FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`
`INDEX NO. 2023-1685
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`1 of 18
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`*000006735325*
` 000006735325
` SUPREME COURT OF THE STATE OF NEW YORK R & R File No. 1519733
` COUNTY OF SCHENECTADY
` ---------------------------------------- S 093
` JPMORGAN CHASE BANK, N.A.
`
` Plaintiff
` -against-
` MATTHEW J BOEHMER
`
` Index No. 2023-1685
` Defendant(s)
` ----------------------------------------
`
`

`

`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`INDEX NO. 2023-1685
`HVSCEF Doc. No.
`6
`eetTNTET©2
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`000006727814
`Our File No. 1519733
`Print Date : 12/11/23
`
`SUPREME COURT OF THE STATE OF NEW YORK
`COUNTY OF SCHENECTADY
`
`JPMORGAN CHASE BANK, N.A.
`
`-~against-
`
`MATTHEW J BOEHMER
`
`Plaintifé,
`
`Defendant.
`
`Index No. 2023-1685
`
`COVER SHEET
`TO BE ATTACHED
`AFFIDAVIT OF MERIT
`
`2 of 18
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`INDEX NO. 2023-1685
`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`NYSCEF DOC. NO.
`6
`RECEIVED NYSCEF: LACBdge 9 SP5
`
`New York State Unified Court System
`
`
`
`
`Affidavit of Facts
`
`
`nycourts.gov
`
`
`UCS-CCR3 (05/2022)
`Page 1 of 3
`by Original Creditor nycourthelp.gov
`
`
`
`
`
`SDSwornDocumentExecution000353120036
`
`SUPREME COURT OF THE STATE OF NEW YORK
`COUNTY OF SCHENECTADY
`
`JPMORGAN CHASE BANK,N.A.,
`
`Plaintiff,
`
`vs.
`
`MATTHEW J BOEHMER,
`
`Defendant(s).
`
`
`
`
`
`anetteManat”Sant’Mintestmet”Sma”
`
`INDEX NO. 2023-1685
`
`ss.
`
`) )
`
`)
`
`STATE OF TEXAS
`
`COUNTY OF BEXAR
`
`The undersigned, being duly sworn, deposes and says:
`
`1.
`
`1, Emilio Castano am an Authorized Signing Officer and employee of JPMorgan Chase Bank,
`N.A., successor by merger to Chase Bank USA,N.A.(“Plaintiff’), and | have access to
`Plaintiffs books and records ("Business Records"), including electronic records, relating to the
`account("Account") of MATTHEW J BOEHMER (“Defendant”). Thelast four digits of the
`Account numberare 9585.
`In my position, | have personal knowledgeof the procedures for
`creating and maintaining Plaintiffs Business Records. Plaintiffs Business Records were made
`in the regular course of business, and it was the regular course of such business to make the
`Business Records. The records were made at or near the time of the events recorded. Based
`on my review of Plaintiff's Business Records, | have personal knowledgeof the facts set forth
`in this affidavit.
`
`2.
`
`[Check this paragraphif Servicer]
`[] Servicer is the servicer for the Plaintiff in the underlying action. Plaintiff has authorized
`Servicer to service and maintain the Business Records relating to the Account, along with
`giving testimony and executing affidavits, declarations, and certifications on behalf of
`Plaintiff regarding the Account.
`
`3. Plaintiff and Defendant entered into a credit agreement (“Agreement”). Defendant agreed to
`pay Plaintiff for all goods, services and cash advancesprovided pursuant to the Agreement.
`The amountof the last payment in good and collectable funds, if any, made by Defendant was
`$654.00, made on or about 07/22/2022. Defendantis now in default and demand for payment
`has been made. A true and correct copy of the Agreement or document(s) evidencing the
`Agreementis/are attached as an exhibit to this affidavit.
`
`TEENITETELELETTNEETTESTEELEERTO
`
`G28E7Y
`ADA Accommodations
`Spoken or Sign LanguageInterpreters
`
`
`2 ada@nycourts.gov * 212-428-2760 mel bg interpreter@nycourts.gov * 646-386-5670 CRteln)
` DCUMC18
` | il | ll
`Moos
`|
`|
` | lt
`
`
`
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` | tl
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`3 of 18
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`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`INDEX NO. 2023-1685
`NYSCEF DOC. NO.
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`6
`RECEKIVED NYSCEF: Lae PAGal 5
`
`
`
`UCS-CCR3 (05/2022) Page 2 of 3
`
`4.
`
`[Check this paragraph if seekingjudgment on an account stated cause ofaction]
`C]
`| have personal knowledgeof Plaintiff's procedures for generating and mailing account
`statements to customers.
`It is the regular practice of Plaintiff's business to provide periodic
`account statements to its customers. On or about // , Plaintiff sent one
`or more account statementsrelating to the Account to Defendant stating the amount due as
`$
`. The account statement(s) were mailed to Defendant’s last known
`address and Plaintiff's records do notreflect that the statement(s) were returned by the
`postoffice or that the Defendant objected to them. A true and correct copyof the final
`account statement(s) is attached as an exhibit to this affidavit.
`
`[Check this paragraph if seekingjudgment on a revolving consumercredit account|
`At this time, Defendant owes $4,844.76 on the Account. This amountincludes a charge-off
`balance of $4,844.76, post-charge-off interest of $0.00, post-charge-off fees of $0.00 and
`other post-charge-off charges or debits of $0.00 less any post-charge-off credits or
`payments made by or on behalf of the Defendant of $0.00.
`
`[Checkthis paragraph if seeking judgment on a non-revolving consumercredit account]
`C) At this time, Defendant owes $
`on the Account. As set forth in the
`exhibits attached hereto and made a part hereof, this amountis broken out by(i) principal;
`(ii) finance charge or charges;(iii) fees imposed by the original creditor; (iv) collection costs:
`(v) attorney's fees; (vi) interest; and (vii) any other fees and charges, less any credits or
`payments made by or on behalf of the Defendant of $
`.
`
`As set forth in New York CPLR Article 50, the interest rate applicable to the Account pursuant
`to section five thousand four of this chapter applies.
`
`[Check if not seeking post-judgmentinterest]
`& Plaintiff explicitly disclaims any right to post-judgment interest on this Account.
`
`WHEREFORE, deponent demands judgment against Defendant for $4,844.76.
`
`The above statements are true and correct to the best of my personal knowledge.
`
`Dated:
`
`11/30/2023
`
`CoTase
`Affiant Signature
`
`Sworn to (or affirmed) before me on 11/30/2023.
`
`Emilio Castano
`
`
`
`SDSwornDocumentExecution000353120036
`
`ZZ Affiant Name
`UP SE
`
`VICTORIA ACUNA
`EP
`e
`\ Notary iD #132222934
`io} My Commission Expires
`OE
`3B/
`october 23, 2027
`
`Notary Public
`
`G28E7Y
`
`IEEAA
`
`TO
`
`oO
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`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`INDEX NO. 2023-1685
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`NYSCEF DOC. NO.
`6
`:
`RECEIVED NYSCEF: 1O62 BdgeBoP 5
`
`
`
`UCS-CCR3(05/2022) Page 3 of 3
`
`Exhibits to be Attached to Affidavit
`
`1. Agreement= Contract/Invoice or Charge-off Statementif revolving credit account
`
`- See Exhibit A
`
`2. Most Recent Charge/Payment/ Balance Transfer Statement
`
`- See Exhibit A
`
`3. Additional Books and Records evidencing:
`
`Defendant’s Full Name
`
`- See Exhibit A
`
`- Balance due andlast 4 digits of Account Numberprinted on Most Recent Monthly
`Statement reflecting charge/payment/ balance transfer
`
`- See Exhibit A
`
`-
`
`Last Payment Date and Amount
`
`- See Exhibit A
`
`Charge-Off/Delinquency Date and Amount
`
`- See Exhibit B
`
`Post Charge-off/Delinquency Interest and/or Fees
`
`- See Exhibit B
`
`*
`
`Please note: Post-charge-off interest and fees do not accrue on the subject account. Exhibit 3(d) may
`reflect non-interest, non-fee post-charge-off debits, if any, including returned payments.
`
`Post-Charge-off/Delinquency Credits:
`
`- See Exhibit B
`
`{Note: A Certificate of Conformity is only required for affidavits specific to real property transactions.]
`
`
`
`SDSwormDocumentExecution000353120036
`
`A ee
`
`
`
`
`
`
`5 of 18
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`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`INDEX NO. 2023-1685
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`NYSCEF DOC. NO.
`6
`RECEIVED NYSCEF: LOPde24o? 5
`
`
`
`SDSwornDocumentExecution000353120036
`
`CERTIFICATE OF CONFORMITY
`
`ss.
`
`) )
`
`)
`
`STATE OF TEXAS
`
`COUNTY OF BEXAR
`
`The undersigned does hereby certify that s/he is an attorney at law duly admitted to
`
`practice in the State of Texas; that s/he is a person duly qualified to makethis certificate of
`
`conformity pursuant to Section 299-a of the Real Property Law and CPLR § 2309(c)ofthe State
`
`of New York pertaining to acknowledgments, oaths or affirmations; that s/he is fully acquainted
`
`with the laws of the State of Texas; that the foregoing acknowledgment, oath or affirmation of
`Emilio Castano
`, namedin the foregoing instrumenttaken before
`Victona Acuna
`, anotary public, was taken in the manner
`
`prescribed by such lawsof the State of Texas, being the state in which it was taken; andthatit
`
`duly conforms with such lawsandis in all respects valid and effective in suchstate.
`
`Witness mysignature on this day: 11/30/2023
`
`Sign
`
`Print
`
`Cody W.Beitel
`
` CUAoO
`
`6 of 18
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`Pkg Page 4 of 16
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`

` NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
` 1B6eRdgeS85
`
`INDEX NO. 2023-1685
`
`IEMAETT llnna! ll
`
`7 of 18
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` INDEX NO. 2023-1685
`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`IVED NYSCEF: 1A6224R023 9
`
`UNVAACEATa——
`
`8 of 18
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`TATAaeons=
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`

`INDEX NO.
`2023-1685
`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`RECEIVED NYSCEF:
`NYSCEF DOC. NO.
`6
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`Tot PadePR 8
`
`ol.
`B SLAT EX
`“a
`
`x
`
`ao Manage your account online at:
`®
`vmnttecombanet
`
`Customer Service:
`1-800-945-2000
`
`
`
`Mobile: Download the
`Chase Mobile® app today
`
`|
`
`
`
`ee eee,
`Tv
`Ww
`+
`
`F
`
`3
`
`New Balance
`$4,844.76
`
`7
`14
`21
`Des
`4A
`
`8
`18
`22
`29
`&
`
`° oO Payment Due Date
`16
`17
`38
`03/28/23
`23
`24
`25
`30.
`a1
`4
`6S
`F
`a
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`S$
`
`.
`ta
`19
`26
`2
`
`M
`
`S
`413
`20
`27
`&
`
`If we do not receive your minimurn payment
`Late Payment Warning:
`by the date listed above, you may have to pay a late fee of up to
`$40.00 and your APR's will be subject to increase te a maxirnum
`Penalty APR of 29.99%.
`If you make only the minimum
`Minimum Payment Warning:
`payment each period, you will pay more in interest and it will take you
`longer to pay off your balance. For example:
`
`lf you make no
`And you will end up
`You will pay off the
`additional charges
`balance shown on this|paying an estimated
`statement in about...
`total of...
`using thie card anc
`each month you pay...
`Only the minimum
`payment
`
`
`
`if you would like information about credit counseling services, calt
`1-866-797-2885,
`
`SD_SwornDocumentExecution_000353120036
`
`ACCOUNT SUMMARY
`Account Number: SIREN 0505
`$4,765.57
`Previous Balance
`$0.00
`Payment, Credits
`$0.00
`Purchases
`$0.00
`Cash Advances
`$0.00.
`Balance Transfers
`$9.00
`Foes Charged
`interest Charged ETON19:
`
`
`New Balance
`54,844.76
`Opening/Cloasing Date
`02/04/28 > OWVO8/23
`Coreclit-Lintit
`“
`$4,600
`Available Credit
`SO
`Cash Access Line
`Se25
`oO
`Available for. Cash
`Past Due Amount
`:
`:
`1,070.00
`Balance over the Credit Limit
`“$844.76
`
`YOUR ACCOUNT MESSAGES
`
`New York Residents: New York residents may contact the New York State Department of Financial Services at
`1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.
`You are over your credit line/credit access line by $344.76. You can pay down your balance faster by including this
`amount with your payment.
`
`ae SLATE’
`
`P.O. BOX 15123
`WILMINGTON, DE 19850-5123.
`For Undeliverable Mail Only
`
`The Past Due
`amount of $1,070.00 is
`inclucted In your
`Minimum Payment.
`
`Payment Due Date:
` ($4,844.76
`New Balance:
`_
`Minimum Payment Due:
`$1,197.00
`Account number: EE 0585
`
`MATTHEW J BOEHMER
`DY NY 12309-4010
`
`‘mmm Amount Enclosed
`Make/Mail to Chase Card Services at the address below:
`
`CARDMEMBER SERVICE
`PO BOX 1423
`CHARLOTTE NC 28201-1423
`
`ee
`ce
`
`9 of 18
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`INDEX NO.
`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`2023-1685
`FILED:
`SCHENECTADY COUNTY CLERK 12/22/2023 09:30
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`NYSCEF DOC. NO.
`6
`RECEIVED NYSCEF: 1R422d7)A3
`
`“OBVisit Our Website:
`
`
`
`© contact us regarding your account:
`a
`UStOMer Service:
`>
`in U.S.
`1-800-945-2000
`4
`<<
`Spanish
`4-888-446-3308
`Mall Payments to:
`Pay by phone 1-800-436-7958
`Send Inquiries to:
`international 1-302-594-8200
`P.O, Box 1423
`P.O. Box 15298
`We accept operator relay calls
`Charlotte, NC 26201-1423
`Wilmington, DE 19850-S5298
`
`
`
`information About Your Account
`cash advance, or check transaction in the amount stated In your Account Agreemant.
`There is @ foreign transaction fee af 3% of the U.S. dollar amount of any foreign
`least your
`Making Your Paymants: The amount of your payment should be at
`transaction for some accounts. Please see your Account Agreement for information
`minimum payrnent due, payable in U.S. dollars and drawn on or payable through a
`about these fees.
`U.S. financial institution or the U.S. branch of a foreign financial institution. You can
`pay down balances faster by paying more than the minimum payment or the total
`We add transactions and fees to your daily balance no eartier thar
`unpaid balance on your account.
`4. the date of the transaction ~tor new purchases, balance transfers, overdraft
`You may inake payments electronically through our website or by one of our customer
`advances, cash advances, of My Chase Loarie:
`service phone numbers above. in using any of these channels, you are authorizing ug
`2. the date the payee deposits the check ~ far rew cash advance checks or
`to withdraw funds as a one-time electronic funds transfer from: your bank account.
`balanes tranafer checks;
`In our automated phones syste, this authorization is provided via antry of a personal
`identification nurmber, You may revoke this authorization by cancelling your payment
`3. the date of a related transaction, the date they are posted to your account, or
`through our website or ctistomer service telephone numbers prior to the payment
`the last day of the billing cycle, whichever we may choode ~ for fees
`processing,
`1! we receive your cornpleted payment request through one of these
`channels by 11:59 p.m. Eastern Time, we will credit your payment ae of that day. if
`How To Avoid Paying interest On Purchases: Your due date will be a minimum of 21
`we receive your request after 11:59 p.m, Eastern Time, we will credit your payment
`days after the close of ach billing cycle. Hf you pay your account (or interest Saving
`as of the next calendar day. If you specify a future date in your request we will credit
`Balance) in full each billing peried by the date and time due, ne Interest Is charged
`your payment as of that day.
`on new purchases month to month. Also, we will not impose interest charges on any
`portion of a purchase balance you repay while that balance is subject to an interest~
`if you pay by regular U.S. mail to the Payments address shawn on this staternent,
`tree period. Subject to any interest-free period for new purchases, we will begin
`write your account number on your check or money order and Include the payrnent
`sharging Interest from the date a transaction (including any balance transfer, cash
`coupon in the envelope. Da not send more than one payment or coupon per envelope.
`advance or overdraft advarice), fee ar Interest charge Is added to your dally balarice
`Do not staple, clip or tape the documents. Do not include correspandence. Do not
`unt your accourt ja paid in fall. Because we apply payments in excese of your
`send cash.
`If we receive your properly prepared payment an any day by 5 p.m. local
`minimurn payment first to higher rate balances, you may not be able to avoid interest
`time at our Payments address on this statement, we will creclit te your account that
`charges on new purchases if you have another balance at a higher interest rate unless
`day. ff your payment fs received after 5 p.m. local time at our Payments address on
`you pay your balance (or interest Saving Balance) in full each month.
`this statement, we will creclit it to your account as of the next calendar day.
`Credit Limit: ft you want to inquire about your options to heip prevent your account
`For all other payments or for any paymarrt type above for which you do not follow our
`from exceeding your credit lirnit, please call the nurmber an the back of your card.
`payment instructions, crediting of your paymerrts may be delayed for up to & days.
`What To Ge ff You Think You Find A Mistake On Your Statement: if you think there
`Account information Reported To Credit Bureau: We may report Inforrnation about
`ig an errar on your statement, write to us on a separate sheet at Customer Service,
`your Account to credit bureaus. Late payrnents, rnissed payments or other defaults
`2.0. Box 15299, Wilmington, DE 19850-5299.
`on your Account may be reflected In your credit report. If you think we have reported
`inaccurate Infarmation to a credit bureau, please write to us at Chase Card Services
`In your fetter, give us the tallowing information:
`P.O, Box 15369, Wilmington, DE 19850-5369.
`¢ Account information: Your same and Account number,
`To Service And Managa Any Of Your Accaunt(s): By providing my mabile phone
`number,
`| armgiving permission fo be contacted at
`that number about al of my
`« Dollar amount: The dollar amount of the suapected error.
`accounts by JPMorgan Chase and companies working on its behalf, My consent
`« Description of Probleny if you think there ig an error on your bi, describe
`allows tha use of text messages, artHicial or prerecarded voice messages and
`what you believe la wrong and why youbelieve it is a mistake.
`automatic dialing tachnotogy for informational and account servicing, but not for
`sales or telernarketing. Message and data rates may apply.
`You must contact us within 60 days after the error appeared on your statement.
`Authorization To Convert Your Check To An Electronic Transter Debit: When you
`You must notify ue of any potential errora in writing. You may call us or notify us
`provide a check as payment, you authorize us either to use information from your
`electronically, but if you do we are nat required to investigate any poterdial errare and
`check to make a one-time electronic fund transfer from your account or to process
`you may have to pay the arnount in question.
`the payment ag a check. Your bank account may be debited as soon as the same day
`we receive your payment. You will not receive your check back from yourinstitution.
`While we Investigate whether or not there has been an error, the following are true:
`Conditional Payments: Any payment check or other form of payment that you senc
`* We cannot try to collect the amount in question, ar report you as delinquent on
`that arncunt.
`us for less than the full balance due that ls marked “pald in full" or contains a sirnilar
`
`notation, or that
`you otherwise tender in full satisfactian of a disputed armmaunt,
`« The charge in question may remain on your statement, ancl we may cortinue
`must be sent ta Card Services, PO. Box 18049, Wilrningtan, DE 19850-5049. We
`to charge you interest on that arnount. But,
`if we determine that we made a
`reserve all our rights regarding these payments (e.g., if
`it is determined there is no
`mistake, you will not have to pay the amount in question or any interest or
`valid dispute or if any such check is received at any other address, we may accept
`other fees related to that amount.
`the cheok and you will still owe any rernaining batence), We may refuse to accept
`any such payment by returning it to you, not cashing It or destroying It. All other
`«While you do not have to pay the arnount in question, you are responsible for
`payrnants that you make shauld be sent ta the regular Payment address shawn oan
`the remainder of your balance.
`this statement,
`* We can apply any urnpald arnount against your credit Heit,
`if your Account Agreement has an annual membership
`Annual Renewal Notice:
`tee, you are responsible for { every year your Account is open, We will add your
`Your Rights if You Are Dissativiied With Your Credif Card Purchases: If you are
`annual membership fee to your monthly billing statement once a year, whether or not
`dissatisfied with the goods or services that you have purchased with your credit card,
`you use your account. Your annual membership fee will be added to your purchase
`and you have tried in good faith to correct the problern with the merchant, you may
`balance and may incur interest. The annual membership fee is non-refundable unless
`have the right net ta pay the remaining amount due on the purchase.
`you notify us that you wish to close your acceunt within 30 days or one billing cycle
`(whichever is less) atter we provide the statement on which the annual membership
`To use this right, all of the following must be true:
`fee is billed. Your paymant of the annual membership fee does not affect our rights
`1. The purchase must have been made in your home state or within 100 miles
`to close your Account and to limit your right to make transactions on your Account.
`of your current mailing address. and the purchase price ‘rust have been
`lf your Account ie closed by you or us, the annual membership fee will no tonger be
`more than $50. (Note: Meither of these are necessary ff your purchase was
`billed to your Account.
`hased on an advertisement we railed to you, or if we awn the company that
`sold you the goods or services.)
`Galculation OF Balance Sublact Ta interest Rate: To figure your periodic interest
`charges for each billing cycle when a dally periodic rate(s) applies, we use the
`2. You must have used your credit card for the purchase. Purchases made with
`Gaily balance methad (including new transactions). To figure your periadic Interast
`each advances from an ATM or with a check that acceeses your credit card
`charges for each biilng cycte when a monthly periodic rate(s} applies, we use the
`Aacount do not quality.
`average daily balance rnethed (including new transactions). For an explanation of
`either method, or questions about a particular irferest charge calculation on your
`3. You must not yet have fully paid for the purchase.
`staternent, please call us at the toll free customer service phone numberlisted above.
`i all of the criteria above are met and you are still dissatisfied with the purchase, contact
`We calculate periodic interest charges separately for each feature (or exarnple,
`us in writing at Gustorner Gervice, P.O. Box 19299, Wilrnington, DE 19850-5299,
`purchases, balance transfers, cash advances or overdraft advances), These
`calculations may combine different categories with the same periodic rates. Variable
`While we Investigate, the same rules apply to the disputed ammount ag diseussed
`rates wilt vary with the market based on the Prime Rate or such index described
`above. After we finish our investigation, we will tell you our decision. At that point, #
`ins your Account Agreement. There ig a transaction fee for each balance transfer,
`we think you owe art amount and you do not pay we may report you as delinquent.
`
`D
`
`SD_SwornDocumentExecution_000353120036
`
`MAQ5042021
`
`—
`
`To manage your account, including card payments, alerts, and change of address, visit
`www.chase.com/cardhelp or call the customer service nurmber which appears on your
`account statement.
`
`L_
`
`ICME IC
`
`10 of 18
`10 of 18
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`Pkg Page 8 of 16
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`

`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`INDEX NO. 2023-1685
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`NYSCEF DOC. NO.
`6
`RECEIVED NYSCEF:
`IWPagPPG3
`
`= S iz f T [-” a Manageyouraccount onlineat:
`
`an
`
`
`
`CustomerService:
`
`
`
`Mobile:beadpenloday
`
`YOUR ACCOUNT MESSAGES (CONTINUED)
`Your account is closed and no longer available for use.
`
`ACCOUNT ACTIVITY
`Date of
`
`Merchant Name or Transaction Description
`$ Amount
`Transaction
`
`neernnancsnsonnsossoseossreses
`INTEREST. CHARGED...
`03/03
`PURCHASE INTEREST CHARGE TOTAL INTEREST FOR THIS PERIOD $79.19
`
`
`
`$246.17
`
`2023 Totals Year-to-Date
`Total fees charged in 2023
`Total interest charged in 2023
`Year-to-date totals do not reflect any fee or interest refunce
`you may have received.
`
`:
`$80.00
`
`INTEREST CHARGES
`Your Annual Percentage Rate (APFt)
`is the annual interest rate on your account.
`Annual
`Percentage
`Rate (APR)
`
`Balance
`Subject To
`interest Rate
`
`interest
`Charges
`
`Baiance Type
`PURCHASES
`
`
`
`
`
`
`
`21.49%) CASH ADVANCES
`Purchases
`Gash Advanene
`28.49% 0a) “
`ssemancmrmenscanesn 3° sctasnncsannoca ee
`BALANCE TRANSFERS
`
`
`
`sea cataSesoseanometeennente BTaesceOGN esses
`28 Days in Billing Period
`
`hse
`
`opens
`(v) = Variable Rate
`(d) = Daily Balance Method (including new transactions)
`(a) = Average Daily Balance Method! (including new transactions)
`Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice,
`How to Avoid Interest on Purchases, and other important information, as applicable.
`
`
`
`IMPORTANT NEWS
`
`
`ineohucd
`
`
`plea. clips, ¢
`
`
`clalay pore
`Ig your payrriert. Alwe
`
`
`
`
`per Staternrvant.
`number ancl just 1 chess
`
`SD_SwernDocumentExecution_000353120036
`
`MATTHEW J BOEHMER
`
`Page 2 of 2
`
`Statement Date:
`
`OB/OW/23
`
`TTT eos
`
`11 of 18
`11 of 18
`
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`
`

`

` AM
`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`INDEX NO. 2023-1685
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`RECHIVED NYSCEF : WbPA4PPGS
`
`IN ALYCIAi|ANU——
`
`12 of 18
`
`illl
`
`.
`
`

`

`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`INDEX NO. 2023-1685
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`NYSCEF DOC. NO.
`6
`RECEIVED NYSCEF: 19424293
`
`
`
`
`| CHASE or;| Manageyouraccount ortineat: CustomerGervice: Mobile: Download the |
`
`
`SLATE
`
`Wwww.chase.conveardhein
`
`1-800-945-2000
`
`
`
`Chase Mobile® app today
`
`
`
`NoyBalance
`Minimum Payment Due
`$112.00
`Payment Due Date
`08/28/22
`
`s
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`27
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`!f we do not receive your minimum payment
`Late Payment Warning:
`by the date listecl above, you may have to pay a late fee of up to
`$40.00 and your APR's will be subject to increase to a maximum
`Penalty APR of 29.99%.
`ff you make only the minimum
`Minimum Payment Warning:
`payment each period, you will pay more in interest and it will take you
`longer to pay off your balance. For example:
`
`:
`
`cos
`
`ACCOUNT SUMMARY
`Account Number: ——9585
`o G4654.46.
`=
`Previous Balance
`8654.00 |
`Payment, Credits
`ce
`oe
`$0.00
`Purchases
`:
`:
`:
`:
`$0.00
`Cash Advances
`$0.00
`Balance ‘Transters
`$0.00
`Fees. Charged
`#$72.16.
`Interest Charged
`
`$4,072.62
`New Balance
`07/04/22 - 08/03/22
`Opening/Closing Date
`$4,500
`Gredit Lirnit
`$0
`Available Credit
`$225,
`Cash Access Line
`$0
`Available for Cash
`Past Due Amount
`
`Balance over the Credit Limit
`$0.00
`
`
`YOUR ACCOUNT MESSAGES
`
`New York Residents: New York residents rnay contact the New York State Department of Financial Services at
`1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparativelist of credit card rates, fees, and grace periods.
`Your account ia closed ancd na longer available for use.
`
`Fraud and scams can happen to anyone.
`
`a e
`
`P.O. BOX 15123
`
`i
`
`ae Te
`Ww
`
`WILMINGTON, DE 19850-5123
`Make your payrnent at
`heeprs Due: Date:
`Minimum Payment Due:
`Account number:——— 9585
`
`For Undeliverable Mail Only
`
`ghase.com/payeard
`
`MATTHEW J BOEHMER
`2116 DEAN ST
`SCHENECTADY NY 12309-4010
`
`Be+smsursniuinepginnpnntnenanne Arnount Enclosec
`Make/Mall to Chase Card Services at the address below:
`
`CARDMEMBER SERVICE
`PO BOX 1423
`CHARLOTTE NC 26201-1423
`
`7 EE TENT ea
`
`13 of 18
`
`And you will end up
`You will pay off the
`if you make no
`
`additional charges balance shown on this|paying an estimated
`using this card anc
`statement in about...
`total of...
`each month you pay...
`Only the minimum
`payrnent
`
`18 years
`
`$9,052
`
`
`
`$150
`
`$5,404
`(Savings=$3,648)
`if you would like information about credit counseling services, cail
`1-866-797-2885.
`
`3 years
`
`SD_SwornDocumentExecution_000353120036
`
`.
`
`

`

`INDEX NO.
`INDEX NO. 2023-1685
`FILED: SCHENECTADY COUNTY CLERK 12/22/2023 09:30 AM
`2023-1685
`ILED:
`SCHENECTADY COUNTY CLERK 12/22/2023 09:30
`NYSCEF DOC. NO. 6
`RECEIVED NYSCEF: 12/22/2023
`NYSCEF DOC. NO.
`6
`RECEIVED NYSCEF: TlePAbEPAS
`
`e)Visit Our Website:
`
`
`
`To contact us regarding your account:
`all
`Customer
`Service:
`»
`In U.S.
`1-800-945-2000
`Ff
`Spanish
`1-888-446-3308
`Send Inquiries to:
`Mall Payments to:
`Pay by phone 1-800-436-7958
`international 1-302-594-8200
`P.O. Box 15298
`P.O. Box 1423
`We accept operator relay calls
`Gharlottie, NC 28201-1423
`Wilmington, DE 19850-5296
`
`Information About Your Account
`cash advance, or check traneaction in the amount stated in your Account Agreement.
`There Is a foreign trareaction fea of 3% of the U.S. dollar amount of any feraign
`least your
`Making Yeur Paymants: The arnaunt of your payment should be at
`transaction for same accounts. Please see your Account Agreement far information
`minimurn payment die, payable in U.S. dollars and drawn on or payable through a
`about these fees.
`U.S. financial institution or the U.S. branch ef a foreign financial institution, You can
`pay down halances faster by paying more than tha minimum payment or the total
`We add transactions and fees to yout daily balance no earlier than
`unpaid balance on your account.
`nee transfers, overdraft
`1. the date of the transaction ~ for new purchases, bala
`You may make payments electronically through our website or by one of our customer
`advances, cash advances, or My Chase Loans;
`service phone numbers above. In using any of these channels, you are authorizing us.
`2. the date the payee deposits the check ~ for new cash advance checks or
`to withdraw funds as a one-time electronic funds transfer from your bank account.
`balance transfer checks;
`In cur automated phone system, this authorization ie provided via ‘entry of a personal
`identification number. You may revoke this authorization by cancelling your payment
`3. the date of a related transaction, the date they are posted! to your account, or
`through our website or customer service telephone numbers prior to the payment
`the last day of the billing cycle, whichever we may choose ~ for fees
`processing.
`it we receive your completed payment request through one of these
`How Te Avoid Paying interest On Purchases: Your due date will be a minimnurn of 24
`channels by 11:59 pun. Eastern Time, we will credit your payment as of that day. If
`we receive your request after 11:59 p.m. Eastern Time, we will credit your payment
`days after the close of eachbilling cycle. If you pay your account (or Interest Gaving
`as of the next calendar day. If you specify a future date in your request we will credit
`Balance) in full each billing period by the date and time due, no Interest Is charged
`your paymentas of that day.
`on new purchases month to month. Aiso, we will not impose Interest charges on any
`portion of a purchase balance you repay while that balance is subject to an Interest-
`if you pay by regular U.S. mall to the Payments address shown an this statement,
`tree period. Subject to any interest-free period for new purchases, we will begiri
`write your account number en your check or money order and include the payment
`charging Interest from the date a tansaction (including any balance tranefer, cash
`coupon in the envelope. Do not send mare than one payment or coupon per envelope.
`advance or overdraft advance), fee or interest charge is added to your dally balance
`De not staple, clip or tape the documents. Do nat include correspondence. Da not
`until your account is paid in full. Because we apply payments in excess of your
`send cash, H we receive your properly prepared payment on any day by 5 p.m. focal
`minimum payment first to higher rate balances, you may nat be able to avoid interest
`time at our Payments address on this statement, we will credit to your account that
`charges on new purchases If you have another balance at a higher interest rate unless
`day. if your payment is received after 5 p.m. local time at our Payments addrese on
`you pay your balance {ar interest Saving Balance} in full each rmanth.
`this statement, we will credit it to your account as of the next calendar day.
`For all other payments or for any payment type above for which youdo nat follow our
`Credit Limit: if you want to inquire about your options to help prevent your account
`from exeeeding your credit limit, please call the number on the bac