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og 4 PLEAS COOHURT
“ery CO.
5-3 AIG: 59
BELMONT COUNTY COURT OF COMMON PLEAS. 20d
BELMONT COUNTY, OHIO L. FREGIATO
CYNTHIA
CLERK BF COURT
DISCOVER BANK
6500 NEW ALBANY ROAD E
NEW ALBANY, OH 43054
PLAINTIFF CASE NO.: a3cvaoy
vs. COMPLAINT
FREDERICK L VOSTAKEK
John A. Vavra
54550 MAIN ST
BELLAIRE, OH 43906-9426
DEFENDANT
1 Discover Bank is a foreign corporation licensed to do business in the State of Ohio.
2 The Defendant applied for a Credit Card account with the Plaintiff.
3 By use of the account, the Defendant became bound by the terms in the Credit Card
Agreement. Copies of the Statement and Agreement are attached hereto as Exhibits A and B.
4 The Defendant defaulted under the terms of the Agreement. The Plaintiff has exercised
its rights pursuant to the terms of said Agreement to accelerate the time for payment of the entire
balance due and owing by the Defendant to the Plaintiff.
5 The amount due and owing by the Defendant is $15,487.71.
6 Although demand has been made upon the Defendant to liquidate the balance due and
owing, the Defendant failed to do so.
C36 Rev 03/2023
S ,
Wherefore, the Plaintiff prays for judgment against the Defendant in the amount of $15,487.71
together with interest from Date of Judgment at the rate of 5.00% per annum and court costs.
WELTMAN, ERG & REIS CO., L.P.A.
MICI IL KN 2454
ATTORNEY FOR PLAINTIFF
5000 BRADENTON AVE., STE 100
DUBLIN, OH 43017
PHONE: 614-801-2600
FAX: 614-801-2601
EMAIL: DUBATTY@WELTMAN.COM
WWR# 041192939
C36 Rev 03/2023
I
oserven
DISCOVER IT® CARD ENDING IN8111
CARDMEMBER SINCE 2001 DISCOVER
4
Previous Balance $15,659.21 New Balance Minimum Payment Payment Due Date
Payments and Credits -$15,659.21
Purchases +$0.00
50.00 $2,631.50 04/26/2023
Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date
Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00.
Fees Charged +$0.00
Interest Charged +$0.00
oe
New Balance: $0.00
See Interest Charge Calculation
ection followingthe Fees and
Interest Charged section for detaited APR information
Credit Line $16,000
Credit Line Available $0
Cash Advance Credit Line $3,600
Cash Advance Credit Line Available $0
1 Your FICO® Score is unavailable.
Log in at Discover.com/FICO or
contactus at 1-800-347-2683 to learn more.
Notice: See reverse side for important information
i) Ue ACCOUNT NUMBER ENDING IN 8111
Detach at perforation above and return check payable to
Discover. Do not fold, clip, staple or send cash.
New Balance 50.00
Minimum Payment Due $2,631.50
Payment Due Date 04/26/2023
1
I
FREDERICK L VOSTAKEK
54550 MAIN ST
BELLAIRE OH 43906-9426
Es Fora faster, easier
way to pay...
Discover.com \, 1-800-347-2683
See reverse for payment cut off times.
PO BOX 6103
CAROL STREAM IL 60197-6103
New address, email or phone? Please update on reverse.
es EXHIBITA
DISCOVER IT® CARD ENDING IN8111 Page 2 of 4
FREDERICK L VOSTAKEK OPEN TO CLOSE DATE: 03/03/2023 - 03/31/2023
Important information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar
See your Cardmember Agreement. Your Cardmember Agreement contains all the amount, or (iv) other dollar amount. if your scheduled “Other dollar amount*
terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly
billing statement, your scheduled payment for that month will be increased to cover
Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. Ifthe scheduled paymentis greaterthan the Minimum
Payment Due, any excess will be applied in accordance with your Cardmember
‘What To Do If You Think You Find A Mistake On Your Statement: If you think there is Agreement. ‘your scheduled payment is greater than the New Balanceon your billing
an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that paymentwill be processed only for the amount of your New Balance.
84130-0421, or submitthe form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing
You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date.
may call us, but ifyou do we are not required to im igate any potential errors, and
you may have to pay the amountin question. The Billing Rights Notice further ‘fyou enroll by phone in our automatic payment service, please fill-in the following
explains your rights. Please see your Cardmember Agreement or visit blanks below and retain the authorizationfor your records.
https://discover.com/billingrights for a copy of this Notice.
Amount
You may pay all or part of your Account balanceat anytime. However, you
must pay at least the Minimum Payment
Due by the Payment Due Date. Send only Crull Pay. Owin Pay
your allowable
form of payment ("Payment") and the bottom portion of this statement Min Pays Oother Amount $
inthe envelope provided, after affixing postage. Payments sent without proper Bank Routing #.
postage will be returnedto the sender. Ifyou pay by check, you authorizeus to use Bank Account#
information on your check to make an electronic fund transfer from your account at
the financial institution indicated on your check orto process the paymentas a check Monthly on the © Payment Due Date, or O Day of the month (INSERT DATE)
transaction. Ifa Payment is processed as an electronic fund transfer,the transfer witl Credit Reporting. Credit Report We may report information about your Accountto
be for the amount of the check, funds may be withdrawn fromyour account as soon credit bureaus. Late payments, mis sed payments, or other defaultson your Account
as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. We normally report the status and payment
Please do not send cash. Sending cash is not allowed. The processing of your history of your Account to credit reporting agencies each month. Ifyou believe that
allowable form of Payment may be delayed if you send cash or correspondence with ‘our report is inaccurate or incomplete, please write us at this address: Discover, PO
your Payments, if you send the Paymentto any other address, or if you use an Box 30939, Salt Lake City, UT 84130-0939. Please include yourname, address,
envelope other than the one provided, Payments received at our processing facility home telephone number and Account number.
by 5PM local time on any day will be credited to your Account as of that day. ing Interest. Your due date is at least 25 days after the close of each billing period
Payments re at our processing facility after SPM local time will be cre to {at least 23 days for billing periods that begin in February). Wewill begin charging
your Account as of the next day. If you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of the later
of the Transaction
Paymentto Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day
of the billing period in which the transaction posted to your
Time on any day except your Statement Closing
i
days for delivery. If your Payments returned unpaid, we reserve the ri ht to resubmit
it as an electronic debit. Payments made ontine or by phone before Mi idni it Eastern
Date will be credited as of
the same
Account. If you pay the New Balanceon your current billing statement by the Payment
Due Date shown on that billing statement, we will not impose interest charges on
day; on your Statement Closing Date, online and phone payments must be made New Purchases. New Purchases are Purchases that first appear on the next billing
before 5:00 PM Easter Timeto be credited as of that day. statement. Interest will continue to accrue each day on purchases that appeared on
previous billing statements until you pay the New Balance in full and willbe billed in
You can also make a Payment or set up automatic payments by calling 1-800-347- the next billing cycle.
2683. Automatic payments for the billing period shown on your statement will be
deducted on the Payment Due Date shown on that statement, or the next automatic How We Calculate Interest Charges. We Use the Daily Balance Method (including
current transactions) to calculate the Balance Subject to Interest Rate. For more
Payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683.
date that occurs before your Payment Due Date. In orderto schedule monthly
payments
by telephone, you will need this statement
and your bank account Balance SubjectTo Interest Rate. Your statement shows a Balance Subject to Interest
information.You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate
numberof the primary borrower as your electronic signature. By providing those
numbers, you will be agreeingto this authorization to allow us and your bank to
is the average
of the daily balances during the billing period.
deduct each payment you authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amountis shown on the
account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may
as applicable, to correctan errorin the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund
‘or modify a payment from your bank account until5:00 PM Eastern Time on the day of any remaining balance of $1.00 or more after 6 months, or as otherwise required
such payment is scheduled by calling 1-800-347-2683 or by mailat Discover, PO Box by applicable law, yr upon request made to the address in the ContactUs section on
30421, Salt Lake City, UT 84130-0421. Same day online or phone payments from page 3 of your billing statement.
bank account made after 5:00 PM Eastern Time may be modified before Midnight
Eastern Time of that day. Payments from Cashback Bonus cannot be modified or Balance Transfers. Balance Transfersare offered at our discretion and accrue interest
cancelled after being made or scheduled. at the standard purchase rate unless
we tell you otherwise.
Ifyour payments may vary in amount,we will tell you on each monthly billing Discover may monitorand/or record telephone calls between you and Discover
statement when your payment will be made and how much it will be. You must ensure representatives for quality assurance purposes.
that sufficient funds are available in your bank account, and alltransactions must
comply with U.S. law. Send inquiries to Discover, PO Box 30943, Salt Lake City, UT84130
You can set up automatic payments for: () statement New Balance, (i) statement The Discover® card is issued by Discover Bank, Member FDIC.
DIT23-27.0420
Change of Address
If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com.
Street Address Home Phone
Work Phone
city Email
State, Zip
ONLINE PHONE PAYMENTS: Page 3 of 4
G Discover.com or 1-800-347-2683 Discover DISCOVER IT® CARD ENDINGIN8111
download our app TOD 1-800-347-7449 PO Box 6103 OPEN TO CLOSE DATE: 03/03/2023 - 03/31/2023
|
Carol Stream
IL 60197-6103
TRANS. PREVIOUS BALANCE $0.00
DATE PAYMENTS AND CREDITS
AMOUNT EARNED THIS PERIOD +$0.00
03/03 CASHBACK BONUS STATEMENT CREDIT
“$171.50 REDEEMED THIS PERIOD -$0.00
03/31 INTERNAL CHARGE-OFF $15,487.
CASHBACK BONUS BALANCE $0.00
TOTAL FEES FOR THIS PERIOD $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2023 TOTALS YEAR-TO-DATE CHARGED AMOUNT
TOTAL FEES CHARGED IN 2023 $123.00
TOTAL INTEREST CHARGED IN 2023 $833.71
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
CURRENT BILLING PERIOD: 29 DAYS
PROMO BALANCE SUBJECT INTEREST
‘TYPE OF BALANCE ‘APR® APR EXPIRES™ TO INTEREST RATE CHARGE
Purchases 22.49%V N/A $0.00 $0.00
Cash Advances 22.49%V N/A $0.00 $0.00
\V = VARIABLE RATE
Variable APRs will not exceed 29.99%.
* Ifyour account is currently enrolledin a special program or is placed into one during the term
of the offer, you will
receive the benefit
of the lower rate while the special program is in effect. This includes, if applicable, any lower
rates as authorized under the Servicemembers Civil Relief Act.
** This is the date your promotional
rate expires and the remaining balance will be moved to your standard APR
disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR
Expiration Date.
*** For more information, please call us at 1-800-347-2683.
Your Billing Rights: Keep This Document For Future Use
This notice telts you about your rights and our responsibilities under the Fair Credit Billing Act.
if You Fil Mi ke in Your. nt
Ifyou think there is an error on your statement, write to us at:
Discover
P.O. Box 30421
Salt Lake City, UT 84130-0421.
You may also contact us on the Web: https://discover.com/billingerrornotice
In your letter or on the Web, please 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 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.
- By 5:00 P.M. ETon the date an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any
potential errors in writing or electronically. You may call us, but if you do we are not necessarily required to investigate any potential errors and you may have to.
pay the amount in question.
What Will Happen After We Receive Your Letter or Web Submission
When we receive your written or electronic notice, we must do two things:
. Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if we have already corrected the error.
Continued on next page
DISCOVER IT® CARD ENDING IN8111 Page 4 of 4
FREDERICK L VOSTAKEK OPEN TO CLOSE DATE: 03/03/2023 - 03/31/2023
Information For You continued
2. Within 90 days of receiving your notice, we must either correct the error or explain to you whywe believe the bill is correct.
While we investigate whether or not there has been an error:
+ We cannot try to collect the amount in question, orreport you as delinquent on that amount.
- The charge in question may continueto appearon your statement.
+ 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.
After we finish our investigation, one of two things will happen:
+ Ifwe made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
~ we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of
the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
Ifyou receive our explanation but still believe your bill is wrong, you must write to us (or visit https://discover.com/billingerrornotice) within 10 days telling us
that you still refuse to pay. IF you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of
anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
\F we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Ifyou 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.)
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
accountdo not qualify.
\Fall of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at:
Discover
P.O. Box 30945
Salt Lake City, UT 84130-0945
https://discover.com/billingerromotice
Whilewe 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.
Availability of FICO® Credit Score
As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO® Credit Score
include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover
or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a
foreign address. Your FICO® Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity
such as no purchase transactions, fees, interest, or payments for approximately 30 days.
FICO is a registered trademark of Fair saac Corporation in the United States and other countries.
2 ed
NISC VE!
DISCOVER IT® CARD ENDINGINS111
CARDMEMBER SINCE 2001 DISC@VER
eee
Merle UIDP ys EYL PAPLY
Previous Balance $15,351.13 New Balance Minimum Payment* Payment Due Date
Payments and Credits +$0.00
Purchases +$0.00
$15,659.21 $2,493.00 03/28/2023
Balance Transfers +$0.00 * includes past due amount of $2164.00
Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date
Fees Charged +$41.00 listed above, you may have to pay a late fee of up to $41.00.
Interest Charged +$267.08 Minimum Payment Warning: If you make only the minimum payment each period,
you will pay more in interest and it will take longer to pay off your balance. For
New Balance: $15,659.21 example:
See Interest Charge Calculation section followingthe Fees and
Interest Charged section for detailed APR information ‘fyou make no additional You will pay off the ‘And you will end up
charges using this card and balance shown on this paying an estimated
Credit Line $16,000 each month you pay... statement in about... total of...
Credit Line Available $o
Cash Advance Credit Line $3,600
Only the minimum payment 55 years $99,459
Cash Advance Credit Line Available $0 IFyou would like information
about credit counseling services, call us at 1-800-347-1121.
FICO® Score 8 based on TransUnion® data:
a AS OF 02/24/23
Updated Monthly
See Key Factors that help explain your score
at Discover.com or visit our mobile app
Notice: See reverse side for important information
eS AU ee ACCOUNT NUMBER ENDING IN 8111
Detach at perforation above and return with check payable to New Balance $15,659.21
Discover. Do not fold, clip, staple or send cash,
Minimum Payment Due 52,493.00
03/28/2023
a:
Payment Due Date
AML Nffafone tf fotg peg ted pRte foe fa eg Mfgeagteddeg fly aly fg ley
FREDERICK L VOSTAKEK
54550 MAIN ST
BELLAIRE OH 43906-9426
ES For a faster, easier
way to pay...
Discover.com & 1-800-347-2683
See reverse for payment cut off times.
PO BOX 70176
PHILADELPHIA PA 19176-0176
MoAdfoffeNeyefogof
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New address, email or phone? Please update on reverse.
DISCOVER IT® CARD ENDING IN8111. Page 2 of 4
FREDERICK L VOSTAKEK OPEN TO CLOSE DATE: 02/03/2023 - 03/02/2023
Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar
See your Cardmember Agreement. Your Cardmember Agreement containsall the amount,
or (iv) other dollar amount. If your scheduled “Other dollaramount*
terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly
billing statement, your scheduled payment for that month will be increased to cover
Lost or Stolen Cards, Report immediately!
Call 1-800-347-2683. the Minimum Payment Due. if the scheduled payment is greater than the Minimum
Payment Due, any excess will be applied in accordance with your Cardmember
What To Do If You Think You FindA Mistake On Your Statement: If you think there is ‘Agreement. Ifyour scheduled payment is greater than the New Balanceon your billing
an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that payment will be processed only for the amountof your New Balance.
84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing
You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date.
may call us, but ifyou do we are not req to investigateany potential errors, and
you may have to pay the amountin question. The Billing Rights Notice further Ifyou enroll by phonein our automatic payment service, please fil -in the following
explains your rights. Please see ur Cardmember Agreement or visit blanks below and retain the authorization for your records.
https://discover.com/billingrights for a copy of this Notice. Amount
You may pay all or part of your Account balance at any time. However, you Ofull Pay Onin Pay,
must pay at least the Minimum PaymentDue by the Payment Due Date. Send only Owin Pays §, Oother Amount $
your allowable form of payment (“Payment”) and the bottom portion of this statement Bank Routing
inthe envelope provided, after affixing postage. Paymentssent without proper
postage will be returned to the sender. Ifyou pay by check, you authorize us to use jank Account #.
informationon your check to make an electronic fund transfer from your accountat Monthly on the © Payment Due Date, or O. Day of the month (INSERT DATE)
the financial institution indicated on your check or to process the payment as a check
transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to
be forthe amount of the check, funds may be withdrawn from your account as soon
as the same daywe receive your check, and you will not receive your check back. credit bureaus. Late payments, sed payments, or other defaults on your Account
may be reflected in your credit report. We normally report the status and payment
history of your Account to credit reporting agencies each month. Ifyou believe that
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 our report is inaccurate or incomplete, lease write us at this address: Discover, PO
your Payments, ifyou send the Payment to any other address, or ifyou use an Box 30939, Salt Lake City, UT 84130-0939. Please include yourname, address,
home telephone number and Account number.
envelope other than the one provided, Payments received at our processing facility
by 5PM local time on any day will be credited to your Account as of that day. ing Interest. Your due date isat least 25 days after the close of each billing period
Payments received at our processing facility after SPM local time will be cre to {atleast 23 days for billing periods that begin in February). We will begin charging
your Account as of the next day. IF you have misplaced your envelope, send your intereston Cash Advances and Balance Transfers
as of the later
of the Transaction
Paymentto Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your
days for delivery. If your Payment is returned unpaid, we reserve the right to resubmit Account. Ifyou pay the New Balance on your current billing statement by the Payment
itas an electronic debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on
Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchases are Purchases that first appear on the next billing
day; on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on
before 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in
You can also make a Payment or set up automatic payments by calling 1-800-347- the next billing cycle.
2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Daily Balance Method (including
deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate. For more
payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683.
date that occurs before your Payment Due Date. In order to schedule monthly
ayments by telephone, you will need this statement an ir bank account Balance Subject To Interest Rate. Your statement shows a Balance Subject to Interest
hnumber
ni formation. You will be asked to provide the last four (4) dis its of the social security
of the primary borrower as your electronic signature. By providing those
Rate. it shows this for each transaction category. The Balance Subject to Interest Rate
is the average of the daily balances during the billing period.
numbers,
you will be agreeingto this authoriz ionto allow us and your bank to
deduct each paymentyou authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amountis shown on the
account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may
as applicable, to correct an errorin the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund
‘or modify a payment from your bank account unt :00 PM Eastern Timeon the day of any remaining balance of $1.00 or more after6 months, or as otherwise required
such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, PO Box by applicable law, or upon request made to the address in the ContactUs section on
30421, Salt Lake City, UT 84130-0421. Same day onlineo hone payments from
bank account made after 5:00 PM Eastern Time may be mo i ified before Midnight
page 3 of your billing statement.
Eastern Time of that day. Payments from Cashback Bonus cannot be modified or Balance Transfers. Balance Transfers are offered at our discretion and accrue interest
cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise.
IFyour payments may vary in amount,we will tell you on each monthly billing Discover may monitor and/or record telephone calls between you and Discover
‘statement when your payment wi ye made and how much it will be. You must ensure Tepresentatives for quality assurance purposes.
that sufficient funds are available in your bank account, and all transactions must Send inquiriesto Discover, PO Box 30943, Salt Lake City, UT 84130
comply with U.S. law.
You can set up automatic payments for: (i) statement New Balance, (i) statement The Discover® card is issued by Discover Bank, Member FDIC,
DIT23-27.0420
Change of Address
If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com.
Street Address Home Phone
Work Phone
City Email
State, Zip
rs ONLINE PHONE PAYMENTS Page
3 of &
Discover.com or 1-800-347-2683 Discover DISCOVER IT® CARD ENDINGINS111
download our app TDD 1-800-347-7449 PO Box 6103 OPEN TO CLOSE DATE: 02/03/2023 - 03/02/2023
Carol Stream
—— 1L 60197-6103
NO ACTIVITY FOR THIS BILLING PERIOD PREVIOUS BALANCE $0.00
EARNED THIS PERIOD +$0.00
+$0.00
FEES FOR THIS PERIOD AMOUNT CASHBACK BONUS BALANCE $0.00
LATE FEE $41.00
TOTAL FEES FOR THIS PERIOD $41.00
INTEREST CHARGED FOR THIS PERIOD AMOUNT
INTEREST CHARGE ON PURCHASES $247.19
INTEREST CHARGE ON CASH ADVANCES $19.89
INTEREST CHARGE ON BALANCE TRANSFERS $0.00
TOTAL INTEREST FOR THIS PERIOD $267.08
2023 TOTALS YEAR-TO-DATE CHARGED AMOUNT
TOTAL FEES CHARGED IN 2023 $123.00
TOTAL INTEREST CHARGED IN 2023 $833.71
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
CURRENT BILLING PERIOD: 28 DAYS
PROMO BALANCE SUBJECT INTEREST
TYPE OF BALANCE APR’ ‘APR EXPIRES” TO INTEREST RATE CHARGE
Purchases 22.49%V N/A $14,326.81 $247.19
Cash Advances 22.49%V N/A $1,152.71 $19.89
Ve VARIABLE RATE
Variable APRs will not exceed 29.99%.
* if your account is currently enrolled in a special program or is placed into one during the term of the offer, you will
receive the benefit of the lower rate while the special program is ineffect. This includes, if applicable, any lower
rates as authorized under the Servicemembers Civil Relief Act.
** This is the date your promotional
rate expires and the remaining balance will be moved to your standard
APR
disclosed when you accepted the offer. Please note: Changing
your payment due date may change yourPromo APR
Expiration Date.
*** For more information, please call us at 1-800-347-2683.
Your Billing Rights: Keep This Document For Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On
Preview
og 4 PLEAS COOHURT “ery CO. 5-3 AIG: 59 BELMONT COUNTY COURT OF COMMON PLEAS. 20d BELMONT COUNTY, OHIO L. FREGIATO CYNTHIA CLERK BF COURT DISCOVER BANK 6500 NEW ALBANY ROAD E NEW ALBANY, OH 43054 PLAINTIFF CASE NO.: a3cvaoy vs. COMPLAINT FREDERICK L VOSTAKEK John A. Vavra 54550 MAIN ST BELLAIRE, OH 43906-9426 DEFENDANT 1 Discover Bank is a foreign corporation licensed to do business in the State of Ohio. 2 The Defendant applied for a Credit Card account with the Plaintiff. 3 By use of the account, the Defendant became bound by the terms in the Credit Card Agreement. Copies of the Statement and Agreement are attached hereto as Exhibits A and B. 4 The Defendant defaulted under the terms of the Agreement. The Plaintiff has exercised its rights pursuant to the terms of said Agreement to accelerate the time for payment of the entire balance due and owing by the Defendant to the Plaintiff. 5 The amount due and owing by the Defendant is $15,487.71. 6 Although demand has been made upon the Defendant to liquidate the balance due and owing, the Defendant failed to do so. C36 Rev 03/2023 S , Wherefore, the Plaintiff prays for judgment against the Defendant in the amount of $15,487.71 together with interest from Date of Judgment at the rate of 5.00% per annum and court costs. WELTMAN, ERG & REIS CO., L.P.A. MICI IL KN 2454 ATTORNEY FOR PLAINTIFF 5000 BRADENTON AVE., STE 100 DUBLIN, OH 43017 PHONE: 614-801-2600 FAX: 614-801-2601 EMAIL: DUBATTY@WELTMAN.COM WWR# 041192939 C36 Rev 03/2023 I oserven DISCOVER IT® CARD ENDING IN8111 CARDMEMBER SINCE 2001 DISCOVER 4 Previous Balance $15,659.21 New Balance Minimum Payment Payment Due Date Payments and Credits -$15,659.21 Purchases +$0.00 50.00 $2,631.50 04/26/2023 Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00. Fees Charged +$0.00 Interest Charged +$0.00 oe New Balance: $0.00 See Interest Charge Calculation ection followingthe Fees and Interest Charged section for detaited APR information Credit Line $16,000 Credit Line Available $0 Cash Advance Credit Line $3,600 Cash Advance Credit Line Available $0 1 Your FICO® Score is unavailable. Log in at Discover.com/FICO or contactus at 1-800-347-2683 to learn more. Notice: See reverse side for important information i) Ue ACCOUNT NUMBER ENDING IN 8111 Detach at perforation above and return check payable to Discover. Do not fold, clip, staple or send cash. New Balance 50.00 Minimum Payment Due $2,631.50 Payment Due Date 04/26/2023 1 I FREDERICK L VOSTAKEK 54550 MAIN ST BELLAIRE OH 43906-9426 Es Fora faster, easier way to pay... Discover.com \, 1-800-347-2683 See reverse for payment cut off times. PO BOX 6103 CAROL STREAM IL 60197-6103 New address, email or phone? Please update on reverse. es EXHIBITA DISCOVER IT® CARD ENDING IN8111 Page 2 of 4 FREDERICK L VOSTAKEK OPEN TO CLOSE DATE: 03/03/2023 - 03/31/2023 Important information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar See your Cardmember Agreement. Your Cardmember Agreement contains all the amount, or (iv) other dollar amount. if your scheduled “Other dollar amount* terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due. Ifthe scheduled paymentis greaterthan the Minimum Payment Due, any excess will be applied in accordance with your Cardmember ‘What To Do If You Think You Find A Mistake On Your Statement: If you think there is Agreement. ‘your scheduled payment is greater than the New Balanceon your billing an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that paymentwill be processed only for the amount of your New Balance. 84130-0421, or submitthe form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date. may call us, but ifyou do we are not required to im igate any potential errors, and you may have to pay the amountin question. The Billing Rights Notice further ‘fyou enroll by phone in our automatic payment service, please fill-in the following explains your rights. Please see your Cardmember Agreement or visit blanks below and retain the authorizationfor your records. https://discover.com/billingrights for a copy of this Notice. Amount You may pay all or part of your Account balanceat anytime. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only Crull Pay. Owin Pay your allowable form of payment ("Payment") and the bottom portion of this statement Min Pays Oother Amount $ inthe envelope provided, after affixing postage. Payments sent without proper Bank Routing #. postage will be returnedto the sender. Ifyou pay by check, you authorizeus to use Bank Account# information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check orto process the paymentas a check Monthly on the © Payment Due Date, or O Day of the month (INSERT DATE) transaction. Ifa Payment is processed as an electronic fund transfer,the transfer witl Credit Reporting. Credit Report We may report information about your Accountto be for the amount of the check, funds may be withdrawn fromyour account as soon credit bureaus. Late payments, mis sed payments, or other defaultson your Account as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. We normally report the status and payment Please do not send cash. Sending cash is not allowed. The processing of your history of your Account to credit reporting agencies each month. Ifyou believe that allowable form of Payment may be delayed if you send cash or correspondence with ‘our report is inaccurate or incomplete, please write us at this address: Discover, PO your Payments, if you send the Paymentto any other address, or if you use an Box 30939, Salt Lake City, UT 84130-0939. Please include yourname, address, envelope other than the one provided, Payments received at our processing facility home telephone number and Account number. by 5PM local time on any day will be credited to your Account as of that day. ing Interest. Your due date is at least 25 days after the close of each billing period Payments re at our processing facility after SPM local time will be cre to {at least 23 days for billing periods that begin in February). Wewill begin charging your Account as of the next day. If you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of the later of the Transaction Paymentto Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your Time on any day except your Statement Closing i days for delivery. If your Payments returned unpaid, we reserve the ri ht to resubmit it as an electronic debit. Payments made ontine or by phone before Mi idni it Eastern Date will be credited as of the same Account. If you pay the New Balanceon your current billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on day; on your Statement Closing Date, online and phone payments must be made New Purchases. New Purchases are Purchases that first appear on the next billing before 5:00 PM Easter Timeto be credited as of that day. statement. Interest will continue to accrue each day on purchases that appeared on previous billing statements until you pay the New Balance in full and willbe billed in You can also make a Payment or set up automatic payments by calling 1-800-347- the next billing cycle. 2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more Payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683. date that occurs before your Payment Due Date. In orderto schedule monthly payments by telephone, you will need this statement and your bank account Balance SubjectTo Interest Rate. Your statement shows a Balance Subject to Interest information.You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate numberof the primary borrower as your electronic signature. By providing those numbers, you will be agreeingto this authorization to allow us and your bank to is the average of the daily balances during the billing period. deduct each payment you authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amountis shown on the account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may as applicable, to correctan errorin the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund ‘or modify a payment from your bank account until5:00 PM Eastern Time on the day of any remaining balance of $1.00 or more after 6 months, or as otherwise required such payment is scheduled by calling 1-800-347-2683 or by mailat Discover, PO Box by applicable law, yr upon request made to the address in the ContactUs section on 30421, Salt Lake City, UT 84130-0421. Same day online or phone payments from page 3 of your billing statement. bank account made after 5:00 PM Eastern Time may be modified before Midnight Eastern Time of that day. Payments from Cashback Bonus cannot be modified or Balance Transfers. Balance Transfersare offered at our discretion and accrue interest cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise. Ifyour payments may vary in amount,we will tell you on each monthly billing Discover may monitorand/or record telephone calls between you and Discover statement when your payment will be made and how much it will be. You must ensure representatives for quality assurance purposes. that sufficient funds are available in your bank account, and alltransactions must comply with U.S. law. Send inquiries to Discover, PO Box 30943, Salt Lake City, UT84130 You can set up automatic payments for: () statement New Balance, (i) statement The Discover® card is issued by Discover Bank, Member FDIC. DIT23-27.0420 Change of Address If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com. Street Address Home Phone Work Phone city Email State, Zip ONLINE PHONE PAYMENTS: Page 3 of 4 G Discover.com or 1-800-347-2683 Discover DISCOVER IT® CARD ENDINGIN8111 download our app TOD 1-800-347-7449 PO Box 6103 OPEN TO CLOSE DATE: 03/03/2023 - 03/31/2023 | Carol Stream IL 60197-6103 TRANS. PREVIOUS BALANCE $0.00 DATE PAYMENTS AND CREDITS AMOUNT EARNED THIS PERIOD +$0.00 03/03 CASHBACK BONUS STATEMENT CREDIT “$171.50 REDEEMED THIS PERIOD -$0.00 03/31 INTERNAL CHARGE-OFF $15,487. CASHBACK BONUS BALANCE $0.00 TOTAL FEES FOR THIS PERIOD $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2023 TOTALS YEAR-TO-DATE CHARGED AMOUNT TOTAL FEES CHARGED IN 2023 $123.00 TOTAL INTEREST CHARGED IN 2023 $833.71 Your Annual Percentage Rate (APR) is the annual interest rate on your account. CURRENT BILLING PERIOD: 29 DAYS PROMO BALANCE SUBJECT INTEREST ‘TYPE OF BALANCE ‘APR® APR EXPIRES™ TO INTEREST RATE CHARGE Purchases 22.49%V N/A $0.00 $0.00 Cash Advances 22.49%V N/A $0.00 $0.00 \V = VARIABLE RATE Variable APRs will not exceed 29.99%. * Ifyour account is currently enrolledin a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is in effect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act. ** This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. *** For more information, please call us at 1-800-347-2683. Your Billing Rights: Keep This Document For Future Use This notice telts you about your rights and our responsibilities under the Fair Credit Billing Act. if You Fil Mi ke in Your. nt Ifyou think there is an error on your statement, write to us at: Discover P.O. Box 30421 Salt Lake City, UT 84130-0421. You may also contact us on the Web: https://discover.com/billingerrornotice In your letter or on the Web, please 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 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. - By 5:00 P.M. ETon the date an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not necessarily required to investigate any potential errors and you may have to. pay the amount in question. What Will Happen After We Receive Your Letter or Web Submission When we receive your written or electronic notice, we must do two things: . Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if we have already corrected the error. Continued on next page DISCOVER IT® CARD ENDING IN8111 Page 4 of 4 FREDERICK L VOSTAKEK OPEN TO CLOSE DATE: 03/03/2023 - 03/31/2023 Information For You continued 2. Within 90 days of receiving your notice, we must either correct the error or explain to you whywe believe the bill is correct. While we investigate whether or not there has been an error: + We cannot try to collect the amount in question, orreport you as delinquent on that amount. - The charge in question may continueto appearon your statement. + 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. After we finish our investigation, one of two things will happen: + Ifwe made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. ~ we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. Ifyou receive our explanation but still believe your bill is wrong, you must write to us (or visit https://discover.com/billingerrornotice) within 10 days telling us that you still refuse to pay. IF you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. \F we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Ifyou 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.) 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 accountdo not qualify. \Fall of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: Discover P.O. Box 30945 Salt Lake City, UT 84130-0945 https://discover.com/billingerromotice Whilewe 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. Availability of FICO® Credit Score As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. Reasons why you may not see your FICO® Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address change that has not been updated with Discover or TransUnion; if your credit history is too new; if your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO® Score is disclosed on statements when your statement is available. You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. FICO is a registered trademark of Fair saac Corporation in the United States and other countries. 2 ed NISC VE! DISCOVER IT® CARD ENDINGINS111 CARDMEMBER SINCE 2001 DISC@VER eee Merle UIDP ys EYL PAPLY Previous Balance $15,351.13 New Balance Minimum Payment* Payment Due Date Payments and Credits +$0.00 Purchases +$0.00 $15,659.21 $2,493.00 03/28/2023 Balance Transfers +$0.00 * includes past due amount of $2164.00 Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date Fees Charged +$41.00 listed above, you may have to pay a late fee of up to $41.00. Interest Charged +$267.08 Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take longer to pay off your balance. For New Balance: $15,659.21 example: See Interest Charge Calculation section followingthe Fees and Interest Charged section for detailed APR information ‘fyou make no additional You will pay off the ‘And you will end up charges using this card and balance shown on this paying an estimated Credit Line $16,000 each month you pay... statement in about... total of... Credit Line Available $o Cash Advance Credit Line $3,600 Only the minimum payment 55 years $99,459 Cash Advance Credit Line Available $0 IFyou would like information about credit counseling services, call us at 1-800-347-1121. FICO® Score 8 based on TransUnion® data: a AS OF 02/24/23 Updated Monthly See Key Factors that help explain your score at Discover.com or visit our mobile app Notice: See reverse side for important information eS AU ee ACCOUNT NUMBER ENDING IN 8111 Detach at perforation above and return with check payable to New Balance $15,659.21 Discover. Do not fold, clip, staple or send cash, Minimum Payment Due 52,493.00 03/28/2023 a: Payment Due Date AML Nffafone tf fotg peg ted pRte foe fa eg Mfgeagteddeg fly aly fg ley FREDERICK L VOSTAKEK 54550 MAIN ST BELLAIRE OH 43906-9426 ES For a faster, easier way to pay... Discover.com & 1-800-347-2683 See reverse for payment cut off times. PO BOX 70176 PHILADELPHIA PA 19176-0176 MoAdfoffeNeyefogof 0 gegen adap Hayy New address, email or phone? Please update on reverse. DISCOVER IT® CARD ENDING IN8111. Page 2 of 4 FREDERICK L VOSTAKEK OPEN TO CLOSE DATE: 02/03/2023 - 03/02/2023 Important Information Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar See your Cardmember Agreement. Your Cardmember Agreement containsall the amount, or (iv) other dollar amount. If your scheduled “Other dollaramount* terms of your Account. payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover Lost or Stolen Cards, Report immediately! Call 1-800-347-2683. the Minimum Payment Due. if the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember What To Do If You Think You FindA Mistake On Your Statement: If you think there is ‘Agreement. Ifyour scheduled payment is greater than the New Balanceon your billing an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that payment will be processed only for the amountof your New Balance. 84130-0421, or submit the form provided at https://discover.com/billingerrornotice. Your automatic payment amount may be less than the amount indicated on the billing You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date. may call us, but ifyou do we are not req to investigateany potential errors, and you may have to pay the amountin question. The Billing Rights Notice further Ifyou enroll by phonein our automatic payment service, please fil -in the following explains your rights. Please see ur Cardmember Agreement or visit blanks below and retain the authorization for your records. https://discover.com/billingrights for a copy of this Notice. Amount You may pay all or part of your Account balance at any time. However, you Ofull Pay Onin Pay, must pay at least the Minimum PaymentDue by the Payment Due Date. Send only Owin Pays §, Oother Amount $ your allowable form of payment (“Payment”) and the bottom portion of this statement Bank Routing inthe envelope provided, after affixing postage. Paymentssent without proper postage will be returned to the sender. Ifyou pay by check, you authorize us to use jank Account #. informationon your check to make an electronic fund transfer from your accountat Monthly on the © Payment Due Date, or O. Day of the month (INSERT DATE) the financial institution indicated on your check or to process the payment as a check transaction. If a Payment is processed as an electronic fund transfer, the transfer will Credit Reporting. Credit Reporting. We may report information about your Account to be forthe amount of the check, funds may be withdrawn from your account as soon as the same daywe receive your check, and you will not receive your check back. credit bureaus. Late payments, sed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. Ifyou believe that 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 our report is inaccurate or incomplete, lease write us at this address: Discover, PO your Payments, ifyou send the Payment to any other address, or ifyou use an Box 30939, Salt Lake City, UT 84130-0939. Please include yourname, address, home telephone number and Account number. envelope other than the one provided, Payments received at our processing facility by 5PM local time on any day will be credited to your Account as of that day. ing Interest. Your due date isat least 25 days after the close of each billing period Payments received at our processing facility after SPM local time will be cre to {atleast 23 days for billing periods that begin in February). We will begin charging your Account as of the next day. IF you have misplaced your envelope, send your intereston Cash Advances and Balance Transfers as of the later of the Transaction Paymentto Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your days for delivery. If your Payment is returned unpaid, we reserve the right to resubmit Account. Ifyou pay the New Balance on your current billing statement by the Payment itas an electronic debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on Time on any day except your Statement Closing Date will be credited as of the same New Purchases. New Purchases are Purchases that first appear on the next billing day; on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on before 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in You can also make a Payment or set up automatic payments by calling 1-800-347- the next billing cycle. 2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Daily Balance Method (including deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate. For more payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683. date that occurs before your Payment Due Date. In order to schedule monthly ayments by telephone, you will need this statement an ir bank account Balance Subject To Interest Rate. Your statement shows a Balance Subject to Interest hnumber ni formation. You will be asked to provide the last four (4) dis its of the social security of the primary borrower as your electronic signature. By providing those Rate. it shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. numbers, you will be agreeingto this authoriz ionto allow us and your bank to deduct each paymentyou authorize, in the amount selected by you, from your bank Credit Balances. If your Account has a credit balance, the amountis shown on the account. You also authorize us to initiate debit or credit entries to your bank account, front of your billing statement. A credit balance is money that is owed to you. You may as applicable, to correct an errorin the processing of such payment. You can cancel make charges against this amount if your Account is open. We will send you a refund ‘or modify a payment from your bank account unt :00 PM Eastern Timeon the day of any remaining balance of $1.00 or more after6 months, or as otherwise required such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, PO Box by applicable law, or upon request made to the address in the ContactUs section on 30421, Salt Lake City, UT 84130-0421. Same day onlineo hone payments from bank account made after 5:00 PM Eastern Time may be mo i ified before Midnight page 3 of your billing statement. Eastern Time of that day. Payments from Cashback Bonus cannot be modified or Balance Transfers. Balance Transfers are offered at our discretion and accrue interest cancelled after being made or scheduled. at the standard purchase rate unless we tell you otherwise. IFyour payments may vary in amount,we will tell you on each monthly billing Discover may monitor and/or record telephone calls between you and Discover ‘statement when your payment wi ye made and how much it will be. You must ensure Tepresentatives for quality assurance purposes. that sufficient funds are available in your bank account, and all transactions must Send inquiriesto Discover, PO Box 30943, Salt Lake City, UT 84130 comply with U.S. law. You can set up automatic payments for: (i) statement New Balance, (i) statement The Discover® card is issued by Discover Bank, Member FDIC, DIT23-27.0420 Change of Address If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly in blue or black ink, in the space provided or visit Discover.com. Street Address Home Phone Work Phone City Email State, Zip rs ONLINE PHONE PAYMENTS Page 3 of & Discover.com or 1-800-347-2683 Discover DISCOVER IT® CARD ENDINGINS111 download our app TDD 1-800-347-7449 PO Box 6103 OPEN TO CLOSE DATE: 02/03/2023 - 03/02/2023 Carol Stream —— 1L 60197-6103 NO ACTIVITY FOR THIS BILLING PERIOD PREVIOUS BALANCE $0.00 EARNED THIS PERIOD +$0.00 +$0.00 FEES FOR THIS PERIOD AMOUNT CASHBACK BONUS BALANCE $0.00 LATE FEE $41.00 TOTAL FEES FOR THIS PERIOD $41.00 INTEREST CHARGED FOR THIS PERIOD AMOUNT INTEREST CHARGE ON PURCHASES $247.19 INTEREST CHARGE ON CASH ADVANCES $19.89 INTEREST CHARGE ON BALANCE TRANSFERS $0.00 TOTAL INTEREST FOR THIS PERIOD $267.08 2023 TOTALS YEAR-TO-DATE CHARGED AMOUNT TOTAL FEES CHARGED IN 2023 $123.00 TOTAL INTEREST CHARGED IN 2023 $833.71 Your Annual Percentage Rate (APR) is the annual interest rate on your account. CURRENT BILLING PERIOD: 28 DAYS PROMO BALANCE SUBJECT INTEREST TYPE OF BALANCE APR’ ‘APR EXPIRES” TO INTEREST RATE CHARGE Purchases 22.49%V N/A $14,326.81 $247.19 Cash Advances 22.49%V N/A $1,152.71 $19.89 Ve VARIABLE RATE Variable APRs will not exceed 29.99%. * if your account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the benefit of the lower rate while the special program is ineffect. This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act. ** This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change yourPromo APR Expiration Date. *** For more information, please call us at 1-800-347-2683. Your Billing Rights: Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On