiredto investigateany potentialerrors ancÍ you may haveto pay the amount in question. consumer-reporting agency, please contact us at P.O. Box 965036, . Orlando, FL 32896-5036. In doing so please identify the inaccurate While we investigate whether or not there has been an error, the informationand tell us why you believeit is incorrect. Ifyou havea copy following are true: of the credit report that includes the inaccurate information, please " We cannot try to collect the amount in question or report you as include a copy of that report. We may report information about your delinquenton that amount. account to credit bureaus. Late payments, missed payments, or other " The charge in question may remain on your statement and we may defaultson your account may be reflected in your credit report. continueto chargeyou intereston that amount. But, if we determine How We Calculate Interest: We figure the interest charge on your that we made a mistake, you will not have to pay the amount in balance" accountby applyingtheperiodicrateto the "daily ofyouraccount questionor any interestor other fees relatedto that amount. for each day in the billing cycle. We then add the interestto the daily " While you do not have to pay the amount in question, you are balance" balance.To get the "daily we takethe beginningbalanceof your responsiblefor the remainderof your balance. accounteach day (whichincludesunpaidinterest),add any new charges, " We can apply any unpaidamount againstyour credit limit. and applicablefees, and subtractany paymentsor credits.This gives us YourRights If YouAre Dissatisfied With Your Credit CardPurchases the daily balance.Any daily balanceof less than zero will be treatedas If you are dissatisfied with the goods or services that you have zero.A separatedaily balancewill be calculatedfor eachbalancetype on purchased with your credit card, and you have tried in good faith to youraccount.The balance(s)shownin the InterestChargessectionof this correct the problem with the merchant, you may have the right not to statementis the sumof the daily balancesfor each day in the billingcycle pay the remaining amountdue on the purchase.To use this right, all of dividedby the numberof daysin the billingcycle. the following must be true: Bankruptcy Notice: If you file bankruptcy you must send us notice, 1.Thepurchas