AFFIDAVIT OF CLAIM
`AND CERTIFICATION OF AMOUNT DUE
`
`ss:
`
`))
`
`)
`
`STATE OF MISSOURI
`
`COUNTY OF ST. LOUIS
`
`ACCOUNT HOLDER(S): KEVIN M KELMAN
`ACCOUNT NUMBER:
`3238
`
`The undersignec.VaLC4c
`follows:
`
`QLkSc* , being duly sworn, states and deposes as
`
`1.
`
`2.
`
`3.
`
`4.
`
`1 am an authorized agent of U.S. BANK NATIONAL ASSOCIATION d/b/a ELAN
`FINANCIAL SERVICES, a national banking association organized under the laws
`of the United States (hereinafter the “Bank”) with a place of business at 9321 Olive
`Blvd., St. Louis, MO 63132,
`I am duly authorized by the Bank to make the
`statements and representations herein.
`
`In my position, I am familiar with the business operations and practices of the Bank,
`particularly with respect to the computerized and hard copy business records
`relating to the credit card accounts issued by the Bank, including the records of
`accounts and the applicable agreements discussed herein.
`I have personal
`knowledge of the business records and practices of the Bank to confirm the
`transmittal of account agreements, notices, billing statements, and other documents.
`In my day to day responsibilities I have access to the account records created and
`maintained by the Bank.
`
`The billing statements and other documents referred to herein were created at or
`near either the time of the transactions/occurrence or the time the original
`statements were made and have been kept by the Bank in the ordinary course of
`business.
`In my experience, the systems used by the Bank to create and maintain
`data for and to produce billing statements and other documents are reliable and kept
`in a good state of repair, and the Bank’s procedures for inserting transaction and
`other data into the systems have built-in safeguards to ensure accuracy and identify
`errors.
`
`the Credit Card Account
`That
`is governed by a written agreement
`(the
`“Agreement”) setting forth the terms and conditions of an account; when an account
`is opened, the Agreement is provided to the Account Holder. The Agreement
`provides that use of the Credit Card or the Credit Card Account constitutes
`acceptance of the Agreement and that the Bank may change the Agreement during
`the life of the Credit Card Account.
`
`Cardholder affidavit general 4.19.17 final
`
`

`

`5.
`
`6.
`
`7.
`
`8.
`
`9.
`
`10.
`
`11.
`
`12.
`
`13.
`
`14.
`
`15.
`
`16.
`
`That the Bank sends or otherwise makes available monthly billing statements to
`Account Holders who carry a balance or are otherwise required to receive a monthly
`billing statement.
`
`That the Bank is the creditor of the above referenced Account and holds the right
`to enforce the terms of the Agreement.
`
`That the above referenced Account was opened on or about 07/24/21 by KEVIN M
`KELMAN.
`
`It is the Bank’s standard procedure to provide a copy of the Account Agreement to
`Account Holder when the Bank opened the Account.
`In the ordinary course of
`business, copies of each of the Agreements or notifications of changes were made
`available to Defendant as they were periodically revised or updated.
`
`That pursuant to the terms and conditions of the Account, KEVIN M KELMAN
`obtained extensions of credit by using the Account for purchases of goods and/or
`services and/or cash advances.
`
`That the Bank’s records reflect that it provided monthly billing statements to
`Account Holder.
`
`That the Bank’s records do not reflect the Account Holder ever asserting a valid
`unresolved objection to the balance shown as due and owing on the monthly
`statements provided to the Account Holder.
`
`That at the time the Bank charged off the Account on or about 09/30/22 the
`balance showing on the books and records of the Bank was $6,715.29. After the
`Bank charged off the Account, there have been no additional payments or
`financial adjustments since the last statement and the balance as of the date of this
`affidavit is $6,715.29.
`
`That pursuant to the books and records of the Bank, there are no uncredited
`payments or offsets attributable to the Account and the amount shown as due and
`owing is just, true and correct.
`
`Attached hereto as Exhibit 1 are true and correct copies of statement(s) from the
`Account Holder’s Account reflecting account activity. The entries on these
`records were made at or near the time of the transactions reflected on the records
`and were made in the regular course of business of the Bank. Attached hereto as
`Exhibit 2 is a true and correct copy of the applicable Agreement for the account.
`
`The information set
`forth herein is
`true and correct
`to the best of the
`undersigned’s knowledge, information and belief and, if called as a witness,
`I
`could competently testify thereto.
`
`I declare under the penalty of perjury under the laws of the forum state that the
`foregoing is true and correct to the best of my knowledge, information and belief.
`
`FURTHER AFFIANT SAYETH NOT.
`
`

`

`U.S. BANK NATIONAL ASSOCIATION
`INANCIAL
`d/b/a E
`RVICES
`
`By
`
`Name:
`
`Subscribed a
`
`day of /l4rC.44
`svc1rn to before me this
`, 2023 by
`44L’ts as
`an Authorized Agent of U.S. BANK NATIONAL
`ASSOCIATION d/b/a ELAN FINANCIAL SERVICES.
`
`Notary Public
`
`(Notary Seal)
`
`ETHAN LEMBKE
`Notary Public - Notary Seal
`Jefferson County- State of Missouri
`Commission Number 22959605
`My Commission Expires F’eb 23, 2026
`
`

`

`EXHIBIT 1
`
`EXHIBIT 1
`
`ICR
`
`

`

`LTBERTV
`
`BANK
`
`September 2022 Statement
`Open Date: 08/18/2022 Closing Date: 09/19/2022
`
`Visa® Platinum Card
`KEVIN M KELMAN
`
`New Balance
`
`$671 529
`
`0”
`
`L,W FyUUtIL
`
`ty yvüi
`minimum payment by the date hsted above you may have
`to pay up to a $41 00 Late Fee
`
`flJI
`
`Minimum Payment Warning: If you make only the minimum
`payment each period, you will pay more in interest and it will
`take you longer to pay off your balance. For example:
`
`If you make no
`additional charges
`using this card and
`each month you
`pay...
`Only the minimum
`payment
`$247
`
`You will pay off
`the balance shown
`on this statement
`in about...
`
`12 years
`
`3 years
`
`And you will
`end up paying
`an estimated
`total of...
`
`$14,018
`
`$8,906
`(Savings=$5, 112)
`
`If you would like information about credit counseling services,
`call 866-951-1391.
`
`Account:
`
`Page 1 of 2
`3238
`
`Cardmember Service
`BNK 10 ELN
`8
`
`Il
`
`1-800-558-3424
`11
`
`+
`
`=
`
`Activity Summary
`Previous Balance
`Payments
`Other Credits
`Purchases
`Balance Transfers
`Advances
`Other Debits
`Fees Charged
`Interest Charged
`New Balance
`Past Due
`Minimum Payment Due
`Credit Line
`Available Credit
`Days in Billing Period
`
`$6715.29
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$6,715.29
`$693.00
`$761.00
`$6,500.00
`None
`33
`
`Payment Options:
`
`Mail payment coupon
`with a check
`
`Pay online at
`myaccountaccess.com
`
`Pay by phone
`1-800-555-3424
`
`CI
`
`Please detach and send coupon with check payable to: Cardmember Ser4ce
`
`LTBERTY
`BANK
`
`24-Hour Cardmember Service: 1-800-558-3424
`
`• to pay by phone
`• to change your address
`
`000008243 01 SP
`
`000638320600703 P Y
`
`KEVIN M KELMAN
`302 MEYERS DR
`ROCKY HILL CT 06067-2655
`•lIi’l’iliiiiliiil’Ill’I’’’Ili’’l’’liIIIilIi’ii.ii’iIIl’l’ill’i’i
`
`Account Number
`Payment Due Date
`New Balance
`Minimum Payment Due
`
`Amount Enclosed
`
`3238
`10/15/2022
`$6,715.29
`$761.00
`
`Cardmember Service
`P.O. Box 790408
`St. Louis, MO 63179-0408
`1111111111111111111111111111111111.IIIlIIlIIlIItlIIIlIIIIlIIlIIII
`
`

`

`What To Do If You Think You Find A Mistake On Your Statement
`If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at:
`Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335.
`In your letter or call, give us the following information:
`fr Account information: Your name and account number.
`Dollar amount: The dollar amount of the suspected error.
`Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
`You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error,
`the following are true:
`We cannot try to collect 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 to charge you interest on that amount. But, if we determine
`that we made a mistake, you will not have to pay 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, you are responsible for the remainder of your balance.
`We can apply any unpaid amount against your credit limit.
`Your Rights If You Are Dissatisfied With Your Credit Card Purchases
`If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the
`problem with the merchant, you may have the right not to pay the remaining amount clue on the purchase.
`To use this right, all of the following must be true:
`1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must
`have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we
`own the company that sold you the goods or services.)
`2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
`your credit card account do not qualify.
`3. You must not yet have fully paid for the purchase.
`If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box
`6335, Fargo, ND 58125-6335. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
`investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.
`Important Information Regarding Your Account
`1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the
`INTEREST CHARGE by multiplying the applicable Daily Periodic Rate (“DPR”) by the Average Daily Balance (“ADB) (including new
`transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest
`from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in
`each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the
`billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but
`unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or
`credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for
`those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances
`and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid
`Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but
`unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they
`are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the
`date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your
`Account that accrues interest and will reduce the amount of credit available to you. To the extent credit insurance charges, overlimit fees,
`Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB
`calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees
`and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that
`have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation.
`2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located
`in the United States. We will also accept payment in U.S. Dollars via the Internet or phone or previously established automatic payment
`transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. However, you will be charged and
`agree to pay any collection fees required in connection with such a transaction. The date you mail a payment is different than the date we
`receive that payment. The payment date is the day we receive your check or money order at Cardmember Service, P.O. Box 790408, St.
`Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order accompanied by a
`payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on
`any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within
`5 banking days of receipt and credited to your Account on the day of receipt. In addition, if you mail your payment without a payment coupon
`or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST CHARGES, fees, and possible suspension
`of your Account. Internet and telephone payment options are available, and crediting times vary (but generally must be made before 5:00 p.m.
`If you are making an internet or telephone payment, please contact
`CT to 8 p.m. CT depending on what day and how the payment is made).
`Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar days except Saturday,
`Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the day
`of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date.
`3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on
`your Account may be reflected in your credit report.
`
`

`

`LTBERTY
`BANK
`
`September 2022 Statement
`KEVIN M KELMAN
`
`08/18/2022 - 09/19/2022
`
`Cardmember Service
`
`Page 2 of 2
`1-800-558-3424
`
`C
`
`Important Messages
`
`Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your
`previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to
`avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the
`Payment Due Date shown on the front of your monthly Account statement.
`There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers
`except as provided in any Offer Materials. Those transactions are subject to interest from the date they post
`to the Account until the date they are paid in full.
`If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may
`submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your
`name, address, phone number, account number, the specific information you are disputing, the explanation
`of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to:
`Elan Financial Services
`Consumer Recovery Department
`Attn: CBR Disputes
`P.O. Box 108
`St Louis, MO 63166-0108
`Your account is seriously past due. We have very attractive settlement and reduced interest/payment
`programs. We urge you to call us at 1-877-838-4346.
`
`2022 Totals Year-to-Date
`Total Fees Charged in 2022
`Total Interest Charged in 2022
`
`$284.00
`$0.00
`
`Interest Charge Calculation
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`**APR for current and future transactions.
`
`Balance Type
`
`**BALANCE TRANSFER
`**PURCHASES
`**ADVANCES
`
`Contact Us
`
`Phone
`
`Balance
`By Type
`
`$0.00
`$6,715.29
`$0.00
`
`Balance
`Subject to
`Interest Rate
`
`$0.00
`$6,715.29
`$0.00
`
`Variable
`
`YES
`
`Interest
`Charge
`
`$0.00
`$0.00
`$0.00
`
`Annual
`Percentage
`Rate
`
`Expires
`with
`Statement
`
`0.00%
`0.00%
`28.24%
`
`03/2023
`
`Questions
`
`MaU payment coupon
`
`Online
`
`Voice:
`TDD:
`Fax:
`
`1-800-558-3424
`1-888-352-6455
`1-866-616-1750
`
`Cardmember Service
`P.O. Box 6354
`Fargo, ND 58125-6354
`
`Cardmember Service
`P.O. Box 790408
`St. Louis, MO 63179-0408
`
`myaccountaccess.com
`
`End of Statement
`
`

`

`LJBERTV
`
`BANK
`
`August 2022 Statement
`Open Date: 07/19/2022 Closing Date: 08/17/2022
`
`Visa© Platinum Card
`KEVIN M KELMAN
`
`Account:
`
`Page 1 of 2
`3238
`
`Cardmember Service
`8
`ELN
`5NK 10
`
`1-800-558-3424
`11
`
`new aiance
`.$693OO
`Minimum PaymentDue
`. 0911512022
`Payment Due Date
`Late Payment WarnJng:Tf we do not recetv your
`minimum payment by the date Listed ebove you may have
`to pay up to a $41.00 Lte Fe.
`
`.
`
`..
`
`.
`
`+
`
`+
`
`=
`
`Activity Summary
`
`Previous Balance
`Payments
`Other Credits
`Purchases
`Balance Transfers
`Advances
`Other Debits
`Fees Charged
`Interest Charged
`
`New Balance
`Past Due
`Minimum Payment Due
`Credit Line
`Available Credit
`Days in Billing Period
`
`$6,674.29
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$41.00
`$0.00
`$6,715.29
`$585.00
`$693.00
`$6,500.00
`None
`30
`
`Minimum Payment Warning: If you make only the minimum
`payment each period, you will pay more in interest and it will
`take you longer to pay off your balance. For example:
`And you will
`You will pay off
`If you make no
`the balance shown
`end up paying
`additional charges
`an estimated
`on this statement
`using this card and
`total of...
`in about...
`each month you
`pay...
`Only the minimum
`payment
`$245
`
`$14,027
`
`$8,826
`(Savings$5,2O1)
`
`12 years
`
`3 years
`
`If you would like information about credit counseling services,
`call 866-951-1391.
`
`Payment Options:
`
`Mail payment coupon
`with a check
`
`Pay online at
`myaccountaccess.com
`
`(1
`
`Pay by phone
`1-800-558-3424
`
`Please detach and send coupon with check payable to: Cardmember Service
`
`LTBERTY
`BANK
`
`24-Hour Cardmember Service: 1-800-558-3424
`
`• to pay by phone
`• to change your address
`
`000008238 01 SP
`
`000638290275921 P Y
`
`KEVIN M KELMAN
`302 MEYERS DR
`ROCKY HILL CT 06067-2655
`I.tIiIIIiIIIIilII,ii,,IllIII..IliaiiII.elti.IIIIIIl..iii.iIiliIII
`
`Account Number
`Payment Due Date
`New Balance
`Minimum Payment Due
`
`Amount Enclosed
`
`3238
`9/15/2022
`$6,715.29
`$693.00
`
`Cardmember Service
`P.O. Box 790408
`St. Louis, MO 63179-0408
`tiiiiiitIlilIIIiiIIiiiIiiIiiiIIIIIiIiiiiIIIIiIti.Iiiiiiiiiliilili
`
`

`

`What To Do If You Think You Find A Mistake On Your Statement
`If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at:
`Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335.
`In your letter or call, give us the following information:
`‘ Account information: Your name and account number.
`Dollar amount: The dollar amount of the suspected error.
`Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
`You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error,
`the following are true:
`We cannot try to collect 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 to charge you interest on that amount. But, if we determine
`that we made a mistake, you will not have to pay 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, you are responsible for the remainder of your balance.
`We can apply any unpaid amount against your credit limit.
`Your Rights If You Are Dissatisfied With Your Credit Card Purchases
`If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the
`problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
`To use this right, all of the following must be true:
`1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must
`have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we
`own the company that sold you the goods or services.)
`2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
`your credit card account do not qualify.
`3. You must not yet have fully paid for the purchase.
`If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box
`6335, Fargo, ND 58125-6335. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
`investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.
`Important Information Regarding Your Account
`1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the
`INTEREST CHARGE by multiplying the applicable Daily Periodic Rate (“DPR”) by the Average Daily Balance (“ADB”) (including new
`transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest
`from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in
`each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the
`billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but
`unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or
`credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for
`those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances
`and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid
`Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but
`unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they
`are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the
`date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your
`Account that accrues interest and will reduce the amount of credit available to you. To the extent credit insurance charges, overlimit fees,
`Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB
`calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees
`and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that
`have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation.
`2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located
`in the United States. We will also accept payment in U.S. Dollars via the Internet or phone or previously established automatic payment
`transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. However, you will be charged and
`agree to pay any collection fees required in connection with such a transaction. The date you mail a payment is different than the date we
`receive that payment. The payment date is the day we receive your check or money order at Cardmember Service, P.O. Box 790408, St.
`Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order accompanied by a
`payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on
`any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within
`5 banking days of receipt and credited to your Account on the day of receipt. In addition, if you mail your payment without a payment coupon
`or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST CHARGES, fees, and possible suspension
`of your Account. Internet and telephone payment options are available, and crediting times vary (but generally must be made before 5:00 p.m.
`CT to 8 p.m. CT depending on what day and how the payment is made).
`If you are making an internet or telephone payment, please contact
`Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar days except Saturday,
`Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the day
`of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date.
`3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on
`your Account may be reflected in your credit report.
`
`

`

`LTBERTY
`BANK
`
`August 2022 Statement
`KEVIN M KELMAN
`
`07/19/2022 - 08/17/2022
`
`Cardmember Service
`
`Page 2 of 2
`1-800-558-3424
`
`.
`
`.
`
`:
`
`:.
`
`•.
`
`:::
`
`::.
`
`:
`
`.:
`
`:
`
`imptant• M.ess..ge.S.
`Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your
`previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to
`avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the
`Payment Due Date shown on the front of your monthly Account statement.
`There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers
`except as provided in any Offer Materials. Those transactions are subject to interest from the date they post
`to the Account until the date they are paid in full.
`If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may
`submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your
`name, address, phone number, account number, the specific information you are disputing, the explanation
`of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to:
`Elan Financial Services
`Consumer Recovery Department
`Attn: CBR Disputes
`P.O. Box 108
`St Louis, MO 63166-0108
`Your account is seriously past due. We have very attractive settlement and reduced interest/payment
`programs. We urge you to call us at 1-877-838-4346.
`
`Fees
`
`Post
`Date
`
`Trans
`Date
`
`08/15
`
`08/15
`
`Ref#
`
`Transaction Description
`
`LATE FEE - PAYMENT DUE ON 08/15
`TOTAL FEES THIS PERIOD
`
`Amount
`
`$41.00
`$41.00
`
`Total Fees Charged in 2022
`Total Interest Charged in 2022
`
`$284.00
`$0.00
`
`Interest Charge Calculation
`
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`**APR for current and future transactions.
`
`Balance Type
`
`**BALANCE TRANSFER
`**PURCHASES
`**ADVANCES
`
`Balance
`By Type
`
`$0.00
`$6,715.29
`$0.00
`
`Balance
`Subject to
`Interest Rate
`
`$0.00
`$6,678.39
`$0.00
`
`Variable
`
`YES
`
`Interest
`Charge
`
`$0.00
`$0.00
`$0.00
`
`Annual
`Percentage
`Rate
`
`Expires
`with
`Statement
`
`0.00%
`0.00%
`28.24%
`
`03/2023
`
`End of Statement
`
`

`

`k4
`
`LT BERTY
`BAN K
`
`July 2022 Statement
`Open Date: 06/17/2022 Closing Date: 07/18/2022
`
`Visa® Platinum Card
`KEVIN M KELMAN
`New Balance
`$6674 29
`Minimum Payment Due
`$585 00
`0811512022
`Payment Due Date
`Late Payment WarnIng If we do not receive your
`minimum payment by the date listed above you may have
`topayuptoa $41 DO Late Fee
`
`Minimum Payment Warning: If you make only the minimum
`payment each period, you will pay more in interest and it will
`take you longer to pay off your balance. For example:
`
`If you make no
`additional charges
`using this card and
`each month you
`pay...
`Only the minimum
`payment
`$239
`
`You will pay off
`the balance shown
`on this statement
`in about...
`
`12 years
`
`3 years
`
`And you will
`end up paying
`an estimated
`total of...
`
`$13,761
`
`$8,624
`(Savings=$5, 137)
`
`If you would like information about credit counseling services,
`call 866-951-1391.
`
`Account:
`
`Page 1 of 2
`3238
`
`Cardmember Service
`BNK 10 ELN
`8
`
`‘I
`‘I
`
`1 -800-558-3424
`11
`
`+
`
`+
`
`=
`
`Activity Summary
`Previous Balance
`Payments
`Other Credits
`Purchases
`Balance Transfers
`Advances
`Other Debits
`Fees Charged
`Interest Charged
`
`New Balance
`Past Due
`Minimum Payment Due
`Credit Line
`Available Credit
`Days in Billinq Period
`
`$6,633.29
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$41.00
`$0.00
`$6,674.29
`$477.00
`$585.00
`$6,500.00
`None
`32
`
`Payment Options:
`
`F Mail payment coupon
`
`with a check
`
`Pay online at
`myaccountaccess.com
`
`Pay by phone
`1-800-558-3424
`
`Please detach and send coupon with check payable to: Cardmember Service
`
`LTBERTV
`BANK
`
`24-Hour Cardmember Service: 1-800-558-3424
`
`• to pay by phone
`• to change your address
`
`00000812801 SP
`
`000638255728894 P Y
`
`KEVIN M KELMAN
`302 MEYERS DR
`ROCKY HiLL CT 06067-2655
`lIIIIlIIlII.IIII,I.IIIIIIIlIllIIIIIIIIIlIlIlIeII.IlIIIIII.IIIIIII
`
`Account Number
`Payment Due Date
`New Balance
`Minimum Payment Due
`
`Amount Enclosed
`
`3238
`8/15/2022
`$6,674.29
`$585.00
`
`Cardmember Service
`P.O. Box 790408
`St. Louis, MO 63179-0408
`iiI1i1IiuIIuIilIIuI1ihI111iiIilllIiuIIIIIluilIiifhuIIiliuiIIi
`
`

`

`What To Do If You Think You Find A Mistake On Your Statement
`If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at:
`Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335.
`In your letter or call, give us the following information:
`Account information: Your name and account number.
`Dollar amount: The dollar amount of the suspected error.
`. Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
`You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error,
`the following are true:
`We cannot try to collect 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 to charge you interest on that amount. But, if we determine
`that we made a mistake, you will not have to pay 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, you are responsible for the remainder of your balance.
`We can apply any unpaid amount against your credit limit.
`Your Rights If You Are Dissatisfied With Your Credit Card Purchases
`If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the
`problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
`To use this right, all of the following must be true:
`I - The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must
`have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we
`own the company that sold you the goods or services.)
`2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
`your credit card account do not qualify.
`3. You must not yet have fully paid for the purchase.
`If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Car