Preview
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023
Page 1 of 3
Q U IC K S I L V E R QuicksilverOne Card I World Elite Mastercard ending in 0377
ONE Jun 15, 2022 - Aug 14, 2022 I 31 days in Billing Cycle
Previous Balance $3,918 57
Payment Due Date For online and phone payments, the ~~~~ ~~~^ ~~~~~ ^
deadline is 8pm ET. $124 00
eayments
Sep08, 022
Minimum Payment Due Other Credits $0 00
New Balance
$124.00 o00
$3,905 48 ansac
Cash Advances + $0 00
LATE PAYMENT WARNING:lf we do not receive your minimum payment
late fee of up to $40 00,
by your due date, you inay have to pay a Fees Charged . + $29 00
MINIMUM PAYMENT WARNING:lf you make only the minimum Interest Charged + $81 91
you
payment each period, you will pay more in interest and it wilt take
longer to pay off your balance. For example: New Balance $3,905 48
Credit Umit $3,900 00
Available Cred t (as of Aug 14 2022) $0.00
Credit Umit $3,150,00
Cash Advance
Minimum Payment 19 Years $11,029
Available Credit for Cash Advances $0s00
$154 3 Years $5,546
paid off in about 3 years: $5 4833 Your annual fee of $39 will be charged on your 0912022 statement
Estimated say gs if ba ance
Nyou add fikeinformation aboutcredit counselingsemces,can 1488-3264055
Rewards Balance Track and redeem your re•ards with our
moNie app or on capgasseam
----------------
$7.38
Previous Balance Eamed This Period Redeemed this period
$7,38 $0.00 $0,00
Account Notifications
check page 3 of this statement for your Account Notifications.
Rease
Customer Service: b800-227-4825 See reverse for Important Information
Pay or manage your account at Cap talanagem
Save time, stay informed
Discowr new features with
the Capital One Mobiteapp.
TIFFANI GADOU A
260 LOWER RD
CONSTANTIAi NY 13044-2617
Payment Due Date: 2022 Account ending in 0377
Sep 08,
Minimum Payment Due Amount Enclosed Capitatone
New Balance
$3,905 48 $124.00 $ _____ e m> 6o1976492
l" Il|||5101" IH n gDg i t gn gulp
Pleasesendusthis portionof yourstatementand onlyonecheck(or onemoneyorder)payableto CapitatOrte I '"I
to ensureyew paymentis pacessed promptly.ARowst leastsevenbaslinessdaysfor deliveg
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023
i PJyrgantg?Whenyou makea paymentyou authorizeus to inHiatean
19U AL&vgidfgjD91ndm%tlhagg2 If you pay yourNewBalancein full by thedue date BefAyggfmegg
eachmonth, we wilt not chargeintereston newtransactions(natpostto the purchase
balance.If ACH or derAmnicpaymentthat will be debited from your bank accountor other r ted
youhavebeenpayingin full without InterestCharges,butfail topsy yournextNewBahce
in full acewnLY(nonyouprovidea theek c checkinforma1onto makea paymed,you authoreeus
we Mil chargeintereston the unpýd b nee, intered Chargeson Cash Advancesand
Special to use infomw6onfromthe checkto makea one4me ACHof chr electrodctransferkom
Transfersstarton the transactiondate.Promotiongoffersmay allowyou to pay lessthanthe told yourbank accountWe may alsopacess it as a checktransacticaFuddsmay be withdrawn
NewBýnce and avoid paying intereston newtransactýs Mt post to your porchasetdance fromyourbankaccountas soonas the sameday we processyourpayment
Seethefrontof yourstatementfor addmondinfamaafon
now do u_&ggly_My_PJaymept2 We generallyappy paymeds up to your Minimum
thtjDIEiÈAhajgifgigrýef interest Chargesaccree from the date of the Paymentfirst to the b@nce with the lowestAPR (induding0% APR),and thento telances
f)
transadon,datethe tranaacibnis processedof theht day of the B g Cycte,Interestaccrues with higherAPRs.We appy any partof your payrrectiexceedim yourMinimumPaymentto
a Cyde poststo thebalancewith theNghestAPR,andthento bdanceswithlowerAPRs.
ddy on everyunped amountuntilit is paidin ML WefestaccruedduMg Baing
your accountat the end of the Billing cyde and appearson your next statementYou may owe
so the prior
interestChargeseven if you pay the en0reNewB nee ons month but did not do g$&tpluggg[Qgn pplyjgjMjk ghqg
an
month. O nceyou start accrueg WerestCharges, y ou genedy must pay yourNewSatancein M WhatTo Do if You Tienk You Find A Matakeon Your Statement:!f youthek thereis
two consecutiveBiEng Cydes before laterest Chargesstop being posted to your Statemert erroron yourstatementw6teto us at
InterestChargesme addedto the conespondingsegmentof youraccount, P.0. Box302853SaltLakeCity, UT84130×0285
Do vou esess a Minimum interest Charee? We may assessa mIimum
InterestChargeof b ywr tetter,giveus the fonowingiMormation:
* AccountinformatiorcYourreme and accountnumber.
$0,00for eachBillingCyde ft youraccountis subjectto anInterestCharge-
Dollaramount:Thedottaramountof the suspectederror.
We use a methodcaUedAverageDaayBalance * Descriptionof Problem:If youthinkthereis an erroron yourbe, descdbe at youbeBeveis
BMt g_yDAÇ fatakajntgeJLChrm2
daysafterthe error
(indedingnewtransacths)- wong and why youhelieve¾tis a mistake.You mustcontactuswhttin60
appearedonyour statementYoumustnotifyus of any potentialerrorsinwriting,You maycall
1Jirst, foreachsegmentwe takethe bege g bdenceeechday as addin
rew transachns and us or trotify us dectronically but if you do we are not requiredto invesigateany potential
N periedleWered Chargeon the previousday's beance.Thenwe subtractany paymentsand errorsandyou may haveto pay the amountin questh, Wewill notifyyouin writingwithin30
if
creditsfor thatsegmentas of ht day.Theresultis the daily bakee for eachsegmert FKwrever, daysof ourrecépt of yourletter;Whilewe invednate whetheror nottherehas teen an anor,
yourpreviousstatementbalancewaszero or a creditamount,newtransactionswhichpostto your the fakwing are true:
* We cannottry to coltectthe amounth question,or reportyouas definquenton that amount
purchasesegmentarenot eddedto the daily beance.
The chargeit questionmay remainon your statement,and we may conihueto chargeyou
2 Next foreachsegment,weadd the daily b ncestogetheranddividethesum by
the numberof hterest onthat amount But if wedeterminefeatwe madea mistake,youwill nothaveto pay
daysin the BillingCyde, Theresultïs theAverageDailyB neeforeach segment theamountin questionor any interestor otherfeesrested to thatamount
* Whiteyou do not haveto pay the emoud in quesha untilwe sendyou a noke aboutthe
3.At theend of each Billby Cyde, we multiplyyour AverageDa4yB ace for eachsegmentby outcomeof ourinvestgation,you are responsiblefor the remainderof yourbakee.
the + Wecan applyany unpaidamountagainstyourcreditlimit WitNn90 daysof our recept of
the deityperiodicrate(APR dividedby 365)for thatsegment,andthenwe mu)y theresultby
numberof days in the B$ing Cycle.We add the interestChargesfor di segmentstogether,The your letter,we will sendyou a writh noticeexpl#ýg eshr that we correctedthe enor (to
resultis yourtotal InterestChargefor the SIGingCyde, appearon yournext steement)or thereasonswe believethe bMs correct
TheAverageDaily B nee is referredto as the Beance Subjectto Werest Rate in e Interest Your Rights if You Are DissatisfiedWith Your Purchase:If you are dies shd with to
ChargeCdcdation sectionof thBsStatement goodsor senscesthat youhavepachased wie yourcreditcard. andyou havetried in good
faithto correctthe problemwie themerchantyou may havethe (sht notto pay theremai g
NOTE:Dueto roundhg or a mbimum IntemstCharge,tNs calcdadonmayvary slightlyfrom the amountdueon the purchase.To useINs right theidloýg mud be trtie:
purchase.Purchasesmade with cash
laterestChargeactually assessed 1) You must have used your credit card for the
advancesfromanATM or witha checkthataccessesyourcreditcardhetoud do not queSy
and
2) Youmustnotyet havefely ped for thepurchase.
ygggnjL&ojgpgjarghip_Fief If a RenewalNetbe is prMtedon INs statemed, you may if el of the criteriaabovearemetandyou arestSIdesatis5edwiththepurchase,contactus in
the same
avoid payingen annual mernbershipFee by contactingCushner Servicem feterkn 45 days witing at PA Box 30285,Salt LAe CitycUT84130-0285.WNlewe¾nvestigate
after the last day b the BifengCyde coveredby tNs statementto requestthat we dose your rulesapply to the disputedamountas discussedabove.Afterwe finishourkvestigation,we
account To avoid paying a monthly membersNpFee dose your accountand we will stop wi$tell youourdedsion,At thatpÃht if we tNnk youowean amoudandyoudo not pay we
assessagyour monthlymembersNpFee may reportyou as deSnquent
Bow gatl Close My Acragall You can contactCustomerServiceanytimeto requestthat we © 2020Capits One.CapstalOneis a federdly reghteredservicemark
closeyouraccount.
ETC+0810/01/2020
How do I Make Payments? You may makeyour paymentin severalways:
capitatone.com
Pay online at 1. Online Bankingby logging into your account;
2. Capital One MobileBanldogapp for approvedelectronicdevices;
statementand providhg the
3. Cding the telephone numberhted on the front of this
requkedpaymentWomatte;
Pay using the Capital One mobile app the
4, Sending mail paymentsto the addresson the hont of this statementwith
paymentcoupon or your accountWonyation
Ogstomer Sof Vice 1-800-227-4825 when will vs credit my Payment?
* For mobile, onlineor over the phone, as of the businessday we receive it, as long
as it is made by 8 p.mR
+ For met as of the business day we receive it as long as it is received by 5 pJft
laam at ar processingcenter.You must send the bottomportion of this
your mailing address?
Changing statementand your check to the payment addresson the front of tNs statement
Pleaseallow at least seven g) bushess days for mail delivery.Msfed payments
You can change your address by ágning into your account online or by callirts received by us at any other locationor paymentsin any other form may not he
CustomerService.
credited as of the day a receivethem
Any written requeston this form will not be honored.
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023
Page 2 of 3
Q U I C K S I L V E R auicksilverOne Card I World Elite Mastercard ending in 0377
ONE Jul 15, 2022 Aug 14, 2022 [ 31 days in Billing Cycle
TIFFANI GADOUA #0377: Payments, Credits and Adjustments
Amount
Trans Date Post Date Description
- $124 00
Aug 12 CAPITAL ONE MOBILE PYMTAuthDate 12-Aug
Aug 12
TIFFANI GADOUA #0377: Transactions
Amount
Trans Date Post Date Description
________-.-------------.-.-------.-----.__.--..____-------.-----.----.._____--..
JOHN E GADOUA #5941: Payments, Credits and Adjustments
Amount
Trans Date Post Date Description--._.____.________--”_______---___..------....--.____._______.. _______.-
__.._ __________---..____
JoriN E GADOUA #5941: Transactions
Amount
Post Date Description
Trans Date ______------------,-----------,---._ ----._.-----.-----... ...----------
____
Amount
Trans Date Post Date Descriphon
$29.00
Aug 8 Aug 8 PAST DUE FEE
___---.-______-_____.-______ _______-____--_______ ___
$29.00
Total Fees for This Period
$81.91
interest CI)arge on Purchases
$0,00
Interest Charge on Cash Advances
$0.00
interest Charge on Other Balances
$8L91
Total laterest for This Period
$29.00
Total Fees charged
$59L71
Total interest charged
Additional information on the next page
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023
Page 3 of 3
. QUICKSILVER QuicksilverOne Card I World Elite Mastercard ending in 0377
ONE Jub 15, 2022 - Aug 14, 2022 i 31 days in Bining Cycle
laterest Charge Calculation
Your Annual Percenta¼eRate (APR) is the annual interest rate on your account
Balance Subject to interest Rate Interest Charged
Type of Balance Annual Percentage Rate (APR)
$3,952.68 $81.91
Purchases 24 40% P
$0-00 0.00
Cash Advances 24 40% P
are variable APRs. They may increase or decrease based
ygjaMgRRs if you have a letter code displayed next to any of the above APRs, this means they
(reported in The Wan Street Journal) as described below.
on one of the following indices
When your APR(s) will change
Code next to your How do we calculate your APR(s)?
APR(s)
Prime Rate + margin The first day of the Billing Cycles that end in Jan, April, July and Oct.
P
L a month UBOR + margin
The first day of each BiHing Cycle
D Prime Rate + margir
F I month UBOR + magin
statement explaïns how you may close your account
Renewal Notice Your 09/2022 bill will include your $39 annual membership fee. This periodic
and how your interest charge is calculated,
and avoid this fee, as weR as important information about your rate(s)
to obtain a comparative listing of credit card rates, fees, and
New York residents may contact the New York State Department of Financial Services
York State Department of Financial Services: b877-226-5697 or wwge dfs.ny.gov,
grace periods. Contact the New
received by the due date. To avoid this fee in the future, we recommend
You were assessed a past due fee because your minimum payrnent was not
Capital One.
that you allow at least 7 business days for your minimum payment to reach
please pay enough to bring your account balance below
Your account has gone over its eredit Hmit, in addition to your required minimum payment,
your credit limit to avoid the possibiBty of being declined.
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023
Page 1 of 2
Q UICKSILVEF ouicksirveronecardiworidriite mastercardendingino377
Feb 12, 2023 - Mar 14, 2023 t 31 days in Billing Cycle
Account Summary
Previous Balance $4,619-09
Payment Due Date For online and phone payments, the "~~^"-~~~~^"~~-~~~~
deadline is 8pm ET. so-co
FAST DJE I eayments
Minimum Payment Due Other Credits $0.00
New Balance
$4,726.79 Transactions +se.oo
$4,726.79
Cash Advances + $0.00
IMPORTANT Your account has charged off and is now serviced by the
Recoveries department at 1-800-258-9319. Your full balance Esdue. Any + $0s00
Fees Charged
payment you make will reduce your balance and help pay off your debt
faster. The amount you owe may differ if you've entered into a separate Inter Charged + $107 0
payment agreement
New Balance $4,726.79
Availade Credit (as of Mar 14, 2023) N/A
Account Notifications
grace
Financial Services to obtain a comparative listing of credit card rates, fees, and
New York residents may contact the New York State Department of
1-877-2245697 or www.dfs.ny.gov.
periods. Contact the New York State Department of Financial Services:
Customer Service: 1-800 227-4825 See reverse for important linformation
Pay or manage your account at nagitafanagem
TlFFANI GADOUA
260 LOWER RD
CONSTANTIA, NY 13044-2617
Payment Due Date: Past Due Account ending in 0377
Payment Due Amount Enclosed Capital One
New Balance Minimum
$4,726.79 $4,726A79 $ ______ $°;"|4061 6019740g9
' I 'I'lli'llSil'"'ll'lHillgl'lll"If"||l"
Pleasesendas this portionof yourstatementand onlyoneciteck(or ore moneyorder)payableto Capital One lill I IN
to ensureyaw paymentis processedpromptly.Allowat leastsevenbusinessdaysfor delivery.
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466
NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023
your NewBalancein full by the due date [tqwjayonftgçggay Whenyoumakea paymentyou authorizeus to initiatean
upsaf j jypjd PJayjngfateg Gjhgtg952If you pay
each month, we wMnot chargeintereston newtransackns thatpostto the
purchasebalance If ACH or Actronic paymentthat wihibe debitedfrom your bank accountw omer rdated
Bamacein full, accountEnen you providaa dheckor checkinformdento makea paymentyou authorseus
you havebeenpayingin M withoudnterestClwges, butfel to pay yournextNew transferfrom
we wd chargeintereston the unpaMb nee.interestChargeson Cash Advancesand
Spedal to use infonnafortfromthe checkto makea one4meACHor ottier electrorde
withdrawn
Transfersstarton the transadiondate. Promotiondoffersmay allowyou to pay less than the tdd yourbankaccount We may dso processit as a checktransaction.Fundsmay be
NewSwanceand avoid payingintereston newtransactionsthat postto your
purchasebeance- fromyourbankeccountas soones the sameday we processyour payment
Seethe frontof yourstament for additionâHnformation. Minimum
flow do vou Andy My Payment? We generallyapply paymentsup to your
balances
$1!¾R0 0plpf interest Chargesaccrue from the date of the Paymentfést to ine balancewith the lowestAPR (inchtding0% APR),and then to
M9EAJillL IL B to
datethe transadianis prc¢essedor the §rstday of the Bi¾ngCyde Interestsecrue$ wth NgherAPRs.We appy any partof yourpaymentexceedingyourMinwan Payment
transactions
pdd in fu1Linterestacemedddng a B@ngCyde poststo foeb#ancewth the NghestAPR,andthento ba@ceswth towerAPRs.
ddy on everyurrpaidemountuntilit Es owe
your accomt at the ed of the Baling cyde and appearson your next statement You may
did not do so the phr g
Preview
FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023 Page 1 of 3 Q U IC K S I L V E R QuicksilverOne Card I World Elite Mastercard ending in 0377 ONE Jun 15, 2022 - Aug 14, 2022 I 31 days in Billing Cycle Previous Balance $3,918 57 Payment Due Date For online and phone payments, the ~~~~ ~~~^ ~~~~~ ^ deadline is 8pm ET. $124 00 eayments Sep08, 022 Minimum Payment Due Other Credits $0 00 New Balance $124.00 o00 $3,905 48 ansac Cash Advances + $0 00 LATE PAYMENT WARNING:lf we do not receive your minimum payment late fee of up to $40 00, by your due date, you inay have to pay a Fees Charged . + $29 00 MINIMUM PAYMENT WARNING:lf you make only the minimum Interest Charged + $81 91 you payment each period, you will pay more in interest and it wilt take longer to pay off your balance. For example: New Balance $3,905 48 Credit Umit $3,900 00 Available Cred t (as of Aug 14 2022) $0.00 Credit Umit $3,150,00 Cash Advance Minimum Payment 19 Years $11,029 Available Credit for Cash Advances $0s00 $154 3 Years $5,546 paid off in about 3 years: $5 4833 Your annual fee of $39 will be charged on your 0912022 statement Estimated say gs if ba ance Nyou add fikeinformation aboutcredit counselingsemces,can 1488-3264055 Rewards Balance Track and redeem your re•ards with our moNie app or on capgasseam ---------------- $7.38 Previous Balance Eamed This Period Redeemed this period $7,38 $0.00 $0,00 Account Notifications check page 3 of this statement for your Account Notifications. Rease Customer Service: b800-227-4825 See reverse for Important Information Pay or manage your account at Cap talanagem Save time, stay informed Discowr new features with the Capital One Mobiteapp. TIFFANI GADOU A 260 LOWER RD CONSTANTIAi NY 13044-2617 Payment Due Date: 2022 Account ending in 0377 Sep 08, Minimum Payment Due Amount Enclosed Capitatone New Balance $3,905 48 $124.00 $ _____ e m> 6o1976492 l" Il|||5101" IH n gDg i t gn gulp Pleasesendusthis portionof yourstatementand onlyonecheck(or onemoneyorder)payableto CapitatOrte I '"I to ensureyew paymentis pacessed promptly.ARowst leastsevenbaslinessdaysfor deliveg FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023 i PJyrgantg?Whenyou makea paymentyou authorizeus to inHiatean 19U AL&vgidfgjD91ndm%tlhagg2 If you pay yourNewBalancein full by thedue date BefAyggfmegg eachmonth, we wilt not chargeintereston newtransactions(natpostto the purchase balance.If ACH or derAmnicpaymentthat will be debited from your bank accountor other r ted youhavebeenpayingin full without InterestCharges,butfail topsy yournextNewBahce in full acewnLY(nonyouprovidea theek c checkinforma1onto makea paymed,you authoreeus we Mil chargeintereston the unpýd b nee, intered Chargeson Cash Advancesand Special to use infomw6onfromthe checkto makea one4me ACHof chr electrodctransferkom Transfersstarton the transactiondate.Promotiongoffersmay allowyou to pay lessthanthe told yourbank accountWe may alsopacess it as a checktransacticaFuddsmay be withdrawn NewBýnce and avoid paying intereston newtransactýs Mt post to your porchasetdance fromyourbankaccountas soonas the sameday we processyourpayment Seethefrontof yourstatementfor addmondinfamaafon now do u_&ggly_My_PJaymept2 We generallyappy paymeds up to your Minimum thtjDIEiÈAhajgifgigrýef interest Chargesaccree from the date of the Paymentfirst to the b@nce with the lowestAPR (induding0% APR),and thento telances f) transadon,datethe tranaacibnis processedof theht day of the B g Cycte,Interestaccrues with higherAPRs.We appy any partof your payrrectiexceedim yourMinimumPaymentto a Cyde poststo thebalancewith theNghestAPR,andthento bdanceswithlowerAPRs. ddy on everyunped amountuntilit is paidin ML WefestaccruedduMg Baing your accountat the end of the Billing cyde and appearson your next statementYou may owe so the prior interestChargeseven if you pay the en0reNewB nee ons month but did not do g$&tpluggg[Qgn pplyjgjMjk ghqg an month. O nceyou start accrueg WerestCharges, y ou genedy must pay yourNewSatancein M WhatTo Do if You Tienk You Find A Matakeon Your Statement:!f youthek thereis two consecutiveBiEng Cydes before laterest Chargesstop being posted to your Statemert erroron yourstatementw6teto us at InterestChargesme addedto the conespondingsegmentof youraccount, P.0. Box302853SaltLakeCity, UT84130×0285 Do vou esess a Minimum interest Charee? We may assessa mIimum InterestChargeof b ywr tetter,giveus the fonowingiMormation: * AccountinformatiorcYourreme and accountnumber. $0,00for eachBillingCyde ft youraccountis subjectto anInterestCharge- Dollaramount:Thedottaramountof the suspectederror. We use a methodcaUedAverageDaayBalance * Descriptionof Problem:If youthinkthereis an erroron yourbe, descdbe at youbeBeveis BMt g_yDAÇ fatakajntgeJLChrm2 daysafterthe error (indedingnewtransacths)- wong and why youhelieve¾tis a mistake.You mustcontactuswhttin60 appearedonyour statementYoumustnotifyus of any potentialerrorsinwriting,You maycall 1Jirst, foreachsegmentwe takethe bege g bdenceeechday as addin rew transachns and us or trotify us dectronically but if you do we are not requiredto invesigateany potential N periedleWered Chargeon the previousday's beance.Thenwe subtractany paymentsand errorsandyou may haveto pay the amountin questh, Wewill notifyyouin writingwithin30 if creditsfor thatsegmentas of ht day.Theresultis the daily bakee for eachsegmert FKwrever, daysof ourrecépt of yourletter;Whilewe invednate whetheror nottherehas teen an anor, yourpreviousstatementbalancewaszero or a creditamount,newtransactionswhichpostto your the fakwing are true: * We cannottry to coltectthe amounth question,or reportyouas definquenton that amount purchasesegmentarenot eddedto the daily beance. The chargeit questionmay remainon your statement,and we may conihueto chargeyou 2 Next foreachsegment,weadd the daily b ncestogetheranddividethesum by the numberof hterest onthat amount But if wedeterminefeatwe madea mistake,youwill nothaveto pay daysin the BillingCyde, Theresultïs theAverageDailyB neeforeach segment theamountin questionor any interestor otherfeesrested to thatamount * Whiteyou do not haveto pay the emoud in quesha untilwe sendyou a noke aboutthe 3.At theend of each Billby Cyde, we multiplyyour AverageDa4yB ace for eachsegmentby outcomeof ourinvestgation,you are responsiblefor the remainderof yourbakee. the + Wecan applyany unpaidamountagainstyourcreditlimit WitNn90 daysof our recept of the deityperiodicrate(APR dividedby 365)for thatsegment,andthenwe mu)y theresultby numberof days in the B$ing Cycle.We add the interestChargesfor di segmentstogether,The your letter,we will sendyou a writh noticeexpl#ýg eshr that we correctedthe enor (to resultis yourtotal InterestChargefor the SIGingCyde, appearon yournext steement)or thereasonswe believethe bMs correct TheAverageDaily B nee is referredto as the Beance Subjectto Werest Rate in e Interest Your Rights if You Are DissatisfiedWith Your Purchase:If you are dies shd with to ChargeCdcdation sectionof thBsStatement goodsor senscesthat youhavepachased wie yourcreditcard. andyou havetried in good faithto correctthe problemwie themerchantyou may havethe (sht notto pay theremai g NOTE:Dueto roundhg or a mbimum IntemstCharge,tNs calcdadonmayvary slightlyfrom the amountdueon the purchase.To useINs right theidloýg mud be trtie: purchase.Purchasesmade with cash laterestChargeactually assessed 1) You must have used your credit card for the advancesfromanATM or witha checkthataccessesyourcreditcardhetoud do not queSy and 2) Youmustnotyet havefely ped for thepurchase. ygggnjL&ojgpgjarghip_Fief If a RenewalNetbe is prMtedon INs statemed, you may if el of the criteriaabovearemetandyou arestSIdesatis5edwiththepurchase,contactus in the same avoid payingen annual mernbershipFee by contactingCushner Servicem feterkn 45 days witing at PA Box 30285,Salt LAe CitycUT84130-0285.WNlewe¾nvestigate after the last day b the BifengCyde coveredby tNs statementto requestthat we dose your rulesapply to the disputedamountas discussedabove.Afterwe finishourkvestigation,we account To avoid paying a monthly membersNpFee dose your accountand we will stop wi$tell youourdedsion,At thatpÃht if we tNnk youowean amoudandyoudo not pay we assessagyour monthlymembersNpFee may reportyou as deSnquent Bow gatl Close My Acragall You can contactCustomerServiceanytimeto requestthat we © 2020Capits One.CapstalOneis a federdly reghteredservicemark closeyouraccount. ETC+0810/01/2020 How do I Make Payments? You may makeyour paymentin severalways: capitatone.com Pay online at 1. Online Bankingby logging into your account; 2. Capital One MobileBanldogapp for approvedelectronicdevices; statementand providhg the 3. Cding the telephone numberhted on the front of this requkedpaymentWomatte; Pay using the Capital One mobile app the 4, Sending mail paymentsto the addresson the hont of this statementwith paymentcoupon or your accountWonyation Ogstomer Sof Vice 1-800-227-4825 when will vs credit my Payment? * For mobile, onlineor over the phone, as of the businessday we receive it, as long as it is made by 8 p.mR + For met as of the business day we receive it as long as it is received by 5 pJft laam at ar processingcenter.You must send the bottomportion of this your mailing address? Changing statementand your check to the payment addresson the front of tNs statement Pleaseallow at least seven g) bushess days for mail delivery.Msfed payments You can change your address by ágning into your account online or by callirts received by us at any other locationor paymentsin any other form may not he CustomerService. credited as of the day a receivethem Any written requeston this form will not be honored. FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023 Page 2 of 3 Q U I C K S I L V E R auicksilverOne Card I World Elite Mastercard ending in 0377 ONE Jul 15, 2022 Aug 14, 2022 [ 31 days in Billing Cycle TIFFANI GADOUA #0377: Payments, Credits and Adjustments Amount Trans Date Post Date Description - $124 00 Aug 12 CAPITAL ONE MOBILE PYMTAuthDate 12-Aug Aug 12 TIFFANI GADOUA #0377: Transactions Amount Trans Date Post Date Description ________-.-------------.-.-------.-----.__.--..____-------.-----.----.._____--.. JOHN E GADOUA #5941: Payments, Credits and Adjustments Amount Trans Date Post Date Description--._.____.________--”_______---___..------....--.____._______.. _______.- __.._ __________---..____ JoriN E GADOUA #5941: Transactions Amount Post Date Description Trans Date ______------------,-----------,---._ ----._.-----.-----... ...---------- ____ Amount Trans Date Post Date Descriphon $29.00 Aug 8 Aug 8 PAST DUE FEE ___---.-______-_____.-______ _______-____--_______ ___ $29.00 Total Fees for This Period $81.91 interest CI)arge on Purchases $0,00 Interest Charge on Cash Advances $0.00 interest Charge on Other Balances $8L91 Total laterest for This Period $29.00 Total Fees charged $59L71 Total interest charged Additional information on the next page FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023 Page 3 of 3 . QUICKSILVER QuicksilverOne Card I World Elite Mastercard ending in 0377 ONE Jub 15, 2022 - Aug 14, 2022 i 31 days in Bining Cycle laterest Charge Calculation Your Annual Percenta¼eRate (APR) is the annual interest rate on your account Balance Subject to interest Rate Interest Charged Type of Balance Annual Percentage Rate (APR) $3,952.68 $81.91 Purchases 24 40% P $0-00 0.00 Cash Advances 24 40% P are variable APRs. They may increase or decrease based ygjaMgRRs if you have a letter code displayed next to any of the above APRs, this means they (reported in The Wan Street Journal) as described below. on one of the following indices When your APR(s) will change Code next to your How do we calculate your APR(s)? APR(s) Prime Rate + margin The first day of the Billing Cycles that end in Jan, April, July and Oct. P L a month UBOR + margin The first day of each BiHing Cycle D Prime Rate + margir F I month UBOR + magin statement explaïns how you may close your account Renewal Notice Your 09/2022 bill will include your $39 annual membership fee. This periodic and how your interest charge is calculated, and avoid this fee, as weR as important information about your rate(s) to obtain a comparative listing of credit card rates, fees, and New York residents may contact the New York State Department of Financial Services York State Department of Financial Services: b877-226-5697 or wwge dfs.ny.gov, grace periods. Contact the New received by the due date. To avoid this fee in the future, we recommend You were assessed a past due fee because your minimum payrnent was not Capital One. that you allow at least 7 business days for your minimum payment to reach please pay enough to bring your account balance below Your account has gone over its eredit Hmit, in addition to your required minimum payment, your credit limit to avoid the possibiBty of being declined. FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023 Page 1 of 2 Q UICKSILVEF ouicksirveronecardiworidriite mastercardendingino377 Feb 12, 2023 - Mar 14, 2023 t 31 days in Billing Cycle Account Summary Previous Balance $4,619-09 Payment Due Date For online and phone payments, the "~~^"-~~~~^"~~-~~~~ deadline is 8pm ET. so-co FAST DJE I eayments Minimum Payment Due Other Credits $0.00 New Balance $4,726.79 Transactions +se.oo $4,726.79 Cash Advances + $0.00 IMPORTANT Your account has charged off and is now serviced by the Recoveries department at 1-800-258-9319. Your full balance Esdue. Any + $0s00 Fees Charged payment you make will reduce your balance and help pay off your debt faster. The amount you owe may differ if you've entered into a separate Inter Charged + $107 0 payment agreement New Balance $4,726.79 Availade Credit (as of Mar 14, 2023) N/A Account Notifications grace Financial Services to obtain a comparative listing of credit card rates, fees, and New York residents may contact the New York State Department of 1-877-2245697 or www.dfs.ny.gov. periods. Contact the New York State Department of Financial Services: Customer Service: 1-800 227-4825 See reverse for important linformation Pay or manage your account at nagitafanagem TlFFANI GADOUA 260 LOWER RD CONSTANTIA, NY 13044-2617 Payment Due Date: Past Due Account ending in 0377 Payment Due Amount Enclosed Capital One New Balance Minimum $4,726.79 $4,726A79 $ ______ $°;"|4061 6019740g9 ' I 'I'lli'llSil'"'ll'lHillgl'lll"If"||l" Pleasesendas this portionof yourstatementand onlyoneciteck(or ore moneyorder)payableto Capital One lill I IN to ensureyaw paymentis processedpromptly.Allowat leastsevenbusinessdaysfor delivery. FILED: OSWEGO COUNTY CLERK 12/11/2023 03:26 PM INDEX NO. EFC-2023-1466 NYSCEF DOC. NO. 13 RECEIVED NYSCEF: 12/11/2023 your NewBalancein full by the due date [tqwjayonftgçggay Whenyoumakea paymentyou authorizeus to initiatean upsaf j jypjd PJayjngfateg Gjhgtg952If you pay each month, we wMnot chargeintereston newtransackns thatpostto the purchasebalance If ACH or Actronic paymentthat wihibe debitedfrom your bank accountw omer rdated Bamacein full, accountEnen you providaa dheckor checkinformdento makea paymentyou authorseus you havebeenpayingin M withoudnterestClwges, butfel to pay yournextNew transferfrom we wd chargeintereston the unpaMb nee.interestChargeson Cash Advancesand Spedal to use infonnafortfromthe checkto makea one4meACHor ottier electrorde withdrawn Transfersstarton the transadiondate. Promotiondoffersmay allowyou to pay less than the tdd yourbankaccount We may dso processit as a checktransaction.Fundsmay be NewSwanceand avoid payingintereston newtransactionsthat postto your purchasebeance- fromyourbankeccountas soones the sameday we processyour payment Seethe frontof yourstament for additionâHnformation. Minimum flow do vou Andy My Payment? We generallyapply paymentsup to your balances $1!¾R0 0plpf interest Chargesaccrue from the date of the Paymentfést to ine balancewith the lowestAPR (inchtding0% APR),and then to M9EAJillL IL B to datethe transadianis prc¢essedor the §rstday of the Bi¾ngCyde Interestsecrue$ wth NgherAPRs.We appy any partof yourpaymentexceedingyourMinwan Payment transactions pdd in fu1Linterestacemedddng a B@ngCyde poststo foeb#ancewth the NghestAPR,andthento ba@ceswth towerAPRs. ddy on everyurrpaidemountuntilit Es owe your accomt at the ed of the Baling cyde and appearson your next statement You may did not do so the phr g