FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. 000943/2019
`
`RECEIVED NYSCEF: 01/16/2020
`
`Account
`
`Number
`
`5780979572786911
`
`SELLER
`
`Account
`
`Itemization
`
`Original
`
`Creditor
`
`Comenity
`
`Capital
`
`Bank
`
`f/k/a World
`
`Financial
`
`Network
`
`Bank
`
`Borrower's
`
`Full Name
`
`SHERI
`
`RUFFO
`
`Client's
`
`Name
`
`Origination
`
`Date
`
`Last
`
`Payment
`
`Date
`
`Last
`
`Payment
`
`Amount
`
`Charge
`
`Off
`
`Date
`
`Charge
`
`Off
`
`Balance
`
`Total
`at
`time
`
`of Post
`of
`sale
`
`Charge
`
`Off
`
`Interest
`
`Post Charge
`Total
`and Charges
`at
`time
`
`Off
`of
`
`Fees
`sale
`
`Total
`at
`time
`
`Post Charge
`of
`sale
`
`Off
`
`Credits
`
`Post Charge
`Total
`Payments
`at
`time
`
`Off
`of
`sale
`
`Sale Date
`
`Balance
`
`at
`
`time
`
`of Sale
`
`HSN
`
`8/8/2011
`
`6/15/2017
`
`$97
`
`2/3/2018
`
`$1632.15
`
`$0
`
`$0
`
`$0
`
`$0
`
`2/26/2018
`
`$1632.15
`
`1 of 22
`
`

`

`FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. 000943/2019
`
`RECEIVED NYSCEF: 01/16/2020
`
`EXHIBIT
`
`I
`
`NY AFFIDAVIT
`
`AFFIDAVIT
`
`OF FACTS
`
`AND SALE
`(Debt
`
`OF ACCOUNT
`Buyer
`Actions)
`
`BY ORIGINAL
`
`CREDITOR
`
`The
`
`undersigned,
`
`being
`
`duly
`
`sworn,
`
`deposes
`
`and
`
`says:
`
`of Comenity
`Servicing,
`Financial
`f/k/a World
`Creditor"),
`its name
`changed
`Bank
`formally
`to Original
`books
`Creditor's
`to a pool
`of charged-off
`relating
`to Crown
`Asset
`the account
`and
`incorporated
`
`I am an
`1.
`("Original
`Network
`and
`access
`
`records,
`Bank
`included
`hereto
`the
`Account,
`transferred
`of
`
`the
`
`copy
`affidavit.
`
`employee
`
`of
`
`Management,
`("Account")
`As
`herein.
`the
`right
`including
`Records
`certain
`Business
`bill
`sale
`or written
`
`of
`
`an authorized
`Network
`Bank
`to Comenity
`and
`records
`consumer
`LLC.
`("Debt
`Buyer"),
`consurner
`("Consumer")
`of
`the Sale, Original
`from
`proceeds
`to the Account
`of
`the
`Account
`
`servicer
`(on October
`and
`I have
`
`Bank
`Capital
`to Comenity
`Financial
`1, 2012, World
`personal
`knowledge
`electronic
`
`of
`
`Bank),
`("Business
`Records"),
`including
`or assigned
`sold
`accounts
`credit
`by Comenity
`/ms
`which
`(the
`on a/,n,
`"Sale"),
`in the exhibits
`attached
`identified
`Creditor
`assigned
`all
`of
`its
`interest
`the
`to Debt
`and
`Buyer,
`Account,
`A true
`Buyer.
`and
`correct
`to Debt
`exhibit
`as an
`to
`this
`is attached
`
`in
`it
`
`any
`relating
`assignment
`
`the
`part
`to
`
`In my
`2.
`position,
`and maintaining
`of consumer
`of
`business
`Business
`of Original
`affidavit.
`
`credit
`and
`Records
`Creditor's
`
`have
`I also
`its Business
`accounts.
`it was
`the
`were made
`Business
`
`for
`procedures
`of Original
`creating
`assignment
`and
`to the
`sale
`its procedures
`Records,
`relating
`including
`were made
`in the regular
`course
`Records
`Original
`Business
`Creditor's
`The
`such
`business
`to make
`the Business
`Records.
`course
`of
`regular
`Based
`on my
`knowledge
`at or near
`time
`of
`the
`events
`recorded.
`the
`personal
`knowledge
`the
`facts
`set
`forth
`in this
`I have
`
`personal
`
`knowledge
`
`Creditor's
`
`Records,
`
`of
`
`3. Original
`Consumer
`provided
`Consumer
`under
`the
`true
`and
`
`Creditor
`agreed
`pursuant
`are
`set
`terms
`of
`correct
`
`to
`
`("Agreement").
`agreement
`card
`a credit
`parties
`were
`Consumer
`and
`purchased
`cash
`advances
`and
`services
`for
`all
`Creditor
`to pay Original
`goods,
`if any, made
`last
`the
`amount
`date
`and the
`of
`The
`to the Agreement.
`payment,
`Consumer
`defaulted
`hereof.
`attached
`hereto
`and made
`a part
`forth
`in an exhibit
`was made
`by Original
`Creditor.
`and
`a demand
`for
`payment
`the Agreement
`as an exhibit
`to this
`affidavit.
`of
`the Agreement
`is attached
`
`copy
`
`or
`
`by
`
`A
`
`procedures
`Creditor's
`of Original
`of Original
`practice
`the
`regular
`is
`Creditor
`Original
`customers.
`to Consumer
`on the
`Account
`and made
`hereof.
`hereto
`a part
`and Original
`Creditor's
`address
`office
`or
`that
`post
`generated
`
`for
`
`generating
`Creditor's
`sent
`
`and mailing
`business
`one
`or more
`and
`for
`the
`amount(s)
`date(s)
`were
`The
`account
`statement(s)
`reflect
`Business
`Records
`do not
`to them.
`the Consumer
`objected
`by Original
`Creditor
`and mailed
`
`to
`
`account
`provide
`account
`
`A
`is
`
`its
`
`I have
`4.
`statements
`periodic
`statements
`due
`set
`mailed
`the
`that
`and
`true
`attached
`
`personal
`to
`account
`
`It
`
`statement(s)
`correct
`copy
`as an exhibit
`
`knowledge
`customers.
`to
`statements
`to the Consumer's
`relating
`in an exhibit
`attached
`forth
`known
`to Consumer's
`last
`were
`returned
`by
`of
`the
`last
`account
`to this
`affidavit.
`
`the
`
`statement(s)
`
`2 of 22
`
`

`

`FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. 000943/2019
`
`RECEIVED NYSCEF: 01/16/2020
`
`time
`the
`a part
`
`5. At
`made
`Account
`
`Consumer
`of Sale,
`also
`which
`hereof,
`date
`and
`the
`number;
`if any;
`total
`the
`amounts,
`payment,
`of
`by or on behalf
`the Consumer;
`are true
`and
`correct
`to the
`best
`
`the
`owed
`the
`set
`forth
`the
`of
`amount
`if applicable,
`and
`the balance
`of my personal
`
`set
`of
`
`amount
`name
`charge-off
`of any
`due
`at
`knowledge.
`
`and
`hereto
`attached
`exhibits
`in the
`forth
`the
`of
`digits
`four
`last
`the
`the Consumer;
`last
`the
`of
`and
`amount
`date
`the
`balance;
`made
`or payments
`credits
`post
`charge-off
`statements
`The
`of
`the Sale.
`above
`the time
`
`6.
`
`Further,
`
`Affiant
`
`sayeth
`
`naught.
`
`COMENITY
`
`CAPITAL
`
`BANK
`
`Authorized
`
`Agent
`
`T
`
`or
`
`goin
`
`stru
`
`entwä
`
`c
`
`1õW
`
`dged
`
`before
`
`me this
`
`ay of
`
`,
`
`d Agent
`
`of Comenity
`
`Servicing
`
`LLC,
`
`and
`
`auth
`
`agen
`
`o
`
`omen
`
`on behalf
`
`of
`
`sÈ
`
`Bank.
`
`.
`
`.
`
`PUBLIC
`NOTARY
`E OF OHIO
`STAt
`Ex p i r e s
`Comm.
`23
`0 4-2 4-20
`
`Notary
`
`Public
`
`Reg. No.
`
`County
`
`of Franklin
`
`3 of 22
`
`

`

`FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. 000943/2019
`
`RECEIVED NYSCEF: 01/16/2020
`
`CERTIFICATE
`
`H
`EXHIBIT
`OF CONFORMITY
`
`OF Ohio
`STATE
`COUNTY OF Franklin
`
`pursuant
`to make this certificate
`of conformity
`duly qualified
`that she is a person
`does hereby
`The undersigned
`certify
`by Heather
`that
`acknowledgment
`the foregoing
`Law of
`the State of New York;
`to Section
`299a of
`the Real Freperty
`By Original
`before Kaitlyn
`a
`in the foregoing
`Affidavit
`of Sale of Account
`Creditor
`taken
`Morgan
`named
`Hartson,
`by such laws of
`the State of Ohio, being the State in
`in the State of Ohio, was taken in the manner
`prescribed
`such laws and is in all
`in such state.
`conforms
`with
`respects
`valid
`and effective
`it was taken;
`and that
`it duly
`
`notary
`which
`
`Date
`
`at Law
`L Keck
`: Attorney
`Heather
`to practice
`in the State of Ohio
`Admitted
`No: 0071364
`Registration
`Ohio Attorney
`
`4 of 22
`
`

`

`FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`
`INDEX NO. 000943/2019
`
`RECEIVED NYSCEF: 01/16/2020
`
`EXHIBIT
`
`A
`
`BILL
`
`OF SALE
`
`to the terms
`for value
`and pursuant
`received
`Bank
`Capital
`("Seller"),
`Comenity
`21, 2017
`Agreement
`between
`Seller
`dated
`June
`Purchase
`Card Account
`Credit
`assigns
`and
`("Credit
`Card
`its
`successors
`Management
`("Purchaser"),
`the File Creation
`effective
`as of
`Date
`of February
`assigns
`hereby
`certain
`in and
`to those
`of Seller
`judgments
`interest
`receivables,
`in Exhibit
`hereto
`1 attached
`and made
`hereof
`for all purposes.
`part
`
`Agreement"),
`and
`title
`described
`
`of
`and conditions
`Asset
`and Crown
`Purchase
`Account
`26, 2018
`all
`or evidences
`
`rights,
`of debt
`
`Redacted
`
`By CAM
`
`Amounts
`be received
`follows:
`
`due to Seller
`by Seller
`
`by Purchaser
`on (the
`"Closing
`
`in hereunder
`
`shall
`
`Date")
`
`February
`
`be paid U.S. Dollars
`28, 2018
`by 5:00
`
`by a wire
`p.m.
`Seller's
`
`transfer
`time,
`
`to
`as
`
`COMENITY
`
`CAPITAL
`
`BANK
`
`Redacted
`
`By CAM
`
`recourse
`without
`is an Exhibit.
`or
`implied.
`
`except
`other
`No
`
`in the Credit
`as stated
`representation
`of
`
`Card Account
`or warranty
`
`Purchase
`title
`
`or
`
`of
`
`This Bill
`Agreement
`
`enforceability
`
`of Sale is executed
`to which
`this
`is expressed
`
`COME
`
`ITY CAPI
`
`AL BANK
`
`CROWN ASSET MANA
`
`MENT,
`
`LLC
`
`By:
`
`Date:
`
`.
`
`• 4 - \
`
`Title:
`
`(4
`
`t d f,At
`
`By:
`
`Date:
`
`Title
`
`CAM0240CCBBOS.pdf1
`
`1
`CAM0240_CCB_COT_RDCTD.pdf
`
`5 of 22
`
`4/10/20184:14:14PM
`
`4/10/20184:14:52PM
`
`

`

`INDEX NO. 000943/2019
`FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 01/16/2020
`
`..............................................................................................................................................................................................................
`PAGE1 OF 2
`
`of arm
`
`Stsmmary
`Account no.
`
`nt activity
`5780-9795-7278-6911
`
`be!ence
`
`Pevúa
`Pâymants
`Other credits
`Purchases
`Other debits
`Fees charged
`Me-cr+ chârgéd
`New balance
`Past due winunt
`Credit
`limit
`Available credit
`Statement c!csing date
`Days in billing cycle
`
`$1,560.90
`0.00
`0.00
`0.00
`0.00
`37.00
`34.25
`$1,632.15
`465.00
`$0.00
`$0.00
`02iü3i20i8
`28
`
`P.
`New balance
`M
`nayment due
`F
`ent due date
`
`$1,632.15
`$547.00
`03/01/2018
`
`Late payrnent warning:
`If we do not rece!ve your . ±r
`pâyriieni by 03/01/2018 you may
`have to pay up to a $37.00 late fee.
`....................................................................................................................
`gi..'-"=
`payment wains;ng:
`If you make only the minimum
`for each period, you will pay more in !nterest and it will take
`payms-.t
`you longer to pay off your ualaiiues. For exemp!e:
`If you make no add:t!:nal
`You will pay off
`charges using this card
`the balance shown
`and each month you pay:
`on the statement
`in about:
`Only the -
`-- payment
`6 years
`For !n½^"-n
`credit ade!!
`rec=±g
`call 1-800-284-1706.
`
`And you will
`end up paying an
`estimated total
`of:
`$2804
`
`·g services,
`
`our
`of
`transactions
`Details
`'WW'¤TION/LOCATION
`TwimmION
`TRANS DATE
`..........................................................................................................................................................................................................
`Fees
`02/01/2018
`
`LATE FEE
`this period
`Total
`fees charged for
`..........................................................................................................................................................................................................
`Interest
`charged
`
`!nterest charge on purchases
`Total
`interest
`for
`this period
`
`to date
`2018 totals year
`Total
`fees chârgéd in 2018
`Total
`interect chârged in 2018
`
`$74.00
`$70.17
`
`AiiiOuiiT
`
`37.00
`$37.00
`
`$34.25
`$34.25
`
`cafr•rtheiert
`Interest
`charge
`Your Annual Perce-:tâgs Rate (APR)
`on page 2 for more details.
`TYPEOF
`BALANCE
`Purchases
`
`is the annual
`
`!-
`
`st rate on your &cce=i. See BALANCE COMPUTATION METHOD
`
`APR
`28.2400% (v)
`
`BALANCESUBJECT
`TO iiiTEñ-dT RATE
`1,581.28
`
`iiiTEñ-dT
`CHARGE
`34.25
`
`NOTICE:Seereversesklefor importarity -:-
`
`Pleasetearaipe;‡~:+!oriabove
`
`Its funhere.
`
`Account
`number
`New balance
`$1,632.15
`99 4
`
`5780-9795-7278-6911
`Minimum payment
`$547.00
`
`I have moved or Updated my
`Yes,
`e-mail ad±ass - see reverse.
`
`Amrznt enclosed:
`
`Payment must reach s by
`6 pm ET on OS0.........
`
`111..111111..g...gs...
`
`SHERI RUFFO
`209 CONKLIN AVE
`SYRACUSE NY 13206-2523
`
`$
`
`Please make check payable to:
`COMENITY - HSN
`
`Please return this portion along with your nayment to:
`PO BOX 659707
`SAN ANTONIO
`
`TX 78265-9707
`
`III.
`
`il!H
`
`HI
`
`||
`
`'|:!i
`
`il
`
`P li
`
`ii|
`
`13801003
`
`00014375
`
`5780979572786911
`
`000054700
`
`000163215
`
`6 of 22
`
`

`

`INDEX NO. 000943/2019
`FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 01/16/2020
`
`Keepthis portionfor yourrecords'
`CREDITREPORTING.Wemayreportinformationaboutyouraccountto
`credit bureaus.Latepayments,missedpayments,or otherdefaultsonyour
`WhatToDoIf YouThink YouFindA MistakeOn YourStatement
`accountmaybe reflectedin yourcredit report.
`If youthink there is an erroronyourstatement,write to usat: Comenity
`CapitalBankPOBox182620,Columbus,Ohio43218-2620.
`NOTICEOFCREDITREPORTDISPUTES
`If you believethe accountinformationwereportedto a consumerreporting
`In your letter,give usthe following informetien:
`• Accountinformation:Yournameandaccountnumber.
`agencyis inaccumte,you maysubmita direct disputeto ComenityCapital
`• Dollaramount:Thedollar amountof the 3ü3pectederror.
`BankPOBox182120,Columbus,Ohio43218-2120. Yourwritten dispute
`• Descriptionof Problem:If youthink there is an erroronyourbill,
`mustprovidesufficient informationto identifythe accountandspecifywhy
`the informationis inaccurate:
`describewhatyou believeis wrongandwhyyou believeit is a mistake.
`• AccountInformation:Yournameandaccountnumber
`• ContactInformation:Youraddressandte|õphonenumber
`Youmustcontact uswithin 60 daysafter the errorappearedonyour
`statement.
`. DisputedInformation:Identifythe accountinformationdisputedand
`explainwhyyou believeit is inaccurate
`Youmustnotify usof anypotentialerrorsin writing.Youmaycall us, but if
`• SupportingDocumentation:If available,providea copyof the sectionof
`youdo wearenot requiredto investigateanypotentb! errorsandyou may
`the credit reportshowingthe accountinformationyouaredisputing
`haveto paythe amountin question.
`Whilewe investigatewhetheror not therehasbeenan error,the fc!!cvdng
`Wewill investigatethe disputedinformationand reportthe resultsto you
`aretrue:
`within 30 daysof receiptof the informationneededfor our investigation.If
`• Wecannottry to collect the amountin question,or reportyouas
`wefind that the account!nfermat!rnwereportedis inaccurate,wewill
`promptlyprovidethe necessarycorrectionto eachcan3ümerreporting
`de|inqüõnton that amount.
`• Thechargein questionmayremainonyourstatement,andwemay
`agencyto whichwereportedthe information.
`continueto chargeyou intereston that amount.But, if wedeterm!nethat
`PAYMtigia MARKED"PAIDIN FULL". AII written cemi=ications
`wemadea mistake,youwill not haveto paythe amountin questionor
`regardingdisputedamountsthat includeanycheckor otherpayment
`instrumentmarkedwith "paymentin full" or similar language,mustbesent
`any interestor otherfeesrelatedto that amount.
`• Whileyoudo not haveto paythe amountin question,youareresponsible
`to: 6550 NorthLoop1604 East,Suite 101, SanAntonio,TX78247-5004.
`DONOTUSETHEENCLOSEDREMITTANCEENVELOPE.
`for the remainderof yourbalance.
`• Wecan applyanyunpaidamountagainstyourcredit limit·
`- Wemayacceptpaymentsentto anyotheraddresswithout losinganyof
`our rights.
`YourRightsIf YouAreDissatisfiedWithYourCreditCardPurchases
`- Nopaymentshall operateasan accordandsatisfactionwithout prior
`If youaredissatisfiedwith the goodsor servicesthat you havepurchased
`written approval.
`with yourcredit card,andyou havetried in goodfaith to correctthe
`|n|ng CUSTOMERSERVICE.Visit www.comenity.net/hsnor call 1-888-724-6649
`problemwith the merchant,you mayhavethe right not to paythe
`(TDD/TTY1-888-819-1918).
`amountdueon the purchase.
`TELEPHONEMONITORING.To provideyouwith high-qualityservice,
`To usethis right, all of the followingmustbetrue:
`phonecommunicationwith us is monitoredand/orrecorded.
`1. Thepurchasemusthavebeenmadein yourhomestateor within 100
`ADDITIONALINFORMATION.Thefe!!ewingder!grat!cnt, whenappearing
`milesof yourcurrentmailingaddress,andthe purchesaprice musthave
`on the front of yourstatement,meanthe following:V meansvariablerate
`beenmorethan $50. (Note:Neitherof theseis necessaryif yourpurchase
`(this ratemayvary);WVINT PAYRQmeansWAlVEINTEREST,PAYMENT
`wasbasedon an adve±scmentwemailedto you,or if weownthe company
`REQUIRED;WVINT EQPYmeansWAIVEINTEREST,EQUALPAYMENT;WV
`that soldyouthe goodsor services.)
`INT LOWPMTmeansWAlVEINTEREST,LOWPAYMENT;DFINT PYRQ
`2. Youmusthaveusedyourcredit cardfor the purchase.Purchasesmade
`meansDEFERINTEREST,PAYMENTREQUIRED;DEFINT EQPYmeans
`with cashadvancesfroman ATMor with a checkthat accessesyourcredit
`DEFERINTEREST,EQUALPAYMENT;DFINT LOWPMTmeansDEFER
`cardaccountdo not qualify.
`INTEREST,LOWPAYMENTand LOWAPREQPAYmeansLOWAPR,EQUAL
`PAYMENT.If you havea variablerateaccount,yourperiodicratesmayvary.
`3. Youmustnotyet havefully paidfor the purchase.
`Youmaypayall of yourAccountbalanceat anytime without penalty.
`If all of the criteria abovearemetandyouarestill dissatisfiedwith the
`.
`. .
`Sendall mq=c:
`to: CUSTOMERSERVICE,POBox183003,Columbus,
`purchase,contact us in writingat: ComenityCapitalBankPOBox182620,
`Ohio43218-3003.
`Columbus,Ohio43218-2620.
`Sendall bankruptcynoticesand relatedcorrespondenceto Comenity
`Whilewe investigate,the samerulesapplyto the disputedamountas
`CapitalBank,BankruptcyDepartment,POBox183043,Columbus,Ohio
`discü336dabove.Afterwefinish our investigation,wewill tell youour
`43218-3043.
`decision.At that point, if wethink youowean amountandyoudo not pay
`wemayreportyouasdelinquent.
`NOTICEABOUTELECTRONICCHECKCONVERSION.Whenyou providea
`checkas payment,youa therizeuseither to useinformationfromyour
`HOWTOAVOIDPAYINGINTEREST.Yourduedate is at least25 daysafter
`processthe paymentasa checktransaction.Whenweusem en from
`the closeof eachbilling cycle.Wewill not chargeyou intereston purchases checkto makea one-timee!ectren!cfund transferfromyouraccountor to
`if you payyourentire balancebythe duedateeachmonth.Wewill beginto
`yourcheckto makean electronicfund transfer,fundsmaybewithdrawn
`chargeintereston newpurchasesmadeundera LowAPR,EqualPayment
`fromyouraccountassoonasthe samedaywereceiveyourpayment,and
`or BudgetPaymentCreditPlanfromthe dateof purchase.
`youwill not receiveyourcheckbackfromyourfinancial institution.
`BALANCECOMPUTATIONMETHOD.Wecalculate interestseparatelyfor
`eachtypeof balanceonyouraccountusinga "Daily Balance"to determine
`interestchargesfor eachbilling period.Wefigure the interestchargeon
`youraccountbyapplyingthe periodicrateto the "daily balance"of your
`accountfor eachday in the billing cycle.Toget the "daily balance"we
`takethe beginningbalanceof youraccounteachday,addanynew
`purchasesandfees,andsubtractanypaymentsor credits (treatinganynet
`credit balanceasa zerobalance).Thisgivesusthe daily balance.
`
`PAYMENTS.PayyourAccountbythe paymentduedate bythe time listed below.If wedo not receiveyourpaymentin a correctformat(outlinedbelow)it
`maynot becreditedto yourAccountfor up to five days,or maybe rejected.Also,yourpaymentmustreachus bythe paymentcutoff time that appliesto
`the paymentmethodyouselect.
`CorrectFormat.Correctformatfor different paymentmethodsinclude:
`Mailing or Overnight:Senda personalcheck,moneyorder,traveler'scheckor cashier'scheckpayablein U.S.dollars,to the nameandaddressshownon
`this Statementin the paymentstubareacontainingyourbalanceand m|n|s-
`paymentamount.Besureto includeyourpaymentstub,do not stapleor
`clip yourpaymentto the stub, includeyouraccountnumberonyourcheck,usethe âñva|üpeprovidedwith yourStãtement,sendonepaymentwith one
`paymentstubanddo not sendanycorrespondencewith yourpayment.Youshouldovernighta paymentto 6550 NorthLoop1604 East,Suite 101, San
`Antonio,TX78247-5004 andthe additiona|formatrequirementsarethe sameasothermailedpaymentsunlessthere is a dispute,in whichcaseyoufollow
`the PaymentsMarked"Paid In Full" sectionabove.Donot sendcashor gift certificates. PayBy Phone:Youcan call ustoll freeat 1-888-724-6649
`(TDD/TTY1-888-819-1918)to makea paymentbyte!ephone,which mayincludea fee. Online:Youcan makea paymentonline at www.comenitynet/hsn.
`PaymentCutoffTimes.Paymentcutoff times/dcadlinesfor usto receivepaymcatcarebythe duedateon this Statementin the paymentstubareaat the
`followingtimes: Mailingand Overnight:By6:00 pm EasternTime(ET);PayBy Phone:By8:00 pm (ET);Online:By8:00 pm (ET).
`New Information
`
`Title (optional)
`Last Name
`Street Address
`Apt. No.
`
`City
`Home Phone
`Email Address
`
`First Name
`
`RR
`State
`
`MI
`
`Soc. Sec. No.
`
`PO Box
`
`Foreign Map Code
`
`Zip Code
`Work Phone
`
`7 of 22
`
`

`

`INDEX NO. 000943/2019
`FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 01/16/2020
`
`here®
`
`Its
`
`fun
`
`It's HSN's 40th Biithdciy
`with
`and we're
`celebrating
`and
`savings
`of Fun! Don't miss surprise
`Days
`deals,
`you'H receive Mah"
`use your
`starts
`June
`221 Plus, when
`The party
`you
`more!
`HSN card
`on aH Bea4
`purchases
`and
`as an HSN VIP! To see
`Fashion,
`Jews|ry
`"40 Days"
`new now through
`July 31st search
`at
`what's
`HSN.com!
`
`40
`
`**lf an item qualifiesfor VIPFinancing,it will not be eligible for ExtraFlex.
`
`..............................................................................................................................................................................................................
`PAGE1 OF 4
`
`• . . hn
`
`Selmimrry
`Account no.
`
`of account
`activity
`5780-9795-7278-6911
`
`balance
`
`F±!er
`PsymWs
`Other credits
`Purchases
`Other debits
`Fees charged
`interest chârgâd
`New balance
`Past due emount
`Credit
`limit
`b!e credit
`At=fement closing date
`Days in billing cycle
`
`$1,037.72
`-97.00
`-148.70
`205.92
`0.00
`0.00
`24.15
`$1,022.09
`0.00
`$1,770.00
`$747.91
`07/06/2017
`31
`
`New balance
`Minimum payment due
`Payment due date
`
`Late payment warning:
`
`$1 n99.n9
`$51.00
`08/01/2017
`
`If we do not receive your ÷¬ n=umad by 08/01/2017 you may
`
`have to pay up to a $37.00 late fee.
`....................................................................................................................
`Minimum payment wandng:
`If you make only the m!n!mum
`for each period, you will pay more in intemi
`and it will take
`payment
`you longer to pay off your be!ences. For example:
`If you make no additional
`You will pay off
`charges using this card
`the balance shown
`and each month you pay:
`on the statement
`in about:
`Only the =Mrr
`4 years
`payment
`For inicimEtien regerding credit caüneling
`call 1-800-284-1706.
`
`And you will
`end up paying an
`estimated total
`of:
`$1619
`
`services,
`
`Account Questions? Need to make a payment? Want to know how to go paperless?
`(TDD/TTY 1-888-819-1918).
`Visit cóñiéñity.net/HSN or call 1-888-724-6649
`Want to stay in the know with credit
`and news? Visit us at facebook.com/askcomenity
`or at twitter.com/askcomenity.
`
`tips
`
`www.hsn.com
`
`What a Gem! The
`rare
`ruby
`statsment-mak|ñg
`both July bir'hdays
`and
`celebrates
`40th aññ|vérsarias
`it this
`iiiakiiig
`month's most wanted
`gêmstane.
`first Burmese
`Don't miss our
`Today's
`Special
`on July
`Ruby
`28th!
`Plus, as an HSN cardhóider
`the special
`perks of
`enjoy
`ExtraFlex**
`on all of your HSN
`
`Jewelry
`
`buys!
`
`about
`to c
`
`FlexPay?
`Güé:i;·_é
`aiiswers
`FlexPay
`exa
`links and
`5,
`p
`questions,
`in one convenient
`place!
`more
`Check
`out
`the FlexPay
`center
`on account
`website
`https://coment/.ñê'.'hsP/flexpay
`for details!
`
`Find
`
`at
`
`Faith Over Fear
`P siii|ér|ñg
`Raiiciu!
`by Giüilâña
`Prêsasted
`from the
`Savannah
`Chrisley
`TV show Chrisley
`Knows Best,
`an exclusive
`feeh!on
`laüiiciles
`Gn!!êGtion filled with casual,
`chic
`for every
`styles
`and trend-warthy
`age. And remember
`to use your
`to get ExtraFlex**
`HSN card
`on all Fashion
`purchases
`HSN VIP! Start
`chopping
`new ce!!ection
`on July
`
`as an
`the
`27th!
`
`of your
`Details
`TRANS DATE
`
`transactions
`TRANSACTIONDESCP.!DT!0N/LOCATION
`
`06/15/2017
`06i2012017
`06/20/2017
`06/20/2017
`06/22/2017
`06/22/2017
`06/23/20 i7
`06/25/2017
`06/26/2017
`06/26/2017
`
`PAYMENT-THANK YOU
`HSN PURCHASE - HSN WEB ORDER - VC EYELET EMBR HI LO PYMT 02 OF 04
`HSN PURCHASE - HSN WEB ORDER - LUCKY EMBROiDERED BI PYMT 02 OF 02
`HSN PURCHASE - HSN WEB ORDER - BIRKERNSTOCK MAYARI PYMT 02 OF 04
`HSN PURCHASE - HSN WEB ORDER - ITALAIN SHGEiviAKER TR PYMT 01 OF 03
`HSN PURCHASE - HSN WEB ORDER - RS SEAMLESS DIAMOND PYMT 01 OF 04
`HSN PURCHASE - HSN WEB ORDER - LW TE NYLON CROSSBOD PYMT 01 OF 04
`HSN PURCHASE - HSN WEB ORDER - PNASH MOSCAVA DBLZIP PYMT 01 OF 05
`HSN RETURN - HSN WEB ORDen - LUCKY EMBROIDERED BI PYMT 02 OF 02
`HSN RETURN - HSN WEB ORDER - BIRKERNSTOCK MAYARI PYMT 01 OF 04
`
`AMOUNT
`
`-97.00
`24.75
`24.95
`23.73
`19.74
`15.75
`35.70
`61.30
`-24.95
`-19.61
`(CONTINUED)
`
`NOTICE:Seereversesidefor importantinformation.
`Pleasetearatperforationabove
`
`it's funhere.
`
`Account
`number
`New balance
`$1,022.09
`99 3
`
`5780-9795-7278-6911
`M|ñ|mumpayment
`$51.00
`
`I have moved or updated my
`Yes,
`e-mail address - see reverse.
`
`.,==t
`
`encioned:
`
`Payment must reach us by
`6 pm ET on 08/01.....7.
`
`.gg, gg.gglin g
`
`in..s uinsi
`
`i
`
`i•••••
`
`SHERI RUFFO
`209 CONKLIN AVE
`SYRACUSE NY 13206-2523
`
`$
`
`Please make check payable to:
`COMENITY - HSN
`
`Please return this portion along with your payment to:
`PO BOX 659707
`SAN ANTONIO
`
`TX 78265-9707
`
`13801003
`
`00092965
`
`5780979572786911
`
`000005100
`
`000102209
`
`8 of 22
`
`

`

`INDEX NO. 000943/2019
`FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 01/16/2020
`
`Keepthis portionfor yourrecords'
`CREDITREPORTING.Wemayreportinformationaboutyouraccountto
`credit bureaus.Latepayments,missedpayments,or otherdefaultsonyour
`WhatToDoIf YouThink YouFindA MistakeOn YourStatement
`accountmaybe reflectedin yourcredit report.
`If youthink there is an erroronyourstatement,write to usat: Comenity
`CapitalBankPOBox182620,Columbus,Ohio43218-2620.
`NOTICEOFCREDITREPORTDISPUTES
`If you believethe accountinformationwereportedto a consumerreporting
`In your letter,give usthe following informetien:
`• Accountinformation:Yournameandaccountnumber.
`agencyis inaccumte,you maysubmita direct disputeto ComenityCapital
`• Dollaramount:Thedollar amountof the 3ü3pectederror.
`BankPOBox182120,Columbus,Ohio43218-2120. Yourwritten dispute
`• Descriptionof Problem:If youthink there is an erroronyourbill,
`mustprovidesufficient informationto identifythe accountandspecifywhy
`the informationis inaccurate:
`describewhatyou believeis wrongandwhyyou believeit is a mistake.
`• AccountInformation:Yournameandaccountnumber
`• ContactInformation:Youraddressandte|õphonenumber
`Youmustcontact uswithin 60 daysafter the errorappearedonyour
`statement.
`. DisputedInformation:Identifythe accountinformationdisputedand
`explainwhyyou believeit is inaccurate
`Youmustnotify usof anypotentialerrorsin writing.Youmaycall us, but if
`• SupportingDocumentation:If available,providea copyof the sectionof
`youdo wearenot requiredto investigateanypotentb! errorsandyou may
`the credit reportshowingthe accountinformationyouaredisputing
`haveto paythe amountin question.
`Whilewe investigatewhetheror not therehasbeenan error,the fc!!cvdng
`Wewill investigatethe disputedinformationand reportthe resultsto you
`aretrue:
`within 30 daysof receiptof the informationneededfor our investigation.If
`• Wecannottry to collect the amountin question,or reportyouas
`wefind that the account!nfermat!rnwereportedis inaccurate,wewill
`promptlyprovidethe necessarycorrectionto eachcan3ümerreporting
`de|inqüõnton that amount.
`• Thechargein questionmayremainonyourstatement,andwemay
`agencyto whichwereportedthe information.
`continueto chargeyou intereston that amount.But, if wedeterm!nethat
`PAYMtigia MARKED"PAIDIN FULL". AII written cemi=ications
`wemadea mistake,youwill not haveto paythe amountin questionor
`regardingdisputedamountsthat includeanycheckor otherpayment
`instrumentmarkedwith "paymentin full" or similar language,mustbesent
`any interestor otherfeesrelatedto that amount.
`• Whileyoudo not haveto paythe amountin question,youareresponsible
`to: 6550 NorthLoop1604 East,Suite 101, SanAntonio,TX78247-5004.
`DONOTUSETHEENCLOSEDREMITTANCEENVELOPE.
`for the remainderof yourbalance.
`• Wecan applyanyunpaidamountagainstyourcredit limit·
`- Wemayacceptpaymentsentto anyotheraddresswithout losinganyof
`our rights.
`YourRightsIf YouAreDissatisfiedWithYourCreditCardPurchases
`- Nopaymentshall operateasan accordandsatisfactionwithout prior
`If youaredissatisfiedwith the goodsor servicesthat you havepurchased
`written approval.
`with yourcredit card,andyou havetried in goodfaith to correctthe
`|n|ng CUSTOMERSERVICE.Visit www.comenity.net/hsnor call 1-888-724-6649
`problemwith the merchant,you mayhavethe right not to paythe
`(TDD/TTY1-888-819-1918).
`amountdueon the purchase.
`TELEPHONEMONITORING.To provideyouwith high-qualityservice,
`To usethis right, all of the followingmustbetrue:
`phonecommunicationwith us is monitoredand/orrecorded.
`1. Thepurchasemusthavebeenmadein yourhomestateor within 100
`ADDITIONALINFORMATION.Thefe!!ewingder!grat!cnt, whenappearing
`milesof yourcurrentmailingaddress,andthe purchesaprice musthave
`on the front of yourstatement,meanthe following:V meansvariablerate
`beenmorethan $50. (Note:Neitherof theseis necessaryif yourpurchase
`(this ratemayvary);WVINT PAYRQmeansWAlVEINTEREST,PAYMENT
`wasbasedon an adve±scmentwemailedto you,or if weownthe company
`REQUIRED;WVINT EQPYmeansWAIVEINTEREST,EQUALPAYMENT;WV
`that soldyouthe goodsor services.)
`INT LOWPMTmeansWAlVEINTEREST,LOWPAYMENT;DFINT PYRQ
`2. Youmusthaveusedyourcredit cardfor the purchase.Purchasesmade
`meansDEFERINTEREST,PAYMENTREQUIRED;DEFINT EQPYmeans
`with cashadvancesfroman ATMor with a checkthat accessesyourcredit
`DEFERINTEREST,EQUALPAYMENT;DFINT LOWPMTmeansDEFER
`cardaccountdo not qualify.
`INTEREST,LOWPAYMENTand LOWAPREQPAYmeansLOWAPR,EQUAL
`PAYMENT.If you havea variablerateaccount,yourperiodicratesmayvary.
`3. Youmustnotyet havefully paidfor the purchase.
`Youmaypayall of yourAccountbalanceat anytime without penalty.
`If all of the criteria abovearemetandyouarestill dissatisfiedwith the
`.
`. .
`Sendall mq=c:
`to: CUSTOMERSERVICE,POBox183003,Columbus,
`purchase,contact us in writingat: ComenityCapitalBankPOBox182620,
`Ohio43218-3003.
`Columbus,Ohio43218-2620.
`Sendall bankruptcynoticesand relatedcorrespondenceto Comenity
`Whilewe investigate,the samerulesapplyto the disputedamountas
`CapitalBank,BankruptcyDepartment,POBox183043,Columbus,Ohio
`discü336dabove.Afterwefinish our investigation,wewill tell youour
`43218-3043.
`decision.At that point, if wethink youowean amountandyoudo not pay
`wemayreportyouasdelinquent.
`NOTICEABOUTELECTRONICCHECKCONVERSION.Whenyou providea
`checkas payment,youa therizeuseither to useinformationfromyour
`HOWTOAVOIDPAYINGINTEREST.Yourduedate is at least25 daysafter
`processthe paymentasa checktransaction.Whenweusem en from
`the closeof eachbilling cycle.Wewill not chargeyou intereston purchases checkto makea one-timee!ectren!cfund transferfromyouraccountor to
`if you payyourentire balancebythe duedateeachmonth.Wewill beginto
`yourcheckto makean electronicfund transfer,fundsmaybewithdrawn
`chargeintereston newpurchasesmadeundera LowAPR,EqualPayment
`fromyouraccountassoonasthe samedaywereceiveyourpayment,and
`or BudgetPaymentCreditPlanfromthe dateof purchase.
`youwill not receiveyourcheckbackfromyourfinancial institution.
`BALANCECOMPUTATIONMETHOD.Wecalculate interestseparatelyfor
`eachtypeof balanceonyouraccountusinga "Daily Balance"to determine
`interestchargesfor eachbilling period.Wefigure the interestchargeon
`youraccountbyapplyingthe periodicrateto the "daily balance"of your
`accountfor eachday in the billing cycle.Toget the "daily balance"we
`takethe beginningbalanceof youraccounteachday,addanynew
`purchasesandfees,andsubtractanypaymentsor credits (treatinganynet
`credit balanceasa zerobalance).Thisgivesusthe daily balance.
`
`PAYMENTS.PayyourAccountbythe paymentduedate bythe time listed below.If wedo not receiveyourpaymentin a correctformat(outlinedbelow)it
`maynot becreditedto yourAccountfor up to five days,or maybe rejected.Also,yourpaymentmustreachus bythe paymentcutoff time that appliesto
`the paymentmethodyouselect.
`CorrectFormat.Correctformatfor different paymentmethodsinclude:
`Mailing or Overnight:Senda personalcheck,moneyorder,traveler'scheckor cashier'scheckpayablein U.S.dollars,to the nameandaddressshownon
`this Statementin the paymentstubareacontainingyourbalanceand m|n|s-
`paymentamount.Besureto includeyourpaymentstub,do not stapleor
`clip yourpaymentto the stub, includeyouraccountnumberonyourcheck,usethe âñva|üpeprovidedwith yourStãtement,sendonepaymentwith one
`paymentstubanddo not sendanycorrespondencewith yourpayment.Youshouldovernighta paymentto 6550 NorthLoop1604 East,Suite 101, San
`Antonio,TX78247-5004 andthe additiona|formatrequirementsarethe sameasothermailedpaymentsunlessthere is a dispute,in whichcaseyoufollow
`the PaymentsMarked"Paid In Full" sectionabove.Donot sendcashor gift certificates. PayBy Phone:Youcan call ustoll freeat 1-888-724-6649
`(TDD/TTY1-888-819-1918)to makea paymentbyte!ephone,which mayincludea fee. Online:Youcan makea paymentonline at www.comenitynet/hsn.
`PaymentCutoffTimes.Paymentcutoff times/dcadlinesfor usto receivepaymcatcarebythe duedateon this Statementin the paymentstubareaat the
`followingtimes: Mailingand Overnight:By6:00 pm EasternTime(ET);PayBy Phone:By8:00 pm (ET);Online:By8:00 pm (ET).
`New Information
`
`Title (optional)
`Last Name
`Street Address
`Apt. No.
`
`City
`Home Phone
`Email Address
`
`First Name
`
`RR
`State
`
`MI
`
`Soc. Sec. No.
`
`PO Box
`
`Foreign Map Code
`
`Zip Code
`Work Phone
`
`9 of 22
`
`

`

`INDEX NO. 000943/2019
`FILED: ONONDAGA COUNTY CLERK 01/16/2020 01:27 PM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 01/16/2020
`
`If
`
`your
`
`current
`
`statement
`
`purchases,
`shown
`on
`
`as
`
`this
`payment
`
`the
`
`paying
`statement
`
`reflects
`minimum
`does
`
`flexpay
`amount
`
`not
`
`constitute
`
`for
`
`future
`
`flexpays.
`
`of
`Details
`TRANS DATE
`
`our
`
`t
`-contimmed
`TRANSACTIONDESCR!DTION/LOCATION
`
`HSN RETURN - HSN WEB ORDER - VC EYELET EMBR HI LO PYMT 02 OF 04
`0õi26iž017
`HSN RETURN - HSN WEB ORDER - VC EYELET EMBR HI LO PYMT 01 OF 04
`06i26i20 i7
`HSN RETURN - HSN WEB ORDER - LUCKY EMBROIDERED BI PYMT 01 OF 02
`66i2òia017
`HSN RETURN - HSN WEB ORDER - 151MKtMNDIUUK MAYARI PYMT 02 OF 04
`0õi26/2017
`..........................................................................................................................................................................................................
`Fees
`
`this period
`fees charged for
`Total
`..........................................................................................................................................................................................................
`Interest
`charged
`
`Interest charge on purchases
`Total
`interest
`for
`this period
`
`to date
`2017 totals year
`Total
`fees ch