Fourth Court of Appeals

San Antonio, Texas

MEMORANDUM OPINION

No. 04-12-00080-CV

Bret Wayne HOOPER,

Appellant

v.

Generations Community Federal Credit 

GENERATIONS COMMUNITY FEDERAL CREDIT UNION,

Appellee

From the County Court at Law No. 7, Bexar County, Texas

Trial Court No. 352061

Honorable David J. Rodriguez, Judge Presiding

Opinion by: Karen Angelini, Justice

Sitting: Karen Angelini, Justice

Patricia O. Alvarez, Justice

Luz Elena D. Chapa, Justice

Delivered and Filed: June 12, 2013

REVERSED AND RENDERED

Bret Wayne Hooper appeals from a $20,600.36 judgment against him in a suit to recover 

the balance due on a credit card account. Because the evidence was legally insufficient to support 

the judgment, we reverse and render a take-nothing judgment. 

BACKGROUND

Hooper was sued by Generations Community Federal Credit Union, formerly known as 

the San Antonio City Employees Federal Credit Union. The Credit Union alleged Hooper had 

defaulted on a credit card agreement and, as a result, owed the Credit Union $20,600.36 plus 
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interest. Hooper answered the suit, pleading various defenses and a counterclaim under the Texas 

Debt Collection Act. Following a bench trial, the trial court rendered judgment against Hooper 

and in favor of the Credit Union in the amount of $20,600.36. The trial court also rendered 

judgment that Hooper take nothing on his counter-claim. Hooper appealed. 

DISCUSSION

In Texas, collection of the amount due under a credit card agreement is treated as a claim 

for a breach of contract. In re Tran, 351 B.R. 440, 445 (Bankr. S.D. Tex. 2006), aff’d, 369 B.R. 

312 (S.D. Tex. 2007); see Tully v. Citibank (South Dakota), N.A., 173 S.W.3d 212, 215-20 (Tex. 

App.—Texarkana 2005, no pet.). To recover for breach of contract, a plaintiff must show (1) the 

existence of a valid contract, (2) the plaintiff performed or tendered performance, (3) the 

defendant breached the terms of the contract, and (4) the plaintiff suffered damages as a result of

the defendant’s breach. Transworld Leasing Corp. v. Wells Fargo Auto Fin., LLC, No. 04-12-

00036-CV, 2012 WL 4578591, at *3 (Tex. App.—San Antonio 2012, pet. denied); McLaughlin, 

Inc. v. Northstar Drilling Tech., Inc., 138 S.W.3d 24, 27 (Tex. App.—San Antonio 2004, no 

pet.). Thus, in this case, the Credit Union had the burden to prove each element of a breach of 

contract claim at trial. See Preston State Bank v. Jordan, 692 S.W.2d 740, 744 (Tex. App.—Fort 

Worth 1985, no writ) (affirming a take-nothing judgment in a suit to recover a credit card debt 

when the bank failed to present evidence of the contract between the bank and the credit card 

holder). 

Parties form a binding contract when the following elements are present: (1) an offer; (2) 

an acceptance in strict compliance with the terms of the offer; (3) a meeting of the minds; (4) 

each party’s consent to the terms; and (5) the execution and delivery of the contract with the 

intent that it be mutual and binding. Williams v. Unifund CCR Partners Assignee of Citibank, 

264 S.W.3d 231, 236 (Tex. App.—Houston [1st Dist.] 2008, no pet.). To be enforceable, a 
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contract must be sufficiently certain to enable a court to determine the rights and responsibilities 

of the parties. T.O. Stanley Boot Co., Inc. v. Bank of El Paso, 847 S.W.2d 218, 221 (Tex. 1992). 

The material terms of a contract must be agreed upon before a court can enforce the contract. Id. 

A breach of contract occurs when a party to the contract fails or refuses to do something he has 

promised to do. West v. Triple B Services, LLP, 264 S.W.3d 440, 446 (Tex. App.—Houston 

[14th Dist.] 2008, no pet.).

In his second issue, Hooper argues the evidence was legally and factually insufficient to 

support each of the elements of the Credit Union’s breach of contract claim. In response, the 

Credit Union argues there was sufficient evidence of a credit card agreement. Notably, the Credit 

Union focuses on the first element of its breach of contract claim—the existence of a valid 

contract. The Credit Union does not explain how the evidence was sufficient to prove each of the 

remaining elements of its breach of contract claim. 

We review challenges to the legal sufficiency of the evidence in a bench trial under the 

same standard used in reviewing the sufficiency of the evidence in a jury trial. Rosas v. Comm’n 

for Lawyers Discipline, 335 S.W.3d 311, 316 (Tex. App.—San Antonio 2010, no pet.). When 

reviewing a legal sufficiency or “no evidence” challenge, we determine “whether the evidence at 

trial would enable reasonable and fair-minded people to reach the verdict under review.” City of 

Keller v. Wilson, 168 S.W.3d 802, 827 (Tex. 2005); Rosas, 335 S.W.3d at 316. If the appellant is 

challenging the legal sufficiency of the evidence to support a finding on which he did not have 

the burden of proof at trial, the appellant must demonstrate on appeal that no evidence exists to 

support the adverse finding. Rosas, 335 S.W.3d at 316. We sustain a legal sufficiency or “no 

evidence” challenge when: (1) the record discloses a complete absence of evidence of a vital 

fact; (2) the court is barred by rules of law or of evidence from giving weight to the only 

evidence offered to prove a vital fact; (3) the evidence offered to prove a vital fact is no more 
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than a mere scintilla; or (4) the evidence establishes conclusively the opposite of the vital fact. 

Id. Evidence does not exceed a scintilla if it is so weak as to do no more than create a mere 

surmise or suspicion that the fact exists. Akin, Gump, Strauss, Hauer & Feld, L.L.P. v. Nat’l Dev.

and Research Corp., 299 S.W.3d 106, 115 (Tex. 2009). 

At trial, the evidence was as follows. The Credit Union presented two documents that are 

relevant to our discussion. The first document, titled “Credit Line Account and Personal Loan 

Application,” indicates that Hooper applied for a credit card, specifically a “Mastercard Platinum 

[************]7844 9.0%.” This document appears to have been signed by Hooper as an 

“applicant” on March 22, 2007. This document states: “You agree and understand that if 

approved, [y]ou are contractually liable according to the applicable terms of the Credit Line 

Account Agreement and Disclosure. You will receive a copy of that Agreement no later than the 

time of [y]our first credit advance and you promise to pay all amounts charged to [y]our 

[a]ccount according to its terms.” (emphasis added). Significantly, the “Agreement” referenced 

in the document was never offered into evidence.

The second relevant document, titled “Addendum to Platinum Mastercard Agreement,” 

appears to have been signed by Hooper as the “Borrower/Cardholder” on March 21, 2007. This 

document states that Hooper was approved for an “Introductory Annual Percentage Rate of 

3.90%” on balances transferred from other financial institutions or credit card issuers. 

The Credit Union also presented the testimony of two witnesses. First, the Credit Union 

called Hooper to testify. In his testimony, Hooper acknowledged that his signature appeared on 

both of the above-referenced documents. Hooper also confirmed that he had received a credit 

card from the San Antonio City Employees Federal Credit Union and that he made use of that 

credit card. Furthermore, Hooper stated that he had received statements from “Card Services” 
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but he did not recall if they were for a San Antonio City Employees Federal Credit Union 

account. Hooper also stated he had made payments to “Card Services.” 

Second, the Credit Union called one of its employees, Lorie Garcia, to testify. Garcia 

testified that customers were given a copy of the Credit Line Account Agreement and Disclosure 

when they applied for credit. Garcia further stated that the Credit Line Account Agreement and 

Disclosure stated that credit cards were subject to a variable interest rate. Garcia stated that the 

current interest rate on Hooper’s account was 18% because of the account’s delinquent status. 

According to Garcia, the prior interest rate on Hooper’s account was 9%. Finally, Garcia testified 

that the principal balance on Hooper’s account was $20,600.36 and that the interest balance on 

Hooper’s account was $4,080.30. No further evidence was presented.

Although there was some evidence that Hooper obtained a credit card from the Credit 

Union and that he used the credit card, there was no evidence establishing Hooper’s specific 

obligations under the terms of an agreement. For example, there was no evidence regarding 

Hooper’s obligation to repay the balance and interest on the account, including when his 

payments were due, where his payments were to be made, and what would transpire if he failed 

to make a payment in accordance with the terms of an agreement. Nor was there evidence 

indicating Hooper failed to comply with a particular term of an agreement, or otherwise failed to 

perform his obligations under an agreement. We conclude the record discloses the complete 

absence of evidence of the third element of the Credit Union’s breach of contract claim, i.e., that 

Hooper breached the terms of an agreement with the Credit Union. In the absence of evidence 

that Hooper failed or refused to do something he promised to do under an agreement, the Credit 

Union failed to prove its breach of contract claim. See Pioneer Land & Cattle Co. v. Collier, No. 

07-12-00320-CV, 2013 WL 2150814, at *6 (Tex. App.—Amarillo 2013, no pet. h.) (concluding 

the trial court did not err in granting a no-evidence summary judgment on the plaintiff’s breach 
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of contract claim when there was no evidence of the first, third, or fourth elements of the claim). 

We, therefore, hold the evidence was legally insufficient to support the trial court’s judgment. 

Hooper’s second issue is sustained. 

CONCLUSION

Because Hooper’s second issue is dispositive of this appeal, we need not address his first 

issue. See TEX. R. APP. P. 47.1 (directing appellate courts to issue opinions that are as brief as 

practicable but also address every issue raised and necessary to the final disposition of the 

appeal). We reverse the judgment of the trial court, and render judgment that Generations 

Community Federal Credit Union take nothing by its suit.

Karen Angelini, Justice