Collection practices — misleading, deceptive acts

Posted April 26, 2017 1:43 PM

Where a dunning letter failed to disclose that accepting a settlement offer would cause the consumer to lose statute of limitations protections, it was misleading and deceptive as a matter of law.The 7th U.S. Circuit Court of Appeals affirmed a decision by U.S. District Judge Robert W. Gettleman.In 1993, Manuel Pantoja applied for a credit card from Capital One Bank. He was approved for the card, but he never activated the account. Nevertheless, Capital One assessed annual fees, late fees and activation fees against …

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