@mel, first welcome to CCF. Second, there seems to be a lot going on with this coin, but one part of the damage has caused the bubbling in front of Roosevelt's face. This can be caused on clad coins by high heat, such as in a campfire.
"If you climb a good tree, you get a push."
-----Ghanaian proverb
"The danger we all now face is distinguishing between what is authentic and what is performed."
-----King Adz