Preview
FILED: ST. LAWRENCE COUNTY CLERK 10/02/2023 01:27 PM INDEX NO. EFCV-23-165248
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/02/2023
Page 1 of 4
mercury
==
Account Number XXXX XXXX XXXX 3535
Previous Balance $1,353.47
December 24, 2022 - January 23, 2023 -
Payments $0.00
Other Credits - $0.00
Purchases and Adjustments + $0.00
New Balance $1,390.52 Balance Transfers + $0.00
Minimum Payment Due $517.52 Cash Advances + $0.00
Fees Charged + $0.00
Payment Due Date 02/20/2023
Interest Charged + $37.05
Late Payment Warning:
If we do not receive your minimum payment by the date listed above, you may have New Balance $1,390.52
to pay a late fee up to $40.00-
Statement End Date January 23, 2023
Days in Billing Cycle 31
Minimum Payment Warning:
If you make only the minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance. For example
Past No $466.94
Overlimit $390.52
If you make no You will pay off the
additional charges using balance shown on
this card and each this statement m
total of
month you pay ... about ...
Total Credit Line $0.00
Only the Minimum
Payment Credit Line for Cash $0.00
If you would like information about credit counseling services, Total Available Credit $0.00
call 866-686-2158- Available Credit for Cash $0.00
Previous Balance 1,060
Eamed + 0
Redeemed - 0
Other Adjustments + 0
Current Balance = 1,060
Pay Online, Mobile, Phone or Mail
Online
www.mercurycards.com
Mobile App
In your favorite
Phone
866-686-2158
V
/ \
Mail
PO BOX 70168
app store Philadelphia PA 19176-0168
For correspondence only: Customer Service, PO BOX 84064, Columbus GA 31908-4064
Pleasetearat perforationandmakepaymentpayable10CardServices.SEEREVERSEFORIMPORTANT
INFORMATION.
m e r c u r y- Account 3535
Ending
CARD SERVICES New Balance $1,390.52
PO BOX 84064
COLUMBUS GA 31908-4064 Minimum Payment Due $517.52
Payment Due Date 02/20/23
Checkherefor anyaddresschangesand
indicateany changeson reverse.
DANIELLE CLEMENT CARD SERVICES
** 0054311 Payment
33 HOUGH RD
MASSENA NY 13662-3307 T°
PHILADELPHIA PA 19176-0168
FILED: ST. LAWRENCE COUNTY CLERK 10/02/2023 01:27 PM INDEX NO. EFCV-23-165248
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/02/2023
Page 2 of 4
Danielle Clement Closing Date 01/23/2023
Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment
Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing
number. If you are enrolled in automatic payments (AutoPay), we reserve the right to cancel enrollment without prior notice. Please do not send
full"
post-dated checks as they will be deposited upon receipt. Late payments, partial payments or payments marked "payment in or with any other
restrictive endorsement can be accepted by us without losing any of our rights under your Cardmember Agreement. We may re-present to your
financial institution any payment that is retumed unpaid. We may delay increasing your available credit by the amount of any payment that we receive
for up to 10 Business Days.
When Your Mailed Payment Will be Credited. If we receive your mailed payment in proper form at the proper address by 5 p.m. Eastem Time, on a
Business Day, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next Business Day. If
the payment due date falls on a day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next Business
Day. Business Day means Monday through Friday, excluding federal holidays. Allow at least 7 days for payments by regular mail to reach us. There
may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or not sent to the correct address. The correct address for
regular mail is the 'Payment to' address on the front of the payment coupon. The correct address for express mail is Lockbox Services, Box #70168,
400 White Clay Center Dr, Newark, DE 19711.
Proper Form: For a payment sent by regular or express mail, proper form is a single check or money order, in U.S. dollars, drawn on a U.S. institution,
with a single payment coupon from your billing statement. Include your name and the last four digits of your Account number. Unless sent by express
mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips. No extra pieces of paper.
Payment online, by phone or mobile: Payments made through our website, www.mercurycards.com, through thephone number shown on the front
of your statement or through our mobile appand completed on a Business Day by midnight Eastem Time, will be credited as of that day. Otherwise, it
will be credited on the next Business Day.
Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us to use information from your check to make a
one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive
your check back from your financial institution.
How to Avoid Paying Interest on Purchases: Your due date is at least 23 days after the close of each Billing Period. You will not be charged
interest on Purchases in a Billing Period in which you pay the New Balance in full by the Payment Due Date. If you don't pay your New Balance in full
by the Payment Due Date in a Billing Period, you'll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post
to your Account, subject to applicable law. You will pay interest on Balance Transfers and Cash Advances from the date these Transactions post to
your Account.
How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the "Balance
Rate." Transactions)."
Subject to Interest We use the "Average Daily Balance Method (including Current For each balance, to determine an average
daily balance, we start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the
prior Billing Period. Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other
adjustments. We add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance
balance. We generally add other fees to the standard Purchase balance.This gives us the daily balance. A credit balance is treated as a balance of
zero. Then, we add up all the balances of that balance type for the Billing Period, and divide the total by the number of days in the Billing Period. This
gives us the Average Daily Balance for the balance. We multiply the applicable daily periodic rate by the Average Daily Balance by the number of days
in the Billing Period.
Variable rates: vary with the market based on the Prime Rate.
Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your
Account may be reflected in your credit report. If you think we reported inaccurate information to a credit bureau, write to us Card Services - Dispute
Resolution, PO Box 84064, Columbus, GA 31908-4064.
Change of Address : If the information on the front of this statement is incorrect, please provide updated information:
Please call us for any address change requests outside of the United States, including the US territories.
Name:
Address:
City: State: Zip:
Home Phone Work Phone Cell Phone
Number: Number: Number:
By giving us your telephone number, you authorize us and our service providers to contact you at that number regarding your account. Your consent allows
contact by text messaging, artificial or prerecorded voice messages and automatic dialing technology for periodic informational and service calls. These
"STOP."
communications may be monitored or recorded. Message and data rates may apply. You can opt out of text messaging by responding If you have
any questions regarding privacy, please read our Privacy Notice.
FILED: ST. LAWRENCE COUNTY CLERK 10/02/2023 01:27 PM INDEX NO. EFCV-23-165248
“¯
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/02/2023
-
Page 3 of 4
Danielle Clement Closing Date 01/23/2023
Notice to New York Residents: For free information on comparative credit card rates, fees and grace periods, contact
the New York State Department of Financial Services at 1-800-342-3736 or visit http://www.dfs.ny.gov.
Your account is now seven payments past due. Please contact us at 844-325-5884 to discuss your options.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
01/23 01/23 Interest Charge-Purchases $37.05
Total Interest for this Period $37.05
Total Fees charged in 2023 $0.00
Total Interest charged in 2023 $37.05
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Percentage Balance Subject Interest Charge
Rate (APR) to Interest Rate
Purchase 32.24%(v) $1,353.47 $37.05
Balance Transfer 32.24%(v) $0.00 $0.00
Cash Advance 32.24%(v) $0.00 $0.00
(v) = variable rate
Enroll in AutoPay to ensure your payment is made by the due date each month. Simply log in to www.mercurycards.com
and select Set Up AutoPay to enroll today.
FILED: ST. LAWRENCE COUNTY CLERK 10/02/2023 01:27 PM INDEX NO. EFCV-23-165248
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/02/2023
Page 4 of 4
Danielle Clement Closing Date 01/23/2023
How to Report a Lost or Stolen Card: Call customer service at 866-686-2158.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064.
In your letter, give us the following information:
" Account information: Your name and Account number.
" Dollar amount: The dollar amount of the suspected error.
" Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have
to pay the amount in question.
While we investigate whether or not there has been an error,the following are true:
" We cannot try to collect the amount in question, or report you as delinquent on that amount.
" The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made
a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
" While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
" We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with
the merchant, you may have the right not to pay the remaining amount due on the Purchase.
To use this right, all of the following must be true:
1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been
more than $50. (Note: Neither of these is necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a Check that accesses your credit
card Account do not qualify.
3. You must not yet have fully paid for the Purchase.
If all of the criteria above are met and you are still dissatisfied with the Purchase, contact usin writing at Card Services - Dispute Resolution, PO Box
84064, Columbus, GA 31908-4064.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that
point, if we think you owe an amount and you do not pay we may report you as delinquent.
Customer Service Address: Card Services, PO Box 84064, Columbus, GA 31908-4064.
Preview
FILED: ST. LAWRENCE COUNTY CLERK 10/02/2023 01:27 PM INDEX NO. EFCV-23-165248 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/02/2023 Page 1 of 4 mercury == Account Number XXXX XXXX XXXX 3535 Previous Balance $1,353.47 December 24, 2022 - January 23, 2023 - Payments $0.00 Other Credits - $0.00 Purchases and Adjustments + $0.00 New Balance $1,390.52 Balance Transfers + $0.00 Minimum Payment Due $517.52 Cash Advances + $0.00 Fees Charged + $0.00 Payment Due Date 02/20/2023 Interest Charged + $37.05 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have New Balance $1,390.52 to pay a late fee up to $40.00- Statement End Date January 23, 2023 Days in Billing Cycle 31 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example Past No $466.94 Overlimit $390.52 If you make no You will pay off the additional charges using balance shown on this card and each this statement m total of month you pay ... about ... Total Credit Line $0.00 Only the Minimum Payment Credit Line for Cash $0.00 If you would like information about credit counseling services, Total Available Credit $0.00 call 866-686-2158- Available Credit for Cash $0.00 Previous Balance 1,060 Eamed + 0 Redeemed - 0 Other Adjustments + 0 Current Balance = 1,060 Pay Online, Mobile, Phone or Mail Online www.mercurycards.com Mobile App In your favorite Phone 866-686-2158 V / \ Mail PO BOX 70168 app store Philadelphia PA 19176-0168 For correspondence only: Customer Service, PO BOX 84064, Columbus GA 31908-4064 Pleasetearat perforationandmakepaymentpayable10CardServices.SEEREVERSEFORIMPORTANT INFORMATION. m e r c u r y- Account 3535 Ending CARD SERVICES New Balance $1,390.52 PO BOX 84064 COLUMBUS GA 31908-4064 Minimum Payment Due $517.52 Payment Due Date 02/20/23 Checkherefor anyaddresschangesand indicateany changeson reverse. DANIELLE CLEMENT CARD SERVICES ** 0054311 Payment 33 HOUGH RD MASSENA NY 13662-3307 T° PHILADELPHIA PA 19176-0168 FILED: ST. LAWRENCE COUNTY CLERK 10/02/2023 01:27 PM INDEX NO. EFCV-23-165248 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/02/2023 Page 2 of 4 Danielle Clement Closing Date 01/23/2023 Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing number. If you are enrolled in automatic payments (AutoPay), we reserve the right to cancel enrollment without prior notice. Please do not send full" post-dated checks as they will be deposited upon receipt. Late payments, partial payments or payments marked "payment in or with any other restrictive endorsement can be accepted by us without losing any of our rights under your Cardmember Agreement. We may re-present to your financial institution any payment that is retumed unpaid. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 Business Days. When Your Mailed Payment Will be Credited. If we receive your mailed payment in proper form at the proper address by 5 p.m. Eastem Time, on a Business Day, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next Business Day. If the payment due date falls on a day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next Business Day. Business Day means Monday through Friday, excluding federal holidays. Allow at least 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or not sent to the correct address. The correct address for regular mail is the 'Payment to' address on the front of the payment coupon. The correct address for express mail is Lockbox Services, Box #70168, 400 White Clay Center Dr, Newark, DE 19711. Proper Form: For a payment sent by regular or express mail, proper form is a single check or money order, in U.S. dollars, drawn on a U.S. institution, with a single payment coupon from your billing statement. Include your name and the last four digits of your Account number. Unless sent by express mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips. No extra pieces of paper. Payment online, by phone or mobile: Payments made through our website, www.mercurycards.com, through thephone number shown on the front of your statement or through our mobile appand completed on a Business Day by midnight Eastem Time, will be credited as of that day. Otherwise, it will be credited on the next Business Day. Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us to use information from your check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive your check back from your financial institution. How to Avoid Paying Interest on Purchases: Your due date is at least 23 days after the close of each Billing Period. You will not be charged interest on Purchases in a Billing Period in which you pay the New Balance in full by the Payment Due Date. If you don't pay your New Balance in full by the Payment Due Date in a Billing Period, you'll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post to your Account, subject to applicable law. You will pay interest on Balance Transfers and Cash Advances from the date these Transactions post to your Account. How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the "Balance Rate." Transactions)." Subject to Interest We use the "Average Daily Balance Method (including Current For each balance, to determine an average daily balance, we start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the prior Billing Period. Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other adjustments. We add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance balance. We generally add other fees to the standard Purchase balance.This gives us the daily balance. A credit balance is treated as a balance of zero. Then, we add up all the balances of that balance type for the Billing Period, and divide the total by the number of days in the Billing Period. This gives us the Average Daily Balance for the balance. We multiply the applicable daily periodic rate by the Average Daily Balance by the number of days in the Billing Period. Variable rates: vary with the market based on the Prime Rate. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. If you think we reported inaccurate information to a credit bureau, write to us Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064. Change of Address : If the information on the front of this statement is incorrect, please provide updated information: Please call us for any address change requests outside of the United States, including the US territories. Name: Address: City: State: Zip: Home Phone Work Phone Cell Phone Number: Number: Number: By giving us your telephone number, you authorize us and our service providers to contact you at that number regarding your account. Your consent allows contact by text messaging, artificial or prerecorded voice messages and automatic dialing technology for periodic informational and service calls. These "STOP." communications may be monitored or recorded. Message and data rates may apply. You can opt out of text messaging by responding If you have any questions regarding privacy, please read our Privacy Notice. FILED: ST. LAWRENCE COUNTY CLERK 10/02/2023 01:27 PM INDEX NO. EFCV-23-165248 “¯ NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/02/2023 - Page 3 of 4 Danielle Clement Closing Date 01/23/2023 Notice to New York Residents: For free information on comparative credit card rates, fees and grace periods, contact the New York State Department of Financial Services at 1-800-342-3736 or visit http://www.dfs.ny.gov. Your account is now seven payments past due. Please contact us at 844-325-5884 to discuss your options. This is an attempt to collect a debt and any information obtained will be used for that purpose. 01/23 01/23 Interest Charge-Purchases $37.05 Total Interest for this Period $37.05 Total Fees charged in 2023 $0.00 Total Interest charged in 2023 $37.05 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to Interest Rate Purchase 32.24%(v) $1,353.47 $37.05 Balance Transfer 32.24%(v) $0.00 $0.00 Cash Advance 32.24%(v) $0.00 $0.00 (v) = variable rate Enroll in AutoPay to ensure your payment is made by the due date each month. Simply log in to www.mercurycards.com and select Set Up AutoPay to enroll today. FILED: ST. LAWRENCE COUNTY CLERK 10/02/2023 01:27 PM INDEX NO. EFCV-23-165248 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/02/2023 Page 4 of 4 Danielle Clement Closing Date 01/23/2023 How to Report a Lost or Stolen Card: Call customer service at 866-686-2158. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064. In your letter, give us the following information: " Account information: Your name and Account number. " Dollar amount: The dollar amount of the suspected error. " Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error,the following are true: " We cannot try to collect the amount in question, or report you as delinquent on that amount. " The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. " While you do not have to pay the amount in question, you are responsible for the remainder of your balance. " We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been more than $50. (Note: Neither of these is necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a Check that accesses your credit card Account do not qualify. 3. You must not yet have fully paid for the Purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact usin writing at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Customer Service Address: Card Services, PO Box 84064, Columbus, GA 31908-4064.