Preview
FILED: STEUBEN COUNTY CLERK 01/13/2021 10:46 AM INDEX NO. E2021-0041CV
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/13/2021
Exhibit A
FILED: STEUBEN COUNTY CLERK 01/13/2021 10:46 AM INDEX NO. E2021-0041CV
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/13/2021
Customer ServiceInformation:
BANK Q F AMERICA www.aaanetaccess.com
1.888.685.3669
TTY: 1.800.346.3178
P.O.80X15284 Mall inquiries
to:
billing
DE19850
WILMINGrON, AAA Financial Services
P.O.Box 982234
El PasoTX 79998-2234
Mall payment to:
AAA Financial Services
P.O.Box 15019
Wi!m!ngon DE 19886-5019
TAMMY MACHUGA
4332 COUNTY ROUTE 1
CAMPBELL NY 14821-9589
May 9 -June 8, 2020
Account# 7084
Account Summary Payment Information
Previous Balance $4,751.50 New BalanceTota[ $4,845.16
Payinents and OtherCredits $0.00 Current Payment Due $141.00
Purchases and Adjustments $0.00 Past Due Amount $1,129.00
Fees Charged $0.00
TotalMinimum Payment Due $1.270.00
InterestCharged $93.66
Payment Due Date 07/05/2020
Late Payment Warning: If wedo not receiveyour TotalMinimum
New BalanceTotal $4.845.16
Payment by thedate listed
above, you may have to pay a late
fee ofup to
TotalCredit Line $4,000.00 $39.00 and yourAPRs may be increasedup tothe PenaltyAPR of29.99%.
TotalCredit Avai|ab|ê $0.00 Total Minimum Payment Warning: If youmake only theTotal
Cash CreditUne $200.00 Payment each period,you willpay more In interestand It will
take you
Portionof CreditAvailable longerto pay offyour balance.For exarap|é.
forCash $0.00
Statement Closing Date 06/08/2020 m
éät agng a d
Days Cycle
In Billing 31
Only theTotal 17 years $10 804.00
Minimum Payment
Ifyou would IlkeInformation about creditcounseling services,call
866.300.5238.
08
AAA FINANCIAL SERVICES Account Number: 7084
P.O. BOX 15019
WILMINGTON DE 19886-5019 New Balance Total $4,84536
Total MinimumPayment Due $1,270.00
Payment Due Date 07/05/2020
TAMMY MACHUGA Enter payment amount $
4332 COUNTY ROUTE 1
CAMPBELL NY 14821-9589
For changeof addmeefphnna nUmber 890 feverSoside.
Makeycur payment online at wwwaaanetaccess.comor
Mall this couponalong w[th your check payableto: AAAFinancla[Services
FILED: STEUBEN COUNTY CLERK 01/13/2021 10:46 AM INDEX NO. E2021-0041CV
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/13/2021
TAMMY MACHUGA I Account # 7084 | May 9 - June 8, 2020
o04- o0D-o00- G
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchaseson the next
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
statementif you pay the New Balance Total in full by the Payment Due Date,
Average Daily Balance Method (including new Purchases):We calculate
and you had paid in full by the previous Payment Due Date. We will begin
separate Balances Subject to an Interest Rate for Purchasesand for each
charging interest on Balance Transfers and CashAdvances on the transaction or Promotional Offer balance consisting of Purchases.We do this
Introductory
date, by: (1) calculating a daily balance for each day In the billing cycle; (2) adding all
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and
the daily balances together: and (3) dMding 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
multiply each Balance subject to Interest Rate by Its applicable Daily Periodic billing cycle, we:
(1) take the beginning balance: (2) add an amount equal to the applicable Daily
Rate and that result is mü|tip:fad by the number of days in the billing cycle. To
determine the total Periodic Rate multiplied
Interest Charge for the billing cycle, we add the Periodic by the previous day's daily balance: (3) add new
Purchases,new Account Fees, and new Transaction Fees: and (4) subtract
Rate Interest Charges together. A Daffy Periodic Rate is calculated by dividing
an Annual Percentage Rate by 365. applicable payments and credits. If any daily balance is less than rero we treat
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to it as zero.
posted balances. If your account has balances with
different
APRs,we will Average Balance Method (including new Balance Transfers and new Cash
Advances):We calculate separate Balances Subject to an Interest Rate for
allocate the amount of your payment equal to the Total Minimum Payment Due
this Balance Transfers, Cash Advances, and for each introductory
to the lowest APR balances first (including transactions made after or Promotional
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 AB OUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement's
billing cycle
balance" -
that had a "Pre-Cycle
using the optional Pay-by-Phone service. you authorize us to initiate
an a Pre-Cycle balance is a BalanceTransfer or a
electronic payment from your account at the financial institutionCash Advance with a transaction date prior to this statement's
you designate. billing cycle but
with a posting date within this statement's
You must authorize the amount and timing of each payment. For your billing cycle; (3) adding all the daily
balances together: and (4) dividing the sum of the daily balances by the number
protection, we will ask for security information. A fee may apply for expedited
of days in this statement's
service. To cancel, call us before the scheduled payment date. Same-day billing cycle.
payrnents 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(l) take the beginning balance; (2) add an amount equal to the applicable Dalty
by the previous day's daily balance; (3) add new
Periodic Rate multiplied
available for the account: however, only a portion of that Is available for Bank
Batance Transfers, new Cash Advances and Transaction Fees: and (4) subtract
CashAdvances. The Cash Credit Line is that amount you have available for
epp!!ceb!e payments and credits. If any daily balance is less than zero we treat
8ank CashAdvances. Generally, Bank CashAdvances consist of ATM Cash
it as zero.
Advances. Over the Counter (OTC) Cash Advances, Same-Day Online Cash
To calculate a daily balance for each day prior to this statement's billing cycle
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and
applicable transaction fees. that had a Pre-Cycle batance: (1) we take the beginning balance attributable
MISCEL1-ANEOUS - Promotional Rate End Date: This date is based on a
solely to Pre-Cycle balance (which will be zero on the transaction date of the
first Pre-Cycle balance); (2) add an amount equal to the applicable Daily
future statement closing date. If you change your payrnent due date. this date
Periodic Rate multiplied by the previous day's daily balance: (3) and add only
could change.The New Balance Total which appears on this statement
is not a
the applicable Pre-Cycle balances and their related Transaction Fees. We
payoff amount and may be subject to additional interest charges when you pay
in full after your statement exclude from this calculation all transactions posted in previous billing cycles.
closing date. Please contact the custorner service
number located on the front of this statement
for a pay-off amountMrtual
cards are the digital form of your elfgfble physical credit cards stored within a
digital wallet. For the complete terms and conditions of your account, consult your Credit
Card Agreement. This account is issued and administered by Bankof America.
© 2020 Bank of America Corporation Bank of America is a registered trademark of Bank of America Corporation.
PAYMENTS - Wecreditmailedpaymentsasof the date received,if the paymentis- (1) receivedby 5 p.m.localtime at the addressshownon the remittanceportionof your
paidwith a checkdrawn In U.S.dollarson a U.S.financialinstitutionor a U.S.dollarmoneyorder;and (3) sent in the returnenvelopewith only the remittance
statementi(2)
monthly
portionof yourstatementaccompanyingIt. Paymentsreceivedby mall after 5 p.m.localtime at the remittanceaddresson anydayinduding the PaymentDueDate,butthat otherwise
will be creditedas of the nextday.Paymentsmde =!Nor
meetthe aboveraq±em=ts, by phonewill becreditedasof thedate of receiptif rnadeby 5 p m. Central.Creditfor any
otherpaymentsmay bedelayedup to five days, Cashpaymentsmadewith ourtellersor ATMwith TellerAssist(ATA)will only beacceptedwith a valid identification(ID).
Nopayrnentshalloperateasan accordandsatisfactionwithout the priorwritten approvalof oneof ourseniorOfficers.
We processmostpaymentcheckselectronicallyby usingthe I:;format:or.foundon yourcheck.Eachcheckauthorizesus to createa one-timeelectronicfundstransfer(orprocessit asa
checkor paperdraft).Fundsmay bewithdrawnfrom your accountassoonas thesameday we receiveyourpaymentChecksare not returnedto you.
If you haveauthorizedusto payyour credit cardbill automaticallyfrom your savingsor checkingaccountwith us,you can stop the paymenton any amountyouthink is wrong.To stop
payment.yourletter mustreachusat leastthreebusinessdaysbeforethe automaticpaymentIsscheduledto occur.
Change of Address/Phone number: Onlineat www.aaanetaccess.com
Pleasedo not add any writtence==±atIon In this
space.
AB
FILED: STEUBEN COUNTY CLERK 01/13/2021 10:46 AM INDEX NO. E2021-0041CV
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/13/2021
TAMMY MACHUGA ] Account # 7084 | May 9 -June 8, 2020
____
Transactions
Reference'
TransactionPosting Account
Date Date Description Number Nurnber Amount Total
InterestCharged
06/08 06/08 INTERESTCHARGEDON PURCHASES 93.66
06/08 06/08 INTERESTCHARGEDCN BALANCETRANSFERS 0.00
06/08 06/08 INTERESTCHARGEDON DIR DEP&CHKCASHADV 0.00
06/08 06/08 INTERESTCHARGEDON BANK CASHADVANCES 0.00
TOTAL (NTEREST CHARGED FOR THIS PERIOD $93.66
Totalfees charged In 2020 $195.00
Total interest
charged In 2020 $532.52
Interest Charge Calculation
Your AnnualPercentage rate on your account.
Rate (APR) is the annual interest
Type of Annual Pr:::":=( Promotional Promotional Balance Interest
Balance Percentage Transaction OfferID Rate End Subjectto Charges by
Rate Type Date Interest Transaction
Rate Type
Purchases 22.99%V $ 4,796.67 $ 93.66
Balance Transfers 22.99%V $ 0.00 $ 0.00
DirectDepositand Check Cash 24.99%V $ 0.00 $ 0.00
Advances
Bank Cash Advances 24.99%V $ 0.00 $ 0.00
Daily Interest
APRType Definitions Rate Type: V-Variable
Rate (rate may vary)
Important Messages
You'rea valued customer and we want you to know thatwe haventreceived your currentpayment due. Pleasesend your payment due
today.If you'vealreadymalled (t, thank
you.
Your statement balance exceeds theTotal CreditLine.To ensure uninterrupteduse ofyour account,please make a payment to bringyour
balance underthe TotalCredit Line.There Is no fee
for beingover your TotalCreditLine.
When thisstatement was created,the account'sCreditLine was In a restricted
statusand not ave!þhloforuse.
Pointsearned can expireIf notrêd÷=m=d within60 months from themonth earned.To view currentpoint totals
and when pointsexpire,
visitbankofamerica.com.Choose the creditcardaccount relatedtothisstatement [n AccGüñtsOvei wievv, then
select theRewards Tab and
schedule'
access the'see expiration link
for a full
view of total
points by month ofexpiration.
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FILED: STEUBEN COUNTY CLERK 01/13/2021 10:46 AM INDEX NO. E2021-0041CV
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 01/13/2021
TAMMY MACHUGA I Account #. 7084 | May 9 - june 8, 2020
You may qualifyfora p=ymer:t deferral
for yourpersonal creditcardor IIne of
creditacccüñts,for futuredue dates on or beforeAugust 15,
2020. a minimum payment thistime be
will optiona!.Interestcharges or applicable
fees will
continue toaccrue and be added
Making during
to yourbalance.
What you need toknow
• If youhave alreadyrece;ved onisonou withyour payments through a priorrequest,assistancewillnurnmaticallybe extended to
payment due dates throughAugust 15, 2020.
- To request essistañceforthe first
time, pleasevisitus onlineat ourClientResource Siteat bankofamerica.com/t'é!pfe!Resources,
through yourmobile device,or by calling
the number on thisstatement to requestassistance throughthe nurnmnrarl phone service.
You can even each personalcreditcard orIIne ofcreditaccountyou would IIke to in the
enroll payrñéñt deferralperiod- now
specify
through August 15, 2020.
• By acceptingpayment deferrâ|syou arerepresenting thatyou areexper;er,eingfinancial
hardshipdue to the coronavirus.As a result,
you may not be eligible
fornew creditobligationswithBank of America duringthe assistanceperiod.
If youno longerneed assistance,please call
us at thephone number thatappears on yourstatement to requestthe removal of this
account
from futuredeferrals.
Your Reward Summary
BASE EARNED THIS MONTH
Make the most of your
.00 TOTAL AVAILABLE
rewards program today!
WWW.AAANETACCESS.COM FOR POINTS INFO
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