Complaint Review: Asc - America's Servicing Company - Des Moines Iowa

My Americas Servicing Company disaster .

On February 23, 2008, I went into my spare room and noticed I had water, mold & damage all throughout my closet. After inspecting the contents I had to throw away many of my possessions. I looked up on my roof and noticed and shingle uplifted, and had my father check it out and noticed a section of my roof had caved in. I immediately called my homeowners insurance New Jersey Manufactures to put in a claim and was told that my policy had been canceled in may 2007 due to non payment ! I freaked since I pay escrow every month for my taxes, homeowners &flood insurance. I immediately called Americas Servicing Company (ASC) and after speaking to NUMEROUS very unhelpful people, I was finally sent to a customer service rep named Laura. She could not figure out what happened since she can see the account noted for escrow the name & policy # of NJM etc, so she said she would check into and get back to me .. I do not recall how many days but she finally did get back to me and stated it was an oversight, with no explanation of why the failed to pay.. JUST AN ERROR I of course at this time still freaking because I have no homeowners insurance now or for the past year and I had a hole in my roof !!I was assured that this would be taken care of by asc. I obviously could not receive my coverage again with NJM until the roof was fixed, so I was screwed waiting for them.

On May 27, 2008 after MANY, MANY unreturned calls I finally got claim # for the policy they provided me. Luckily, my father was able to temporarily fix the hole since it has been months ..

June 10, 2008 the adjuster finally came out to my house and wrote up the claim.

Also during the month of June, unknown exact date I received a letter from my flood insurance that it was canceled due to non-payment. I again immediately called ASC and was assured it will be paid and again an unexplainable oversight.

June 12, 2008 check issued and payable to ASC and myself was sent to me for the claim.

A few days after that, I noticed my monthly payment went up over $200. I called again and spoke to customer service Laura and was told there was an escrow shortage - I just assumed that my taxes and flood insurance went up and did not think much of it. Until I receive a statement from American Security Insurance company (the insurance that was provided to me via ASC because of their error) and they charged me $1894.59 for the policy !! My homeowners insurance is only $445.00 per year for the past many years - I freaked out !!!! Again a call was placed to Laura and was told, I will check into this and call you back

Early July I receive forms from ASC and a letter stating they will not release MY INSURANCE CLAIM money for MY HOUSE , that I need to endorse the check payable to myself and ASC and they will put into a secure escrow account and pay the contractors . After fighting that issue with no results for weeks I finally said screw it and agreed after being assured they will pay the roofing company.

July 29, 2008 numerous calls again placed over the past weeks to ASC reference to the insane amount they charged me, and finally Laura calls. She leaves a message on my home answering machine that the $1894.59 will be refunded once I obtain my own coverage and the repairs are complete (are u kidding me!!! I saved that message)

August 25, 2008 roof contract signed and w9 forms completed by the contractor

August 26, 2008 contractor faxes over the forms & contract to ASC .. Now waiting down payment

September 8, 2008 called ASC for an update & was told, Oh we never received the fax so my contactor re-faxes the stuff.. Later that day I call and get a Diane - they never received the new fax either.. So she had someone from the tech. department research the fax history.. And sure enough I am sorry it was an oversight we have the copy of the original fax right here check to roofer should be mailed within a week.

Now, over this weekend we were hit with a tropical storm and plenty of rain. During the storm, pieces of my kitchen ceiling sheetrock were falling down and rain was leaking all over my floor and my attic stairs in the living room. Sunday or Monday, I noticed mold creeping all over my kitchen ceiling, and more water in my spare room closet (the original claim).

September 9,2008 I call ASC & ASIC (coincidence ) to advise them of new issues , 2 more leaks, original hole leaking bad & mold - also the fact that I went to doctor since I had been having difficulty breathing and was diagnosed with asthma - something I never had . Possibly related too all the mold in my house. I was told to call adjuster to see if he would prefer to put in a new claim or reopen the previous claim, so I did and - hey left a message on his voice mail (see how long it takes for him to call back). Also, while on phone with ASC I was told the w9 that was faxed over was denied because the contractor had a po box listed as address and that was not acceptable. I told them the street address and that was not good enough, so the roofer had to refax again. They patiently sent the original one they faxed over because under the PO Box it listed the street address.. Seriously idiots!!!

So now, I sit and still wait 7 months later with no repairs, a $200 plus increased mortgage payment, short escrow, more damage and now asthma!!!!

Oh cant leave this out, tonight after reading so many complaints via the internet on ASC I decided I better recheck my account history, and noticed even more how they are ripping me off .

5-7-08 $1894.59 homeowners insurance taken out of escrow

5-23-08 $1431.00 flood insurance taken out (which my premium is only $1298.00)

6-27-08 $1891.79 HOMEOWNERS INSURANCE TAKEN OUT AGAIN

7-20-08 $174.00 FLOOD INSURANCE PAYMENT AGAIN ???

So now my escrow is short over $4,000.00 NO EXPLANATIONS why the hell they keep taking so much money from me, and the answer to my very angry call this evening to asc WE'LL CHECK INTO IT ABD CALL YOU BACK yeaaaa right

Laura

toms river, New Jersey

U.S.A.