Quicken Loans Mortgage Complaint

Quicken Loans Mortgage department,

Conventional fixed mortgage Settlement process and costs Florida

I have a mortgage with Quicken Loans and I am having an issue with them. I live in a townhouse - and a portion on the monthly payments to the HOA is to pay a master policy that covers the units. I have lived there for 15 years and have refinanced the property - times. I have always been told by previous lender and even a member of Quicken Loans implied that the master policy provided by the HOA is sufficient to meet the insurance requirements by the mortgage. I have always have an additional policy which I pay for, it is not part of the escrow payment, to provide personal liability coverage as well as coverage for my personal property, my property which I own is not being financed by Quicken Loans. On - -, 2015 I had a water leak in my kitchen that caused damage to the kitchen cabinets. I called - -, the company that I pay for my personal protection and an adjuster was sent and the claim was approved. On - -, 2015 a check was sent out to me. When I received the check I went to deposit it, I was not able


overnight. They received the check - - and I tried to contact them on the telephone several times to get an estimated date for the return check and the calls were not answered until I sent an email days later asking for a return call. The check was not returned to me until - -. Now my bank, - - - is putting a hold on the check that is payable by - - - until - - because they say that - can not guaranteed that the check will be honored. What does that mean to me? Here we are almost 1 1/2 months later and I have not been able to fix the kitchen. I pay the mortgage, I pay the HOA dues that cover insurance on the building, I pay for my personal protection and Quicken Loans has created the chain of events that are completely unnecessary. The check has " For Payment of Restricted Escrow '' .... What does that mean? I am not required to have that policy, I pay for it out of my pocket, it does not go through escrow, my mortgage payments are up to date. What right does Quicken Loan have over those funds to put a restriction on the check. Quicken Loan sent my insurance a condo unit owner 's insurance request they say I authorize them. I have issues with the signing of the agreement. It was not for my policy it was for the HOA policy and that is what I was told.