Complaint / Review
CitiCard
Disability Claim Denied Over Form Reported Never Received

This complaint is regarding CitiCard's Credit Protector Processing Ctr., P.O. Box 901016, Fort Worth, Tx. 76101-9769.

I was terminated from my position at work due to a disability. Because I was terminated, I fought and received unemployment benefits. I was terminated on June 6. My unemployment benefits ran out the first week of Dec. 2005. I then went on Social Security Disability. I notified Credit Protector in a letter. I included a statement from Social Security telling them the amount of my monthly benefit and a letter from my physician.

They sent me a form to change my status from Job Loss to a Disability Claim. My doctor and I filled it out; it is dated Jan. 11. One of the questions on the form was whether my disability was permanent. My physician responded that it was a permanent disability and that I would not be returning to work. They asked for diagnosis codes, and my physician provided 3 of them.

Credit Protector claimed they never received this disability claim. I received a letter asking me to fill out another claim form. The only claim form I had was a Job Loss form, which asks the same questions. I sent that to them with another letter from my physician. They denied my claim and closed my case. They told me I did not send them the disability claim within the time limit of 30. They claim they never received the disability claim form of Jan. 11.

I wrote a letter to Credit Protector with a copy of the form that came out of my medical chart. I attached copies of 3 letters my physician wrote. One of them was a treatment summary. This was on June 6.

Meanwhile, CitiCard is not getting paid. I am 5 months behind in payments. My interest rate shot up to 30%. I receive calls from them on a daily basis. The last call was yesterday, June 27.

I then called Credit Protector to find out the status of my appeal. The representative informed me the appeal was denied on June 22. They never bothered to send me a denial letter. The representative I spoke to, Amy, said she would send out the denial letter. She told me they never received a claim for disability in January. The only claim they have is the copy I sent them on June 6.

This company is scamming people out of their money. They promise to make payments if you lose your job or become ill. I have paid my monthly dues to them, but they are not holding up their end of the deal.