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VITOLO v. U.S. BANK NATIONAL ASSOCIATION

2019-04240.

182 A.D.3d 630 (2020)

120 N.Y.S.3d 833

2020 NY Slip Op 02494

Norma Vitolo, Appellant, v. U.S. Bank National Association, Respondent.

Appellate Division of the Supreme Court of New York, Second Department.

Decided April 29, 2020.

Ordered that the order is affirmed insofar as appealed from, with costs.

In 2005, the plaintiff, Norma Vitolo, obtained from First Central Savings Bank a loan, which was secured by a mortgage on residential property located in Staten Island. Vitolo allegedly defaulted on her monthly mortgage payments beginning in December 2008.

By letter dated January 25, 2009, Vitolo received notice that her mortgage was in default, and "[u]nless the payments on your loan...

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