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Account Statement
NYSCEF DOC. NO. 9 RECEIVED
SendNoticeof
NYSCEF: 09/27/2023
ErrorsandCustomerServiceInquiriesto:
Billing
Customer Service: HOMEDEPOTCREDITSERVICES
POBox790328,St. Louis,MO63179
homedepot.com/mycard
The Home Depot st
cco nt Inquiries:
Consumer Credit Card Account Number: 6035 3210 1058 5731
Summary of Account Activity Payment Information
Previous Balance $270.40 New Balance $1,951.84
Payments -$0.00 Minimum Payment Due $102.00
Other Credits -$11.91 Payment Due Date May 12, 2021
Purchases +$1,639.92
Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$29.00 date listed above, you may have to pay a late fee up to $40.
Interest Charged +$24.43 Minimum Payment Warning: If you make only the minimum payment each
New Balance $1,951.84 Period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
,Past Due Amount $29.00 * If you make no additional You will pay off the And you will
5 charges using this card
Credit Limit $8,000.00 balance shown on this end up paying an
and each month you pay··· statement in about... estimated total of...
Available Credit $6,048.00
Only the minimum payment 10 years $4,630
Amount Over Credit Limit $0.00
Statement Closing Date 04/15/2021 $79 3 years
(Saving S ,799)
Next Statement Closing Date 05/16/2021
If you would Ilke Information about credit counseling services, call 1-877-337-8188.
,Days in Billing Cycle 30
Your Minimum Payment Due is $102.00. If you paid your non-promotional (revolving) balances and any expiring promotional balances in full on your last
statement, you can avoid interest charges on any new non-promotional (revolving) balances and any expiring promotional balances if you pay $1,951.84 by
Purchases"
w 05/12/21. Otherwise, interest will accrue from your statement closing date until we receive your payment. The "How to Avoid Paying Interest on
section on page 2 has more information.
New York residents may contact the New York State Department of Financial Services by telephone, 1-800-342-3736, or visit its website, www.dfs.ny.gov,
for free information on comparative credit card rates, fees and grace periods.
Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your
payment will not be reflected until your next statement.
Please update your phone number, including cell phone number on the back of the payment coupon.
Marketing offers included in this statement are intended for residents of the United States and its Territories.
Your account is past due. Please make at least your minimum payment within this billing period to avoid any additional fees
that may apply. You can avoid missing payments with automatic payments and stay on top of your account activity with Alerts.
» Visit us online or call us at 1-866-518-7157 (TTY: 1-800-995-9305 for hearing and speech impaired services only).
$ours of Operation: Monday - Friday: 8:00 a.m. to 11:00p.m. ET " Saturday: 8:00 a.m. to 8:00 p.m. ET " Sunday:9:00 a.m. to 8:00 p.m. ET
We're available to assist you with your account.
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 6 Tuls Account Is issued by Citibank, N.A.
__-------_ ______ --_P_leas_edeta _and_reu n owerpo t on with_yourpayment to insure pro_percredit. Retain up_perportion for your records
Your Account Number is 6o35 321o 1o58 5731
Payment Due Date May 12, 2021
P.O.Box790393
WE'RE HIRING New Balance $1,951.84
""°°*"°°°"
APPLY TODAY. Pa.tDue mount, $29.00
homedepot.com/careers
Minimum Payment Due $102.00
Statement Enclosed The Home Depot®is an EqualOpportunity/M/F/Vet/
DisabledEmployer.Availablepositionsmayvaryby Amount Enclosed:
location.Billngualcandidatesareencouragedto apply.
PastDueAmountis includedin theMinimumPaymentDue.
Please print address changes on the reverse side.
00109369 1 35106749 DTF 00009369
Make Checks Payable to v
l' ll'I'll'I
lil'I'll P I 'll'I'PI I II'I'"I I I I'll
HOME DEPOT CREDIT SERVICES
CATALINO MALDONADO PO BOX 70600
842 MAIN ST APT 1 PHILADELPHIA, PA 19176-0600
CAIRO, NY 12413-2809 I In ning
03000 0010200 0195184 0000000 06035321010585731 0915
FILED: GREENE COUNTY CLERK 09/27/2023 04:56 PM INDEX NO. EF2023-682
Information DOC.
NYSCEF About Your
NO. Account.
9 " Agent-Assisted Phone Payments. If you call us to makea
RECEIVED payment with09/27/2023
NYSCEF: the assistance
Howto Avoid Paying Interest on Purchases. Your payment due date is at least 25 daysafter of a live agent, the payment will be applied the same day andyou will be chargeda $5.00
the closeof each billing cycle. Wewill not charge you any interest on purchasesif you pay your agent expeditedpayment fee.
NewBalanceby the payment due date each month. This is calleda grace period on purchases. " Express Mail. Sendpayment by expressmail to: ConsumerPayment Dept.,6716Grade
Toget a grace period on purchasesyou must pay the New Balanceby the payment due date Lane, Building 9, Suite910, Louisville, KY 40213.
everybMingcycle. if you do not, you will not get a grace period until you pay the NewBalance " Crediting Payments other than by Mail. The payment cutoff time for Onlinebill
for two biHingcycles in a row· payments, Phonepayments,and ExpressMail paymentsis midnight Easterntime.This
Ifyou havea balancesubject to a deferred interest promotion and that promotion doesnot meansthat we will credit your accountas of the calendarday,basedon Easterntime,that
expirebefore the payment due date, that balance(an "excluded balance") is excludedfrom we receiveyour payment request
the amount you must pay in full to get a grace period on a purchase balanceother than If you send an eligible check with this payment coupon, you authorize us to complete your
anexcludedbalance. However,you must still pay any separately required payment on the payment by electronic debit. If we do, the checking account will be debited in the amount
excludedpromotional balance. In billing cycles in which payments are allocated to deferred on the check. We may do this as soon as the day we receive the check. Also, the check will
interest balancesfirst, the deferred interest balancewill be reduced before any other balance be destroyed.
onthe account. However,you will continue to get a grace period on purchases,other than Credit Reporting Disputes. We may report information about your account to credit bureaus.
anexcludedbalance so long as you pay the NewBalanceless any excludedbalance,plus any If you think we reported inaccurate information, pleasewrite us at: Credit BureauDispute
separately required payment on an excludedbalance.in f ull by the payment due date each Verification, P.O.Box6497, Sioux Falls,SD57117.
ddi o certain promotional offers may take away the grace period on purchases. oRnPa el
Otherpromotional offers not described above may also allow you to havea grace period on
purchaseswithout having to pay all or a portion of the promotional balanceby the payment What To Do if You Think You Find A Mistake On Your Statement. If you think there is an
duedate. If either is the case,the promotional offer will describewhat happens, error on your statement, write to us at the addressfor billing errors and customer service
inquiriesshownon Page1of your statement.
How WeCalculate Your Balance Subject to Interest Rate. For eachbalance,the letter
In your letter, give us the following information:
° following the Annual PercentageRatein the Interest ChargeCalculationsection on the front of
the statement indicatesthe method we use to calculate interest charges.For MethodsC,H and 1. Account information: Your name and accountnumber.
M,weusea daily balancemethod (including current transactions) to calculate interest charges. 2. Dollar amount:The dollar amount of the suspectederror.
ForMethodsI and L,we use an average daily balancemethod (including current transactions) 3. Descriptionof Problem:If you think there is an error on your bill, describewhat you believe
to calculateinterest charges.For Method K, we use an average daily balancemethod (excluding is wrong and why you believeit is a mistake.
current transactions) to calculate interest charges.To find out more information about the Youmust contact uswithin 60 daysafter the error appearedon your statement.
balancecomputation method that appliesto your account and how the resulting interest Youmust notify us of any potential errors in writing. You may call us,but if you do weare not
chargeswere determined, contact us at Customer Service number on the front.
required to investigate any potential errors and you may haveto pay the amount in question.
Other Account and Payment Information. Whilewe investicate whether or not there has been an error, the following aretrue:
Payment Amount. You may pay aHor part of your account balanceat any time. However.you " Wecannot try to collect the amount in question, or report you asdelinquent on that
must pay,by the payment due date, at Ieastthe mmimum payment due. amount.
WhenYour Payment Will Be Credited.If wereceive your mailed payment in proper form at " The chargein question may remain on your statement, and we may continue to charge
our processingfacility by 5 p.m. local time there, it will be credited as of that day.A payment you interest on that amount. But, if we determine that we made a mistake,you will not
receivedthere in proper form after that time will be credited as of the next day.Allow 5 to 7 haveto pay the amount in question or any interest or other feesrelated to that amount.
caysfor payments by regular mail to reach us.There may be a delay of up to 5 days in crediting " Whileyou donot haveto pay the amount .in question,. .
you are responsiblefor the
apayment wereceive that is not in proper form or is not sent to the correct address.The
correct addressfor regular mail is the addresson the front of the payment coupon.The correct remainder of your balance.
" Wecan apply any unpaid amount against your credit limit.
addressfor expressmail is shownin the ExpressMail section,
Proper Form. Fora payment sent by mail or courier to be in proper form, you must: Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied
" Encloseavalid checkor money order made payable to Home Depot Credit Services. with the goodsor servicesthat you havepurchasedwith your credit card,andyou havetried
in goodfaith to correct the problem with the merchant, you may havethe nght not to pay the
No cash,gift cards.or foreion currency please. O on e
Include your name and theiast four digits of your account number.
Payment Other Than By Mail. 1. Thepurchasemust havebeen made in your home state or within100 milesof your current
" In-Store Payments. For your added convenience,payments can be made at The Home
Depot stores,with no service fee. Any payrnent in proper form acceptedin-store will be mailing address,and the purchaseprice must havebeen more than $50. (Note:Neither of
these are necessary if your purchasewas basedon an advertisementwe mailedto you, or
credited asof that day.However,credit availability may be subject to verification of funds· if we own the company that sold you the goods or services.)
" Online/AutoPay. Go to the URLon Page1of your statement to make a payment online·
2. Youmust haveusedyour credit card for the purchase.Purchasesmadewith cashadvances
Youcan also enroHin AutoPay and haveyour payment amount automatically deducted from an ATMor with a checkthat accessesyour credit card accountdo not qualify.
eachmonth from the payment account you choose. 3. Youmust not yet have fully paid for the purchase.
Phone.Callthe number on Page1of your statement to rnakea payrnent by phone. For If all of the criteria aboveare met and you are still dissatisfiedwith the purchase,contact us in
phonepayments you authorize us to electronically debit your specified bank account by
o an ACHtransaction in the amount and on the date that you indicate on the phone. You may writing at the addressfor billing errors and customer service inquiries shownon Page1of yo-u-r
cancela phone payment by calling us at the Customer Servicenumber at the top of Page1 staten1ent
within the time period disclosedto you on the phone. There is no fee for making a payment Whilewe investigate,the samerules apply to the disputed amount asdiscussedabove.After
using our automated voice responsesystem. we finish our investigatron,we will tell you our decision. At that point, if we think you owean
amount and you do not pay. we may report you as delinquent.
KEY CREDIT TERMS
MONTHS*
NO INTEREST IF PAID IN FULL WITHIN 6 on purchases of $299 or more. Interest will be charged to your account
from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 6 months.
With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR:
17.99% - 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for
consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice; see store for details- HD FEB20
/AAHD - 9196-0400-0002 -/BA000 - -/CA -0 - D - 83-/DAP - - - 0- N -/E/- 1 - - - N - -0 -0 -/FA12/31/99- 03/01/21- 1 - March16,2021
-/ A NL - - -/HAO- - HHKB-AA - -0 - 0 - - -/JA - - - - -
Page 2 of 6
Please provide change of address and update/add your
phone numbers here: r use Nue or Mack ink.)
*Cell: *Home:
Phone: By giving us a cell number or a number later converted to a a
cell number, you agree that we or our service providers can contact
you at that number by autodialer, recorded or artificial voice, or a text.
Your phone plan charges may apply. . a
FILED: GREENE COUNTY CLERK 09/27/2023 04:56 PM INDEX NO. EF2023-682
**** **** ****
NYSCEF DOC. NO. 9
Account: 5731 RECEIVED NYSCEF: 09/27/2023
TRANSACTIONS
Trans Date Description Amount
03/19 THE HOME DEPOT CATSKILL NY S 237.15
LUMBER ELECTRICAL AND LIGHTING PLUMBING
03/25 THE HOME DEPOT CATSKILL NY S 247.51
BUILDING MATERIALS LUMBER
03/29 THE HOME DEPOT CATSKILL NY S 521.11
FLOORING PAINT HARDWARE
04/03 THE HOME DEPOT CATSKILL NY S 171.36
PAINT SEASONAL/GARDEN FEES
04/04 THE HOME DEPOT CATSKILL NY S 17.26
PAINT
04/05 THE HOME DEPOT CATSKILL NY S 21.55
PAINT
04/05 THE HOME DEPOT CATSKILL NY S 18.34
PAINT
04/07 THE HOME DEPOT CATSKILL NY S 45.90
PLUMBING SEASONAL/GARDEN
04/09 THE HOME DEPOT CATSKILL NY $ 38.98
PLUMBING BUILDING MATER1ALS FEES
04/10 THE HOME DEPOT CATSKILL NY S 73.44
LUMBER
04/14 THE HOME DEPOT CATSKILL NY S 247.32
HARDWARE
04/14 THE HOME DEPOT CATSKILL NY S 11.91-
GOODS AND SERVICES
FEES
C3 04/12 LATE FEE S 29.00
ru
TOTAL FEES FOR THIS PERIOD S 29.00
INTEREST CHARGED
04/15 INTEREST CHARGE ON PURCHASES S 24.43
TOTAL INTEREST FOR THIS PERIOD S 24.43
2021 Totals Year-to-Date
Total FeeS Charged in 2021 $29.00
Total Interest Charged in 2021 $24.43
ACTIVITY AND PROMOTIONS DETAIL
Original
Promotion Promotion Payments Purchases, Promotion Deferred Promotion
Trans Trans Previous & Other Fees & Interest New Minimum Interest Expiration
Amount Date Balance Credits Other Debits Charged Balance Payment Due Charges Date
PURCHASES
RevoMng Balance
$270.40 $11.91- $1.668.92 $24.43 $1,951.84 - - -
TOTAL $270.40 $11.91- $1,668.92 $24.43 $1,951.84 $0.00 $0.00
IMTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) Is the annual interest rate on your account.
Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge
PURCHASES
25.99% (M) $1.143.64 $24.43
Revolving Balance
Page 3 of 6
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NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 09/27/2023
.
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n Native & Healthy Plants- Choose native plants to contribute to the health
of ecosystems and pollinators
Growing Local- Each region has a unique ecosystem, and our Garden
Centers are proud to partner with local growers
ecooptions.homedepot.com
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FILED: GREENE COUNTY CLERK 09/27/2023 04:56 PM INDEX NO. EF2023-682
NYSCEF DOC. NO. 9 RECEIVED NYSCEF: 09/27/2023
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