Preview
FILED: ERIE COUNTY CLERK 04/11/2024 05:13 PM INDEX NO. 805233/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/11/2024
DISCOVER IT® CHROME CARD ENDING IN 9181
CARDMEMBER SINCE 2018
Account Summary 12/04/2023 - 12/31/2023 Payment Information
Previous Balance $17,476.51 New Balance Minimum Payment Payment Due Date
Payments and Credits -$17,476.51 $
0.00 $
3,147.07 01/26/2024
Purchases +$0.00
Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date
Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00.
Fees Charged +$0.00
Interest Charged +$0.00
New Balance: $0.00
See Interest Charge Calculationsection following the Fees and
Interest Charged section for detailed APR information
Credit Line $15,000
Credit Line Available $0
Cash Advance Credit Line $3,800
Cash Advance Credit Line Available $0
Your FICO® Score is unavailable. Log in at Discover.com/FICO or
contact us at 1-800-347-2683 to learn more.
New York Residents: For more information call us at 1-800-
347-2683. You may contact the New York State Department of
Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for
free information on comparative credit card rates, fees and grace
periods.
Notice: See reverse side for important information
Payment Coupon ACCOUNT NUMBER ENDING IN 9181
Detach at perforation above and return with check payable to $
New Balance 0.00
Discover. Do not fold, clip, staple or send cash.
$
Minimum Payment Due 3,147.07
Payment Due Date 01/26/2024
Amount Enclosed $
DONALD J RAUSCHELBACH
4132 SHELDON RD
ORCHARD PARK NY 14127-2110
PO BOX 6103
CAROL STREAM IL 60197-6103
New address, email or phone? Please update on reverse.
000001986464307014864000000000000000314707
FILED: ERIE COUNTY CLERK 04/11/2024 05:13 PM INDEX NO. 805233/2024
DISCOVER IT®
CHROME
NYSCEF DOC. NO. CARD
2 ENDING IN 9181 Page 2 of 4
RECEIVED NYSCEF: 04/11/2024
DONALD J RAUSCHELBACH OPEN TO CLOSE DATE: 12/04/2023 - 12/31/2023
Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar
See your Cardmember Agreement. Your Cardmember Agreement contains all the amount, or (iv) other dollar amount. If your scheduled "Other dollar amount"
terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly
billing statement, your scheduled payment for that month will be increased to cover
Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. If the scheduled payment is greater than the Minimum
Payment Due, any excess will be applied in accordance with your Cardmember
What To Do If You Think You Find A Mistake On Your Statement: If you think there is Agreement. If your scheduled payment is greater than the New Balance on your billing
an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your New Balance.
84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing
You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date.
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. The Billing Rights Notice further If you enroll by phone in our automatic payment service, please fill-in the following
explains your rights. Please see your Cardmember Agreement or visit blanks below and retain the authorizationfor your records.
https://discover.com/billingrights for a copy of this Notice.
Amount
Payments. You may pay all or part of your Account balance at any time. However, you Full Pay ________________________ Min Pay _________________________
must pay at least the Minimum Payment Due by the Payment Due Date. Send only Min Pay+ $______________________ Other Amount $ __________________
your allowable form of payment ("Payment") and the bottom portion of this statement
in the envelope provided, after affixing postage. Payments sent without proper Bank Routing #________________________________________________________
postage will be returned to the sender. If you pay by check, you authorize us to use Bank Account #________________________________________________________
informationon your check to make an electronic fund transfer from your account at Monthly on the Payment Due Date, or ______ Day of the month (INSERT DATE)
the financial institution indicated on your check or to process the payment as a check
transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to
be for the amount of the check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account
as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. We normally report the status and payment
history of your Account to credit reporting agencies each month. If you believe that
Please do not send cash. Sending cash is not allowed. The processing of your our report is inaccurate or incomplete, please write us at this address: Discover, PO
allowable form of Payment may be delayed if you send cash or correspondence with
Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address,
your Payments, if you send the Payment to any other address, or if you use an home telephone number and Account number.
envelope other than the one provided. Payments received at our processing facility
by 5PM local time on any day will be credited to your Account as of that day. Paying Interest. Your due date is at least 25 days after the close of each billing period
Payments received at our processing facility after 5PM local time will be credited to (at least 23 days for billing periods that begin in February). We will begin charging
your Account as of the next day. If you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of the later of the Transaction
Payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your
days for delivery. If your Payment is returned unpaid, we reserve the right to resubmit Account. If you pay the New Balance on your current billing statement by the Payment
it as an electronic debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on
Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchases are Purchases that first appear on the next billing
day; on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on
before 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in
You can also make a Payment or set up automatic payments by calling 1-800-347- the next billing cycle.
2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Daily Balance Method (including
deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate. For more
payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683.
date that occurs before your Payment Due Date. In order to schedule monthly
payments by telephone, you will need this statement and your bank account Balance Subject To Interest Rate. Your statement shows a Balance Subject to Interest
information. You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate
number of the primary borrower as your electronic signature. By providing those is the average of the daily balances during the billing period.
numbers, you will be agreeing to this authorization to allow us and your bank to
deduct each payment you authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amount is shown on the
account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may
as applicable, to correct an error in the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund
or modify a payment from your bank account until 5:00 PM Eastern Time on the day of any remaining balance of $1.00 or more after 6 months, or as otherwise required
such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, PO Box by applicable law, or upon request made to the address in the Contact Us section on
30421, Salt Lake City, UT 84130-0421. Same day online or phone payments from page 3 of your billing statement.
bank account made after 5:00 PM Eastern Time may be modified before Midnight
Eastern Time of that day. Payments from Cashback Bonus cannot be modified or Balance Transfers. Balance Transfers are offered at our discretion and accrue interest
cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise.
If your payments may vary in amount, we will tell you on each monthly billing Discover may monitor and/or record telephone calls between you and Discover
statement when your payment will be made and how much it will be. You must ensure representatives for quality assurance purposes.
that sufficient funds are available in your bank account, and all transactions must
comply with U.S. law. Send inquiries to Discover, PO Box 30943, Salt Lake City, UT 84130
You can set up automatic payments for: (i) statement New Balance, (ii) statement The Discover® card is issued by Discover Bank, Member FDIC.
DIT23-27.0420
Change of Address
If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com.
Street Address Home Phone
Work Phone
City Email
State, Zip
FILED: ERIE COUNTY CLERK 04/11/2024 05:13 PM INDEX NO. 805233/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/11/2024
ONLINE PHONE PAYMENTS Page 3 of 4
Discover.com or 1-800-347-2683 Discover DISCOVER IT® CHROME CARD ENDING IN 9181
download our app Hearing/Speech Impaired PO Box 6103 OPEN TO CLOSE DATE: 12/04/2023 - 12/31/2023
Dial 711 (Relay Service) Carol Stream
IL 60197-6103
Transactions Cashback Bonus® Rewards
TRANS. PREVIOUS BALANCE $0.00
DATE PAYMENTS AND CREDITS AMOUNT
EARNED THIS PERIOD +$0.00
12/31 INTERNAL CHARGE-OFF -$17,476.51 REDEEMED THIS PERIOD -$0.00
CASHBACK BONUS BALANCE $0.00
Fees and Interest Charged
TOTAL FEES FOR THIS PERIOD $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2023 TOTALS YEAR-TO-DATE CHARGED AMOUNT
TOTAL FEES CHARGED IN 2023 $265.00
TOTAL INTEREST CHARGED IN 2023 $3,199.41
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
CURRENT BILLING PERIOD: 28 DAYS
PROMO BALANCE SUBJECT INTEREST
TYPE OF BALANCE APR* APR EXPIRES** TO INTEREST RATE CHARGE
Purchases 23.24% V N/A $0.00 $0.00
Cash Advances 29.99% V N/A $0.00 $0.00
V = VARIABLE RATE
Variable APRs will not exceed 29.99%.
* If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will
receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower
rates as authorized under the Servicemembers Civil Relief Act.
** This is the date your promotional rate expires and the remaining balance will be moved to your standard APR
disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR
Expiration Date.
*** For more information, please call us at 1-800-347-2683.
Information For You
Availability of FICO® Credit Score
As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO® Credit Score
include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover
or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a
foreign address. Your FICO® Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity
such as no purchase transactions, fees, interest, or payments for approximately 30 days.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
FILED: ERIE COUNTY CLERK 04/11/2024 05:13 PM INDEX NO. 805233/2024
DISCOVER IT®
CHROME
NYSCEF DOC. NO. CARD
2 ENDING IN 9181 Page 4 of 4
RECEIVED NYSCEF: 04/11/2024
DONALD J RAUSCHELBACH OPEN TO CLOSE DATE: 12/04/2023 - 12/31/2023
Preview
FILED: ERIE COUNTY CLERK 04/11/2024 05:13 PM INDEX NO. 805233/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/11/2024 DISCOVER IT® CHROME CARD ENDING IN 9181 CARDMEMBER SINCE 2018 Account Summary 12/04/2023 - 12/31/2023 Payment Information Previous Balance $17,476.51 New Balance Minimum Payment Payment Due Date Payments and Credits -$17,476.51 $ 0.00 $ 3,147.07 01/26/2024 Purchases +$0.00 Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00. Fees Charged +$0.00 Interest Charged +$0.00 New Balance: $0.00 See Interest Charge Calculationsection following the Fees and Interest Charged section for detailed APR information Credit Line $15,000 Credit Line Available $0 Cash Advance Credit Line $3,800 Cash Advance Credit Line Available $0 Your FICO® Score is unavailable. Log in at Discover.com/FICO or contact us at 1-800-347-2683 to learn more. New York Residents: For more information call us at 1-800- 347-2683. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. Notice: See reverse side for important information Payment Coupon ACCOUNT NUMBER ENDING IN 9181 Detach at perforation above and return with check payable to $ New Balance 0.00 Discover. Do not fold, clip, staple or send cash. $ Minimum Payment Due 3,147.07 Payment Due Date 01/26/2024 Amount Enclosed $ DONALD J RAUSCHELBACH 4132 SHELDON RD ORCHARD PARK NY 14127-2110 PO BOX 6103 CAROL STREAM IL 60197-6103 New address, email or phone? Please update on reverse. 000001986464307014864000000000000000314707 FILED: ERIE COUNTY CLERK 04/11/2024 05:13 PM INDEX NO. 805233/2024 DISCOVER IT® CHROME NYSCEF DOC. NO. CARD 2 ENDING IN 9181 Page 2 of 4 RECEIVED NYSCEF: 04/11/2024 DONALD J RAUSCHELBACH OPEN TO CLOSE DATE: 12/04/2023 - 12/31/2023 Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar See your Cardmember Agreement. Your Cardmember Agreement contains all the amount, or (iv) other dollar amount. If your scheduled "Other dollar amount" terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember What To Do If You Think You Find A Mistake On Your Statement: If you think there is Agreement. If your scheduled payment is greater than the New Balance on your billing an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your New Balance. 84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date. 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. The Billing Rights Notice further If you enroll by phone in our automatic payment service, please fill-in the following explains your rights. Please see your Cardmember Agreement or visit blanks below and retain the authorizationfor your records. https://discover.com/billingrights for a copy of this Notice. Amount Payments. You may pay all or part of your Account balance at any time. However, you Full Pay ________________________ Min Pay _________________________ must pay at least the Minimum Payment Due by the Payment Due Date. Send only Min Pay+ $______________________ Other Amount $ __________________ your allowable form of payment ("Payment") and the bottom portion of this statement in the envelope provided, after affixing postage. Payments sent without proper Bank Routing #________________________________________________________ postage will be returned to the sender. If you pay by check, you authorize us to use Bank Account #________________________________________________________ informationon your check to make an electronic fund transfer from your account at Monthly on the Payment Due Date, or ______ Day of the month (INSERT DATE) the financial institution indicated on your check or to process the payment as a check transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to be for the amount of the check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that Please do not send cash. Sending cash is not allowed. The processing of your our report is inaccurate or incomplete, please write us at this address: Discover, PO allowable form of Payment may be delayed if you send cash or correspondence with Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address, your Payments, if you send the Payment to any other address, or if you use an home telephone number and Account number. envelope other than the one provided. Payments received at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Paying Interest. Your due date is at least 25 days after the close of each billing period Payments received at our processing facility after 5PM local time will be credited to (at least 23 days for billing periods that begin in February). We will begin charging your Account as of the next day. If you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of the later of the Transaction Payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your days for delivery. If your Payment is returned unpaid, we reserve the right to resubmit Account. If you pay the New Balance on your current billing statement by the Payment it as an electronic debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchases are Purchases that first appear on the next billing day; on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on before 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in You can also make a Payment or set up automatic payments by calling 1-800-347- the next billing cycle. 2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Daily Balance Method (including deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate. For more payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683. date that occurs before your Payment Due Date. In order to schedule monthly payments by telephone, you will need this statement and your bank account Balance Subject To Interest Rate. Your statement shows a Balance Subject to Interest information. You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate number of the primary borrower as your electronic signature. By providing those is the average of the daily balances during the billing period. numbers, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amount is shown on the account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may as applicable, to correct an error in the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund or modify a payment from your bank account until 5:00 PM Eastern Time on the day of any remaining balance of $1.00 or more after 6 months, or as otherwise required such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, PO Box by applicable law, or upon request made to the address in the Contact Us section on 30421, Salt Lake City, UT 84130-0421. Same day online or phone payments from page 3 of your billing statement. bank account made after 5:00 PM Eastern Time may be modified before Midnight Eastern Time of that day. Payments from Cashback Bonus cannot be modified or Balance Transfers. Balance Transfers are offered at our discretion and accrue interest cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise. If your payments may vary in amount, we will tell you on each monthly billing Discover may monitor and/or record telephone calls between you and Discover statement when your payment will be made and how much it will be. You must ensure representatives for quality assurance purposes. that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. Send inquiries to Discover, PO Box 30943, Salt Lake City, UT 84130 You can set up automatic payments for: (i) statement New Balance, (ii) statement The Discover® card is issued by Discover Bank, Member FDIC. DIT23-27.0420 Change of Address If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com. Street Address Home Phone Work Phone City Email State, Zip FILED: ERIE COUNTY CLERK 04/11/2024 05:13 PM INDEX NO. 805233/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 04/11/2024 ONLINE PHONE PAYMENTS Page 3 of 4 Discover.com or 1-800-347-2683 Discover DISCOVER IT® CHROME CARD ENDING IN 9181 download our app Hearing/Speech Impaired PO Box 6103 OPEN TO CLOSE DATE: 12/04/2023 - 12/31/2023 Dial 711 (Relay Service) Carol Stream IL 60197-6103 Transactions Cashback Bonus® Rewards TRANS. PREVIOUS BALANCE $0.00 DATE PAYMENTS AND CREDITS AMOUNT EARNED THIS PERIOD +$0.00 12/31 INTERNAL CHARGE-OFF -$17,476.51 REDEEMED THIS PERIOD -$0.00 CASHBACK BONUS BALANCE $0.00 Fees and Interest Charged TOTAL FEES FOR THIS PERIOD $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2023 TOTALS YEAR-TO-DATE CHARGED AMOUNT TOTAL FEES CHARGED IN 2023 $265.00 TOTAL INTEREST CHARGED IN 2023 $3,199.41 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. CURRENT BILLING PERIOD: 28 DAYS PROMO BALANCE SUBJECT INTEREST TYPE OF BALANCE APR* APR EXPIRES** TO INTEREST RATE CHARGE Purchases 23.24% V N/A $0.00 $0.00 Cash Advances 29.99% V N/A $0.00 $0.00 V = VARIABLE RATE Variable APRs will not exceed 29.99%. * If your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act. ** This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. *** For more information, please call us at 1-800-347-2683. Information For You Availability of FICO® Credit Score As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO® Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO® Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FILED: ERIE COUNTY CLERK 04/11/2024 05:13 PM INDEX NO. 805233/2024 DISCOVER IT® CHROME NYSCEF DOC. NO. CARD 2 ENDING IN 9181 Page 4 of 4 RECEIVED NYSCEF: 04/11/2024 DONALD J RAUSCHELBACH OPEN TO CLOSE DATE: 12/04/2023 - 12/31/2023