Preview
FILED: ONONDAGA COUNTY CLERK 12/29/2020 01:24 PM INDEX NO. 008821/2020
NYSCEF DOC. NO. 2 Page 1 of 5
RECEIVED NYSCEF: 12/29/2020
Spark Visa Signature Business Account Ending in 2983
Feb. 26, 2020 - Mar. 25, 2020 | 29 days in Billing Cycle
Payment Information Account Summary
Payment Due Date For online and phone payments, Previous Balance $7,851.44
the deadline is 8pm ET.
PAST DUE Payments $0.00
New Balance Minimum Payment Due Other Credits $0.00
$7,973.36 $7,973.36 Transactions + $0.00
Cash Advances + $0.00
Fees Charged + $0.00
Interest Charged + $121.92
New Balance = $7,973.36
Available Credit (as of Mar. 25, 2020) 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 on our mobile app or at www.capitalone.com. Customer Service: 1-800-258-9319 See reverse for Important Information
Please send us this portion of your statement and only one check (or one money order) to
ensure your payment is processed promptly. Allow at least seven business days for delivery.
Payment Due Date: Past Due Account Ending in 2983
New Balance Minimum Payment Due Amount Enclosed
$7,973.36 $7,973.36 $ __________
JOHN W WHITE
JOHN W WHITE CONSTRUCTION CO
4901 LEDYARD DR Capital One
MANLIUS, NY 13104-1516 P.O. Box 6492
Carol Stream, IL 60197-6492
1 4802138928302983 25 7973360188007973366
FILED: ONONDAGA COUNTY CLERK 12/29/2020 01:24 PM INDEX NO.
001008821/2020
NYSCEF DOC.
How canNO.
I Avoid2Paying Interest Charges? If you pay your New Balance in full by the How can I Close My Account? You RECEIVED NYSCEF:
can contact Customer 12/29/2020
Service anytime to request
due date each month, we will not charge interest on new transactions that post to the that we close your account.
purchase balance. If you have been paying in full without Interest Charges, but fail to pay How do you Process Payments? When you make a payment, you authorize us to
your next New Balance in full, we will charge interest on the unpaid balance. Interest initiate an ACH or electronic payment that will be debited from your bank account or
Charges on Cash Advances and Special Transfers start on the transaction date. other related account. When you provide a check or check information to make a
Promotional offers may allow you to pay less than the total New Balance and avoid paying payment, you authorize us to use information from the check to make a one-time ACH or
interest on new transactions that post to your purchase balance. See the front of your other electronic transfer from your bank account. We may also process it as a check
statement for additional information. transaction. Funds may be withdrawn from your bank account as soon as the same day
How is the Interest Charge Determined? Interest Charges accrue from the date of the we process your payment.
transaction, date the transaction is processed or the first day of the Billing Cycle. Interest How do you Apply My Payment? We generally apply payments up to your Minimum
accrues daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Payment first to the balance with the lowest APR (including 0% APR), and then to
Cycle posts to your account at the end of the Billing cycle and appears on your next balances with higher APRs. We apply any part of yourpayment exceeding your Minimum
statement. You may owe Interest Charges even if you pay the entire New Balance one Payment to the balance with the highest APR, and then to balances with lower APRs.
month, but did not do so the prior month. Once you start accruing Interest Charges, you Billing Rights Summary (Does not Apply to Small Business Accounts)
generally must pay your New Balance in full two consecutive Billing Cycles before Interest What To Do If You Think You Find A Mistake On Your Statement: If you think there
Charges stop being posted to your Statement. Interest Charges are added to the is an error on your statement, write to us at:
corresponding segment of your account. Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285.
Do you assess a Minimum Interest Charge? We may assess a minimum Interest In your letter, give us the following information:
Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. · Account information: Your name and account number.
How do you Calculate the Interest Charge? We use a method called Average Daily · Dollar amount: The dollar amount of the suspected error.
Balance (including new transactions). · Description of Problem: If you think there is an error on your bill, describe what you
1. First, for each segment we take the beginning balance each day and add in new believe is wrong and why you believe it is a mistake. You must contact us within 60
transactions and the periodic Interest Charge on the previous day's balance. Then we days after the error appeared on your statement. You must notify us of any potential
subtract any payments and credits for that segment as of that day. The result is the daily errors in writing. You may call us or notify us electronically, but if you do we are not
balance for each segment. However, if your previous statement balance was zero or a required to investigate any potential errors and you may have to pay the amount in
credit amount, new transactions which post to your purchase segment are not added to question. We will notify you in writing within 30 days of our receipt of your letter. While
the daily balance. we investigate whether or not there has been an error, the following are true:
2. Next, for each segment, we add the daily balances together and divide the sum by the · We cannot try to collect the amount in question, or report you as delinquent on that
number of days in the Billing Cycle. The result is the Average Daily Balance for each amount. The charge in question may remain on your statement, and we may continue to
segment. charge you interest on that amount. But, if we determine that we made a mistake, you
3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each will not have to pay the amount in question or any interest or other fees related to that
segment by the daily periodic rate (APR divided by 365) for that segment, and then we amount.
multiply the result by the number of days in the Billing Cycle. We add the Interest Charges · While you do not have to pay the amount in question until we send you a notice about
for all segments together. The result is your total Interest Charge for the Billing Cycle. the outcome of our investigation, you are responsible for the remainder of your balance.
The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the · We can apply any unpaid amount against your credit limit. Within 90 days of our
Interest Charge Calculation section of this Statement. receipt of your letter, we will send you a written notice explaining either that we
NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly corrected the error (to appear on your next statement) or the reasons we believe the bill
from the Interest Charge actually assessed. is correct.
How can my Variable APR change? Your APRs may increase or decrease based on one Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with
of the following indices (reported in The Wall Street Journal ). The letter code below the goods or services that you have purchased with your credit card, and you have tried
corresponds with the letter next to your APRs in the Interest Charge Calculation section of in good faith to correct the problem with the merchant, you may have the right not to pay
this statement. the remaining amount due on the purchase. To use this right, the following must be true:
Code next to How do we calculate your When your APR(s) will change 1) You must have used your credit card for the purchase. Purchases made with cash
your APR(s) APR(s)? Index + margin advances from an ATM or with a check that accesses your credit card account do not
P Prime Rate + margin The first day of the Billing Cycles that qualify; and
L 3 month LIBOR + margin end in Jan., April, July, and Oct. 2) You must not yet have fully paid for the purchase.
D Prime Rate + margin The first day of each Billing Cycle. If all of the criteria above are met and you are still dissatisfied with the purchase, contact
F 1 month LIBOR + margin us in writing at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we
investigate, the same rules apply to the disputed amount as discussed above. After we
How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement,
finish our investigation, we will tell you our decision. At that point, if we think you owe an
you may avoid paying an annual membership Fee by contacting Customer Service no later
amount and you do not pay we may report you as delinquent.
than 45 days after the last day in the Billing Cycle covered by this statement to request
that we close your account. To avoid paying a monthly membership Fee, close your ETC-08
© 2020 Capital One. Capital One is a federally registered service mark 01/01/20
account and we will stop assessing your monthly membership Fee.
Changing Mailing Address? How do I Make Payments? You may make your payment in several ways:
1. Online Banking by logging into your account;
You can change your address by signing into your account online or calling Customer
2. Capital One Mobile Banking app for approved electronic devices;
Service.
3. Calling the telephone number listed on the front of this statement and providing the
required payment information;
4. Sending mail payments to the address on the front of this statement with the
Pay online at www.capitalone.com payment coupon or your account information.
When will you Credit My Payment?
Pay using our mobile app
· 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.
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.
Please allow at least seven (7) business days for mail delivery. Mailed payments
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 requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options.
FILED: ONONDAGA COUNTY CLERK 12/29/2020 01:24 PM INDEX NO. 008821/2020
NYSCEF DOC. NO. 2 Page 2 of 5
RECEIVED NYSCEF: 12/29/2020
Spark Visa Signature Business Account Ending in 2983
Feb. 26, 2020 - Mar. 25, 2020 | 29 days in Billing Cycle
Transactions
Visit www.capitalone.com to see detailed transactions.
JOHN W WHITE #2983: Payments, Credits and Adjustments
Date Description Amount
JOHN W WHITE #2983: Transactions
Date Description Amount
Fees
Date Description Amount
Total Fees for This Period $0.00
Interest Charged
Interest Charge on Purchases $121.92
Interest Charge on Cash Advances $0.00
Interest Charge on Other Balances $0.00
Total Interest for This Period $121.92
Totals Year-to-Date
Total Fees charged $0.00
Total Interest charged $376.36
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Annual Percentage Balance Subject Interest Charge
Balance Rate(APR) to Interest Rate
Purchases 19.40% D $7,910.12 $121.92
Cash Advances 26.40% D $0.00 $0.00
P,L,D,F = Variable Rate. See reverse of page 1 for details.
FILED: ONONDAGA COUNTY CLERK 12/29/2020 01:24 PM INDEX NO. 008821/2020
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/29/2020
Preview
FILED: ONONDAGA COUNTY CLERK 12/29/2020 01:24 PM INDEX NO. 008821/2020 NYSCEF DOC. NO. 2 Page 1 of 5 RECEIVED NYSCEF: 12/29/2020 Spark Visa Signature Business Account Ending in 2983 Feb. 26, 2020 - Mar. 25, 2020 | 29 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $7,851.44 the deadline is 8pm ET. PAST DUE Payments $0.00 New Balance Minimum Payment Due Other Credits $0.00 $7,973.36 $7,973.36 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $121.92 New Balance = $7,973.36 Available Credit (as of Mar. 25, 2020) 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 on our mobile app or at www.capitalone.com. Customer Service: 1-800-258-9319 See reverse for Important Information Please send us this portion of your statement and only one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Past Due Account Ending in 2983 New Balance Minimum Payment Due Amount Enclosed $7,973.36 $7,973.36 $ __________ JOHN W WHITE JOHN W WHITE CONSTRUCTION CO 4901 LEDYARD DR Capital One MANLIUS, NY 13104-1516 P.O. Box 6492 Carol Stream, IL 60197-6492 1 4802138928302983 25 7973360188007973366 FILED: ONONDAGA COUNTY CLERK 12/29/2020 01:24 PM INDEX NO. 001008821/2020 NYSCEF DOC. How canNO. I Avoid2Paying Interest Charges? If you pay your New Balance in full by the How can I Close My Account? You RECEIVED NYSCEF: can contact Customer 12/29/2020 Service anytime to request due date each month, we will not charge interest on new transactions that post to the that we close your account. purchase balance. If you have been paying in full without Interest Charges, but fail to pay How do you Process Payments? When you make a payment, you authorize us to your next New Balance in full, we will charge interest on the unpaid balance. Interest initiate an ACH or electronic payment that will be debited from your bank account or Charges on Cash Advances and Special Transfers start on the transaction date. other related account. When you provide a check or check information to make a Promotional offers may allow you to pay less than the total New Balance and avoid paying payment, you authorize us to use information from the check to make a one-time ACH or interest on new transactions that post to your purchase balance. See the front of your other electronic transfer from your bank account. We may also process it as a check statement for additional information. transaction. Funds may be withdrawn from your bank account as soon as the same day How is the Interest Charge Determined? Interest Charges accrue from the date of the we process your payment. transaction, date the transaction is processed or the first day of the Billing Cycle. Interest How do you Apply My Payment? We generally apply payments up to your Minimum accrues daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Payment first to the balance with the lowest APR (including 0% APR), and then to Cycle posts to your account at the end of the Billing cycle and appears on your next balances with higher APRs. We apply any part of yourpayment exceeding your Minimum statement. You may owe Interest Charges even if you pay the entire New Balance one Payment to the balance with the highest APR, and then to balances with lower APRs. month, but did not do so the prior month. Once you start accruing Interest Charges, you Billing Rights Summary (Does not Apply to Small Business Accounts) generally must pay your New Balance in full two consecutive Billing Cycles before Interest What To Do If You Think You Find A Mistake On Your Statement: If you think there Charges stop being posted to your Statement. Interest Charges are added to the is an error on your statement, write to us at: corresponding segment of your account. Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. Do you assess a Minimum Interest Charge? We may assess a minimum Interest In your letter, give us the following information: Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. · Account information: Your name and account number. How do you Calculate the Interest Charge? We use a method called Average Daily · Dollar amount: The dollar amount of the suspected error. Balance (including new transactions). · Description of Problem: If you think there is an error on your bill, describe what you 1. First, for each segment we take the beginning balance each day and add in new believe is wrong and why you believe it is a mistake. You must contact us within 60 transactions and the periodic Interest Charge on the previous day's balance. Then we days after the error appeared on your statement. You must notify us of any potential subtract any payments and credits for that segment as of that day. The result is the daily errors in writing. You may call us or notify us electronically, but if you do we are not balance for each segment. However, if your previous statement balance was zero or a required to investigate any potential errors and you may have to pay the amount in credit amount, new transactions which post to your purchase segment are not added to question. We will notify you in writing within 30 days of our receipt of your letter. While the daily balance. we investigate whether or not there has been an error, the following are true: 2. Next, for each segment, we add the daily balances together and divide the sum by the · We cannot try to collect the amount in question, or report you as delinquent on that number of days in the Billing Cycle. The result is the Average Daily Balance for each amount. The charge in question may remain on your statement, and we may continue to segment. charge you interest on that amount. But, if we determine that we made a mistake, you 3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each will not have to pay the amount in question or any interest or other fees related to that segment by the daily periodic rate (APR divided by 365) for that segment, and then we amount. multiply the result by the number of days in the Billing Cycle. We add the Interest Charges · While you do not have to pay the amount in question until we send you a notice about for all segments together. The result is your total Interest Charge for the Billing Cycle. the outcome of our investigation, you are responsible for the remainder of your balance. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the · We can apply any unpaid amount against your credit limit. Within 90 days of our Interest Charge Calculation section of this Statement. receipt of your letter, we will send you a written notice explaining either that we NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly corrected the error (to appear on your next statement) or the reasons we believe the bill from the Interest Charge actually assessed. is correct. How can my Variable APR change? Your APRs may increase or decrease based on one Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with of the following indices (reported in The Wall Street Journal ). The letter code below the goods or services that you have purchased with your credit card, and you have tried corresponds with the letter next to your APRs in the Interest Charge Calculation section of in good faith to correct the problem with the merchant, you may have the right not to pay this statement. the remaining amount due on the purchase. To use this right, the following must be true: Code next to How do we calculate your When your APR(s) will change 1) You must have used your credit card for the purchase. Purchases made with cash your APR(s) APR(s)? Index + margin advances from an ATM or with a check that accesses your credit card account do not P Prime Rate + margin The first day of the Billing Cycles that qualify; and L 3 month LIBOR + margin end in Jan., April, July, and Oct. 2) You must not yet have fully paid for the purchase. D Prime Rate + margin The first day of each Billing Cycle. If all of the criteria above are met and you are still dissatisfied with the purchase, contact F 1 month LIBOR + margin us in writing at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, finish our investigation, we will tell you our decision. At that point, if we think you owe an you may avoid paying an annual membership Fee by contacting Customer Service no later amount and you do not pay we may report you as delinquent. than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your ETC-08 © 2020 Capital One. Capital One is a federally registered service mark 01/01/20 account and we will stop assessing your monthly membership Fee. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Banking by logging into your account; You can change your address by signing into your account online or calling Customer 2. Capital One Mobile Banking app for approved electronic devices; Service. 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the Pay online at www.capitalone.com payment coupon or your account information. When will you Credit My Payment? Pay using our mobile app · 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. 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. Please allow at least seven (7) business days for mail delivery. Mailed payments 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 requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. FILED: ONONDAGA COUNTY CLERK 12/29/2020 01:24 PM INDEX NO. 008821/2020 NYSCEF DOC. NO. 2 Page 2 of 5 RECEIVED NYSCEF: 12/29/2020 Spark Visa Signature Business Account Ending in 2983 Feb. 26, 2020 - Mar. 25, 2020 | 29 days in Billing Cycle Transactions Visit www.capitalone.com to see detailed transactions. JOHN W WHITE #2983: Payments, Credits and Adjustments Date Description Amount JOHN W WHITE #2983: Transactions Date Description Amount Fees Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $121.92 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $121.92 Totals Year-to-Date Total Fees charged $0.00 Total Interest charged $376.36 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 19.40% D $7,910.12 $121.92 Cash Advances 26.40% D $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. FILED: ONONDAGA COUNTY CLERK 12/29/2020 01:24 PM INDEX NO. 008821/2020 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/29/2020