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, 2005. 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, 2006. On the form one of the questions was if my disability was permanent, which my physician responded it was a permanent disability and I would not be returning to work. They asked for diagnosis codes which my physician provided 3 of them. Credit Protector claimed they never received this disability claim. I received a letter 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 30 time limit. They claim they never received the disability claim form of Jan. 11, 2006. 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, 2006. 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, 2006. I then called Credit Protector to find out the status of my appeal. The representative informed me the appeal was denied on June 22, 2006. 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 2006. The only claim they have is the copy I sent them on June 6, 2006. This company is scamming people out of their money, 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.