I did not use capital's card until July the same year I received it, is now October 26th and a few months earlier I had added their disability insurance to protect my account via capital sales promotion in the amount of $7.00 and some cents that cover both cards.
Both cards had disability insurance via capital sales promotion services and a few months later I need to use the server. I had to close my business in February 2001 due to and injury requiring surgery. I called capital to place a claim for disability I received a claim form my doctor filed out my form and it was mail out sometime in February.
This is when I leard about add fees to my cards. I though I was safe because I was insured. After receiving my first billing statement in which both had a $250 credit limit with a monthly payment of $20 with no fee's. After using them and reading my billing statement which showed two late fees ($25.00 each) had created a $160.00 balance on one card the other $120 still all under $250.00 credit limit, by may one card was $400's. Plus the other $500's plus.
They have pulled a fast one they had said that they had not received my claim form, I spoke to a number of supervisors about my claim for disability and had received a letter that stated my claim was approved. But too this date on my credit report it shows $1529 charge off on one card, the other $912 charge off. The question hear is how can a the billed dollar amount be greater than the approved credit line of $250.
After speaking with a number of capital's credit person in Richmond, va. I knew it was hopeless
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