Cenlar Central Loan Administration

Cenlar took over our existing mortgage loan in February 2023, even though the previous mortgage company and myself submitted all proof and bank payments that we were paid in full on our mortgage until March 1, 2023 Cenlar is demanding a payment for February even though we have provided all documents that it was paid prior to them taking it over, every month they say we are 30 days late even though I continue to pay my payment on the first of every month. Since they didn’t directly receive a February payment to them directly they are saying were constantly late and sending demanding delinquency letters.

Cenlar did not apply payment to our account but held the check. They then charged per diem until they received additional amount. The account should have been closed but when they had not turned off the auto payment and withdrew, without consent, money from out personal checking. It has taken over a month to get that money back from Cenlar. We spoke and messaged through their portal numerous representatives with little to no help. We will never use Cenlar again. We highly recommend to find a different company to do business with!

This is the worst company I have ever dealt with. They talked us into a Covid forbearance, assuring us that after it was over we could streamline the loan and probably get a lower interest rate. They then denied us for the streamline loan because we hadn't made 6 monthly payments in a row (the payment I called to make would've been the 6th but the person told me not to make it because of this "new program"). So they tell us we have to modify the loan. Okay. Packet one mailed. Unbeknownst to me they didn't receive it. When I called a month later they tell me we are in foreclosure! So I send the packet again by fax. I call two days later. They can't accept it because some of the documents are expired. So I REFILL out everything, send me documents and resend it.

This is in regard to fire damage to my home that occurred on 3/17/2022. As with all fire insurance claims, the insurance company releases payment to me & my mortgage co (Cenlar) to be kept in an escrow account. On 2/7/2023, I requested a progress inspection by Cenlar. Funds were supposed to be released to pay my contractor to continue work. As of today, NO ADDITIONAL FUNDS have been released. I have called Cenlar every day since 2/28/ 2023 asking where my funds are only to be notified of different excuses why funds haven't been released. I am still waiting on funds and now my contractor has ceased to continue repairs until funds are released to pay them. To date, I am out $39,000 of personal funds I paid the contractor for work done in February 2023.

I had a HELOC loan with Cenlar and not only did they not disclose hidden fees such as annual fees but put it on monthly bill and although I was an autopay and seemingly paying the "fee" it kept showing up monthly on the bill and kept inquiring why (7 attempts) with no response. Turns out even if you have automatic payments they won't accept online payments of the annual fee-you have to call separately and pay via phone for an extra fee. I decided to transfer my loan after several issues with customer service. I tried to pay off the loan online and they wouldn't let me. Required a wire transfer for a fee, ofcourse, and also required you to FAX a signed document- wont accept online. They also charged several miscellaneous charges such as recording fee, loan ending fee, etc. Customer service was the rudest I ever experience. Glad I'm not a customer anymore. They will charge you extra every chance they get.

I have an overage of $4000 in my escrow account for my mortgage. Upon further looking, they claimed they mailed a check for this amount. This never happened. Since I never cashed the never received check I complained about, they keep putting the $4000 into this escrow account from year to year. Should be illegal. They apologize but continue with this foolishness.

Here is the detail. The Sept 2022 payment was made from two sources, which the company didn't accept. However, since this was a court related issue we made a conference call between Cenlar and the two of us (payers) and the customer service accepted this one time payment from two sources as an exception. Then I paid the October 2022 payment from a single source over Cenlar automatic payment system. When I check my online account around last week of Oct 2022 I saw the payment of both Sep and Oct was not honored. I called Cenlar customer service to know why. She said that the payment was not authorized by my bank. (I pay directly from my debit account). I called my bank and asked why it was not authorized. The bank replied that they did nothing and the payment has been processed as requested. They gave me the special number associated to the completed payment.

Right now I'm am moving after being evicted from my home I've been in for 25 years, I remodified my loan making payments and then I got my check returned and then I get a knock on my door from some guy telling me my house is being auctioned that morning no notice never served and now here I am. I filed with the FBI and other agencies. Now I have to move until it's resolved.... BEWARE OF CENLAR.

I got a loan for a duplex and that company sold my loan to Cenlar. Truly disturbing. In the middle of November, I received a demand letter for payment on my loan. I never heard of the company and thought it was a scam. I called my company and informed them they had been hacked and then they explained to me they are the new company. Tonight on 12/13/2022 Justice the manager verified they did Not send me a welcome letter. My original company took my November payment. They informed me Not to give Cenlar any money or any information as they will send everything to them. I thanked them and moved on.

CitiBank mortgage gave my loan account to this incompetent business. Can't cover all the problems because I'd could write book. When calling customer service about a simple question or answering a simple question, I've literally been put on hold for hours. Then if they couldn't answer one of my questions, they would just hang up (at least 5 or 6 times).