Consumer complaint received 2015-10-19
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A ) My XXXX children and XXXX cousin awoke XX/XX/XXXX to our home engulfed in flames 1 ) Event made the local news and left our home in an unliveable condition 2 ) XXXX insurance sent out XXXX adjusters/investigators who approved the claim 3 ) The children and I were re-located to the XXXX for 28 days until XX/XX/XXXX where we were placed in a rental 4 ) XX/XX/XXXX Received the first-disbursement of {$43000.00} to me and Bank of America Llc. 5 ) After a 2 week struggle with b of america at XXXX locations and my XXXX XXXX center I was forced to endorse my portion of the check with the promise " we can handle it from here, you just worry about healing from this tragic event '' 6 ) The first disbursement from BofAmerica written to me and the contractor to cover already initiated construction of the : composition roof : insulation : XXXX support beams in the garage and side facia : electrical panel : and back fence, in the amount of {$19000.00} 7 ) While waiting for our expense check that delayed until XX/XX/XXXX, I was financially stripped and was unaware of the progress of the home 8 ) XX/XX/XXXX Fnnally was able to check on the house when I discovered the facia was painted to hide charcoaled smoke damage, the roof was supposed to be tile, and the palm trees were carelessly ripped out, leaving myself and the adjuster to hire a different contractor 9 ) At this time I was unaware the contractor already scheduled a " move-in '' date with the adjuster of XX/XX/XXXX, that the adjuster kept regardless of his knowledge and recommendation of the poor-construction made by the contractor and that a new one was needed to make the home liveable 10 ) XX/XX/XXXX We were forced out of our rental, despite my attempted contact via phone and email to my adjuster and his immediate supervisor. Forcing me to delegate temporary guardianship of my XXXX babies to my mom and XXXX sisters. I had to move back to our " unliveable dwelling '' home to ensure no more robberies were going to take place while the home was in construction which at that time still needed a side window, gas meter ( exploded along with the panel during the fire ), garage door, paint, flooring ( water damage ), drywall, side gate, garage interior completely restored, water heater, and laundry room restoration. 11 ) XX/XX/XXXX, I still havent heard any updates on the remainder balance from the insurance, my personal claim, my remaining loss of use, city-code violation lien coverage, or contractor update. So I made a call to B of A and finally got through to try and get an electric water heater by asking for {$500.00} to have my babies home for the holidays, which was denied because the contractor, after he was fired, asked for XXXX additional checks amounting {$7000.00} XX/XX/XXXX, and {$8000.00} XX/XX/XXXX of which Bank of America sent directly to the contractor, with my name on it, and failed to notify me leading to forgery on behalf of the contractor and a lack of organization and follow-up on B of America. They told me to make a police report and so I did, and they would refund the money back to the remaining {$23000.00} that they held on to to ensure work was completed accordingly. 12 ) XX/XX/XXXX XXXX Police Dept. requested copies of the forged checks from Bank of America, and with reassurance they sent it was never received by the investigators, dropping the report XX/XX/XXXX. 13 ) XX/XX/XXXX contacted my adjuster for help in acquiring the remaining amount from both Homesite and B of A to finish construction as I sat there without power, gas, or security of the home and he said that there was nothing he could do. I then asked for my personal claim of which he claimed to have sent it but never received until my final conversation with my adjuster XX/XX/XXXX. 14 ) City-Code forced me out until XX/XX/XXXX where I received notice of auction in 3 weeks, home was sold despite them having {$23000.00} of ins money and me not in default prior fire