Preview
iD: AU AUQUA OUN PK 09 4:0 DM INDEX NO. EK12023001220
NYSCEF BOC. NO. 2
AcéGUAT 'Staterrent’??
‘Send Notice of Billing Errors and Customer Service Inquiries to:
Customer Service: TRACTOR SUPPLY CREDIT PLAN
PO Box 6403, Sioux Falls SD, 57117-6403
tsecard.accountonline.com
Account Inquiries:
\Oi SuppLy ce 1-888-316-8480 (TTY: 711)
>
unt Number:
as
(Summary of Account Activity (Payment Information
Previous Balance $2,176.47 New Balance $2,270.70
Payments -$0.00 Minimum Payment Due $824.00
Other Credits -$0.00 Payment Due Date duly 21, 2023
Purchases +$0.00
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the
Fees Charged +$40.00 date listed above, you may have to pay alate fee up to $40.
Interest Charged +$54.23 Minimum Payment Warning: If you make only the minimum payment each
New Balance $2,270.70 petiod, you will pay more in interest and it will take you longer to pay off your
balance. For example:
\Past Due Amount $707.00_) if you make no additional You will pay off the And you will
charges using this card balance shown on this end up paying an
and each month you pay... Statement in about... estimated total of.,
(Credit Limit $0.00_) Only the minimum payment 9 years $4,598
Available Credit $0.00 $98 3 years $3,515
Amount Over Credit Limit $470.70 (Savings=$1,083)
Statement Closing Date 06/23/2023 Ifyou would like information about credit counseling services, call 1-877-337-818
(TTY: 711).
Next Statement Closing Date 07/25/2023
\Days in Billing Cycle 29 S
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.
YOU MAY REQUEST TO RECEIVE WRITTEN COMMUNICATIONS IN BRAILLE OR LARGE-PRINT FORMAT BY
CALLING THE TOLL FREE OR TTY NUMBER LISTED AT THE TOP OF THIS STATEMENT.
Reminder: Payments may be made in-store, by mail, by calling 1-800-263-0691, or by visiting tsccard.accountonline.com.
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.
yment will not be reflected until your next statement.
avis
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A.
Â¥ Please detach and return lower portion with your payment_t pre edit, tain tupper
edit, Retain
Your Account Number is NN 8269
\QoSappuyce Payment Due Date July 21, 2023
PO BOX 790894
ST. LOUIS, MO 63179 Pay your bill and more via your
New Balance $2,270.70
Account Online Past Due Amount! $707.00
Minimum Payment Due $824.00
Statement Enclosed tsccard.accountonline.com
Amount Enclosed: $
.
Past Due Amount is included in the Minimum Payment Due.
Please see reverse side to change your address.
Make Checks Payable tow
TRACTOR SUPPLY CREDIT PLAN
CAROLINE M WATSON PO BOX 70602
44 OAK ST PHILADELPHIA, PA 19176-0602
WESTFIELD, NY 14787-1242
ee: : 5
iD: ni 09 04 DM INDEX NO. EK12023001220
AU AUQUA OUN
NYSCEF BOC. NO. 2 RECEIVED NYSCEF: 09/28/2023
Information About Your Account. + Agent-Assisted Phone Payments. if you call us to make a payment with the assistance
How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after of alive agent, the payment will be applied the same day and you will be charged a $5.00
the close of each billing cycle. We will not charge you any interest on purchases if you pay your agent expedited payment fee.
New Balance by the payment due date each month. This is called a grace period on purchases. Express Mail. Send payment by express mail to: Consumer Payment Dept, 6716 Grade
To get a grace period on purchases, you must pay the New Balance by the payment due date Lane, Building 9, Suite 910, Louisville, KY 40213.
every billing cycle. if you do not, you will not get @ grace period until you pay the New Balance Crediting Payments other than by Mail. The payment cutoff time for Online bill payments,
for two billing cycles in a row. We will begin charging interest on cash advances (if available on Phone payments, and Express Mail payments is midnight Eastern time. This means that we
your account) on the transaction date. will credit your account as of the calendar day, based on E: rn time, that we receive your
If you have a balance subject to a deferred interest and that promotion does not expire before payment request,
the payment due date, that balance (an "excluded balance") is excluded from the amount you If you send an eligible check with this payment coupon, you authorize us to complete your
must pay in full to get a grace period on a purchase balance other than an excluded balance. payment by electronic debit. If we do, the checking account will be debited in the amount
In addition, if you have a major purchase pian, equal payment plan or budget purchase plan ‘on the check. We may do t as soon as the day we receive the check. Also,
balance, that baiance (an “excluded balance") is excluded from the amount you must pay in the check will be destroyed.
full to get a grace period on a purchase balance other than an excluded balance. However, Credit Reporting Disputes. We may report information about your account to credit bureaus.
you must still pay any separately required payment on the excluded balance. in billing cycles Ifyou think we reported inaccurate information, please write us at: Credit Bureau Dispute
in which payments are allocated to deferred interest balances first, the deferred interest Verification, P.O. Box 6497, Sioux Falls, SD S7117,
balance will be reduced before any other balance on the account. However, you will continue Report a Lost or Stolen Card Immediately. Cali the Account inquiries number shown on Page
to get a grace period on purchases, other than an excluded balance, so long as you pay the
New Balance (less any excluded balance, plus any separately required payment on an excluded
balance) in full by the payment due date each billing cycle. We may refer to deferred interest What To Do If You Think You Find A Mistake On Your Statement. if you think there is an
promotions as No Interest or No Monthly interest promotions. error on your statement, write to us at the address for billing errors and customer service
In addition, certain promotional offers may take away the grace period on purchases, inquiries shown on Page } of your statement.
Other promotional offers not described above may also allow you to have a grace period on, In your letter, give us the following information
purchases without having to pay all or a portion of the promotional balance by the payment due 1. Account information: Your name and account number.
date. if either is the case, the promotional offer will describe what happens. 2. Dollar amount: The doliar amount of the suspected error.
How We Calculate Your Balance Subject to Interest Rate. For each balance, the letter 3. Description of Problem: if you think there is an error on your bill,
foliowing the Annual Percentage Rate in the interest Charge Calculation section on the front describe what you believe is wrong and why you believe itis a mistake.
of the statement indicates the method we use to calculate interest charges. For Methods B You must contact us within 60 days after the error appeared on your statement.
and E, we use an average daily balance method (including current transactions) to calculate
interest charges. For Methods C, D and M, we usea daily balance method (including current You must notify us of any potential errors in writing. You may call us, but if you do we are not
transactions) to calculate interest charges. To find out more information about the balance required to investigate any potential errors and you may have to pay the amount in question
computation method that applies to your account and how the resulting interest charges were White we investigate whether or not there has been an error, the following are true:
determined, contact us at the Account inquiries number on the front. + We cannot try to collect the amount in question, or report you as delinquent on that
Other Account and Payment Information. amount.
Payment Amount. You may pay all or part of your account balance at any time. However, you ‘he charge in question may rermain on your statement, and we may continue to charge you
must pay, by the payment due date, at least the minimum payment due. interest on that amount. But, if we determine that we made a mistake, you will not have to
When Your Payment Will Be Credited. If we receive your payment in proper form at our pay the amount in question or any interest or other fees related to that amount
processing facilityby sm. local time there, it will be crecited as of that day. A payment + While you do not have to pay the ammount in question, you are responsible for the remainder
received there in proper form after that time will be credited as of the next day. Allow 5 to7 of your balance.
days for paymentsby regular mail to reach us. There may be a delay of up to 5 days in crediting + We can apply any unpaid amount against your credit limit.
apayment we receive that is not in proper form or is not sent to the correct address. The Your Rights If You Are Dissatisfied With Your Credit Card Purchases. if you are dissatisfied
correct address for regular mail is the address on the front of the payment coupon. The correct with the goods or services that you have purchased with your credit card, and you have tried
address for express mail is shown in the Express Mail section. in good faith to correct the problem with the merchant, you may have the right not to pay the
Proper Form. For a payment sent by mail or courier to be in proper form, you must: remaining amount due on the purchase
+ Enctose a valid check or money order, No cash, gift cards, or foreign currency please, Touse this right, all of the following must be true:
+ Include your name and the last four digits of your account number. 1 The purchase must have been made in your home state or within 100 miles of your current
Payment Other Than By Mail. mailing address, and the purchase price must have been more than $50. (Note: Neither of
+ In-Store (Where Available). Any payment in proper form accepted in-store will be credited these are necessary if your purchase was based on an advertisement we mailed to you, or if
as of that day. However, credit availability may be subject to verification of funds. Not all we own the company that sold you the goods or services.)
stores accept payments. Contact your local store to see if in-store payments are accepted 2. You must have used your credit card for the purchase. Purchases made with cash advances
at iat locati ion. from an ATM or with a check that accesses your credit card account do not qualify.
‘Online/AutoPay. Go to the URL on Page 1 of your statement to make a payment online. You 3. You must not yet have fully paid for the purchase.
can also enroll in AutoPay anc have your payment amount automatically deducted each If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in
month from the payment account you choose. writing at the address for billing errors and customer service inquiries shown on Page 1 of your
Phone. Call the number on Page tof your statement to make a payment by phone. For statement.
phone payments, you author us to electronically debit your specified bank account by While we investigate, the same rules apply to the disputed amount as discussed above. After
an ACH transaction in the amount and on the date that you indicate on the phone. You may we finish our investigation, we will tell you our decision. At that point, if we think you owe an
cancel a phone payment by calling usat the Customer Service number at the top of Page 1 amount and you do not pay, we may report you as delinquent.
within the time period disclosed to you on the phone. There is no fee for making a payment
using our automated voice response system. RPL PLAN FEB20
IAJ- TY - 9194-0575-0001 ~B/- 00 - TRACTOR- 1 -/C/-E-0-X- 86 /DI-P-E-Y - 0-NE-7- . . = 0 - 0-/FI- 01/26/23 - 12/01/19 - 42 - May 25, 2028
GI: N= IH/-0 -TS8Q-Vols = -0- 0 He = = 2107S « - 0521 - 6011575575002410
Page 2 of 4
~
Easily manage your contact information
It’s important we have your current contact
information, so if anything changes (including your
email or mailing address or phone number), please
do one of the following to easily update your
information:
You can update your contact information by logging
into your online account via the URL located in the
Customer Service section on the front of your
statement, or
Call the Account Inquiries phone number located in
the Customer Service section on the front of your
statement
iD: AU AUQUA OUN PK 09 4:0 DM INDEX NO. EK12023001220
NYSCEF BOC. NO. 2 RECEIVED NYSCEF: 09/28/2023
Account: ***" ***" **** 6269
TRANSACTIONS
Trans Date Description Reference # Amount
FEES
06/21 LATE FEE 40.00
TOTAL FEES FOR THIS PERIOD 40.00
INTEREST CHARGED
06/23 INTEREST CHARGE ON PURCHASES 54.23
TOTAL INTEREST FOR THIS PERIOD 54.23
zi
Ps me 2023 Totals ue
Total Fees Charged in 2023 $240.00
Total Interest Charged in 2023 $298.49
ACTIVITY AND PROMOTIONS DETAIL
Original Purchases,
Promotion Promo Payments Cash Adv, 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:
REGULAR
$2,176.47, $40.00 $54.23 $2,270.70
TOTAL $2,176.47 $0.00 $40.00 $54.23, $2,270.70 3000
Preview
iD: AU AUQUA OUN PK 09 4:0 DM INDEX NO. EK12023001220 NYSCEF BOC. NO. 2 AcéGUAT 'Staterrent’?? ‘Send Notice of Billing Errors and Customer Service Inquiries to: Customer Service: TRACTOR SUPPLY CREDIT PLAN PO Box 6403, Sioux Falls SD, 57117-6403 tsecard.accountonline.com Account Inquiries: \Oi SuppLy ce 1-888-316-8480 (TTY: 711) > unt Number: as (Summary of Account Activity (Payment Information Previous Balance $2,176.47 New Balance $2,270.70 Payments -$0.00 Minimum Payment Due $824.00 Other Credits -$0.00 Payment Due Date duly 21, 2023 Purchases +$0.00 Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$40.00 date listed above, you may have to pay alate fee up to $40. Interest Charged +$54.23 Minimum Payment Warning: If you make only the minimum payment each New Balance $2,270.70 petiod, you will pay more in interest and it will take you longer to pay off your balance. For example: \Past Due Amount $707.00_) if you make no additional You will pay off the And you will charges using this card balance shown on this end up paying an and each month you pay... Statement in about... estimated total of., (Credit Limit $0.00_) Only the minimum payment 9 years $4,598 Available Credit $0.00 $98 3 years $3,515 Amount Over Credit Limit $470.70 (Savings=$1,083) Statement Closing Date 06/23/2023 Ifyou would like information about credit counseling services, call 1-877-337-818 (TTY: 711). Next Statement Closing Date 07/25/2023 \Days in Billing Cycle 29 S 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. YOU MAY REQUEST TO RECEIVE WRITTEN COMMUNICATIONS IN BRAILLE OR LARGE-PRINT FORMAT BY CALLING THE TOLL FREE OR TTY NUMBER LISTED AT THE TOP OF THIS STATEMENT. Reminder: Payments may be made in-store, by mail, by calling 1-800-263-0691, or by visiting tsccard.accountonline.com. 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. yment will not be reflected until your next statement. avis PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A. ¥ Please detach and return lower portion with your payment_t pre edit, tain tupper edit, Retain Your Account Number is NN 8269 \QoSappuyce Payment Due Date July 21, 2023 PO BOX 790894 ST. LOUIS, MO 63179 Pay your bill and more via your New Balance $2,270.70 Account Online Past Due Amount! $707.00 Minimum Payment Due $824.00 Statement Enclosed tsccard.accountonline.com Amount Enclosed: $ . Past Due Amount is included in the Minimum Payment Due. Please see reverse side to change your address. Make Checks Payable tow TRACTOR SUPPLY CREDIT PLAN CAROLINE M WATSON PO BOX 70602 44 OAK ST PHILADELPHIA, PA 19176-0602 WESTFIELD, NY 14787-1242 ee: : 5 iD: ni 09 04 DM INDEX NO. EK12023001220 AU AUQUA OUN NYSCEF BOC. NO. 2 RECEIVED NYSCEF: 09/28/2023 Information About Your Account. + Agent-Assisted Phone Payments. if you call us to make a payment with the assistance How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after of alive agent, the payment will be applied the same day and you will be charged a $5.00 the close of each billing cycle. We will not charge you any interest on purchases if you pay your agent expedited payment fee. New Balance by the payment due date each month. This is called a grace period on purchases. Express Mail. Send payment by express mail to: Consumer Payment Dept, 6716 Grade To get a grace period on purchases, you must pay the New Balance by the payment due date Lane, Building 9, Suite 910, Louisville, KY 40213. every billing cycle. if you do not, you will not get @ grace period until you pay the New Balance Crediting Payments other than by Mail. The payment cutoff time for Online bill payments, for two billing cycles in a row. We will begin charging interest on cash advances (if available on Phone payments, and Express Mail payments is midnight Eastern time. This means that we your account) on the transaction date. will credit your account as of the calendar day, based on E: rn time, that we receive your If you have a balance subject to a deferred interest and that promotion does not expire before payment request, the payment due date, that balance (an "excluded balance") is excluded from the amount you If you send an eligible check with this payment coupon, you authorize us to complete your must pay in full to get a grace period on a purchase balance other than an excluded balance. payment by electronic debit. If we do, the checking account will be debited in the amount In addition, if you have a major purchase pian, equal payment plan or budget purchase plan ‘on the check. We may do t as soon as the day we receive the check. Also, balance, that baiance (an “excluded balance") is excluded from the amount you must pay in the check will be destroyed. full to get a grace period on a purchase balance other than an excluded balance. However, Credit Reporting Disputes. We may report information about your account to credit bureaus. you must still pay any separately required payment on the excluded balance. in billing cycles Ifyou think we reported inaccurate information, please write us at: Credit Bureau Dispute in which payments are allocated to deferred interest balances first, the deferred interest Verification, P.O. Box 6497, Sioux Falls, SD S7117, balance will be reduced before any other balance on the account. However, you will continue Report a Lost or Stolen Card Immediately. Cali the Account inquiries number shown on Page to get a grace period on purchases, other than an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately required payment on an excluded balance) in full by the payment due date each billing cycle. We may refer to deferred interest What To Do If You Think You Find A Mistake On Your Statement. if you think there is an promotions as No Interest or No Monthly interest promotions. error on your statement, write to us at the address for billing errors and customer service In addition, certain promotional offers may take away the grace period on purchases, inquiries shown on Page } of your statement. Other promotional offers not described above may also allow you to have a grace period on, In your letter, give us the following information purchases without having to pay all or a portion of the promotional balance by the payment due 1. Account information: Your name and account number. date. if either is the case, the promotional offer will describe what happens. 2. Dollar amount: The doliar amount of the suspected error. How We Calculate Your Balance Subject to Interest Rate. For each balance, the letter 3. Description of Problem: if you think there is an error on your bill, foliowing the Annual Percentage Rate in the interest Charge Calculation section on the front describe what you believe is wrong and why you believe itis a mistake. of the statement indicates the method we use to calculate interest charges. For Methods B You must contact us within 60 days after the error appeared on your statement. and E, we use an average daily balance method (including current transactions) to calculate interest charges. For Methods C, D and M, we usea daily balance method (including current You must notify us of any potential errors in writing. You may call us, but if you do we are not transactions) to calculate interest charges. To find out more information about the balance required to investigate any potential errors and you may have to pay the amount in question computation method that applies to your account and how the resulting interest charges were White we investigate whether or not there has been an error, the following are true: determined, contact us at the Account inquiries number on the front. + We cannot try to collect the amount in question, or report you as delinquent on that Other Account and Payment Information. amount. Payment Amount. You may pay all or part of your account balance at any time. However, you ‘he charge in question may rermain on your statement, and we may continue to charge you must pay, by the payment due date, at least the minimum payment due. interest on that amount. But, if we determine that we made a mistake, you will not have to When Your Payment Will Be Credited. If we receive your payment in proper form at our pay the amount in question or any interest or other fees related to that amount processing facilityby sm. local time there, it will be crecited as of that day. A payment + While you do not have to pay the ammount in question, you are responsible for the remainder received there in proper form after that time will be credited as of the next day. Allow 5 to7 of your balance. days for paymentsby regular mail to reach us. There may be a delay of up to 5 days in crediting + We can apply any unpaid amount against your credit limit. apayment we receive that is not in proper form or is not sent to the correct address. The Your Rights If You Are Dissatisfied With Your Credit Card Purchases. if you are dissatisfied correct address for regular mail is the address on the front of the payment coupon. The correct with the goods or services that you have purchased with your credit card, and you have tried address for express mail is shown in the Express Mail section. in good faith to correct the problem with the merchant, you may have the right not to pay the Proper Form. For a payment sent by mail or courier to be in proper form, you must: remaining amount due on the purchase + Enctose a valid check or money order, No cash, gift cards, or foreign currency please, Touse this right, all of the following must be true: + Include your name and the last four digits of your account number. 1 The purchase must have been made in your home state or within 100 miles of your current Payment Other Than By Mail. mailing address, and the purchase price must have been more than $50. (Note: Neither of + In-Store (Where Available). Any payment in proper form accepted in-store will be credited these are necessary if your purchase was based on an advertisement we mailed to you, or if as of that day. However, credit availability may be subject to verification of funds. Not all we own the company that sold you the goods or services.) stores accept payments. Contact your local store to see if in-store payments are accepted 2. You must have used your credit card for the purchase. Purchases made with cash advances at iat locati ion. from an ATM or with a check that accesses your credit card account do not qualify. ‘Online/AutoPay. Go to the URL on Page 1 of your statement to make a payment online. You 3. You must not yet have fully paid for the purchase. can also enroll in AutoPay anc have your payment amount automatically deducted each If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in month from the payment account you choose. writing at the address for billing errors and customer service inquiries shown on Page 1 of your Phone. Call the number on Page tof your statement to make a payment by phone. For statement. phone payments, you author us to electronically debit your specified bank account by While we investigate, the same rules apply to the disputed amount as discussed above. After an ACH transaction in the amount and on the date that you indicate on the phone. You may we finish our investigation, we will tell you our decision. At that point, if we think you owe an cancel a phone payment by calling usat the Customer Service number at the top of Page 1 amount and you do not pay, we may report you as delinquent. within the time period disclosed to you on the phone. There is no fee for making a payment using our automated voice response system. RPL PLAN FEB20 IAJ- TY - 9194-0575-0001 ~B/- 00 - TRACTOR- 1 -/C/-E-0-X- 86 /DI-P-E-Y - 0-NE-7- . . = 0 - 0-/FI- 01/26/23 - 12/01/19 - 42 - May 25, 2028 GI: N= IH/-0 -TS8Q-Vols = -0- 0 He = = 2107S « - 0521 - 6011575575002410 Page 2 of 4 ~ Easily manage your contact information It’s important we have your current contact information, so if anything changes (including your email or mailing address or phone number), please do one of the following to easily update your information: You can update your contact information by logging into your online account via the URL located in the Customer Service section on the front of your statement, or Call the Account Inquiries phone number located in the Customer Service section on the front of your statement iD: AU AUQUA OUN PK 09 4:0 DM INDEX NO. EK12023001220 NYSCEF BOC. NO. 2 RECEIVED NYSCEF: 09/28/2023 Account: ***" ***" **** 6269 TRANSACTIONS Trans Date Description Reference # Amount FEES 06/21 LATE FEE 40.00 TOTAL FEES FOR THIS PERIOD 40.00 INTEREST CHARGED 06/23 INTEREST CHARGE ON PURCHASES 54.23 TOTAL INTEREST FOR THIS PERIOD 54.23 zi Ps me 2023 Totals ue Total Fees Charged in 2023 $240.00 Total Interest Charged in 2023 $298.49 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promo Payments Cash Adv, 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: REGULAR $2,176.47, $40.00 $54.23 $2,270.70 TOTAL $2,176.47 $0.00 $40.00 $54.23, $2,270.70 3000