Cenlar FSB Reviews

Finally, after calling the person that originated the loan, Carlos **, did Paul call me back. In the many calls I had to make, I found out that in addition to continuing to bill me for my prepaid HOI, they (CENLAR) actually paid the insurance a second time, in full, $667.00. They refused to pay the first company $179.00 to maintain insurance on the house and paid $667.00 without any demand from the insurance company or authorization from me. Isn't the purpose of escrow to insure that payments, legitimate payments, are made in a timely and accurate fashion? How is this legal? DO NOT DO BUSINESS with this company!

I am in process of gathering all the hard information. I am sick of the run around for the last 7 months! I have now been on hold for over 2 hours, the first hour and few minutes they hung me up! I have all my documentation which is why I only call from my cell phone everything is timed, stamped and dated. Plus I have about 4 pages of a spiral notebook full of notes, times, who, and what I was told or what the action was... The customer service agents don't know anything, they push you off onto the next person. I have had several times they ask if they can put me on hold for a few and then they drop me back into the queue.

Now please understand, I am direct, I am not warm and fuzzy! I am also firm, which they do not like, however this is my money, my home they are playing with! They do not take it seriously whatsoever! My next stop is the CFPB... I am sick of all of this and for me it is even more frustrating as I have been a mortgage originator for almost 25 years. My payment is going up and up for all of their mistakes... I am not sitting around to wait to see if the system straightens it out, while I am paying a higher note. They made the mistake they need to correct it and take responsibility...

June 4th 2018 I applied to get my escrow back -- and they told me 1) no, I hadn't had enough payments - which I proved them wrong and then 2) said I had to wait until the end of July -- which I showed them their letter to me stating June 2018. They pay homeowners wrong, they paid taxes wrong date -- they are horrible!! ASK WHO IS THE loan administrator before taking out a loan -- if it is CENLAR - do not take the mortgage!! Oh - and they do not respond to faxes, emails or telephone calls. IF I can get a real person - they route me right back to the main menu!! They do not answer questions!!! Terrible, Terrible customer service.

Well, this can't be true, I was told. Then I was told, they have not emailed me for a long time, they did not send this email. However, maybe they did. Carlos said that maybe their records were not updated yet. He said it could be risky to enter data on this link. I asked him if he was going to report the possible fraud...not his department! He couldn't have cared less. He did say if I was concerned, I can call in my payment for a $5.00 fee. "Why would I pay $60.00 annually when the issue is yours," I asked him. Overall, this company has no idea what the heck is going on! I wish they would transfer my loan, immediately. Dealing with this company is a nightmare. So many people have filed bitter complaints. How are they still in business? A must to avoid!

I went through all the steps and still could not get in. So there is an option for an online chat. So I clicked that. I had to fill out a form to get to someone who answered the online chat. However, once I had reached that person, before she could help she required almost all the same information I had filled out to reach an online chat person.

Went through all the steps above once again and still could not get into my account. This was the final response from the online chat person: "I would recommend you to call in to speak with a live agent." It is user unfriendly and when a troubleshooter cannot solve problems says something about the bank. Deserves less than one star. I had someone I chatted with. I had to give information all over again. Cenlar is the most user unfriendly site I have experienced in a long time. Online chat finally.

Now I have to pay my first payment of the modification and nobody knows what I am talking about, after sending all the notarized documents they required, no one knows how much I have to pay. What we agreed on the modification paperwork that was signed and notarized is not what they have on their system and now they are saying that there was a change on the modification... I am supposed to pay less now, but instead they are charging me more than I used to pay before the modification. Makes NO SENSE AT ALL! On top of that it doesn't matter that your conversations are recorded. I have asked several times for them to hear and the recordings so they can prove that what I am saying is true and they won't do it.

They have my estimated escrow extremely high, so I ask for the escrow account to be reanalyzed. I was told it has been done and my escrow for taxes were correct. I contact my county and school taxes and they said the estimated taxes that Cenlar have are not correct. First, they did not send me my money for the overage of escrow. Second, they refuse to use the correct estimated taxes from my county and school taxes. I even sent them proof of the correct estimated taxes. Third, The employees that I have spoken to on the phone have been rude, condescending and will not listen to the issue at hand.

At this point I involved a tax consultant and had to pay both tax authorities on my own, including accrued interest, which was almost $5,000. I wrote a formal complaint to Cenlar, asking them to reimburse me for the accrued interest, and they told me that it wasn’t their fault. This was an error by the county and ultimately I’m responsible for the payments because these bills were “supplemental” due to the error, and that’s not part of their contract. How was I supposed to know that? And if they would have told me that when I called in February, I would have paid at that time and not owed the accrued interest.

Original Review: Cenlar has put force placed insurance on a condo I own in Hilton Head Island, S.C. for the last two years. I faxed proof of coverage each year when I received a notification of proof of coverage. Cenlar's response is that because CENLAR wasn't listed as mortgagee on my policy the coverage was forced placed. Ridiculous. CENLAR bought my loan from Liberty Savings Bank. They claim to have left a voice mail for me and also the insurance agency that carries the property coverage. No such voice mail was ever received by me. As a matter of fact I would have probably never picked up on the charge if I hadn't gone into my CENLAR escrow account and checked it this year. It took them about a month to reply to my request for corrections which I am still trying to work out. DO NOT DO BUSINESS WITH THIS COMPANY. THIS APPEARS TO BE A PATTERN USED BY THEM.

One year later today, I am at a shortage again in escrow and my monthly mortgage payments are going up, this time they said my taxes increased, and because of the refund check that both combined added to my escrow shortage. I am calling Tax Dept. tomorrow and getting a report from Cenlar to go over everything. I saw all these comments and my heart hurts to see these reviews. I just spoke with the law office that sued and settled the case ** vs. Cenlar, Attorney Max ** foreclosure boot camp, Ms. Hao ** and Baraza Law firm were all involved with the success. I truly want to just find a new loan, somewhere else, because something just isn’t right.

Our monthly mortgage went up over $100 plus per month, according to their projections. When I didn't receive the "updated" escrow analysis, I wrote not 1 but 3 letters requesting under the RESPA act that they fix their errors. Well, that never happened! When it came time for their "inflated" amount, I sent them the correct amount, which was actually a little lower than the prior year. THEY HELD THE CHECKS AND FORECLOSED ON MY HOUSE! I NEVER received a "default" letter, well let me say that I did, AFTER they foreclosed! Apparently, they DON'T take "partial payments", as they stated. I asked them where my checks were and 3 different reps HAD NO CLUE! According to my contract with the "original lender", who isn't actually our lender but in fact a MORTGAGE SERVICER, we could make partial payments.

Although these weren't partial payments, they just put the check up and then after they foreclosed, the checks mysteriously appeared and they mailed them back! I had to put up almost $400.00 to file Chapter 13 to stop the sale of our home. We didn't find out through them nor their attorney about the sale, at first. In fact, I got my mail one afternoon and received a bunch of letters from other Chapter 13 attorneys and THAT WAS WHEN I FOUND OUT THE HOUSE WAS UP FOR SALE - they wanted to "represent us in filing Chapter 13... WHAT??! Then, I panicked and called one of the attorneys that I received a letter from because the only way CENLAR would stop the sale was if I paid the loan up current. Well let's see, the loan WAS paid but they wanted late fees, property inspection fees... The amount was almost $4,000 more than we OWED THEM!

This being our first home, I sent the attorney $3,000 for help. He assured me that he would do this and that, **! I ended up losing the money and found out less than a week before the sale that I WAS PRETTY MUCH SCREWED! I then researched and called the HOPE hotline. I worked out a loan modification agreement but I wanted them to fix their errors because had they NOT have charged us an inflated rate to begin with, THE LOAN WOULD BE FINE. Long story short, I am now waiting for another attorney to look over the paperwork so we don't lose our home! This has been the 2nd worst experience of my life... The first was when we waited for almost 3 months to even close on this house! CENLAR has destroyed our credit and have reported totally inaccurate information to the credit bureaus...

You can BET that I will be filing charges against them for that. For now, I am trying to save my home... It has literally consumed my entire life for about a month and a half now! I have a 9 year old son and he has asked for me to play with him but I CAN'T and I try to explain that BAD people are trying to take our house and I have to concentrate on this but to see his poor face, it is upsetting and unsettling, to say the very least! If anyone has any suggestions on how to nail these S.O.B.'s, I am all ears! I will do anything to make them pay for turning my life and my family's upside down! If there are any attorney's (that don't want $12,000 plus) that can help, please sent me a message...

THEY HAVE VIOLATED A FEW ACTS, THAT I CAN PROVE, and I want to nail them to the wall! Sorry so long, I just had to get it out! No one else to vent to and I came across so many people complaining about them, I thought I would put my story out... PEOPLE, BE VERY CAREFUL! They are slime and will pull dirty ** to get your home, by any means possible, all due to their mistakes!!!

We are now working with the company that represents individuals like us - who have documentation of every payment and phone records with the dates that we called Cenlar to make the payments - that are being unlawfully removed or evicted from their house. However there's still nothing anyone can do at this point to reverse the fact that our house has been sold... meaning our family has to leave our house within a reasonable amount of time and find another place to live.

The biggest issue I have with all of this is that, I could understand if we were notified that Cenlar no longer had our loan, but we were not. Even worse, there's tons of people who are still living in homes who are two and three months behind on house payments, but yet our family who paid promptly and on time every month is being asked to leave because Cenlar was still accepting payments that should have been going to another company that they failed to let us know they'd sold the loan to. I would not recommend Cenlar to anyone. They may be helpful to some people, but from what I can tell it appears they have way more complaints and compliments.

THEY purchased my mortgage from another lender, it is NOT MY job to ensure they DO THEIR job. I have supplied them MULTIPLE times with proof. If they cannot find the documentation provided to them it is NOT MY problem. That would be their problem. The documentation was provided to previous mortgage lender - it is still valid. They have all the documentation they need. If they EVEN try to charge me some scam insurance - my lawyer will be speaking to them next.

Every month I call and they tell you they will get a supervisor because they cannot change the amount and put you on hold for over a hour. My husband is working in the Middle East and he called this morning and was so frustrated because they would not do anything and he was waiting for more than an hour and he hung up. We have also been trying to login on their website for several days and changing passwords because it would not let you login. Every password was not accepted, after several days I finally got in and paid the amount stated even though it was over my mortgage loan amount because I did not want my credit rating damaged, but I am so frustrated with this company. They are the most unreasonable company with extremely poor service and no help to their customers. I have been trying to get this matter resolved for several months and I am extremely frustrated to be overpaying every month.

Their automated email response states you will receive a response to your emails within 24 hours. Nope, try at least 2 weeks. I am looking to buy a new home and because of this company, I will not get as good of an interest rate. I am not sure of the lending rules... But I will do whatever I have to do to make sure my loan is not sold to this company ever again. Horrible.

Beginning of 2018, I called again and this time they say put it in writing and fax. 1 month later I received a letter they cannot remove it due to in mandatory state of California to charge the fee. Why would the state of California request my payoff statement??!! April 4 2018, Porcha wouldn’t remove the fee or take any action for me and she said “go ahead and file a lawsuit then”. Seems like the run around from consumer gives them joy. They’re taking my money and making me pay for something that they can provide reasons to why. Scammers.

Their incompetence is stunning! The first check was sent to their claims center in Florence S.C., perhaps as early as October 1st. After thirty days I contacted the claims center (this too requires an act of God) to check on my claim. Despite having my account number, my insurance company check number, the check amount, their own claim number and finally CENLAR's own tracking number no one knew a damn thing about it. I'm now working on the third insurance check. Instead of sending this check registered mail with an equal registered mail return, I'm tempted to fly to Florence S.C., physically place check number three in their hands then wait until a simple stamped endorsement on the back of check three and is handed back to me. If your mortgage is sold to CENLAR I feel for you. I don't know to accomplish this but if it is possible to have some other mortgage company purchase your loan DO IT!

Cenlar, claimed they mailed me a paper to sign agreeing to the forbearance, which was never received. They are now sending me this document, and because they stated I never signed I but paid everything on time, they reported it to my credit. I have tried calling them again for this, but I'm constantly on hold and I am not allowed to access my account from their website. I am seeking legal action against this company. As their employees are very poorly trained to handle anything. I am looking forward to the day I no longer have to deal with them. Avoid this company at all cost.

So we kept saving our money and then yesterday after sending in all of the paperwork I called to where the process was. They said that we were in foreclosure because we had not sent in the right paperwork, even though we did receive no additional letter saying that any more paperwork was needed. That same day after I got home we had a letter from a lawyer saying that we were now in foreclosure and that we owe the full amount of our loan. Each time I would talk to a different person on the phone they would tell us that yes we had all your paperwork or no we didn't have a your paperwork or we had three copies of your paperwork. Never consistent.

So my husband finally called today and they said there was nothing they could do to stop the foreclosure process, we just had to call the lawyer and Faith pay the full amount of what we owed including the 3 months of forbearance they had offered in the beginning. He asked handedly if there was a supervisor that would be able to take us out of foreclosure to which the customer service representative replied, "No. Not really. You can try to wait it out but your house will go into foreclosure."

We are responsible people who did everything they asked and they still managed to put us into foreclosure. Luckily we set our savings aside for each month and are able to pay the full price, but know that other victims of hurricane Harvey will not be able to. This company should be ashamed of itself and the federal government should do something to regulate what it's doing to other people who are in crisis and have gone through the traumatic events that hurricanes bring.

After calling the county clerk on Monday 3/19 the taxes still haven’t been paid. While speaking to the person at Cenlar they said they paid them, and they can send info to the escalation dept and they will get back to me in 2-3 days. Absolutely absurd, I will not wait for someone to call me back. I am on hold waiting to talk to someone who I guarantee will have no idea what they are doing. DO NOT USE CENLAR BY ANY MEANS. THEY HAVE THE WORST CUSTOMER SERVICE. THEIR EMPLOYEES HAVE NO IDEA HOW TO DO THEIR JOB. I am currently looking to move our mortgage to our credit union. I will absolutely never do business with such a bad company.

A few weeks later, the buyers received a refund for "OVERPAYMENT" of premium. It didn't sound right to me, but again, it was allegedly verified by the Veterans First team. Shortly thereafter, Hurricane Harvey hit the Texas Gulf Coast. The Buyers' house was damaged. They tried to file a claim with TWIA, but they couldn't find the policy. So in checking with GEICO's connection in Texas who was supposed to take care of it after receiving funds, buyer was told "no premium payment was received", so no insurance. When we tried to get Veterans First to help, they refused.

When we investigated further, we found out it was Veterans First's error in their instructions to the title company and subsequent error of Wellington Insurance (GEICO's assigned agency) that both affected whether or not the buyers had any TWIA coverage. It was not until we threatened to sue that Veterans First had their attorney contact me and lead us to believe they were going to fairly settle the claim. They asked me for proof. We sent "some" emails as evidence of what the buyers requested for insurance versus what Veterans First made them use. Suddenly, even with proof in their hands that Veterans First made the initial error, their attorney stopped communicating and has made no effort to help out the veteran buyer that they allegedly care for.

Fortunately, at the advise of a professional who had a lot of legal dealings, we weren't stupid enough to send all evidence, including the recorded phone conversations that proved the loan office had no clue about TWIA coverage. So now we are filing complaints with the State of Texas against Veterans First, iFreedom (their parent company), CENLAR who Veterans First sold loan to and who sent letters with false information to the veteran and then promised to investigate (but also has cut off communications), GEICO, Wellington Insurance and StarStone National Insurance (affiliated with Wellington). RUN RUN RUN!!! Stay away from this lender and Veterans First.

I faxed Cenlar the house insurance documents, but they did not reply, when I call, they tell me they have 30 days to investigate, just like last year. However, no one from Cenlar ever helped me. I do not know where the over-payment of house hazard insurance went. Again, last year, according to them, they paid over $6,000 for my house hazard insurance; However, my house hazard insurance was only $4,001.00. Cenlar tells me that it will take 30 days in investigate, but this has been going on since last year's escrow shortage and they never gave me a response. The same theft is occurring this year. If I don't pay the shortage I'm afraid they will do something worse or that I will lose my house. I don't know what to do. I'm not getting any answers from Cenlar. This company is full of thieves.

My mortgage payment started at $1,685, which is a fixed 3.75% loan. Next month it will be $2,050.55 for the rest of this year. I don't know what to do, this company has even hung up on me when I call to inquire. Horrible situation!!! Please any advice!!! Also, on several occasions, I have faxed a letter requesting to be removed from Escrow, but no reply from them and nothing gets done. I have been told to refax the letter over 10 times and I have.

Cenlar Loan doesn’t care about their customer. We need to bring this unprofessional people to the media and actually filled claim cause they think this is not serious and play around with us. This is our house. We pay monthly at least try to be on time so we don’t lost our house but this stupid customer service in Cenlar Loan including the managers are very rude and unknowledgeable people. God I hate this people. This kind of business should shut down. Now I’m late and got two fees.

What is Cenlar basing these insurance requirement on? Ironically, Cenlar will not allow us to pay all (original + additional required) flood insurance to our current ourselves. They are requiring us to use an escrow account, where they manage the payments. We do not trust Cenlar a little bit. We are worried that Cenlar will purposely miss the premium payment and we will lose our policy; then be forced to buy the insurance through Cenlar. This is just one of many unfortunate issues we have had with this mortgage company. We are more than happy to take a stand against their business practices.

Updated on 05/10/2018: After many emails, several calls and a letter, I called again to get my escrow account adjusted since I paid 2018 RE taxes in Dec 2017. I was told they had me down for wanting removal of escrow account which could not be done until Aug 2019. Where did they get the idea from? I never asked for that. I will never do business with J.G. Wentworth again. After 12 contacts, emails, calls, etc., I was told that they will not make an adjustment review until July 2018. Why didn't they tell me this the first time or any of the other previous 10 contacts? Each person had a different answer. INCOMPETENT servicing department. PS - Until my encounter with this company I have never filed a complaint like this. They deserved it.

So in mid Nov 2017 I finally (after about 30 calls I made to them) received word that they approved my modification. But wait... Instead of paying my normal $1603.00 a month it was now going to be $1667.00 a month. I was floored. All the bs I went through for months and months and months - all for nothing. So naturally I appealed it (they are out of their mind) to think I was going to pay $60 more a month when I was current on my mortgage and asking for a mod to lower my payment. So I sent in the appeal 2 days after the decision was made. I learned my lesson from the months of bs I went through. I called to verify they received it and was told they did. They even read word for word what I sent. Ok so I was settled. I called about 6 times, was always told no notes were posted. Here it is Feb 14, 2018, 3 months later and still all the bs. I was told today that they cannot see my appeal and that a supervisor would call me back.

I am furious!!! To say the least. So here it is 7 months later and they are still **. I wish I would have had a chance to not go with this mortgage provider. I have had nothing but ** and run around from them during the absolute worst time in my life. DO NOT DO NOT DO NOT choose this company because you will have nothing but aggravation and run around. The customer service is the worst I have ever ever encountered. STAY AWAY.

It took me two weeks after leaving numerous messages to get a callback then I was told I had to agree and give them permission to withdraw it from my account and I could not make the payment online. I paid the $4074.94 in 2 payments. $2709.64 Nov 16 and $1365.30 which they did not post until the full amount was paid. To add insult to injury I received on a average of 6 collection calls every day for the past 3 months. Cenlar is the most despicable company I have ever dealt with. What is wrong with this country when the Federal Trade Commission allows this to happen in the midst of a disaster. There should be a class action lawsuit filed against Cenlar.

I researched it and found out that HUD oversees Cenlar and I made a complaint there. So then I found out that they had to do a loan modification because I had a change in income. The loan modification has become a nightmare. They finally did approve the loan modification, however they didn't notify me that it was approved. I called on December 27, 2017 and was told that it was approved, at this time I asked when my new payment amount would be due and how much it would be, was told the amount but not when it would be due (because it was not in the system) and that I would receive a letter in 7-10 days with the new payment arrangements. Never got a letter, so I called again on January 11th and was told at that time that my new payment was due on 1/1/18 and that I missed it, but don't worry it was ok, (the terms of the loan modification states that I must make 3 months payments on time for the modification to become permanent).

So I called HUD who then in turn faxed me the letter of approval on the modification dated December 28th. (Mind you they are threating foreclosure). So I had to mail my payment to them on January 11th by certified mail. They received it on January 16, but did not process it for 14 days. Then turned around and sent me a letter saying I failed to make my payment on time. So I called them again and at this time I was told the payments were due on the 28th of the month and that I was not late. However the letter dated December 28th says that it's due on the 1st of this month. So frustrated with them. If you have them you should file a complaint with HUD just to document everything. Also send everything certified mail and keep a log of all phone calls and dealing with them, copies of letters back and forth to them, just in case you need it in court.

Once transferred the service rep had a extremely strong accent and I couldn't really understand her. I asked to please be transferred to someone that I could better understand. She stated her system was down and she couldn't transfer me. I needed to call back. Mind you, I had been on this call for about 2 hours now and I'm totally pissed because my payment was sent 3 weeks before this call was placed and I'm being ping ponged between customer service reps. So after calling back and being on hold again for just about 2 hours once again in ping ponged between customer service reps again.

Finally, I'm connected with someone who I can understand and after for the third time explaining the situation she says "oh, I see the check; it's being processed". How is it that I speak to four different people and no one can see that the check is being processed? How is it that the agents whom work in the collections department can't see payments being processed in the system, but the customer service reps can see it in their system. Payments can be made over the phone with the collections department, but pending and or processed payment can't be seen by this same department! How is that even possible? The customer service really suck, this company is out to get any extra money it can get from the consumers. I wish I can change mortgage companies because this one suck big time.

Apparently my home loan was transferred three months earlier, I received no notice of a transfer, and I have continuously paid my loan to my previous mortgager. The info they had was correct, but instead of being helpful in letting me how to get in touch with the new company, she was again condescending in repeating the loan was transferred. The company it was transferred is called Lakeview? That is all I was provided. Whoever Lakeview is, I would like some form of notice and I strongly recommend that Cenlar is not used for your customer service, specifically Renee.

At the end of 3 months Cenlar posted a notice on my door saying my payments were 3 months behind. I called Amerihome and they demanded 3 months payment or a short sale on my house. They said someone could meet with me in person to go over all this and I thought that would be good. Then a person from yet another company, a subcontractor I assume, called me and offered to go over my loan and explain. I simply went ahead and paid Amerihome the 3 months even though that was a drain for me. I'm sharing this story so others don't learn the hard way that Cenlar and its affiliates are disorganized and sneaky. They'll tell you that you have a forbearance when you don't. I can only assume that they make a profit from certain borrowers who get fogged and tricked.

Anyway, I proceed to register again - and now it says my password doesn't meet the requirement. Excuse me? My password went above and beyond the requirements. Your logic is skewed, and should allow for multiple special characters, not just one of each. This is beyond stupid. A password like "Sunday12!" is accepted as meeting the criteria but a password of "Sunday_12!" is not? WTF? Ridiculous. And after filling out all the registration information, including creating a "weak" password, the system tells me "There has been an error. Click on the CHAT NOW button for assistance". Great, another roadblock, but talking to someone should help. But guess where the Chat Now link takes you? Here: https://service.loanadministration.com/.

The chat is not existent, and has a redirect to the link above. Guys - IT DOES NOT EXIST! If you removed it, SAY SOMETHING and fix your processes and verbiage on your site. Remove the links and references you have everywhere on your site. I cringed when my lender transferred the servicing to CENLAR. The worst part is that consumers have no say in who services their loans.

I asked to speak to her supervisor and she told me that she was unable to transfer me or give me their phone number but that I could email them. LOL. I complained to the office of the comptroller. Unfortunately we cannot choose our loan servicer but I plan to bring this website to the attention of the VA loan administration. I suspect it is very easy for them to say that Cenlar cannot service VA loans. I suggest you people who have VA loans contact the VA and complain as well. I was in banking for twenty years and have owned several properties and have not had an experience like this yet. When people behave like this you have to start checking their figures too.

HOW is this helping anyone and how on earth can someone afford $4k upfront after 3 months of no payments and no work??? DUE IN FULL? Really? Our other options were foreclosure, short sale or refinance? NONE of this was explained in the beginning. Someone please tell me how these companies get away with this? We were told we would have minimal payments or payments added to the end of the loan... Someone needs to make this right...and now our account shows late fees?

They would rather throw you out of your home than work with you. This is the most non American company ever!!! Cenlar mortgage company you all are a joke. They have the worst customer service just the worst everything all the way around. I mean really how many times does anyone want to keep pulling out their father's death cert and send it send it. You guys suck and are very hurtful. Your company does not even deserve 1 star. You deserve nothing because that it was you give us hard working Americans trying to survive. Very very pissed off daughter. My father's home is all I have left of my dad. Disgusting disgusting disgusting.

Every month thereafter I spent a minimum, let me say this again, A MINIMUM of 4 hours a month in one phone call simply trying to pay my inflated mortgage payment. This goes on for another 2 years. A monthly payment that was 1200 a month was inflated to almost $2200 over the course of about 16 months. During the time of dealing with these people on the phone I have been lied to, degraded, and threatened with foreclosure notices for a problem that I did not create in the first place. At no point was I contacted about an escrow shortage. (Trust me I would have paid it cash) But this company practices predatory lending from what I can tell. I can go on and on with these horror stories, but neither of us have the time.

Let's flash forward to present day. After this company has made my life a literal living hell, almost caused a divorce, and borderline pain a suffering. I sold my house just to get out of their "contract". I've been out of my home for 3 months and they now owe me money for an escrow account. (Interesting though it was short.) Long story these people can not talk to each other between departments yet alone to the person sitting in the desk next to them. They were nice enough to send me a very substantial check for the overage in my account. Only problem it was a hot check. That's right. They can't even write a good check when they owe YOU money. I'm now on 33 days of dealing with them trying to overnight me the money that is owed to me. 3 supervisors later and I still can't get anyone to give me a tracking number.

Take your time Cenlar, I'm going to use it as my retainer to sue you anyway. Long story short, if you have the misfortune of having to deal with the most incompetent, malicious, hateful people on the planet earth. Do WHATEVER IT TAKES to get them out of your life. Every 1 star Google review can't be wrong. I'm assuming they will never see this review, 1 because they don't practice ethical business and could care less about their customers, and 2 I didn't use large letters and a crayon to write this. In other news just got off the phone with them and the check that I was supposed to 2 days ago still has not processed because they created two work orders due to a "mistake on their end". 1 star just because it's the holidays and I can't give you a ZERO Cenlar. Merry Christmas! Any lawyers reading this wanting a solid case, got all kinds of good info for ya that I can put on a review.

I have to call them in order to reset my password??? When they should have a forgot password link and make it easier for the customer but instead I have to call and be placed on hold or take a good part of my day to get a simple password issue resolved. I will post the website link bellow in case you are wondering what exactly I'm talking about: https://turgenev.info/cenlar-login-bill-payment-customer-support. After finding out that the log-in is on the main site under Contact Us tab... Why do they have it under there? This should be on the main page not under a misleading tab.

For instance, they will "accidentally/unintentionally" deduct twice the amount of your mortgage because you stopped the automatic payments a few weeks before (but for some reason didn't process) and/but you still made a payment. And now your bank account is probably in the red because of it. The representative I spoke with last week was the MOST helpful and understanding representative I've spoken with at Cenlar these past few years. The representative I spoke to just now basically scolded me without providing solutions to my issue, and I merely wanted to schedule payments that would be deducted at the time I expect them to be deducted from my bank (without having to guess how many days it take +/- 10 days for Cenlar to decide when to deduct the funds). I'm had it with this company. I'm comparing and looking for ways to have my loan managed by a better company.

Our insurance company didn't pay out for loss of belongings until September of 2017 and was nowhere near the amount that it should have been being that it was 20,000 dollars worth of belongings stolen they only paid out 5,000 dollars and just about 2 weeks ago I got another check for damages and still waiting on Cenlar's claims department to do their part to fix the damages to our home. I asked for modification packet more than 10 times and finally got the packet a month ago. I turned in everything they have asked for in a timely manner and they have lost at least 20 documents and I have submitted after submitted more documents than any one person should. I received a knock on my door at 7 am this morning Dec 13th, 2017 for a notice of a sheriff's sale on my house for Feb 6th at 10 am.

Being that this company is a joke and unprofessional as well as they lose more paperwork than they should I contacted Homeowners Protection Alliance to help me with keeping our home because Cenlar seems to want to not cooperate with their borrowers and stay in contact as well as be honest with them. This company needs to be investigated due to lack of cooperation and communication as well as not doing what a mortgage company is supposed to do. I have never dealt with a company that is so much of a headache in all my life.

In short: it is their mistake, a very big one, BECAUSE they do not process the payments correctly on my loan! My monthly payments come in two parts. If they are not equipped to handle these type of loans, "partial payments," they should not buy them. Each month, for years now, they have been placing my payments into "holding reserves," "miscellaneous," "unapplied funds," and other like holding accts. After the due date, they eventually process the payments (for the month). This causes my account to constantly be in "delinquent," "past due," and other negative status. After my account appearing to be "late," so often, a very rude representative named Miss **, takes my call one day, and says awful things to me. I told her how unprofessional, and rude, she is. How misled. She kept insisting I am "late," "delinquent," and my loan "is in serious need of assistance before foreclosure."

I was never anywhere near foreclosure, then, or now. I wasn't even late! Next, another fee appears on my monthly statement, shortly after that very stressful call with Miss **. A "drive by fee." So they call it. I provided Cenlar with four different ways to contact me, and they did not use any of them. Two phone numbers, an email address, and my home address. Not once, did anyone call me, email me, or stop by. Instead, because of Miss **, they charged me for a "drive by." Stating they do that when they are not sure if someone is still living in their home! Reality is that, I explained to Miss **, I am always home, as I am caregiver, 100%, 24/7, to my daughter who survives with a rare, and terminal, illness! I am always home! My home is very much lived in. Always a car in the driveway. Had they actually knocked on my door, I would have answered.

Miss ** took it upon herself to report me as "a risk," without justification, or any real cause. And so, to date, this "drive by fee," along with over $700 in late fees (accumulated over the years) are still on my monthly statements, and account! I have written umpteen letters, reported this to many supervisors who always promise to call me back, and never do. I have written to Cenlar online, via postal mail, I call them monthly... and they have no real explanation as to why this has been allowed to go on, all these years. To date, they still process my payments incorrectly. Recently, in September 2017, they sent me two very threatening letters stating my loan "is in default." I have my receipts (from Cenlar) "verbal authorization" letters from January 2017-December 2017, to date, stating I made my monthly payments, on time, every month this year, including September! And last year too!

Since they bought my loan, in 2013, I have only been late a few times (legitimately), and never past 30 days! Not long ago, I insisted a supervisor place flags on my account to avoid any more unjust reporting to the credit bureaus, & to avoid my account being charged any more late fees, because they ADMIT (this past year), they ARE processing my payments incorrectly! Yet, they refuse to remove all those past due late fees! Now, they claim "the late fees came over with my loan back in 2013, from the previous lender." Which is another lie, because the last loan servicer reports my loan as "current," "paid as agreed," and "transferred." I did not have late fees with my last loan servicer! Recently, in October 2017, someone (from Cenlar) removed the flags in place on my account to protect me from any more mistakes.

This caused my account to be "late," once again, and the representative reported my loan as "delinquent" to the credit bureaus! The worst part, Cenlar continues to process my monthly mortgage payments incorrectly, and because a false report was made to the National Credit Bureaus, this affected my score. Right now, while I am trying to purchase a second home, because the layout we currently have with all 3 bedrooms, and the full bathroom on the second floor, does not work any longer with my handicapped daughter. It is a struggle each day, getting her up the stairs to the second floor for the bedroom, and bathroom. I found out how much more Cenlar has hurt my family, by falsely reporting my loan, causing my score to be lowered, once again. To date, they tell me I cannot pay online like everyone does, nor can I call in and process my payments through the automated system (like everyone else does).

I cannot mail them in, because when I would do that (years ago), they would lose my payments, and tell me they never received them. The truth is, they were placing my payments into "holding accounts." One supervisor even shared with me, "someone put a stop on your payments," with no reason he could see. Payments I called in, ON TIME. This also caused my payment to appear "late." It was there the whole time, at Cenlar! I cannot get in touch with the "research department," who keeps avoiding my ongoing issue with Cenlar. They do not provide you with a phone number. They give you the main number to the representatives, who all have access to my personal information, and yet they can never assist me, or help me process my payments. I have to call in each month, wait on hold for very long periods of time...sometimes 45 mins., only to eventually speak with a "supervisor" to take my payments.

Even then, there have still been issues with the way my payments are processed, and credited. Many times, including this month, while trying to make a payment, I am hanged up on! I spoke with the 1st rep. who "verified my information," which is another ridiculously long process. Asking the same questions every month. Every call... "do you have a phone," "is it a cell phone," "is it YOUR cell phone?" What kind of questioning is this?! Over & over again! They hang up on me (because they are not professional, at all), and when I call right back and wait and wait they ask me all over again. I tell them, I just called in, I just verified all this information, and they insist I need to "do it again." It feels like harassment, and discrimination, each time I call in. The reps. answering my call, do not accept I have NO CHOICE but to ask for a supervisor to assist with my monthly payments, to ensure they are processed correctly!!!!

They take it personally, and put me on very long holds, then hang up on me! I have reported this behavior, and unprofessionalism, for YEARS! This is how they treat their customers. Eventually, after calling back several times, I reach a "supervisor," so they say it is. This person will take my payment (verbally over the phone), and this is supposed to ensure my payments will be processed correctly, reported correctly, and everything will be Ok. I am on time, every time, all year long! And yet, this year, they report my account as "late," many times, causing me serious hardship (with my credit) and undue stress. Whomever posted a review about forming together, to get help from this crooked company, I am all for it. I want the late fees removed from my account, and for my account to be reported in the good standing, it is!

Cenlar did send the credit bureaus a letter, recently stating my account is not late, and is in good standing, HOWEVER they still process my payments wrong, mistreat me, forcing me to call in every month just to make a payment. The damage has already been done, and they still have yet to remove those unjust late fees from my statements! I have a file on Cenlar the size of a Yellow Pages (when phone books existed). I have documentation from each time I called in, wrote them a letter, waited on hold. Today, it took them 23 minutes to process my December's payment! I explain to them (often) I am 100% responsible for the care of my daughter, who has seizures, and relies on me for all her needs. I explain, I cannot sit on the phone for 20 minutes, or longer, each month I have to call my payments in. This is not right. It's unfair. I should be able to make my monthly payments the same way the majority of customers do.

I should not be subjected to such mistreatment just because I have to call in each month, and explain to every representative, why I need to make my payments with a supervisor, so someone there doesn't process my payments wrong, causing me greater problems, unjustly! I am seeking permanent resolution. When Cenlar sent the letter to the credit bureau stating my account IS in good standing, they also stated "your loan is being transferred." I was thrilled to read this! Good riddance!

This is last month's correspondence from them. To date, I have yet to hear anything else about WHOM is my loan being transferred to? WHERE is my loan being transferred to? WHAT is that contact info.? When I ask the latest person to take my call, to Cenlar, they claim they have no idea what I am talking about. Really? How is it that they do not communicate in this business? They do not understand all loans, and they do not know what the next department (in their company) is doing??? I am relieved to read I am not alone. United we stand! Let's do something about this!

They do not care about the people affected by the storm as they stayed in their recorded opening statement. This company is such a scam that I plan to do whatever I need to in order to be treated honestly and fairly. We have never been late with a mortgage payment and we do not deserve this treatment. A lot of people were affected by this natural disaster, being unable to pay your mortgage and other obligations that are normally always handled on time, is just something that is out of our control temporarily. Also months before all this occurred I have been trying to work with someone about removing our PMI, and I still have not gotten anywhere with this matter either.

I went through a similar problem when my loan was transferred to them and had a tax payment made ahead they would not give me credit for, it took me a year to get back, this was last year when I refinanced. They refused to review escrow for overpayment until account was active for a year. Hopefully I will get the rest of my money back come December, I just would rather put it toward principal or have my payment changed rather than let them sit on. I really think the answers they give are on purpose to delay as no one can be that untrained, they just know they can waste your time and delay you. I think they stay up at night thinking and coming up with more delay tactics.

In response to my complaint that I was not given adequate notice to even make a payment on time they said it didn't matter because I get a 60 day grace period when a mortgage transfers. Sounded a little fishy but I mailed a check. A week later it still wasn't removed from my account so I called back concerned. The automated phone service told me it had received the payment so relieved I waited. It took a while other week for it to come out of my account. By this time we are going coming up to November. I still haven’t received a statement so on November 4th I called and made a payment by phone.

Two days later I noticed it still hadn't been discounted from my account so I called and spoke with a customer service woman and was informed that they will process my phone payment after the end of the business day (November 6) but then it would still take 3-5 days to come out of my account. I expressed frustration over no statements, no substantial information that I was given regarding this company. I was directed to a website that has no identifying information it even belongs to a bank, or any legitimate company. It has no company logo, and it looks like it was designed by high school students in the 90s. I'm hesitant to honestly put my social security in a login page that at best, looks like something a scammer would be ashamed of.

I am legitimately terrified on how to make a payment with this company on time in the future. I'm terrified my credit that I've worked so hard to make perfect is good is going to be destroyed by this company. I don't even know if they are applying my payments since I can’t get a statement. I regress, I've done some research into what I can do to try to protect myself from this sham of a company and I started by filing a claim with the Consumer Financial Protection Bureau. More people need to do this, this is the governments watchdog and you have some protection over being reported for late payments etc. while your claim is being investigated.

This also forces the company to respond to the complaint with the government. Please look into this! I have an open case but it didn't identify any other complaints about this company. consumerfinance.gov (855) 411-2372. There is power in numbers, something like this company shouldn't exist in this day and age. Everyone here should file a complaint if they have a reason to do so.

The man on the phone said they showed $256 was due in a month. I said, "What?! I have the tax bill in front of me and it says $2,500 is due!". They told me to fax them the tax bill I have so they could fix it. I faxed it and emailed it. They responded to my emails with "case closed". Which DID NOT answer my question or confirm I would not have to pay late fees and interest again! I created ANOTHER email inquiry asking AGAIN, and they responded with, "you don't need to submit your property taxes, they are paid through escrow. Case closed." I'm so furious I don't know what to do.

I have since sold my home and now they are trying to hold onto my escrow balance paying for PMI insurance in arrears, so they say, cause that is how they pay this insurance, and then paying for the month that the house was sold in. It was sold and they received the funds on the 3rd day of October, yet they paid the PMI insurance for the entire month of October. I would highly recommend that if you are thinking of taking a mortgage out with this company to stay clear. Also fight like crazy if your current mortgage holder tries to sell it to this horrible company.

The representative assured me Cenlar would never do something like this so distasteful and that this wasn’t the first complaint about how these door notifications upset their customers. She promised she would look into it so the letters would stop. So I’m supposed to just what? Deal with my neighbors knowing my business? I have yet to receive a response from Cenlar nor the name of the company they contracted to send out their collection notices. Contacted a lawyer who will meet with me Saturday because I’m not letting this stay like this. This clearly violated my privacy. I can’t believe they would do this! What happened to normal CLOSED letters?

So I paid in person and it finally went through, but I had to still pay the extra fees they gave us! They also said that they didn't see an account online so I had to re-do that. I found out as I redid it they misspelled our names! I fixed it so the next payment would go through, oh and boy it did! It went through 2x! They again blamed me and said that I did it on the computer and told me to take it up with the bank! I told them that they had our name wrong and I had to fix it and then the automatic payment shouldn't of gone through because you guys said I wasn't in the system! All they said was well it says here you set up an automatic payment for October 7. Well if this went through then why didn't my first one go through?! They are UNBELIEVABLE!

So like a responsible consumer I contacted the payees and updated my banking information, whether online or over the phone. This is where the story gets good. The last one on my list is CENLAR- only because I have a BUDGET PAY PLAN (mortgage is deducted every 2 weeks from bank account). Tried logging into their crappy webpage, which gives me no useful information on how to update my banking info. So I decided to call them- first person I spoke with Tina was nice, attentive, even informed me that they are unable to update the banking info over the phone. I must fill out the form that they were going to mail me. I asked if they could email it or fax it to me and stated they would do so. Lo and behold 24 hrs later still nothing, so I decided to call again. Spoke with Eric, said the same thing and nothing. Another 24 hrs later (Day 3) spoke with David and again nothing.

Today I spoke with Cheryl and was told that I could email them the bank account information or just fax them the information on a sheet of paper and they can update it. ARE YOU SERIOUS MORON!!! So I went off on poor Cheryl, but I did give a piece of my mind. I raised my voice and told her that if I am doing my due diligence and requesting a simple form to be sent to me there is no reason to have to mail it. We live in the 21st century- it should actually be on their website where the consumer can fill out the form or even in the consumers online account so they themselves can do it. But no now I have to wait 3-5 days to receive the form in the mail fill it out and return it to CENLAR.

This experience has led me to consider refinancing and having my mortgage be picked-up by a credit union, traditional bank or established mortgage company. This company needs retrain their personnel, fix their crappy online consumer account, add forms to their website so consumer are not at the mercy of inept customer service agents that are not willing to help, just read what's on their computer screen and not think outside the box.

We called the first month we knew we were going to miss a payment to go over the options we might have, waiting until you are 2+ months behind will not work in your favor. IF you decide to go with applying for a modification complete ALL necessary paperwork and do not skip any answers and make sure you attach everything they request. Either FedEx or fax the paperwork in (after making COPIES) and TRACK it. Start calling a few days after you have receipt confirmation. Cenlar does not handle HAMP mods in house, they outsource to Bayview/Lakeview. This will be a time consuming and agonizing process... It is A LOT of paperwork and sometimes "pieces" go missing. You need to keep copies of everything, send everything in a manner that can be tracked and call, call, call to follow up.

I have to be honest, as much as the paperwork and calling in to be put on hold, transferred, etc. was a pain I did not have a "bad" experience. My HAMP mod was approved with a TPP and the terms were explained. I did everything they requested, sent everything they requested and kept copies of everything; I also kept a log of every time I called, who I spoke with and what they said. It is going to be a pain and it is going to be time consuming but it all makes a huge difference. Once Bayview/Lakeview and you complete the Trial Period they will send it back to Cenlar. Then you will get the final paperwork in the mail to sign and have notarized. They are very clear in the packet that there is a deadline and that you must leave no blanks.

Our mod was not cut and dry or easy due to some issues that we have but I provided anything and everything they asked for and as of today our HAMP mod is complete and the information has been updated on our online Cenlar account. I know most people just come on to complain but I wanted to give some people hope and maybe some advice that will help. Cenlar has not been a nightmare for me and even though the mod was a royal pain; it was to be sure I kept my house and my account in good standing so I was more than willing to submit, resubmit and follow up multiple times a week (and yes I do have a job).

I thought I was losing our home. Me, my husband and our 4 children's home! I called a lawyer who threatened them with a lawsuit. Long story short, our credit has been ruined. We still have our home but our mortgage is "under water". We've been paying on it since 1998 through 5 different companies and won't have it paid off until I'm 84! I'm 53 right now. Can't refinance because our credit's ruined. What's worse we owe almost the same as when we started because I had to pay Cenlar's lawyer fees! Can you believe it? DON'T DO BUSINESS WITH THIS DEN OF THIEVES! They need driven out of business!

I applied for a modification, went through the paperwork process and made all of my special plan payments ON TIME in November/December 2016. I was told by Cenlar that the modification process can be a very long process and to remain patient. I trusted them! I never received any correspondence regarding the modification process except for ONE LETTER stating it was approved with a copy of the lot my home was located on, etc. Every time I tried to call I was hung up on when transferred, received voicemails, circuits were busy several times when I called and no one that I spoke with could ever answer my questions properly... It was frustrating.

Somehow, I FINALLY got a hold of a representative who was supposed to be managing my loan. I explained my frustrations, the fact that I had no idea where they were at in my modification process because I have received no correspondence, etc. and she placed me on long holds SEVERAL TIMES and seemed just as confused with my loan as I was! She said that she would have to pass my loan information to her supervisor because things did not look right with my mortgage. It took about a week and a half to TWO WEEKS to speak with the supervisor Jim.

Jim stated that my loan was compromised and I asked him to explain. He stated that my modification was approved but Cenlar MISALLOCATED my funds and it was their fault! He stated the funds were NOT allocated properly so they were trying to correct the mistakes, allocate the funds properly and that everything would be okay and I was not on his radar for anything to be wrong or for my home to go into foreclosure, etc. He reassured me and I believed him. He seemed sincere and owned up to the mistake Cenlar made. Jim said as soon as the mistakes were corrected I would hear from him to proceed with making my payment.

I never heard from Jim again. Over the last couple of months I would see very odd things happening with my mortgage account... I would receive emails saying there was a $6000 payment made on my mortgage account or a $1200 payment. I knew that it wasn't me making payments that large. It was so confusing. So, just 4 days ago (8/17/17) I received a letter in the mail that my home is going into pre-foreclosure. I was SHOCKED. STUNNED. I feel so very lost and confused! I called Cenlar immediately... And it didn't help at all! I explained my whole situation to the representative and asked for ANSWERS but she didn't have ANY! She was making excuses and all that she stated was my loan modification is no longer active!!!

The only thing she could say was she would send me a loan modification packet of some sort to fill out and return to try to save my home!!! She said there are different options to try to help me but... I already went through this before! Why would I have to do it again, especially for something that wasn't my fault? And I lost a modification I was actually approved for because they didn't allocate the funds properly??? That is their fault, not mine! The representative said the modification I was approved for was the HAMP but now I am not eligible to apply for that particular one again! The representative then stated "Please stop crying. It will be okay. As of right now there is NO SALE DATE for your home and once we get the packet of paperwork from you it's possible to put any foreclosure activity on hold." It felt so surreal to hear this.

I need help. I need to seek some type of legal help... I honestly just don't know what to do. I am so worried. Cenlar will RUIN LIVES. I am a single mother of a beautiful daughter and we have no other living family members. I was the first homeowner in my family... And we will virtually be homeless if I cannot resolve this. I am so worried and angry. I feel helpless.

I have called multiple times to try to get this resolved, and still, 4 months later, nothing is fixed. Today, I was told the reason the payment must have posted late is because it must have come in on a Friday after 5 pm so it didn't get posted until the following Monday. Then she goes on to say, they can hold a check for up to 5 days! What?! Isn't that illegal? When I called previously, I was told that they have no control over when a check is posted by them. What? How can that be? I've asked to speak to a supervisor on two separate occasions and each time after being placed on hold for 10-15 minutes to have them return later and tell me that one will have to call me back. I have even said I don't mind waiting on the line if one will talk to me today, and the representative said that she can't have me wait on the line, because I'll be tying up her line. Unbelievable! I just want answers and this late fee reversed and can't seem to get anywhere.

The sad thing is, I know I probably won't win and I'll be like so many other consumers who are taken advantage of by companies like this. It's just not right. Since this has been happening, I got online to see what kind of experience others have had with this company. I was shocked to see I'm not alone and that there are hundreds of negative reviews about this company! How is this company still in business??? They are apparently one of the worst mortgage companies in the nation. If you have a choice, stay away from Cenlar as your mortgage company.

I was paying bills in June, and saw on the statement, Payment Due, $272.01. I paid $272.01 thinking that was it. Well, it turns out I was $4 short of the real payment, which was $276 and change. (I ultimately paid the July payment, instead of the June payment). So come the end of June, they reported me 30 days late, for a $4 shortage. When I called to pay the July payment the rep informed me I was 4 bucks short and would I like to bring my account current? I didn't know what she was talking about. I looked at the statement and discovered the problem.

I wrote a "goodwill" letter to them explaining why the payment was $4 short, and could they please review the file and have a little compassion or understanding for an honest mistake, and remove it from my credit report, as all is paid and current. (I am trying to refinance my house, and now have to wait a year to get this off my report.) I got a letter from them stating since it wasn't their error, they wouldn't remove it. It doesn't hurt them, it's no skin off their back, and I know for a fact that companies can do this as a courtesy. A little customer service goes a long way.

I then spoke to a so-called customer service rep who said that by law they have to report a delinquent account, which I understand, but what I don't understand is why they even have customer service reps to help their customers, in cases like this, if they refuse to do so. Back in the 90s, I initiated a class-action lawsuit over a $35 late fee. It cost Fleet Bank over $3 million and I got a few thousand, for $35. It really doesn't pay to make me mad. Please get this out to everyone you know, their friends and their friends; and if you have a loan with them, REFINANCE! If you have had trouble with them, get the word out!

Was able to get caught up and then in July fell behind again. When I put my payment thru for the balance it was returned for ISF which was not true. The money was in my account again, tried to follow up to no avail, and giving the runaround. Now my house is in foreclosure and there is no stopping them. I'm back on my feet, my girlfriend was even approved for a new loan which would satisfy their cost, fees and entire mortgage but then don't care. They're just going to push it thru and leave another person homeless.

I have never had a PO box address. I have been receiving my statements for over a year to my property address which has been my mailing address with no issue. They have my property address on file. When they finally emailed me the PDF file it showed the bogus mailing address with my correct property address listed!! This is blatant FRAUD!! This is obviously intentional fraud for them to mail this 3 times according to their records with a completely bogus mailing address after they told me they put my correct mailing address in the system when it was sent supposedly correctly 2 times after it was sent to the wrong address the first time. God and the Lord Jesus Christ is on my side and I will be victorious!!

We were told by CENLAR that paperwork was coming in the mail but to-date we have received nothing. But rather, we find they've made an unauthorized transaction from our bank account and have made a situation much worse. Unfortunately, we ended up with CENLAR directly after closing our mortgage with First Midwest Mortgage and they sold off all of their home loans. Honestly, we would have never gone with the "small, local and friendly" bank had we known their intentions. It has been excruciating to manage and deal with the representatives from CENLAR. They are rude, unprofessional and frankly not intelligent with the business of home loans, etc. I am saddened to read all of these awful customer reviews and experiences. It is not right! How do we push the matter, legally? Class Action? Something must be done to deal with this dishonest company.

I did some research and found that there was a possible investigation by the Texas AG into Cenlar taking insurance payments that are to cover damages on a home and instead processing them for payment on the loan. After reading this, I let Cenlar know through their electronic messaging system I'd be contacting the Colorado AG if the check wasn't received by Mar 17. It wasn't. I called Cenlar back and spoke with a CSR who agreed the reason for the delay was it was most likely being processed for payment. She placed me on hold to look into it but when she got back told me the check was lost. She recommended contacting USAA to have them put a stop payment on the check and draft a new one.

We contacted USAA and did the stop payment. In between this time, Cenlar drafted a letter on Mar 23 with the original check attached and endorsed but now useless because of the stop payment. The second check was sent certified mail to the South Carolina office to ensure Cenlar would not be able to claim it had not been received. It was signed for on Apr 3 and later that day I was left a voice message saying it was being endorsed and returned to us. Then the person who left the message went over a bunch of steps were to take which included getting estimates, a W-9 from the company who did the work, etc.

Today I got the mail and instead of an endorsed check, Cenlar mailed a packet for all the stuff covered in the second portion of the message and a statement about sending them an endorsed check. Not sure what to do at this point. This is the shadiest company I've ever had to deal with. The abatement company is now over 60 days past due for payment and contacting Cenlar amounts to absolutely nothing. My only hope is that once the AG's office is looking into the matter and other customers have made similar complaints. Something like that could leave this company ineligible to take on government loans.

Now here I am again I sent another cashier's check and they can't find it. I ** hate Cenlar, Bayview, Lakeview. They are a nightmare as the one gentleman said you can't get ahold of anyone other than a call Center. They do not return calls and god forbid that they know how to respond to an email let alone send one. If you are late even by a week you can not log into your account online. A time out as you will. Incompetent, RUDE, INEXPERIENCED, THIEVES, LIARS, FATCATS, THAT ARE ALWAYS ON VACATION. I love my home. It's my home. But I am now considering refinancing to get out from under them or sell outright. Whew. I have more but it's a lot of the same stuff that a lot of others have said.

I spoke to a supervisor who ASSURED me that I would be kept up to date with all of this since they are violating STATE LAW and it needs to be dealt with ASAP. I have not received any calls, and when I called to ask for her, I was told they couldn't find her and they'd send her an email to call me back. DIDN'T HAPPEN. They also stated on my profile that I requested to be called back and updated. When I spoke to a different Supervisor, he told me "The callbacks don't usually happen..." WHAT TYPE OF COMPANY ARE YOU?

Right now, I am about ready to open up a lawsuit against Cenlar because they are violating state law and keeping thousands of dollars in my escrow account that THEY get to collect interest on that LEGALLY is not allowed to be in there for that reason. I hope someone reads this from Cenlar and takes a good look in the mirror about their company. It seems like the workers are underpaid and unmotivated to handle any of these issues, but if they don't, who will? I pray that I can change mortgage companies because your company has absolutely no clue what they are doing.

I wrote to them on March 9, 2017. I received a check from the insurance company on March 31, 2017 saying it was a duplicate payment yet I had informed the insurance company a month before that I had already pay this. I was on hold for a supervisor for over 15 mins and I still have no faith that the payment due on the 1st will be back to the original payment and it will look as if I had not paid my mortgage in full.

Just last week, I received a Mortgage Adjustment Statement again showing an increase in our monthly payment to cover an increase in property taxes. Cenlar adjusted our payment 2 months ago to reflect the proper tax obligation, refunded the overpayment, and now has entered the wrong, higher property tax amount once again, thus increasing our monthly payment. Of course, you never can talk to the same person and are required to repeat your story each time you call to someone new. I demanded a supervisor today and of course got cut off, and had to call back and start all over again!! They're going to "research" the tax issue, despite the fact it was resolved only a few months ago! Bottom line, they screwed up big time and until this is resolved, we're looking at a now $400 a month increase in our monthly mortgage payment! THE WORST MORTGAGE COMPANY I HAVE EVER DEALT WITH!!!

Immediately the Cenlar agent starts backtracking on the phone saying "Oh, this payment wasn't the issue, and was applied to your account appropriately". I explained that every agent I'd spoken with over 8 months had pointed to this payment as missing, and my loan activity clearly shows it wasn't credited to my account ever. The Cenlar agent clearly just wanted to get off the phone since my bank proved him wrong. The issue is not only Cenlar stealing payments and not applying them (forcing you to make another one), it creates the interest amount they report to taxes incorrect, and it creates an escrow shortage.

This leads to the next issue, escrow shortages and payment increases. Mid-year in 2016 I was sent a letter stating escrow was short and there was a $600 shortage. They said they'd spread those payments out to get it caught up. No explanation for the shortage, my taxes increased < $100 last year. I'm still paying an additional $100/mo on my payments... Well beyond the $600 they stated, and still with no explanation. When I called last week, they said it is reasonable to expect my payments to increase every year due to shortages. Again, insurance has not changed and taxes went up a whopping $9/mo.

So in Nov I'll be looking at a payment increase of $200 in less than 2 yrs of this awful company buying my loan. It's pretty clear there's sketchy stuff going on, and I believe whoever monitors these predatory loan servicing companies will eventually catch on. In the meantime, I've made a complaint to the Attorney General and the OCC, and will be hiring an attorney to communicate w/ them going forward and then a possible lawsuit. This company is not worth another day of stress to get nowhere.

Shortly after the refinance took place, Cenlar Mortgage Company bought my mortgage. On February 9th, I got a letter from Allstate insurance stating that my homeowner's insurance was about to expire and they hadn't gotten payment. I immediately called Cenlar and was told that there were no funds in my escrow for homeowners insurance. I asked the gentleman on the phone to check again. He put me on hold and said that indeed there was money and for Allstate to fax a declaration page and the bill. They would overnight a check to Allstate for the correct amount. I immediately called Allstate and spoke to Lori ** and she said she would send that fax immediately.

On Tuesday, February 21st I received a letter from Cenlar stating that I no longer had homeowners insurance and to avoid forced insurance I should consider getting my own. I called Allstate and spoke to Lori ** again. She stated that on February 9th she faxed the information to Cenlar and never got payment. She immediately called Cenlar on my behalf and we had a 3-way conference call. We spoke to a customer service representative that couldn't understand why Cenlar never sent a check because it showed that money was in my escrow.

After an hour and a half on the phone, we got no answers. We asked to speak to a supervisor and she denied us that. She said there were no supervisors on to speak to us. She told Lori from Allstate to refax the declaration page and bill. Cenlar would overnight a check to them. In the meantime, I had no insurance coverage on my house. Lori faxed the information again to Cenlar and followed up with a multiple phone calls the next day.

On Wednesday, February 22nd, Lori from Allstate called me and said she had Cenlar on the phone. Again we had another 3-way conversation about my homeowners insurance. This customer service representative said the request for paying my bill was denied. She stated that I did not have money in my account for my homeowners insurance. At this point I became irate. I asked to speak to a supervisor and was told that we would be the 8th person in line. We were unsuccessful with getting a reason as to why this was happening. She told me to fax a letter to Cenlar stating I wanted my mortgage readjusted to include homeowners insurance in the future. I was so upset because it should have been done all along.

I faxed a letter the next day stating I wanted my mortgage to continue to have money set aside for my homeowners insurance. I also explained the pain and aggravation that this has caused me and wanted compensation. I ended up ultimately putting the $690.00 homeowners insurance bill on my credit card because I was in jeopardy of losing the insurance plan that I have had for over 10 years. Allstate no longer carries the insurance that I purchased years ago which is considered a deluxe plan.

I am a single parent and do NOT have extra money like this budgeted. This has caused more hardship on me and my family. I spoke with Dawn ** from Embrace Mortgage Loans on Tuesday, March 13th because they were the ones that wrote my mortgage to begin with. She stated that by law with an FHA loan, the homeowners insurance money must be in escrow. Therefore if Cenlar hasn't put money aside, they should be responsible. I sent an email to Cenlar about this on Wednesday, March 14th and was told I would get a response within 24 hours. I have heard nothing from them regarding this matter.

The lack of professionalism with this company is disgusting. I have never had such a difficult time getting a straight answer from anyone. They do not try to help or resolve an issue. When I googled this company to get an email address, I found headings in the search engine that stated 310 top complaints of Cenlar. I read some of the complaints and felt that I was living the same lives as these poor people. Something needs to be done with this company. If I had a way out from this mortgage I would run. Unfortunately, I am stuck as I am in no financial state to refinance at this time. Thank you for your time in this matter. I hope my letter finds these concerns worth investigating.

It has been EXTREMELY difficult to communicate with CENLAR. I am highly suspicious that they are mis-managed, that their systems are broken, and their customer support staff is poorly paid since they are of no value in problem resolution. When I faxed the transaction details to them, I asked for verification that they received the information - no response. BEWARE!

When I called them (after having to wait 6 minutes before I could access a person, having to listen to an automated tape tell me random stuff about my account), they said that the letter was a reminder that my homeowner's policy is due in May. They just keep sending dumb stuff that I have to waste time on hold arguing about. I pointed out that their letter wasn't reminding me about homeowner's insurance, it was about escrow insurance. I just didn't have to waste so much time dealing with stupid crap with my previous lender. I would recommend you look for a better organized company with much better customer service.

On my last call spoke with one of the supervisor who tell me that the Homeowner Flood Insurance Affordability ACT of 2014 allow them to force me to have an escrow account. This is what it said in the ACT of 2014 "Requires federal lending regulators to direct each regulated lending institution or servicer of an outstanding loan to offer and make available to a borrower the option to have flood insurance premiums and fees, including any escrow of them, to be treated in a specified manner". WHAT CENLAR WANT IS TO HAVE ADDITIONAL MONEY IN THEIR ACCOUNT TO LEND. Poor customer service. NOT A CONSUMER ORIENTED COMPANY.

My second issue is still ongoing, and that was the notice they would be increasing my escrow payments to cover my homeowners insurance. My current policy renews the 3rd week of April, and I called to dispute that issue. I provided both verbal and written declaration by request that I would continue to pay my own homeowners insurance and that I did not authorize an increase in my payment. I was told it could take up to 10 days to process my request, which should have not been an issue given payment should have not been made for another 45+ days anyway.

I received a statement with the increased payment on it, so I contacted a rep again. The rep interrupted me numerous times, put me on hold for several minutes, then told me they would adjust my payment according to my new insurance. What? I kindly restated why I was contacting them again, at which time she told me they made a payment to my insurance company from my escrow 2/15. That is more than 60 days early, I did not authorize an early payment, and I requested a supervisor. I was told they would call me back that day, and I never received that call. The problem is unresolved and I must resort to calling the horrible customer service department again.

I called Cenlar to get the most recent statement for my loan to submit to the mortgage company that would be extending the new loan. When I received the copy of the statement I noticed there were late charges for late payments. I called Cenlar back and let me just say now, that trying to get a live person who knows what they're doing is next to impossible. When I was finally able to get to representative I was told that I was 2 months late making my payments. I told them that did not make sense because I have the mortgage set up for auto pay on a specific date. I was put on hold again and after waiting for about 20 minutes I was told that the record showed that I was delinquent 30 days and 60 days.

I told them I would contact my bank to find out what cause the late payments. The bank notified me that the payments in question did get processed and were received by Cenlar, but they noticed that Cenlar had opted for electronic transfers as opposed to receiving checks in the mail. What I found out during this process was that they had posted 2 credit derogatory posts. These posts caused my credit rating to drop drastically and that in turn put me into a higher risk category with a higher loan interest. My mortgage consultant, handling my new loan asked if I wanted to go through the process of getting my credit report corrected and I gave her a definite "yes".

This was the beginning of the nightmare. I was calling every few days for 2 1/2 months, spending hours on the phone, explaining my reason for calling each time to every person I spoke, sometimes to multiple people in the same phone call. I was given apologies, excuses, accusations, the complete gamut of stalling techniques to not follow through with getting the issue resolved. At the very beginning of this nightmare, I provided Cenlar with bank statements showing the payments going out of my account, a letter from my bank stating the same facts as the bank statements, conference calls with Cenlar and my bank to discuss the problem.

My bank had stated early in the process that Cenlar had returned a payment because they could not find the account, which caused the next payment to go into limbo as well for the same reason. During one of my many calls to Cenlar I told the representative that Cenlar had caused the problem. I had done my due diligence to insure that my monthly payments were sent. Many calls were made to supervisors, who most of the time were not available. I would ask for direct contact numbers and was told repeatedly that they did not have direct lines. The only assurance to talking to the same supervisor was their name and badge number. I later found out they "DO" have direct contact numbers which means they did not want to help with the issue.

Once they agreed to look into the late charges and posts to my credit report it took several more calls to get them to follow through with providing a letter to submit to the credit bureaus. I continued to make calls to find out where they were in the process and each time it was as if I presenting this for the first time. Finally in mid February I finally made a connection with Jacqueline and she contacted the department that would handle the dispute and after about a week and a half I received a letter from Cenlar acknowledging that derogatory remarks were made in error and that they would submit a correction to the credit bureaus.

As of February 15th I had to start the loan process over and I am now having to resubmit documents needed to obtain the loan and this huge delay caused my loan interest to go up from where it originally started. Needless to say I would never do any business with this company and will dissuade anyone I know from doing business with them. I am surprised that they are still in business because of all the complaints filed against them. I have read many of the comments made previously and I agree with every one the comments. This has been an ordeal I would not wish on anyone. I know this sounds outlandish but I have told the truth and have actually lessened the critique due to lack of time I could dedicate to this comment.

I have since that time spoken with 2 supervisors who both have not been truthful and realize it's February 11, 2017 and I have no check after being told on Thursday and Friday by supervisor Cortney # ** that it was overnight-ed... but she never sent me a tracking number... Gee I wonder why! Now it's still not here... At best they are untruthful and at worst they are just an unscrupulous business. I would also state my son who has a loan with them never received his 2015 escrow overage payment either. I will make one more try early next week but I believe it's time to contact the California Attorney Generals office regarding this specific business practice.

The third time, today, they told me that they were still reviewing my property information before they could make a payment. What does that even mean??? She then told me that they have a new process for handling delinquent tax payments, which only tells me that this happens quite frequently and told me to email them the tax bill and delinquency notice. They have an email address specifically for tax delinquencies!!! Well now February's payment is due as well. I would just like to know if there is any way to change loan servicing companies before my house is sold due to unpaid property taxes!

I'm just not understanding this. Plus I feel if you don't have enough employee to handle this type of loan process you shouldn't be taking on a short sale/foreclosure loan. It seems like they don't want to sell the house when the house is in a short sale status. The bank has a better chance of getting close to what they are asking compared to it going into foreclosure and then they would get less. Who would figure that's not rocket science. PLEASE EXCUSE MY WORDING. I am just so frustrated and this is so unacceptable. I just don't understand. Everything has been submitted in a timely manner, the sellers have signed off on everything that was asked and required, and the buyers has also did them the same everything has been done that needs to be done. Appraisal etc. What is the hold up. They say one thing then they do another or they are not returning the calls. It's always something.

About a month ago, I got a bill for $3,229 and was told that my house payment was going up $200 because of escrow shortages. I freaked. That is a lot of money to come up with for bill that was sent to me due in two weeks. When I contacted my financial advisor, one I have 401k through, they put me in touch with a loan officer they work with. When I spoke with him, he said there is nothing in 20 years that he hasn't seen and can't handle. Two days later he called me back and he said in 20 years he'd never seen anything screwed up as badly as my escrow was. One, they haven't paid my city taxes since July of 2016. When I said I wasn't sent to bill by the city, he said, "no, they would send the bill to the company who's supposed to be paying them." He told me that the city had not been paid and then they took everything that I had in escrow and paid it in one big lump sum which shorted me for the bill for the other half of the year.

Then they turned around and billed me for the entire amount plus $200 a month to cover 2017 and part of 2018. I have a very good credit rating, so it was easy for me to get another loan, but the interest rate is higher than the one offered through Cenlar. In this process, I found out that because I'm a teacher my appraisal could have been free. Cenlar charged me $500. I found out that I did not have to pay PMI points because my credit rating is well over 800 and I put down enough money on the house, but Cenlar built PMI into my payment. On my new loan, the payments are actually less than the original payments Cenlar had set up for me, all of this with the higher annual percentage rate. I Googled Cenlar and find out that 90% of the complaints are about escrow. I'm thankful I have good credit or I would have been stuck with these idiots. As is I'll be saving $50 a month with a company with an A rating. Buyer beware.

Updated on 05/29/2017: I wrote a review on this site about how these idiots screwed up my loan on January 28, 2016, specifically my escrow, and about how I spent the money, added another year to my loan, sacrificed a better interest rate and refinanced to get away from them. Well, before I made the second payment on my new loan, I was sold twice, right back to Cenlar. I cried for most of the day. I made up my mind to keep calling the places that Cenlar is supposed to pay out of my escrow. I will be watching this abysmal excuse of a bank very carefully because I do not trust them. Do not trust them. I will be working very hard to pay this off sooner than I should. I'd like to say "buyer beware," but most of the people on this site have Cenlar out of no choice of their own. I don't even know how that is legal.

Finally I get a supervisor and told her my story about the refund payment I was waiting for, since it was an electronic payment she required me to get a hold of my bank and have them fax all the info I had just given her. I did this and she called me back 2 days later and said they had found the payment and the " pay service" would get the refund back to my bank. She said it would take about a week. It has now been 2.5 weeks and I have not seen my refund YET! I have called her 3 times and every time she doesn't answer the phone so I have to leave a message asking her to call me and explain where my payment is at. So far she has not returned my calls and I doubt that she will.

This is not my first rodeo with this company. I have had nothing BUT PROBLEMS for the last 4 years they have handled my mortgage/ insurance. They have mispaid my Escrow insurance 3 years running. Each time it's a matter of at least 6-10 telephone calls with me getting no results from Cenlar but from the insurance people instead. As as matter of fact my insurance company did not want to write the wind policy because of the mortgage company but were forced to in the end because it is "a wind fund offered through the state".

The PMI Department explanation? "Due to current market conditions, and after reaching out to numerous available appraisal offices, we have located an appraiser that is able to accept the order. However, the fee to proceed, due to the current market conditions, is $1,050.00..." It's point blank extortion. Market conditions in our area actually make appraisals cheaper because of a declining demand, and the max is about $500 - NOT $1,050, and there isn't anything special about our home requiring a more elaborate assessment.

CENLAR is a nightmare to deal with. I was told by someone named Arthur in Customer Service on my first call to CENLAR that the PMI people only had a fax to which I could send my questions about the additional $575, to which I responded, "I don't have a fax. No one uses faxes anymore," and then asked to be transferred to a supervisor. They transferred me to someone named **. She said - no kidding - that the PMI people didn't have phones. When I repeated the notion that the PMI Department didn't have phones back to her, I think she realized how ridiculous it sounded.

At that point, she really did (I think?) try to help. At a point in our conversation, she let the name of the person's name who is handling our PMI removal slip. ** did end up giving me the wrong extension to call her back if ** did not call me on my cell (he did not). Today, ** in Customer Service was kind enough to track ** down though, but I didn't get to speak to **. ** couldn't - ?!? - even put me through to ** voicemail and suggested that she might be busy at the moment. We thought about re-financing just to get away from CENLAR after reading all of the complaints against them, but I learned that our loan could end up right back in their less-than-desirable loan servicing hands. I have followed up numerous times, but still - not even a response back from the PMI department. Not a word...

Just my luck it occurred when I was refinancing my loan. Cenlar makes my perfect history of paying early look like I'm delinquent owner. Cenlar customer service is requesting I make a 2 month payment at once to catch myself up. To catch up? WTH. Cenlar still has my money in their bank. Cenlar reversed the application of my payment but did not credit my bank account. Credit score is affected and refinancing was a roller coaster of emotion. Customer service does not document calls well. Nor can they resolve the matter. Email didn't work bc I received an automated they are overloaded with emails and once they did respond... All they had to say was I am delinquent on my account.

Yes I am delinquent bc your accounting cannot get it together and you are holding my money hostage!!! If it's too difficult to calculate and apply two payments, please just return to me my electronic checks back so that I can reissue you a pretty payment. I'm not a millionaire. I can't just be poof and throw an additional $4k your way when you make a mistake. Accounting needs help. Customer service needs help. Cenlar needs to help. I need help dealing with resolving the matter. Documented all my phone calls. Pro Bono lawyers want my case?

I contacted them today to make my January payment of $964.69 (original mortgage amount + what was arranged). Called later to figure out WTF with the credit report, they told me "it's the law for us to report delinquent accounts"... "WHAT!!! I'm not delinquent, I made an arrangement with you!!! I was not inform of this practice"... "Well, as with any other debt if is delinquent it had to be reported". "Well, I know that, but I'm not delinquent with you, I made arrangements so I did not have to be delinquent!!!" Conversation was not going anywhere. Then, "well I will inform the manager..." "Oh so there is a manager I can speak to after you told me that you were the only person I can talk to?" They said that the only way to talk to them is if they put a request to call me. "Well, TELL HIM TO CALL ME!!!"

Then she said, "if they take out that negative report are you going to pay the $1,160.00 to bring your account on track?" "WHAT!!! Are you serious, I just paid you $964.69 according to the arrangement and because of your negligence I HAVE to pay that amount so I can stop my credit report to get any lower!!!" That's insane!!! This company is the worst!!! What happened to helping customers who are making an effort to keep their homes and their credit reports in good standing?!? I did what I thought was right and because of the information they kept from me now my report is in the toilet and I'm dealing with trying to find over $1K so my report doesn't get lower. PLEASE DON'T GET A REPAYMENT PLAN FOR THIS COMPANY AND EVEN BETTER DO NOT DO ANY BUSINESS WITH THEM AT ALL!!!

Last month, in December, the company took the payment from my bank account on December 13th. I have the bank statement as proof. I called CENLAR and they said I owe a payment for both December and January, while January's bill hadn't even been sent to me as of yet. Also, every day I get a voicemail from the company saying I need to contact them. Every single day. Calling customer service is a headache in itself. Everyone tells me something different.

Today, I contacted them and after putting me on hold for ten minutes, she said she had found proof that I had previously sent in regarding my payments. She then left me with a customer service representative. The representative then told me the same thing saying I still owe for both December and January. This company has killed my credit from 712 to 600. I have to go to court because of this awful company that has harassed me, killed my credit and is overall an incompetent, irresponsible, and stupid company.