Preview
FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM INDEX NO. 000412-2024
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024
.5: Andrea K. Bailey, County Clerk
.zg'izizizzii _:::':::
i: Livingston County Government Center
5;: ,3, I
6 Court Street, Room 201
:::.: __
1521
_..........::"
Geneseo, New York 14454
(585) 243-7010 ~ Fax (585) 243-7928
Livingston County Clerk Recording Page
Received From: Return To:
KEITH H. ROTHMAN KEITH H. ROTHMAN
1787 VETERANS HWY 1787 VETERANS HWY
ISLANDIA, NY 11749 ISLANDIA, NY 11749
Document Type: CIVIL ACTION - MISC Document Desc: SUMMONS + COMPLAINT
Plaintiff Defendant
JPMORGAN CHASE BANK, N.A. HITCHCOCK ELIZABETH S
Recorded Information:
State of New York
Index #: 000412-2024 County of Livingston
EFiling through NYSCEF
?mw?
Livingston County Clerk
This sheet constitutes the Clerk’s endorsement required by section 319 of the Real Property Law of the State of New York
mat
Do Not Detach
1 of 10
IndexNO.
INDEX # : 000412-2024
000412-2024
FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM
NYSCEFSUPREME COURT
DOC. NO. 1 OF THE STATE OF NEW YORK Index No. RECEIVED NYSCEF: 05/13/2024
COUNTY OF LIVINGSTON Date Filed: ________________
----------------------------------------
JPMORGAN CHASE BANK, N.A.
SUMMONS (ORIGINAL)
Plaintiff
-against-
ELIZABETH S HITCHCOCK The Basis of Venue is:
Defendant's residence
Defendant(s) Plaintiff's Residence:
---------------------------------------- 201 N WALNUT ST
WILMINGTON, DE 19801
CONSUMER CREDIT TRANSACTION County of NEW CASTLE
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, or, if the complaint is not served with this summons
to serve a notice of appearance, on the Plaintiff's Attorney(s) within
TWENTY days after the service of this summons, exclusive of the day of
service (or within THIRTY days after the service is complete if this
summons is not personally delivered to you within the State of New York);
and in case of your failure to appear or answer, judgment will be taken
against you by default for the relief demanded herein.
Dated: Islandia, New York
MAY 13, 2024 RUBIN & ROTHMAN, LLC
Attorneys for Plaintiff
1787 Veterans Highway
Islandia, N.Y. 11749
(631) 234-1500
DEFENDANT(S) ADDRESS:
ELIZABETH S HITCHCOCK
7321 DUBLIN ST LIMA, NY 14485
WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
NYC DCA LIC. 2110651
Our File No 1486441 Y 1 0- 0 V SZV 000
000006862881
2 of 10
IndexNO.
INDEX #: 000412-2024
000412-2024
FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM
NYSCEFSUPREME COURT
DOC. NO. 1 OF THE STATE OF NEW YORK RECEIVED NYSCEF: 05/13/2024
COUNTY OF LIVINGSTON Index No.
----------------------------------------
JPMORGAN CHASE BANK, N.A.
Plaintiff
-against- COMPLAINT (ORIGINAL)
ELIZABETH S HITCHCOCK
Defendant(s)
----------------------------------------
Plaintiff, by its attorneys, complaining of Defendant(s), alleges:
AS AND FOR A FIRST CAUSE OF ACTION
1. Defendant(s) resides in the county in which this action is brought;
or transacted business in the county in which this action is brought
in person or through an agent, or this cause of action arose out of
said transaction. Plaintiff is not required to be licensed by the
NYC Dept of Consumer Affairs because it is the original creditor.
2. Plaintiff is a national banking association chartered under the laws
of the United States.
3. Defendant(s) maintained a revolving credit account with Plaintiff and
agreed to make payments for goods and services charged, balance
transfers, and/or cash advances made upon such card.
4. Defendant(s) later defaulted on the terms of the agreement.
5. The last payment in good and collectable funds was received
on or about 4/23/23 in the amount of $ 139.00.
6. The last four digits of the account number printed on the most recent
monthly statement recording a purchase transaction, last payment or
balance transfer are 3384
7. The account balance printed on the most recent monthly statement
recording a purchase transaction, last payment or balance transfer is
$ 4,627.28.
8. Plaintiff is the entity that owned the consumer credit account at
the date of default giving rise to the cause of action and is the
original creditor as defined by CPLR 105(q-1).
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NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024
9. Defendant(s) failed to make the payments due pursuant to the credit
account and $ 4,025.12 is now due and owing to Plaintiff from
Defendant. This amount includes a charge-off balance of $ 5,545.30,
post charge-off interest of $ .00, post charge-off non-interest
charges or fees and/or other balance adjustment of $ .00, less
post charge-off payments, balance adjustments and/or credits made on
the debt of $ 1,520.18.
10. A copy of the charge-off statement issued for the account at issue
is attached hereto.
WHEREFORE, Plaintiff requests judgment against Defendant(s) in the sum of
$ 4,025.12.
RUBIN & ROTHMAN, LLC
MAY 13, 2024 Attorneys for Plaintiff
1787 Veterans Highway
Islandia, NY 11749
(631) 234-1500
Deponent is an attorney associated with Rubin & Rothman, LLC. To the best
of deponent's knowledge, information and belief, formed after an inquiry
reasonable under the circumstances, the summons and complaint or the
contentions therein are not frivolous as defined in section 130-1.1(c)
of the Rules of the Chief Adm. and the matter was not obtained through
illegal conduct or in violation of 22 NYCRR 1200, Rule 4.5.
Dated: MAY 13, 2024 ______________________
2%; Ii
SUBY MATHEW
WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
NYC DCA LIC. 2110651
Our FILE
OUR File NO
No 1486441 X 3 0- 0 V SZV 000
000006862881
4 of 10
IndexNO.
INDEX #: 000412-2024
000412-2024
FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM
NYSCEFSUPREME COURT
DOC. NO. 1 OF THE STATE OF NEW YORK RECEIVED NYSCEF: 05/13/2024
COUNTY OF LIVINGSTON
----------------------------------------
JPMORGAN CHASE BANK, N.A.
Plaintiff
-against- Index No.
ELIZABETH S HITCHCOCK
Defendant(s)
----------------------------------------
NOTICE OF ELECTRONIC FILING
(Mandatory Case)
(Uniform Rule § 202.5-bb)
You have received this Notice because:
1) The Plaintiff/Petitioner, whose name is listed above, has filed this
case using the New York State Courts E-filing system ("NYSCEF"), and
2) You are a Defendant/Respondent (a party) in this case.
If you are represented by an attorney:
Give this Notice to your attorney. (Attorneys: see "Information for
Attorneys" pg. 2).
If you are not represented by an attorney:
You will be served with all documents in paper and you must serve and file
your documents in paper, unless you choose to participate in e-filing.
If you choose to participate in e-filing, you must have access to a
computer and a scanner or other device to convert documents into electronic
format, a connection to the internet, and an e-mail address to receive
service of documents.
The benefits of participating in e-filing include:
Serving and filing your documents electronically.
Free access to view and print your e-filed documents.
Limiting your number of trips to the courthouse.
Paying any court fees on-line (credit card needed).
Our file no.: 1486441 Page 1 of 2 5/13/24 EFM-1
5 of 10
IndexNO.
INDEX #: 000412-2024
000412-2024
FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024
To register for e-filing or for more information about how e-filing works:
Visit: www.nycourts.gov/efile-unrepresented or
Contact the Clerk's Office or Help Center at the court where the case was
filed. Court contact information can be found at www.nycourts.gov
To find legal information to help you represent yourself visit www.nycourt.
gov
Information for Attorneys
(E-filing is Mandatory for Attorneys)
An attorney representing a party who is served with this notice must
either:
1) immediately record his or her representation within the e-filed matter
on the NYSCEF site www.nycourts.gov/efile; or
2) file the Notice of Opt-Out form with the clerk of the court where this
action is pending and serve on all parties. Exemptions from mandatory
e-filing are limited to attorneys who certify in good faith that they
lack the computer hardware and/or scanner and/or internet connection
or that they lack (along with all employees subject to their direction)
the knowledge to operate such equipment. [Section 202.5-bb(e)].
For additional information about electronic filing and to create a NYSCEF
account, visit the NYSCEF website at www.nycourts.gov/efile; or contact the
NYSCEF Resource Center (phone: 646-386-3033; e-mail: nyscef@nycourts.gov).
Dated: Islandia, New York
MAY 13, 2024
45 I Z
____________________ RUBIN & ROTHMAN, LLC
SUBY MATHEW 1787 VETERANS HIGHWAY
RUBIN & ROTHMAN, LLC ISLANDIA, NY 11749
(631) 234-1500
NYDOCS@RUBINROTHMAN.COM
To: ELIZABETH S HITCHCOCK
7321 DUBLIN ST
LIMA, NY 14485
Index no.: Page 2 of 2 5/13/24 EFM-1
WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
NYC DCA LIC. 2110651
Our File No 1486441 X 5 0- 0 V SZV 000
000006862881
6 of 10
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- Index #:
INDEX PM
NO. #: 000412-2024
000412-2024
FILED: LIVINGSTON
CHASEL!
COUNTY CLERK 05/13/2024 08:23
{
l Manage your account online at: Customer Service: Mobile: Download the
NYSCEF DOC. NO. 1 ~ RECEIVED NYSCEF: 05/13/2024
SL T E®
www.chase.com/cardhelp 1-800-945-2000
Chase Mobile app today
a
SCENARIO-1D
New Balance
April 2022
$5,545.30
S M T W T F S
Minimum Payment Due
27 28 29 30 31 1 2
$1,410.00
3 4 5 6 7 8 9
Payment Due Date
10 11 12 13 14 15 16
04/17/22
17 18 19 20 21 22 23
24 25 26 27 28 29 30
1 2 3 4 5 6 7
Late Payment Warning:
Late Payment Warning: If we do not receive your minimum payment
by the date listed above, you may have to pay a late fee of up to
$40.00 and your APR's will be subject to increase to a maximum
Penalty APR of 29.99%.
Minimum Payment Warning:
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will take you
longer to pay off your balance. For example:
Table Summary
If you make no You will pay off the And you will end up
additional charges balance shown on this paying an estimated
using this card and statement in about... total of...
each month you pay...
Only the minimum 14 years $12,052
payment
If you would like information about credit counseling services, call
1-866-797-2885.
ACCOUNT SUMMARY
Account Number: — 3384
Previous Balance $5,448.38
Payment, Credits $0.00
Purchases $0.00
Cash Advances $0.00
Balance Transfers $0.00
Fees Charged $0.00
`
Interest Charged +$96.92
New Balance $5,545.30
Opening/Closing Date 02/21/22 - 03/20/22
Credit Limit $4,500
Available Credit $0
Cash Access Line $225
`
Available for Cash $0
Past Due Amount $1,258.00
Balance over the Credit Limit $0.00
YOUR ACCOUNT MESSAGES
New York Residents: New York residents may contact the New York State Department of Financial Services at
1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.
_—
You are over your credit line/credit access line by $0.00. You can pay down your balance faster by including this
—
amount with your payment.
Remit Coupon for
I I I _ - _- —
CHASEI“!
S L AT E
P.O. BOX 15123
The Past Due Payment Due Date: 04/17/22
WILMINGTON, DE 19850-5123
amount of $1,258.00 is New Balance: $5,545.30
For Undeliverable Mail Only
included in your
Minimum Payment Due: $1,410.00
Minimum Payment.
—_
Account number: — 3384
$_________________________.___________ Amount Enclosed
Make/Mail to Chase Card Services at the address below:
ELIZABETH S HITCHCOCK
1887 HUDSON AVE
ROCHESTER NY 14617 -5107
CARDMEMBER SERVICE
PO BOX 1423
CHARLOTTE NC 28201-1423
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FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23
NYSCEF DOC. NO. 1
To contact us regarding your account:
RECEIVED NYSCEF: 05/13/2024
Q)
Call Customer Service:
In U.S.
Spanish
1-800-945-2000
1-888-446-3308
Pay by phone 1-800-436-7958
?
Send Inquiries to:
E
Mail Payments to:
“?
Visit Our Website:
International 1-302-594-8200 P.O. Box 1423 www.chase.com/cardhelp
P.O. Box 15298
We accept operator relay calls Charlotte, NC 28201-1423
Wilmington, DE 19850-5298
InIormaIionAboulYourAccounl cashadvance,or checktransactioninthe amountstatedin your AccountAgreement.
Thereis a foreign transactionfee of 3%of the U.S.dollar amountof any foreign
M k' Y P I _ Th f h Id b | transactionfor someaccounts.Pleaseseeyour AccountAgreementfor information
miiiilnligm:gymgytniieu:spayaiileaiiiolunst
oollyaorgrahsyuoziiiin
Sorinorpayaiiief?fguéoru;
aboutthesefees.
U.S.financialinstitutioiior the U.S.branchof a foreignfinancialinstitution.Youcan
pay down balancesfaster by payingmorethan the minimum paymentor the total Weaddtransactionsandfeesto your daily balancenoearlierthan:
unpaidbalanceon your account. .
1.the dateof thetransaction—fornew purchases,balancetransfers,overdraft
Youmaymakepaymentselectronicallythroughourwebsiteor byoneof our customer advances,cashadvances,or My ChaseLoans;
servicephonenumbersabove.In usinganyof thesechannels,you areauthorizingus .
to withdrawfunds as a one-timeelectronicfunds transferfrom your bankaccount. 2-the datethe payeedepoSItsthe check‘ for new cashadvancechecksor
In our automatedphonesystem,this authorizationis providedvia entryof a personal balancetransferchecks;
identificationnumber.You may revokethis authorizationby cancellingyour payment
3 the dateof a relatedtransactionthe datetheyare postedto your accountor
.
through our websiteor customerservicetelephonenumbersprior to the payment Ithe last day of the billingcycle. Ywhicheverwe
may choose—forfees
processing.If we receiveyour completedpaymentrequestthrough one of these
channelsby 11:59 pmEasternTime.we will credit your paymentas of that day. if HowToAvoid PayingInleresl 0n Purchases:Yourduedatewill bea minimumof 21
we receiveyour requestafter 11:59 pm. EasternTime,we will credit your payment daysafterthe closeof eachbillingcycle. If you payyour account(or InterestSaving
as of the nextcalendarday.lfyou specifyafulure datein your requestwewill credit Balance)in full eachbilling periodby the dateandtime due, no interestis charged
your payment83OfthAtday. on newpurchasesmonthto month.Also,wewill not imposeinterestchargeson any
If you pay by regularU.S.mailto the Paymentsaddressshownon this statement portionof a purchasebalanceyou repayWh“?that balanceis swim to an interest-
free to interest-free for we WI” begin
wriie your accountnumberon your checkor moneyorder andincludethe payment ”Prou- Subject any 9.5”“? '.‘GWpurchases,
couponinthe envelope.Donotsendmorethanone paymentorcouponperenvelope. charginginterestfrom the datea transaction(includingany balancetransfer,cash
Do not staple clip or tape the documents.Do not includecorrespondence.Do not advanceor overdraftadvance),fee or interestchargeis addedto your daily balance
sendcash.If we receiveyour properlypreparedpaymenton anyday by 5 pmlocal account paid full. Becausewe apply paymentsin
uhti! your is in excessof your
time at our Paymentsaddresson this statement,we will creditto your accountthat minimumpaymentfirst to ratebalances,you may be to avoidinterest
higher not ahle
day. If your paymentis receivedafter5 pmlocaltime at our Paymentsaddresson chargeson newpurchasesif you haveanotherbalanceata higherinterestrateunless
this statement,wewill creditit to your accountasof the nextcalendarday. you payyour balance(or InterestSavingBalance)in full eachmonth.
Credll If want aboutyour optionsto helppreventyour account
Forall other paymentsorfor anypaymenttype aboveforwhich you do notfollowour Llmllr you to inquire
from exceedingyour credit limit, pleasecallthe numberon the backof your card.
paymentinstructions,creditingof your paymentsmay be delayedfor up to 5 days.
AccounlInlormallon ReporledTo Credll Bureau:Wemayreport informationabout ToDo "You ThinkYou A Mlslake OnYourSlalemenl: If you
Whal Find thinkthlere
your Accountto credit bureaus.Late payments,missedpaymentsor other defauns is an error on write to us on a separatesheetat CustomerSerVIce,
yourlstatement,
on your Accountmay bereflectedin your credit report.If you thinkwe havereported PO.BOX15299:Wilmington,DE19850-5299.
inaccurateinformationto a credit bureau,pleasewrite to us at ChaseCardServices - - - - .
In your letter,giveusthefollowmg information.
PO.Box 15369,Wilmington,DE19850-5369.
'Aooounr '"rormauor‘ryour ”or“ “to Aooounr”umoor'
To Service And ManageAny 01Your Accounl(s): By providing my mobile phone
number,I am giving permissionto be contactedat that numberabout all of my . Dollaramount:Thedollaramountof the suspectederror.
accounts by JPMorganChaseand companiesworking on its behalf. My consent . . . . . .
° Description If describe
allows the use of text messages,artificial or prerecordedvoice messagesand of Problem: you thinktherelis an error on your bill,
automaticdialing technologyfor informationaland accountservicing, but not for Wh3tyou believe'5 wrong andwhy YOUbelieveIt ISa mlSiAKG-
salesor telemarketing.Messageanddataratesmayapply. Youmustcontactus within 60 daysafterthe error appearedon your statement.
Aulhorlzallon To ConverlYour CheckToAn Eleclronlc TranslerDehll: Whenyou You must notify us of any potentialerrors in writing. You may call us or notify us
prowdea checkas Payment:you authorizeus eitherto use informationfrom your
checkto makea one-timeelectronicfund transferfrom your accountor to process electronically,but if you dowearenot requiredto investigateanypotentialerrorsand
the paymentasa check.Yourbankaccountmay bedebitedas soonasthesameday you may haveto paythe amountin question'
W9FGGGiVe Yourpayment.YouWillhOireceiveyour GheCk backfrom your institution. Whilewe investigatewhetheror nottherehasbeenan error,the following aretrue:
Condlllonal Paymenls:Any paymentcheckor otherform OfpaymentihAi YOUsend 0 Wecannottry to collecttheamountin question,or reportyou as delinquenton
usfor lessthanthefull balanceduethat is marked“paid in full” or containsa similar thatamount.
notation, or that you otherwisetender in full satisfactionof a disputed amount, . . . .
must be sent to Card Services,PO. Box 15049,Wilmington, DE19850-5049.We -The chargein remainon your we COhhhlle
911951thmay statement,and may
reserveall our rights regardingthese payments(e.g., if it is determinedthere is no YOU 0h ihAi amount.3111.
If ihAi madea
torcharge lhiel’eSi Wedetermine We
valid disputeor if any suchcheckis receivedat any other address,we mayaccept mlSiAKG.YOUWI” h0i haveto PAYthe amountlh qUGSIIOh 0" any lhiel’eSi0"
the checkand you will still owe any remainingbalance).Wemay refuseto accept otherfeesrelated10ihAi amount.
any such paymentby returning it to you, not cashing it or destroyingit. All other . . .
OWh'ile you do not haveto paythe amountin question,you are responSIble for
you makeshouldbesentto the regularPaymentaddressshownon the remainderof your balance.
phaiyérupantusmtuur
Annual Renewal Nollce: If your Account Agreementhas an annual membership
°Wocan applyanyunpaidamountagainstyour credit limit.
fee, YOUare responsiblefor it GVGI’V Veal’your
Account is OPGh-WeWill Addyour Your RIghIs II You Are Dlssallslled WIIh Your Credll CardPurchases:If you are
annualmembershipfeeto Yourmonthlyhliilhg oncea year,whether0" h°t dissatisfiedwith the goodsor servicesthat you havepurchasedwith your creditcard,
statement
YOUuseYourACCOUhi- YourannualmembershipfeeWI” be addedto Yourpurchase andyou havetried in goodfaith to correctthe problemwith the merchant,you may
balanceandmay incurinterest.Theannualmembershipfeeis non-refundableunless havethe right notto paythe remainingamountdueon the purchase.
you notify usthat you wish to closeyour accountwithin 30 daysor one billingcycle . . .
(whicheveris less)afterwe providethe statementonwhichthe annualmembership TOUSEthis light. all Ofthe i°ii°W|hQ”“151betrue:
fee is billed.Your paymentof the annualmembershipfee doesnot affectour rights . . . .
1.The purchasemust beenmadeIn your home wuhm100miles
to closeyour Accountandto limit your right to maketransactionson your Account. have Sure.”
. . . of your current mailingaddress,and the purchaseprice must havebeen
If your Accountis closedbyyou or us, the annualmembershipfeeWill no longerbe .
. Neitherof .
morethan $50. (Note. theseare necessaryif your purchasewas
billedto yourAccount.
basedon anadvertisementwe mailedto you, or if we ownthe companythat
CalculationOI BalanceSuhiecl To Interest Rate:To figure your periodic interest sold you the goodsor services.)
chargesfor each billing cycle when a daily periodic rate(s) applies, we use the . .
2' have Purchases
daily balancemethod(including newtransactions).To figureyour periodicinterest
Youhmust
cas a vancesusedyouEu/Iedli orwn
“lg forrtrhekpuuchase.
a c ec t at accessesyour cre
mauie
u car
WI“;
chargesfor each billing cycle when a monthlyperiodicrate(s)applies,we usethe rom'an
Accountdo not qualify.
averagedaily balancemethod (including new transactions).For an explanationof
either method,or questionsabouta particular on
interest chargecalculatron your 3' You must not yet havefully paidforthe purchase.
statement,pleasecall usatthetoll freecustomerserVIcephonenumberlistedabove.
. . . lfallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase,contact
We for (for us in writing at CustomerService,PO. Box 15299,Wilmington,DE19850-5299.
purchalculateb
ases, apance
leriodict
rans
interest
ers,chargesseparately
cas a vances or over eacdh
rarteatudre
a vances. ese
)exaiyipley
calculationsmaycombinedifferentcategorieswith the sameperiodicrates.Variable While we investigate,the same rules apply to the disputed amountas discussed
rateswill vary with the marketbasedon the Prime Rateor such indexdescribed above.Afterwe finish our investigation,wewill tell you ourdecision.Atthat point, if
in your Account Agreement.There is a transactionfee for each balancetransfer, wethink you oweanamountandyou do not paywe mayreportyou as delinquent.
MA05042021
To manage your account, including card payments, alerts, and change of address, visit
www.chase.com/cardhelp or call the customer service number which appears on your
account statement.
8 of 10
Index #:
#: 000412-2024
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-
FILED: LIVINGSTON INDEX PM
COUNTY CLERK 05/13/2024 08:23 NO. 000412-2024
| CHASE“'
{
Manage your account online at: Customer Service: Mobile: Download the
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024
SL T E‘”
www.chase.com/cardhelp ~ 1-800-945-2000
Chase Mobile
app today
0
YOUR ACCOUNT MESSAGES (CONTINUED)
Your account is closed and no longer available for use.
Table Summary
ACCOUNT ACTIVITY
Date of
Transaction
Merchant Name or Transaction Description $ Amount
INTEREST CHARGED
03/20 PURCHASE INTEREST CHARGE 96.92
TOTAL INTEREST FOR THIS PERIOD $96.92
2022 Totals Year-to-Date
Total fees charged in 2022 $80.00
Total interest charged in 2022 $303.42
Year-to-date totals do not reflect any fee or interest refunds
you may have received.
Table Summary
INTEREST CHARGES
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Balance Type Percentage Subject To Interest
Rate (APR) Interest Rate Charges
PURCHASES empty cell empty cell empty cell
Purchases 22.99% (v)(d) $5,494.96 $96.92
CASH ADVANCES empty cell empty cell empty cell
Cash Advances 24.99% (v)(d) - 0 - - 0 -
BALANCE TRANSFERS empty cell empty cell empty cell
Balance Transfer 22.99% (v)(d) - 0 - - 0 -
28 Days in Billing Period
(v) = Variable Rate
(d) = Daily Balance Method (including new transactions)
(a) = Average Daily Balance Method (including new transactions)
Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice,
How to Avoid Interest on Purchases, and other important information, as applicable.
_—
ELIZABETH S HITCHCOCK
I I I _ 9 of 10—
Page 2 of 2
- _- Statement Date:
—
03/20/22
Index #:
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NO. #: 000412-2024
000412-2024
FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024
10 of 10
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FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM INDEX NO. 000412-2024 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024 .5: Andrea K. Bailey, County Clerk .zg'izizizzii _:::'::: i: Livingston County Government Center 5;: ,3, I 6 Court Street, Room 201 :::.: __ 1521 _..........::" Geneseo, New York 14454 (585) 243-7010 ~ Fax (585) 243-7928 Livingston County Clerk Recording Page Received From: Return To: KEITH H. ROTHMAN KEITH H. ROTHMAN 1787 VETERANS HWY 1787 VETERANS HWY ISLANDIA, NY 11749 ISLANDIA, NY 11749 Document Type: CIVIL ACTION - MISC Document Desc: SUMMONS + COMPLAINT Plaintiff Defendant JPMORGAN CHASE BANK, N.A. HITCHCOCK ELIZABETH S Recorded Information: State of New York Index #: 000412-2024 County of Livingston EFiling through NYSCEF ?mw? Livingston County Clerk This sheet constitutes the Clerk’s endorsement required by section 319 of the Real Property Law of the State of New York mat Do Not Detach 1 of 10 IndexNO. INDEX # : 000412-2024 000412-2024 FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM NYSCEFSUPREME COURT DOC. NO. 1 OF THE STATE OF NEW YORK Index No. RECEIVED NYSCEF: 05/13/2024 COUNTY OF LIVINGSTON Date Filed: ________________ ---------------------------------------- JPMORGAN CHASE BANK, N.A. SUMMONS (ORIGINAL) Plaintiff -against- ELIZABETH S HITCHCOCK The Basis of Venue is: Defendant's residence Defendant(s) Plaintiff's Residence: ---------------------------------------- 201 N WALNUT ST WILMINGTON, DE 19801 CONSUMER CREDIT TRANSACTION County of NEW CASTLE 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, or, if the complaint is not served with this summons to serve a notice of appearance, on the Plaintiff's Attorney(s) within TWENTY days after the service of this summons, exclusive of the day of service (or within THIRTY days after the service is complete if this summons is not personally delivered to you within the State of New York); and in case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded herein. Dated: Islandia, New York MAY 13, 2024 RUBIN & ROTHMAN, LLC Attorneys for Plaintiff 1787 Veterans Highway Islandia, N.Y. 11749 (631) 234-1500 DEFENDANT(S) ADDRESS: ELIZABETH S HITCHCOCK 7321 DUBLIN ST LIMA, NY 14485 WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. NYC DCA LIC. 2110651 Our File No 1486441 Y 1 0- 0 V SZV 000 000006862881 2 of 10 IndexNO. INDEX #: 000412-2024 000412-2024 FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM NYSCEFSUPREME COURT DOC. NO. 1 OF THE STATE OF NEW YORK RECEIVED NYSCEF: 05/13/2024 COUNTY OF LIVINGSTON Index No. ---------------------------------------- JPMORGAN CHASE BANK, N.A. Plaintiff -against- COMPLAINT (ORIGINAL) ELIZABETH S HITCHCOCK Defendant(s) ---------------------------------------- Plaintiff, by its attorneys, complaining of Defendant(s), alleges: AS AND FOR A FIRST CAUSE OF ACTION 1. Defendant(s) resides in the county in which this action is brought; or transacted business in the county in which this action is brought in person or through an agent, or this cause of action arose out of said transaction. Plaintiff is not required to be licensed by the NYC Dept of Consumer Affairs because it is the original creditor. 2. Plaintiff is a national banking association chartered under the laws of the United States. 3. Defendant(s) maintained a revolving credit account with Plaintiff and agreed to make payments for goods and services charged, balance transfers, and/or cash advances made upon such card. 4. Defendant(s) later defaulted on the terms of the agreement. 5. The last payment in good and collectable funds was received on or about 4/23/23 in the amount of $ 139.00. 6. The last four digits of the account number printed on the most recent monthly statement recording a purchase transaction, last payment or balance transfer are 3384 7. The account balance printed on the most recent monthly statement recording a purchase transaction, last payment or balance transfer is $ 4,627.28. 8. Plaintiff is the entity that owned the consumer credit account at the date of default giving rise to the cause of action and is the original creditor as defined by CPLR 105(q-1). 3 of 10 IndexNO. INDEX #: 000412-2024 000412-2024 FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024 9. Defendant(s) failed to make the payments due pursuant to the credit account and $ 4,025.12 is now due and owing to Plaintiff from Defendant. This amount includes a charge-off balance of $ 5,545.30, post charge-off interest of $ .00, post charge-off non-interest charges or fees and/or other balance adjustment of $ .00, less post charge-off payments, balance adjustments and/or credits made on the debt of $ 1,520.18. 10. A copy of the charge-off statement issued for the account at issue is attached hereto. WHEREFORE, Plaintiff requests judgment against Defendant(s) in the sum of $ 4,025.12. RUBIN & ROTHMAN, LLC MAY 13, 2024 Attorneys for Plaintiff 1787 Veterans Highway Islandia, NY 11749 (631) 234-1500 Deponent is an attorney associated with Rubin & Rothman, LLC. To the best of deponent's knowledge, information and belief, formed after an inquiry reasonable under the circumstances, the summons and complaint or the contentions therein are not frivolous as defined in section 130-1.1(c) of the Rules of the Chief Adm. and the matter was not obtained through illegal conduct or in violation of 22 NYCRR 1200, Rule 4.5. Dated: MAY 13, 2024 ______________________ 2%; Ii SUBY MATHEW WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. NYC DCA LIC. 2110651 Our FILE OUR File NO No 1486441 X 3 0- 0 V SZV 000 000006862881 4 of 10 IndexNO. INDEX #: 000412-2024 000412-2024 FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM NYSCEFSUPREME COURT DOC. NO. 1 OF THE STATE OF NEW YORK RECEIVED NYSCEF: 05/13/2024 COUNTY OF LIVINGSTON ---------------------------------------- JPMORGAN CHASE BANK, N.A. Plaintiff -against- Index No. ELIZABETH S HITCHCOCK Defendant(s) ---------------------------------------- NOTICE OF ELECTRONIC FILING (Mandatory Case) (Uniform Rule § 202.5-bb) You have received this Notice because: 1) The Plaintiff/Petitioner, whose name is listed above, has filed this case using the New York State Courts E-filing system ("NYSCEF"), and 2) You are a Defendant/Respondent (a party) in this case. If you are represented by an attorney: Give this Notice to your attorney. (Attorneys: see "Information for Attorneys" pg. 2). If you are not represented by an attorney: You will be served with all documents in paper and you must serve and file your documents in paper, unless you choose to participate in e-filing. If you choose to participate in e-filing, you must have access to a computer and a scanner or other device to convert documents into electronic format, a connection to the internet, and an e-mail address to receive service of documents. The benefits of participating in e-filing include: Serving and filing your documents electronically. Free access to view and print your e-filed documents. Limiting your number of trips to the courthouse. Paying any court fees on-line (credit card needed). Our file no.: 1486441 Page 1 of 2 5/13/24 EFM-1 5 of 10 IndexNO. INDEX #: 000412-2024 000412-2024 FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 PM NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024 To register for e-filing or for more information about how e-filing works: Visit: www.nycourts.gov/efile-unrepresented or Contact the Clerk's Office or Help Center at the court where the case was filed. Court contact information can be found at www.nycourts.gov To find legal information to help you represent yourself visit www.nycourt. gov Information for Attorneys (E-filing is Mandatory for Attorneys) An attorney representing a party who is served with this notice must either: 1) immediately record his or her representation within the e-filed matter on the NYSCEF site www.nycourts.gov/efile; or 2) file the Notice of Opt-Out form with the clerk of the court where this action is pending and serve on all parties. Exemptions from mandatory e-filing are limited to attorneys who certify in good faith that they lack the computer hardware and/or scanner and/or internet connection or that they lack (along with all employees subject to their direction) the knowledge to operate such equipment. [Section 202.5-bb(e)]. For additional information about electronic filing and to create a NYSCEF account, visit the NYSCEF website at www.nycourts.gov/efile; or contact the NYSCEF Resource Center (phone: 646-386-3033; e-mail: nyscef@nycourts.gov). Dated: Islandia, New York MAY 13, 2024 45 I Z ____________________ RUBIN & ROTHMAN, LLC SUBY MATHEW 1787 VETERANS HIGHWAY RUBIN & ROTHMAN, LLC ISLANDIA, NY 11749 (631) 234-1500 NYDOCS@RUBINROTHMAN.COM To: ELIZABETH S HITCHCOCK 7321 DUBLIN ST LIMA, NY 14485 Index no.: Page 2 of 2 5/13/24 EFM-1 WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. NYC DCA LIC. 2110651 Our File No 1486441 X 5 0- 0 V SZV 000 000006862881 6 of 10 - - Index #: INDEX PM NO. #: 000412-2024 000412-2024 FILED: LIVINGSTON CHASEL! COUNTY CLERK 05/13/2024 08:23 { l Manage your account online at: Customer Service: Mobile: Download the NYSCEF DOC. NO. 1 ~ RECEIVED NYSCEF: 05/13/2024 SL T E® www.chase.com/cardhelp 1-800-945-2000 Chase Mobile app today a SCENARIO-1D New Balance April 2022 $5,545.30 S M T W T F S Minimum Payment Due 27 28 29 30 31 1 2 $1,410.00 3 4 5 6 7 8 9 Payment Due Date 10 11 12 13 14 15 16 04/17/22 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 Late Payment Warning: Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $40.00 and your APR's will be subject to increase to a maximum Penalty APR of 29.99%. Minimum Payment Warning: Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Table Summary If you make no You will pay off the And you will end up additional charges balance shown on this paying an estimated using this card and statement in about... total of... each month you pay... Only the minimum 14 years $12,052 payment If you would like information about credit counseling services, call 1-866-797-2885. ACCOUNT SUMMARY Account Number: — 3384 Previous Balance $5,448.38 Payment, Credits $0.00 Purchases $0.00 Cash Advances $0.00 Balance Transfers $0.00 Fees Charged $0.00 ` Interest Charged +$96.92 New Balance $5,545.30 Opening/Closing Date 02/21/22 - 03/20/22 Credit Limit $4,500 Available Credit $0 Cash Access Line $225 ` Available for Cash $0 Past Due Amount $1,258.00 Balance over the Credit Limit $0.00 YOUR ACCOUNT MESSAGES New York Residents: New York residents may contact the New York State Department of Financial Services at 1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods. _— You are over your credit line/credit access line by $0.00. You can pay down your balance faster by including this — amount with your payment. Remit Coupon for I I I _ - _- — CHASEI“! S L AT E P.O. BOX 15123 The Past Due Payment Due Date: 04/17/22 WILMINGTON, DE 19850-5123 amount of $1,258.00 is New Balance: $5,545.30 For Undeliverable Mail Only included in your Minimum Payment Due: $1,410.00 Minimum Payment. —_ Account number: — 3384 $_________________________.___________ Amount Enclosed Make/Mail to Chase Card Services at the address below: ELIZABETH S HITCHCOCK 1887 HUDSON AVE ROCHESTER NY 14617 -5107 CARDMEMBER SERVICE PO BOX 1423 CHARLOTTE NC 28201-1423 7 of 10 Index #: INDEX PM NO. #: 000412-2024 000412-2024 FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 NYSCEF DOC. NO. 1 To contact us regarding your account: RECEIVED NYSCEF: 05/13/2024 Q) Call Customer Service: In U.S. Spanish 1-800-945-2000 1-888-446-3308 Pay by phone 1-800-436-7958 ? Send Inquiries to: E Mail Payments to: “? Visit Our Website: International 1-302-594-8200 P.O. Box 1423 www.chase.com/cardhelp P.O. Box 15298 We accept operator relay calls Charlotte, NC 28201-1423 Wilmington, DE 19850-5298 InIormaIionAboulYourAccounl cashadvance,or checktransactioninthe amountstatedin your AccountAgreement. Thereis a foreign transactionfee of 3%of the U.S.dollar amountof any foreign M k' Y P I _ Th f h Id b | transactionfor someaccounts.Pleaseseeyour AccountAgreementfor information miiiilnligm:gymgytniieu:spayaiileaiiiolunst oollyaorgrahsyuoziiiin Sorinorpayaiiief?fguéoru; aboutthesefees. U.S.financialinstitutioiior the U.S.branchof a foreignfinancialinstitution.Youcan pay down balancesfaster by payingmorethan the minimum paymentor the total Weaddtransactionsandfeesto your daily balancenoearlierthan: unpaidbalanceon your account. . 1.the dateof thetransaction—fornew purchases,balancetransfers,overdraft Youmaymakepaymentselectronicallythroughourwebsiteor byoneof our customer advances,cashadvances,or My ChaseLoans; servicephonenumbersabove.In usinganyof thesechannels,you areauthorizingus . to withdrawfunds as a one-timeelectronicfunds transferfrom your bankaccount. 2-the datethe payeedepoSItsthe check‘ for new cashadvancechecksor In our automatedphonesystem,this authorizationis providedvia entryof a personal balancetransferchecks; identificationnumber.You may revokethis authorizationby cancellingyour payment 3 the dateof a relatedtransactionthe datetheyare postedto your accountor . through our websiteor customerservicetelephonenumbersprior to the payment Ithe last day of the billingcycle. Ywhicheverwe may choose—forfees processing.If we receiveyour completedpaymentrequestthrough one of these channelsby 11:59 pmEasternTime.we will credit your paymentas of that day. if HowToAvoid PayingInleresl 0n Purchases:Yourduedatewill bea minimumof 21 we receiveyour requestafter 11:59 pm. EasternTime,we will credit your payment daysafterthe closeof eachbillingcycle. If you payyour account(or InterestSaving as of the nextcalendarday.lfyou specifyafulure datein your requestwewill credit Balance)in full eachbilling periodby the dateandtime due, no interestis charged your payment83OfthAtday. on newpurchasesmonthto month.Also,wewill not imposeinterestchargeson any If you pay by regularU.S.mailto the Paymentsaddressshownon this statement portionof a purchasebalanceyou repayWh“?that balanceis swim to an interest- free to interest-free for we WI” begin wriie your accountnumberon your checkor moneyorder andincludethe payment ”Prou- Subject any 9.5”“? '.‘GWpurchases, couponinthe envelope.Donotsendmorethanone paymentorcouponperenvelope. charginginterestfrom the datea transaction(includingany balancetransfer,cash Do not staple clip or tape the documents.Do not includecorrespondence.Do not advanceor overdraftadvance),fee or interestchargeis addedto your daily balance sendcash.If we receiveyour properlypreparedpaymenton anyday by 5 pmlocal account paid full. Becausewe apply paymentsin uhti! your is in excessof your time at our Paymentsaddresson this statement,we will creditto your accountthat minimumpaymentfirst to ratebalances,you may be to avoidinterest higher not ahle day. If your paymentis receivedafter5 pmlocaltime at our Paymentsaddresson chargeson newpurchasesif you haveanotherbalanceata higherinterestrateunless this statement,wewill creditit to your accountasof the nextcalendarday. you payyour balance(or InterestSavingBalance)in full eachmonth. Credll If want aboutyour optionsto helppreventyour account Forall other paymentsorfor anypaymenttype aboveforwhich you do notfollowour Llmllr you to inquire from exceedingyour credit limit, pleasecallthe numberon the backof your card. paymentinstructions,creditingof your paymentsmay be delayedfor up to 5 days. AccounlInlormallon ReporledTo Credll Bureau:Wemayreport informationabout ToDo "You ThinkYou A Mlslake OnYourSlalemenl: If you Whal Find thinkthlere your Accountto credit bureaus.Late payments,missedpaymentsor other defauns is an error on write to us on a separatesheetat CustomerSerVIce, yourlstatement, on your Accountmay bereflectedin your credit report.If you thinkwe havereported PO.BOX15299:Wilmington,DE19850-5299. inaccurateinformationto a credit bureau,pleasewrite to us at ChaseCardServices - - - - . In your letter,giveusthefollowmg information. PO.Box 15369,Wilmington,DE19850-5369. 'Aooounr '"rormauor‘ryour ”or“ “to Aooounr”umoor' To Service And ManageAny 01Your Accounl(s): By providing my mobile phone number,I am giving permissionto be contactedat that numberabout all of my . Dollaramount:Thedollaramountof the suspectederror. accounts by JPMorganChaseand companiesworking on its behalf. My consent . . . . . . ° Description If describe allows the use of text messages,artificial or prerecordedvoice messagesand of Problem: you thinktherelis an error on your bill, automaticdialing technologyfor informationaland accountservicing, but not for Wh3tyou believe'5 wrong andwhy YOUbelieveIt ISa mlSiAKG- salesor telemarketing.Messageanddataratesmayapply. Youmustcontactus within 60 daysafterthe error appearedon your statement. Aulhorlzallon To ConverlYour CheckToAn Eleclronlc TranslerDehll: Whenyou You must notify us of any potentialerrors in writing. You may call us or notify us prowdea checkas Payment:you authorizeus eitherto use informationfrom your checkto makea one-timeelectronicfund transferfrom your accountor to process electronically,but if you dowearenot requiredto investigateanypotentialerrorsand the paymentasa check.Yourbankaccountmay bedebitedas soonasthesameday you may haveto paythe amountin question' W9FGGGiVe Yourpayment.YouWillhOireceiveyour GheCk backfrom your institution. Whilewe investigatewhetheror nottherehasbeenan error,the following aretrue: Condlllonal Paymenls:Any paymentcheckor otherform OfpaymentihAi YOUsend 0 Wecannottry to collecttheamountin question,or reportyou as delinquenton usfor lessthanthefull balanceduethat is marked“paid in full” or containsa similar thatamount. notation, or that you otherwisetender in full satisfactionof a disputed amount, . . . . must be sent to Card Services,PO. Box 15049,Wilmington, DE19850-5049.We -The chargein remainon your we COhhhlle 911951thmay statement,and may reserveall our rights regardingthese payments(e.g., if it is determinedthere is no YOU 0h ihAi amount.3111. If ihAi madea torcharge lhiel’eSi Wedetermine We valid disputeor if any suchcheckis receivedat any other address,we mayaccept mlSiAKG.YOUWI” h0i haveto PAYthe amountlh qUGSIIOh 0" any lhiel’eSi0" the checkand you will still owe any remainingbalance).Wemay refuseto accept otherfeesrelated10ihAi amount. any such paymentby returning it to you, not cashing it or destroyingit. All other . . . OWh'ile you do not haveto paythe amountin question,you are responSIble for you makeshouldbesentto the regularPaymentaddressshownon the remainderof your balance. phaiyérupantusmtuur Annual Renewal Nollce: If your Account Agreementhas an annual membership °Wocan applyanyunpaidamountagainstyour credit limit. fee, YOUare responsiblefor it GVGI’V Veal’your Account is OPGh-WeWill Addyour Your RIghIs II You Are Dlssallslled WIIh Your Credll CardPurchases:If you are annualmembershipfeeto Yourmonthlyhliilhg oncea year,whether0" h°t dissatisfiedwith the goodsor servicesthat you havepurchasedwith your creditcard, statement YOUuseYourACCOUhi- YourannualmembershipfeeWI” be addedto Yourpurchase andyou havetried in goodfaith to correctthe problemwith the merchant,you may balanceandmay incurinterest.Theannualmembershipfeeis non-refundableunless havethe right notto paythe remainingamountdueon the purchase. you notify usthat you wish to closeyour accountwithin 30 daysor one billingcycle . . . (whicheveris less)afterwe providethe statementonwhichthe annualmembership TOUSEthis light. all Ofthe i°ii°W|hQ”“151betrue: fee is billed.Your paymentof the annualmembershipfee doesnot affectour rights . . . . 1.The purchasemust beenmadeIn your home wuhm100miles to closeyour Accountandto limit your right to maketransactionson your Account. have Sure.” . . . of your current mailingaddress,and the purchaseprice must havebeen If your Accountis closedbyyou or us, the annualmembershipfeeWill no longerbe . . Neitherof . morethan $50. (Note. theseare necessaryif your purchasewas billedto yourAccount. basedon anadvertisementwe mailedto you, or if we ownthe companythat CalculationOI BalanceSuhiecl To Interest Rate:To figure your periodic interest sold you the goodsor services.) chargesfor each billing cycle when a daily periodic rate(s) applies, we use the . . 2' have Purchases daily balancemethod(including newtransactions).To figureyour periodicinterest Youhmust cas a vancesusedyouEu/Iedli orwn “lg forrtrhekpuuchase. a c ec t at accessesyour cre mauie u car WI“; chargesfor each billing cycle when a monthlyperiodicrate(s)applies,we usethe rom'an Accountdo not qualify. averagedaily balancemethod (including new transactions).For an explanationof either method,or questionsabouta particular on interest chargecalculatron your 3' You must not yet havefully paidforthe purchase. statement,pleasecall usatthetoll freecustomerserVIcephonenumberlistedabove. . . . lfallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase,contact We for (for us in writing at CustomerService,PO. Box 15299,Wilmington,DE19850-5299. purchalculateb ases, apance leriodict rans interest ers,chargesseparately cas a vances or over eacdh rarteatudre a vances. ese )exaiyipley calculationsmaycombinedifferentcategorieswith the sameperiodicrates.Variable While we investigate,the same rules apply to the disputed amountas discussed rateswill vary with the marketbasedon the Prime Rateor such indexdescribed above.Afterwe finish our investigation,wewill tell you ourdecision.Atthat point, if in your Account Agreement.There is a transactionfee for each balancetransfer, wethink you oweanamountandyou do not paywe mayreportyou as delinquent. MA05042021 To manage your account, including card payments, alerts, and change of address, visit www.chase.com/cardhelp or call the customer service number which appears on your account statement. 8 of 10 Index #: #: 000412-2024 - - FILED: LIVINGSTON INDEX PM COUNTY CLERK 05/13/2024 08:23 NO. 000412-2024 | CHASE“' { Manage your account online at: Customer Service: Mobile: Download the NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024 SL T E‘” www.chase.com/cardhelp ~ 1-800-945-2000 Chase Mobile app today 0 YOUR ACCOUNT MESSAGES (CONTINUED) Your account is closed and no longer available for use. Table Summary ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $ Amount INTEREST CHARGED 03/20 PURCHASE INTEREST CHARGE 96.92 TOTAL INTEREST FOR THIS PERIOD $96.92 2022 Totals Year-to-Date Total fees charged in 2022 $80.00 Total interest charged in 2022 $303.42 Year-to-date totals do not reflect any fee or interest refunds you may have received. Table Summary INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Balance Type Percentage Subject To Interest Rate (APR) Interest Rate Charges PURCHASES empty cell empty cell empty cell Purchases 22.99% (v)(d) $5,494.96 $96.92 CASH ADVANCES empty cell empty cell empty cell Cash Advances 24.99% (v)(d) - 0 - - 0 - BALANCE TRANSFERS empty cell empty cell empty cell Balance Transfer 22.99% (v)(d) - 0 - - 0 - 28 Days in Billing Period (v) = Variable Rate (d) = Daily Balance Method (including new transactions) (a) = Average Daily Balance Method (including new transactions) Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice, How to Avoid Interest on Purchases, and other important information, as applicable. _— ELIZABETH S HITCHCOCK I I I _ 9 of 10— Page 2 of 2 - _- Statement Date: — 03/20/22 Index #: INDEX PM NO. #: 000412-2024 000412-2024 FILED: LIVINGSTON COUNTY CLERK 05/13/2024 08:23 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 05/13/2024 10 of 10