FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`SUPREME
`COUNTY
`
`COURT OF THE
`OF CLINTON
`
`STATE
`
`OF NEW YORK
`
`TD BANK
`
`USA, N.A.
`
`SAMANTHA
`
`N JENNETTE
`
`PLAINTIFF,
`
`DEFENDANT(S).
`
`-AGAINST-
`
`NUMBER:
`INDEX
`2023-00023615
`FILE NO, F068659
`
`AFFIDAVIT
`FACTS
`
`OF
`
`STATE
`
`OF MINNESOTA
`
`COUNTY
`
`OF HENNEPIN
`
`SS:
`
`)
`
`)
`
`p
`
`P-
`
`, being
`
`duly
`
`sworn,
`
`deposes
`
`and
`
`says
`
`that:
`
`1.
`
`I,
`
`Sm
`
`arfy
`
`am an employee
`
`of Target
`
`Enterprise,
`
`Inc.
`
`("Servicer"),
`
`the exclusive
`
`servicer
`
`and
`
`custodian
`
`of business
`
`records
`
`of Target-
`
`branded
`
`credit
`
`card
`
`accounts
`
`owned
`
`by Plaintiff
`
`TD Bank
`
`USA,
`
`N.A.
`
`("Plaintiff'),
`
`and I have
`
`access
`
`to Plaintiff
`
`s books
`
`and
`
`records
`
`("Business
`
`Records"),
`
`including
`
`electronic
`
`records,
`
`relating
`
`to the
`
`account
`
`("Account")
`
`of SAMANTHA
`
`N
`
`JENNETTE
`
`("Defendant").
`
`The
`
`last
`
`four
`
`digits
`
`of
`
`the Account
`
`number
`
`are 5980.
`
`In
`
`personal
`
`my position,
`
`I have
`
`knowledge
`
`of
`
`the procedures
`
`for
`
`creating
`
`and
`
`maintaining
`
`Plaintiffs
`
`Business
`
`Records.
`
`Plaintiffs
`
`Business
`
`Records
`
`were made
`
`in the regular
`
`course
`
`of business,
`
`and
`
`it was
`
`the regular
`
`course
`
`of such
`
`business
`
`to
`
`make
`
`the Business
`
`Records.
`
`The
`
`records
`
`were made
`
`at or near
`
`the time
`
`of
`
`the
`
`events
`
`recorded.
`
`Based
`
`on my review
`
`of Plaintiff
`
`s Business
`
`Records,
`
`I have
`
`personal
`
`knowledge
`
`of
`
`the
`
`facts
`
`set
`
`forth
`
`in this
`
`affidavit.
`
`2.
`
`Servicer
`
`is the
`
`servicer
`
`for
`
`the Plaintiff
`
`in the underlying
`
`action.
`
`Plaintiff
`
`has
`
`authorized
`
`Servicer
`
`to service
`
`and maintain
`
`the Business
`
`Records
`
`relating
`
`to the
`
`Account,
`
`along
`
`with
`
`giving
`
`testimony
`
`and
`
`executing
`
`affidavits,
`
`declarations,
`
`and
`
`certifications
`
`on behalf
`
`of Plaintiff
`
`regarding
`
`the Account.
`
`1 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`3.
`
`Plaintiff
`
`and Defendant
`
`entered
`
`into
`
`a credit
`
`agreement
`
`("Agreement").
`
`Defendant
`
`agreed
`
`to pay Plaintiff
`
`for
`
`all goods,
`
`services
`
`and
`
`cash
`
`advances
`
`provided
`
`pursuant
`
`to the Agreement.
`
`The
`
`amount
`
`of
`
`the last
`
`payment
`
`made
`
`by Defendant
`
`was
`
`$194.00,
`
`made
`
`on December
`
`15, 2022.
`
`Defendant
`
`is now
`
`in default
`
`and
`
`demand
`
`for
`
`payment
`
`has been made. A true
`
`and
`
`correct
`
`copy
`
`of
`
`the Agreement
`
`or document(s)
`
`evidencing
`
`the Agreement
`
`are attached
`
`as an exhibit
`
`to this
`
`affidavit.
`
`4.
`
`I have
`
`personal
`
`knowledge
`
`of Plaintiffs
`
`procedures
`
`for
`
`generating
`
`and mailing
`
`account
`
`statements
`
`to customers.
`
`It
`
`is the regular
`
`practice
`
`of Plaintiffs
`
`business
`
`to
`
`provide
`
`periodic
`
`account
`
`statements
`
`to its customers.
`
`On or about
`
`July
`
`17, 2023,
`
`Plaintiff
`
`sent
`
`one or more
`
`account
`
`statements
`
`relating
`
`to the Account
`
`to Defendant
`
`the amount
`
`were mailed
`
`to
`
`stating
`
`due as $7,323.57.
`
`The
`
`account
`
`statement(s)
`
`Defendants
`
`last
`
`known
`
`address
`
`and Plaintiffs
`
`records
`
`do not
`
`reflect
`
`that
`
`the
`
`statement(s)
`
`were
`
`returned
`
`by
`
`the post
`
`office
`
`or
`
`that
`
`the Defendant
`
`objected
`
`to
`
`them. A true
`
`and correct
`
`copy
`
`of
`
`the final
`
`account
`
`statement(s)
`
`is attached
`
`as an
`
`exhibit
`
`to this
`
`affidavit.
`
`5.
`
`At
`
`this
`
`time,
`
`Defendant
`
`owes
`
`$7,323.57
`
`on the Account.
`
`This
`
`amount
`
`includes
`
`a
`
`charge-off
`
`balance
`
`of $7,323.57,
`
`post-charge-off
`
`interest
`
`of $0.00,
`
`post-charge-off
`
`fees
`
`of $0.00,
`
`less any
`
`post-charge-off
`
`credits
`
`or payments
`
`made
`
`by or on behalf
`
`of
`
`the Defendant
`
`of $0.00.
`
`6.
`
`As
`
`set
`
`forth
`
`in New York
`
`CPLR Article
`
`50,
`
`the
`
`interest
`
`rate
`
`applicable
`
`to the
`
`Account
`
`pursuant
`
`to section
`
`five
`
`thousand
`
`four
`
`of
`
`this
`
`chapter
`
`applies.
`
`2 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`Wherefore,
`
`deponent
`
`demands
`
`judgment
`
`against
`
`Defendant
`
`for
`
`$7,323.57,
`
`together
`
`with
`
`the costs
`
`and
`
`disbursements
`
`of
`
`this
`
`action.
`
`The
`
`above
`
`statements
`
`are true
`
`and
`
`correct
`
`to the best
`
`of my personal
`
`knowledge.
`
`Date:
`
`ý f" f
`
`3
`
`Af
`
`ant Si
`
`na
`
`re
`
`Affiant
`
`Name
`
`Signed,
`
`2
`
`!
`
`sworn
`
`to and
`
`acknowledged
`
`before me this
`
`day
`
`of
`
`/10
`
`,
`
`Notary
`
`Public
`
`ALICIA
`C HARRIS
`Notary Public
`State of Minnesota
`My4a°n a y
`
`7ires
`
`3 of 16
`
`

`

`an
`
`Minnesota
`
`1, Kyle
`Evens,
`attorney-at-law
`and is fully
`acquainted
`with
`acknowledgment
`or proof
`of deeds
`of
`amduly
`qualified
`to make
`this
`certificate
`Property
`Law of
`the State
`of New
`upon
`York
`the
`foregoing
`document
`was
`State
`taken
`of
`in
`Minnesota,
`with
`which
`conformity
`the Affidavit
`was executed.
`
`of
`the State
`of
`Minnesota
`the laws
`of
`the State
`of
`real
`to be recorded
`pursuant
`that
`
`property
`of
`and
`
`by
`the hiws
`
`conformity
`hereby
`certify
`\itia
`of
`
`khc¢t
`the State
`of
`
`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`CERTIFICATE
`
`OF
`
`CONFORMITY
`
`resides
`
`of
`
`that
`
`I
`
`of
`
`who
`Minnesota
`
`the
`
`is
`
`in the State
`to the
`pertaining
`do
`herein,
`hereby
`certify
`to Section
`299-a
`the Real
`acknowledgment
`or proof
`, a
`notary
`public
`in the
`Minnesota,
`the state
`being
`in
`
`IN. WITNESS
`
`WHEREOF,
`
`] have
`
`heteunto
`
`set my signature,
`
`lis
`
`ay of
`
`Attorney
`
`at Law
`
`State
`
`of Minnesota
`
`Dnetintent//:960516 Vcrsion:v3
`
`4 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`TD BANK
`
`USA,
`
`N.A.
`
`Account
`
`Itemization
`
`Account
`
`Number
`
`Ending
`
`in
`
`5980
`
`Original
`
`Creditor
`
`Borrowers
`
`Full Name
`
`TD BANK USA,
`
`N.A.
`
`SAMANTHA
`
`N JENNETTE
`
`on the most
`recent
`charge/payment/balance
`
`monthly
`transfer
`
`Balance
`printed
`Due
`statement
`reflecting
`4 digits
`Last
`of Account
`recent
`statement
`monthly
`charge/payment/balance
`
`printed
`
`on the most
`
`/fO
`
`number
`reflecting
`transfer
`
`Last
`
`Payment
`
`Date
`
`Last
`
`Payment
`
`Amount
`
`Charge
`
`Off Date
`
`Charge
`
`Off
`
`Balance
`
`Total
`
`Post Charge
`
`Off
`
`Interest
`
`Total
`
`Post Charge
`
`Off Charges
`
`Total
`
`Post Charge
`
`Off
`
`Fees
`
`Total
`
`Post Charge
`
`Off Credits
`
`Current
`
`Outstanding
`
`Balance
`
`/ c2 - /© f p
`74.
`
`/
`
`/?-
`
`F S
`
`391
`
`5-7
`
`$
`
`$
`
`$0.00
`
`$0.00
`
`$0.00
`
`$
`
`$
`
`O-(E)
`3f
`
`3. CP
`
`5 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`TARGETo
`
`RedCard
`5980
`in:
`Ending
`Number:
`Identification
`Account
`SAMANTHA
`N JENNETTE
`
`00062602938
`
`00000
`
`Statement Closing Date: July 17, 2023
`Page 1 of 2
`
`Previous Balance
`Payments and Other Credits
`Purchases and Other Debits
`Cash Advances
`Past Due Amount
`Fees Charged
`Interest Charged
`
`New Balance
`
`Total Credit Limit
`Cash Limit
`Available Credit
`Portion Available for Cash
`The Cash Limit
`is a portion of the Total Credit Limit
`Statement Closing Date
`Days in Billing Cycle
`
`$7,282.57
`-$0.00
`+$0.00
`+$0.00
`$1,782.00
`+$41.00
`+$0.00
`
`$7,323.57
`
`$0.00
`$0.00
`$0.00
`$0.00
`
`7/17/2023
`30
`
`$7,323.57
`New Balance
`$7,323.57
`Minimum Payment Due
`8/14/2023
`Payment Due Date
`If you would like information about credit counseling services,
`call 1-800-991-8433.
`
`go online
`
`or call
`lost Or Stolen
`us:
`card,
`Target.com/myRedCard
`Manage My RedCard
`1-800-424-6888
`Target Card Services
`1-800-347-5842
`TDD/TDY
`1-612-815-9922 (Call Collect)
`Outside the U.S.
`Calling will not preserve your billing-error
`rights
`
`to New York Residents:
`Notice
`or visit
`by telephone
`its website
`State Department
`of Financial
`
`of Financial Services
`the New York State Department
`New York residents may contact
`fees, and grace periods. New York
`credit card rates,
`for free information
`on comparative
`1-800-342-3736
`or http://www.dfs.ny.gov
`Services
`
`New York City Residents:
`final statement.
`off. This is your
`has been charged
`Your account
`0094 to record your
`preference
`or to request
`a communication
`in a reasonably
`language
`
`Please call us at 800-757-
`accommodated
`format.
`
`Description
`
`of Transaction
`
`or Credit
`PepmT
`AndOtimwredits
`..
`No payments or credits were received last month.
`
`Location
`
`Amount
`
`(transactions continued on next page)
`
`NOTICE:SEEREVERSESIDEFORIMPORTANTINFORMATION
`
`Trans Date
`
`O
`
`INCLUDETHISPORTIONWITHYOURPAYMENTMADEPAYABLETOTARGETCARDSERVICES
`Account Number Ending in
`Identification Number
`Account
`-s--
`Minimum Payment Due
`Payment Due Date
`Amount
`Enclosed
`
`1111111111111111111111111111||llll
`
`5980
`00062602938
`73235
`$7,323.57
`August 14, 2023
`
`$
`
`NEWPHoNE,HOMEOR
`E
`SEUPDArEON
`REVERSESIDE·
`
`OFFICE
`
`COPY
`
`TARGET CARD SERVICES
`P.O. BOX 660170
`DALLAS
`TX 75266-0170
`II"IIllil"'l"
`
`I
`
`I
`
`"I
`
`ll
`
`'ll"li
`
`'
`
`I
`
`'I'lilll
`
`Î P
`
`N JENNETTE
`SAMANTHA
`1275 FISKE RD
`CHAZY
`NY 12921-2031
`
`1001940732357073235790777700062602938971
`
`6 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`TARGETo
`
`in:
`5980
`RedCard
`Ending
`Identification
`Number:
`Account
`SAMANTHA
`N JENNETTE
`
`00062602938
`
`*00000*
`
`statement Closing Date: July 17, 2023
`Page 2 of 2
`
`Trans Date
`
`Description
`
`of Transaction
`
`or Credit
`
`Location
`
`Jul.
`
`14
`
`LATE PAYMENT FEE
`
`Fees
`
`TOTAL FEES FOR THIS PERIOD
`
`Amount
`
`$41.00
`$41.00
`
`Total fees charged in 2023
`Total
`interest charged in 2023
`
`$287.00
`$907.41
`
`Your Annual Percentage Rate (APR) is the annual
`
`interest rate on your account.
`
`Type of Balance
`
`Purchases
`Cash Advances
`
`Annual Percentage Rate (APR)
`0.00%
`0.00%
`
`Balance Subject
`litterest Rate
`
`to
`
`$7,288.03
`$0.00
`
`interest Charge
`
`$0.00
`$0.00
`
`There is a Minimum Charge
`
`of $1.00 for any billing period
`
`in which an interest
`
`charge
`
`is imposed.
`
`and more!
`Go Paperless
`easily make
`Go paperless,
`at Target.com/myRedCard.
`today
`
`payments,
`
`and set up alerts
`
`for your
`
`account
`
`with Manage
`
`My RedCard!
`
`Enroll
`
`62602938
`
`7 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`TARGE%
`
`5980
`in:
`RedCard
`Ending
`Number:
`Identification
`Account
`SAMANTHA
`N JENNETTE
`
`00062602938
`
`Previous Balance
`Payments and Other Credits
`Purchases and Other Debits
`Cash Advances
`Past Due Amount
`Fees Charged
`Interest Charged
`New Balance
`
`Total Credit Limit
`Cash Limit
`Available Credit
`Portion Available for Cash
`The Cash Limit
`is a portion of the Total Credit Limit
`Statement Closing Date
`Days in Billing Cycle
`
`$6,289.47
`-$0.00
`+$20.59
`+$0.00
`$474.00
`+$41.00
`+$147.25
`
`$6,498.31
`
`$6,500.00
`$0.00
`$1.69
`$0.00
`
`2/17/2023
`31
`
`For
`an address
`to report
`or
`change
`questions,
`go online
`a lost Or stolen
`us:
`or call
`card,
`Manage My RedCard
`Target.com/myRedCard
`Target Card Services
`1-800-424-6888
`TDD/TDY
`1-800-347-5842
`1-612-815-9922 (Call Collect)
`Outside the U.S.
`rights
`Calling will not preserve your billing-error
`
`*00000
`
`statement Closing Date: February 17, 2023
`Page 1 of 2
`
`New Balance
`Minimum Payment Due
`Payment Due Date
`If we do not receive your minimum
`Late Payment Warning:
`payment by the date listed above, you may have to pay up to a
`$41.00 late fee.
`
`$6,498.31
`$726.00
`3/14/2023
`
`If you make only the minimum
`Minimum Payment Warning:
`payment each period, you will pay more in interest and it will
`you tonger to pay off your balance. For example:
`................-----
`__....--______..
`You wM pay off the
`If you make no
`additomi
`charges
`balance shown on
`using tn:s card and
`this statwnent
`in
`
`And you will
`end up payn
`an estimated
`
`take
`
`Only the minimum
`Paynwnt
`
`19 years
`
`$18,110
`
`If you would like information about credit counseling services,
`call 1-800-991-8433.
`
`to New York Residents:
`Notice
`by telephone
`or visit
`its website
`State Department
`of Financial
`
`Services
`the New York State Department
`of Financial
`New York residents may contact
`fees, and grace periods. New York
`credit card rates,
`for free information
`on comparative
`Services
`or http://www.dfs.ny.gov
`1-800-342-3736
`
`O
`
`NOTicE:SEEREVERSESIDEFORIMPORTANTINFORMATION
`
`INCLUDETFIISPORTIONWITFIYOURPAYMENTMADEPAYABLETOTARGETCARDSERVICES
`Account Number Ending in
`Account
`Identification Number
`
`MilMIllllMHIIIII
`
`NEWPHONE,HOMEOR
`AUPDA ON
`REVERSESIDE·
`
`COPY
`OFFICE
`STATEMENTPAGENOTPRINTED
`
`TARGET CARD SERVICES
`P.O. BOX 660170
`DALLAS
`TX 75266-0170
`
`I"Islililillagillil"'I"¹laillillil'llalitil'lil+Iligillic
`
`Minimum Payment Due
`Payment Due Date
`Amount
`Enclosed
`
`$
`
`5980
`00062602938
`4883
`$726.00
`March 14, 2023
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`N JENNETTE
`SAMANTHA
`1275 FISKE RD
`CHAZY
`NY 12921-2031
`
`3001940072600064983190777700062602938971
`
`8 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`TARGETe
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`00062602938
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`Statement Closing Date: February
`Page 2 of 2
`
`17, 2023
`
`on active
`If you are a Servicemember
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`currently
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`and we may
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`Description
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`Jan. 18
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`Feb. 14
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`LATE PAYMENT FEE
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`Purchases And Other Debits
`800-591-3869, MN
`800-591-3869, MN
`TOTAL PURCHASES AND OTHER DEBITS FOR THIS PERIOD
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`TOTAL FEES FOR THIS PERIOD
`
`INTEREST CHARGE-PURCH(cid:0)SES
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`TOTAL INTEREST CHARGED FOR THIS PERIOD
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`Total fees charged in 2023
`interest charged in 2023
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`$82.00
`$287.15
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`Amount
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`$6.54
`$14.05
`$20.59
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`$41.00
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`and more!
`Go Paperless
`easily make
`Go paperless,
`at Target.com/myRedCard.
`today
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`payments,
`
`and set up alerts
`
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`
`account
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`with Manage
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`
`Enroll
`
`62602938
`
`9 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`TGITCCD04-0117
`
`05.17 Update
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`10 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
`70-APR-Vrom
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`11 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
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`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
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`13 of 16
`
`

`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
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`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
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`INDEX NO. 2023-00023615
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`RECEIVED NYSCEF: 12/28/2023
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`

`FILED: CLINTON COUNTY CLERK 12/28/2023 04:05 PM
`NYSCEF DOC. NO. 8
`
`INDEX NO. 2023-00023615
`
`RECEIVED NYSCEF: 12/28/2023
`
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