FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`THIS
`
`IS A CONSUMER
`
`CREDIT
`
`TRANSACTION
`
`COUNTY
`
`OF KINGS
`
`SUMMONS
`
`Index
`Date
`
`No.:
`Filed:
`
`OF NEW YORK
`STATE
`SUPREME
`COURT
`SPV I, LLC
`
`Cavalry
`
`-against-
`
`Muhammad
`714 Foster
`Brooklyn
`
`Waliullah
`A3
`Ave
`Apt
`NY 11230-1334
`
`Plaintiff,
`
`Defendant(s).
`
`TO THE
`
`ABOVE-NAMED
`
`DEFENDANT(S):
`
`SUMMONED
`YOU ARE HEREBY
`the Verified
`and
`to appear
`answer
`s attorneys
`within
`Answer
`of your
`on Plaintiff
`hereto
`a copy
`twenty
`serving
`the date
`(or within
`of service
`this Summons,
`exclusive
`of
`of
`service
`thirty
`(30)
`in New York
`to you
`is complete
`this Summons
`delivered
`if
`is not personally
`State)
`Judgment
`will
`be taken
`by default
`against
`you
`of your
`to appear
`or answer,
`failure
`Verified
`Complaint.
`in the annexed
`of money
`demanded
`
`by
`
`annexed
`days
`after
`service
`after
`in case
`and
`the amount
`
`Complaint
`
`(20)
`days
`
`for
`
`Dated:
`
`April
`
`25, 2023
`
`GIRVIN
`
`& FEldAZZO,
`
`P.C.
`
`Esq.
`
`Christopher
`P. Langlois,
`for Plaintiff
`Attorneys
`and P.O. Address
`Office
`P. O. Box
`11623
`New York
`814-6976
`
`Albany,
`(877)
`
`12211
`
`The
`
`basis
`
`of venue
`
`designated
`
`above
`
`is that Defendant(s)
`
`reside(s)
`
`in the County
`
`of Kings.
`
`1 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`OF NEW YORK
`STATE
`SUPREME
`COURT
`SPV I, LLC
`
`Cavalry
`
`Plaintiff
`
`-against-
`
`Muhammad
`714 Foster
`Brooklyn
`
`Waliullah
`Ave
`Apt
`A3
`NY 11230-1334
`
`Defendant.
`
`COUNTY
`
`OF KINGS
`
`VERIFIED
`COMPLAINT
`
`Index
`Dated
`
`No.:
`Filed:
`
`Plaintiff
`
`Cavalry
`
`SPV
`
`I, LLC by and through
`
`its attorneys,
`
`Girvin
`
`& Ferlazzo,
`
`P.C.,
`
`sets
`
`for
`
`the following
`
`as and
`
`for
`
`its Verified
`
`Complaint
`
`against
`
`the Defendant:
`
`FIRST
`
`CAUSE
`
`OF ACTION
`
`(BREACH
`
`OF CONTRACT)
`
`1.
`
`Plaintiff
`
`Cavalry
`
`SPV
`
`I, LLC is a foreign
`
`limited
`
`liability
`
`company
`
`duly
`
`organized
`
`and existing
`
`under
`
`the laws
`
`of
`
`the State
`
`of Delaware,
`
`and
`
`is duly
`
`registered
`
`to do
`
`business
`
`in the State
`
`of New York.
`
`At
`
`all
`
`times
`
`relevant
`
`SPV
`
`licensed
`
`2.
`
`herein,
`
`Plaintiff
`
`Cavalry
`
`I, LLC was
`
`duly
`
`by
`
`the New York
`
`State Department
`
`of Consumer
`
`Affairs
`
`(License
`
`No,
`
`1327348),
`
`and has been
`
`continuously
`
`so licensed
`
`since
`
`2009.
`
`3.
`
`Defendant
`
`applied
`
`for
`
`and was
`
`granted
`
`a credit
`
`account
`
`by Plaintiff
`
`s
`
`predecessor-in
`
`interest,
`
`original
`
`creditor
`
`Department
`
`Stores
`
`National
`
`Bank/Macy's,
`
`designated
`
`and
`
`assigned
`
`Account
`
`No.
`
`***********9796.
`
`4.
`
`Defendant
`
`made
`
`charges,
`
`and/or
`
`took
`
`cash
`
`advances,
`
`and/or
`
`otherwise
`
`borrowed
`
`against
`
`the credit
`
`account,
`
`resulting
`
`in an outstanding
`
`account
`
`balance
`
`of $3,241.85
`
`as of April
`
`25,
`
`2023.
`
`2 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`5.
`
`Defendant
`
`failed
`
`to timely
`
`make
`
`one or more monthly
`
`payments
`
`toward
`
`the
`
`outstanding
`
`balance,
`
`as required
`
`under
`
`the terms
`
`and conditions
`
`governing
`
`said
`
`credit
`
`account,
`
`and
`
`is in default
`
`of said
`
`credit
`
`agreement.
`
`6.
`
`Despite
`
`written
`
`demand,
`
`Defendant
`
`has
`
`failed,
`
`refused,
`
`or neglected
`
`to make
`
`full
`
`payment
`
`of
`
`the balance
`
`due and
`
`owing
`
`in connection
`
`with
`
`the credit
`
`account.
`
`The
`
`date
`
`of
`
`the
`
`last
`
`payment
`
`on the
`
`account
`
`was
`
`June
`
`and the amount
`
`of
`
`7.
`
`16, 2020
`
`the
`
`last payment
`
`was
`
`$77.84.
`
`The
`
`account
`
`balance
`
`printed
`
`on the most
`
`recent
`
`monthly
`
`statement
`
`recording
`
`monthly
`
`a pre charge-off
`
`purchase
`
`transaction,
`
`last payment,
`
`or balance
`
`transfer
`
`is shown
`
`on the
`
`statement
`
`attached
`
`here
`
`as Exhibit
`
`"A"
`
`8.
`
`The
`
`credit
`
`account
`
`was
`
`charged-off
`
`by original
`
`creditor
`
`Department
`
`Stores
`
`National
`
`Bank/Macy's
`
`on January
`
`21, 2021.
`
`A true
`
`and accurate
`
`copy
`
`of
`
`the
`
`charge-off
`
`statement
`
`is attached
`
`hereto
`
`as Exhibit
`
`"B".
`
`credit
`
`account.
`
`An itemization
`
`of
`
`the
`
`9.
`
`The
`
`subject
`
`credit
`
`account
`
`was
`
`a revolving
`
`amount
`
`sought
`
`is as follows:
`
`(i)
`
`the total
`
`amount
`
`of
`
`the debt
`
`due as of
`
`the charge-off
`
`was
`
`$3,241.85:
`
`(ii)
`
`the total
`
`amount
`
`of
`
`interest
`
`accrued
`
`since
`
`charge-off
`
`is $0.00;
`
`(iii)
`
`the
`
`amount
`
`of
`
`non-interest
`
`charges
`
`or
`
`fees
`
`accrued
`
`since
`
`charge-off
`
`is $0.00;
`
`and
`
`(iv)
`
`the total
`
`amount
`
`of
`
`payments
`
`and /or
`
`credits
`
`made
`
`on the
`
`debt
`
`since
`
`charge-off
`
`is $.00
`
`10.
`
`Plaintiff
`
`is the
`
`interest
`
`subject
`
`owner
`
`of all
`
`right,
`
`title,
`
`and
`
`in the
`
`credit
`
`account
`
`pursuant
`
`to an Assignment
`
`and/or
`
`Bill
`
`of Sale
`
`entered
`
`into with
`
`the
`
`original
`
`creditor,
`
`Department
`
`Stores
`
`National
`
`Bank/Macy's
`
`, dated
`
`December
`
`22,
`
`2022,
`
`and
`
`there were
`
`no previous
`
`owners
`
`of
`
`the
`
`subject
`
`credit
`
`account
`
`prior
`
`to the
`
`sale and/or
`
`assignment
`
`of
`
`the debtor
`
`to Plaintiff.
`
`The
`
`amount
`
`due
`
`at
`
`the time
`
`of sale
`
`or assignment
`
`of
`
`the
`
`debt
`
`the original
`
`creditor
`
`to Plaintiff
`
`was
`
`by
`
`$3,241.85.
`
`3 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`11.
`
`By
`
`reason
`
`of
`
`the foregoing,
`
`Defendant
`
`is indebted
`
`to the Plaintiff
`
`in the
`
`amount
`
`of
`
`$3,241.85.
`
`SECOND
`
`CAUSE
`
`OF ACTION
`
`(ACCOUNT
`
`STATED)
`
`12.
`
`The
`
`allegations
`
`contained
`
`in Paragraphs
`
`"1"
`
`through
`
`"11"
`
`of
`
`the First
`
`Count
`
`are
`
`incorporated
`
`by
`
`reference.
`
`13.
`
`Periodic
`
`account
`
`statements
`
`setting
`
`forth
`
`charges
`
`and
`
`amounts
`
`due on the
`
`credit
`
`account
`
`were
`
`transmitted
`
`to Defendant.
`
`The
`
`date
`
`on or about
`
`which
`
`the
`
`final
`
`statement
`
`of
`
`provided
`
`account
`
`was
`
`to Defendant
`
`was
`
`January
`
`21, 2021.
`
`14.
`
`Defendant
`
`received
`
`and retained
`
`said
`
`periodic
`
`account
`
`statements
`
`for
`
`an
`
`unreasonable
`
`period
`
`of
`
`time
`
`without
`
`protest
`
`or objection.
`
`15.
`
`Defendant
`
`has failed,
`
`refused,
`
`or neglected
`
`to make
`
`full
`
`payment
`
`of
`
`the
`
`balance
`
`due
`
`and
`
`owing
`
`in connection
`
`with
`
`the
`
`credit
`
`account
`
`as represented
`
`on the account
`
`statements.
`
`I6.
`
`Pursuant
`
`to the account
`
`statements
`
`sent
`
`to Defendant,
`
`Defendant
`
`is indebted
`
`to the
`
`Plaintiff
`
`in the amount
`
`of $3,241.85.
`
`4 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`WHEREFORE,
`
`Plaintiff
`
`Cavalry
`
`SPV I, LLC demands
`
`that
`
`Judgment
`
`be entered
`
`herein
`
`against
`
`the named
`
`Defendant
`
`in the amount
`
`of $3,241.85,
`
`together
`
`with
`
`the
`
`costs
`
`and
`
`disbursements
`
`of
`
`the action.
`
`Dated:
`
`April
`
`25, 2023
`
`GIRVIN
`Attorneys
`
`& FERLAZZO,
`fofPlaintiff
`
`P.C.
`
`By:
`
`P. Langlois
`Christopher
`and P.O. Address
`Office
`Boulevard
`20 Corporate
`Woods
`New York
`12211
`518-462-0300
`518-462-5037
`
`Albany,
`T:
`F:
`
`5 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`VERIFICATION
`
`S.S.:
`
`) )
`
`)
`
`STATE OF NEW YORK
`
`COUNTY
`
`OF ALBANY
`
`duly
`
`Christopher
`he is an attorney
`that
`states
`and
`P. Langlois,
`deposes
`sworn,
`duly
`being
`& Ferlazzo,
`of New York,
`to practice
`of Girvin
`in the State
`and is an associate
`admitted
`P.C.,
`in the above
`Verified
`read
`captioned
`that
`he has
`for Plaintiff
`attorneys
`the foregoing
`action;
`Complaint
`and
`is familiar
`with
`the contents
`and that
`the matters
`forth
`therein
`set
`thereof;
`to be alleged
`to his
`stated
`except
`as to matters
`therein
`information
`upon
`and
`knowledge,
`as to those matters
`and
`them to be true.
`he believes
`
`are true
`
`belief,
`
`The
`
`belief
`of deponent's
`grounds
`raised
`herein.
`to the matters
`pertaining
`represented
`the undersigned
`parties
`by
`undersigned
`has his office.
`
`are his
`review
`The
`reason
`is that
`such
`
`why
`parties
`
`of documents
`this Verification
`do not
`reside
`
`information
`and other
`is not made
`by the
`in the county
`where
`
`the
`
`Christopher
`
`P. Langlois
`
`to before me this
`Sworn
`A ril 25, 2023
`
`of
`
`ry Public,
`
`State
`
`of New York
`
`JUDITH A. MOAK
`Notmy Public, Sbte of How York
`No. 01Mos080559
`Qualided in Albany County
`Coomaission Expires 9/16/20_,.
`
`6 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`SUPREME
`COUNTY
`Cavalry
`
`COURT
`OF KINGS
`SPV I, LLC
`
`OF THE STATE
`
`OF NEW YORK
`
`- against
`
`-
`
`Plaintiff/Petitioner,
`
`Muhammad Waliullah
`
`Index No.
`
`Defendant/Respondent.
`
`NOTICE
`SUBJECT
`
`OF COMMENCEMENT
`OF ACTION
`TO MANDATORY
`ELECTRONIC
`FILING
`
`PLEASE
`of
`has been commenced
`captioned
`the matter
`that
`TAKE NOTICE
`above, which
`by filing
`to Section
`documents with the County Clerk,
`electronic
`pursuant
`to mandatory
`is subject
`filing
`accompanying
`202.5-bb
`of
`the Uniform Rules for
`the Trial Courts. This notice is being served as required
`by Subdivision
`(b)
`that Section.
`
`the
`
`(3) of
`
`for
`The New York State Courts Electronic
`of
`the electronic
`is designed
`System ("NYSCEF")
`filing
`Filing
`the electronic
`with the County Clerk and the court and for
`court documents,
`service of
`documents
`those documents,
`and court notices upon counsel and self-represented
`the court of a
`parties. Counsel
`and/or parties who do not notify
`exemption
`(see below)
`record their
`claimed
`as required
`202.5-bb(e) must
`by Section
`representation
`immediately
`within
`the e-filed matter on the Consent page in NYSCEF.
`Failure
`to do so may result
`in an inability
`to receive
`electronic
`notice of document
`filings.
`
`they lack the
`in good faith that
`to: 1) attorneys who certify
`are limited
`from mandatory
`Exemptions
`e-filing
`the requisite
`and (along with all employees)
`equipment
`computer
`knowledge
`and 2) self-represented
`to comply;
`parties who choose not
`to participate
`For additional
`access
`in e-filing.
`information
`about electronic
`filing,
`including
`consult
`to Section 202.5-bb,
`the NYSCEF
`website
`or contact
`the NYSCEF
`at www.nycourts.gov/efile
`Resource
`Center at (646)386-3033
`or efile@courts.state.ny.us.
`
`Dated:
`
`ifTl 25, 20 3
`.üL--
`
`(Signature)
`
`20 Corporate Woods Blyd. Albany, NY 12211
`
`(Address)
`
`Christopher
`
`P. Langlois
`
`(Name)
`
`518-462-0300
`
`(Phone)
`
`Girvin & Ferlazzo,
`
`PC
`
`(Firm Name)
`
`(E-Mail)
`
`To:
`Muhammad
`714 Foster
`Brooklyn
`
`Waliullah
`Ave
`Apt
`A3
`NY 11230-1334
`
`7 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`Exhibit
`
`"A"
`
`8 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`*macys
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`AME ' ICAN
`
`-
`
`.
`
`Macy's
`
`American
`
`Express®
`
`Account
`
`statement
`
`Questions
`
`or
`
`lost/stolen
`
`card? Call Customer
`
`Service
`
`U877-204-7
`
`996
`
`Go to macys.com/creditto
`
`manage
`
`and pay your
`
`account
`
`online.
`
`MUHAMMAD WALIULLAH
`Account Number:
`
`29796
`
`Activity
`
`of Account
`Summary
`Previous Balance
`2AyfDROLS------._________-
`OtherCre
`tL......__
`2RshnesMthstnekitt-
`Ee.eaChargeL
`Interest Charoed
`ONew Balance
`fast Due Amount
`
`Credit 1,imit
`Availalate Cadit
`Amount Over Credit Limit
`Closina Date
`statement
`Next Staternent Closing Date
`Days in Billing Cycle
`
`_
`
`.
`
`.___.
`
`.
`
`.____12156044
`._ _ $11AL
`0 0
`$95 _
`00._
`+$53.43
`$2,S35,93
`$0.00
`
`./
`
`$2,500.00
`$0.00
`S35.93
`06/19/2020__
`07/20/2020
`30
`
`FF
`CI
`
`Information
`
`Payment
`New Bajance
`Minimum Payment Due
`D e
`byme
`
`J2,535_.93
`$115.36
`5
`
`y
`If we do not mceive your minimum payment by the date
`Late Payment Warning:
`listed above, you may have to pay alate fee up to $40.
`If you make only the minimum payment each
`Minlrnum Payment Warning:
`period, you will pay more in interest and it will take you longer to pay off your
`balance. For example:
`oraddidonal
`Iyough
`
`You will paý o!the
`
`And yop will
`
`estimated total o( .
`(cid:5)nd eat h inanth you pay..
`$6,377
`Only the nunimum payment
`$3,64 1
`3years
`$101
`(SavingÞ$2]36)
`..
`...
`Wyouwouldlikeinformation aboutcreditcounselingsenáces.call) 877 3378187.
`
`bouL
`stateme
`12years
`
`the New York State Department of Financial Services by telephone, 1·800-342-3736, or visit its website. www.dfs my.gov,
`New York residents may contact
`for free Informallon on comparative credit card rates, fees and grace periods.
`
`IImit Please pay at least the Minimurn Payment Due, which includes an overlimit amount of $35.93.
`
`You are over your credit
`thank you.
`this payment,
`fee to make a same day payment with the assistance of an agent over the phone. There is no fee
`there will be a $5 expedited payment
`Beginning in July,
`in our stores, by mail, using our eutomated voice response system, online at macys.con(cid:26)credit, or with our online partner at
`for making a payment
`mycheckfree.com.
`
`If you have already sent us
`
`macyS
`
`STAR
`
`REWARDS
`
`PLEASESEEIMPORTANTINFORMATl0NONREVERSESIDE.
`
`Page1 of 4
`
`ThisAccount is IssuedbyDepartinen t StoresNationalBank,
`MA12
`
`mCCyS
`P.O.BOX 8052
`MA5ON, OH 45040-8052
`
`Your Statement Enclosed
`
`Account Number:
`
`Account
`Macy's AmericanExpress
`Pleaseretum this slip with payment.Write account
`nurnberon front orcheck,You canpayat anyMacy/s
`store,online at maryuom/credit,or
`by mail'
`Payments received by mail by 5:00 pm local time
`at tlie addressshown below willbe credited as of
`thedatereceived,
`Usereverse side for address changet
`
`Payment Due Date
`New Balance
`Payment Due
`Minimum
`
`Amount
`
`Endosedi
`
`$
`
`29796
`
`July 16, 2020
`$2,535.93
`$115.36
`
`Make check Payable to: Macy's
`v Matt to address belowv
`
`Macy½ American Express Account
`PO BOX9001108
`LOUI5VILLE, KY 40290-110s
`
`MUHAMMAD WALIULLAH
`714 FOSTERAVE APT As
`BRooKLYN, NY 11230,1334
`
`9 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`" CreditingPaymentsotherthanbyMall.Thepaymentnutofftimeforontinebrlpayments,
`InformationAboutYourAccount,
`I'honepayments,andE pressMailpaymentsis midnightEastemtimesThismeansthatwewill
`least25 daysafter
`Howto AvoidPayinginterest on Purchases.Yourpaymentduedatelut
`credityouraccountasof thecalendarday,basedonEastemtina, titatwereceiveyourpayment
`thedoseof.eachbillingcycleWewillnotchargeyou.anyinterestonpwthasesif youpayyourNew
`request
`Babncebytlie pmmentduedateeachmonth.ThisIscalleda graceperiodonpurcflases.Togeta
`Hyousendaneligiblecheckwith this payrnentcoupon,youauthorizeus tocompleteyow
`graceperiodonpurchases,youmustpaytheNewBalancebythepaymentdiledateeverybillbocycle,
`paymentby electronicdebit.If we do,tite checkingaccost WIIIbedebitedInthe amount
`11youdonot,youwillnotgeta graceperbdUntllyoupaytheNewBalancefortwobillingcydesina
`on the check.Wemaydothis as sooti as the daywe receivethe check.Also;the check
`row,There16nogracepenedonexcludedpromohonalbalancesorcashadvances.
`Ifyouhaveabalancesubjecttoa SpecialEventpfemotionandthatprom01tondoesnotex is before Willhedestroyed.
`thepaymentduedate,thatbalance(an'exdudedpromotionalbalance¶sexdudedfromt 19amduct DisputedAmounts,Allconw11unicationsconcerninadisputedamounts,includingallycheckorother
`sment littrumentin anamountlessthanthefulfamountduethatyousendto usmarked'paid
`youmustpayhifullto eta gfaceperiodonapurchasebalance;Inaddftlonifyouhavea CIUbPlan
`it (0117orwhichfouotherwisetenderasfullsatisfactici1ofa disp)edamo1mt,mustbesenttouset
`ba7ncethatbalance n'excludedprornelionalbalancelIsexcludedfromtheamountyoumustpay
`Infulltogetagracepe d onapurchasebalance,Howeveryoumuststillpayanysep.araterequired PA Box80974 ason,0ho45040.
`Credit ReportingDisputes.We mayr ort illfom1atiortaboutyouraccountto creditbumaus.
`paymentontheexcludedpromotionalbalanceInbidingcyclesin whichpaymentsareal catedto
`f youthinkwereportedinaccurateinformaontoacmditbureauwriteusat CreditBureauDispute
`SpecialEventbalancesfirst,theSpecialEventbalancewillbereducedbeforeargotherI)alanceanthe
`accountHowever,youwillcontinuetogeta graceperiodonpurchases,sotongasyoupaytheNew Verification,P.0.Bos8218.Mason,0H45040.
`Balance(lessanyexcludedpròi110tionalbalance,husanysctamtelyrequiredpaymentonanexcluded
`re
`Óyorank5ucy
`B
`y
`promotichelbalance)intunbythepaymentdueÓateeachbillingcycle
`acc50
`n
`o
`r
`CªH 9"
`OtherpromotíonaloffersnotdescribedabovemayalsoallowyoutohaveagraceperiodonpurchasesIteportaLostor StolenCardImmediately.CalltheCustomerServicenumberhownon st1 ofthis
`stateInentForTTY(TelecommunkallonsDevicefortheDeaftassisknee,call1-800 81
`0
`s
`eacr e a ha
`er
`o ! o
`aset
`I
`Whatio0olfYouThhik YouFindAMistake0nYourStatement,lf outhinktheielsone(oron
`yourstatementwritetousat:DepaWtmeritStoresNationalBent P,0.Box 097,MasonDhio45040.
`a
`rrna
`e r
`1 out
`I e s I
`9
`acu
`t n ac o )
`(11cudr ) c r
`babacecan utationmethodfMryouraccouiltandhowtheresultinInterestchargesWeredetermíned Inyourletter,gNeusthefollowmgmf0miatlan;
`"Accountinformation;Yournamerandaccountnumbet
`contactusatheCustomerservicenuniberonthefrontofthissteement.
`" Dol!ar±rgountThedollaramountofthesuspectederror,
`OtherAccountandPaymeritinformation;
`" Descritbn ofProhfem:If youthinkthereisanerroronyourbill,describewhatyoubelieveiswrong
`PaymentAmount.Youmaypayallorpartofyouraccountbalanceateny.timeEowever,youmust
`iiiidTV1ÿyoubeheveif1aamistoke
`pay,bythepaymentduedate,st leasttheminhmmpaymentdue
`ntinpr erfomiÿtourprocessing Youmustcontañuswithin00daysaftertheerrorappearedonyourstatetilent,
`WheriYourPaymentWill BeCreditedJfwereceiveye
`A .ayalentreceivedthereinproper Youinuatiotifyusofanypotential.errorslawritt - .YouI11scallus;butif youdoweareItotrequired
`facilityby5p.m.localtimethere,Itwinbecreditedasoft
`toinvestigateanypotentialeirorsandyoumaylavetopay0heamoúntinquestion.
`/ .aysforpayawntsbyregularmall
`termattertint timewittbecreditedasofthenextday,AllowSt
`to reachus Theremaybea delayof upto5 das in creditinga paymentwereceivethat s notin Whiáweinvestigatewhetherornottherehasbeenanerror,1,hefollowingaretrue:
`p!operfomtor isnotsenttothecorrettaddress.hecorrectadoressforre ularmaUStheaddress
`" Wecannotbytocollecttheamountinquestion,orTeportyouasdelinquentonthatamount,
`onthefrontof thepaymantcoupon.Thecorrectaddressfor expressmailÎs (cid:5)hownin theExpess
`" Thechargeinquestlanmayremainonyourstatement,andwennycontinuetochargeyouinterest
`Mailsection,
`pathatamo0nt.But.ifwedeterminethatwemadea mistake,youwillnothavetopaytheamount
`ProperForm,Fora paynentsentbymailarcouýr toheinpiaperform,youmust:
`ibleforIberemainderofyourbalance.
`r es
`ng e t
`"
`a e
`e
`y
`do
`I
`n
`r a o
`igits
`la
`ndt
`ncludeyo r
`* Wecanapplyanyunpaidamountagamstyourcreditlimit
`DocumentProductionFee.Weony chargeyoua feeof $3.00 peritemi yourequestcopies
`of previousyprovidedrecords,suchasStatementsandsaleschecks,Wewjllnotchergeycufor YourRightsIt YouAre DissatisfiedWith YourCreditCardPurchases.If youaredhsatisfied
`withthegoodsorservicesthatyouhave urchasedwithyourcreditcard,andyadhavetriedingood
`doollmentsproducedinconnectfonwitha BillingErrorinvestigation.
`toMemwith hemercant,youmayhavethelightnottopaytheremamingamount
`fd8Éh
`r
`PayinentOtherThanByMall.
`" In-$tore.Anypaymentinproperformacceptedildstorewillbeoreditedasofifistday.Howwer, Tousetheright altofthefollawi mustbetrue
`creditavailabirtymaybesubjecttoverificationoffunds
`harh90
`pu
`" Online/AutoPay.GototheljRLonPage1 ofyoilysiatementtomakea pa4mentonline,Youcan
`r
`e0eünS50
`ee
`s
`e
`an h p
`nrcIllnAutoPayandhaveyourpaymentamountautomatica9ydeduct eachmonthIreinthe
`oecessaryif yourpurchasewasbasedonanadvertisementwemai[edtoyet or if weownthe
`al
`paymentaccountyouchoose.
`cormanythatsoldyouthegoodsorservices,)
`"Phone Calfthenunter onPage1 of yourstatementto ma7eapaymentbyphone.Forphone 2.Youmusthaveused ourcreditcardfortile urchase.Purchasesmadewithcashadvancesfrom
`yments,you authorneus to electronicallydebityour specilledbankaccountbyan ACH
`soATMorwithachebkthataccessesyourcreditcardaccountdonotqualify
`mosactionmtheannuntandonthedatethat'ou1ndicateontheplene,Youmaycancelaphone
`aymentby callingusatthesamenunterwk in thetime floddisclosedtoyouonthephone. 3·YoumustnotyethaveMy paidfortheppmhase.
`hereis nofeeformaldnga aymentinourstores,bymal, usingourautomatedvoiceresponse Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththe urchase,contactus!agitjng
`at DepartmentStoresNationalBank,P.0 Box8007Mason,0H4500.
`systemonlineattheQRLon age1,orWithouronlinepartneratmycheckfreecom
`" AttentAssistedPilonePayments,Nyoucallustomakeapaynantwiththeassistanceofalive Whileweinvestigatethasamerclesapply.tothedisputed-amountasdisettssedabove,Afterwefinish
`agent,thepaymentwillbeapplindtoyouraccountthesamedayandyouwillbechargedaS5.00 ourinvestigation,wewillteltyouourdecision,Atthatpoint,ifwethinkyouoweanamountandyoudo
`riotpay,we:nnyreportyouasdeInquent
`ageMexpeditedpsymehtfee,
`" ExpressMall, Send aymenttP expressnet to: ConsumerPaymentDept,G716GmdeLane; TheBloomingdale'sAmericanE. ressCardprogramandMacysAmericanEkpresseardprogram
`areissuedándadninisteredby epartmentStoresNationalBank.AmericanExpressis a federall
`Budding9,Suite910, ouisviite,Y40213.
`registeredservícemak0fAmencanExpressandis usedby DepartmentStoresNationalBah
`AmexSLFEB20
`pursuantto nlicense
`- CARi - N -0 -510(cid:26)E/-01/21/20-07/01/15-59 - June17,2020-May20,2020
`- - 198208JB/ 0- O- 10(cid:26)C/-P- B - -0 -Y VD/-0-
`MA-6325-7700-0002JA/-S - 71-N - D--
`- - 8-
`+ - -0520(cid:26)G/-V- - 0 -0-
`N - - - VF/-0- - MX8Q- V - D- D-
`Page2 of 4
`
`...g
`
`Newinformatiop Fornewaddm telephoneoremailaotomayuom&redit
`orenterthenewmformationbelowdothangeyourname,pleaseindicatethenewnamebelow.
`
`.
`
`.
`
`K
`
`*Phone: By giving USa cell GUmberor a Dumber later converted
`umber, y0U agree that ‚e OrOur Service]Hoviders cari
`contad you at that number by autodialer, recorded or artifidal
`text.Your phone gilancharges niay apply
`voke or
`
`ou provide our email address you
`AddressY
`**EnterEmaH
`account ssuer for th s accosnt to contact ou
`authorize1)the
`aboutyouraccountandtellyouaboutusefulproductsan
`serylces; and 2) Macy's to email you Information about receiving
`promotions,sales, spedal evetits and other offerL
`
`for
`
`electronic
`
`Sign
`up
`Its fest, easy and convenient.
`Maketheswitchteday!
`Gotomacysicom/gopaperless
`
`statements.
`
`(; RECYCLABLE
`
`10 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`*macys
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`Account
`nurnber ending in9796
`
`COVID- 19: We're experiencing high telephone call volumes and appreciate your patience. For a faster way to manage your credit account, visit
`to log in or set up your profile. From there, you can add your card and access online servicing to check your balance, make a payment,
`macys.com/credit
`enroll In paperless statements and more.
`
`Marketing offers included in this statement are intended for residents of the United States,
`
`its Territories, and Canada.
`
`transactions
`Macy's
`Transaction Date
`Description
`PAYMENT- THANK YOU
`Jun 16
`
`Fees
`Trransaction Date_D_escription
`TOTAL FEESFORTHIS PERIOD
`
`Charged
`Interest
`Transaction Date
`Jun 19
`
`Description
`INTERESTCHARGEON PURCHASES
`TOTAL INTERESTFORTHIS PE IOD
`
`Total Fees Charged In 2020
`Interest Charged in 2020
`Total
`
`$27.00
`$298.84
`
`Location
`
`.
`
`.
`
`.__.........
`
`. . ..
`
`Amount
`-$77.84
`
`Amount
`$0.00
`
`Amount
`$53.43
`$53.43
`
`Detail
`
`Activity
`
`and Promotions
`Original
`Promotion
`Trans
`Amount
`RANSACTIONS
`REGULAR
`
`Promotion
`Trans
`Date
`
`Purchases,
`Payments
`Cash Adv,
`Fees &
`Previous
`Interest
`& Other
`Charged
`Other Debits
`Balance
`Credits
`_____________.,_____________
`
`New
`Balance
`
`Deferred
`Promotion
`Interest
`Minimum
`Payment D_ue_ Charges
`_______
`
`Promotion
`Expiration
`_Date___
`
`-
`
`-
`
`$2,560.34
`
`-$77.84
`
`-
`
`$53.43
`
`S2,535.93
`
`-
`
`-
`
`-
`
`CAR
`
`ES
`REGULAR
`
`TOTAL
`
`Charge
`Calculation
`ES@MsMNE
`
`Interest
`MRmelt
`TRANSACTIONS
`...REGULAR
`CASH ADVANCES
`REGULAR
`(V)=VariableRate
`
`$2,560.34
`
`-$77.84
`
`$0.00
`
`$52.43
`
`$2,535.93
`
`$0.00
`
`$O.00
`
`YourAnnual PercentageRate(APR)istheannualinterestrateonyouraccount.
`MMMEMtNsKninasMM4SEMMissmsMMM9nnEMWB
`n Ys42
`
`25.24%W)
`
`25.24% (V)
`
`$2,575.77
`
`___$0.00_
`
`$53.43
`
`$0.00
`
`tmacy'S
`
`STAR
`
`REWARDS
`
`n eWS
`
`Star Rewards
`Points eamed at Macy's 5/16/20- 6/17/20
`Points eamed outside of Macy's5/16/20 -6/17/20
`Points Balance as of 6/17/20*
`*Current point balance does not Include pending points or points earned for
`items shIpped or delivered after the "as of" date. Visit
`macye.corn/mystarrowards
`to see your current points balance.
`
`0
`0
`459
`
`loyalty level through Dec. 2021. This means
`response to COVID-19, you can keep your current
`We're extending Platinum & Gold statuslin
`you'll get another year of exclusive perks like Free Shipping with no minimum at Macy's with your Macy's Card. See all your benefits at
`macys.com/starrewards
`
`Page3 of 4
`
`11 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`*
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`Account
`number
`ending in9796
`
`*
`
`though they're not being mailed right now, Star Passes are still available in your Wallet on
`An update on Star Pass delivery:Even
`macys.com & In the Macy's app and can also be used in store at checkout. To access them online, just sign in at macys.com/oredit and add
`your Macy's Card to your Wallet (if you haven't already). Your Star Passes will appear in Wallet and you can apply your offer to your order at
`checkout.
`
`..n
`.J
`ET
`CI
`FU
`
`Online
`
`Pay
`Visit macys.com/credit
`Log in or
`register
`your
`account
`to pay online
`
`Mail
`
`by
`Pay
`Mail your check or money
`order
`to the address
`printed
`on the
`payment
`to
`coupon
`attached
`this stateinent
`
`by Phone
`Pay
`the number
`on the back of your card or
`Call
`this statement
`of
`front
`to pay by checking
`system-
`account
`using our automated
`payment
`7 days a.week, 24 hours a day
`
`OCP01
`
`GO PAPERLESS
`& let's
`make
`
`digital
`
`this
`
`inbox when
`to your
`Get alerts
`sent
`are
`are due & statements
`payments
`It s easy & convenient.
`ready,
`sign in to youraccount atmacys:oom/gopaperless to get started.
`
`*STAR
`
`REWARDS
`
`OGP
`
`Page4 of 4
`
`12 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`Exhibit
`
`"B"
`
`13 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`*macys
`
`*
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`AlvIE - t(AN
`
`-
`
`e
`
`Macy's
`
`American
`
`Express®
`
`Account
`
`statement
`
`Questions
`
`or
`
`lost/stolen
`
`card? Call Customer
`
`Service
`
`1-800-782-7756
`
`Go to macys.com/creditto
`
`manage
`
`and pay your
`
`account
`
`online.
`
`MUHAMMAD WALIULLAH
`Account Number:
`
`29796
`
`of Account
`Summary
`Previous Balance
`EâyRLentt___
`Other Credit
`IMKhaW/EhKRhill.
`feesItweed
`interest Charged
`O New Balance
`sPast Due Amount
`
`.
`
`Activity
`
`.
`
`.
`
`____ _$3J33.84
`__:$.0AA-
`0
`t$DAA-
`$AQAQ._..
`+$68.01
`$3,241.85
`$854.34
`
`.
`
`,,
`
`Information
`
`Payment
`New Balance
`Minimum Payment Due
`Payment Due Date
`
`___
`
`3,241.85
`$1,73740
`16, 2021
`February
`If we do not eceive your minimum payment by the date
`Late Payment Warning:
`listed above, you may have to pay alate fee up to $40.
`If you make only the minimurn payment each
`MinimumPaymentWarning:
`period, you will pay more in interest and it will take you longer to pay off your
`balance. For example;
`
`Credit Limit
`Ay i>able Cai0t
`Limit
`Arnount.Over-Credit
`Statement Clo_sing.Date
`Next Statement Closino Date
`Days in Billing Cyde
`
`. ..
`
`.
`
`._ __...
`
`$0.00
`$0.00
`. $741,85 .
`01/20/2021
`02/12/2021.
`31
`
`estimated totd of
`and each month you pay
`Only h min
`$6,658
`um payment
`$4,655
`$129
`(50Vingsm$2,003)
`tyou wouldlikeinformation about creditcounseEngservices,call1 8773376188
`
`tatement i ) aböiL
`12 years
`
`3years
`
`the New York State Department of Financial Services by telephone.1·800-342-3708,
`New York residents may contact
`for free Information on comparative credit card rates, fees and grace periods,
`
`or visit its website, www.dis.ny.gov,
`
`Please see the enclosed privacy notice for Important information.
`to log in or set up your profile. From there, you can
`You can access and manage your credit card account whenever you want - just visit Inacys.com/credit
`add your card and access online servicing to check your balance, make a payment, enrollin Paperless Statements and more.
`Please note that if we received your pay by phone or ondne payment between 5 p,m, ET and midnight ET on your Statement Closing Date identified on your
`that payment will appear on your next statement.
`last statement,
`
`*macyS
`
`STAR
`
`REWARDS
`
`PLEASESEEIMPORTANTINFORMATl0NONREVERSESIDE.
`
`Page1 of U
`
`This Account Isissued byDepartment StoresNationalBank,
`BMAI2
`
`*mGCyS
`PO BOX 790003
`5T.LOUIS,MO 63179-0003
`
`Your Statemen t Enclosed
`
`MUHAMMAD WAL1ULLAH
`714 FOSTERAVE APT A3
`BROOKLYN, NY 112304334
`
`Express Account
`Macy's American
`Pleasereturn this do withpayment,Write account
`nurnberon front oftheck.Youcan pay atanyMacy's
`store,online at macys.com/credit,0r by mall'
`Paymentsreceived by mall by 5:00pm local time
`at tlie address shown below willbe credited as of
`thedatereceived.
`Usereverse sde for address changes.
`
`Account Number:
`
`Payment Due Date
`New Balance
`Minimum Payment Due
`
`February
`
`29796
`
`16, 2021
`$3,241.85
`$1,737.20
`
`Amount
`
`EnclowÆ
`
`Make Check Payable tm Macy's
`v Mall to address belowy
`
`Macy's American Express Account
`PO SOX 71361
`PHILADELPHIA, PA 19176-1361
`
`14 of 19
`
`

`

`FILED: KINGS COUNTY CLERK 05/03/2023 10:21 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 513170/2023
`
`RECEIVED NYSCEF: 05/03/2023
`
`" CreditingPaymentsotherthan by Mall. Thepaymentcutofftimefor Onlinehinpaynents,
`InformationAboutYourAccount.
`PhonepaymentsandExpressMailpayrnentsis midnightEastemtime Tulsmeans1hatwewill
`liow to AvoidPayingliderest on Purchases.Yourpaymentduedatelsof least25 daysafter
`credityouraccountasofthecalendarday,hasedonEastemlime,thatwereceiveyourpayment
`titecloseofeachbillingcych,WewdlnotchargeyouanyInterestonpurchasesif yetipayyourNew
`request
`BalancebythepaymentduedateeachmonthThfsis calleda graceperfodmi purchases.Togeta
`If yousandaneligiblecheckwith this nymentcoupon,youauthorizeus tocompleteyour
`raceperiodonpurchases.youmustpaytheNewBalancebythepaymentduedateeveryhilMncycle.
`paymenthyelectronicdebit.II we do, HecheckingaccountwlHbedebitedMthe amount
`f youdonot,youwill notgeta graceperioduntilyoupayth No Balancefortwobillingcycesina
`onthe check.Wemaydo this as soonas the daywe receivethe check.Also,the check
`row,Theleisnogracepenedonexcludedpromotionalbalancesorcashadvances
`IFyouhavea balancesubjecttoa SpecialEventpromotionandthatpromotiondoesnotexpirebefom will hedestroyed.
`thepaymentduedateJhatbahnce(arexcludedpromotionalbalance")b excludedfromtheamount DisputedAmounts.Allcommuýationsconceminodisputedamounts.includingany.checkorother
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