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RETURN DATE: : SUPERIOR COURT
DISCOVER BANK : JUDICIAL DISTRICT OF
STAMFORD-NORWALK
V.
AT STAMFORD
SHAH, AJOB
February 28, 2019
COMPLAINT
+s COUNT 1: 4 5 5
1. At all times relevant hereto, Plaintiff, DISCOVER BANK, is a business located at
C/O Discover Products Inc. 6500 New Albany Road East New Albany,OH 43054. A
copy of an affidavit from an employee of plaintiff is attached hereto and the most recent
statement is attached to the affidavit.
2. Atall times relevant hereto, defendant, AJOB SHAH, is an individual currently
residing at 142 MYRTLE AVE APT 5 STAMFORD, CT 06902.
3. At all times relevant hereto, plaintiff has been licensed to do business in the State of
Connecticut.
4. Pursuant to the defendant's request, plaintiff issued to the defendant a credit account
in the defendant's name.
5. As attested to by the plaintiffin the annexed affidavit, defendant has defaulted on
This is an attempt to collect a debt and any information obtained will be used for that purpose.
This communication is from a debt collector.
CT_0103 File No 17-24764 ‘fe A A h 4h h
this debt as the last payment was made on 11/13/2016. Plaintiff demanded payment
immediately following defendant's last payment and continued demanding payment
through the present.
«6 Upon use of the credit account, defendant became obligated to abide by all the terms. _
and conditions of the Agreement, including, but not limited to the term in which
, defendant promises to pay the plaintiff. 5
7. Despite plaintiff's demands to pay, defendant has failed and/or neglected to pay the
“sum due according to the Agreement.
8. At present, defendant owes plaintiff a balance of Eight Thousand Two Hundred Six
“dollars and 90 cents ($8,206.90), as set forth in the affidavit. In addition, defendant :
owes the full amount of debt, costs and fees as authorized pursuant to the terms of the
Agreement.
9. Plaintiff is the original owner of all rights, title and interest in the defendant's
indebtedness under the Agreement by virtue of being the creditor of the credit account.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
This communication is from a debt collector. .
CT_0103 File No 17-24764 q . xINT 2:
10. Plaintiff hereby repeats, re-alleges, and restates the allegations contained in
paragraphs 1-4 of Count 1 as if more fully set forth below.
11. Plaintiff sent accurate monthly statements to the defendants regarding the
revolving line of credit and/or credit card account.
12. The monthly statements indicate defendant's use of the revolving line of credit
and/or credit card, payments made on the account from the defendant,.and that defendant ,
ceased making payments on the account.
13. The monthly statements also verity that plaintiff continued to send uipdated
monthly statements to defendant, which included an explanation of finance charges and
late fees on the account due to account delinquency.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
This communication is from a debt collector.
CT_0103 File No 17-24764Se & b 4 L
A ; a 7 A
WHEREFORE, plaintiff demands judgment against defendant for:
1. The principal sum of $8,206.90;
2. Reasonable costs and court fees; and
w
Post-judgment interest at the Court's discretion; and
4.__ Such further relief as the Court deems just.and proper.
For Plaintiff, Discover Bank
, 4 By Its Attorneys
Vey | 1
Ce}
~-CHfistopher T. Moylan, Esq. ~~
Matthew R. Bardos, Esq.
Firm Juris #438732
Stillman Law Office, LLC
30057 Orchard Lake Rd. Suite 200 Dept 100
Farmington Hills, MI 48334
* (888) 286-5001
(203) 942-2301 (fax)
connecticut@stillmanlaw.com
This is. an attempt to collect a debt and any information obtained will be used for that purpose.
This communication is from a debt collector. . :
CT_0103'File No 17-24764 ©» RETURN DATE: ! } : SUPERIOR COURT !
DISCOVER BANK : JUDICIAL DISTRICT OF
STAMFORD-NORWALK.
Vv. :
J y ATSTAMFORD
SHAH, AJOB , :
February 28, 2019
FE. ILLE' E
SUBSEQUENT COMMUNICATIONS
Pursuant to the United States Code, Title 15, Section 1692, et seq., you are hereby
notified that Counsel for the Plaintiff is attempting to collect the debt which is the subject of the
within action and any information Obtained will be used solely for that purpose.’ ;
For Plaintiff, Discover Bank
B ts Attorneys
COE
whee - LE
Christopfer T. Moylan, Esq.
Matthew R. Bardos, Esq.
Firm Juris #438732
Stillman Law Office, LLC
30057 Orchard Lake Rd. Suite 200 Dept 100
Farmington Hills, MI 48334
(888) 286-5001
(203) 942-2301 (fax)
connecticut@stillmanlaw.com
This is an attempt to collect a debt and any information obtained will be used for that purpose.
This communication is from a debt collector. 2 :
CT_0104 File No 17-24764 . % ‘ \RETURN DATE: : : !SUPERIOR COURT:
DISCOVER BANK : JUDICIAL DISTRICT OF
STAMFORD-NORWALK
Vv. :
& 4 AT STAMFORD
SHAH, AJOB ; :
February 28, 2019
STATEMENT OF AMOUNT IN DEMAND
The amount in demand is not greater than $15,000.00, exclusive of costs and interest.
For Plaintiff, Discover Bank
By Its Attorneys
phér T. Moylan, Esq. |
Matthew R. Bardos, Esq.
Firm Juris #438732
: Stillman Law Office, LLC
es 30057 Orchard Lake Rd. Suite 200 Dept 100
Farmington Hills, MI 48334
(888) 286-5001
(203) 942-2301 (fax)
connecticut@stillmanlaw.com
This is an attempt to collect a debt and any information obtained will be used for that purpose.
This communication is from a debt collector.
CT_0105 File No 17-24764 ‘NO: SUPERIOR COURT
Discover Bank Judicial District of Stamford-Norwalk
VS. AT Stamford
AJOB SHAH March 14,2019
MILITARY SERVICE AFFIDAVIT
Defendant(s), AJOB SHAH are not known to be in active military duty. The facts supporting this
statement are evidenced in the appended Certificate verifying Active Duty Status obtained from
Department of Defense Manpower Data Center. Plaintiff used the Defendant’s Social Security Number
in accessing and obtaining this report.
I recognize the Defense Manpower Data Center (DMDC) as an organization of the Department of
Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS)
database which is the official source of data on eligibility for military medical care and other eligibility
systems.
T hereby declare or affirm under the penalties of perjury that the facts and matters set forth in the
aforegoing Affidavit are true and correct to the best of my knowledge, information, and belief.
Date: 3-18-14 DIOS X—
Affiant % Phillip Howveyeye
Subscribed to and sworn before me this ZL IS day of March 204 7, in the County of
Oakland, State of Michigan
ft Shedd » Notary Public TARI SHERLOCK
State of Michigan, County of ZARA > ; NOTARY PUBLIC - STATE OF MICHIGAN
Acting in Oakland County My Commission Expires: ////8 L2420 COUNTY OF OAKLAND
My Commission Expires 11/18/2020
Acting in the County of
CT_0119 MILITARY AFFIDAVIT File No. 17-24764Rosulls as of : Fob-27-2019 10:51:30 AM
Department of Defense Manpower Data Center
SORA 4.10
Status Report
Pursuant to Servicemembers Civil Relief Act
SSN: XXX-XX
Birth Date:
Last Name: SHAH
First Name: AJOB
Middle Name:
Status As Of: Feb-27-2019
Certificate ID: KFOBWRY9TOX6WMC
Gn Active Duty On Active Duty Status Dato
‘Active Duly Start Date ‘Active Duly End Date Status Service Component
NA Na Ro. NA
‘This response rellects the individuals’ active duty stalus based on the Active Duly Status Date
{oft Active Duty Within 367 Days ot Active Duly Status Date
‘tive Duty Start Date ‘ative Duty End Date Siatus Service Component
NA NA No NA
‘This rosponse rellcts where tho individual lot active duly stals witha 367 days preceding the Aetve Duly Status Dato
“The Member or HisHer Unt Was Notified of a Future Call-Up to Active Duty on Active Duly Status Date
(Order Notification Start Date Order Natifcation End Dato Status Serve Component
NA NA Wo NA
This response clipes whether the inivdual or Wish unl has received ealynoliiation io report for active duly
Upon searching the data banks of the Department of Defense Manpower Data Center, based on the informatian that you provided, the above is the status of
the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and
Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duly.
Michael V. Sorrento, Director
Department of Defense - Manpower Data Center
400 Gigling Rd.
Seaside, CA 93955cer
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility
Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems.
The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USG App. ? 501 et seq, as amended) (SCRA) (lormerly known as
the Soldiers’ and Sailors’ Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family
member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the
protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact
information can be found on the SCRA website's FAQ page (Q33) via this URL: https://scra.dmde.osd.mil/faq.xhtml#O33. If you have evidence the person
was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked
against you. See 50 USC App. ? 824 (c).
This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual felt Active
Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active
duty on the Active Duly Status Date.
More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC ? 104(d) (1). Prior to 2010 only some of the active duty periods less
than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service
authorized by the President or the Secretary of Defense under 32 USC ? 502(f) for purposes of responding to a national emergency declared by the
President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the
unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve
Program Administrator (RPAs), Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S.
Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps).
Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be
feported as on Active Duty under this certificate, SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods.
Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC ? 101(d)(1).
Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website
certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service.
Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not
actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA
extend beyond the last dates of active duty.
‘Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA
are protected
WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing
erroneous information will cause an erroneous certificate to be provided.ACCOUNT NUMBER: XXXXXXXXXXXK3772
BALANCE: $8,206.90
CARDMEMBER (S): AJOB SHAH
STATE OF OHIO
COUNTY OF FRANKLIN
Stacey Proctor, personally appeared before me, on this day and after being duly sworn, according to law, and
upon my oath and states as follows:
Jam a Litigation Support Coordinator for DISCOVER PRODUCTS INC., successor by merger to DB
SERVICING CORPORATION, the servicing affiliate of DISCOVER BANK, an FDIC insured Delaware
State Bank. DISCOVER PRODUCTS INC. is responsible for, among other things, maintaining account
records pertaining to Discover Card accounts and interacting with Discover Card account holders with regard
to payments owed on those accounts.
This affidavit is made on the basis of my personal knowledge and in support of the Plaintiff's suit on account
against the Cardmember(s).
In my capacity as Litigation Support Coordinator, I have knowledge regarding, and access to, records
regarding the Discover Card account of the above referenced Cardmember(s). DISCOVER PRODUCTS
INC. maintains these records in the ordinary course of its business, and the records are updated with
information on events (such as charges and payments on the account) by individuals with personal knowledge
of those events or by automated processes that track such events at or near the time that the events occur. The
same systems that record this information also generate periodic statements that are sent to Discover
Cardmember(s), and store copies of these periodic statements. In addition, these same record-keeping
systems contain information about which version of Discover Bank’s terms and conditions has been
communicated to an account holder and accepted by an account holder through the use of his or her Discover
Card after receipt of the terms and conditions. I have personally inspected the records pertaining to the
account of the Cardmember(s), including the last periodic statement sent to the Cardmember(s) by
DISCOVER PRODUCTS INC., to ascertain the applicable terms and conditions, the balance due on said
account and whether the Cardmember(s) have made payments on that balance.
According to the records maintained by DISCOVER PRODUCTS INC., during the period of time that
account statements were generated, such statements were either provided to the Cardmember(s)
electronically or mailed to the Cardmember(s) at the address maintained on file during that time period.
According to the records maintained by DISCOVER PRODUCTS INC., the last known address associated
with the Cardmember(s) is/are:
142 MYRTLE AVE APT 5
STAMFORD, CT 06902-5121
The account is in default because the Cardmember(s) have not paid the amounts due and owing to Discover
Bank on the account.
The business records maintained by DISCOVER PRODUCTS INC. and described above show that the
Cardmember(s)’ account with Discover Bank is governed by terms and conditions referred to as “terms level
25K.” A true and correct copy of these terms and conditions have been provided to DISCOVER PRODUCTS
INC.’s counsel in this case.
Exhibit A is a true and accurate copy of the last periodic statement sent by DISCOVER PRODUCTS INC. to
SHL_SHAH_755146_1.1 vidthe Cardmember(s), retrieved from the record-keeping system described above, and shows the amount that is
now due and owing Discover Bank on the account.
DISCOVER PRODUCTS INC. has access to a system of records maintained by the United States Department
of Defense, which allows DISCOVER PRODUCTS INC. to ascertain whether a particular person is engaged in
active duty in any branch of the U.S. military, It is the regular practice of DISCOVER PRODUCTS INC. to
query this system with respect to any account holder prior to initiating a collection action against that account
holder. DISCOVER PRODUCTS INC. maintains records in the normal course of its business that indicate the
results of that query. Based on my review of the account records applicable to Cardmember(s), to the best of
my knowledge and belief the above referenced Cardmember(s) is not engaged in any of the military services of
the United States.
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge.
/
4 to Cots 2, ex ley
Affiant t
SUBSCRIBED TO AND SWORN TO before me this 1% day of ‘ » 2019.
Sse, Ablgall Patton
Notary Public, State of Ohio
My Commission Expires
May 16, 2023
“ese
“Gy
"4;
SHL_SHAH_755146_1.1 vilVER
DISC
Discover it? Card
Account number ending in 3772
Open Date: May 24, 2017- Close Date: Jun 23, 2017
Cardmember Since 2016
Page 1 of 6
Previous Balance $8,169.90 New Balance $8,206.90
Payments and Credits ; $0.00 Minimum Payment Due * $1,221.06
perenases ' : S00 Poyment Due Date July 18, 2017
jalance Transfers .
* Incl st Sf 1056.0
Cash Advances + $0.00 Includes pas! due amount o $1056.06
Fees Charged * $37.00 Late Payment Warning: If we do not receive your minimum payment by the
Interest Charged + $0.00 date listed above, you may have to pay a late fee of up to $37.00.
New Balance $8,206.90 Minimum Payment Warning: If you make only the minimum payment each
See Interes! Charge Calculation section following the
Transactions section for detailed APR information
Credit Line $8,000
Credit Line Available $0
Cash Advance Credit Line $4,000
Cash Advance Credit Line Available $0
You may be able to avoid interest on Purchases.
See reverse for details,
You are overlimit by $206.90. Paying more than the Minimum
Payment Due will reduce your overlimit amount.
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION
balance. For example:
period, you will pay more in interest and if will take you longer to pay off your
You will pay off the
bolance shown on this
AMolarneint ix about...
you:make no additional chorges
using this cord ond gach month’
you pay.
Aad yousledup |
porta ‘an estimated total
ob.
Only the minimum payment 25 years
$23,548
If you would like information about credit counseling services, call 1-800-347-1121
REWARDS
To learn more, log in at Discover.com
Cashback Bonus® Anniversary Month
Opening Balance 8 0.00
New Cashback Bonus This Period +$ 0.00
Redeemed This Period :$ 0.00
Cashback Bonus Balance $ 0.00
Make Check payable to Discover, Do Not Send Cash.
Please fold on the perforation below, detach and return with your payment.
Payment Coupon
Please do not fold, clip or staple.
Pay Online
Discover,com
@
Woof tee f detest feel pg tbee eg ert
AJOB SHAH se
142 MYRTLE AVE APT 5
STAMFORD CT 06902-5121
Phone and Internet poymonts must be received before midnight ET on your due date fo be
credited as of the same day.
Address, e-mail or tolophone changed? Nole changes on reverse s
@ Pay by Phone Account number ending in 9772
1800:347-3085 Minimum PaymentDue 31,221.06
New Balonce “$8,206.90
Payment Dus Date July 18,2017
Amount enclosed $ _|
PO BOX 71084
CHARLOTTE NC 28272-1084
Ug hyetOfoAOD fgg ened gE ANE ATEN fod feof pteAJOB SHAH Account number ending in 3772
Important Information
See your Cardmember Agreement. Your Cardmember Agreement contains
all iRe ferms of your Account.
Lost or stolen cards. Report immediately! Call 1-800-347-3085.
What To Do if You Think You Find A Mistake On Your Statement:
if you think there is an error on your statement, waite fo us at Discaver, PO
Box 30421, Sali Lake City, UT 84130-0421, or submit the form provided at
htips://discover.com/bvillingerrornotice. You must contact us wilhin 60 days
after the error appeared on your statement. You 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 explains your
rights. Please see your Cardmember Agreement or visit
hitps://discover.com/billingrights for a copy of this Notice,
Payments. You may pay all or part of your Account balances al any time.
However, you must pay at least the Minimum Payment Due by the Payment
Due Date. Send only your allowable form of payment ('Payment’)_ and the
Bottom portion of this slotement in the envelope provided, after affixing
postage. Payments sent withoul proper postage will be relurned to the
sender, If you pay by check, you authorize us to use information on your
check to make an electronic fund transfer from your account at the financial
institution indicaiad on your check or to process the payment os a check
iransaction. If a Payment is processed as an electronic lund Wwansfer, the
transfer will be for the amount of the check, funds may be wilhdrawn from
your account as soon gs the same day we receive your check, and you will
not receive your check back.
Please do not send cash. Sending cash is not allowed. The processing of
your allowable form of Payment may be delayed if you send cash or
correspondence with your Payments, if you send the Payment te any other
address, or if you use an envelope other thon the one provided, Payments
received al our processing facility by 5PM local lime on any day will be
credited to your Account as of that day, Payments received ot our processing
locilily after 5PM local time will be credited to your Account as of the nex!
day. tf you hove misplaced your envelope, send your Payment to Discover,
PO Box 6103, Carol Stream, It 60197-6103, Please ollow 7-10 days for
delivery. If your Payment is relurned unpaid, we reserve the right jo resubmit
it as on electronic debit. Payments made online or by phone will ba credited
as of the day of receipt if mede by Midnight ET on the Payment Due Date or
5PM ET on any other day.
You can also make a Payment or set up automatic payments by calling
1-800-347-3085. Automatic payments for the billing periad shown on your
statement will be deducted on the Payment Due Dale shown on thal
stolement, or the next aulomatic puyment date referred te on your stalement,
unless you request a recurring payment dote that occurs before your Payment
Due Dole, If your scheduled payment dats falls on a weekend or bark
holiday, your payment will be processed the business day prior to the
weekend or bank holiday. In order lo schedule monihly payments by
telephone, you will need this statement and your bank account information.
You will bg asked to provide the lost four (4) digits of the social securily
number of the primary borrower as your electronic signature. By providing
those numbers, you will be agreeing to this authorization to allow us and
your bank to deduci each payment you authorize, in the amount selected by
you, from your bank account, You also autharize us to initiate debit or credit
éniries to your bank account, us applicable, fo correct an error in the
processing of such payment. You can cancél a scheduled poymenl by phone
1 1 800-347-2089 or by mail al Discover, PO Box 20421, Salt Lake Cy,
UT 84130-0421, payment cancellations must be received before 5 PM ET of
Ihe scheduled withdrawal date.
{f your payments may vary in omaunt, we will tell you on each monthly billing
statement when your payment will be made and how much it will be. You
must ensure that sufficient funds are ovailable in your bank account, and all
transactions must comply with U.S, law.
CHANGE OF ADDRESS
If correct on front, do not use. Please print clearly in blue or black ink, in the space provided.
Open Date: May 24, 2017 - Close Date: Jun 23, 2017 Page 2 of 6
You can set automatic payments for: (i) statement New Balance, (il] statement
Minimum Payment Due, (ii) statement Misimum Payment Due plus a fixed
dollar amount, or (iv) other dollar amount, If your scheduled "Other dollar
amount" payment is not enough fo cover the Minimum Payment Due as listed
on your monthly billing stalement, your scheduled payment for that month
will be increased fo cover the Minimuny Payment Due, If the scheduled
payment is grealer than the Minimum Payment Due, any excess will be
applied in accordance with your Cordmember Agreement. If your scheduled
payment is greater than the New. Balance on your billing statement, that
poyrent will be processed only for the amount of your New Balance. Your
automatic payment amount may be less than the amount indicated on the
billing statement based on credits or payments after he Close Date,
IF you enrll by phone in oy avlomotic payment sence, please filln the
following blanks below and ratain the avihorization for your records.
Amount: L] Full Pay. LE Min Pay, OMin Poy+ 3__. :
OOther Amounts } Bank Routing #: ;
Bank Account # i
Monthly on the {] Payment Due Date
oC Day of month (insert date)
Credit Reporting. We may. report information aboul your Accouni to credit
bureaus. Late payments, missed payments, or other defaults on your Account
my 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 helieve that our rapor! is inaccurate or incomplete, please write us at this
address; Discover, PO Box 15316, Wilmington, DE 19850-5316. Please
include your name, address, home telephone number and Account number
Paying Interest. Your due date is af leust 25 days alter the close of each
billing period (at least 23 doys for billing periods that begin in Febsruery), We
will not charge you any interest on Purchases if you pay your entise balance
by the due date each month, We will begin charging interest on Cosh
Advances and Balance Transfers as of the later of the Transaction Date or the
first day of the billing period in which the transaction posted to your Account
How We Calculate Interest Charges. We Use the Daily Balance Method
(including current trensactions} to calculate the Balance Subject to Interest
Rate. For more information, please call us at 1-800-347-3085.
Balance Subject to Interest Rate. Your statement shows a Balance Subject
to Interest Rote. I! shows this for each transaction category. The Balance
Subject to Interest Rates is the average of the daily balances during the billing
period,
Credit Balances. If your Account has a ¢fedit balance, the amount is shown
on the Front of your billing statement. A credit balance is money that is owed
to you, You may moke charges agains! this amount if your Accounl is open.
We will send you o refund of any remaining balance of $1.00 or more after
6 monihs, or 05 olhorvise required by applicable lav, or upon request mace
to the address in the Contact Us section on page 3 of your billing statement
Balance Transfers. Balance Transfers are offered at our glscretion and
accrue interest at the siandurd purchase rate unless we tell you otherwise.
Discover may monitor and/or record telephone calls between you and
Discover repiescniolives for qualily assurance purposes.
The Discover® card is issued by Discover Bank, Member FDIC, 1723-25 1116
Street Address Home Phone
Work Phone |
| .
| City Email
| ~~ - - _ _
| ~
State, Zip
To make changes to your address, email or telephone number, visit Discover.com
Continued on nex! pageeee
Preview
f sh s 4 } / } RETURN DATE: : SUPERIOR COURT DISCOVER BANK : JUDICIAL DISTRICT OF STAMFORD-NORWALK V. AT STAMFORD SHAH, AJOB February 28, 2019 COMPLAINT +s COUNT 1: 4 5 5 1. At all times relevant hereto, Plaintiff, DISCOVER BANK, is a business located at C/O Discover Products Inc. 6500 New Albany Road East New Albany,OH 43054. A copy of an affidavit from an employee of plaintiff is attached hereto and the most recent statement is attached to the affidavit. 2. Atall times relevant hereto, defendant, AJOB SHAH, is an individual currently residing at 142 MYRTLE AVE APT 5 STAMFORD, CT 06902. 3. At all times relevant hereto, plaintiff has been licensed to do business in the State of Connecticut. 4. Pursuant to the defendant's request, plaintiff issued to the defendant a credit account in the defendant's name. 5. As attested to by the plaintiffin the annexed affidavit, defendant has defaulted on This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. CT_0103 File No 17-24764 ‘fe A A h 4h h this debt as the last payment was made on 11/13/2016. Plaintiff demanded payment immediately following defendant's last payment and continued demanding payment through the present. «6 Upon use of the credit account, defendant became obligated to abide by all the terms. _ and conditions of the Agreement, including, but not limited to the term in which , defendant promises to pay the plaintiff. 5 7. Despite plaintiff's demands to pay, defendant has failed and/or neglected to pay the “sum due according to the Agreement. 8. At present, defendant owes plaintiff a balance of Eight Thousand Two Hundred Six “dollars and 90 cents ($8,206.90), as set forth in the affidavit. In addition, defendant : owes the full amount of debt, costs and fees as authorized pursuant to the terms of the Agreement. 9. Plaintiff is the original owner of all rights, title and interest in the defendant's indebtedness under the Agreement by virtue of being the creditor of the credit account. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. . CT_0103 File No 17-24764 q . xINT 2: 10. Plaintiff hereby repeats, re-alleges, and restates the allegations contained in paragraphs 1-4 of Count 1 as if more fully set forth below. 11. Plaintiff sent accurate monthly statements to the defendants regarding the revolving line of credit and/or credit card account. 12. The monthly statements indicate defendant's use of the revolving line of credit and/or credit card, payments made on the account from the defendant,.and that defendant , ceased making payments on the account. 13. The monthly statements also verity that plaintiff continued to send uipdated monthly statements to defendant, which included an explanation of finance charges and late fees on the account due to account delinquency. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. CT_0103 File No 17-24764Se & b 4 L A ; a 7 A WHEREFORE, plaintiff demands judgment against defendant for: 1. The principal sum of $8,206.90; 2. Reasonable costs and court fees; and w Post-judgment interest at the Court's discretion; and 4.__ Such further relief as the Court deems just.and proper. For Plaintiff, Discover Bank , 4 By Its Attorneys Vey | 1 Ce} ~-CHfistopher T. Moylan, Esq. ~~ Matthew R. Bardos, Esq. Firm Juris #438732 Stillman Law Office, LLC 30057 Orchard Lake Rd. Suite 200 Dept 100 Farmington Hills, MI 48334 * (888) 286-5001 (203) 942-2301 (fax) connecticut@stillmanlaw.com This is. an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. . : CT_0103'File No 17-24764 ©» RETURN DATE: ! } : SUPERIOR COURT ! DISCOVER BANK : JUDICIAL DISTRICT OF STAMFORD-NORWALK. Vv. : J y ATSTAMFORD SHAH, AJOB , : February 28, 2019 FE. ILLE' E SUBSEQUENT COMMUNICATIONS Pursuant to the United States Code, Title 15, Section 1692, et seq., you are hereby notified that Counsel for the Plaintiff is attempting to collect the debt which is the subject of the within action and any information Obtained will be used solely for that purpose.’ ; For Plaintiff, Discover Bank B ts Attorneys COE whee - LE Christopfer T. Moylan, Esq. Matthew R. Bardos, Esq. Firm Juris #438732 Stillman Law Office, LLC 30057 Orchard Lake Rd. Suite 200 Dept 100 Farmington Hills, MI 48334 (888) 286-5001 (203) 942-2301 (fax) connecticut@stillmanlaw.com This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. 2 : CT_0104 File No 17-24764 . % ‘ \RETURN DATE: : : !SUPERIOR COURT: DISCOVER BANK : JUDICIAL DISTRICT OF STAMFORD-NORWALK Vv. : & 4 AT STAMFORD SHAH, AJOB ; : February 28, 2019 STATEMENT OF AMOUNT IN DEMAND The amount in demand is not greater than $15,000.00, exclusive of costs and interest. For Plaintiff, Discover Bank By Its Attorneys phér T. Moylan, Esq. | Matthew R. Bardos, Esq. Firm Juris #438732 : Stillman Law Office, LLC es 30057 Orchard Lake Rd. Suite 200 Dept 100 Farmington Hills, MI 48334 (888) 286-5001 (203) 942-2301 (fax) connecticut@stillmanlaw.com This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. CT_0105 File No 17-24764 ‘NO: SUPERIOR COURT Discover Bank Judicial District of Stamford-Norwalk VS. AT Stamford AJOB SHAH March 14,2019 MILITARY SERVICE AFFIDAVIT Defendant(s), AJOB SHAH are not known to be in active military duty. The facts supporting this statement are evidenced in the appended Certificate verifying Active Duty Status obtained from Department of Defense Manpower Data Center. Plaintiff used the Defendant’s Social Security Number in accessing and obtaining this report. I recognize the Defense Manpower Data Center (DMDC) as an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. T hereby declare or affirm under the penalties of perjury that the facts and matters set forth in the aforegoing Affidavit are true and correct to the best of my knowledge, information, and belief. Date: 3-18-14 DIOS X— Affiant % Phillip Howveyeye Subscribed to and sworn before me this ZL IS day of March 204 7, in the County of Oakland, State of Michigan ft Shedd » Notary Public TARI SHERLOCK State of Michigan, County of ZARA > ; NOTARY PUBLIC - STATE OF MICHIGAN Acting in Oakland County My Commission Expires: ////8 L2420 COUNTY OF OAKLAND My Commission Expires 11/18/2020 Acting in the County of CT_0119 MILITARY AFFIDAVIT File No. 17-24764Rosulls as of : Fob-27-2019 10:51:30 AM Department of Defense Manpower Data Center SORA 4.10 Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX Birth Date: Last Name: SHAH First Name: AJOB Middle Name: Status As Of: Feb-27-2019 Certificate ID: KFOBWRY9TOX6WMC Gn Active Duty On Active Duty Status Dato ‘Active Duly Start Date ‘Active Duly End Date Status Service Component NA Na Ro. NA ‘This response rellects the individuals’ active duty stalus based on the Active Duly Status Date {oft Active Duty Within 367 Days ot Active Duly Status Date ‘tive Duty Start Date ‘ative Duty End Date Siatus Service Component NA NA No NA ‘This rosponse rellcts where tho individual lot active duly stals witha 367 days preceding the Aetve Duly Status Dato “The Member or HisHer Unt Was Notified of a Future Call-Up to Active Duty on Active Duly Status Date (Order Notification Start Date Order Natifcation End Dato Status Serve Component NA NA Wo NA This response clipes whether the inivdual or Wish unl has received ealynoliiation io report for active duly Upon searching the data banks of the Department of Defense Manpower Data Center, based on the informatian that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duly. Michael V. Sorrento, Director Department of Defense - Manpower Data Center 400 Gigling Rd. Seaside, CA 93955cer The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USG App. ? 501 et seq, as amended) (SCRA) (lormerly known as the Soldiers’ and Sailors’ Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q33) via this URL: https://scra.dmde.osd.mil/faq.xhtml#O33. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. ? 824 (c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual felt Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duly Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC ? 104(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC ? 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs), Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be feported as on Active Duty under this certificate, SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC ? 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. ‘Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided.ACCOUNT NUMBER: XXXXXXXXXXXK3772 BALANCE: $8,206.90 CARDMEMBER (S): AJOB SHAH STATE OF OHIO COUNTY OF FRANKLIN Stacey Proctor, personally appeared before me, on this day and after being duly sworn, according to law, and upon my oath and states as follows: Jam a Litigation Support Coordinator for DISCOVER PRODUCTS INC., successor by merger to DB SERVICING CORPORATION, the servicing affiliate of DISCOVER BANK, an FDIC insured Delaware State Bank. DISCOVER PRODUCTS INC. is responsible for, among other things, maintaining account records pertaining to Discover Card accounts and interacting with Discover Card account holders with regard to payments owed on those accounts. This affidavit is made on the basis of my personal knowledge and in support of the Plaintiff's suit on account against the Cardmember(s). In my capacity as Litigation Support Coordinator, I have knowledge regarding, and access to, records regarding the Discover Card account of the above referenced Cardmember(s). DISCOVER PRODUCTS INC. maintains these records in the ordinary course of its business, and the records are updated with information on events (such as charges and payments on the account) by individuals with personal knowledge of those events or by automated processes that track such events at or near the time that the events occur. The same systems that record this information also generate periodic statements that are sent to Discover Cardmember(s), and store copies of these periodic statements. In addition, these same record-keeping systems contain information about which version of Discover Bank’s terms and conditions has been communicated to an account holder and accepted by an account holder through the use of his or her Discover Card after receipt of the terms and conditions. I have personally inspected the records pertaining to the account of the Cardmember(s), including the last periodic statement sent to the Cardmember(s) by DISCOVER PRODUCTS INC., to ascertain the applicable terms and conditions, the balance due on said account and whether the Cardmember(s) have made payments on that balance. According to the records maintained by DISCOVER PRODUCTS INC., during the period of time that account statements were generated, such statements were either provided to the Cardmember(s) electronically or mailed to the Cardmember(s) at the address maintained on file during that time period. According to the records maintained by DISCOVER PRODUCTS INC., the last known address associated with the Cardmember(s) is/are: 142 MYRTLE AVE APT 5 STAMFORD, CT 06902-5121 The account is in default because the Cardmember(s) have not paid the amounts due and owing to Discover Bank on the account. The business records maintained by DISCOVER PRODUCTS INC. and described above show that the Cardmember(s)’ account with Discover Bank is governed by terms and conditions referred to as “terms level 25K.” A true and correct copy of these terms and conditions have been provided to DISCOVER PRODUCTS INC.’s counsel in this case. Exhibit A is a true and accurate copy of the last periodic statement sent by DISCOVER PRODUCTS INC. to SHL_SHAH_755146_1.1 vidthe Cardmember(s), retrieved from the record-keeping system described above, and shows the amount that is now due and owing Discover Bank on the account. DISCOVER PRODUCTS INC. has access to a system of records maintained by the United States Department of Defense, which allows DISCOVER PRODUCTS INC. to ascertain whether a particular person is engaged in active duty in any branch of the U.S. military, It is the regular practice of DISCOVER PRODUCTS INC. to query this system with respect to any account holder prior to initiating a collection action against that account holder. DISCOVER PRODUCTS INC. maintains records in the normal course of its business that indicate the results of that query. Based on my review of the account records applicable to Cardmember(s), to the best of my knowledge and belief the above referenced Cardmember(s) is not engaged in any of the military services of the United States. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. / 4 to Cots 2, ex ley Affiant t SUBSCRIBED TO AND SWORN TO before me this 1% day of ‘ » 2019. Sse, Ablgall Patton Notary Public, State of Ohio My Commission Expires May 16, 2023 “ese “Gy "4; SHL_SHAH_755146_1.1 vilVER DISC Discover it? Card Account number ending in 3772 Open Date: May 24, 2017- Close Date: Jun 23, 2017 Cardmember Since 2016 Page 1 of 6 Previous Balance $8,169.90 New Balance $8,206.90 Payments and Credits ; $0.00 Minimum Payment Due * $1,221.06 perenases ' : S00 Poyment Due Date July 18, 2017 jalance Transfers . * Incl st Sf 1056.0 Cash Advances + $0.00 Includes pas! due amount o $1056.06 Fees Charged * $37.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $0.00 date listed above, you may have to pay a late fee of up to $37.00. New Balance $8,206.90 Minimum Payment Warning: If you make only the minimum payment each See Interes! Charge Calculation section following the Transactions section for detailed APR information Credit Line $8,000 Credit Line Available $0 Cash Advance Credit Line $4,000 Cash Advance Credit Line Available $0 You may be able to avoid interest on Purchases. See reverse for details, You are overlimit by $206.90. Paying more than the Minimum Payment Due will reduce your overlimit amount. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION balance. For example: period, you will pay more in interest and if will take you longer to pay off your You will pay off the bolance shown on this AMolarneint ix about... you:make no additional chorges using this cord ond gach month’ you pay. Aad yousledup | porta ‘an estimated total ob. Only the minimum payment 25 years $23,548 If you would like information about credit counseling services, call 1-800-347-1121 REWARDS To learn more, log in at Discover.com Cashback Bonus® Anniversary Month Opening Balance 8 0.00 New Cashback Bonus This Period +$ 0.00 Redeemed This Period :$ 0.00 Cashback Bonus Balance $ 0.00 Make Check payable to Discover, Do Not Send Cash. Please fold on the perforation below, detach and return with your payment. Payment Coupon Please do not fold, clip or staple. Pay Online Discover,com @ Woof tee f detest feel pg tbee eg ert AJOB SHAH se 142 MYRTLE AVE APT 5 STAMFORD CT 06902-5121 Phone and Internet poymonts must be received before midnight ET on your due date fo be credited as of the same day. Address, e-mail or tolophone changed? Nole changes on reverse s @ Pay by Phone Account number ending in 9772 1800:347-3085 Minimum PaymentDue 31,221.06 New Balonce “$8,206.90 Payment Dus Date July 18,2017 Amount enclosed $ _| PO BOX 71084 CHARLOTTE NC 28272-1084 Ug hyetOfoAOD fgg ened gE ANE ATEN fod feof pteAJOB SHAH Account number ending in 3772 Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all iRe ferms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-3085. What To Do if You Think You Find A Mistake On Your Statement: if you think there is an error on your statement, waite fo us at Discaver, PO Box 30421, Sali Lake City, UT 84130-0421, or submit the form provided at htips://discover.com/bvillingerrornotice. You must contact us wilhin 60 days after the error appeared on your statement. You 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 explains your rights. Please see your Cardmember Agreement or visit hitps://discover.com/billingrights for a copy of this Notice, Payments. You may pay all or part of your Account balances al any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your allowable form of payment ('Payment’)_ and the Bottom portion of this slotement in the envelope provided, after affixing postage. Payments sent withoul proper postage will be relurned to the sender, If you pay by check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicaiad on your check or to process the payment os a check iransaction. If a Payment is processed as an electronic lund Wwansfer, the transfer will be for the amount of the check, funds may be wilhdrawn from your account as soon gs the same day we receive your check, and you will not receive your check back. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments, if you send the Payment te any other address, or if you use an envelope other thon the one provided, Payments received al our processing facility by 5PM local lime on any day will be credited to your Account as of that day, Payments received ot our processing locilily after 5PM local time will be credited to your Account as of the nex! day. tf you hove misplaced your envelope, send your Payment to Discover, PO Box 6103, Carol Stream, It 60197-6103, Please ollow 7-10 days for delivery. If your Payment is relurned unpaid, we reserve the right jo resubmit it as on electronic debit. Payments made online or by phone will ba credited as of the day of receipt if mede by Midnight ET on the Payment Due Date or 5PM ET on any other day. You can also make a Payment or set up automatic payments by calling 1-800-347-3085. Automatic payments for the billing periad shown on your statement will be deducted on the Payment Due Dale shown on thal stolement, or the next aulomatic puyment date referred te on your stalement, unless you request a recurring payment dote that occurs before your Payment Due Dole, If your scheduled payment dats falls on a weekend or bark holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order lo schedule monihly payments by telephone, you will need this statement and your bank account information. You will bg asked to provide the lost four (4) digits of the social securily number of the primary borrower as your electronic signature. By providing those numbers, you will be agreeing to this authorization to allow us and your bank to deduci each payment you authorize, in the amount selected by you, from your bank account, You also autharize us to initiate debit or credit éniries to your bank account, us applicable, fo correct an error in the processing of such payment. You can cancél a scheduled poymenl by phone 1 1 800-347-2089 or by mail al Discover, PO Box 20421, Salt Lake Cy, UT 84130-0421, payment cancellations must be received before 5 PM ET of Ihe scheduled withdrawal date. {f your payments may vary in omaunt, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are ovailable in your bank account, and all transactions must comply with U.S, law. CHANGE OF ADDRESS If correct on front, do not use. Please print clearly in blue or black ink, in the space provided. Open Date: May 24, 2017 - Close Date: Jun 23, 2017 Page 2 of 6 You can set automatic payments for: (i) statement New Balance, (il] statement Minimum Payment Due, (ii) statement Misimum Payment Due plus a fixed dollar amount, or (iv) other dollar amount, If your scheduled "Other dollar amount" payment is not enough fo cover the Minimum Payment Due as listed on your monthly billing stalement, your scheduled payment for that month will be increased fo cover the Minimuny Payment Due, If the scheduled payment is grealer than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. If your scheduled payment is greater than the New. Balance on your billing statement, that poyrent will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after he Close Date, IF you enrll by phone in oy avlomotic payment sence, please filln the following blanks below and ratain the avihorization for your records. Amount: L] Full Pay. LE Min Pay, OMin Poy+ 3__. : OOther Amounts } Bank Routing #: ; Bank Account # i Monthly on the {] Payment Due Date oC Day of month (insert date) Credit Reporting. We may. report information aboul your Accouni to credit bureaus. Late payments, missed payments, or other defaults on your Account my 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 helieve that our rapor! is inaccurate or incomplete, please write us at this address; Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number Paying Interest. Your due date is af leust 25 days alter the close of each billing period (at least 23 doys for billing periods that begin in Febsruery), We will not charge you any interest on Purchases if you pay your entise balance by the due date each month, We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account How We Calculate Interest Charges. We Use the Daily Balance Method (including current trensactions} to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-3085. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rote. I! shows this for each transaction category. The Balance Subject to Interest Rates is the average of the daily balances during the billing period, Credit Balances. If your Account has a ¢fedit balance, the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you, You may moke charges agains! this amount if your Accounl is open. We will send you o refund of any remaining balance of $1.00 or more after 6 monihs, or 05 olhorvise required by applicable lav, or upon request mace to the address in the Contact Us section on page 3 of your billing statement Balance Transfers. Balance Transfers are offered at our glscretion and accrue interest at the siandurd purchase rate unless we tell you otherwise. Discover may monitor and/or record telephone calls between you and Discover repiescniolives for qualily assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC, 1723-25 1116 Street Address Home Phone Work Phone | | . | City Email | ~~ - - _ _ | ~ State, Zip To make changes to your address, email or telephone number, visit Discover.com Continued on nex! pageeee