Preview
FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
STATE OF NEWYORK
SUPREMECOURT : COUNTYOF TIOGA
_____________________________________
VISIONS FEDERALCREDIT UNION
24 McKinley Avenue SUMMONS
Endicott, New York 13760,
INDEX NO:
Plaintiff
-against-
PAUL M. BALOG JR
255 Front Street
Owego, New York 13827,
Defendant.
_____________________________________
CONSUMERCREDIT TRANSACTION
TO THE ABOVE-NAMEDDEFENDANT:
YOU ARE HEREBYSUMMONED and required to serve upon
Plaintiff's attorney an Answer to the Complaint in this action
within twenty days after the service of this Summons, exclusive
of the day of service, if this Summons is personally delivered
to you within the State of New York, or within thirty days after
service is complete, if this Summons is not personally delivered
to you within the State of New York. In case of your failure to
answer, judgment will be taken against you by default and for
the relief demanded in the Complaint.
of residence
The County of Defendant is Tioga County, and
the county where the consumer credit transaction took place is
Tioga County.
The basis of the venue designate e county where the
Defendant resides.
Dated: May 20, 2024
Wi M. Thomas .
ASWAD & INGRAHAM, LLP
Attorneys for Plaintiff
Office and P. O. Address
46 Front Street
Binghamton, New York 13905
Telephone: (607) 722-3495
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FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
STATE OF NEWYORK
SUPREMECOURT : COUNTYOF TIOGA
_____________________________________
VISIONS FEDERAL CREDIT UNION
24 McKinley Avenue COMPLAINT
Endicott, New York 13760,
INDEX NO:
Plaintiff,
-against-
PAUL M. BALOG JR
255 Front Street
Owego, New York 13827,
Defendant.
_____________________________________
The Plaintiff, by its attorneys, Aswad & Ingraham, LLP, for
its complaint herein, alleges:
1. That the Plaintiff was at all times hereinafter
mentioned and still is, a Federal Credit Union with a principal
place of business at 24 McKinley Avenue, in the Village of
Endicott, County of Broome and State of New York.
2. That upon information and belief, the Defendant resides
at: 255 Front Street, Owego, New York 13827.
3. That for the purpose of obtaining a line of credit and
other credit rights, the Defendant entered, and executed a
Credit Card Agreement with the Plaintiff which provided for a
credit line and an arrangement for payment of the debt to the
Plaintiff. That Agreement is identified as follows: Dated:
August 4, 2020; Approved Line of Credit: $3,000.00; Last four
digits of account number: 7100. A copy of said Agreement is
attached hereto.
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FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
4. That the Defendant has defaulted on its obligation
under the Agreement to make the full payment due on August 28,
2023.
5. That the last payment made by Defendant to Plaintiff
on this obligation was received August 23, 2023, in the amount
of $100.00.
6. That due demand for payment has been made, the
necessary payments have not been made, and the entire amount
owing, with interest, is now in default and due and payable.
7. That attached hereto is the most recent statement of
account related to this obligation, which was provided to
Defendant on or about March 1, 2024. Also, attached is a copy
of the most recent monthly statement recording a purchase
transaction, last payment, or a balance transfer. The statement
shows an account balance of $2,966.76 as of August 31, 2023.
8. That the amount due is as follows: $2,994.81, which was
the amount owed at the time of charge off, plus interest in the
amount of $118.40 from January 30, 2024 the date of charge-off,
at the per annum rate of 13.0%, plus interest to the date of
judgment, plus attorney fees to be determined by the Court and
costs and disbursements in the approximate amount of $700.00.
the
WHEREFORE Plaintiff demands judgment against the
Defendant in the amount of $2,994.81, which was the amount owed
at the time of charge off, plus interest from January 30, 2024
at the per annum rate of 13.0%, plus attorney fees to be
2
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FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
determined by the Court and costs and disbursements in the
approximate amount of $700.00, and for such other and further
relief as to the Court may seem just and proper.
Dated: May 20, 2024
William M. Thomas ˆsq.
ASWAD& INGRAHAM, LLP
Attorneys for Plaintiff
Office and P.O. Address
46 Front Street
Binghamton, New York 13905
Tele.: 607-722-3495
3
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FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
VERIFICATION OF COMPLAINT
STATE OF NEWYORK )
COUNTYOF BROOME ) ss.:
CHRISTOPHERALFARANO being duly sworn, did depose and say that
he is the Vice President/Chief Lending Officer of Visions
Federal Credit Union, the Corporation named in the within
action; that deponent has read the foregoing Complaint and knows
the contents thereof; and that the same is true to deponent's
own knowledge, except as to the matters therein stated to be
alleged on information and belief, and as to those matters
deponent believes it to be true. This verification is made by
deponent because Visions Federal Credit Union is a Federal
Credit Union. Deponent is an officer thereof, to-wit, its Vice
President/Chief Lending Officer. The grounds of deponent's
belief as to all matters not stated upon deponent's knowledge
are from review of the Credit Union files.
C ristophe Alfarano
Sworn to b fore e this
Da day f , 2024
Notary Public
CAROLPARISOT
Nofary Public - State
of New
No. York
OIPA6075430
Won, ua led inFioga
'm Emires County
June 3, 20
4
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FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
VISIONS
F E D E RA L CRE D I T U N I ON
24 McKinley Ave " Endicott, NY 13760-5491 " 800.242.2120 " Fax 607.754.9772
January 30th, 2024
PAULM BALOGJR
255 FRONTSTREET
NY 13827
OWEGO,
Dear Member:
Re: Notification of Charge Off on Member # XXXXXX7100
This is to advise you that on 01130/2024 we formally charged off a total of $ 2 , 994 . 81 as an
unreimbursed loss due to one of the following action(s) associated with your Visions membership:
L 9 0 VISA PLATINUM
The charged off amount shown may not reflect any subsequent payments or charge offs after that date.
If the total of your unreimbursed loss(es) is $250.00 or more you are subject to possible expulsion from
Visions. The credit union may exercise its right to terminate services as outlined in the policy printed on
the reverse.
Visions may hold a special member meeting to take action on your membership under this policy. If held,
the meeting will be the third Wednesday of June. A notice announcing the meeting will be posted in the
Visions'
second quarter edition of financial magazine, which is available to all members on record.
If you do not have any other open loans, are not a co-signer on another member's loan, and wish
to close your membership, please complete the section below and return it in the envelope provided. If
you would like to take other action or discuss this further, please contact:
Employee: WILLIAM HEWITT Member Solutions Department, 800.242.2120 ext. 10270
Member Name: PAULM BALOGJR Member Number: XXXXXX7100
El Ido not have any open loan(s) nor am I a co-signer on any open, outstanding loan(s) on
another member's account. Please close my account now, and send any remaining
balance to which I may be legally entitled via check to the address listed on my account.
Member Signature: Date:
Detach and return this portion in the pre-addressed envelope provided.
MemberSolutions Department, 800.242.2120 ext. 10270 CODate: 01/30/2024
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FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
Keep Por Your Records 24 McKinley Avenue 324848
Check No Endicott, NewYork 13760-5491 CARDNUMBER
(800) 242-2120 ..-- -. .- --- - - .
Check Amt: visionsfou.org
F DERALCRRD1T UNION
Date:
AMOUNT
OFPAYMENT
ENCLOSED
If u use a bill syln serv1ce,
ase use cre t car number
CLOSINGDATE, NEW
BALANCE MINIMUMPAYMENT PAYMENT DUEDATE
arromittances. 08/31/23 $2,966.76 $132.00 09/28/23 -
MAKEcHECKSPAYABLE TO:
It h"IllllH ll'lull' bl"' ' " ']
PAULMBALOGJR Visions Federal Credit Union
POBOX375 POBox 630685
OWEGONY13827 OH45283-0885
Cincinnati
454306599002292712D0013200002966769
PLEASERETURNTHIS PORTIONTO ENSURE
PROPER
CREDIT
24 McKinley Avenue
-----..
Endicott, NewYork 13760-5491
"°""-""'""°° T²fc²1'²°
STATEMENT
OF ACCOUNT Page 1 of 6
Account NumbÈr: 100 . edit CerdÑumber: XXXXXXXXXXXX
2712
Stateme t Perfÿcl 08/0U ` throughi8/ I/23 Å count escription: ID 90 VISA PLATINUM .
Preylo 5 issil ce $ 999.86 TotalNewBalance $2,966 76
Payrnents ; . $100;00 Minimum Payment Due $132.00
Other redits 40110 Payment Due Date '09/28/23
Purchases +$14ü5 Late Payment Warning; If we do not receive your minimum payment
Cash Advances . +$0.00 within 14 days of the date listed above, you will be assessed a late
Fees and Other Debits . . +$20.00 fee of $20 00.
Interest Charged 4$31.95 Minimum PaymentWarning: If you make only the minimum payment
Neƒ Balance $2,966.76 each period, you will pay moUèin Interest and it will take you longer to
example-
pay off your balance For
'
pus $73.00 4 If yð0 make-ho 'Arld
r efid upwopilJ
Past Arnount */þlly/illphy off the
Cre(lit Litnit $3,000,00 adÆttonal charges Osin! bÆlahde shóuffo& payirig
Available Credit $33.24 thfs barst and eqch tbts state(n4fit irl infestJntated s
Statement Date 08/31/2023 m0nth fou pay about total of...
Days in billing cycle S1 Only the minimum 14 years $5,552.00
Que5cions? 53,672 00
Contact Center: 800.242.2120 $102,00 3 Years
(Savings ± $1,880 00)
Lost pr Stolen Credit Card: 833,224,5785. If you would like Information about credit counseling services,
To access Rewards: 888.211438Ï Please call 1-877-277-4032.
Website: www.visionsfcu.org Send billing inquines and correspondence to.
24 McKinley Ave., Endloott, NY13760
Post Tran Reference Description Aniount
08/12 08/12 Visa Late Fee 2ÖdÖ0
08/31 See Fee SummaryBelow
08/23 08/23 15ayment Transfer From Share 08 -100.00
08/27 08/27 Recurring Purchase Bill Payment #323926106361 14.95
Audibl#T36QLOAIVl0. Amzn com/bill NJ
FEE.SUMMARY
Notice: See reverse side for important information.
NEWYORKRE91DENTSMAYCONTAC1T TO OBTAINA COMPARATIVELISTING OFCREDIT
TEíENEWŽO.R STATE.BANKINGDEPARTMENT
CARDRATES,FEESANDGRACEPERIQDS NEW YORKnTATEBANKNG DEPARTMENT
800.618.8866
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FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
VISIONS ~450:-
VISloNS Federal C redit Unlon
FEDERALCREDITUNION V 8 oflSfCU.0IQ Account Number 100
Statement Period: 08/01/2023 thru 08/31/2023
Page 3 of 6
Post Tran Reference Description Amount
Date Description Amount
08/12 Visa Late Fee $20.00
TOTALFEES FORTHIS PERIOD $20.00
INTERESTCHARGED
Interest Charged on Purchases $31.95
Interest Charged on Cash Advances $0.00
TOTALINTERESTFORTHIS PERIOD $31.95
YEARTODATETOTALS
Total Fees Year to Date $40.00
Total Charged This Year
Interest $124.59
Your Annual Percentage Rate (APR) is the annual on your account
interest rate
BaTenie Subjgct to
Type of Balan-ce Annual Percenta eBate (APR) Interest Ratp iriterest Cha gé _
Purchases 13 000% (v) $2,893.58 $31.95
Cash Advances 13.000% $0.00 $0,00
(v) Variable rate
Total available points balance = 29,868
Points next to expire on 12/31/2024 = 17,255
For the rnost current point balance, or to request a redernption, the
"Rewards"
select option from your online banking
account at visionsfou.o or call 888.211.8384.
Credit card security matters. In addition to your credit card's
built-in protections and fraud monitoring, you can help us defend
against fraudsters and theft with these security tips:
-Only makeonline purchases from trusted, secure sites (https)
-Monitor your card in digital banking for any suspicious transactions
-Save our Fraud Monitoring short code (23618) in your phone's contacts
-Slgn up for Visa Purchase Alerts
For quidance with these tips and more, visit visionsfcu,org/security.
8 of 20
FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
Keep For Your Records 24 McKinley Avenue 324848
Check No: Endicott, NewYork 13760-5491 CARDNUMBER
(800) 242-2120
Check Amt: . visionsfcu.org
E EFIAL CREDIT UNION
Date:
AMOUNTOFPAYMENTENCLOSED
If you use a bill ayin
lease use cre t car
service
number
CLOSINGDATE NEWBALANCE MINIMUMPAYMENT AŽMˆNTDUEDATE
or remittances. 02/29/24 $2,994.81 $572.00 03/28/24
MAKECHECKSPAYABLE
TO:
PAUL MBALOGJR Visions Federal Credit Union
POBOX375 POBox 630685
OWEGONY13827 Cincinnati OH45263-0685
45430654400229271200057200002994818
PLEASE RETURNTHIS PORTIONTOENSURE
PROPERCREDIT
_.__________ ________._____ ___________----------------------- ----------------------------------------------------------- ---
OVS Endicott, NewYork 13760-5491
~="" ca- ""'"- 242-2 20
OF ACCOUNT
STATEMENT Page 1 of 6
Account Number: '100 Credit Card Number: XXXXXXXXXXXX2712
Staternent Period: 02/01/24 through 02/29/24 Account Description: ID 90 C/OVISA PLATINUM
Payment Information
Previous Balance $2,994.81 Total NewBalance $2,994.81 I
Payments -$0.00 Minimum Payment Due $572.00
Other Credits -$0.00 Payment Due Date 03/28/24
Purchases +$0.00 Late Payment Warning: If we do not receive your minimumpayment
Cash Advances +$0.00 within 14 days of the date listed above, you will be assessed a late
Fees and Other Debits +$0.00 fee of $20.00.
Interest Charged +$0.00 Minimum Payment Warning: If you make only the minimumpayment
NewBalance $2,994.81 each period, you will pay more in interest and it will take you longer to
pay off your balance. For example:
Past Due Amount $483.00 , If you make no You will pay off the And you will
Credit Limit $0.00 additional charges using balance shown on end up paying
Available Credit $0.00 this card and.each this statement in an estimated
Statement Date 02/29/2024 month you pay... about... total of...
Days in cycle 29 Only the minimum 6 years $2,994.00
billing
Questions?
Contact Center: 800.242.2120 $85.00 3 Years
(Sav s = $0.00)
Lost or Stolen Credit Card: 833.224.5785 Ifyou would like information about credit counseling services
To access Rewards: 888.211.8384 please call 1-877-277-4932.
Website: www.visionsfou.org Send billing inquiries and conespondence to:
24 McKinley Ave., Endicott, NY13760
Post Tran Reference Description Amount
No transactions this period
FEE SUMMARY
TOTALFEESFORTHIS PERIOD $0.00
Notice: See reverse side for Important Information.
NEWYORKRESIDENTSMAYCONTACT THENEWYORK TOOBTAINA COMPARATIVE
STATEBANKING DEPARTMENT LISTING OFCREDIT
CARDRATES, FEES ANDGRACE
PERIODS.NEWYORKSTATEBANKINGDEPARTMENT800.518.8866
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FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
O
VISIONS Federal Credit Union
SVT 24 McKinley A venue
Endicott, New York 13760-5491
enamÄuniom v sionsfeu.org Account Number '100
Statement Period: 02/01/2024 thru 02/29/2024
Page 3 of 6
Post Tran Reference Description Amount
INTERESTCHARGED
Interest Charged on Purchases $0.00
Interest Charged on Cash Advances $0.00
TOTALINTERESTFORTHIS PERIOD $0.00
YEARTODATETOTALS
Total Fees Year to Date $0.00
Total Interest Charged This Year $0.00
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Balance Subject to
Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge
Purchases 0.000% $2,906.12 $0.00
Cash Advances 0.000% $0.00 $0.00
(v)
= Variable rate
Whether you're aiming for a short-term yield or long-term investment,
it's hard to beat great reliable rates. Thats why we offer a variety
of Share Certificates and other savings accounts with flexible terms
and competitive rates. Visit visionsfcu.org/rates to compare our rates
and start savin toda .
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FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700
NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024
VISIONS
F E D E RA L CRE D T U N ON I I
APPLICATION
24 McKinley Ave. " Endicott, NY 13760-5491
There are coslS aSsociated with the use of a credit card. Information about costs, rates and fees may be contained in disclosures provided with this
application or by calling us tolbfree or collect at 1-800-242-2120 or writing to us at the address stated on this application.
Check below to indicate the type of credit for which you are applyIng. Married Applicants rnay apply for a separate account.
Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if
1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA,
WI)
2. your spouse will use the account, or
3. you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate
maintenance, complete the Other section to the extent possible about the person on whose payments you are relying.
Joint Credit: Each Applicant must Individually complete appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant
box.
LOANLINERAccount/Loan: O individual O Joint Credit Card Account: ¡ Individual O Joint
(Including ATM/Debit card access to the account if available)
If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit (sign below):
Applicant Date Co-Applicant Date
Amount Requested $
Purpose/Collateral:
B Credit Limit Requested $ 3,000.00
If Authorized User, Name:
Visa Platinurn /
PAYMENT
PROTECTION Are you interested in having your loan protected? OYES NO
If you answer "yes", the credit union will disclose the cost to protect your IMan. The protection is voluntary and does not affect your loan approval. In
order for your loan to be covered, you will need to sign a separate applicatio7 that explains the terms and conditions.
APPLICANT OTHER OCO-APPLICANT ¤ SPOUSE O GUARANTOR ¡ OTHER
NAME NAME
PAULM BALOGJR
Acmi miT NUMBER SOCIALSECURITYNUMBER ACCOUNT
NUMBER SOCIALSECURITYNUMBER
7100
BIRTH DATE tran. AuuMted BIRTH DATE EMAIL ADDRESS
PAULMBALOG@GMAIL.COM
HUME
PUUNE CELL PHONE BUSINESSPHONE/EXT. HOME
PHONE CELL PHONE BUSINESSPHONE/EXT.
(610) 653-4118 (610) 653-4118 (607)751-2000 0-
nmum· · ---
:SE NUMBER/STATE AGESOFDEPENDENTS DRIVER'SLICENSENUMBER/STATE AGESOFDEPENDENTS
PRESENT (Streal - CIty- State-Zip)
ADDRESS
190FRONTSTREET2NDFLREAR
¡ OWN RENT PRESENT (Street - City -State - Zip)
Preview
FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 STATE OF NEWYORK SUPREMECOURT : COUNTYOF TIOGA _____________________________________ VISIONS FEDERALCREDIT UNION 24 McKinley Avenue SUMMONS Endicott, New York 13760, INDEX NO: Plaintiff -against- PAUL M. BALOG JR 255 Front Street Owego, New York 13827, Defendant. _____________________________________ CONSUMERCREDIT TRANSACTION TO THE ABOVE-NAMEDDEFENDANT: YOU ARE HEREBYSUMMONED and required to serve upon Plaintiff's attorney an Answer to the Complaint in this action within twenty days after the service of this Summons, exclusive of the day of service, if this Summons is personally delivered to you within the State of New York, or within thirty days after service is complete, if this Summons is not personally delivered to you within the State of New York. In case of your failure to answer, judgment will be taken against you by default and for the relief demanded in the Complaint. of residence The County of Defendant is Tioga County, and the county where the consumer credit transaction took place is Tioga County. The basis of the venue designate e county where the Defendant resides. Dated: May 20, 2024 Wi M. Thomas . ASWAD & INGRAHAM, LLP Attorneys for Plaintiff Office and P. O. Address 46 Front Street Binghamton, New York 13905 Telephone: (607) 722-3495 1 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 STATE OF NEWYORK SUPREMECOURT : COUNTYOF TIOGA _____________________________________ VISIONS FEDERAL CREDIT UNION 24 McKinley Avenue COMPLAINT Endicott, New York 13760, INDEX NO: Plaintiff, -against- PAUL M. BALOG JR 255 Front Street Owego, New York 13827, Defendant. _____________________________________ The Plaintiff, by its attorneys, Aswad & Ingraham, LLP, for its complaint herein, alleges: 1. That the Plaintiff was at all times hereinafter mentioned and still is, a Federal Credit Union with a principal place of business at 24 McKinley Avenue, in the Village of Endicott, County of Broome and State of New York. 2. That upon information and belief, the Defendant resides at: 255 Front Street, Owego, New York 13827. 3. That for the purpose of obtaining a line of credit and other credit rights, the Defendant entered, and executed a Credit Card Agreement with the Plaintiff which provided for a credit line and an arrangement for payment of the debt to the Plaintiff. That Agreement is identified as follows: Dated: August 4, 2020; Approved Line of Credit: $3,000.00; Last four digits of account number: 7100. A copy of said Agreement is attached hereto. 2 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 4. That the Defendant has defaulted on its obligation under the Agreement to make the full payment due on August 28, 2023. 5. That the last payment made by Defendant to Plaintiff on this obligation was received August 23, 2023, in the amount of $100.00. 6. That due demand for payment has been made, the necessary payments have not been made, and the entire amount owing, with interest, is now in default and due and payable. 7. That attached hereto is the most recent statement of account related to this obligation, which was provided to Defendant on or about March 1, 2024. Also, attached is a copy of the most recent monthly statement recording a purchase transaction, last payment, or a balance transfer. The statement shows an account balance of $2,966.76 as of August 31, 2023. 8. That the amount due is as follows: $2,994.81, which was the amount owed at the time of charge off, plus interest in the amount of $118.40 from January 30, 2024 the date of charge-off, at the per annum rate of 13.0%, plus interest to the date of judgment, plus attorney fees to be determined by the Court and costs and disbursements in the approximate amount of $700.00. the WHEREFORE Plaintiff demands judgment against the Defendant in the amount of $2,994.81, which was the amount owed at the time of charge off, plus interest from January 30, 2024 at the per annum rate of 13.0%, plus attorney fees to be 2 3 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 determined by the Court and costs and disbursements in the approximate amount of $700.00, and for such other and further relief as to the Court may seem just and proper. Dated: May 20, 2024 William M. Thomas ˆsq. ASWAD& INGRAHAM, LLP Attorneys for Plaintiff Office and P.O. Address 46 Front Street Binghamton, New York 13905 Tele.: 607-722-3495 3 4 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 VERIFICATION OF COMPLAINT STATE OF NEWYORK ) COUNTYOF BROOME ) ss.: CHRISTOPHERALFARANO being duly sworn, did depose and say that he is the Vice President/Chief Lending Officer of Visions Federal Credit Union, the Corporation named in the within action; that deponent has read the foregoing Complaint and knows the contents thereof; and that the same is true to deponent's own knowledge, except as to the matters therein stated to be alleged on information and belief, and as to those matters deponent believes it to be true. This verification is made by deponent because Visions Federal Credit Union is a Federal Credit Union. Deponent is an officer thereof, to-wit, its Vice President/Chief Lending Officer. The grounds of deponent's belief as to all matters not stated upon deponent's knowledge are from review of the Credit Union files. C ristophe Alfarano Sworn to b fore e this Da day f , 2024 Notary Public CAROLPARISOT Nofary Public - State of New No. York OIPA6075430 Won, ua led inFioga 'm Emires County June 3, 20 4 5 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 VISIONS F E D E RA L CRE D I T U N I ON 24 McKinley Ave " Endicott, NY 13760-5491 " 800.242.2120 " Fax 607.754.9772 January 30th, 2024 PAULM BALOGJR 255 FRONTSTREET NY 13827 OWEGO, Dear Member: Re: Notification of Charge Off on Member # XXXXXX7100 This is to advise you that on 01130/2024 we formally charged off a total of $ 2 , 994 . 81 as an unreimbursed loss due to one of the following action(s) associated with your Visions membership: L 9 0 VISA PLATINUM The charged off amount shown may not reflect any subsequent payments or charge offs after that date. If the total of your unreimbursed loss(es) is $250.00 or more you are subject to possible expulsion from Visions. The credit union may exercise its right to terminate services as outlined in the policy printed on the reverse. Visions may hold a special member meeting to take action on your membership under this policy. If held, the meeting will be the third Wednesday of June. A notice announcing the meeting will be posted in the Visions' second quarter edition of financial magazine, which is available to all members on record. If you do not have any other open loans, are not a co-signer on another member's loan, and wish to close your membership, please complete the section below and return it in the envelope provided. If you would like to take other action or discuss this further, please contact: Employee: WILLIAM HEWITT Member Solutions Department, 800.242.2120 ext. 10270 Member Name: PAULM BALOGJR Member Number: XXXXXX7100 El Ido not have any open loan(s) nor am I a co-signer on any open, outstanding loan(s) on another member's account. Please close my account now, and send any remaining balance to which I may be legally entitled via check to the address listed on my account. Member Signature: Date: Detach and return this portion in the pre-addressed envelope provided. MemberSolutions Department, 800.242.2120 ext. 10270 CODate: 01/30/2024 6 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 Keep Por Your Records 24 McKinley Avenue 324848 Check No Endicott, NewYork 13760-5491 CARDNUMBER (800) 242-2120 ..-- -. .- --- - - . Check Amt: visionsfou.org F DERALCRRD1T UNION Date: AMOUNT OFPAYMENT ENCLOSED If u use a bill syln serv1ce, ase use cre t car number CLOSINGDATE, NEW BALANCE MINIMUMPAYMENT PAYMENT DUEDATE arromittances. 08/31/23 $2,966.76 $132.00 09/28/23 - MAKEcHECKSPAYABLE TO: It h"IllllH ll'lull' bl"' ' " '] PAULMBALOGJR Visions Federal Credit Union POBOX375 POBox 630685 OWEGONY13827 OH45283-0885 Cincinnati 454306599002292712D0013200002966769 PLEASERETURNTHIS PORTIONTO ENSURE PROPER CREDIT 24 McKinley Avenue -----.. Endicott, NewYork 13760-5491 "°""-""'""°° T²fc²1'²° STATEMENT OF ACCOUNT Page 1 of 6 Account NumbÈr: 100 . edit CerdÑumber: XXXXXXXXXXXX 2712 Stateme t Perfÿcl 08/0U ` throughi8/ I/23 Å count escription: ID 90 VISA PLATINUM . Preylo 5 issil ce $ 999.86 TotalNewBalance $2,966 76 Payrnents ; . $100;00 Minimum Payment Due $132.00 Other redits 40110 Payment Due Date '09/28/23 Purchases +$14ü5 Late Payment Warning; If we do not receive your minimum payment Cash Advances . +$0.00 within 14 days of the date listed above, you will be assessed a late Fees and Other Debits . . +$20.00 fee of $20 00. Interest Charged 4$31.95 Minimum PaymentWarning: If you make only the minimum payment Neƒ Balance $2,966.76 each period, you will pay moUèin Interest and it will take you longer to example- pay off your balance For ' pus $73.00 4 If yð0 make-ho 'Arld r efid upwopilJ Past Arnount */þlly/illphy off the Cre(lit Litnit $3,000,00 adÆttonal charges Osin! bÆlahde shóuffo& payirig Available Credit $33.24 thfs barst and eqch tbts state(n4fit irl infestJntated s Statement Date 08/31/2023 m0nth fou pay about total of... Days in billing cycle S1 Only the minimum 14 years $5,552.00 Que5cions? 53,672 00 Contact Center: 800.242.2120 $102,00 3 Years (Savings ± $1,880 00) Lost pr Stolen Credit Card: 833,224,5785. If you would like Information about credit counseling services, To access Rewards: 888.211438Ï Please call 1-877-277-4032. Website: www.visionsfcu.org Send billing inquines and correspondence to. 24 McKinley Ave., Endloott, NY13760 Post Tran Reference Description Aniount 08/12 08/12 Visa Late Fee 2ÖdÖ0 08/31 See Fee SummaryBelow 08/23 08/23 15ayment Transfer From Share 08 -100.00 08/27 08/27 Recurring Purchase Bill Payment #323926106361 14.95 Audibl#T36QLOAIVl0. Amzn com/bill NJ FEE.SUMMARY Notice: See reverse side for important information. NEWYORKRE91DENTSMAYCONTAC1T TO OBTAINA COMPARATIVELISTING OFCREDIT TEíENEWŽO.R STATE.BANKINGDEPARTMENT CARDRATES,FEESANDGRACEPERIQDS NEW YORKnTATEBANKNG DEPARTMENT 800.618.8866 7 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 VISIONS ~450:- VISloNS Federal C redit Unlon FEDERALCREDITUNION V 8 oflSfCU.0IQ Account Number 100 Statement Period: 08/01/2023 thru 08/31/2023 Page 3 of 6 Post Tran Reference Description Amount Date Description Amount 08/12 Visa Late Fee $20.00 TOTALFEES FORTHIS PERIOD $20.00 INTERESTCHARGED Interest Charged on Purchases $31.95 Interest Charged on Cash Advances $0.00 TOTALINTERESTFORTHIS PERIOD $31.95 YEARTODATETOTALS Total Fees Year to Date $40.00 Total Charged This Year Interest $124.59 Your Annual Percentage Rate (APR) is the annual on your account interest rate BaTenie Subjgct to Type of Balan-ce Annual Percenta eBate (APR) Interest Ratp iriterest Cha gé _ Purchases 13 000% (v) $2,893.58 $31.95 Cash Advances 13.000% $0.00 $0,00 (v) Variable rate Total available points balance = 29,868 Points next to expire on 12/31/2024 = 17,255 For the rnost current point balance, or to request a redernption, the "Rewards" select option from your online banking account at visionsfou.o or call 888.211.8384. Credit card security matters. In addition to your credit card's built-in protections and fraud monitoring, you can help us defend against fraudsters and theft with these security tips: -Only makeonline purchases from trusted, secure sites (https) -Monitor your card in digital banking for any suspicious transactions -Save our Fraud Monitoring short code (23618) in your phone's contacts -Slgn up for Visa Purchase Alerts For quidance with these tips and more, visit visionsfcu,org/security. 8 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 Keep For Your Records 24 McKinley Avenue 324848 Check No: Endicott, NewYork 13760-5491 CARDNUMBER (800) 242-2120 Check Amt: . visionsfcu.org E EFIAL CREDIT UNION Date: AMOUNTOFPAYMENTENCLOSED If you use a bill ayin lease use cre t car service number CLOSINGDATE NEWBALANCE MINIMUMPAYMENT AŽMˆNTDUEDATE or remittances. 02/29/24 $2,994.81 $572.00 03/28/24 MAKECHECKSPAYABLE TO: PAUL MBALOGJR Visions Federal Credit Union POBOX375 POBox 630685 OWEGONY13827 Cincinnati OH45263-0685 45430654400229271200057200002994818 PLEASE RETURNTHIS PORTIONTOENSURE PROPERCREDIT _.__________ ________._____ ___________----------------------- ----------------------------------------------------------- --- OVS Endicott, NewYork 13760-5491 ~="" ca- ""'"- 242-2 20 OF ACCOUNT STATEMENT Page 1 of 6 Account Number: '100 Credit Card Number: XXXXXXXXXXXX2712 Staternent Period: 02/01/24 through 02/29/24 Account Description: ID 90 C/OVISA PLATINUM Payment Information Previous Balance $2,994.81 Total NewBalance $2,994.81 I Payments -$0.00 Minimum Payment Due $572.00 Other Credits -$0.00 Payment Due Date 03/28/24 Purchases +$0.00 Late Payment Warning: If we do not receive your minimumpayment Cash Advances +$0.00 within 14 days of the date listed above, you will be assessed a late Fees and Other Debits +$0.00 fee of $20.00. Interest Charged +$0.00 Minimum Payment Warning: If you make only the minimumpayment NewBalance $2,994.81 each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Past Due Amount $483.00 , If you make no You will pay off the And you will Credit Limit $0.00 additional charges using balance shown on end up paying Available Credit $0.00 this card and.each this statement in an estimated Statement Date 02/29/2024 month you pay... about... total of... Days in cycle 29 Only the minimum 6 years $2,994.00 billing Questions? Contact Center: 800.242.2120 $85.00 3 Years (Sav s = $0.00) Lost or Stolen Credit Card: 833.224.5785 Ifyou would like information about credit counseling services To access Rewards: 888.211.8384 please call 1-877-277-4932. Website: www.visionsfou.org Send billing inquiries and conespondence to: 24 McKinley Ave., Endicott, NY13760 Post Tran Reference Description Amount No transactions this period FEE SUMMARY TOTALFEESFORTHIS PERIOD $0.00 Notice: See reverse side for Important Information. NEWYORKRESIDENTSMAYCONTACT THENEWYORK TOOBTAINA COMPARATIVE STATEBANKING DEPARTMENT LISTING OFCREDIT CARDRATES, FEES ANDGRACE PERIODS.NEWYORKSTATEBANKINGDEPARTMENT800.518.8866 9 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 O VISIONS Federal Credit Union SVT 24 McKinley A venue Endicott, New York 13760-5491 enamÄuniom v sionsfeu.org Account Number '100 Statement Period: 02/01/2024 thru 02/29/2024 Page 3 of 6 Post Tran Reference Description Amount INTERESTCHARGED Interest Charged on Purchases $0.00 Interest Charged on Cash Advances $0.00 TOTALINTERESTFORTHIS PERIOD $0.00 YEARTODATETOTALS Total Fees Year to Date $0.00 Total Interest Charged This Year $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Balance Subject to Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge Purchases 0.000% $2,906.12 $0.00 Cash Advances 0.000% $0.00 $0.00 (v) = Variable rate Whether you're aiming for a short-term yield or long-term investment, it's hard to beat great reliable rates. Thats why we offer a variety of Share Certificates and other savings accounts with flexible terms and competitive rates. Visit visionsfcu.org/rates to compare our rates and start savin toda . 10 of 20 FILED: TIOGA COUNTY CLERK 07/02/2024 02:04 PM INDEX NO. 2024-00063700 NYSCEF DOC. NO. 1 RECEIVED NYSCEF: 07/02/2024 VISIONS F E D E RA L CRE D T U N ON I I APPLICATION 24 McKinley Ave. " Endicott, NY 13760-5491 There are coslS aSsociated with the use of a credit card. Information about costs, rates and fees may be contained in disclosures provided with this application or by calling us tolbfree or collect at 1-800-242-2120 or writing to us at the address stated on this application. Check below to indicate the type of credit for which you are applyIng. Married Applicants rnay apply for a separate account. Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if 1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI) 2. your spouse will use the account, or 3. you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying. Joint Credit: Each Applicant must Individually complete appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant box. LOANLINERAccount/Loan: O individual O Joint Credit Card Account: ¡ Individual O Joint (Including ATM/Debit card access to the account if available) If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit (sign below): Applicant Date Co-Applicant Date Amount Requested $ Purpose/Collateral: B Credit Limit Requested $ 3,000.00 If Authorized User, Name: Visa Platinurn / PAYMENT PROTECTION Are you interested in having your loan protected? OYES NO If you answer "yes", the credit union will disclose the cost to protect your IMan. The protection is voluntary and does not affect your loan approval. In order for your loan to be covered, you will need to sign a separate applicatio7 that explains the terms and conditions. APPLICANT OTHER OCO-APPLICANT ¤ SPOUSE O GUARANTOR ¡ OTHER NAME NAME PAULM BALOGJR Acmi miT NUMBER SOCIALSECURITYNUMBER ACCOUNT NUMBER SOCIALSECURITYNUMBER 7100 BIRTH DATE tran. AuuMted BIRTH DATE EMAIL ADDRESS PAULMBALOG@GMAIL.COM HUME PUUNE CELL PHONE BUSINESSPHONE/EXT. HOME PHONE CELL PHONE BUSINESSPHONE/EXT. (610) 653-4118 (610) 653-4118 (607)751-2000 0- nmum· · --- :SE NUMBER/STATE AGESOFDEPENDENTS DRIVER'SLICENSENUMBER/STATE AGESOFDEPENDENTS PRESENT (Streal - CIty- State-Zip) ADDRESS 190FRONTSTREET2NDFLREAR ¡ OWN RENT PRESENT (Street - City -State - Zip)