Chase Payment Assurance Chase Bank, J P Morgan Chase Chase Bank missrepresented Terms & Benefits of Their Payment assurance disability plan Coppell Texas

I took out a Mortgage line of credit with Chase Bank back in 2006. At the time I told them I wanted Disability Insurance to pay the loan off in case I became disabled or died. I made this clear while discussing the loan. The person I talked with assured me that was no problem and the fee would be included in my payments each month. I was never explained anything about the coverage. I assumed they sold me exactly what I asked for because I was never told any different. When I signed the papers I was again assured I had the coverage and no mention of limitations were *disclosed to me. I was only told I had the coverage. *After the loan was closed they gave me copies of all the documents and I told me I didn't have to read at that time, that I should just sign the documents for the loan and if I had any questions about the paperwork I could ask questions later. I felt pressured to sign or I would not get the loan. I had 2 claims. I think they were in 2009 & 2011. Each was for just a couple of months and they were paid. In Jan of this year I became totally disabled. I am drawing LTD and have applied for SSD.  I turned in a claim with chase payment assurance and it was denied. The reason given was The policy had a 2 claim limit for disability. I was not sold what I requested. I was not told of any limits in the plan. I was not told about gold, silver, or bronze tiers, only that I had coverage and the fee would be included in my monthly payment. CHASE MISREPRESENTED THE BENEFITS OF THEIR COVERAGE.

I also had an auto loan and took out the same insurance. They paid as well. However in 2011 they canceled the coverage and gave me a 100% refund (about $1600.00) Telling me they no longer sold that type of coverage. I later found out they were forced to do it by a government agency. I want to know if I can sue them either personally or thru a class action suite? They did not disclose the limits of the policy, told me I was fully covered when I was not, and I now pay about $30.00 a month on coverage I can not use AND STUCK WITH $300+ PAYMENTS I really can't afford. I am now disabled for the rest of my life and stuck with a payment when I thought I had purchased coverage to pay for in case I ever needed it. Has anyone else had this type of ripoff with Chase Bank payment assurance? What can be done about it?