Preview
FILED: OSWEGO COUNTY CLERK 10/16/2023 03:20 PM INDEX NO. EFC-2023-1463
NYSCEF DOC. NO. 2 Page 1 of 2
RECEIVED NYSCEF: 10/16/2023
Platinum Card | Platinum Mastercard ending in 1161
Jan 29, 2023 - Feb 25, 2023 | 28 days in Billing Cycle
Payment Information Account Summary
Payment Due Date For online and phone payments, the Previous Balance $3,613.36
deadline is 8pm ET.
PAST DUE Payments $0.00
New Balance Minimum Payment Due Other Credits $0.00
$3,700.96 $3,700.96 Transactions + $0.00
IMPORTANT: Your account has charged off and is now serviced by the Cash Advances + $0.00
Recoveries department at 1-800-258-9319. Your full balance is due. Any
payment you make will reduce your balance and help pay off your debt Fees Charged + $0.00
faster. The amount you owe may differ if you've entered into a separate
payment agreement. Interest Charged + $87.60
New Balance = $3,700.96
Available Credit (as of Feb 25, 2023) N/A
Account Notifications
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace
periods. Contact the New York State Department of Financial Services: 1-877-226-5697 or www.dfs.ny.gov.
Pay or manage your account at capitalone.com Customer Service: 1-800-227-4825 See reverse for Important Information
MICHAEL C TRUMBLE
4124 COUNTY ROUTE 22
LACONA, NY 13083-3124
DAADFFDAFDAAFTTFDATDFADDADFFATTATADFFFDFTFATAFFTDTADFTTATAFDDFTTA
Payment Due Date: Past Due Account ending in 1161
New Balance Minimum Payment Due Amount Enclosed Capital One
P.O. Box 4069
$3,700.96 $3,700.96 $ ________ Carol Stream IL 60197-4069
Please send us this portion of your statement and only one check (or one money order) payable to Capital One FDDDADFAADFFATADAATATATFTDFATDATDDATTTTFATFFFADFDFTDAATTAATTDFATT
to ensure your payment is processed promptly. Allow at least seven business days for delivery.
1 5178058671951161 25 3700960671000000000
FILED: OSWEGO COUNTY CLERK 10/16/2023 03:20 PM INDEX NO. EFC-2023-1463
001
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/16/2023
How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the due date How do you Process Payments? When you make a payment, you authorize us to initiate an
each month, we will not charge interest on new transactions that post to the purchase balance. If ACH or electronic payment that will be debited from your bank account or other related
you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, account. When you provide a check or check information to make a payment, you authorize us
we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special to use information from the check to make a one-time ACH or other electronic transfer from
Transfers start on the transaction date. Promotional offers may allow you to pay less than the total your bank account. We may also process it as a check transaction. Funds may be withdrawn
New Balance and avoid paying interest on new transactions that post to your purchase balance. from your bank account as soon as the same day we process your payment.
See the front of your statement for additional information.
How do you Apply My Payment? We generally apply payments up to your Minimum
How is the Interest Charge Determined? Interest Charges accrue from the date of the Payment first to the balance with the lowest APR (including 0% APR), and then to balances
transaction, date the transaction is processed or the first day of the Billing Cycle. Interest accrues with higher APRs. We apply any part of your payment exceeding your Minimum Payment to
daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Cycle posts to the balance with the highest APR, and then to balances with lower APRs.
your account at the end of the Billing cycle and appears on your next statement. You may owe
Interest Charges even if you pay the entire New Balance one month, but did not do so the prior Billing Rights Summary (Does not Apply to Small Business Accounts)
month. Once you start accruing Interest Charges, you generally must pay your New Balance in full What To Do If You Think You Find A Mistake On Your Statement: If you think there is an
two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. error on your statement, write to us at:
Interest Charges are added to the corresponding segment of your account. P.O. Box 30285, Salt Lake City, UT 84130-0285.
Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of In your letter, give us the following information:
$0.00 for each Billing Cycle if your account is subject to an Interest Charge. • Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
How do you Calculate the Interest Charge? We use a method called Average Daily Balance • Description of Problem: If you think there is an error on your bill, describe what you believe is
(including new transactions). 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
1. First, for each segment we take the beginning balance each day and add in new transactions and us or notify us electronically, but if you do we are not required to investigate any potential
the periodic Interest Charge on the previous day's balance. Then we subtract any payments and errors and you may have to pay the amount in question. We will notify you in writing within 30
credits for that segment as of that day. The result is the daily balance for each segment. However, if days of our receipt of your letter. While we investigate whether or not there has been an error,
your previous statement balance was zero or a credit amount, new transactions which post to your the following are true:
purchase segment are not added to the daily balance. • 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
2. Next, for each segment, we add the daily balances together and divide the sum by the number of interest on that amount. But, if we determine that we made a mistake, you will not have to pay
days in the Billing Cycle. The result is the Average Daily Balance for each segment. 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 until we send you a notice about the
3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by outcome of our investigation, you are responsible for the remainder of your balance.
the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the • We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of
number of days in the Billing Cycle. We add the Interest Charges for all segments together. The your letter, we will send you a written notice explaining either that we corrected the error (to
result is your total Interest Charge for the Billing Cycle. appear on your next statement) or the reasons we believe the bill is correct.
The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the
Charge Calculation section of this Statement. 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
NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the amount due on the purchase. To use this right, the following must be true:
Interest Charge actually assessed. 1) 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;
and
2) You must not yet have fully paid for the purchase.
How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in
avoid paying an annual membership Fee by contacting Customer Service no later than 45 days writing at: P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same
after the last day in the Billing Cycle covered by this statement to request that we close your rules apply to the disputed amount as discussed above. After we finish our investigation, we
account. To avoid paying a monthly membership Fee, close your account and we will stop will tell you our decision. At that point, if we think you owe an amount and you do not pay we
assessing your monthly membership Fee. may report you as delinquent.
How can I Close My Account? You can contact Customer Service anytime to request that we © 2020 Capital One. Capital One is a federally registered service mark
close your account.
ETC-08 10/01/2020
How do I Make Payments? You may make your payment in several ways:
Pay online at capitalone.com
1. Online Banking by logging into your account;
2. Capital One Mobile Banking app for approved electronic devices;
3. Calling the telephone number listed on the front of this statement and providing the
Pay using the Capital One mobile app required payment information;
4. Sending mail payments to the address on the front of this statement with the
payment coupon or your account information.
Customer Service 1-800-227-4825 When will you Credit My Payment?
¨ For mobile, online or over the phone, as of the business day we receive it, as long
as it is made by 8 p.m. ET .
¨ For mail, as of the business day we receive it, as long as it is received by 5 p.m.
Changing your mailing address? local time at our processing center. You must send the bottom portion of this
statement and your check to the payment address on the front of this statement.
You can change your address by signing into your account online or by calling Please allow at least seven (7) business days for mail delivery. Mailed payments
Customer Service. received by us at any other location or payments in any other form may not be
credited as of the day we receive them.
Any written request on this form will not be honored.
FILED: OSWEGO COUNTY CLERK 10/16/2023 03:20 PM INDEX NO. EFC-2023-1463
NYSCEF DOC. NO. 2 Page 2 of 2
RECEIVED NYSCEF: 10/16/2023
Platinum Card | Platinum Mastercard ending in 1161
Jan 29, 2023 - Feb 25, 2023 | 28 days in Billing Cycle
Transactions
Visit capitalone.com to see detailed transactions.
MICHAEL C TRUMBLE #1161: Payments, Credits and Adjustments
Trans Date Post Date Description Amount
MICHAEL C TRUMBLE #1161: Transactions
Trans Date Post Date Description Amount
Fees
Trans Date Post Date Description Amount
Total Fees for This Period $0.00
Interest Charged
Interest Charge on Purchases $87.60
Interest Charge on Cash Advances $0.00
Interest Charge on Other Balances $0.00
Total Interest for This Period $87.60
Totals Year-to-Date
Total Fees charged $0.00
Total Interest charged $182.17
Interest 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 Charged
Purchases 31.24% P $3,655.42 $87.60
Cash Advances 31.24% P $0.00 $0.00
Variable APRs: If you have a letter code displayed next to any of the above APRs, this means they are variable APRs. They may increase or decrease based
on one of the following indices (reported in The Wall Street Journal) as described below.
Code next to your How do we calculate your APR(s)? When your APR(s) will change
APR(s)
P Prime Rate + margin The first day of the Billing Cycles that end in Jan., April, July and Oct.
L 3 month LIBOR + margin
D Prime Rate + margin The first day of each Billing Cycle
F 1 month LIBOR + margin
FILED: OSWEGO COUNTY CLERK 10/16/2023 03:20 PM INDEX NO. EFC-2023-1463
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/16/2023
Preview
FILED: OSWEGO COUNTY CLERK 10/16/2023 03:20 PM INDEX NO. EFC-2023-1463 NYSCEF DOC. NO. 2 Page 1 of 2 RECEIVED NYSCEF: 10/16/2023 Platinum Card | Platinum Mastercard ending in 1161 Jan 29, 2023 - Feb 25, 2023 | 28 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, the Previous Balance $3,613.36 deadline is 8pm ET. PAST DUE Payments $0.00 New Balance Minimum Payment Due Other Credits $0.00 $3,700.96 $3,700.96 Transactions + $0.00 IMPORTANT: Your account has charged off and is now serviced by the Cash Advances + $0.00 Recoveries department at 1-800-258-9319. Your full balance is due. Any payment you make will reduce your balance and help pay off your debt Fees Charged + $0.00 faster. The amount you owe may differ if you've entered into a separate payment agreement. Interest Charged + $87.60 New Balance = $3,700.96 Available Credit (as of Feb 25, 2023) N/A Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account at capitalone.com Customer Service: 1-800-227-4825 See reverse for Important Information MICHAEL C TRUMBLE 4124 COUNTY ROUTE 22 LACONA, NY 13083-3124 DAADFFDAFDAAFTTFDATDFADDADFFATTATADFFFDFTFATAFFTDTADFTTATAFDDFTTA Payment Due Date: Past Due Account ending in 1161 New Balance Minimum Payment Due Amount Enclosed Capital One P.O. Box 4069 $3,700.96 $3,700.96 $ ________ Carol Stream IL 60197-4069 Please send us this portion of your statement and only one check (or one money order) payable to Capital One FDDDADFAADFFATADAATATATFTDFATDATDDATTTTFATFFFADFDFTDAATTAATTDFATT to ensure your payment is processed promptly. Allow at least seven business days for delivery. 1 5178058671951161 25 3700960671000000000 FILED: OSWEGO COUNTY CLERK 10/16/2023 03:20 PM INDEX NO. EFC-2023-1463 001 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/16/2023 How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the due date How do you Process Payments? When you make a payment, you authorize us to initiate an each month, we will not charge interest on new transactions that post to the purchase balance. If ACH or electronic payment that will be debited from your bank account or other related you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, account. When you provide a check or check information to make a payment, you authorize us we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special to use information from the check to make a one-time ACH or other electronic transfer from Transfers start on the transaction date. Promotional offers may allow you to pay less than the total your bank account. We may also process it as a check transaction. Funds may be withdrawn New Balance and avoid paying interest on new transactions that post to your purchase balance. from your bank account as soon as the same day we process your payment. See the front of your statement for additional information. How do you Apply My Payment? We generally apply payments up to your Minimum How is the Interest Charge Determined? Interest Charges accrue from the date of the Payment first to the balance with the lowest APR (including 0% APR), and then to balances transaction, date the transaction is processed or the first day of the Billing Cycle. Interest accrues with higher APRs. We apply any part of your payment exceeding your Minimum Payment to daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Cycle posts to the balance with the highest APR, and then to balances with lower APRs. your account at the end of the Billing cycle and appears on your next statement. You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior Billing Rights Summary (Does not Apply to Small Business Accounts) month. Once you start accruing Interest Charges, you generally must pay your New Balance in full What To Do If You Think You Find A Mistake On Your Statement: If you think there is an two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. error on your statement, write to us at: Interest Charges are added to the corresponding segment of your account. P.O. Box 30285, Salt Lake City, UT 84130-0285. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of In your letter, give us the following information: $0.00 for each Billing Cycle if your account is subject to an Interest Charge. • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. How do you Calculate the Interest Charge? We use a method called Average Daily Balance • Description of Problem: If you think there is an error on your bill, describe what you believe is (including new transactions). 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 1. First, for each segment we take the beginning balance each day and add in new transactions and us or notify us electronically, but if you do we are not required to investigate any potential the periodic Interest Charge on the previous day's balance. Then we subtract any payments and errors and you may have to pay the amount in question. We will notify you in writing within 30 credits for that segment as of that day. The result is the daily balance for each segment. However, if days of our receipt of your letter. While we investigate whether or not there has been an error, your previous statement balance was zero or a credit amount, new transactions which post to your the following are true: purchase segment are not added to the daily balance. • 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 2. Next, for each segment, we add the daily balances together and divide the sum by the number of interest on that amount. But, if we determine that we made a mistake, you will not have to pay days in the Billing Cycle. The result is the Average Daily Balance for each segment. 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 until we send you a notice about the 3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by outcome of our investigation, you are responsible for the remainder of your balance. the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the • We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of number of days in the Billing Cycle. We add the Interest Charges for all segments together. The your letter, we will send you a written notice explaining either that we corrected the error (to result is your total Interest Charge for the Billing Cycle. appear on your next statement) or the reasons we believe the bill is correct. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the Charge Calculation section of this Statement. 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 NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the amount due on the purchase. To use this right, the following must be true: Interest Charge actually assessed. 1) 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; and 2) You must not yet have fully paid for the purchase. How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in avoid paying an annual membership Fee by contacting Customer Service no later than 45 days writing at: P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same after the last day in the Billing Cycle covered by this statement to request that we close your rules apply to the disputed amount as discussed above. After we finish our investigation, we account. To avoid paying a monthly membership Fee, close your account and we will stop will tell you our decision. At that point, if we think you owe an amount and you do not pay we assessing your monthly membership Fee. may report you as delinquent. How can I Close My Account? You can contact Customer Service anytime to request that we © 2020 Capital One. Capital One is a federally registered service mark close your account. ETC-08 10/01/2020 How do I Make Payments? You may make your payment in several ways: Pay online at capitalone.com 1. Online Banking by logging into your account; 2. Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the Pay using the Capital One mobile app required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Customer Service 1-800-227-4825 When will you Credit My Payment? ¨ For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET . ¨ For mail, as of the business day we receive it, as long as it is received by 5 p.m. Changing your mailing address? local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. You can change your address by signing into your account online or by calling Please allow at least seven (7) business days for mail delivery. Mailed payments Customer Service. received by us at any other location or payments in any other form may not be credited as of the day we receive them. Any written request on this form will not be honored. FILED: OSWEGO COUNTY CLERK 10/16/2023 03:20 PM INDEX NO. EFC-2023-1463 NYSCEF DOC. NO. 2 Page 2 of 2 RECEIVED NYSCEF: 10/16/2023 Platinum Card | Platinum Mastercard ending in 1161 Jan 29, 2023 - Feb 25, 2023 | 28 days in Billing Cycle Transactions Visit capitalone.com to see detailed transactions. MICHAEL C TRUMBLE #1161: Payments, Credits and Adjustments Trans Date Post Date Description Amount MICHAEL C TRUMBLE #1161: Transactions Trans Date Post Date Description Amount Fees Trans Date Post Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $87.60 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $87.60 Totals Year-to-Date Total Fees charged $0.00 Total Interest charged $182.17 Interest 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 Charged Purchases 31.24% P $3,655.42 $87.60 Cash Advances 31.24% P $0.00 $0.00 Variable APRs: If you have a letter code displayed next to any of the above APRs, this means they are variable APRs. They may increase or decrease based on one of the following indices (reported in The Wall Street Journal) as described below. Code next to your How do we calculate your APR(s)? When your APR(s) will change APR(s) P Prime Rate + margin The first day of the Billing Cycles that end in Jan., April, July and Oct. L 3 month LIBOR + margin D Prime Rate + margin The first day of each Billing Cycle F 1 month LIBOR + margin FILED: OSWEGO COUNTY CLERK 10/16/2023 03:20 PM INDEX NO. EFC-2023-1463 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 10/16/2023