throbber
FILED: ONEIDA COUNTY CLERK 05/16/2023 10:40 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EFCA2023-001261
`
`RECEIVED NYSCEF: 05/16/2023
`
`SUPREME
`COUNTY
`
`COURT
`OF ONElDA
`
`OF THE
`
`STATE
`
`OF NEW YORK
`
`CONSUMER
`CREDIT
`No. RC26945
`Our
`File
`
`TRANSACTION
`
`LVNV
`
`FUNDING
`
`LLC
`
`-against-
`
`Plaintiff
`
`Alicia
`
`Townsend
`
`Defendant
`
`(s)
`
`Court
`Date
`
`No.
`
`Index
`Purchased:
`
`SUMMONS
`Plaintiff's
`55 Beattie
`
`Greenville,
`
`address:
`
`Suite
`Place,
`SC 29601
`
`110
`
`1111IHI11111IH1111(111(1111111111
`
`1111Illilllllhl
`
`l 11111111
`
`IIII
`
`IIIIIIIIIIllIIIIl
`
`ll#
`
`111111111
`
`IIIIHilNllil
`
`The
`
`basis
`
`of
`
`venue
`
`is:
`
`The
`To
`
`defendant(s)
`the
`above
`
`in the
`reside
`named
`defendant
`
`State
`(s):
`
`of New York,
`
`County
`
`of ONEIDA
`
`PLEASE
`answer
`to
`address
`
`to
`
`if
`
`answer
`
`on
`
`the
`the
`
`NOTICE
`TAKE
`complaint
`the
`below
`indicated
`days
`or within
`30
`of New York.
`State
`
`itself),
`the
`
`THAT
`of
`the
`within
`after
`
`YOU ARE HEREBY
`Plaintiff
`herein
`and
`service
`20
`days
`after
`service
`is complete
`
`SUMMONED
`of
`serve
`a copy
`Summons
`of
`this
`Summons
`the
`is not
`
`your
`(not
`counting
`delivered
`
`Plaintiff
`date
`of
`to
`
`the
`at
`service
`you
`within
`
`personally
`
`YOU ARE HEREBY
`for
`relief
`default
`the
`
`NOTIFIED
`demanded
`
`THAT
`in the
`
`should
`complaint.
`
`you
`
`fail
`
`to
`
`answer,
`
`a judgment
`
`will
`
`be
`
`entered
`
`against
`
`you
`
`by
`
`Dated:
`
`May
`
`15,
`
`2023
`
`C BAUM & PHILLIPS,
`e E or Plaintiff
`
`P.C.
`
`KIRSC
`Attor
`BY:
`
`JOLAN
`40 Dan
`P.O.
`Bo
`
`SZYMANSKA
`I Street,
`Suite
`9000
`
`7
`
`Farmingdale,
`1-866-746-1144
`
`NY 11735-9000
`
`Defendant
`
`(s) Address:
`
`6 Wind
`
`PI
`
`Whitesboro
`
`NY 13492-1018
`
`WE ARE DEBT
`COLLECTORS-THIS
`PURPOSE.
`FOR THAT
`USED
`
`IS AN ATTEMPT
`
`TO COLLECT
`
`A DEBT
`
`AND ANY
`
`INFORMATION
`
`OBTAINED
`
`WILL
`
`BE
`
`1 of 7
`
`

`

`FILED: ONEIDA COUNTY CLERK 05/16/2023 10:40 AM
`OF NEW YORK
`SUPREME
`COURT
`OF THE
`STATE
`NYSCEF DOC. NO. 1
`Our
`File
`COUNTY
`OF ONEIDA
`
`INDEX NO. EFCA2023-001261
`No. RC26945
`RECEIVED NYSCEF: 05/16/2023
`
`LVNV
`
`FUNDING
`
`LLC
`
`Alicia
`
`Townsend
`
`-against-
`
`Plaintiff
`
`Court
`
`Index
`
`No.
`
`COMPLAINT
`
`Defendant
`
`(s)
`
`**************5153
`
`by
`
`Plaintiff,
`1.
`Department
`2.
`3.
`of
`
`statute
`
`Affairs,
`
`and
`
`its
`attomeys,
`complaining
`Plaintiff
`is a limited
`liability
`of Consumer
`license
`That
`the
`defendant(s)
`Upon
`information
`limitations.
`
`the
`of
`company.
`number
`in the
`causes
`
`defendant(s),
`Plaintiff
`1326179.
`
`respectfully
`is licensed
`
`as
`
`alleges:
`a debt
`
`collector
`
`the New York
`
`by
`
`City
`
`the
`
`in which
`this
`county
`of action
`asserted
`
`action
`herein
`
`is brought.
`are
`not
`
`outside
`
`the
`
`applicable
`
`resides
`belief
`
`4.
`
`5.
`
`The
`
`Comenity
`Under
`and/or
`
`defendant(s)
`Capital
`the
`obtained
`
`Bank,
`terms
`
`of
`cash
`
`FOR A FIRST
`entered
`heretofore
`original
`the
`where
`the
`agreement
`advances
`
`and
`
`CAUSE
`into
`account
`
`a
`
`OF ACTION
`card
`credit
`number
`
`Plaintiff,
`
`original
`
`the
`defendant(s)
`were
`obligated
`
`were
`to
`
`repay
`
`to,
`
`same
`
`did make,
`with
`
`charges,
`applicable
`
`with
`the
`agreement
`ended
`in **************5153.
`authorized
`and
`the
`together
`
`The
`of
`The
`last
`
`defendant('s')
`$100.00.
`account
`payment
`
`or
`
`last
`
`payment
`
`on
`
`the
`
`instant
`
`account
`
`was
`
`received
`
`on
`
`or about
`
`May
`
`20,
`
`2020
`
`the
`
`recent
`
`monthly
`
`statement
`
`recording
`
`a
`
`purchase
`
`payments
`of
`
`as they
`broken
`
`became
`down
`
`a final
`
`balance
`
`creditor,
`
`purchases
`interest.
`
`in the
`
`6.
`amount
`7.
`
`transaction,
`
`8.
`
`printed
`transfer
`in making
`2020
`in the
`charge-off:
`charge-off:
`charges
`
`balance
`balance
`defaulted
`Defendant(s)
`of December
`as
`Total
`amount
`Total
`interest
`Total
`non-interest
`Total
`payments/credits
`purchaser
`Plaintiff
`is
`the
`and
`is authorized
`to
`2020
`and
`the
`
`due
`
`and
`
`owing
`
`due
`since
`
`9.
`**************5153
`was
`December
`due
`the
`is as
`
`account,
`
`31,
`follows:
`
`31,
`at
`
`most
`on
`was
`$627.00.
`additional
`amount
`$1,040.17
`
`due
`as
`
`leaving
`follows:
`
`$1,040.17,
`
`$.00
`
`$.00
`charge-off:
`since
`charge-off:
`this
`with
`of Title,
`
`since
`
`of
`proceed
`Chain
`
`$.00
`account
`this
`with
`
`action.
`the
`
`where
`The
`date
`
`the
`date
`and
`
`original
`on which
`amount
`
`of
`
`account
`the
`each
`
`ended
`number
`became
`herein
`assignment
`
`or
`
`in
`
`of
`
`balance
`sale
`
`10.
`
`11.
`
`accounts
`is the
`
`mailed
`
`from
`May
`
`15,
`
`of
`sum set
`12.
`to the
`13.
`WHEREFORE,
`December
`2023
`
`Comenity
`WSFS,
`Resurgent
`LVNV
`
`Funding
`Defendant(s)
`
`That
`heretofore,
`indebtedness
`the
`forth
`above,
`Upon
`information
`defendant(s).
`
`and
`
`FSB,
`
`Bank
`Capital
`as Trustee
`Acquisitions
`LLC
`is/are
`
`2021
`14,
`January
`for CVI AMR Investment
`LLC
`2023
`March
`27,
`$1,040.17
`March
`2023
`27,
`of
`a result
`plaintiff
`liable
`to
`defendant(s)
`FOR A SECOND
`OF ACTION
`CAUSE
`rendered
`to
`or
`the
`assignor,
`plaintiff,
`defendant(s)
`of
`a result
`due
`sai
`an
`
`$1,040.17
`Trust
`$1,040.17
`
`March
`
`as
`
`a
`
`owing
`atements
`on
`
`lief,
`
`by
`
`or
`
`defendant(s)
`were
`delivered
`about
`December
`
`as
`to
`
`defendant(s)
`2020
`31,
`
`27,
`
`2023
`
`$1,040.17
`
`breach
`
`of
`
`agreement.
`
`the
`
`just
`
`and
`
`true
`which
`
`of
`
`account
`
`was
`
`full,
`monthly,
`aforesaid
`transaction,
`objection.
`without
`a final
`statement
`
`Defendant(s)
`plaintiff
`
`31,
`
`2020,
`
`is/are
`dema
`to
`
`he
`
`an
`
`for
`udgment
`costs
`
`I
`
`JOLANT
`
`ZYMANSKA
`
`for
`
`stated
`account
`the
`against
`defendant(s)
`disbursements.
`and
`
`the
`
`amount
`for
`
`above.
`claimed
`sum of $1,040.17
`
`the
`
`with
`
`interest
`
`& PHILLIPS,
`
`P.C.
`
`KIRSCHENBAUM
`for Plaintiff
`Attomeys
`40 Daniel
`Suite
`Box
`P.O.
`
`Street,
`9000
`
`7
`
`Farmingdale,
`1-866-746-1144
`
`NY 11735-9000
`
`2 of 7
`
`

`

`FILED: ONEIDA COUNTY CLERK 05/16/2023 10:40 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EFCA2023-001261
`
`RECEIVED NYSCEF: 05/16/2023
`
`SUPREME
`COUNTY
`
`COURT OF THE STATE
`OF ONEIDA
`
`OF NEW YORK
`
`Index No.
`Our File No. RC26945
`
`________________________________________________________________________________Ç
`LVNV
`FUNDING
`LLC
`
`-against-
`
`Plaintiff,
`
`Alicia
`
`Townsend
`
`Defendant(s),
`---_____________________________________________________________________________Ç
`OF COMMENCEMENT
`OF ACTION
`TO MANDATORY
`ELECTRONIC
`FILING
`
`NOTICE
`SUBJECT
`
`TAKE
`
`PLEASE
`commenced
`System
`Trial
`
`Filing
`for
`the
`
`of
`by filing
`("NYSCEF"),
`Courts.
`This
`
`NOTICE
`the
`
`captioned
`the matter
`documents
`accompanying
`is subject
`to mandatory
`served
`notice
`is being
`
`that
`
`with
`electronic
`required
`
`as
`
`has
`which
`above,
`Clerk
`the County
`pursuant
`filing
`by Subdivision
`
`been
`the New York
`via
`to Section
`202.5-bb
`of
`Section.
`
`(b)
`
`(3)
`
`that
`
`State
`of
`
`Electronic
`Courts
`the Uniform
`Rules
`
`Counsel
`Consent/Represent
`
`mandatory
`document
`any
`documents.
`
`and/or
`page
`(see
`e-filing
`filings.
`
`must
`parties
`in NYSCEF;
`below).
`Failure
`an
`
`Claiming
`
`either:
`1)
`or 2)
`file
`to record
`exemption
`
`record
`immediately
`of Opt-Out
`the Notice
`representation
`will
`require
`
`the
`
`may
`exempt
`
`representation
`their
`form to claim
`one
`result
`in an inability
`to
`serve
`party
`
`within
`matter
`e-filed
`the
`of
`limited
`the
`exemptions
`to receive
`electronic
`and
`be
`with
`served
`
`on
`
`the
`from
`of
`
`copy
`
`notice
`hard
`
`Counsel
`a user
`obtain
`the NYSCEF
`efile@nycourts.qov;
`
`and
`ID and
`website
`
`who
`
`parties
`unrepresented
`additional
`For
`password.
`at www.nycourts.qov/efile
`address:
`60 Centre
`
`create
`first
`must
`to create
`and
`Center
`(phone:
`10007).
`
`a NYSCEF
`account
`a NYSCEF
`account,
`646-386-3033;
`
`and
`visit
`e-mail:
`
`mailing
`
`intend
`information
`or contact
`Street,
`
`in e-filing
`to participate
`about
`electronic
`filing
`the NYSCEF
`Resource
`New York
`New York,
`
`Exemptions
`
`from
`
`mandatory
`
`e-filing
`
`(Section
`
`202.5-bb(e))
`
`are
`
`limited
`
`to:
`
`1) attorneys
`connection
`
`comply
`
`with
`
`who
`that
`
`or
`
`e-filing
`
`in good
`certify
`lack
`they
`requirements;
`
`(along
`
`faith
`with
`and
`
`lack
`that
`they
`all employees
`
`computer
`the
`to their
`subject
`
`hardware
`
`direction)
`
`and/or
`the
`
`scanner
`operational
`
`internet
`and/or
`knowledge
`
`to
`
`2) parties
`encouraged
`
`to represent
`expect
`who
`to visit www.nycourthelp.qov
`
`choose
`and who
`themselves
`or contact
`the Help
`
`not
`Center
`
`t
`
`i
`
`rticipate
`t e court
`
`in e-filing.
`where
`the
`
`(Such
`action
`
`parties
`is pending.)
`
`are
`
`Date:
`
`May
`
`15,
`
`2023
`
`Alicia
`
`Townsend
`
`PI
`
`6 Wind
`Whitesboro
`
`NY 13492-1018
`
`SZYMANSKA
`J
`ENBAUM
`& PHILLIPS,
`KIRSC
`40 Dan
`)I Street,
`Suite
`7
`P.O.
`Bo I 9000
`NY 11735
`Farmingdale,
`1-866-746-1144
`Telephone
`efile@collectlaw.com
`
`P.C.
`
`3 of 7
`
`

`

`FILED: ONEIDA COUNTY CLERK 05/16/2023 10:40 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EFCA2023-001261
`
`RECEIVED NYSCEF: 05/16/2023
`
`Summary of account activity
`Accountno.
`****-****-****-5153
`
`Previousbalance
`Payments
`Othercredits
`Purchases
`Otherdebits
`Feescharged
`Interestcharged
`Newbalance
`Pastdueamount
`Creditlimit
`Availablecredit
`Statementclosingdate
`Daysinbillingcycle
`
`$975.67
`0.00
`0.00
`0.00
`0.00
`40.00
`. .___ 50
`$1,040.17
`210.00
`$684.00
`$0.00
`12/25/2020
`31
`
`PAGE1OF4
`
`$1,040.17
`$247.00
`01/20/2021
`
`Payment information
`Newbalance
`Minimumpaymentdue
`Paymentduedate
`ute paymentwarning:
`Ifwedonotreceiveyourminimumpaymentby01/20/2021youmay
`haveto payuptoa $40.00latefee.
`...................... . . ...... . ........................... ........ ................................
`Minimumpaymentwaming: Ifyoumakeonlytheminimum
`paymentforeachperiod,youwillpaymoreininterestandit willtake
`youlongerto payoffyourbalances.Forexample:
`na
`u make
`d
`A y
`You
`payoff
`chargesusingthiscard
`thebalanceshown enduppayingan
`andeachmonthyoupay:
`onthestatement estimatedtotal
`in about:
`of:
`....................
`Onlytheminimumpayment 5years
`$1867
`Forinformationregardingcreditcounselingservices,
`call1-800-284-1706.
`
`Skipsigningin topayanduseComenity'sEasyPay.It'ssafeandconvenient.Useyoursmartphonecameraorcode
`readertoscantheORcodeprintedonyourpaymentstubbelowtogetstarted.
`
`Details of your transactions
`TRANSDATE TRANSACTIONDESCRIPTION/LOCATION
`Fees
`12/20/2020
`
`LATEFEE
`Totalfeeschargedfor this period
`.. ..... . .. .. .. .. .. .. ..... ..... ..... ..... ........ . . .
`. .. .. .
`Interest charged
`Interestchargeon purchases
`Totalinterestfor this period
`
`.. .. ... .. ..... ........ ..... ..... ..... ........... ..... ... . .. .....
`
`AMOUNT
`
`40.00
`$40.00
`.. ......
`
`$24.50
`$24.50
`
`2020totals yearto date
`Totalfeeschargedin2020
`$336.00
`Totalinterestchargedin2020
`$239.36
`......................................................................................................................................................
`Interest charge calculation
`YourAnnualPercentageRate(APR)istheannualinterestrateonyouraccount.SeeBALANCECOMPUTATIONMETHOD
`onpage2 formoredetails.Minimuminterestchargemayexceedinterestchargebelow,peryourcreditcardagreement.
`TYPEOF
`BALANCESUBJECT
`INTEREST
`BALANCE
`APR
`TOINTERESTRATE
`CHARGE
`Purchases
`28.9900%
`995.14
`24.50
`Additional
`important messages
`Important Reminder:
`If you make a purchase with this credit card using a promotional plan, the
`promotional plan expiration date and payment due date may be different. This means that if you have any
`remaining promotional plan balance after the promotional plan expiration date. the balance and any
`accrued interest (if applicable), will move to your regular revolving plan on the next billing statement.
`(CONTINUED)
`
`---. -- . - .. . . . . - . ....-.--
`
`- -- - ..- - - -- _CESeereversesideforimpoantinformation.
`Pleasetearatperforationabove
`
`n
`
`.
`
`Account
`number
`
`...............................
`****-****-****-5153
`
`O
`
`DentolFirst
`F ?N A N C r N G
`
`Yes,I havemovedorupdatedmy
`e-mailaddress- seereverse.
`
`Ill@"ii"Ililn"IHili@1lnillil'HIn
`l@nilell'Illi
`AUCIATOWNSEND
`6 WINDPL
`WHITESBORONY13492-1018
`
`$1,040 7
`994
`MailedpaymentsmustreachusbySpmET
`Amount on01/20/2021.
`enclosed-
`
`$247.00
`
`Pleasemakecheckpayableto:
`COMENE Dentammnancing
`Pleaseretumthisportionalongwithyourpaymentto:
`PO BOX 659622
`SAN ANTONIO TX 78265-9622
`
`p|l|ignpil|ln|
`
`Inp|nIHF Hlil
`
`'llH'l
`
`Pll"Il
`
`25401018
`
`00005353
`
`5153
`
`O00024700
`
`000104017
`
`4 of 7
`
`

`

`FILED: ONEIDA COUNTY CLERK 05/16/2023 10:40 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EFCA2023-001261
`
`RECEIVED NYSCEF: 05/16/2023
`
`Keepthisportionforyourrecords.
`WhatToDoIf YouThinkYouFindAMistakeOnYourStatement
`Ifyouthinkthereisanenoronyourstatement,writelousabComenity CREDITREPORTING.Wemayrepmtinformationatmutvouraccountto
`cmditbureaus.Iatepayments,missedpayments,orotherdefaultsonyour
`CapitalBankPOflox182620,Columbus,Chio43218-2620.
`accountmayimreflectedInvoincreditleport.
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`maysubmitadirectdispute10ComenityCapitalBankPOHox182120,
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`descrilmwhatyoulolieveiswrongandwhyvonbelieveit isamistake. Columbus.Ohio43218-2120.Yourwrittendisputemustprovidesufficient
`mformationtoidentilytheaccountandspecifywhytheinkarmationis
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`voudowearenottequiredtoinvestigateanypotentialenoisandvonmay
`explainwhyyoubelieveit isinaccurate
`havetopaytheamountinquestion.
`
`" SupportingDocumentation:IIavailable,provideacopyofthesectional
`Whileweinvestigatewhethmornottherehasbeenanerror,thelollowing
`thecreditreportshowingtheaccountinformationyouaredisputing
`aretrue:
`" Wecannottrytocollec1theamountinquestion,onreportyouas
`Wewillinvestigatethedisputediriformationandmpoittheresultstoyou
`
`delinquentonthalamounI.
`within30daysofreceiptoftheinformationneededtorourinvestigation,If
`" Thechargeinquestionmayrernainonyoutstatement,andwemay
`wefindthattheaccountirdermahonwereportedisinaccurale,wewill
`continuetochargeyouinlerestonthalamount.Rut,ifwedeterminethat promptlyprovidethenecessarycormctiontoeachconsumerreporting
`agencytowhichwereportedtheinloimatior
`wemadeamistake,youwillnolhavetopayIheamountinquestionor
`anyintelestorotherfeesrelatedtothatamount.
`PAYMENTSMARKED"PAIDINFULL".Allwrittencommunications
`" WhileyoudonolhaveInpaylheamounIinqueslion,youarelesponsiblemgardingdisputedamounislhalincludeanycheckorolherpayment
`instrumentmarkedwith"paymeritinlull"orsimilarlanguage,musttosent
`lorthemmainderofyourbalance,
`to-6590NorthIoop1604Iast,Suiteh)1,SanAntonio,IX/824/ND1
`" Wecanapplyanyunpaidamountagainstyourcmdillimit.
`00NOTUSF111FI NCIOSFDREMITTANCIFNVFI0PF,
`-WemayacceptpaymentsenttoanyotheraddresswithoutInsinganyo
`YourRightsIf YouAreDissatisfiedWithYourCreditCardPurchases
`Ifyouamdissatislimiwiththegoodsoiseivicesthatyouhavepurchased
`- Nopayrnemshalloperateasanaccordandsatisfactionwithou1prior
`withvourcreditcard,andyouhavetriedingro1taithtocorrectthe
`problemwiththemerchant,voumayhavetherightnottopaytheremainingw n applewal
`amountdueonthepurchase
`CUSTOMERSERVICE.Visitcomenity.net/dentalfirstfinancingorcall
`
`Tousethisright,allofthelollowinemusthetrue:
`1-877-741-0132(TDD/TTY1-888-819-1918).
`1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100
`TELEPHONEMONITORING.Toprovideyouwithhigh-qualityseivice,phone
`milesolyourcurrentmailingaddress,andthepurchaseplicemusthave
`communicationwithusismoriiforedand/orrecorded.
`heerimorethan$fa (Nnte:Neitheroftheseisnecessaryifvourpurchase
`
`waslmsedonanadvertisementwemailedtoyou,oril weownthecompanyADDITIONALINFORMATION.Thelollowingdesignahons,whenappearing
`ontheIrontofyourstatemen1.meanthelollowing:(cid:26)meansvariablerate
`thatstalyouthegoMsorservices.)
`(thisratemayvary);WVINTPAYRQmeansWAlVfINTFRIST,PAYMFNT
`2.Youmuslhaveusedyomcreditcardforthepurchase.Purchasesreade fifOlllRFD;WVINTfQPYmeansW/dVFINITHFST,fQUAlPAYMENT:WV
`withcashadvancesfromanATMorwilbacheckthataccessesyourcredil
`INIIGWPMTmeansWAlVfINilRFSr.I(IWPAYMFNT;DIINfPYRQ
`cardaccountdonotqualify.
`meansDFFFRINTFRFST,PAYMFNTRFQUIRFh;DFFINIfy PYmeans
`DFII RINT[RIST,fQUAlPAYMINI:Ill INFIOWPMTmeansh1FTR
`.LYoumustnotyethavefullypaidlorthepurchase
`INHIlfS[,IAWPAYMINTaridI<IWAPRfQPAYmeansIUWAPR,fQlIAI
`IfyouhaveavariablerateaccounI,yourperiodicratesmayvaiy.
`PAYMFNT.
`ItallofthecuteriaabovememetandvouaiestindissatisfiedwithIhe
`purchase.contactusmwnhngat:ComerulyCapitalHankPARex182020. YoumaypayallofyoulAccountbalancealanytimewithoutpenalty.
`Cohnnbus,Ohio43)18-26)0.
`Sendallinquiriesto:CUSTOMERSERVICE,POBox183003.Columbus.
`
`Whileweinvestigate,thesamerulesapplytothedisputedamounIas
`Ohio43218-3003.
`discussedabove.Afterwefinishourmvestigation,wewilltellyouour
`SendallbankruptcynoticesandrelatedcorrespondencetoComenity
`
`decision.Atthatpoint,il w thinkyouovoanamountandyoudonotpay CapitalBank.BankruptcyDepartment,POBox183043,Columbus.Ohio
`wemaymportyouasdelinquent'
`43218-3043.
`HOWTOAVOIDPAYlNGINTEREST.YourduedateisatIcasi26daysalter SinecesitaayudaenEspanol,contactenosanuestroscentrosdeatencion
`thecloseofeachhillingcycle.Wewillnotchargeyouinterestonpurchases1-877-741-0132(TDD/TTY1-888-819-1918).
`dyoupayyourcrititebalancebytheduedateeachmonth.Wewillloginto
`chargeintems1onnewpurchasesmadeunrieraIow/tPR,IqualPayment NOTICEABOUTELECTRONICCHECKCONVERSION.Whenyouprovidea
`orRudgetPaymentQeditPlanIromthedateofpurchase.
`checkaspayment,youauthorizeuseithertouseinformationfromyour
`checktomakeaone-timeelectronicfundtransfertromyouraccountorto
`processthepaymentasacheckhansaction.Whenweuseinformationfrom
`BALANCECOMPUTATIONMETHOD.Wecalculateinterestseparatelylor
`eachtypeofbalanceonvouraccountusinga"DailyBalance"todetermineyourchecktomakeanelectroniclundhansícr.tundsmaybewithdiawn
`intereslchargeslogeachhillingperiod.Wetiguletheinterestchargeon
`tromvouraccountassoonasIhesamedaywereceiveyourpayment,and
`vouraccountbyapplyingthepenodicratelothe"dailybalance"ofyour
`youwillnotreceiveyourcheckbackfromyourlinancialinstitution.
`accounttoreachdayinthebillingcycle.To2e1the"dailyhalarice"we
`takethetoginningbalanceofyouraccounIeachday,addanynew
`purchasesandfees,andsubtractanymymentsorcredits(treatinganynet
`creditbalanceasafelobalance).Thisgivesusthedailybalance.
`
`PAYMENTS.PayvourAccountbythepaymentduedatebythetimelistedbelow.Itwedonotmeeiveyourpaymentinacorrectfairnat(outlinedbelow)it
`maynolbecreditedtoyourAccountforuptotivedays,ormaytPrejected./\lso.vourpaymentmustreachusbythepaymentcutofftimethatappliesto
`thepaymentmethodyouselect.
`CorrectFormat.CorrectformatImdifferentpaymentmethodsinclude:
`MailingorOvernightSendamrsonalcheck.moneyorder,traveler'scheckorcashier'scheckpayableinU.S.dollas,tothenameandaddressshownon
`irithepaymentstubareacontainingyourbalanceandminimumpaymenIamount.Besuretoincludevourpaymentstub,donotslapleor
`thisStatement
`clipyourpaymentInthestub,includeyouraccountnumberonyoulcheck,usetheenvelopeprovidedwithyourStatement.sendonepaymentwi1hone
`paymentstubanddonotsendanycormspondencewithvourpayment.Youshouldovernightapaymentto½50NorthIcopMA4Ias1,Suite101,San
`Antonio,TX/82d/e81 andIheadditionaltormatrequirementsamthesameasothermailedpaymentsunlessthereisadispoie,inwhichcaseyoulollow
`thePaymentsMarked"PaidInIull"seclionaMve.Donelsendcashorgift certificates.PayByPhone:Youcancallustollfreeat1-8!?-/1I-0132
`(FDIVTlY I 888A191918)tomakeapaymen1bytelephone,whichmayincludeafee,Online:Youcanmakeapaymentonlineat
`comenity.net/dentalfirstfinancing.
`inthepaymentstubamaatthe
`
`PaymentCutoffTimes.Paymentcutolltimes/deadlinesInrusloieceivepaymentsambytheduedateon1hisSlatement
`lollowingtimes:MailingandOvernight:Hy6:00pmFasternlime(FD:PayByPhone:By8:00pm(FT);Online:Hy8:01Ipm(F1).
`Newinformation
`
`Title(optional)
`LastName
`StreetAddress
`Apt.No.
`City
`HomePhone
`EmadAddress
`
`FirstName
`
`.. . ...... Soc.Sec.No
`
`MI
`
`POBox
`
`RR
`State
`
`ZipCode
`WorkPhone
`. ... .............................
`
`ForeignMapCode
`
`5 of 7
`
`

`

`FILED: ONEIDA COUNTY CLERK 05/16/2023 10:40 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EFCA2023-001261
`
`RECEIVED NYSCEF: 05/16/2023
`
`PAGE3OF4
`
`important messages - continued
`Additional
`How to avoid or minimize interest charges: Be sure to pay any promotional plan balance in full on
`or before the plan expiration date shown in the "Details of your plans" section of your statement. Please
`also keep an eye out for notifications of when your promotional plan(s) are nearing their expiratk>n
`date-you'll see them in the red box on page 1 of your statement. If you have questions, please call us
`toll-free at 1-877-741-0132 (TDD/TTY:1-888-819-1918).To learn more about how promotional plans work,
`visit comenity.com/financial-education. We're always happy to help.
`IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a
`bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this
`statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will
`still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089
`(TDD/TTY 1-888-819-1918)and we will find a suitable payment before the end of this month. If written off,
`the bad debt will be reported to the three major credRbureaus and our Recovery team will determine the
`appropriate steps, as permitted and available under applicable law, to protect our interests.
`Affected by COVID-19? Comenity Capital Bank Offers Support
`As the bank that manages your credit card, our hearts go out to those affected by the coronavirus
`(COVID-19) pandemic.
`If you're experiencing financial hardship because of COVID-19.
`The support we're extending to you.
`please call 1-877-741-0132 (TDD/TTY: 1-888-819-1918)to discuss how we may be able to help.
`Account Center is available 24R for you to manage your DentalFirst Financing account
`online. You can make payments and view your balance, transactions and statements online. Not yet
`registered? Visit comenity.net/dentalfirstfinancing, enter your DentalFirst Financingcredit card account
`number and ZIP code, then verify your identity.
`We're looking out for you. We remain focused on the health and well-being of our customers and
`associates, and we'll continue to stay on top of whats happening during the pandemic so we can best
`support you.
`
`Protect yourself against mail and phone consumer fraud.
`http://about.usps.com/publications/pub281/welcome.htm
`
`25401018
`
`O0005354
`
`5153
`
`O00024700
`
`000104017
`
`6 of 7
`
`

`

`FILED: ONEIDA COUNTY CLERK 05/16/2023 10:40 AM
`FILED: ONEIDA COUNTY CLERK 05/16/2023 10:40 2
`
`NYSCEF DOC. NO.
`1
`NYSCEF DOC. NO. 1
`
`
`
`
`
`INDEX NO. EFCA2023-001261
`INDEX NO. EFCA2023-001261
`
`
`
`
`
`RECEIVED NYSCEF: 05/16/2023
`RECEIVED NYSCEF: 05/16/2023
`
`PAGE4 OF 4
`PAGE4OF4
`
`
`
`7 of 7
`7 of 7
`
`
`

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