SUPREME COURT OF THE STATE OF NEW YORK
`COUNTY OF KINGS
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`CAPITAL ONE, N.A,,
`Plaintiff,
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`MATTHEW SILVERMAN,
`Defendant.
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`Index No.: 530450/2025
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`Exhibit D — Radius Letter (May 10, 2025)
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`Summary: This is a letter from Radius Global Solutions, dated May 10, 2025,
`attempting collection activity after the account had already been marked
`“closed and returned to Capital One” on March 18, 2025.
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`This demonstrates a violation of the FDCPA (continued collection activity
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`without proper validation) and shows inconsistent handling of the debt.
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`P.O. Box 390846
`Minneapolis, MN 55439
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`LB T
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`MATTHEW SILVERMAN
`570 STH ST APT 4
`BROOKLYN NY 11215-3588
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`Radius Global Solutions LLC
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`7505 Metro Blvd, Suite 400
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`Edina, MN 55439
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`866-611-0624
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`Office Hours (EST) 8am-8pm Mon-Thur 8am-5pm Friday
`May 05, 2025
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`Radius Reference Number: 005-F84931568
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`Radius Global Solutions is a debt collector. We are trying to collect a debt that you owe to CAPITAL ONE, N.A.. We will
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`use any information you give us to help collect the debt.
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`Our information shows:
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`How can you dispute the debt?
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`You had a CAPITAL ONE, N.A. account with account
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`As of 08/15/2024, you owed: $12,090.29
`Between 08/15/2024 and today:
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`You were charged this amount in interest: + $0.00
`You were charged this amount in fees: + $0.00
`You paid or were credited this amount
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`toward the debt: - $60.00
`Total amount of the debt now: $12,030.29
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`m?fiu‘!l“ ot
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`NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
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`« Call or write to us by 06/18/25 to dispute all or
`part of the debt. If you do not, we will assume that
`our information is correct.
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`* If you write to us by 06/18/25, we must stop
`collection on any amount you dispute until we send
`you information that shows you owe the debt. You
`may use the form below or write to us without the
`form. You may also include supporting documents.
`We accept disputes electronically at
`ngicontact@radiusgs.com.
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`What else can you do?
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`+ Write to ask for the name and address of the
`original creditor, if different from the current
`creditor. If you write by 06/18/25, we will stop
`collection until we send you that information. You
`may use the form below or write to us without the
`form. We accept such requests electronically at
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`a i .CO!
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`* Go to www.cfpb.qov/debt-collection to learn
`more about your rights under federal law. For
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`instance, you have the right to stop or limit how we
`contact you.
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`+ Contact us about your payment options.
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`To make online Payments visit:
`paymentportal.radiusgs.com
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`Use Reference Number: 005-F84931568
`Your PIN: 61764
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`Itemization of Debt:
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`Creditor: CAPITAL ONE, N.A.
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`Original Creditor Account #: ********+**+7861
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`Total Amount Due as of Charge-Off: $12,090.29
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`Total Amount of Interest Accrued Since Charge-Off: $0.00
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`Total Amount of Non-Interest Charges or Fees Accrued Since Charge-Off: $0.00
`Total of Payments Made Since Charge-Off: $60.00
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`Total amount of the debt now: $12,030.29
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`Call: JIM MURPHY at 866-611-0624
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`New York City Department of Consumer and Worker Protection License Numbers: (DCA) 2111402, 2079569, 2058515,
`2079568, 2111286, 2079573, 2079571, 2079572, 2116872, 2079567, 2079574.
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`Resident.s of New York City please contact us to confirm your preferred language. All communications are in English with the
`followmg exceptlion: Spanish-speaking agents may be available by phone. Written communications may be available in
`Spanish. A translation and description of commonly used debt collection terms is available in multiple languages at
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`www.nyc.gov/dca.
`You may request this communication in large print by contacting us at 866-611-0624.
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`Detgt oo_l!edors. in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from
`engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence;
`(i) the use of obscene or profane language; and (jii) repeated phone calls made with the intent to annoy, abuse or harass.
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`We are required by law to give you the following information: If a creditor or debt collector receives a money judgment against
`you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1.
`Supplemental security income, (SSI); 2. Social security; 3. Public assistance (welfare); 4. Spousal support, maintenance
`(alimony) or child support; 5. Unemployment benefits; 6. Disability benefits; 7. Workers' compensation benefits: 8. Public or
`private pensions; 9. Veterans' benefits; 10. Federal student loans, federal student grants, and federal work study funds; and
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`11. Ninety percent of your wages or salary earned in the last sixty days.
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