Preview
FILED: KINGS COUNTY CLERK 05/20/2024 11:23 AM INDEX NO. 513976/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/20/2024
EXHIBIT A
FILED: KINGS COUNTY CLERK 05/20/2024 11:23 AM INDEX NO. 513976/2024
Page 1 of 2
NYSCEF DOC. NO. 2
QU C K S I I LVE R
RECEIVED NYSCEF: 05/20/2024
QuicksilverOne Card I Visa Platinum ending in 3357
ONE Sep 18, 2022 - Oct 18, 2022 I 31 days in Billing Cycle
iteletal lease insinanic
Payment Due Date For online and phone payments, the Previous Balance $1,061.41
deadline is 8pm ET.
Payments $0.00
NewBalance Minimum Payment Due Other Credits $0.00
$ 1,080.41 $1,080.41 Transactions + $0.00
Cash Advances + $0.00
Fees Charged + $0.00
Interest Charged + $19.00
NewBalance = $1,080.41
Available Credit (as of Oct 18, 2022) N/A
Account Notifications
NewYork may contact the NewYork State Department of Financial Services to obtain a comparative
residents 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 manageyour account at capitalone.com Customer Service: 1-800-227-4825 See reverse for Important Information
DAVIDD DALRYMPLE
1902 BEVERLEYRDAPT 3E
BROOKLYN,NY 11226-4809
illfulg||illl|g|ljggini l|l|pg||lg|lnq|igigpillfigg|g|l|i
Payment Due Date: Past Due Account ending in 3357
NewBalance Minimum Payment Due Amount Enclosed Capital One
$1,080.41 $1,080.41 $ e°oi"S°t a°m69L 60197-4069
Please send us this portion of your statement and only one check (or one money order) payable to Capital One ' ' ' ' 'll'lll""|l'llllllll'lll"ll"Ill"
III I I I 'I
to ensure your payment is processed promptly. Allow at least seven business days for delivery.
3357
FILED: KINGS COUNTY CLERK 05/20/2024 11:23 AM INDEX NO.
001513976/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/20/2024
Howcan I Avoid Paying Interest Charges? If you pay your NewBalance in full by the due date Howdo you Process Payments?Whenyou makea payment, you authorize us to initiate an
each month, we will not charge interest on newtransactions that post to the purchase balance. If ACHor electronic payment that will be debited from your bank account or other related
you have been paying in full without Interest Charges, but fail In pay your next NewBalance in full, account. Whenyou provide a check or check information to makea 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 makea one-time ACHor other electronic transfer from
Transfers start on the transaction date. Promotional offers may allow you to pay less than the total your bank account Wemay also process it as a check transaction. Funds may be withdrawn
NewBabnce and avoid paying interest on newtransactions that post 10 your purchase balance. from your bank account as soon as the sameday we process your payment.
Seethe front of your statement for additbnal information.
Howdo 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 babnce with the lowest APR(including 0%APR), and then to balances
transaction, date the transaction is pocessed or the first day of the Billing Cycle. Interest accrues with higher APRs. Weapply any part of your payment exceeding your Minimum Payment to
daily on every unpaid amount until it is pakI in full. Interest accrued during a Billing Cycle posts to the balance with the highest APR,and then to balances with bwer APRs.
your account at the end of the Billing cyde and appears on your next statement. You may owe
Interest Charges even if you pay the entire NewBabnce one month, but did not do so the prior Billing Rights Summary(Does not Apply to Small Busines_ Account_)
month. Onceyou start accruing Interest Charges, you generally must pay your NewBalance in ful What To DoIf You Think You Find A Mistake On Your Statement· If you think there is an
two consecudve Billing Cycles before Interest Charges stop being posted 10 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? Wemay assess a minimum Interest Charge of In your letter, give us the following information:
$0.50 for each Billing Cyde if your account is subject to an Interest Charge. " Acount information: Your nameand acount number.
" Dollar amount: The dollar amount of the suspected error.
Howdo you Calculate the Interest Charge? Weuse a method called Average Daily Balance " Description of Problem: If you think there is an error on your bill, describe what you believe is
(induding newtransactions). wrong and why you believe it is a mbtake. You must contact us wthin 60 days after the error
appeared on your statement. You must notiy us of any potential errors in writing. Youmaycall
1. First, for each segment we take the beginning balance each day and add in newtransactions and us or notify us electonically, but if you do we are not required to investigate any potential
the periodic Interest Charge on the previous day's babnce. Then we subtract any payments and errors and you may have to pay the amount in question. Wewill notiy you in writing within 30
credits for that segmentas 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, newtransactions which post to your the following are true:
purchase segment are not added to the daily balance. " Wecannot
try 10collect 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 10charge 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 madea mbtake, 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 mutip¥ your Average Dai¥ Balance for each segment by outcome of our investigation, you are responsible for the remainder of your balance.
the daily periodic rate (APRdivided by 365) for that segment, and then wemultiply the result by the " Wecan
apply any unpaid amount against your credit limit. Within 90 days of our receipt of
number of days in the Billing Cycle. Weadd the Interest Charges for all segments together. The your letter, we will send you a written notk:e explaining either that we corrected the error (to
result is your total lnterest Charge for the Bi)ng Cycle. appear on your next statement) or the reasons we believe the bill b correct.
The Average Daily Balance is referred 10as the Babnce Subject 10 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 10correct the problem wth the merchant, you mayhave the right not10 pay the remaining
NOTE:Due to rounding or a minimum Interest Charge, thb calculation may vary s>ghtly from the amount due on the purchase. To use this right, the folbwing 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 ATMor with a check that accesses your credit card account do not qualify;
and
2) You must not yet have fully paid for the purchase.
Howcan 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 dissatisfbd 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 In 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. mayreport you as delinquent
Howcan I Close MyAccount? You can contact Customer Service anytime 10 request that we ©2020 Capital One. Capital Oneis a federally registered service mark
close your account.
ETC-08 10/01/2020
Howdo I Make Payments? You may makeyour 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 Whenwill you Credit MyPayment?
" For mobile, online or over the phone, as of the business day wereceive 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.
Iwaitime at our processing center. You must send the bottom portion of this
Changing your mailing address?
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
You can change your address by signing into your account online or by calling
received by us at any other locadon or payments in any other form may not be
Customer Service.
credited as of the day wereceive them.
Any written request on this form will not be honored.
FILED: KINGS COUNTY CLERK 05/20/2024 11:23 AM INDEX NO. 513976/2024
Page 2 of 2
NYSCEF DOC. NO. 2
QUICKSILVER RECEIVED NYSCEF: 05/20/2024
3357
QuicksilverOne Card I Visa Platinum ending in
ONE Sep 18, 2022 - Oct 18, 2022 I 31 days in Billing Cycle
DAVID D DALRYMPLE
#3357: Payments, Credits and Adjustments
Trans Date Post Date Description Amount
DAVID D DALRYMPLE
#3357: Transactions
Trans Date Post Date Description Amount
RITA M DALRYMPLE
#7487: Payments, Credits and Adjustments
Trans Date Post Date Description Amount
RITA M DALRYMPLE
#7487: Transactions
Trans Date Post Date Description Amount
Trans Date Post Date Description Amount
Total Fees for This Period $0.00
interest Charge on Purchases $19.00
Interest Charge on Cash Advances $0.00
Interest Charge on Other Balances $0.00
Total Interest for This Period $19.00
Total Fees charged $134.00
Total Interest charged $149.44
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 20.90% D $1,070.57 $19.00
Cash Advances 27.90% D $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 Howdo 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
Preview
FILED: KINGS COUNTY CLERK 05/20/2024 11:23 AM INDEX NO. 513976/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/20/2024 EXHIBIT A FILED: KINGS COUNTY CLERK 05/20/2024 11:23 AM INDEX NO. 513976/2024 Page 1 of 2 NYSCEF DOC. NO. 2 QU C K S I I LVE R RECEIVED NYSCEF: 05/20/2024 QuicksilverOne Card I Visa Platinum ending in 3357 ONE Sep 18, 2022 - Oct 18, 2022 I 31 days in Billing Cycle iteletal lease insinanic Payment Due Date For online and phone payments, the Previous Balance $1,061.41 deadline is 8pm ET. Payments $0.00 NewBalance Minimum Payment Due Other Credits $0.00 $ 1,080.41 $1,080.41 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $19.00 NewBalance = $1,080.41 Available Credit (as of Oct 18, 2022) N/A Account Notifications NewYork may contact the NewYork State Department of Financial Services to obtain a comparative residents 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 manageyour account at capitalone.com Customer Service: 1-800-227-4825 See reverse for Important Information DAVIDD DALRYMPLE 1902 BEVERLEYRDAPT 3E BROOKLYN,NY 11226-4809 illfulg||illl|g|ljggini l|l|pg||lg|lnq|igigpillfigg|g|l|i Payment Due Date: Past Due Account ending in 3357 NewBalance Minimum Payment Due Amount Enclosed Capital One $1,080.41 $1,080.41 $ e°oi"S°t a°m69L 60197-4069 Please send us this portion of your statement and only one check (or one money order) payable to Capital One ' ' ' ' 'll'lll""|l'llllllll'lll"ll"Ill" III I I I 'I to ensure your payment is processed promptly. Allow at least seven business days for delivery. 3357 FILED: KINGS COUNTY CLERK 05/20/2024 11:23 AM INDEX NO. 001513976/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 05/20/2024 Howcan I Avoid Paying Interest Charges? If you pay your NewBalance in full by the due date Howdo you Process Payments?Whenyou makea payment, you authorize us to initiate an each month, we will not charge interest on newtransactions that post to the purchase balance. If ACHor electronic payment that will be debited from your bank account or other related you have been paying in full without Interest Charges, but fail In pay your next NewBalance in full, account. Whenyou provide a check or check information to makea 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 makea one-time ACHor other electronic transfer from Transfers start on the transaction date. Promotional offers may allow you to pay less than the total your bank account Wemay also process it as a check transaction. Funds may be withdrawn NewBabnce and avoid paying interest on newtransactions that post 10 your purchase balance. from your bank account as soon as the sameday we process your payment. Seethe front of your statement for additbnal information. Howdo 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 babnce with the lowest APR(including 0%APR), and then to balances transaction, date the transaction is pocessed or the first day of the Billing Cycle. Interest accrues with higher APRs. Weapply any part of your payment exceeding your Minimum Payment to daily on every unpaid amount until it is pakI in full. Interest accrued during a Billing Cycle posts to the balance with the highest APR,and then to balances with bwer APRs. your account at the end of the Billing cyde and appears on your next statement. You may owe Interest Charges even if you pay the entire NewBabnce one month, but did not do so the prior Billing Rights Summary(Does not Apply to Small Busines_ Account_) month. Onceyou start accruing Interest Charges, you generally must pay your NewBalance in ful What To DoIf You Think You Find A Mistake On Your Statement· If you think there is an two consecudve Billing Cycles before Interest Charges stop being posted 10 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? Wemay assess a minimum Interest Charge of In your letter, give us the following information: $0.50 for each Billing Cyde if your account is subject to an Interest Charge. " Acount information: Your nameand acount number. " Dollar amount: The dollar amount of the suspected error. Howdo you Calculate the Interest Charge? Weuse a method called Average Daily Balance " Description of Problem: If you think there is an error on your bill, describe what you believe is (induding newtransactions). wrong and why you believe it is a mbtake. You must contact us wthin 60 days after the error appeared on your statement. You must notiy us of any potential errors in writing. Youmaycall 1. First, for each segment we take the beginning balance each day and add in newtransactions and us or notify us electonically, but if you do we are not required to investigate any potential the periodic Interest Charge on the previous day's babnce. Then we subtract any payments and errors and you may have to pay the amount in question. Wewill notiy you in writing within 30 credits for that segmentas 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, newtransactions which post to your the following are true: purchase segment are not added to the daily balance. " Wecannot try 10collect 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 10charge 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 madea mbtake, 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 mutip¥ your Average Dai¥ Balance for each segment by outcome of our investigation, you are responsible for the remainder of your balance. the daily periodic rate (APRdivided by 365) for that segment, and then wemultiply the result by the " Wecan apply any unpaid amount against your credit limit. Within 90 days of our receipt of number of days in the Billing Cycle. Weadd the Interest Charges for all segments together. The your letter, we will send you a written notk:e explaining either that we corrected the error (to result is your total lnterest Charge for the Bi)ng Cycle. appear on your next statement) or the reasons we believe the bill b correct. The Average Daily Balance is referred 10as the Babnce Subject 10 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 10correct the problem wth the merchant, you mayhave the right not10 pay the remaining NOTE:Due to rounding or a minimum Interest Charge, thb calculation may vary s>ghtly from the amount due on the purchase. To use this right, the folbwing 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 ATMor with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase. Howcan 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 dissatisfbd 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 In 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. mayreport you as delinquent Howcan I Close MyAccount? You can contact Customer Service anytime 10 request that we ©2020 Capital One. Capital Oneis a federally registered service mark close your account. ETC-08 10/01/2020 Howdo I Make Payments? You may makeyour 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 Whenwill you Credit MyPayment? " For mobile, online or over the phone, as of the business day wereceive 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. Iwaitime at our processing center. You must send the bottom portion of this Changing your mailing address? 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 You can change your address by signing into your account online or by calling received by us at any other locadon or payments in any other form may not be Customer Service. credited as of the day wereceive them. Any written request on this form will not be honored. FILED: KINGS COUNTY CLERK 05/20/2024 11:23 AM INDEX NO. 513976/2024 Page 2 of 2 NYSCEF DOC. NO. 2 QUICKSILVER RECEIVED NYSCEF: 05/20/2024 3357 QuicksilverOne Card I Visa Platinum ending in ONE Sep 18, 2022 - Oct 18, 2022 I 31 days in Billing Cycle DAVID D DALRYMPLE #3357: Payments, Credits and Adjustments Trans Date Post Date Description Amount DAVID D DALRYMPLE #3357: Transactions Trans Date Post Date Description Amount RITA M DALRYMPLE #7487: Payments, Credits and Adjustments Trans Date Post Date Description Amount RITA M DALRYMPLE #7487: Transactions Trans Date Post Date Description Amount Trans Date Post Date Description Amount Total Fees for This Period $0.00 interest Charge on Purchases $19.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $19.00 Total Fees charged $134.00 Total Interest charged $149.44 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 20.90% D $1,070.57 $19.00 Cash Advances 27.90% D $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 Howdo 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