CSLB RECOMMENDATION FOR CRIMINAL PROSECUTION

UPDATE JANUARY 3, 2018.

This is an update of a post written in September 2016. At the time I thought being attacked by OCWEN which manages my home loan that DEUTSCHE BANK bought was enough to kill a person. We didn't find an attorney to help us save our home but the CFPB helped stop the unwarranted attack and OCWEN put my name back on my loan. I saved our house but didn't get any damages for the hell of having to fight to save my home when I had a loan in good standing with a perfect payment history. Then, still in 2016, I thought what FARMERS INSURANCE did to us was going to kill us. I never dreamed that UNIVERSAL FLOOR SOURCE was being dishonest with me, my home insurance and SYNCHRONY BANK, that they didn't really have a license to rebuild our kitchen after mold remediation and they would join the ranks of vultures trying to steal the $76,000 equity in our home. And little did I know the HERO PROGRAM and PETERSEN DEAN SOLAR also had a scam cooking, that they also had been drooling over the $76,000 equity in our home that KEEP YOUR HOME CALIFORNIA had just granted us. With no attorney, my son and I had to fight alone to save our home. My autistic son James was by my side as I filed complaints with government agencies and filed responses in court to PETERSEN DEAN'S sneaky attempt to steal our home via Mechanics Liens that they had no right to file. They hoped no one would find out in time to stop them.

In 2016 a lot of con artists descended upon my autistic son and I and attempted to steal the equity in our home or in PETERSEN DEAN'S case, our entire home. A series of simultaneous disasters prevented us from focusing on the go fund me page for James in 2017. We found ourselves in a life and death fight to stay alive. We were in the emergency room over and over again with breathing difficulties and loss of consciousness. We were both badly beaten down by men who relentlessly threatened and bullied us, and we both began suffering sudden extreme high blood pressure episodes with fainting and difficulty breathing and lung infections. My son James and I are happy to be alive. We are still in danger and living in filthy, dangerous, horrible conditions but we managed to stay alive through all this.

The CFPB helped us make OCWEN stop its out of the blue attempt to steal our home (suspiciously following a $76,000 KEEP YOUR HOME CALIFORNIA GRANT and $5000 HAMP incentive award for never being late on my home loan). My CFPB complaints stopped OCWEN'S attempt to reverse our home loan modification which has a PERFECT PAYMENT HISTORY but during that battle to save our home from OCWEN, stachybotrys mold was discovered in our home and contractors who lied about having a license further damaged our home and shattered our lives before we could get back up on our feet after the unjustified OCWEN attack.

Here are some links to the simultaneous, ongoing disasters that my son and I are facing alone:

UNIVERSAL FLOOR SOURCE 

A THING OR TWO ABOUT FARMERS

PETERSEN DEAN and the HERO / RENOVATE AMERICA SCAM

It is a new year. We are still alive. My autistic son has made it clear to me that he trusts me and loves me. I am humbled by the way my son still looks up to me after I got so badly beaten by all these bullies these past two years. I am deeply moved by the his absolute trust that I will always keep him safe. He has made up little songs about me I will not fail him. I will get our house back from PETERSEN DEAN / HERO / RENOVATE AMERICA and I will sue them for their ruthless attempt to steal our home via their shameless tax credit scam. I will make UNIVERSAL FLOOR SOURCE repair what they destroyed without having a license. I will sue FARMERS for their standoff with my home insurance, for refusing to remediate the mold that their client Shadowbrook Estate Home Owner's Association caused.

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The original September 28, 2016 post before things got so utterly out of control:

With all the fighting for our lives to save our home from OCWEN and now FARMERS INSURANCE, when all we have done is always pay our bills on time, there was little time left over to work on this fundraiser to help my autistic son James.

His dental pain is so severe that his life is ruined. The medications the ER gives him to make him stop crying have backfired and caused him to cry more with severe bladder problems. He spent Christmas and his birthday in pain, in bed. His health is being destroyed and his teeth hurt him everyday. 

Please share James' Go Fund Me video with everyone you know. Thank you. ❤️

http://www.gofundme.com/painfreeJames

SYNCHRONY BANK SEVERS TIES WITH UNIVERSAL FLOOR SOURCE

SHAW FLOORING DOESN'T KNOW THEY PAID A CRIMINAL

UNIVERSAL FLOOR SOURCE got paid for flooring it never delivered. SHAW FLOORING may have paid UNIVERSAL FLOOR SOURCE without knowing that SYNCHRONY BANK zeroed the customer's credit card when it became apparent UNIVERSAL FLOOR SOURCE was involved in criminal activity, operating without a license among those crimes.

SHAW FLOORING needs to investigate this.  It is not OK to pay for flooring, to charge a customer or their bank for flooring that never was approved by the insurance company and never installed.

UNIVERSAL FLOOR SOURCE LIED TO THE CSLB ABOUT PAYING SYNCHRONY BACK BACK THE STOLEN MONEY

UNIVERSAL FLOOR SOURCE lied to the CONTRACTORS STATE LICENSING BOARD when they noticed the SYNCHRONY BANK account was zeroed. BENJAMIN KARAKHANIAN of UNIVERSAL FLOOR SOURCE took credit for the zero balance on the off chance that the CSLB would not investigate further to find out that claim was a lie. BEN K received the money. BEN K did not deliver the merchandise the money was for. BEN K / UNIVERSAL FLOOR SOURCE kept the money for kitchen cabinets that were never delivered. AGAIN: BEN K lied to the CSLB and claimed he gave the money back to SYNCHRONY BANK. SYNCHRONY BANK confirmed that they did not get that money back.

BEN K did unauthorized demolition on the hope that if insurance didn't pay for it, the homeowner would be forced to. BEN K knew he was doing this to a senior citizen on fixed income with an autistic son who was very ill. BEN K knew James often could not get out of bed for weeks at a time. BEN K knew James' birth father was deceased. He knew I was a single mom. He knew at all times that he was victimizing a family without resources to hire an attorney.

BEN K would yell at my autistic son, "I love you, James" in spite of the fact that this frightened James and made him cry, sometimes to the point of head banging. Anyone who knows James even a little knows James is greatly distressed when strangers try to force him to talk to them. BEN K would act like he didn't notice he was upsetting James.

BEN K told my insurance company, ASSURANT, that he rushed the job because my autistic son James needed to be able to move back into his home, that James was like a son to him. BEN K does not know my son from Adam. BEN K's destruction of our kitchen has permanently harmed James. All of my son's doctors can verify what the stress of not being able to live in our home has done to James. James fainted in September 2017 and had to go by ambulance from our emergency housing hotel (MARRIOTT) to the emergency room. James was in the emergency room five times in September 2017. He is not able to cope mentally or physically with the profound stress these greedy contractors are heaping upon him. Insurance company representatives are witness to UNIVERSAL FLOOR SOURCE'S using James as the excuse for doing unauthorized demolition. BEN K yelled into the phone to ASSURANT insurance, in front of witnesses, that he did it for James. We have since used up all of our emergency housing resources and James has been in a serious downward spiral caused by this stress.

For the record, if UNIVERSAL FLOOR SOURCE is claiming that "love" for an autistic boy is the reason they made him homeless by violating the terms of the insurance company, it has to be made clear that BEN K and UNIVERSAL FLOOR SOURCE did not know James at all. BEN K was just using my autistic son the way he tried to use the MOLD REMEDIATION contractors by blaming demolition he did on BUILDING CLEANING SERVICE when in fact he did the damage to the flooring. BEN K would just shout, "I love you, James!" as he went through our house like a hurricane,ordering us to stay out of the double tent while he told his workers to do work ASSURANT did not authorize yet. The insurance company and the CSLB have detailed accounts of this outrageous, unprofessional, criminal behavior. 

It was creepy that BEN K kept saying James was "like his son" and that I was "like his sister". BEN K would say this when I would ask for things in writing, verification that he communicated with my insurance company. BEN K would claim there was no need for things in writing because I was "like his sister". Customers should see it as a red flag if UNIVERSAL FLOOR SOURCE calls them "family". 

I saw with my own eyes what is called "micro" expressions on BEN K's face when he was talking to my autistic son. BEN K snarled at my son, with an ugly expression while he claimed to "love" him "like a son".  BEN K abused me and my son with this inappropriate "love talk" and he did so to avoid answering business questions that we were entitled to ask and get answers for. Sometimes BEN K would use a rude tone of voice, snap at you when you asked for verification of prices. BEN K barked at me that it was none of my business what things I was buying from him cost, that I was not his business partner. In light of the way he spoke to me, he does not like or respect his "sister" very much and he has hatred for his "son" to do what he did to James. There is no room in business for this type of blatant emotional abuse of customers.

Here are some of the  Question and Answer emails I gathered for the CSLB, the insurance companies and for SYNCHRONY BANK'S sake so they also would not become victims of UNIVERSAL FLOOR SOURCE lies. Mr Pollack of SYNCHRONY BANK has answered all the questions CSLB asked me to clarify for them in BOLD BLACK PRINT. 

FROM: Steven Pollack of SYNCHRONY BANK:

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Attorney James R. Galliver Ordered Me To Remove YELP review of UNIVERSAL FLOOR SOURCE

James R. Galliver, attorney for Benjamine Karakhanian of UNIVERSAL FLOOR SOURCE ordered me to remove my YELP review of UNIVERSAL FLOOR SOURCE.

Yelp Review of UNIVERSAL FLOOR SOURCE: https://www.yelp.com/biz/universal-floor-source-torrance?hrid=bqMJ3u2szpOoj1BjHmdEkQ&utm_campaign=www_review_share_popup&utm_medium=copy_link&utm_source=(direct)

This attorney was hired by Ben K of UNIVERSAL FLOOR SOURCE to make my YELP review disappear

Mr. James R. Galliver refused to talk to me after I notified him that CSLB was investigating and that there was no license for the work/damage done to my house by UNIVERSAL FLOOR SOURCE.

Ben Karakhanian's UNIVERSAL FLOOR SOURCE business card has no license number listed.

UNIVERSAL FLOOR SOURCE'S magazine ads do list License JNC 535656. I was given a false license belonging to another business, then CSLB determined there was no license. With UNIVERSAL FLOOR SOURCE the licenses come and go.

James R. Galliver

Astourian And Associates Inc

Offices in Los Angeles, Washington D.C., Beirut

Main Office: 35 East Union Street, Suite D

Pasadena, CA 91103

Benjamin Karakhanian of Universal Floor Source

This is Benjamin Karakhanian. He works at UNIVERSAL FLOOR SOURCE located at 24520 S Crenshaw Blvd, Torrance California. Ben K (his business card only says "Ben K") is looking at our kitchen floor after mold remediation was done. The mold remediation was paid for by Assurant, my home insurance.

In this photo, Ben is probably contemplating how his crime is going to happen. He is looking at tile that was not broken by the mold remediation contractors. He is going to instruct his worker to break these tiles and tell me to tell Mr. David G. Klein, my insurance adjuster that the tile had to be replaced because it was broken.

Later when I went into the kitchen, the tile WAS broken. Before I could protest that I could not say what Ben K was asking me to say to my insurance company, Ben K's worker blurted, "You told me to break the tile." The young man probably did not know his boss was doing unauthorized things, judging from the surprised way he blurted this.

Ben K changed his story. He told me he had to remove the tile because the surface was ruined by the remediation chemicals. He had just tried to wrongfully blame the mold remediation company for breaking tiles they did not break. Now he was saying that the mold remediation men had ruined the tiles with chemicals.

Where did I find this guy? I bank a lot with SYNCHRONY BANK and I checked their sight for contractors who could restore my kitchen after mold remediation. UNIVERSAL FLOOR SOURCE was listed as someone they trusted to do business with. SYNCHRONY BANK did not know UNIVERSAL FLOOR SOURCE did not have a license to do the work they did on my kitchen.

Later Ben K lied to the CSLB by telling them that HE had paid SYNCHRONY BANK back. In fact, SYNCHRONY BANK zeroed the account and Ben K did not pay them one penny of the money he took for cabinets he never delivered. Ben K thought the CSLB was so stupid that they would just notice the account balance was zero and would believe his lie that he had returned the money. SYNCHRONY BANK, upon request from me, wrote an email that made it clear they had not received any money from Ben K. If I had not requested this email, Ben K would have gotten away with this lie. He has gotten a way with quite a few lies. UNIVERSAL FLOOR SOURCE is currently boasting that they are working with SYNCHRONY BANK again:

Ben K did not get permission from ASSURANCE INSURANCE to demolish my kitchen. He didn't just demolish the floor, he cut through electrical wires and sloppily taped them back together, some he left some damaged wire not taped. Ben K's worker also blurted that I my autistic son and I should never come inside the double containment tent that they put up because we could get electrocuted. Other, real electricians, have confirmed that our kitchen is dangerous, that it is a fire hazard and an electrocution hazard.

When Ben K was confronted and knew an ASSURANT field agent was at the Home Owner's Association gate and on his way to our house, Ben K literally ran out of our house before the field agent could question him.

The mold remediation crew that was working on another portion of the house went back into the kitchen to inspect it and was shocked by the horrible smell. My son had been in the emergency room and we were living in emergency housing (which has expired since April 2017) and did not know about the smell yet. The mold remediation crew had to wear masks to go back in the kitchen. The smell was so bad it was intolerable. He found an uncovered canister that had the strong odor coming from it. It was contaminated paint. All the drywall had to be removed, at my expense because UNIVERSAL FLOOR SOURCE would not take responsibility for what they did. I was not able to afford to pay for the new drywall, flooring and electrical damage. Our kitchen has been destroyed and I have been left alone to deal with the damage.

The horrible smell came from this bucket that was underneath a slab of drywall in the kitchen. It did not have a proper lid. The smell was all over the wall which was painted a shocking, glaring white that did not match the soft white paint in the rest of the house. The room smelled so bad it made your eyes water and every contractor who went inside refused to stay inside, demanded to discuss the job OUTSIDE.

As stated, SYNCHRONY BANK refunded me the kitchen cabinet money that ASSURANT INSURANCE had allotted for cabinets only....not flooring and electrical. I was warned that Ben K would probably try to put a lien on our house because he had a reputation for doing that sort of thing. I think I was fortunate in that regard because I had already reported UNIVERSAL FLOOR SOURCE / Ben K to:

Contractors State License Board
Norwalk Investigative Center
12501 Imperial Highway
Norwalk, California 90650
Investigator: Arturo Camacho
Case Number: SF 2016 008248

Here is the CSLB investigation results:

The CSLB sent the case to the District Attorney's Office with a recommendation for criminal prosecution. I have not received and update yet but I did see that SYNCHRONY BANK is being published on UNIVERSAL FLOOR SOURCE ads as if nothing bad happened to us.  The ad even boasts discounts for seniors. This is how they left our kitchen when they got caught trying to cheat us and our insurance:

Ben K knew my autistic son was sick. He told ASSURANT that the reason he didn't wait for them to authorize work was because of his great love and compassion for my autistic son James. I listened to him tell my insurance adjuster David Klein of ASSURANT that he did it so my son James could get back into his house sooner, that he knew James would get well if he could move back into his house.

Ben K seems to have no regret that my autistic son had to stay in a hotel many months longer and that we ran out of emergency housing funds from ASSURANT in April 2016. The horror it has caused an autistic boy who was suffering with lung infections, fainting, high blood pressure and other serious problems to have to deal with having no safe place to live is beyond words.

I will try to verify if SYNCHRONY BANK knows they are working with UNIVERSAL FLOOR SOURCE again.

I will ask the DISTRICT ATTORNEY how this case is progressing.

I can tell you that BEN K's attorney wrote me a letter which I will post soon, threatening me if I did not remove my YELP review. The Contractor's State Licensing Board is citing PETERSEN DEAN for what they did to our property. Petersen Dean is posting this dishonest comment to try to fool potential customers into believing he did nothing wrong.