Consumer Protection Law

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I have a Credit Protector benefit on my Citi card. My husband…

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I have a Credit Protector...
I have a Credit Protector benefit on my Citi card. My husband took a medical leave beginning january 7th and I had my job eliminated the very next day!
He is back to work. However, I received my regular Citi statement and was told that even though I am NOT back to work, my benefit only covers me if I am on un-employment!
What's up with that? Citi recommended that I pick up the Credit Protector in case of a new home, job loss, new baby, etc. and said I would be covered for up to two years. Now, they billing me for the credit Protector fee on top of the original balance.
What should I do? I don't want to ruin my credit and have been paying for this Credit Protector for quite a long while...
Submitted: 8 years ago.Category: Consumer Protection Law
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Answered in 1 minute by:
6/25/2010
Consumer Protection Lawyer: Ely, Counselor at Law replied 8 years ago
Ely
Ely, Counselor at Law
Category: Consumer Protection Law
Satisfied Customers: 103,583
Experience: Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
Verified
Hello,



My name is XXXXX XXXXX I am one of JustAnswer's attorneys. I'll be helping you resolve your matter today.



Please remember that there might be a delay between your follow up questions and my answers because I may be helping other clients or taking a break.



The only way you're going to get this resolves is via threat of lawsuit; you can't reason with them about this. Want me to explain?





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Customer reply replied 8 years ago
I thought I was consulting an attorney in my state (Indiana) for legal advice regarding my matter! What were you asking me to pay for??
Consumer Protection Lawyer: Ely, Counselor at Law replied 8 years ago
Apologies. Unless you request a specific attorney, it'll go into a general stream. I can opt out and let you wait for an Indiana legal expert to step in, if you'd like.
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Customer reply replied 8 years ago

My apology, as well. I'd like to wait for an Indiana legal expert, please.

thank you.

 

Consumer Protection Lawyer: Ely, Counselor at Law replied 8 years ago
I am going to opt out of your question and let another expert opt in to help you. No need to respond to this message. Additionally, you do not have to stay online – your question will remain active and an email will be sent to you as soon an expert answers it. My apologies for the inconvenience. You have not been charged. Good luck.
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Consumer Protection Lawyer: Andrea, Esq., Lawyer replied 8 years ago
Andrea, Esq.
Andrea, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 12,554
Experience: 25 yrs. of experience in employment law, real estate and business law, family law, criminal defense and immigration.
Verified

I see you have been waiting over 24 hours for an Answer and an Indiana Attorney. I am not certain if there is an Indiana Attorney with JustAnswer. If you would like me to help you, please let me know.

 

Thank you

 

 

ANDREA, JD, LLM

MEMBER, NY & PA BAR

 

 

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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