Preview
FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021
FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021
B A N K OF A M E RI C A Q customer service Information:
www.bankofamerica.com
1.800.205.0809
Mall billing inquiries to:
P.O.BOX15284
Bank of America
WILMINGTON,DE19850
P.O.Bax 982234
El PasaTX 79998-2234
Mall payment to:
Bank of America
P.O. Box 15019
Wilmington DE 19886-5019
MIRIAM COHEN
167 CLINTON LANE
SPRING VALLEY NY 10977
- February 20, 2021
January 21
Account# 6941
Account Summary Payment Information
Previous Balance $9,758.40 New Balance Total $9,942.31
Payments and Other Credits $0.00 Current Payment Due $281.00
Purchases and Adjustments $0.00 Past Due Amount $2,018.00
Fees Charged $0.00
Total ½nimum Papent Due $2,2M
Interest Charged $183.91
Payment Due Date 03/17/2021
Late Payment Warning: If we do not receive your Total Minimum
New Balance Total $9,942.31
Payment by the date IIsted above, you may have to pay a late fee of up to
Total Credit Line $9,000.00 $39.00 and your APRs may be Increased up to the Penalty APR of 29.99%.
Total Credit Available $0.00 Total Minimum Payment Warning: If you make only the Total Minimum
Cash Credit Line $2,700.00 Payment each period, you will pay more In interest and It will take you
Portion of Credit Available longer to pay off your balance. For example:
for Cash $0.00
If you makeno additional You will payoff the And you will end up
Statement Closing Date 02/20/2021
rges using this card balance shown on this paying an estimated
Days In Billing Cycle 31
and each morith you pay statement In about total of
Only the Total 23 years $23,190.00
Minimum Payment
If you would like information about credit counsanne services, call
866.300.5238.
b Cll·ll
BANK OF AMERICA Account Number: 6941
P.O. BOX 15019 .
WtLMINGTON DE 19886-5019 New Balance Total $9,942.31
Total Minimum Payment Due $2,299.00
Payment Due Date 03/17/2021
MIRIAM COHEN Enter payment amount $
167 CLINTON LANE
SPRING VALLEY NY 10977
Forchange of address/phone number, see reverseside.
Make }cur payment online at www.bankofamerica.comor
Mall this couponalong with your check payableto: Bankof Americs
FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021
MIRIAM COHEN I Account # 6941 I January 21 - February 20, 2D21
. . .
co4- coo-coo - G
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchaseson the next CALCULATION OF RALANCES SUBJECT TO INTEREST RATE
statement if 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 Cash Advances on the transaction introductory or Promotional Offer balance consisting of Purchases.We do this
date. by-
(1) calculating a daily balance for each day in the billing cycle; (2) adding all
TOTAL INTEREST CHARGE COMPUTATION - interest Chargesaccrue and the daily balances together; and (3) dividing the sum of the daily balances by
are compounded on a daily basis. To determine the Interest Charges, we the number of days in the billing cycle.
multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance Foreach day in this statement's billing cycle, we:
Rate and that result is multiplied by the number of days in the billing cycle. To (1) take the beginning balance; (2) add an amount equal to the applicable Daily
determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day's daily balance; (3) add new
Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing Purchases,new Account Fees, and new Transaction Fees; and (4) subtract
an Annual Percentage Rate by 365, applicable payments and credits. If any daily balance is less than zero 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
allocate the amount of your payment equal to the Total Minimum Payment Due Advances):We calculate separate Balances Subject to an Interest Rate for
to the lowest APRbalances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional
statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances.We do this by·
will be applied to balances with higher APRsbefore balances with lower APRs. (1) calculating a daily balance for each day in this statement's billing cycle; (2)
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement's billing cycle
balance" -
using the optional Pay-by-Phone service, you authorize us to initiate an that had a "Pre-Cycle a Pre-Cycle balance is a BalanceTransfer ar a
electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement's billing cycle but
You must authorize the amount and timing of each payment. For your with a posting date within this statement's billing cycle; (3) adding all the daily
protect on, we will ask for security information. A fee may apply for expedited balances together; and (4) dividing the sum of the daily balances by the number
service. To cancel, call us before the scheduled payment date. Same-day of days in this statement's billing cycle.
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 beginning 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
Cash Advances.The Cash Credit Line is that amount you have available for Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash applicable payments and credits. If any daily balance is less than zero we treat
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash it as zero.
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and To calculate a daily balance for each day prior to this statement's billing cycle
applicable transaction fees. that had a Pre-Cycle balance: (1) we take the beginning balance attributable
MISCELl..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
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
could change. The New Balance Total which appears on this statement is not a Periodic Rate multiplied by the previous day's daily balance; (3) and add only
payoff amount and may be subject to additional Interest charges when you pay 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
cards are the digitat form of your eligible 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 Bank of America.
© 2021 Bank of America Corporation Bankof America is a registered trademark of Bank of America Corporation.
PAYMENTS - Wecredit mailedpaymentsasof the date received,if the paymentis: (1) receivedby 5 p.m.localtimeat the addressshownon the remittanceportionof your
monthlystatement;(2) paidwith a checkdrawnin U.S.dollarson a U.S.financialInstitutionor a U.S.dollar moneyorder;and (3) sentin the returnenvelopewith only the remittance
portionof yourstatementaccompanying it. Paymentsreceivedby mailafter 5 p.m.localtime at the remittanceaddresson anyday induding the PaymentDueDate,but that otherwise
meetthe aboverequirements,wiii be creditedasof the nextday.Paymentsmadeonlineor by phonewill becreditedasof the dateof receiptif madeby 5 p.m.Central.Creditfor any
otherpaymentsmaybedelayedup to five days. Cashpaymentsmadewith our tellerswill only beacceptedwith a valid identification(ID).
Nopaymentshalloperateas anaccordandsatisfactionwithout the priorwritten approvalof oneof our SeniorOfficers.
Weprocessmostpaymentcheckselectronicallyby using the informationfoundonyourcheck.Eachcheckauthorizesus to createa one-timeelectronicfunds transfer (or processit asa
checkor paperdraft). Fundsmay bewithdrawnfrom youraccountassoonas thesameday we receiveyour payment.checksare not returnedto you.
If youhaveauthorizedus to payyour creditcardbill automaticallyfrom yoursavingsor checkingaccountwith us,youcanstop the paymenton anyamountyou think is wrong.To stop
payment,your letter must reachusat leastthreebusinessdaysbeforethe automaticpaymentis scheduledto occur.
Change of Address/Phone number: Online at www.bankofamerica.com
Please do not add any written communication in this space.
AB
FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021
MIRIAM COHEN | Account # 6941 | January 21 - February 20, 2021
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
interest Charged
02/20 02/20 INTEREST CHARGEDON PURCHASES 183.91
02/20 02/20 INTEREST CHARGEDON BALANCE TRANSFERS 0.00
02/20 02/20 INTEREST CHARGEDON DIR DEP&CHKCASHADV 0.00
02/20 02/20 INTEREST CHARGEDON BANK CASH ADVANCES 000
TOTAL INTEREST CHARGED FOR THIS PERIOD $183.91
tal Interest charged in 2021 $363.79
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Annual Pre- ! ::--.:±!::2! Prornotional Balance Interest
Balance Percentage Transaction Offer ID Rate End Subject to Charges by
Rate Type Date Interest Transaction
Rate Type
Purchases 21.99%V $ 9,847.08 $ 183.91
Balance Transfers 21.99%V $ 0.00 $ 0.00
Direct Deposit and Check Cash 24.99%V $ 0.00 $ 0.00
Advances
Bank Cash Advances 24.99%V $ 0.00 $ 0.00
APRType Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)
Important Messages
You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due
today. If you've already mailed It, thank you.
Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please rnake a payment to bring your
balance under the Total Credit Line. There is no fee for being over your Total Credit Line.
When this statement was created, the account's Credit Line was In a restricted status and not available for use.
Page3 of 4
FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021
MIRIAM COHEN I Account # 6941 | January 21 - February 20, 2021
Your Reward Summary
.00 2 Points/$1 on Travel&Dining
Make the most of your
.00 1.5 Points/$1 on All Other
rewards program today!
.00 Preferred Rewards Bonus
.00 Total Points Available
Habits'
Better Money
Support for whatever you need
Make more informed decisions with education and guidance from Better Money Habits
• Tackle financial stress.
• Find ways to save.
• Get education and guidance on a variety of money-related topics.
Get started today at BetterMoneyHabits.com/HereToHelp.
Page4 of 4
FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021
ADDITIONK
OCUMENTS a
a
Preview
FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021 FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021 B A N K OF A M E RI C A Q customer service Information: www.bankofamerica.com 1.800.205.0809 Mall billing inquiries to: P.O.BOX15284 Bank of America WILMINGTON,DE19850 P.O.Bax 982234 El PasaTX 79998-2234 Mall payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 MIRIAM COHEN 167 CLINTON LANE SPRING VALLEY NY 10977 - February 20, 2021 January 21 Account# 6941 Account Summary Payment Information Previous Balance $9,758.40 New Balance Total $9,942.31 Payments and Other Credits $0.00 Current Payment Due $281.00 Purchases and Adjustments $0.00 Past Due Amount $2,018.00 Fees Charged $0.00 Total ½nimum Papent Due $2,2M Interest Charged $183.91 Payment Due Date 03/17/2021 Late Payment Warning: If we do not receive your Total Minimum New Balance Total $9,942.31 Payment by the date IIsted above, you may have to pay a late fee of up to Total Credit Line $9,000.00 $39.00 and your APRs may be Increased up to the Penalty APR of 29.99%. Total Credit Available $0.00 Total Minimum Payment Warning: If you make only the Total Minimum Cash Credit Line $2,700.00 Payment each period, you will pay more In interest and It will take you Portion of Credit Available longer to pay off your balance. For example: for Cash $0.00 If you makeno additional You will payoff the And you will end up Statement Closing Date 02/20/2021 rges using this card balance shown on this paying an estimated Days In Billing Cycle 31 and each morith you pay statement In about total of Only the Total 23 years $23,190.00 Minimum Payment If you would like information about credit counsanne services, call 866.300.5238. b Cll·ll BANK OF AMERICA Account Number: 6941 P.O. BOX 15019 . WtLMINGTON DE 19886-5019 New Balance Total $9,942.31 Total Minimum Payment Due $2,299.00 Payment Due Date 03/17/2021 MIRIAM COHEN Enter payment amount $ 167 CLINTON LANE SPRING VALLEY NY 10977 Forchange of address/phone number, see reverseside. Make }cur payment online at www.bankofamerica.comor Mall this couponalong with your check payableto: Bankof Americs FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021 MIRIAM COHEN I Account # 6941 I January 21 - February 20, 2D21 . . . co4- coo-coo - G IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchaseson the next CALCULATION OF RALANCES SUBJECT TO INTEREST RATE statement if 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 Cash Advances on the transaction introductory or Promotional Offer balance consisting of Purchases.We do this date. by- (1) calculating a daily balance for each day in the billing cycle; (2) adding all TOTAL INTEREST CHARGE COMPUTATION - interest Chargesaccrue and the daily balances together; and (3) dividing the sum of the daily balances by are compounded on a daily basis. To determine the Interest Charges, we the number of days in the billing cycle. multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance Foreach day in this statement's billing cycle, we: Rate and that result is multiplied by the number of days in the billing cycle. To (1) take the beginning balance; (2) add an amount equal to the applicable Daily determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day's daily balance; (3) add new Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing Purchases,new Account Fees, and new Transaction Fees; and (4) subtract an Annual Percentage Rate by 365, applicable payments and credits. If any daily balance is less than zero 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 allocate the amount of your payment equal to the Total Minimum Payment Due Advances):We calculate separate Balances Subject to an Interest Rate for to the lowest APRbalances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances.We do this by· will be applied to balances with higher APRsbefore balances with lower APRs. (1) calculating a daily balance for each day in this statement's billing cycle; (2) IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement's billing cycle balance" - using the optional Pay-by-Phone service, you authorize us to initiate an that had a "Pre-Cycle a Pre-Cycle balance is a BalanceTransfer ar a electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement's billing cycle but You must authorize the amount and timing of each payment. For your with a posting date within this statement's billing cycle; (3) adding all the daily protect on, we will ask for security information. A fee may apply for expedited balances together; and (4) dividing the sum of the daily balances by the number service. To cancel, call us before the scheduled payment date. Same-day of days in this statement's billing cycle. 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 beginning 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 Cash Advances.The Cash Credit Line is that amount you have available for Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash applicable payments and credits. If any daily balance is less than zero we treat Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash it as zero. Advances, Overdraft Protection Cash Advances, Cash Equivalents, and To calculate a daily balance for each day prior to this statement's billing cycle applicable transaction fees. that had a Pre-Cycle balance: (1) we take the beginning balance attributable MISCELl..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 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 could change. The New Balance Total which appears on this statement is not a Periodic Rate multiplied by the previous day's daily balance; (3) and add only payoff amount and may be subject to additional Interest charges when you pay 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 cards are the digitat form of your eligible 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 Bank of America. © 2021 Bank of America Corporation Bankof America is a registered trademark of Bank of America Corporation. PAYMENTS - Wecredit mailedpaymentsasof the date received,if the paymentis: (1) receivedby 5 p.m.localtimeat the addressshownon the remittanceportionof your monthlystatement;(2) paidwith a checkdrawnin U.S.dollarson a U.S.financialInstitutionor a U.S.dollar moneyorder;and (3) sentin the returnenvelopewith only the remittance portionof yourstatementaccompanying it. Paymentsreceivedby mailafter 5 p.m.localtime at the remittanceaddresson anyday induding the PaymentDueDate,but that otherwise meetthe aboverequirements,wiii be creditedasof the nextday.Paymentsmadeonlineor by phonewill becreditedasof the dateof receiptif madeby 5 p.m.Central.Creditfor any otherpaymentsmaybedelayedup to five days. Cashpaymentsmadewith our tellerswill only beacceptedwith a valid identification(ID). Nopaymentshalloperateas anaccordandsatisfactionwithout the priorwritten approvalof oneof our SeniorOfficers. Weprocessmostpaymentcheckselectronicallyby using the informationfoundonyourcheck.Eachcheckauthorizesus to createa one-timeelectronicfunds transfer (or processit asa checkor paperdraft). Fundsmay bewithdrawnfrom youraccountassoonas thesameday we receiveyour payment.checksare not returnedto you. If youhaveauthorizedus to payyour creditcardbill automaticallyfrom yoursavingsor checkingaccountwith us,youcanstop the paymenton anyamountyou think is wrong.To stop payment,your letter must reachusat leastthreebusinessdaysbeforethe automaticpaymentis scheduledto occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication in this space. AB FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021 MIRIAM COHEN | Account # 6941 | January 21 - February 20, 2021 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total interest Charged 02/20 02/20 INTEREST CHARGEDON PURCHASES 183.91 02/20 02/20 INTEREST CHARGEDON BALANCE TRANSFERS 0.00 02/20 02/20 INTEREST CHARGEDON DIR DEP&CHKCASHADV 0.00 02/20 02/20 INTEREST CHARGEDON BANK CASH ADVANCES 000 TOTAL INTEREST CHARGED FOR THIS PERIOD $183.91 tal Interest charged in 2021 $363.79 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Pre- ! ::--.:±!::2! Prornotional Balance Interest Balance Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 21.99%V $ 9,847.08 $ 183.91 Balance Transfers 21.99%V $ 0.00 $ 0.00 Direct Deposit and Check Cash 24.99%V $ 0.00 $ 0.00 Advances Bank Cash Advances 24.99%V $ 0.00 $ 0.00 APRType Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary) Important Messages You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due today. If you've already mailed It, thank you. Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please rnake a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. When this statement was created, the account's Credit Line was In a restricted status and not available for use. Page3 of 4 FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021 MIRIAM COHEN I Account # 6941 | January 21 - February 20, 2021 Your Reward Summary .00 2 Points/$1 on Travel&Dining Make the most of your .00 1.5 Points/$1 on All Other rewards program today! .00 Preferred Rewards Bonus .00 Total Points Available Habits' Better Money Support for whatever you need Make more informed decisions with education and guidance from Better Money Habits • Tackle financial stress. • Find ways to save. • Get education and guidance on a variety of money-related topics. Get started today at BetterMoneyHabits.com/HereToHelp. Page4 of 4 FILED: ROCKLAND COUNTY CLERK 12/07/2021 09:52 AM INDEX NO. 034925/2021 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 12/07/2021 ADDITIONK OCUMENTS a a