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HomeMy WebLinkAbout15-0283 Supreme Couvt-,of;P�enns3rlYania �v«;ltx 30403258 C A Pit SJS Co u of Common Pleas - 4 Civ C-oVerSh�eet FRTProthonotaiy Use Qn(r: CUMBERLANI „ ',; `, Collrif<' DocketN rr qq . The information collected on this forma is used soleh,for court administration ptuposes. This Jori does not suppleraaent or replace the filing asad service of pleadiiags or other•paper s as required bi-1aiv or rales of court. Commencement of Action: a Complaint ❑ Writ of Summons ❑ Petition STransfer from Another Jurisdiction Declaration of Taking DISCOVER BANK C Lead Plaintiff's Name: Lead Defendant's Name: T JEFFREY WILSON I C Are money damages requested? ® Yes ❑ No Dollar Amount Requested: ❑ within arbitration limits N (check one) E3outside arbitration limits Is this a Class Action Suit? ❑ Yes Q No Is this an MDJ Appeal? ❑ Yes W No A Name of Plaintiff/Appellant's Attorney: V et ynei,S C oto-, 79 �J ❑ Check here if you have no attorney(are a Self-Represented [Pro Sel Litigant) Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE.If you are making more than one type of claim,check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Protection Administrative Agencies ❑ Malicious Prosecution Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal:Other E ❑ Product Liability(does not include (3 Employment Dispute Mass tort) Discrimination C ❑ Slander/Libel/Defamation ❑ Employment Dispute: Other ❑ Zoning Board 'I' ❑ Other: ❑ Other: I ❑ Other: O N MASS TORT ❑ Asbestos — B ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort-DES ❑ Ejectment ❑ Common Law/Statutory Arbitration ❑ Toxic Tort-Implant ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Toxic Waste ❑ Ground Rent ❑ Mandamus ❑ Other: ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ❑ Mortgage Foreclosure:Residential Retraining Order ❑ Mortgage Foreclosure:Commercial ❑ Quo Waranto -- — ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: i Updated 1/1/2011 L.,,j ! t L IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: e2.01s— VS . COMPLAINT IN CIVIL ACTION JEFFREY WILSON Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James P. Valecko, 79596 WELTMAN, WEINBERG & REIS CO. , L.P.A. 436 7th Ave Ste 2500 Pittsburgh PA 15219-1842 (412) 434-7955 FAX: 412-434-7959 30403258 C A Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No JEFFREY WILSON Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff . You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720 . 2 . DB Servicing Corporation is the servicing affiliate for Discover Bank, f/k/a Greenwood Trust Company, an FDIC-insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, collection of delinquent accounts and other support services . The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank' s behalf . 3 . At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant ' s account, which is the subject of this litigation. 4 . Defendant is an adult individual (s) residing at 150 FROST RD GARDNERS, PA 17324 5 . Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX2581 . 6 . Defendant made use of said credit card and has a current balance due of $9423 . 81. A copy of Plaintiff ' s Statement is attached hereto, marked as Exhibit "1" . 7 . Defendant is in default by failing to make monthly payments when due . As such, the entire balance is immediately due and payable to Plaintiff . 8 . Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, JEFFREY WILSON, individually, in the amount of $9423 .81 and costs. James P. Valecko, 79596 WELTMAN, WEINBERG & REIS CO. , L.P.A. 436 7th Ave Ste 2500 Pittsburgh PA 15219-1842 (412) 434-7955 FAX: 412-434-7959 wWR# 30403258 C A Pit SJS DISC VER Discover More Card Account number ending in 2581 Open Dote:Jul 25,2014-Close Date:Aug 24,2014 Cordmember Since 1994 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $9,737.72 New Balance $10,023.81 Payments and Credits — $0.00 Minimum Payment Due $1,934.00 Purchases + $0.00 Payment Due Date September 19,2014 Balance Transfers + $0.00 Includes post due amount of: $1667.00 Cash Advances + $0.00 Fees Charged + $35.00 Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $251.09 dote listed above,you may hove to pay a late fee of up to$35.00 and your $10,023.81 purchase and balance transfer APRs for new transodions may be increased up to New Balance the Penalty APR of 29.99%variable. See Interest Charge Calculation section following the Minimum Payment Warning: If you make only the minimum payment each Transactions section for detailed APR information period,you will pay more in interest and it will take you longer to pay off your Credit Line $8,500 balance.For example: Credit Line Available 50 ni3sakevtnad'd+tianaicharges yA4 ++I.lpoyfk AMYau�w,lf�ndup s,rsttlg&4*t and rrnd aoch a5in5 am5. fi: d lanstl Cash Advance Credit Line 54,400 h ,f�D' . .slaletnottl7t~about,. of J Cash Advance Credit Line Available 50 I Only the minimum payment I 63 years $73,298 You may be able to avoid interest on Purchases. See reverse for details. If you would like information about credit counseling services,call 1-800-347-1121 REWARDS Anniversary Month Cashback Bonus® August Opening Balance $ 0.00 Your FICO'Credit Score on 6/18/14. New Coshback Bonus This Period + $ 0.00 More at Discover.com Redeemed This Period —S 0.00 Please make check payable to Discover. You are overlimit. Cashback Bonus Balance $ 0.00 Pay the sum of the Minimum Payment Due plus the remaining To learn more,log in at Discover.com overlimit amount of 51523.81. Make Check payable to Discover NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below,detach and return with your payment Pt�ty>Ol�llt�;ea P11ne Account number ending in 2581 Payment Olipon 0, Y Y P.�oso:4a tatfgld,.cltp:ot sfzrpl�, l�Ji3toyertam: 3 (S03r1 2fi$, ' Minimum Payment Due $1,934.00 _. New Balance 510,023.81 IIII'llllllllllll'll'III'II'111111111"II'll�lltlll��lllllll'Iln Payment Due Date September 19,2014 JEFFREY WILSON Amount enclosed I$ 150 FROST RD GARDNERS PA 17324-9019 PO BOX 71084 CHARLOTTE NC 28272-1084 30401325&Intemet payments must be received by 5PM ET to be credited as of the some day 111111'I'I'1�11111��III�III�III�IIj�lll�ll111illll'�"11'11'1"11 Address,e-mail or telephone changed?Nate changes on reverse side 000001986458447654951100238100412530193400 r EXHIM ' JEFFREY WILSON Account number ending in 2581 Open Date:Jul 25,2014-Close Date:Aug 24,2014 _Po ge?_of 4 Important Information You must ensure that sufficient funds are available in your bank account,and See your Cardmember Agreement.Your Cardmember Agreement all transactions must comply with U.S.law. contains oil the terms of your Account. You can set automatic payments for: (i)statement New Balance, ii statement Lost or stolen cards.Report immediatelyl Call 1-800-347-2683. Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed dollar amount,or(iv)Other dollar amount. If your scheduled"Other dollar What To Do If You Think You Find A Mistake On Your Statement amount"payment is not enough to cover the Minimum Payment Due as listed If you think there is on error on your statement,write to us at: Discover,PO on your monthly billing statement,your scheduled payment for that month Box 30421,Solt Lake City,UT 84130-0421.You must write to us within 60 will be increased to cover the Minimum Payment Due. If the scheduled days after the error appeared on your statement. You may call us,but if you payment is greater than the Minimum Payment Due,any excess will be do we are not required io investigate any potential errors,and you may have applied in accordance with your Cardmember Agreement.If your scheduled to pay the omount in question. The Billing Rights Notice further explains your payment is greater than the New Balance on your billing statement,that rights. Please see your Cordmember Agreement or visit payment will be processed only for the amount of your New Balance.Your haps://discover.com/billing6ghts for a copy of this notice. automatic payment amount may be less than the amount indicated on the Payments.You may pay all or part of your Account balance of any time. billing statement based on credits or payments after the Close Date. However,you must pay at least the Minimum Payment Due by the Payment If you enroll by phone in our automatic payment service,please fill-in the Due Date.Send only your paymentow and the bottom portion o this statement following blanks below and retain the authorization for your records. in the enveloppe provided offer affixing postage.Payments sent without proper g postage will be returned to the sender.Do not send cash. If you pay by Amount: D Full Pay ❑Min Pay 0 Min Pay+ 5 check,you authorize us to use information onyyour check to make on electronic fund transfer from your account at the financial institution indicated 0 Other Amount$ Bank Routing#: on your check or to process the payment as a check transaction.If a payment Bank Account# is processed as on electronic fund transfer,the transfer will be for the amount of the check.When we use information from your check to make an Monthly on the❑Payment Due Date 0 Close Date electronic fund transfer,funds may be withdrawn from your account as soon as the some day we receive Your payment,and you will not receive your Doy of month(insert dote) check bock from your financial institution. The processing of your payment may be delayed if you send cash,corres- Credit Reporting.We may report information about your Account to credit pondence or other items with your payments,if you send the payment to any bureaus.Late payments,missed payments,or other defaults on your Account other address,or if you use an envelope other than the one provided. may be reflected in your credit report.We normally report the status and Payments received in proper form of our processing facility by 5PM local time payment history of your Account to credit reporting agencies each month.If on any day will be credited to your Account as of that day.Payments received you believe that our report is inaccurate or incomplete,please write us at this at our processing facility after 5PM local time will be credited to your Account address:Discover,PO Box 15316,Wilmington,DE 19850-5316.Please as of the next day.If you have misplaced your envelope,send your payment include your name,address,home telephone number and Account number. to Discover,PO Box 6103,Carol Stream,IL 60197.6103.Please allow 7.10 Pa n Interest.Your due date is of least 25 days after the close of each days for delivery.If your payment is returned unpaid,we reserve the right to Yi 9 resubmit it as on electronic debit.Payments mode online or by phone will be billing period (at least 23 days for billing periods that begin in February).We credited as of the day of receipt if mode by 5PM Eastern time. will not charge you any interest on Purchases if you pay your entire balance by the due date each month.We will begin charging interest on Cash You can pay your monthly Minimum Payment Due,or a greater amount that Advances and Balance Transfers as of the loser of the Transaction Date or the does not exceed your current Account balance,over the telephone or you can first day of the billing period in which the transadion posted to your Account. setup automatic payments through a customer service representative by tolling 1-800-347.2683.Automatic payments for the billing period shown How We Calculate Interest Charges.We Use the Daily Balance Method on your statement will be deducted on the Payment Due Date shown on that (including current transactions)to calculate the Balance Subject to Interest statement,or the next automatic payment dale referred to on your statement, Rate. For more information,please call us at 1-800-347-2683. unless you request a recurring pa unent date(e.g.,the 15"day of the month) that occurs before your Payment Due Dote or Close Date.If your scheduled Balance Sub'ect to Interest Rate. Your statement shows o Balance Subject dale foils on o weekend or bank holiday,your payment will be to Interest Rolle. It shows this for each transaction category. The Balanc� payment Subject to Interest Rote is the average of the daily balances during the billing processed the business day prior to the weekend or bank holiday.In order to period. schedule monthly payments by telephone,you will need this statement and your bank account information.You will be asked to provide the last four(4) Credit Balances. If your Account has a credit balance,the amount is shown digits of the social security number of the primary borrower.By providing on the front of your billing statement. A credit balance is money that is owed those numbers as your electronic signature,you will be agreeing to this to you. You may make charges against this amount if your Account is open. authorization to allow us and your bank to deduct each payment you We will send you a refund of any remaining balance of 51.00 or more after authorize,in the amount selected by you,from your bank account.You also 6 months,or as otherwise required by applicable law,or upon request made outhorize us to initiate debit or credit entries to your bank account,as to the address in the Contact Us section on page 3 of your billing statement. applicable,to correct on error in the processing of such payment.You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Balance Transfers.Balance Transfers are offer,?,d at our discretion and Discover,PO Box 30421,Solt Lake City,UT 84130-0421;however,we must accrue interest at the standard purchase rate un�esswe tell you otherwise. receive notice at least three business days in advance of the scheduled Discover may monitor and/or record telephone calls between you and payment.If your payments may vary in amount,we will tell you on each Discover representatives for quality assurance purposes. monthly billing statement when your payment will be made and how much it will be. The Discover®card is issued by Discover Bonk,Member FDIC. TL23N CHANGE OF ADDRESS If correct on front,do not use.Please print clearly in blue or block ink,in the space provided. Street Address Home Phone 1 Work Phone City Email 3604jb N To make changes to your address, email or telephone number,visit Discover.com Continued on next page ���� VER Discover More Card Account number ending in 2581 Open Dote:Jul 25,2014-Close Dote:Aug 24,2014 Page 3 of 4 CONTACT ._US ....... ..-..._ ......-...— - - �_....__._....._..__...__... Phone In uir Mail Payments Web Mobile q y Y I0 100 W Access your � Manage your 1-800-DISCOVER Discover Discover account securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130IL 60197-6103 Transactions Trans.Date Post Date Fees Aug 19 Aug 19 LATE FEE S 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES S 251.09 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 251.09 2014 Totals Year-to-Date TOTAL FEES CHARGED IN 2014 S 280.00 TOTAL INTEREST CHARGED IN 2014 S 1,790.14 _......--- — -_........__...........__........._._........—..._—..._..._..............__............_.........—.........._......--._..........._..__....._........---- Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 29.99% V $9,858.69 $251.09 Cash Advances 29.99% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement orgotowww.discover.com/interestchorges FICO'Credit Score Terms The FICOO Credit Score we provide will never impact your credit score. Your FICO®Credit Score is based on data from TronsUnion and may be different from other credit scores.This information is intended for and delivered to the Primary cardmembers only that have an available score and is available on the statement for individual accounts and on Discover.com for individual and joint accounts.Discover and other lenders may use different inputs like a FICOe Credit Score,other credit scores and more information in credit decisions. If you prefer not to receive your FICO®Credit Score on your statement,just call us of 1-800-DISCOVER(1-800-347-2683).Please give us two billing cycles to process your request.To learn more,visit Discover.com.This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. 30403258 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION JEFFREY WILSON Account nur'nber ending in 2581 _Open Date:Jul 25,2014-Close Date:Aug 24,2014 _ Page 4 of 4 30403258 Discover More Card DISCOVERAccount number ending in 2581 Open Date:Sep 16,2014-Close Date:Oct 15,2014 Cordmember Since 1994 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $10,023.81 New Balance $9,423.81 Payments and Credits $600.00 Minimum Payment Due' $1,925.00 Purchases + $0.00 Payment Due Date November 10,2014 Balance Transfers + $0.00 $1736.00 Includes past due amount of: Cash Advances + $0.00 Fees Charged + $0.00 Late Payment Warning:If we do not receive your minimum payment by the Interest Charged + $0.00 date listed above,you may have to pay a late fee of up to$35.00 and your purchase and balance transfer APRs for new transactions may be increased up to New Balance $9,423.81 the Penalty APR of 29.99%variable. See Interest Charge Calculation section following the Minimum Payment Warning:If you make only the minimum payment each Transactions section for detailed APR information period,you will pay more in interest and it will take you longer to pay off your Credit Line $8,500 balance For example Credit Line Available $0 If.you make no addrvhonbl cha'r'gesaN�Youswdl'pdy off the And you wdl end upa rusin iters card and eacJimonth balance shown on tts poymg an'eshmaed tial Cash Advance Credit Line $4,400 6Y statement m akiout Cash Advance Credit Line Available $0 Onlythe minimum payment 14 ears $9,424 You may be able to avoid interest on Purchases. If you would like information about credit counseling services,call 1-800-347-1121. See reverse for details. REWARDS Contact Us Discover.comAnniversary Month Cashback Bonus® August , 1-800-347-2683 Opening Balance $ 0.00 New Cashback Bonus This Period + $ 0.00 Redeemed This Period $ 0.00 Cashback Bonus Balance $ 0.00 To learn more,log in at Discover.com Make Check payable to Discover. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below,detach and return with your payment. .; ' �K Account number ending in 2581 Poyment Coupon f A.Pay Onhne3 r Pay by Phone t Please•do not fold cli :or`sta le NDiscovercomz" �r © 11}8003472683 Minimum Payment Due $1,925.00 , rt Y New Balance $9,423.81 Payment Due Date November 10,2014 JEFFREY WILSON Amount enclosed Is 150 FROST RD GARDNERS PA 17324-9019 PO BOX 6103 CAROL STREAM IL 60197-6103 Phone and Internet payments must be received by 5PM ET to be credited as of the some day. Address,e-mail or telephone changed?Note changes on reverse side. 000001986458447654951094238100600000192500 JEFFREY WILSON Account number ending in 2581 Open Date:Sep 16 2014-Close Date:Oct 15 2014 Page2 of 4 Important Information You must ensure that sufficient funds are available in your bank account,and See your Cardmember Agreement.Your Cardmember Agreement all transactions must comply with U.S.law. contains all the terms of your Account. You can set automatic payments for: (i)statement New Balance, (ii)statement um Lost or stolen cards.Report immediately!Call 1-800-347-2683. Minimum dollar amount ori(iDv)Oihler dollar amoustatement lntmlf you�yment scheduulled"Otherue plus a dollar What To Do If You Think You Find A Mistake On Your Statement amount'payment is not enough to cover the Minimum Payment Due as listed If you think there is an error on your statement,write to us at: Discover, PO on your monthly billing statement,your scheduled payment for that month Box 30421,Salt Lake City, UT 84130-0421. You must write to us within 60 will be increased to cover the Minimum Payment Due. If the scheduled days after the error appeared on your statement. You may call us,but if you ❑ ment is greater than the Minimum Payment Due,an excess will be do we are not required to investigate any potential errors,and you may have applied in ccordance with your Cardmember Agreement.If your scheduled topay the amount in question. The Billing Rights Notice further explains your payment is greater than the New Balance on your billing statement,that rights. Please see your Cardmember Agreement or visit payment will be processed only for the amount of your New Balance.Your https://discover.com/billingrights for a copy of this notice. automatic payment amount may be less than the amount indicated on the Payments.You may pay all or part of your Account balance at any time. billing statement based on credits or payments after the Close Date. However,you must pay at least the Minimum Payment Due by the Payment If you enroll by phone in our automatic payment service,please fill-in the Due Date. Send only your payment and the bottom portion o this statement following blanks below and retain the authorization for your records. in the enveloppe provided after affixing postage. Payments sent without proper D Min Pay+ $ postage will be returned to the sender.Do not send cash. If you pay by Amount: D Full Pay D Min Pay Y check,you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated D Other Amount$ ; Bank Routing#: an your check or to process the payment as a check transaction. If a payment Bank Account# is processed as an electronic fund transfer,the transfer will be for the amount of the check.When we use information from your check to make an Monthly on the D Payment Due Date D Close Date electronic fund transfer,funds may be withdrawn from your account as soon D Day of month(insert date) as the some day we receive your payment,and you will not receive our check back from your financial institution. Credit Reporting.We may report information about your Account The processing of your payment may be delayed if you send cash,corres- credit bureaus.Late payments,missed payments,or other defaults on your Account pondence or other items with your payments,if you send the payment to any may be reflected in your credit report.We normally report the status and other address,or if you use an envelope other than the one provided. ❑ ment histo of our Account to credit reporting agencies each month.If Payments received in proper form at our processing facility by 5PM local time you believe that our report is inaccurate or incomplete,please write us at this on any day will be credited to your Account as of that day. Payments received you Discover,PO Box 15316,Wilmington,DE 19850-5316.Please at our processing facility after 5PM local time will be credited to your Account include our name,address,home telephone number and Account number. as of the next day. If you have misplaced your envelope,send your payment Y to Discover, PO Box 6103,Carol Stream, IL 60197.6103.Please allow 7.10 Paying Interest.Your due date is at least 25 days after the close of each days for delivery.If your payment is returned unpaid,we reserve the right to bilin period at least 23 days for billing periods that begin in February).We resubmit it as an electronic debit. Payments made online or by phone will be will notchargyou any interest on Purchases if you pay your entire balance credited as of the day of receipt if made by 5 PM Eastern time. by the due date each month.We will begin charging interest on Cash You can pay your monthly Minimum Payment Due,or a greater amount that Advances and Balance Transfers as of the later of the Transaction Date or the does not exceed your current Account balance,over the telephone or you can first day of the billing period in which the transaction posted to your Account. setup automatic payments through a customer service representative by yyBalance calling 1-800-347-2683. Automatic payments for the billing period shown How W e Calceurlaf ansaction Cho calculate the BalanDcetlSubjecct to Interest tnd on your statement will be deducted on the Payment Due Date shown on that (including statement,or the next automatic payment date referred to on your statement, Rate. For more information, please call us at 1-800-347-2683. unless you request a recurring payment date(e.g.,the 15"day of the month) I that occurs before your Payment Due Date or Close Date.If your scheduled fo°I°e�esSRafe.ctltshowes this sRor each hotransatct transaction category The BalanCelect payment date falls on a weekend or bank holiday,your payment will be Subject to Interest Rate is the average of the daily balances during the billing processed the business day prior to the weekend or bank holiday.In order to period. schedule monthly payments by telephone,you will need this statement and your bank account information.You will be asked to provide the last four(4) Credit Balances. If your Account has a credit balance,the amount is shown digits of the social security number of the primary borrower. By providing on the front of your billing statement. A credit balance is money that is owed r more after those numbers as your electronic signature,aYou will be agreeing to this to you. You may make charges against thiremainings amount balanceif(fyyour Account is open. u a refund authorization inthe to allow us and your selected by youank,from youduct r banach k accounayment t.You also 6 months,or ou W send as otherwise required by applicable law,or uponreque t made authorize an , authorize us to initiate debit or credit entries to your bank account,as to the address in the Contact Us section on page 3 of your billing statement. applicable,to correct an error in the processing of such payment.You can sfers.Balance Transfers are offered at our discretion and cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Balance Tran Discover,PO Box 30421,Salt Lake City, UT 841 30-04 2 1;however,we must accrue interest at the standard purchase rate unless we tell you otherwise. receive notice at least three business days in advance of the scheduled Discover may monitor and/or record telephone calls between you and payment.If your payments may vary in amount,we will tell you on each Discover representatives for quality assurance purposes. monthly billing statement when your payment will be made and how much it The Discover®card is issued by Discover Bank,Member FDIC. TL23N will be. CHANGE OF ADDRESS FStreet on front,do not use.Please print clearly in blue or black ink,in the space provided. Home Phone dress Work Phone Email City State,Zip To make changes to your address, email or telephone number, visit Discover.com Continued on next page Discover More Card DISC®VER Account number ending in 2581 Open Date:Sep 16,2014 -Close Date: Oct 15,2014 Page 3 of 4 CONTACT US Phone ® Inquiry Mail Payments AR Web Manaee our ® 1-800-DISCOVER Discover 0 Discover Access your isi g y 1-800-347-2683) PO Box 30943 PO Box 6103 account securely account anytime, at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60197-6103 Transactions Trans. Date Post Date $ -600.00 Payments and Credits Sep 17 Sep 17 PAYMENT-THANK YOU TOTAL FEES FOR THIS PERIOD Fees $ 0.00 TOTAL INTEREST FOR THIS PERIOD $ 0.00 Interest Charged 2014 Totals Year-to-Date $ 280.00 TOTAL FEES CHARGED IN 2014 $ 1,790.14 TOTAL INTEREST CHARGED IN 2014 Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:30 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO INTEREST CHARGE (APR) INTEREST RATE TYPE OF BALANCE 29.99% V $0.00 $0.00 Purchases 29.99% V $0.00 $0.00 Cash Advances V=Variable Rate Information For You For more information about how interest charges are calculated see your Cordmember Agreement or go to www.discover.com/interestcharges 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 have a joint account;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;or if you have no account activity such as no purchase transactions,fees,interest,or payments for approximately 30 days. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION s JEFFREY WILSON Aco4nt number ending in 2581 Open Date•Sep 16 2014-Close Date: Oct 15 2014 Page 4 of 4 VERIFICATION rn (Na e) (T e) of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plaintiff herein. Additionally, he/she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC-insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He/she verifies that he/she is authorized to make this verification. As an employee of DB Servicing Corporation, he/she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he/she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date 0� ®/'� (Si ature) JEFFREY WILSON DB Servicing Corporation servicing affiliate XXXXXXXXXXXX2581 For Discover Bank WWR# 30403258 C A Pit SJS