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FILED: WARREN COUNTY CLERK 12/10/2021 12:42 PM INDEX NO. EF2021-69355
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 12/10/2021
DISCOVER IT® CARD ENDING IN 3710
CARDMEMBER SINCE 2017
Account Summary 04/03/2021 - 04/30/2021 Payment Information
Previous Balance $3,057.13 New Balance Minimum Payment Payment Due Date
Payments and Credits -$3,057.13 $
0.00 $
842.63 05/25/2021
Purchases +$0.00
Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date
Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $40.00.
Fees Charged +$0.00
Interest Charged +$0.00
New Balance: $0.00
See Interest Charge Calculationsection following the Fees and
Interest Charged section for detailed APR information
Credit Line $2,500
Credit Line Available $0
Cash Advance Credit Line $300
Cash Advance Credit Line Available $0
Your FICO® Score is unavailable. Log in at Discover.com/FICO or
contact us at 1-800-347-2683 to learn more.
New York Residents: For more information call us at 1-800-
347-2683. You may contact the New York State Department of
Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for
free information on comparative credit card rates, fees and grace
periods.
Notice: See reverse side for important information
Payment Coupon ACCOUNT NUMBER ENDING IN 3710
Detach at perforation above and return with check payable to $
New Balance 0.00
Discover. Do not fold, clip, staple or send cash.
$
Minimum Payment Due 842.63
Payment Due Date 05/25/2021
Amount Enclosed $
ROBERT J AKLEY
117 RIVER ST
WARRENSBURG NY 12885-1528
PO BOX 6103
CAROL STREAM IL 60197-6103
New address, email or phone? Please update on reverse.
000001986453295278904000000000871070084263
FILED: WARREN COUNTY CLERK 12/10/2021 12:42 PM INDEX NO. EF2021-69355
DISCOVER IT®
NYSCEF DOC.CARD ENDING
NO. 11IN 3710 RECEIVED NYSCEF: Page 2 of 4
12/10/2021
ROBERT J AKLEY OPEN TO CLOSE DATE: 04/03/2021 - 04/30/2021
Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar
amount, or (iv) other dollar amount. If your scheduled "Other dollar amount"
See your Cardmember Agreement. Your Cardmember Agreement contains all the
terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly
billing statement, your scheduled payment for that month will be increased to cover
Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. If the scheduled payment is greater than the Minimum
Payment Due, any excess will be applied in accordance with your Cardmember
What To Do If You Think You Find A Mistake On Your Statement: If you think there is
Agreement. If your scheduled payment is greater than the New Balance on your billing
an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT
statement, that payment will be processed only for the amount of your New Balance.
84130-0421, or submit the form provided at https://discover.com/billingerrornotice.
Your automatic payment amount may be less than the amount indicated on the billing
You must contact us within 60 days after the error appeared on your statement. You
statement based on credits or payments after the Close Date.
may call us, but if you do we are not required to investigate any potential errors, and
If you enroll by phone in our automatic payment service, please fill-in the following
you may have to pay the amount in question. The Billing Rights Notice further
explains your rights. Please see your Cardmember Agreement or visit blanks below and retain the authorizationfor your records.
https://discover.com/billingrights for a copy of this Notice.
Amount
Payments. You may pay all or part of your Account balance at any time. However, you
Full Pay ________________________Min Pay _________________________
must pay at least the Minimum Payment Due by the Payment Due Date. Send only
Min Pay+ $______________________ Other Amount $ __________________
your allowable form of payment ("Payment") and the bottom portion of this statement
Bank Routing #________________________________________________________
in the envelope provided, after affixing postage. Payments sent without proper
Bank Account #________________________________________________________
postage will be returned to the sender. If you pay by check, you authorize us to use
informationon your check to make an electronic fund transfer from your account at
Monthly on the Payment Due Date, or______ Day of the month (INSERT DATE)
the financial institution indicated on your check or to process the payment as a check
transaction. If a Payment is processed as an electronic fund transfer, the transfer will
Credit Reporting. Credit Reporting. We may report information about your Account to
be for the amount of the check, funds may be withdrawn from your account as soon
credit bureaus. Late payments, missed payments, or other defaults on your Account
as the same day we receive your check, and you will not receive your check back.
may be reflected in your credit report. We normally report the status and payment
history of your Account to credit reporting agencies each month. If you believe that
Please do not send cash. Sending cash is not allowed. The processing of your
our report is inaccurate or incomplete, please write us at this address: Discover, PO
allowable form of Payment may be delayed if you send cash or correspondence with
Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address,
your Payments, if you send the Payment to any other address, or if you use an
home telephone number and Account number.
envelope other than the one provided. Payments received at our processing facility
by 5PM local time on any day will be credited to your Account as of that day.
Paying Interest. Your due date is at least 25 days after the close of each billing period
Payments received at our processing facility after 5PM local time will be credited to
(at least 23 days for billing periods that begin in February). We will begin charging
your Account as of the next day. If you have misplaced your envelope, send your
interest on Cash Advances and Balance Transfers as of the later of the Transaction
Payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10
Date or the first day of the billing period in which the transaction posted to your
days for delivery. If your Payment is returned unpaid, we reserve the right to resubmit
Account. If you pay the New Balance on your current billing statement by the Payment
it as an electronic debit. Payments made online or by phone before Midnight Eastern
Due Date shown on that billing statement, we will not impose interest charges on
Time on any day except your Statement Closing Date will be credited as of the same
New Purchases. New Purchases are Purchases that first appear on the next billing
day; on your Statement Closing Date, online and phone payments must be made
statement. Interest will continue to accrue each day on purchases that appeared on
before 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in
the next billing cycle.
You can also make a Payment or set up automatic payments by calling 1-800-347-
2683. Automatic payments for the billing period shown on your statement will be
How We Calculate Interest Charges. We Use the Daily Balance Method (including
deducted on the Payment Due Date shown on that statement, or the next automatic
current transactions) to calculate the Balance Subject to Interest Rate. For more
payment date referred to on your statement, unless you request a recurring payment
information, please call us at 1-800-347-2683.
date that occurs before your Payment Due Date. In order to schedule monthly
payments by telephone, you will need this statement and your bank account
Balance Subject To Interest Rate. Your statement shows a Balance Subject to Interest
information. You will be asked to provide the last four (4) digits of the social security
Rate. It shows this for each transaction category. The Balance Subject to Interest Rate
number of the primary borrower as your electronic signature. By providing those
is the average of the daily balances during the billing period.
numbers, you will be agreeing to this authorization to allow us and your bank to
Credit Balances. If your Account has a credit balance, the amount is shown on the
deduct each payment you authorize, in the amount selected by you, from your bank
account. You also authorize us to initiate debit or credit entries to your bank account,
front of your billing statement. A credit balance is money that is owed to you. You may
as applicable, to correct an error in the processing of such payment. You can cancel
make charges against this amount if your Account is open. We will send you a refund
or modify a payment from your bank account until 5:00 PM Eastern Time on the day
of any remaining balance of $1.00 or more after 6 months, or as otherwise required
such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, PO Box
by applicable law, or upon request made to the address in the Contact Us section on
30421, Salt Lake City, UT 84130-0421. Same day online or phone payments from
page 3 of your billing statement.
bank account made after 5:00 PM Eastern Time may be modified before Midnight
Balance Transfers. Balance Transfers are offered at our discretion and accrue interest
Eastern Time of that day. Payments from Cashback Bonus cannot be modified or
cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise.
Discover may monitor and/or record telephone calls between you and Discover
If your payments may vary in amount, we will tell you on each monthly billing
representatives for quality assurance purposes.
statement when your payment will be made and how much it will be. You must ensure
that sufficient funds are available in your bank account, and all transactions must
comply with U.S. law. Send inquiries to Discover, PO Box 30943, Salt Lake City, UT 84130
The Discover® card is issued by Discover Bank, Member FDIC.
You can set up automatic payments for: (i) statement New Balance, (ii) statement
DIT23-27.0420
Change of Address
If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com.
Street Address Home Phone
Work Phone
City Email
State, Zip
FILED: WARREN COUNTY CLERK 12/10/2021 12:42 PM INDEX NO. EF2021-69355
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 12/10/2021
ONLINE PHONE PAYMENTS Page 3 of 4
Discover.com or 1-800-347-2683 Discover DISCOVER IT® CARD ENDING IN 3710
download our app TDD 1-800-347-7449 PO Box 6103 OPEN TO CLOSE DATE: 04/03/2021 - 04/30/2021
Carol Stream
IL 60197-6103
Transactions Cashback Bonus® Rewards
TRANS. PREVIOUS BALANCE $0.00
DATE PAYMENTS AND CREDITS AMOUNT
EARNED THIS PERIOD +$0.00
04/03 CASHBACK BONUS STATEMENT CREDIT -$53.37 REDEEMED THIS PERIOD -$0.00
04/30 INTERNAL CHARGE-OFF -$3,003.76
CASHBACK BONUS BALANCE $0.00
Fees and Interest Charged
TOTAL FEES FOR THIS PERIOD $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2021 TOTALS YEAR-TO-DATE CHARGED AMOUNT
TOTAL FEES CHARGED IN 2021 $160.00
TOTAL INTEREST CHARGED IN 2021 $190.71
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
CURRENT BILLING PERIOD: 28 DAYS
PROMO BALANCE SUBJECT INTEREST
TYPE OF BALANCE APR* APR EXPIRES** TO INTEREST RATE CHARGE
Purchases 18.99% V N/A $0.00 $0.00
Cash Advances 24.99% V N/A $0.00 $0.00
V = VARIABLE RATE
* If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will
receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower
rates as authorized under the Servicemembers Civil Relief Act.
** This is the date your promotional rate expires and the remaining balance will be moved to your standard APR
disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR
Expiration Date.
*** For more information, please call us at 1-800-347-2683.
Information For You
Availability of FICO® Credit Score
As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO® Credit Score
include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover
or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a
foreign address. Your FICO® Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity
such as no purchase transactions, fees, interest, or payments for approximately 30 days.
FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
Notice of Changes to Your Payment Address
This statement contains a new payment address. Please update for your records.
FILED: WARREN COUNTY CLERK 12/10/2021 12:42 PM INDEX NO. EF2021-69355
DISCOVER IT®
NYSCEF DOC.CARD ENDING
NO. 11IN 3710 RECEIVED NYSCEF: Page 4 of 4
12/10/2021
ROBERT J AKLEY OPEN TO CLOSE DATE: 04/03/2021 - 04/30/2021