[gregtu]

This is a letter I received after I sent a CPN to Discover Card.

Dear Greg Turn,

Thank you for your recent payment to Discover Bank the issuer of Discover Card, and Discover Financial Services, Inc., which services the Card (collectively “Discover”)

We identified your attempt to pay off this debt using an accord and satisfaction by restrictively marking your payment, as payment in full. After investigation the matter, Discover’s position is that your attempt to pay off this debt using an accord and satisfaction, is ineffective for several reasons. To be effective, a payment must be tendered in good faith, and the amount of the claim must be subject to a bona fide dispute. We do not believe the amount tendered to be a good faith offer of settlement, and our records do not reflect a bona fide dispute being raised with respect to the amount owing on the account. Since the Discover Cardmember Agreement provides that we may accept restrictively endorsed payments, such as the one tendered, without losing any rights under the Agreement, the payment was credited to the specified account as a partial payment.

If there are concerns regarding the remaining balance (I think the balance was $ 137.50 or so) listed on this account, please call us at 1 800- Discover. Experienced Account Managers are here to help 24 hours a day, 7 days a week. We wish to thank you again for allowing us the opportunity to assist you, and hope to continue servicing your future financial needs.

Sincerely Sue Batchelder
Discover Financial Services, Inc