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Case Number: CACE-15-012821 Division: 03
Filing # 29803975 E-Filed 07/17/2015 03:53:01 PM
IN THE COUNTY COURT IN AND FOR
BROWARD COUNTY, FLORIDA
PORTFOLIO RECOVERY ASSOCIATES, LLC, CASE NO.:
Plaintiff,
\s.
TADIANA CAICEDO,
Defendant(s).
/
COMPLAINT
Plaintiff sues Defendant for damages, and would allege:
1. This is an action for damages for more than $5,000.
2. Defendant obtained and used SYNCHRONY BANK / SYNCHRONY BANK revolving credit account, = (the
“Account").
3. Plaintiffis the successor in interest of said Account having purchased said Account in good faith, for value, and in the
ordinary course of business. (See Exhibit A).
4, Defendant did make purchases and charged same to the Account, but after statements were provided to Defendant,
Defendant failed to make the monthly payments due upon the Account and failed to object to the balance then owing,
resulting in an Account Stated in the sum of $5,675.76. (See Attached).
5. Plaintiffhas declared Defendant to be in default and demands payment of the balance due on the Account. Defendant
has refused said demand
6. Defendant is indebted to Plaintiff in the sum of $5,675.76.
7. All conditions precedent to this action have occurred.
8. Pursuant to Rule 2.516, Plaintiff designates the following email addresses for the purpose of service of all documents
required to be served pursuant to Rule 2.516 in this proceeding. Primary E-Mail Addresses: David M. Greenbaum,
dmgreenbaum @portfoliorecovery.com, Racquel A. White, rawhite@portfoliorecovery.com, Chantel C. Wonder,
ccwonder@portfoliorecovery.com, Jessica L. Montes, jlmontes @portfoliorecovery.com, Brian M. Bilodeau,
bmbilodeau@portfoliorecovery.com, Secondary E-Mail Address: LitigationService@portfoliorecovery.com.
WHEREFORE, Plaintiff demands Judgment against Defendant for $5,675.76, plus costs.
By: /s/ David M. Greenbaum
Portfolio Recovery Associates, LLC [David M. Greenbaum, ESQ., FBN 0044057 Date: June 24, 2015
120 Corporate Blvd, Norfolk, VA23502 [ ]Racquel A White, ESQ., FBN 0392669
Telephone: 866/428-8102 Fax (757) 518-0860 [ ]Chantel C. Wonder, ESQ., FBN 87601
LitigationService@portfoliorecovery.com [ Jessica L. Montes, ESQ., FBN 47522
18-47666 [ ]Brian M. Bilodeau, ESQ., FBN 0632635
This communication is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
*** FILED: BROWARD COUNTY, FL HOWARD FORMAN, CLERK 7/17/2015 3:53:00 PM.****Exhibit A
AFFIDAVIT
State of Virginia
City of Norfolk ss.
I, the undersigned, i , Custodian of Records, for Portfolio Recovery Associates, LLC
hereby depose, affirm and state as follows:
Ll. Tam competent to testify to the matters contained herein.
2. I am an authorized employee of Portfolio Recovery Associates, LLC, (“Account Assignee”) which is doing
business at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia. I am familiar with the policies and
practices, as well as the books and records of Account Assignee with respect to the matters stated herein. This affidavit is
based upon my personal knowledge of Account Assignee’s record keeping system and my review of the business records
of the Original Creditor SYNCHRONY BANK, including a review of the business records transferred to Account
Assignee from SYNCHRONY BANK (“Account Seller”), which have become a part of and have integrated into Account
Assignee’s business records, in the ordinary course of business.
3. According to the business records, which are maintained in the ordinary course of business, the account, and all
proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account
having been sold, assigned and transferred by the Account Seller on 12/20/2014, Further, the Account Assignee has been
assigned all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement,
satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest
in said account or the proceeds thereof, for any purpose whatsoever.
4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary
course of business by the Account Assignee, there was due and payable from TADIANA CAICEDO (“Debtor and Co-
Debtor”) to the Account Seller the sum of $5,675.76 with the respect to account number ending in Il as of the date of
10/31/2014 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date
of the sale.
5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or
setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $5,675.76 as due and owing as of the
date of this affidavit.
6. Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the Defendant is
not on active military service of the United States.
Portfolio Recovery Associates, LLC
, Custodian of Records
: UN 2 4 2015
ofe me on.
Ee MELVIN.t JACKSON JR
NOTARY PUBLIC
REGISTRATION # 7622744
COMMONWEALTH OF VIRGINIA
MY COMMISSION EXPIRES
MAY 31, 2019
18-47666- 3311
This communication is from a debt collector and is an attempt to collect a debt.
. Any information obtained will be used for that purpose.synchrony
BANK
BILL of SALE
PRA — PSCC Fresh— December 2014
For value received and in further consideration of the mutual covenants and conditions
set forth in the Forward Flow Receivables Purchase Agreement (the “Agreement”), dated
as of this 17" day of July, 2014 by and between Synchrony Bank formerly known as GE
Capital Retail Bank (“Seller”), and Portfolio Recovery Associates, LLC (“Buyer”), Seller
hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns,
without recourse except as set forth in the Agrcement, to the extent of its ownership, the
Receivables as set forth in the Notification Files (as defined in the Agreement), delivered
by Seller to Buyer on December 20, 2014, and as further described in the Agreement.
Synchrony Bank
By: flas Dg -
Ken Wojcik
Title: SVP Collections and Recovery
CARECREDIT/SYNCHRONY BANK Nombre del Titular . eB CAICEDO
Numero de Cuenta: 5903
Fecha de cierre de estado de cuenta: 10/31/2014Resumen de Actividad de Cuenta
Informacién de Pago
Saldo (Balance) Anterior
+ Nuevas Compras
- Pagos
++ Creditos, Cargos de Seguro y
Ajustes (neto)
++ __Cargos por interés (neta)
$5,640.76 || Nuevo Saido (Balance)
$0.00 || Pago Minimo Total a Vencer
$0.00 | | Fecha de Vencimiento de Pago
$0.00
$4,564.00
14/02/2014
$5,640.76- || se DEBE RECIBIR EL PAGO A MAS TARDAR A LAS 5 P.M
Hora. Este EN LA FECHA DE VENCIMIENTO.
$0.00 | | Podemos convertir su pago en un débito electrénice. Ver al
Nuevo Saldo (Balance)
Limite de Crédito
Crédite Disponible
Dias de este Perfodo
(1-866-893-7864)
Pague en linea sin cargo en:mysynchrony.com (sdéio
disponible en inglés). Para Synchrony Bank servicio al
cliente o para reportar su tarje perdida o rabada, llame a’
El mejor momento para llamar es de miércoles a viernes.
$0.00 | | dorso.
$4,000.00
$0.00 Advertencia de Pago Atrasado: Sino recibimos su Pago
29
Minimo Total A Vencer a mas tardar en la Fecha de
Vencimiento de Pago indicada arriba, es posible que tenga que
pagar un cargo por pagos atrasados de hasta $35.00.
Resumen de Transacciones
40/25/2014 10/25/2014
40/31/2014 40/31/2014
INTERESES
CARGOS
CARGO POR MORA
TOTAL DE CARGOS Y CUOTAS PARA
ESTE PERIODO
INTERES COBRADO
INTERES COBRADO EN COMPRAS
TOTAL DE INTERES PARA ESTE
PERIODO
Tota! del Afio en Curso para 2014
\Cargos/Cuotas Totales Cobrados en 2014
Interés Total Cobrado en 2014
\Total de Interés Pagado en 2014
$385.00
$2,608.95
$58.95
Fecha de Fecha de Numero de Referencia Descripcién Monto
Transaccién Registro
10/31/2014 10/31/2014 | FS807200NOG0S9S990 AJUSTE A SU SALDO $2,490.00 CR
10/31/2014. 10/31/2014 F907200N000999990 AJUSTE CARGOS FINANCIEROS E $3,185.76 CR
$35.00
$35.00
$0.00
$0.00)
Calculo de Cargo por Interés
Fecha de Tasa de Saldo (Balance) {| Cargos por interés
Tipo de Saido (Balance) Vencimiento Porcentaje | Sujeto a fa Tasa de
Anual (APR) interés
Compras de NA 26.99% $0.00 $0.00
* Aviso: Revise la parte posteriary ias paginas adicionales (si las hay) para conocer informacién importante con respecto a
su cuenta.
5302 DFR 2 3 2 141031
ZXPACE 1 of 3
9072 3200 C632 O1CG5302
Pay online at mysynehrony.com of enclose this coupon with your check. Please use biue or black inkNumero de Cuenta
Pago Minimo Monto Fecha de Nuevo
Total a Vencer Vencido Vencimiento de Pago Saido
(Balance)
31,584.00 $0.00 11/02/2014 $0.00
5903
Pago Adjunto: $
z Nueva direccién 0 correo
electrénico? Marque la
casilla de la izquierda y ai
dorso escriba con letra
de moide los cambios
TADIANA CAICEDO
2940 ST THOMAS DR
HOLLYWOOD FL 33024-8570
Nombre del Titular de Tarjeta:) TADIANA CAICEDO
Envie el Pago a:
SYNCHRONY BANK
PO BOX 960061
ORLANDO, FL 32896-0061
El pago a vencer incluye $ 0.00 vencides. Por favor, pague el monto vencido INMEDIATAMENTE.
Numero de Cuenta: FY $903
Fecha de cierre de estado de cuenta: 10/31/2014
Noticias e informacién para el Titular de Tarjeta
importante: Con vigencia a partir del 2 de junio de 2014, GE Capital Retail Bank ("GECRB") cambid su nombre por Synchrony
Bank {"SYNCB"). Durante ia transicién, podra ver comunicaciones con cualquiera de os das nombres. Para obtener mas
informacion, visite gecrb.com/synchronybank
Statement not provided to customer.
Para proteger la confidencialidad de su cuenta, no nos posible proporcionar informacion sobre la
cuenta a alguna persona que no sea el 0 los titulares de tarjeta o un tercero autorizado. Si desea
autorizamos para hablar sobre su cuenta con un tercero autorizado como su conyuge, por favor
envie una autorizacion por escrito a la direccion de Consulatas Generales mostrada.5302 OFH 2 3 2 141031 ZXPAGE 2 of 3 9072 3200 CéJ2 C1Cch3025302 OFH 2 3 2 141031 ZXPAGE 3 of 3 9072 3200 CéJ2 C1Cch302
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Case Number: CACE-15-012821 Division: 03 Filing # 29803975 E-Filed 07/17/2015 03:53:01 PM IN THE COUNTY COURT IN AND FOR BROWARD COUNTY, FLORIDA PORTFOLIO RECOVERY ASSOCIATES, LLC, CASE NO.: Plaintiff, \s. TADIANA CAICEDO, Defendant(s). / COMPLAINT Plaintiff sues Defendant for damages, and would allege: 1. This is an action for damages for more than $5,000. 2. Defendant obtained and used SYNCHRONY BANK / SYNCHRONY BANK revolving credit account, = (the “Account"). 3. Plaintiffis the successor in interest of said Account having purchased said Account in good faith, for value, and in the ordinary course of business. (See Exhibit A). 4, Defendant did make purchases and charged same to the Account, but after statements were provided to Defendant, Defendant failed to make the monthly payments due upon the Account and failed to object to the balance then owing, resulting in an Account Stated in the sum of $5,675.76. (See Attached). 5. Plaintiffhas declared Defendant to be in default and demands payment of the balance due on the Account. Defendant has refused said demand 6. Defendant is indebted to Plaintiff in the sum of $5,675.76. 7. All conditions precedent to this action have occurred. 8. Pursuant to Rule 2.516, Plaintiff designates the following email addresses for the purpose of service of all documents required to be served pursuant to Rule 2.516 in this proceeding. Primary E-Mail Addresses: David M. Greenbaum, dmgreenbaum @portfoliorecovery.com, Racquel A. White, rawhite@portfoliorecovery.com, Chantel C. Wonder, ccwonder@portfoliorecovery.com, Jessica L. Montes, jlmontes @portfoliorecovery.com, Brian M. Bilodeau, bmbilodeau@portfoliorecovery.com, Secondary E-Mail Address: LitigationService@portfoliorecovery.com. WHEREFORE, Plaintiff demands Judgment against Defendant for $5,675.76, plus costs. By: /s/ David M. Greenbaum Portfolio Recovery Associates, LLC [David M. Greenbaum, ESQ., FBN 0044057 Date: June 24, 2015 120 Corporate Blvd, Norfolk, VA23502 [ ]Racquel A White, ESQ., FBN 0392669 Telephone: 866/428-8102 Fax (757) 518-0860 [ ]Chantel C. Wonder, ESQ., FBN 87601 LitigationService@portfoliorecovery.com [ Jessica L. Montes, ESQ., FBN 47522 18-47666 [ ]Brian M. Bilodeau, ESQ., FBN 0632635 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. *** FILED: BROWARD COUNTY, FL HOWARD FORMAN, CLERK 7/17/2015 3:53:00 PM.****Exhibit A AFFIDAVIT State of Virginia City of Norfolk ss. I, the undersigned, i , Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: Ll. Tam competent to testify to the matters contained herein. 2. I am an authorized employee of Portfolio Recovery Associates, LLC, (“Account Assignee”) which is doing business at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia. I am familiar with the policies and practices, as well as the books and records of Account Assignee with respect to the matters stated herein. This affidavit is based upon my personal knowledge of Account Assignee’s record keeping system and my review of the business records of the Original Creditor SYNCHRONY BANK, including a review of the business records transferred to Account Assignee from SYNCHRONY BANK (“Account Seller”), which have become a part of and have integrated into Account Assignee’s business records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having been sold, assigned and transferred by the Account Seller on 12/20/2014, Further, the Account Assignee has been assigned all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever. 4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from TADIANA CAICEDO (“Debtor and Co- Debtor”) to the Account Seller the sum of $5,675.76 with the respect to account number ending in Il as of the date of 10/31/2014 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale. 5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $5,675.76 as due and owing as of the date of this affidavit. 6. Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the Defendant is not on active military service of the United States. Portfolio Recovery Associates, LLC , Custodian of Records : UN 2 4 2015 ofe me on. Ee MELVIN.t JACKSON JR NOTARY PUBLIC REGISTRATION # 7622744 COMMONWEALTH OF VIRGINIA MY COMMISSION EXPIRES MAY 31, 2019 18-47666- 3311 This communication is from a debt collector and is an attempt to collect a debt. . Any information obtained will be used for that purpose.synchrony BANK BILL of SALE PRA — PSCC Fresh— December 2014 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the “Agreement”), dated as of this 17" day of July, 2014 by and between Synchrony Bank formerly known as GE Capital Retail Bank (“Seller”), and Portfolio Recovery Associates, LLC (“Buyer”), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agrcement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on December 20, 2014, and as further described in the Agreement. Synchrony Bank By: flas Dg - Ken Wojcik Title: SVP Collections and Recovery CARECREDIT/SYNCHRONY BANK Nombre del Titular . eB CAICEDO Numero de Cuenta: 5903 Fecha de cierre de estado de cuenta: 10/31/2014Resumen de Actividad de Cuenta Informacién de Pago Saldo (Balance) Anterior + Nuevas Compras - Pagos ++ Creditos, Cargos de Seguro y Ajustes (neto) ++ __Cargos por interés (neta) $5,640.76 || Nuevo Saido (Balance) $0.00 || Pago Minimo Total a Vencer $0.00 | | Fecha de Vencimiento de Pago $0.00 $4,564.00 14/02/2014 $5,640.76- || se DEBE RECIBIR EL PAGO A MAS TARDAR A LAS 5 P.M Hora. Este EN LA FECHA DE VENCIMIENTO. $0.00 | | Podemos convertir su pago en un débito electrénice. Ver al Nuevo Saldo (Balance) Limite de Crédito Crédite Disponible Dias de este Perfodo (1-866-893-7864) Pague en linea sin cargo en:mysynchrony.com (sdéio disponible en inglés). Para Synchrony Bank servicio al cliente o para reportar su tarje perdida o rabada, llame a’ El mejor momento para llamar es de miércoles a viernes. $0.00 | | dorso. $4,000.00 $0.00 Advertencia de Pago Atrasado: Sino recibimos su Pago 29 Minimo Total A Vencer a mas tardar en la Fecha de Vencimiento de Pago indicada arriba, es posible que tenga que pagar un cargo por pagos atrasados de hasta $35.00. Resumen de Transacciones 40/25/2014 10/25/2014 40/31/2014 40/31/2014 INTERESES CARGOS CARGO POR MORA TOTAL DE CARGOS Y CUOTAS PARA ESTE PERIODO INTERES COBRADO INTERES COBRADO EN COMPRAS TOTAL DE INTERES PARA ESTE PERIODO Tota! del Afio en Curso para 2014 \Cargos/Cuotas Totales Cobrados en 2014 Interés Total Cobrado en 2014 \Total de Interés Pagado en 2014 $385.00 $2,608.95 $58.95 Fecha de Fecha de Numero de Referencia Descripcién Monto Transaccién Registro 10/31/2014 10/31/2014 | FS807200NOG0S9S990 AJUSTE A SU SALDO $2,490.00 CR 10/31/2014. 10/31/2014 F907200N000999990 AJUSTE CARGOS FINANCIEROS E $3,185.76 CR $35.00 $35.00 $0.00 $0.00) Calculo de Cargo por Interés Fecha de Tasa de Saldo (Balance) {| Cargos por interés Tipo de Saido (Balance) Vencimiento Porcentaje | Sujeto a fa Tasa de Anual (APR) interés Compras de NA 26.99% $0.00 $0.00 * Aviso: Revise la parte posteriary ias paginas adicionales (si las hay) para conocer informacién importante con respecto a su cuenta. 5302 DFR 2 3 2 141031 ZXPACE 1 of 3 9072 3200 C632 O1CG5302 Pay online at mysynehrony.com of enclose this coupon with your check. Please use biue or black inkNumero de Cuenta Pago Minimo Monto Fecha de Nuevo Total a Vencer Vencido Vencimiento de Pago Saido (Balance) 31,584.00 $0.00 11/02/2014 $0.00 5903 Pago Adjunto: $ z Nueva direccién 0 correo electrénico? Marque la casilla de la izquierda y ai dorso escriba con letra de moide los cambios TADIANA CAICEDO 2940 ST THOMAS DR HOLLYWOOD FL 33024-8570 Nombre del Titular de Tarjeta:) TADIANA CAICEDO Envie el Pago a: SYNCHRONY BANK PO BOX 960061 ORLANDO, FL 32896-0061 El pago a vencer incluye $ 0.00 vencides. Por favor, pague el monto vencido INMEDIATAMENTE. Numero de Cuenta: FY $903 Fecha de cierre de estado de cuenta: 10/31/2014 Noticias e informacién para el Titular de Tarjeta importante: Con vigencia a partir del 2 de junio de 2014, GE Capital Retail Bank ("GECRB") cambid su nombre por Synchrony Bank {"SYNCB"). Durante ia transicién, podra ver comunicaciones con cualquiera de os das nombres. Para obtener mas informacion, visite gecrb.com/synchronybank Statement not provided to customer. Para proteger la confidencialidad de su cuenta, no nos posible proporcionar informacion sobre la cuenta a alguna persona que no sea el 0 los titulares de tarjeta o un tercero autorizado. Si desea autorizamos para hablar sobre su cuenta con un tercero autorizado como su conyuge, por favor envie una autorizacion por escrito a la direccion de Consulatas Generales mostrada.5302 OFH 2 3 2 141031 ZXPAGE 2 of 3 9072 3200 CéJ2 C1Cch3025302 OFH 2 3 2 141031 ZXPAGE 3 of 3 9072 3200 CéJ2 C1Cch302