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1998 statement. Mr. De Shon again disputed the amount of the
balance due.
The credit card statement as of September 26, 1998,
indicated that petitioners incurred a late fee of $25, an
overlimit fee of $25, and finance charges of $147. The account
balance was $7,828. The statement contained language indicating
that the account was past due and demanded payment of such
amount.
The credit card statement as of October 26, 1998, indicated
that petitioners incurred a late fee of $25, an overlimit fee of
$25, and finance charges of $146. The account balance was
$8,024. The statement contained language indicating that the
account was past due and demanded payment of such amount.
In November 1998, Mr. De Shon submitted to Discover a
written dispute. In response to Mr. De Shon’s inquiry,
petitioners received from Discover a collection letter dated
December 12, 1998, concerning the delinquency of $8,229 in
account 790. The letter stated in part as follows:
As you know, your account is now four months past due.
We feel that we have been patient in handling your
account, but you have not cooperated with us to take
care of this serious matter. To protect Discover
Card’s interest, we must now take action.
We expect you to send a substantial payment immediately
along with your plan for future monthly payments to
clear this delinquency. Please contact us today so
that we may discuss this matter.
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Last modified: May 25, 2011