FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
` SUPREME COURT OF THE STATE OF NEW YORK Index No.
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 10/03/2023
` COUNTY OF WYOMING Date Filed: ________________
` ----------------------------------------
` CAPITAL ONE, N.A. SUCCESSOR BY
` MERGER TO CAPITAL ONE BANK (USA),
` N.A.
` SUMMONS (ORIGINAL)
` Plaintiff
` -against-
`
`INDEX NO. 9001735
`
` DAVID WOOLLEY The basis of venue is:
`
` DEFENDANT'S RESIDENCE
`
` Defendant(s) Plaintiff's Residence:
` ---------------------------------------- 1680 CAPITAL ONE DRIVE
` MCLEAN, VA 22102
` CONSUMER CREDIT TRANSACTION County of FAIRFAX
`
` To the above named defendant(s):
`
` YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve
` a copy of your answer, or, if the complaint is not served with this summons
` to serve a notice of appearance, on the Plaintiff's Attorney(s) within
` TWENTY days after the service of this summons, exclusive of the day of
` service (or within THIRTY days after the service is complete if this
` summons is not personally delivered to you within the State of New York);
` and in case of your failure to appear or answer, judgment will be taken
` against you by default for the relief demanded herein.
`
` Dated: Islandia, New York
` OCTOBER 3, 2023 RUBIN & ROTHMAN, LLC
` Attorneys for Plaintiff
` 1787 Veterans Highway
` Islandia, N.Y. 11749
` (631) 234-1500
`
` DEFENDANT(S) ADDRESS:
`
` DAVID WOOLLEY
` 4713 POPLAR TREE RD GAINESVILLE, NY 14066-9720
`
` WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
` USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
` NYC DCA LIC. 2110651
` Our File No 1520677 Y 103 0- 0 V SZM 000
`
`000006665557
`1 of 10
`
`

`

`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
` SUPREME COURT OF THE STATE OF NEW YORK
`NYSCEF DOC. NO. 1
` COUNTY OF WYOMING Index No.
` ----------------------------------------
` CAPITAL ONE, N.A. SUCCESSOR BY
` MERGER TO CAPITAL ONE BANK (USA),
` N.A.
`
`INDEX NO. 9001735
`
`RECEIVED NYSCEF: 10/03/2023
`
` Plaintiff
` -against- COMPLAINT (ORIGINAL)
` DAVID WOOLLEY
`
` Defendant(s)
` ----------------------------------------
` Plaintiff, by its attorneys, complaining of the defendant(s), alleges:
`
` AS AND FOR A FIRST CAUSE OF ACTION
`
` 1. Defendant(s) resides in the county in which this action is brought;
` or transacted business in the county in which this action is brought
` in person or through an agent, or this cause of action arose out of
` said transaction. Plaintiff is not required to be licensed by the
` NYC Dept of Consumer Affairs because it is not a Debt Collection
` Agency as defined by NYC Adm. Code Section 20-489(a).
` 2. Plaintiff is a national banking association.
`
` 3. Defendant(s) used a revolving credit account with Plaintiff and
` agreed to make payments for goods and services charged, balance
` transfers, and/or cash advances made upon such card.
`
` 4. Defendant(s) later defaulted on the terms of the agreement.
`
` 5. The last payment in good and collectable funds was received
` on or about 6/28/22 in the amount of $ 1,632.00.
`
` 6. The last four digits of the account number printed on the most recent
` monthly statement recording a purchase transaction, last payment or
` balance transfer are 6732
`
` 7. The account balance printed on the most recent monthly statement
` recording a purchase transaction, last payment or balance transfer is
` $ 6,347.36.
`
` 8. The plaintiff is the entity that owned the consumer credit account at
` the date of default giving rise to the cause of action and is the
` original creditor as defined by CPLR 105(q-1).
`
`2 of 10
`
`

`

`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 9001735
`
`RECEIVED NYSCEF: 10/03/2023
`
` 9. Defendant(s) failed to make the payments due pursuant to the credit
` account and $ 7,512.13 is now due and owing to plaintiff from
` defendant. This amount includes a charge-off balance of $ 7,512.13,
` post charge-off interest of $ .00, post charge-off non-interest
` charges or fees and/or other balance adjustments of $ .00,
` less post charge-off payments, balance adjustments and/or credits made
` on the debt of $ .00 .
`
` 10. A copy of the charge-off statement issued for the account at issue
` is attached hereto.
`
` WHEREFORE, plaintiff requests judgment against defendant(s) in the sum of
` $ 7,512.13 and the costs and disbursements of this action.
` Plaintiff waives any contractual attorney's fees that may be due
` from Defendant(s).
`
` RUBIN & ROTHMAN, LLC
` OCTOBER 3, 2023 Attorneys for Plaintiff
` 1787 Veterans Highway
` Islandia, NY 11749
` (631) 234-1500
` Deponent is an attorney associated with Rubin & Rothman, LLC. To the best
` of deponent's knowledge, information and belief, formed after an inquiry
` reasonable under the circumstances, the summons and complaint or the
` contentions therein are not frivolous as defined in section 130-1.1(c)
` of the Rules of the Chief Adm. and the matter was not obtained through
` illegal conduct or in violation of 22 NYCRR 1200, Rule 4.5.
`
` Dated: OCTOBER 3, 2023 ______________________
` SUBY MATHEW
`
` WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE
` USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
` NYC DCA LIC. 2110651
`
` Our File No 1520677 X 105 0- 0 V SZM 000 OUR FILE NO 1520677 X 105 0- 0 V SZM 000
`
`000006665557000006665557
`
`3 of 10
`
`

`

`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
` SUPREME COURT OF THE STATE OF NEW YORK Index No.
`NYSCEF DOC. NO. 1
` COUNTY OF WYOMING
` ----------------------------------------
` CAPITAL ONE, N.A. SUCCESSOR BY
` MERGER TO CAPITAL ONE BANK (USA),
` N.A.
`
` NON MILITARY
` AFFIRMATION
` Plaintiff
` -against-
`
` DAVID WOOLLEY
`
`INDEX NO. 9001735
`
`RECEIVED NYSCEF: 10/03/2023
`
` Defendant(s)
` ----------------------------------------
` The undersigned, an attorney admitted to practice in the State of
` New York, associated with the attorneys for plaintiff, affirms the
` following to be true under penalties of perjury:
`
` NON - MILITARY
`
` 1. This affirmation is made to determine the defendant's military
` status before bringing suit.
`
` 2. On 10/03/2023, an electronic request was made by this firm to a
` website maintained by the Department of Defense Manpower Data Center
` requesting the defendant's military status. The request included the said
` defendant's social security number or date of birth. This information
` was provided to plaintiff's attorney by the plaintiff.
`
` 3. The attached military status report was printed from the web-
` site on the said date and indicates that the said defendant is not
` currently on active duty.
`
` Dated: OCTOBER 3, 2023 ______________________
` SUBY MATHEW
`
`4 of 10
`
`

`

`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
`NYSCEF DOC. NO. 1
`of Defense
`Manpower
`Center
`Department
`Data
`
`INDEX NO. 9001735
`
`RECEIVED NYSCEF: 10/03/2023
`Resultsasof : Oct-03-202305:51:35AM
`
`SCRA5.18
`
`Status
`
`Report
`
`Pttrsuant
`
`to Servicememben
`
`Civil
`
`Relief
`
`Act
`
`.....
`
`SSN:
`
`Birth
`
`Date:
`
`Last
`
`First
`
`Name:
`
`Name:
`
`Middle
`
`Name:
`
`xxx-xx-xxxx
`
`xxx-xx-xxxx
`WOOLLEY
`
`DAVID
`
`Status
`
`As Of:
`
`Oct-03-2023
`
`Certificate
`
`ID:
`
`9BBBM9FYGBN0384
`
`Active0_tyStartDate
`NA
`
`OnActiveDutyon ActiveDutystatusDate
`Activeputy EndDate
`Stat_$
`No
`NA
`ThisresponsereflectstheIndividuals'actjvedutystatusbasedontheActive0_ty StatusDate
`
`ServiceComponent
`NA
`
`ActiveDuty8tartDate
`NA
`
`LeftActiveDutyWithin367DaysofActiveDutyStatusDate
`Status
`ActiveDutyEndDate
`NA
`No
`Thisresponsereflectswheretheindividualleftactivedutystatuswithin367daysprecedingtheActiveDutyStatusDate
`
`ServiceComponent
`NA
`
`OrderNottficationstart Date
`NA
`
`TheMornberor His/Herrnit WasNottfiedofa FutureCallarpto ActiveputyonActiveputyStatuspate
`OrderNotstcationEndDate
`status
`NA
`No
`ThisresponsereflectswhethertheIndividualor his/herunithasreceivedearlynoti0cationto reportforactiveduty
`
`servicecomponent
`NA
`
`Upon searching the data banks of the Depadment of Defense Manpower Data Center, based on the information 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, Space Force, NOAA, Public
`Health, and Coast Guard). This status includes information on a Servicemember
`or his/her unit receiving notification of future orders to repod for Active Duty.
`
`Sam Yousefzadeh, Director
`Depadment of Defense - Manpower Data Center
`4800 Mark Center Drive, Suite 04E25
`Alexandria, VA 22350
`
`5 of 10
`
`

`

`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
`RECEIVED NYSCEF: 10/03/2023
`NYSCEF DOC. NO. 1
`is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility
`The Defense Manpower Data Center
`(DMDC)
`Repoding System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems.
`
`INDEX NO. 9001735
`
`(formerly known as
`The DoD strongly suppods the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended)
`(SCRA)
`the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that
`the
`is currently on active duty"
`In the event
`the individual
`responses, and has experienced only a small error rate.
`referenced above, or any family
`individual
`friend, or representative
`asseds in any manner
`that
`the individual was on active duty for the active duty status date, or is otherwise entitled to the
`member,
`protections of the SCRA, you are strongly encouraged to obtain fudher verification of the person's status by contacting that person's Service. Service contact
`If you have evidence the person
`information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs.
`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. § 3921(c).
`
`left Active
`the individual
`(1) The individual's Active Duty status on the Active Duty Status Date (2) Whether
`This response reflects the following information:
`the individual or his/her unit received early notification to repod for active
`Duty status within 367 days preceding the Active Duty Status Date (3) Whether
`duty on the Active Duty Status Date.
`
`Status"
`
`on
`information
`"Active
`More
`Duty
`Active duty status as repoded in this cedificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less
`than 30 consecutive days in length were available.
`this includes service under a call to active service
`In the case of a member of the National Guard,
`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 suppoded by Federal
`funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the
`unit they suppod. 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).
`
`the SCRA is Broader
`in Some
`Under
`Cases
`Coverage
`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
`repoded as on Active Duty under this cedificate.
`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
`cedification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service.
`some protections of the SCRA may extend to persons who have received orders to repod for active duty or to be inducted, but who have not
`Fudhermore,
`actually begun active duty or actually repoded for induction. The Last Date on Active Duty entry is impodant because a number of protections of the SCRA
`extend beyond the last dates of active duty.
`
`Those who could rely on this cedificate are urged to seek qualified legal counsel
`are protected
`
`to ensure that all rights guaranteed to Service members under the SCRA
`
`WARNING:
`erroneous
`
`This cedificate was provided based on a last name, SSN/date of bidh, and active duty status date provided by the requester. Providing
`information will cause an erroneous cedificate to be provided.
`
`6 of 10
`
`

`

`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
`NYSCEF DOC. NO. 1
`QUICKSILVER
`
`ONE
`
`INDEX NO. 9001735
`Page 1 of 2
`RECEIVED NYSCEF: 10/03/2023
`in 6732
`Card I World Mastercard
`QuicksilverOne
`ending
`Jan 19, 2023 - Feb 15, 2023
`I 28 days in Billing Cycle
`
`Payment Due Date
`SPAT DUE
`New Balance
`
`For online and phone payments,
`deadline is 8pm ET.
`
`the
`
`Minimum Payment Due
`
`Previous Balance
`
`Payments
`
`Other Credits
`
`$7,356.84
`
`$0.00
`
`$0.00
`
`$7,512.13
`$7,512.13
`..............................................................................................................................................
`IMPORTANT: Your account has charged off and is now serviced by the
`Recoveries department at 1-800-258-9319.
`Your full balance is due. Any
`payment you make will
`reduce your balance and help pay off your debt
`faster. The amount you owe may differ
`if you've entered into a separate
`payment agreement.
`
`...........................................................................................................................................
`Cash Advances
`+ $0.00
`----------------------------
`------------------------
`Fees Charged
`+ $0.00
`
`Interest Charged
`
`New Balance
`
`Available Credit
`
`(as of Feb 15, 2023)
`
`+ $155.29
`
`= $7,512.13
`
`N/A
`
`Notifications
`Account
`the New York State Department of Financial Services to obtain a comparative listing of credit card rates,
`New York residents may contact
`periods. Contact
`the New York State Department of Financial Services: 1-877-226-5697
`or www.dfs.ny.gov.
`
`fees, and grace
`
`Pay or manage your account at capitalone.com
`
`Customer Service: 1-800-227-4825
`
`See reverse for Important
`
`Information
`
`Capi
`
`DAVID WOOLLEY
`4713 POPLAR TREE RD
`GAINESVILLE, NY 14066-9720
`I'l'
`II'
`I
`I
`I
`I
`I
`
`I
`
`'ll'
`
`I
`
`I
`
`"I"
`
`Payment Due Date: Past Due
`
`Account
`
`ending
`
`in 6732
`
`New Balance
`$7,512.13
`
`Minimum
`$7,512.13
`
`$
`Pleasesendusthis portionof yourstatementandonlyonecheck(oronemoneyorder)payableto CapitalOne
`to ensureyourpaymentis processedpromptly.Allowat leastsevenbusinessdaysfor delivery.
`
`Payment Due
`
`Amount
`
`Enclosed
`
`Capital One
`
`St eam L 60197-4069
`I
`I
`I
`I
`
`'ll
`
`""
`
`III
`
`I
`
`I
`
`I
`
`'I
`
`"
`
`"I
`
`7 of 10
`
`6732
`
`15
`
`7512131632000000005
`
`

`

`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
`NYSCEF DOC. NO. 1
`RECEIVED NYSCEF: 10/03/2023
`Howcan I Avoid Paying InterestCharges?If you payyourNewBalancein full bytheduedate
`Howdo you ProcessPayments?Whenyoumakea payment,youauthorizeusto initiatean
`each month,wewill notchargeintereston newtransactionsthat postto the purchasebalance.If
`ACH or electronicpaymentthat will be debted from your bank accountor other related
`youhavebeenpayinginfullwithout interestCharges,butfailto payyournextNewBalanceinfull,
`account.Whenyouprovidea checkor checkinformationto makea payment,youauthorizeus
`we will chargeintereston the unpaidbalance.InterestChargeson CashAdvancesand Special
`to use informationfromthe checkto makea one-timeACHor otherelectronictransferfrom
`Transfersstartonthetransactiondate.Promotionaloffersmayallowyouto paylessthanthetotal
`yourbankaccount.Wemayalsoprocessit as a checktransaction.Fundsmaybewithdrawn
`NewBalanceand avoidpayingintereston newtransactionsthat postto yourpurchasebalance.
`fromyourbankaccountassoonasthesamedaywe processyourpayment.
`Seethefrontofyourstatementfor additionalinformation.
`
`INDEX NO. 9001735
`001
`
`How do you Apply My Payment?We generallyapply paymentsup to your Minimum
`Paymentfirst to the balancewiththe lowestAPR(including0%APR),andthento balances
`with higherAPRs.Weapplyany partof yourpaymentexceedingyourMinimumPaymentto
`the balancewiththe highestAPR,andthento balanceswithlowerAPRs.
`
`How is the Interest Charge Determined? Interest Chargesaccrue from the date of the
`transaction,datethetransactionis processedor thefirst dayof the BillingCycle.Interestaccrues
`dailyoneveryunpaidamountuntilit is paidin full. Interestaccruedduringa BillingCyclepoststo
`youraccountat the end of the Billingcycleand appearson your nextstatement.You mayowe
`InterestChargesevenif you paythe entireNewBalanceone month,but did notdo so the prior
`Billing RightsSummary(DoesnotApplyto SmallBusinessAccounts)
`month.OnceyoustartaccruingInterestCharges,yougenerallymustpayyourNewBalanceinfull WhatTo Do If You Think You Find A MistakeOn Your Statement:If youthinkthereis an
`two consecutiveBilling Cycles beforeInterestChargesstop being postedto your Statement.
`erroronyourstatement,writeto usat:
`InterestChargesareaddedtothecorrespondingsegmentof youraccount.
`P.O.Box30285,SaltLakeCity,UT84130-0285.
`Do you assess a Minimum Interest Charge? We may assessa minimumInterestChargeof
`$0.00for eachBillingCycleifyouraccountis subjectto anInterestCharge.
`How do you Calculatethe Interest Charge?We use a methodcalledAverageDailyBalance
`(includingnewtransactions).
`
`1.First,for eachsegmentwetakethe beginningbalanceeachdayandaddin newtransactionsand
`the periodicInterestChargeon the previousday'sbalance.Thenwe subtractany paymentsand
`creditsforthatsegmentasofthatday.Theresultisthedailybalanceforeachsegment.However,if
`yourpreviousstatementbalancewaszeroor a creditamount,newtransactionswhichpostto your
`purchasesegmentarenotaddedto thedailybalance.
`
`2. Next,foreachsegment,weaddthedailybalancestogetheranddividethesumbythe numberof
`daysinthe BillingCycle.TheresultistheAverageDailyBalancefor eachsegment.
`
`3. At the endof eachBillingCycle,we multiplyyourAverageDailyBalancefor eachsegmentby
`thedailyperiodicrate(APRdividedby365)forthatsegment,andthenwemukiplytheresultbythe
`numberof daysin the BillingCycle.We addthe InterestChargesfor all segmentstogether.The
`resultisyourtotalInterestChargefortheBillingCycle.
`TheAverageDailyBalanceis referredto as the BalanceSubjectto InterestRatein the Interest
`ChargeCalculationsectionofthisStatement.
`
`NOTE:Dueto roundingor a minimumInterestCharge,this calculationmayvaryslightlyfromthe
`InterestChargeactuallyassessed.
`
`Howcan I Avoid MembershipFees?If a RenewalNoticeis printedonthis statement,you may
`avoidpayingan annualmembershipFee by contactingCustomerServiceno laterthan45 days
`afterthe last day in the BillingCyclecoveredby this statementto requestthat we close your
`account.To avoid payinga monthlymembershipFee, close your accountand we will stop
`assessingyourmonthlymembershipFee·
`How can I Close My Account? You can contactCustomerServiceanytimeto requestthat we
`closeyouraccount.
`
`Inyourletter,giveusthefollowinginformation:
`" Accountinformation:Yournameandaccountnumber.
`" Dollaramount:Thedollaramountofthesuspectederror.
`" Descriptionof Problem:If youthinkthereis anerroronyourbill,describewhatyoubelieveis
`wrongandwhyyoubelieveit is a mistake.Youmustcontactuswithin60daysaftertheerror
`appearedonyourstatement.Youmustnoffy usofanypotentialerrorsinwriting.Youmaycall
`us or notiy us electronically,but if you do we are not requiredto investigateany potential
`errorsandyoumayhaveto paytheamountin question.Wewill notly youinwritingwithin30
`daysof ourreceiptofyourletter.Whilewe investigatewhetheror nottherehasbeenanerror,
`thefollowingaretrue:
`" Wecannottryto collecttheamountin question,or reportyouas delinquentonthatamount.
`Thechargein questionmayremainon yourstatement,andwe maycontinueto chargeyou
`interestonthatamount.But,if wedeterminethatwe madea mistake,youwill nothaveto pay
`theamountinquestionor anyinterestor otherfeesrelatedto thatamount.
`" Whileyou do nothaveto paythe amountin questionuntilwe sendyoua noticeaboutthe
`outcomeof ourinvestigation,youareresponsibleforthe remainderof yourbalance.
`" Wecan applyany unpaidamountagainstyourcreditlimk.Within90 daysof our receiptof
`yourletter,we will sendyou a writtennoticeexplainingeitherthatwe correctedthe error(to
`appearonyournextstatement)orthe reasonswe believethe billis correct.
`
`Your Rights If You Are DissatisfiedWith Your Purchase:If you are dissatisfiedwiththe
`goodsor servicesthatyou havepurchasedwithyourcreditcard,andyou havetriedin good
`faithto correcttheproblemwiththemerchant,youmayhavetherightnotto paytheremaining
`amountdueonthe purchase.To usethisright,thefollowingmustbetrue:
`1) You must have used your credit card for the purchase.Purchasesmadewith cash
`advancesfromanATMorwitha checkthataccessesyourcreditcardaccountdo notqualify;
`and
`2) Youmustnotyethavefullypaidforthe purchase.
`If all ofthecriteriaabovearemetandyouarestill dissatisfiedwiththepurchase,contactus in
`writingat: P.O.Box30285,Salt LakeCity,UT 84130-0285.Whilewe investigate,the same
`rulesapplyto the disputedamountas discussedabove.Afterwe finishour investigation,we
`willtell youourdecision.At thatpoint,if wethinkyouoweanamountandyoudo notpaywe
`mayreportyouasdelinquent.
`© 2020CapitalOne.CapitalOneis a federallyregisteredservicemark
`
`ETC-0810/01/2020
`
`Pay online at capitalone.com
`
`* *-
`
`.
`
`Pay using the Capital One mobile app
`
`How do I Make Payments? You may makeyour paymentin severalways:
`
`1.
`2.
`3.
`
`4.
`
`OnlineBankingby logginginto your account;
`CapitalOne MobileBankingapp for approvedelectronicdevices;
`Callingthe telephonenumberlistedon the front of this statementand providingthe
`requiredpaymentinformation;
`Sendingmail paymentsto the addresson the front of this statementwith the
`paymentcouponor youraccountinformation.
`
`Customer Service 1-800-227-4825
`
`When will you Credit My Payment?
`
`Changing
`
`your mailing
`
`address?
`
`You can changeyour addressby signinginto your accountonlineor by calling
`CustomerService.
`
`Any written requeston thisformwill not be honored.
`
`"
`
`"
`
`For mobile,onlineor overthe phone,as of the businessday we reSive it, as long
`as it is made by 8 p.m. ET.
`For mail,as of the businessdaywe receiveit, as longas it is reSived by 5 p.m.
`at our processingcenter.You mustsendthe bottomportionof this
`laaltime
`statementand your checkto the paymentaddresson thefront of this statement.
`Pleaseallowat leastseven(7) businessdaysfor maildelivery.Mailedpayments
`receivedby us at any other locationor paymentsin any otherform may not be
`creditedas of the day we receivethem.
`
`8 of 10
`
`.
`
`

`

`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
`NYSCEF DOC. NO. 1
`QUICKSILVER
`.
`
`ONE
`
`INDEX NO. 9001735
`Page 2 of 2
`RECEIVED NYSCEF: 10/03/2023
`in 6732
`Card I World Mastercard
`QuicksilverOne
`ending
`Jan 19, 2023 - Feb 15, 2023
`I 28 days in Billing Cycle
`
`DAVID WOOLLEY #6732:
`
`Payments, Credits
`
`and Adjustments
`
`Amount
`Description
`Post Date
`Trans Date
`............................................................................................................................................................................................................................................................................................
`
`DAVID WOOLLEY #6732:
`
`Transactions
`
`Trans Date
`
`Post Date
`
`Description
`
`Amount
`
`......................................................................................................................................................................................................................................................................................................
`Trans Date
`Post Date
`Description
`Amount
`
`Total Fees for This Period
`
`Interest Charge on Purchases
`
`$0.00
`
`$155.29
`
`$0.00
`Interest Charge on Cash Advances
`.............................................................................................................................................................................................................................................................................................
`Interest Charge on Other Balances
`$0.00
`
`Total
`
`Interest
`
`for This Period
`
`Total Fees charged
`
`Total
`
`Interest
`
`charged
`
`$155.29
`
`$0.00
`
`$323.48
`
`Your Annual Percentage Rate (APR)is the annual
`
`interest rate on your account.
`
`Type of Balance
`
`Purchases
`
`Cash Advances
`
`Annual Percentage Rate (APR)
`
`Balance Subject
`
`to Interest Rate
`
`Interest Charged
`
`27.24% P
`
`27.24% P
`
`$7,431.44
`
`$0.00
`
`$155.29
`
`$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
`How do we calculate your APR(s)?
`APR(s)
`
`When your APR(s) will change
`
`P
`L
`
`D
`F
`
`Prime Rate + margin
`3 month LIBOR + margin
`
`Prime Rate + margin
`1 month LIBOR + margin
`
`The first day of the Billing Cycles that end in Jan., April, July and Oct.
`
`The first day of each Billing Cycle
`
`9 of 10
`
`

`

`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
`FILED: WYOMING COUNTY CLERK 10/03/2023 01:49 PM
`NYSCEF DOC. NO. 1
`NYSCEF DOC. NO.
`1
`
`INDEX NO. 9001735
`INDEX NO. 9001735
`RECEIVED NYSCEF: 10/03/2023
`RECEIVED NYSCEF: 10/03/2023
`
`10 of 10
`10 of 10
`
`.
`
`