GMAC Mortgage Complaint - Forced placed flood ins. I had already bought, then took money from my bank to pay for it again!
I paid my flood insurance to FEMA, through State Farm back in April 2011. My daughter was dying with cancer, so I missed the letter in May about they were going to force place insurance on my account. My child died July 24, 2011, after some time, in Aug. I found the letter, and called them to assure them I had flood insurance. I had SF fax my policy info. I thought it was handled. Yesterday, I had a nearly double payment removed from my bank account, as they had opened an escrow account, paid $971.00 to FEMA, (that I had already paid...) and refused to accept my papers, said I needed a photo of the check, front and back that I sent to FEMA back in April. The fact that I had a paid policy statement did not count.
I have been on the phone most of the day, as they required ME to contact FEMA to get their/my money back!!!!! How angry am I? They left me $22.00 in my account, and my husband had bought gas. I had to miss work to go run get money to replace what they syphoned off. I was not prepared for this. Also, the letter they sent stating the above, was mailed on the 14th, arrived on the 19th, same day they took the money. No one has appologized for their mistake. I want the insurance person fired. This is unbelievable. I have stopped their debit program, and have put a stop payment at my bank. I will mail them a check, and that is all they will ever steal from me.