I had a bank account with Wells Fargo, through which I also had a linked credit card that had a " protection plan '' on it for if I was ever hurt or laid off, and therefore unable to make payments. After years of paying the fees for it, when it came time to use the service ( I was laid off ) they made one payment for me then refused to pay any more. I sent in the appropriate paperwork then XXXX letters requesting the service be turned on, before I finally had to file bankruptcy and lost everything I owned. This was not my only credit card at the time, but it was one of the few with payment protection and it could have made a large difference, especially because I ended up being overdrawn and losing the bank account due to their overdraft fees - they would not stop charging against the account, *even after it was closed*. I never received a single response to any of the letters I sent requesting the service I had paid them for years for. 
