BANK OF AMERICA N.A. v. CARL CULVERHOUSE, 809469/2023, 1 (N.Y. Sup. Ct., Erie County Jul. 27, 2023) (2024)

FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`SUPREMECOURTOFTHESTATEOFNEWYORK
`COUNTY
`OFERIE
`-
`------
`-
`-
`-
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`--
`
`-
`
`-
`
`- -
`
`-
`
`- -
`
`-
`
`-
`
`-
`
`-
`
`-X
`
`SUMMONS
`
`CONSUMERCREDITTRANSACTION
`
`-
`
`-
`
`- -
`
`Bank
`
`of
`
`America,
`
`N.A.
`
`CARL
`
`CULVERHOUSE
`
`_____________------------------------------------X
`
`Plaintiff,
`
`-Against-
`
`Defendant(s)
`
`Plaintiff
`
`designates
`
`ERIE
`
`County
`
`as
`
`the
`
`place
`
`of
`
`trial.
`
`The
`
`DEFENDANT
`
`RESIDES
`
`IN
`
`THE
`
`COUNTY
`
`TO THE
`
`ABOVE
`
`NAMED
`
`DEFENDANT(S):
`
`COURT
`MJRF#:
`
`INDEX#:
`
`02215011
`
`Plaintiff's
`NORTH
`100
`CHARLOTTE,NC
`
`Address:
`STREET
`TRY0N
`28202
`
`Defendant's
`161
`MARINE
`BUFFALO,NY
`of
`basis
`
`the
`
`Address:
`DR APT
`14202
`venue
`
`6C
`
`is:
`
`serve
`noted
`
`your
`case
`
`of
`
`YOU ARE HEREBY
`SUMMONED
`answer
`the
`complaint
`in
`this
`to
`within
`attorneys
`the
`provided
`time
`appear
`or
`judgment
`will
`answer,
`in
`the
`complaint.
`
`action
`by
`taken
`
`be
`
`and
`law
`
`to
`as
`against
`
`a
`copy
`below.
`by
`
`of
`In
`default
`
`you
`
`answer
`your
`the
`
`Plaintiff's
`on
`failure
`relief
`
`to
`demanded
`
`for
`
`YOU ARE HEREBY
`against
`you
`by
`
`NOTIFIED
`default
`
`THAT
`for
`
`the
`
`should
`relief
`
`you
`
`fail
`demanded
`
`to
`
`answer,
`the
`
`in
`
`judg
`
`a
`complai
`
`.
`
`t will
`
`be
`
`entered
`
`Dated:
`
`JUL
`
`26
`
`2023
`
`FLYNN
`FLYN
`D.
`
`GERALD W.
`-KRISTINE
`-AMY GAVLIK
`HULLOOLY , JEFFREY
`Attorneys
`Pl ainti
`for
`6851
`Jericho
`Suite
`Tpke,
`P.0.BOX
`9036
`, NY 11791-9036
`Syosset
`(516)656-5300
`
`KERRI
`FLYNN
`S.
`A BARRETO
`JONATHAN
`-SCOTT
`SCHWABER
`NEY & FLvGN
`LLP
`ff
`
`220
`
`NOTE:
`(a)If
`York
`
`The
`this
`you
`
`provides
`law
`summons
`must
`appear
`
`is
`
`that:
`served
`and
`answer
`
`by
`
`its
`within
`
`delivery
`TWENTY
`
`you
`to
`days
`
`personally
`after
`such
`
`within
`service;
`
`the
`or
`
`State
`
`of
`
`New
`
`(b)If
`served
`personal
`service
`
`summons
`the
`
`this
`outside
`delivery
`complete
`
`is
`
`is
`State
`you
`to
`
`served
`by
`of
`New
`within
`answer.
`
`to
`
`delivery
`York
`the
`
`or
`State
`
`to
`by
`
`person
`any
`publication,
`of
`New
`
`York,
`
`other
`or
`you
`
`than
`you
`means
`any
`allowed
`
`personally,
`other
`THIRTY
`
`by
`are
`
`or
`
`is
`
`after
`
`than
`days
`
`IS
`THIS
`PURPOSE.
`
`TO COLLECT
`AN ATTEMPT
`COMMUNICATION
`THIS
`
`IS
`
`A DEBT
`INFORMATION
`AND ANY
`FROM A DEBT
`COLLECTOR.
`
`OBTAINED
`
`WILL
`
`BE USED
`
`FOR THAT
`
`(FIAS)
`
`0102AM
`
`1 of 14
`
`

`FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`OF THESTATEOFNEWYORK
`
`SUPREMECOURT
`COUNTYOFERIE
`_____________________________________________Ç
`of
`N.A.
`Bank
`America,
`
`v.
`CARL CULVERHOUSE
`
`_____________________________________________Ç
`
`INDEX#:
`MJRF#:
`
`02215011
`
`of
`
`America,
`
`as
`
`is
`States
`is
`
`COMPLAINT
`
`N.A.,
`
`through
`
`its
`
`attorneys
`
`upon
`
`information
`
`and
`
`belief,
`
`in
`
`resides
`business
`agent
`and
`
`the
`within
`that
`
`which
`in
`county
`the
`county
`instant
`
`the
`
`in
`cause
`
`this
`which
`of
`
`action
`this
`action
`
`is
`brought;
`action
`is
`arose
`out
`
`that
`
`in
`
`or
`brought
`of
`the
`
`banking
`
`association
`
`organized
`
`and
`
`existing
`
`under
`
`the
`
`laws
`
`of
`
`subsidiary
`Services,N.A.
`under
`the
`
`Card
`and
`
`of
`
`America
`Bank
`of
`("FIA"),formerly
`charter
`and
`
`title
`
`Corporation
`known
`Plaintiff,
`
`of
`
`the
`and
`America
`as MBNA
`effective
`
`Bank
`Plaintiff,
`follows:
`claims
`the
`1.
`That
`Defendant(s)
`transacted
`the
`Defendant(s)
`his/her
`or
`through
`person
`transaction.
`said
`Plaintiff
`2.
`United
`the
`Plaintiff
`3.
`successor-in-interest
`Bank,N.A.
`FIA
`October
`1,2014.
`
`a
`
`national
`America.
`of
`a wholly-owned
`to
`FIA
`into
`
`was merged
`
`applied
`by
`
`and
`
`of
`in
`
`CAUSE
`a
`
`OF ACTION
`credit
`account
`creditor,
`the
`the
`
`(the
`Bank
`acquisition
`customer
`
`for
`with
`
`of
`
`which
`is
`Defendant
`N.A.
`services,
`
`owned
`
`balance
`
`4.
`and
`used
`transfers
`governing
`The
`5.
`Defendant
`and
`the
`Plaintiff
`to
`Itemization
`6.
`
`last
`
`for
`Defendant
`administered
`Plaintiff,
`the
`use
`or
`authorized
`advances
`or
`cash
`the
`Account
`of
`use
`payment
`made
`by
`Agreement
`breached
`the
`Account
`subsequently
`presently
`the
`amount
`
`and
`
`was
`is
`
`of
`
`FIRST
`received
`original
`the
`Account
`the
`accordance
`with
`Plaintiff.
`the
`Defendant
`failing
`by
`charged-off.
`and
`payable
`
`due
`sought:
`
`"Account"),
`America,
`of
`goods,
`agreement("Agreement")
`
`was
`to
`
`on
`make
`The
`in
`
`10/14/22
`periodic
`entire
`full.
`
`for
`
`the
`payments
`on
`balance
`
`sum of
`as
`
`the
`
`$100.00
`required
`Account
`
`.
`
`thereby
`owed
`
`is
`
`Total
`Total
`Total
`Total
`Total
`
`amount
`amount
`amount
`amount
`amount
`
`of
`of
`of
`of
`of
`
`as
`due
`the
`accrued
`interest
`since
`fees
`accrued
`charges
`non-interest
`credits
`payments
`
`debt
`
`of
`
`and/or
`
`charge-off:
`charge-off:
`since
`charge-off:
`since
`
`charge-off:
`charge-off:
`
`since
`
`The
`
`current
`
`Account
`
`balance
`
`is:
`
`The
`
`Account
`
`is
`
`not
`
`accruing
`
`post
`
`charge-off
`
`interest.
`
`OF ACTION
`SECOND
`periodic
`federal
`regulations,
`monthly
`retained
`without
`the
`Defendant
`and
`provided
`to
`the
`Account
`was
`"A"
`of
`charge-off
`is
`a
`copy
`the
`last
`requirements,
`transfer
`to
`provided
`8277
`a
`balance
`
`with
`In
`accordance
`7.
`to
`been
`provided
`have
`The
`final
`statement
`8.
`as
`Exhibit
`Attached
`hereto
`law
`9.
`on
`state
`Based
`last
`payment,
`purchase,
`number
`Account
`reflected
`
`of
`
`disclosure
`or
`balance
`ending
`
`in
`
`CAUSE
`
`the
`
`and
`
`2 of 14
`
`$1,935.09
`+$0.00
`+$0.00
`+$0.00
`-$0.00
`
`$1,935.09
`
`for
`objection.
`or
`about
`
`the
`
`Account
`
`5/31/23.
`
`on
`
`statement
`prior
`
`recording
`charge-off
`
`to
`
`a
`
`statements
`successful
`Defendant
`statement.
`periodic
`Defendant
`$1,589.72.
`
`of
`
`

`FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`Based
`10.
`Account.
`WHEREFORE,
`pefendant
`the
`sum of
`
`on
`
`Plaintiff's
`
`records,
`
`there
`
`are
`
`no
`
`unresolved
`
`billing
`
`disputes
`
`related
`
`to
`
`the
`
`Plaintiff,
`for:
`$1,935.09,
`
`Bank
`
`of
`
`America,
`
`N.A.,
`
`prays
`
`that
`
`judgment
`
`be
`
`entered
`
`against
`
`together
`
`with
`
`costs
`
`and
`
`disbursem*nts.
`
`Respec
`
`ul
`
`y
`
`submitted,
`
`pated:
`
`JUL
`
`2 6
`
`2023
`
`FLYNN
`D.
`FLYNN
`
`GEPALD W.
`_KRISTINE
`_AMY GAVLIK
`MULLOOLY,JEFFREY,R
`Attorneys
`for
`6851
`Jericho
`Syosset,NY
`656-5300
`(516)
`
`Plaintiff
`Tpke,Suite
`11791-9036
`
`FLYNN
`S.
`KERRI
`A BARRET0
`-JONATHAN
`_SCOTT
`SCHWABER
`Y & FLYNN
`LLP
`
`220
`
`IS
`THIS
`PURPOSE.
`
`TO COLLECT
`AN ATTEMPT
`THIS
`COMMUNICATION
`
`INFORISTION
`2WD ANY
`A DEBT
`FROM A DEBT
`COLLECTOR.
`
`IS
`
`OBTAINED
`
`WILL
`
`BE USED
`
`FOR THAT
`
`(FIAS)
`
`Mjrf#:02215011
`
`3 of 14
`
`

`FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`SUPREMECOURTOFTHESTATEOFNEWYORK
`COUNTYOFERIE
`_________________________---_________-----___Ç
`Bank
`of
`N.A.
`America,
`
`v.
`CARL CULVERHOUSE
`
`-----__--------_______-----------------------Ç
`
`---------------------------------------------X
`
`*****
`OF ELECTRONIC
`NOTICE
`-----______---------------------_______
`
`FILING
`
`*****
`
`(Mandatory
`(Consensual
`
`Case:
`Case:
`
`Uniform
`Uniform
`
`Rule
`Rule
`
`§ 202.5-bb)
`§ 202.5-b)
`
`INDEX#:
`MJRF#:
`
`02215011
`
`You
`1)
`New
`2)
`
`have
`The
`York
`You
`
`this
`
`Notice
`
`received
`Plaintiff/Petitioner,
`State
`Courts
`E-filing
`a Defendant/Respondent
`
`are
`
`because:
`whose
`system
`(a
`
`name
`
`listed
`is
`("NYSCEF"),
`in
`party)
`
`has
`
`filed
`
`this
`
`case
`
`using
`
`the
`
`above,
`and
`
`this
`
`case.
`
`*
`If
`Give
`
`you
`this
`
`represented
`are
`Notice
`to
`
`your
`
`an
`by
`attorney.
`
`attorney:
`(Attorneys:
`
`see
`
`"Information
`
`for
`
`Attorneys"
`
`pg.
`
`2).
`
`represented
`with
`
`all
`choose
`
`you
`
`If
`
`*
`You
`in
`
`you
`will
`paper,
`
`not
`are
`served
`be
`unless
`
`choose
`or
`
`to
`
`an
`
`an
`by
`documents
`participate
`to
`
`attorney:
`in
`
`paper
`in
`
`and
`e-filing.
`
`you
`
`must
`
`serve
`
`and
`
`file
`
`your
`
`documents
`
`you
`
`must
`into
`service
`
`access
`
`have
`electronic
`of
`documents.
`
`to
`format,
`
`a
`
`computer
`connection
`a
`
`and
`
`a
`
`to
`
`the
`
`to
`
`you
`If
`scanner
`internet,
`
`The
`*
`*
`*
`*
`
`benefits
`serving
`free
`limiting
`paying
`
`other
`and
`
`of
`
`and
`access
`
`participate
`device
`e-mail
`
`in
`convert
`to
`address
`
`e-filing,
`documents
`receive
`
`participating
`your
`filing
`to
`and
`of
`
`view
`number
`fees
`
`in
`documents
`print
`trips
`on-line
`
`include:
`e-filing
`electronically
`e-filed
`courthouse
`card
`
`documents
`
`needed)
`
`your
`the
`to
`(credit
`
`your
`court
`
`any
`
`register
`To
`*
`visit:
`*
`contact
`contact
`find
`To
`
`for
`or
`for
`e-filing
`http://www.nycourts.gov/efile-unrepresented
`Office
`or
`the
`Clerk's
`information
`be
`found
`legal
`help
`
`information
`
`to
`
`can
`
`more
`
`information
`
`about
`
`how
`
`e-filing
`
`works:
`
`Help
`at
`you
`
`Center
`at
`www.nycourts.gov
`represent
`
`or
`court
`
`the
`
`where
`
`the
`
`case
`
`was
`
`filed.
`
`Court
`
`yourself
`
`visit
`
`www.nycourthelp.gov
`
`*****
`
`INFORMATION
`
`FOR ATTORNEYS
`
`*****
`
`Case:
`
`Consensual
`-------------
`- --
`An
`attorney
`decline
`
`representing
`to
`consent
`
`a party
`
`who
`
`electronic
`
`filing
`
`is
`and
`
`served
`service
`
`with
`
`this
`through
`
`notice
`NYSCEF
`
`must
`for
`
`either
`this
`
`case.
`
`consent
`
`or
`
`Attorneys
`provided
`participate
`password
`
`at
`
`registered
`the
`in
`
`prior
`
`with
`
`NYSCEF
`e-filing
`to
`recording
`
`site.
`must
`
`NYSCEF
`may
`Attorneys
`first
`their
`
`create
`consent
`
`record
`not
`
`their
`registered
`a NYSCEF
`by
`going
`
`consent
`electronically
`NYSCEF
`with
`but
`obtain
`account
`and
`www.nycourts.gov/efile.
`to
`
`in
`intending
`user
`a
`
`the
`
`ID
`
`manner
`to
`and
`
`4 of 14
`
`

`FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`CARLCULVERHOUSE | Account #
`
`8277 | April 21 - May 20, 2023
`
`IMPORTANT
`
`INFORMATION
`
`ABOUT
`
`THIS ACCOUNT
`
`004- 000- 000- G
`
`PAYING INTEREST - We will not charge interest on Purchaseson the next
`CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
`Average Daily Balance Method (including new Purchases):We calculate
`in full by the Payment Due Date,
`statement
`if you pay the New Balance Total
`separate Balances Subject to an Interest Rate for Purchasesand for each
`and you had paid in full by the previous Payment Due Date. We will begin :
`Introductory or Promotional Offer balance consisting of Purchases.We do this
`charging interest on BalanceTransfers and CashAdvances on the transaction
`by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all
`date.
`TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and
`the daily balances together; and (3) dividing the sum of the daily balances by
`the number of days in the billing cycle.
`are compounded on a daily basis. To determine the Interest Charges,we
`To calculate the daily balance for each day in this statement's billing cycle, we:
`multiply each Balance Subject to Interest Rate by its applicable Daily Periodic
`(1) take the beginning balance; (2) add an amount equal to the applicable Daily
`Rate and that result is multiplied by the number of days in the billing cycle. To
`Periodic Rate multiplied by the previous day's daily balance; (3) add new
`determine the total
`Interest Charge for the billing cycle, we add the Periodic
`Purchases,new Account Fees, and new Transaction Fees; and (4) subtract
`Rate Interest Chargestogether. A Daily Periodic Rate is calculated by dividing
`applicable payments and credits. If any daily balance is less than zero we treat
`an Annual Percentage Rate by 365.
`HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to
`it as zero.
`Average Balance Method (including new Balance Transfers and new Cash
`posted balances. If your account has balances with different APRs,we will
`allocate the amount of your payment equal to the Total Minimum Payment Due Advances):We calculate separate Balances Subject to an Interest Rate for
`Balance Transfers, CashAdvances, and for each Introductory or Promotional
`to the lowest APRbalances first (including transactions made after this
`Offer balance consisting of Balance Transfers or CashAdvances.We do this by:
`statement). Payment amounts in excess of your Total Minimum Payment Due
`(1) calculating a daily balance for each day in this statement's billing cycle; (2)
`will be applied to balances with higher APRsbefore balances with lower APRs.
`IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When
`calculating a daily balance for each day prior to this statement's billing cycle
`that had a "Pre-Cycle balance" - a Pre-Cycle balance is a BalanceTransfer or a
`using the optional Pay-by-Phoneservice, you authorize us to initiate an
`institution you designate. CashAdvance with a transaction date prior to this statement's billing cycle but
`electronic payment from your account at the financial
`with a posting date within this statement's billing cycle; (3) adding all the daily
`You must authorize the amount and timing of each payment. For your
`balances together; and (4) dividing the sum of the daily balances by the number
`protection, we will ask for security information. To cancel, call us before the
`of days in this statement's billing cycle.
`scheduled payment date. Same-day payments cannot be edited or canceled.
`To calculate the daily balance for each day in this statement's billing cycle, we:
`YOUR CREDIT LINES - The Total Credit Line is the amount of credit
`(1) take the beginniIg balance; (2) add an amount equal to the applicable Daily
`available for the account; however, only a portion of that is available for Bank
`Periodic Rate multiplied by the previous day's daily balance; (3) add new
`CashAdvances. The CashCredit Line is that amount you have available for
`Balance Transfers, new CashAdvances and Transaction Fees;and (4) subtract
`Bank CashAdvances. Generally, Bank CashAdvances consist of ATM Cash
`applicable payments and credits. If any daily balance is less than zero we treat
`Advances, Over the Counter (OTC) CashAdvances, Same-Day Online Cash
`it as zero.
`Advances, Overdraft Protection CashAdvances. Cash Equivalents, and
`To calculate a daily balance for each day prior to this statement's billing cycle
`applicable transaction fees.
`MISCELLANEOUS - Promotional Rate End Date: This date is based on a
`that had a Pre-Cycle balance: (1) we take the beginning balance attributable
`solely to Pre-Cycle balance (which will be zero on the transaction date of the
`future statement closing date. If you change your payment due date, this date
`first Pre-Cycle balance); (2) add an amount equal to the applicable Daily
`is not a
`could change. The New BalanceTotal which appears on this statement
`interest charges when you pay Periodic Rate multiplied by the previous day's daily balance; (3) and add only
`payoff amount and may be subject to additional
`the applicable Pre-Cycle balances and their related Transaction Fees. We
`in full after your statement closing date. Please contact the customer service
`exclude from this calculation all transactions posted in previous billing cycles.
`number located on the front of this statement
`for a pay-off amount. Virtual
`form of your eligible physical credit cards stored within a
`cards are the digital
`digital wallet.
`
`© 2023 Bank of America Corporation
`
`For the complete terms and conditions of your account, consult your Credit
`Card Agreement. This account is issued and administered by Bank of America.
`Bankof America is a registered trademark of Bank of America Corporation.
`
`- Wecreditmalledpaymentsasof the datereceived,if the paymentis:(1)receivedby5 p.m.localtime at the addressshownon the remittanceportionof your
`PAYMENTS
`monthlystatement;(2)paidwith a checkdrawnin U.5.dollarson a U.S.financialinstitutionor a U.S.dollarmoneyorder;and(3)sentIn the returnenvelopewith onlytheremittance
`portionof yourstatementaccompanyingit Paymentsreceivedby mailafter 5 p.m.localtime at theremittanceaddressonanydayincludingthe PaymentDueDate,butthat otherwise
`meet theaboverequirements,will becreditedasof the nextday.Paymentsmadeonlineor byphonewill becreditedasof thedateof receiptIf madeby5 p.m.Central,Creditfor any
`otherpaymentsmaybedelayedupto five days. Cashpaymentsmadewith our tellerswill onlybeacceptedwith a valid Identification(ID).
`Nopaymentshalloperateasanaccordandsatisfactionwithout the priorwritten approvalof oneof our SeniorOfficers.
`Weprocessmostpaymentcheckselectronicallyby usingthe informationfoundonyourcheck Eachcheckauthorizesus to createa one-timeelectronicfundstransfer(orprocessit asa
`checkor paperdraft). Fundsmaybewithdrawnfrom youraccountassoonas thesamedaywe receiveyourpayment.Checksarenot returnedto you.
`If you haveauthorizedusto payyourcreditcardbill automaticallyfrom yoursavingsor checkingaccountwith us,youcanstopthe paymentonanyamountyouthinkiswrong.Tostop
`payment,yourletter must reachusat feastthree businessdaysbeforethe automaticpaymentis scheduledto occur.
`
`Change of Address/Phone
`
`number: Online at www.bankofamerica.com
`
`Please do not add any written communication
`
`in this space.
`
`8 of 14
`
`AB
`
`

`FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`CARLCULVERHOUSE I Account #
`
`8277 | April 21 - May 20, 2023
`
`Transactions
`Transaction Posting
`Date
`Date
`
`Description
`
`05/20
`05/20
`05/20
`05/20
`
`05/20
`05/20
`05/20
`05/20
`
`Interest Charged
`INTERESTCHARGEDON PURCHASES
`INTERESTCHARGEDON BALANCETRANSFERS
`INTERESTCHARGEDON DIR DEP&CHKCASHADV
`INTERESTCHARGEDON BANK CASHADVANCES
`TOTAL INTEREST CHARGED FOR THIS PERIOD
`
`Reference
`Number
`
`Account
`Nurnber
`
`Amount
`
`Total
`
`35.76
`O.00
`0.00
`5.46
`
`$41.22
`
`Total
`
`fees charged in 2023
`
`Total
`
`Interest
`
`charged In 2023
`
`$156.00
`
`$189.37
`
`Calculation
`Charge
`Interest
`Your Annual Percentage Rate (APR) is the annual Interest rate on your account.
`Annual
`Promotional
`Promotional
`Type of
`Balance
`Percentage
`Transaction
`Offer
`ID
`Rate
`Type
`
`Purchases
`Balance Transfers
`Direct Deposit and Check Cash
`Advances
`Bank Cash Advances
`
`25.74%V
`25.74%V
`28.74%V
`
`29.74%V
`
`APRType Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)
`
`Promotional
`Rate End
`Date
`
`Balance
`Subject
`Interest
`Rate
`
`to
`
`Interest
`Charges by
`Transaction
`Type
`
`$
`$
`$
`
`$
`
`1,690.48
`O.00
`0.00
`
`223.23
`
`$
`$
`$
`
`$
`
`35.76
`0.00
`0.00
`
`5.46
`
`Important
`
`Messages
`
`Your statement
`balance under
`
`balance exceeds the Total Credit Line. To ensure uninterrupted
`use of your account, please make a payment
`the Total Credit Line. There Is no fee for being over your Total Credit Line.
`
`to bring your
`
`When this statement was created,
`
`the account's Credit Line was in a restricted
`
`status and not available for use.
`
`In either Braille or Large Print by calling 800.432.1000
`You can request a copy of this statement
`VIsually Impaired Access from the home page.
`
`or going to bankofamerica.com
`
`and enter
`
`Please read about
`important
`page.
`Important
`Information
`
`amendment(s)
`
`to your Credit Card Agreement
`
`and/or
`
`notices
`
`for your account
`
`on the enclosed
`
`Please
`
`see important
`
`information
`
`entitled
`
`"Your
`
`Rights"
`
`Billing
`
`on the following
`
`pages.
`
`9 of 14
`
`Page3 of 8
`
`

`FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`CARLCULVERHOUSE I Account #
`
`8277 [ April 21 - May 20, 2023
`
`I
`
`Do
`
`you
`
`follow
`
`us
`
`on
`
`social
`
`media?
`
`Connect
`
`with
`
`us on Facebook
`
`and
`
`Twitter
`
`for
`
`timely
`about
`how
`
`information
`
`and
`
`to
`
`leam
`
`more
`
`to
`
`reach
`
`your
`
`financial
`
`goals.
`
`When you usethe QRCfeaturecertain information is collectedfrorn your mobile devicefor
`businesspurposes.
`ssuas-22-01aocI 4718133
`
`10 of 14
`
`Page4 of 8
`
`

`FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`CARLCULVERHOUsE I Account #
`
`8277 | April 21 - May 20, 2023
`
`Important
`
`Information
`
`Please
`
`details
`
`read
`
`that
`
`the
`
`information
`
`below
`
`to
`
`stay
`
`informed
`
`about
`
`changes
`
`or
`
`other
`
`important
`
`may
`
`impact
`
`you.
`
`We are
`some
`terms
`Agreement.
`Card
`Credit
`your
`of
`changing
`below. All other
`The amendment
`Credit Card
`of your current
`terms
`is outlined
`to your Credit Card Agreement
`Agreement
`there
`the terms
`still apply.
`If
`is a conflict,
`in this amendment
`are in effect.
`Please keep this document
`for your
`records.
`
`We are making
`
`this amendment
`
`because
`
`of a change
`
`in our business
`
`practices.
`
`What
`
`you
`
`need
`
`to
`
`know
`
`We have removed
`from your Credit Card Agreement
`Cash
`fee for Balance
`any Minimum Transaction
`Transfers,
`Advances
`and Check Cash Advances),
`Direct Deposit, Over
`(ATM, Cash Equivalent,
`the Counter, Same-Day Online,
`and Wire Transfer
`as applicable.
`Purchases,
`
`AND FEES section, we have removed
`FEES in the INTEREST
`TRANSACTION
`the heading
`Under
`any Minimum
`Transaction
`fee (for example
`Direct Deposit,
`Check Cash Advance, Cash
`for Balance
`"(Fee: Min $10.00)")
`Transfer,
`ATM Cash Advance, Over
`the Counter Cash Advance,
`Same-Day Online Cash Advance,
`and Wire
`Equivalent,
`Transfer
`Purchase
`as applicable.
`The disclosed
`percentage
`amount
`these Transaction
`for
`fees
`transactions,
`unchanged.
`
`remain
`
`ACT
`OPPORTUNITY
`EQUAL
`NOTICE
`CREDIT
`on the basis of
`Act prohibits
`The Federal Equal Credit Opportunity
`applicants
`credit
`against
`creditors
`from discriminating
`national
`to enter
`has the capacity
`into a binding
`sex, marital
`age (provided
`the applicant
`race, color,
`religion,
`origin,
`status,
`because
`all or part of
`the applicant's
`derives
`from any public
`assistance
`income
`or because
`the applicant
`contract);
`program;
`that administers
`has in good faith
`exercised
`any right
`the Consumer
`Credit Protection
`Act. The federal
`under
`agency
`compliance
`this
`law concerning
`N.A., 100 N. Tryon Street, Charlotte,
`with
`Bank of America,
`NC 28255,
`is the Bureau of
`Consumer
`1 700 G Street NW, Washington,
`Financial
`DC 20006.
`Protection,
`
`BILLING
`
`YOUR
`This Document
`
`Keep
`
`RIGHTS
`
`For Future
`
`Use
`
`This
`
`notice
`
`tells
`
`you
`
`about
`
`your
`
`rights
`
`and
`
`our
`
`responsibilities
`
`under
`
`the
`
`Fair Credit
`
`Billing
`
`Act.
`
`To Do If You Find A Mistake
`What
`If you think
`there
`is an error on your
`
`On Your
`statement,
`
`5tatement
`write
`to us at:
`
`Bank of America
`P.O. Box 672050
`Dallas, TX 75267-2050
`
`In your
`
`letter,
`
`give us the following
`
`information:
`
`"
`"
`"
`
`Your name and account
`Account
`number.
`information:
`amount
`Dollar amount:
`the suspected
`error.
`The dollar
`of
`If you think
`there
`is an error on your bill, describe what
`Description
`of problem:
`it
`is a mistake.
`
`you believe
`
`is wrong
`
`and why you believe
`
`Note:
`
`It
`
`is very helpful
`
`if your
`
`letter
`
`includes
`
`the transaction
`
`date and the reference
`
`number
`
`for
`
`the charge,
`
`If available.
`
`You must
`
`contact
`
`us:
`
`11 of 14
`
`Page5of 8
`
`

`FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`CARLCULVERHOUSE | Account #
`
`8277 | April 21 - May 20, 2023
`
`" Within
`60 days after
`"
`At
`least 3 business
`is wrong.
`
`statement.
`on your
`the error appeared
`payment
`an automated
`is scheduled,
`days before
`
`if you want
`
`to stop payment
`
`on the amount
`
`you think
`
`You must notify
`do we are not
`
`us of any potential
`required
`to investigate
`
`in writing
`errors
`any potential
`
`banking. You may call us, but
`or mobile
`using online
`or electronically
`and you may have to pay the amount
`in question.
`errors
`
`if you
`
`What Will Happen
`
`After We Receive
`
`Your
`
`Letter
`
`When we receive
`
`your
`
`letter, we must do two things:
`
`1. Within
`already
`2. Within
`correct.
`
`30 days of
`corrected
`90 days of
`
`receiving
`the error.
`receiving
`
`your
`
`letter, we must
`
`tell you that we received
`
`your
`
`letter. We will also tell you if we have
`
`your
`
`letter, we must either
`
`correct
`
`the error or explain
`
`to you why we believe
`
`the bill
`
`is
`
`While we investigate
`
`whether
`
`or not
`
`there
`
`has been an error:
`
`" We cannot
`you as delinquent
`report
`in question,
`the amount
`try to collect
`or
`"
`on your
`and we may continue
`The charge
`in question may remain
`statement,
`" While you do not have to pay the amount
`you are responsible
`for
`in question,
`" We can apply any unpaid
`your Total Credit
`amount
`against
`Line.
`
`amount.
`on that
`on that amount.
`to charge
`you interest
`the remainder
`of your balance.
`
`After we finish
`
`our
`
`investigation,
`
`one of
`
`two things will happen:
`
`"
`
`"
`
`there was a mistake:
`
`You will not have to pay the amount
`
`in question
`
`If we determine
`to that amount.
`If we do pot believe
`applicable
`along with
`in question,
`You will have to pay the amount
`there was a mistake:
`you owe and the date payment
`of
`fees. We will
`send you a statement
`the amount
`is due. We may then report
`if you do not pay the amount we think
`to credit
`you owe.
`delinquent,
`agencies,
`including
`reporting
`
`or any interest
`
`or other
`
`fees
`
`related
`
`and
`
`interest
`you as
`
`to us within
`you must write
`your bill
`but still believe
`If you receive
`is wrong,
`our explanation
`also reporting
`If you do so, we cannot
`refuse
`to pay.
`that
`without
`you as delinquent
`report
`tell you the name of anyone
`you as delinquent,
`and we must
`to whom we reported
`let
`those
`has been settled
`between
`us.
`
`us that you still
`10 days telling
`your bill. We must
`you are questioning
`know when the matter
`organizations
`
`If we do not
`correct.
`
`follow all of
`
`the rules above,
`
`you do not have to pay the first
`
`$50 of
`
`the amount
`
`you question
`
`even if your bill
`
`is
`
`Your Rights
`
`If You Are Dissatisfied
`
`With
`
`Your Credit
`
`Card Purchases
`
`If you are dissatisfied
`with
`to correct
`the problem with
`
`you have purchased with
`that
`the goods
`your credit
`or services
`you may have the right not
`to pay the remaining
`the merchant,
`
`in good faith
`card, and you have tried
`due on the purchase.
`amount
`
`To use this
`
`right,
`
`all of
`
`the following
`
`must be true:
`
`1. The purchase must have been made in your home
`state
`and the
`current mailing
`100 miles of your
`or within
`address,
`purchase
`price must have been more than $50.
`if your purchase was based on an
`these
`(Note: Neither
`are necessary
`of
`to you, or
`if we own the company
`sold you the goods
`advertisem*nt
`we mailed
`or services.)
`that
`Purchases made with Cash Advances,
`2. You must have used your credit
`card for
`the purchase.
`for
`a check
`with
`that accesses
`your credit
`do not qualify.
`card account,
`3. You must not yet have fully paid for
`the purchase.
`
`instance
`
`from an ATM or
`
`If all of
`mobile
`
`the criteria
`or
`banking
`
`above are met and you are still
`in writing
`at:
`
`dissatisfied
`
`with
`
`the purchase,
`
`contact
`
`us electronically
`
`using online
`
`or
`
`Page6 of 8
`
`12 of 14
`
`

`FILED: ERIE COUNTY CLERK 07/27/2023 03:22 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 809469/2023
`
`RECEIVED NYSCEF: 07/27/2023
`
`CARLCULVERHOUSE | Account #
`
`8277 | April 21 - May 20, 2023
`
`Bank of America
`P.O. Box 672050
`Dallas, TX 75267-2050
`
`While we investigate,
`tell you our decision.
`
`to the disputed
`the same rules apply
`amount
`if we think
`that point,
`you owe an amount
`At
`
`as discussed
`above. After we finish
`and you do not pay, we may report
`
`our
`investigation,
`you as delinquent.
`
`we will
`
`©2023 Bank of America Corporation.
`
`All rights
`
`reserved.
`
`13 of 14
`
`Page7 of 8
`
`

BANK OF AMERICA N.A. v. CARL CULVERHOUSE, 809469/2023, 1 (N.Y. Sup. Ct., Erie County Jul. 27, 2023) (2024)

We are redirecting you
to a mobile optimized page.

References

BANK OF AMERICA N.A. v. CARL CULVERHOUSE, 809469/2023, 1 (N.Y. Sup. Ct., Erie County Jul. 27, 2023) (2024)

We are redirecting youto a mobile optimized page.

References

We are redirecting you
to a mobile optimized page.