Cenlar FSB Reviews

Trying to foreclosure. I have requested deed in lieu. But all this crap. I’m beyond frustrated. I been asking about lost $20k since 2015. I think that I am literally sending them same requested docs just different sign date. Then they request it again stating my request for deed in lieu had expired. It’s ridiculous. I have hired an attorney to request docs to no avail. I have requested copies of checks since 2015. Now in my second foreclosure due to move and loss on sale. Bla. They still can’t prove where money went in 2015. They sent me check excess of $6000 and tried to foreclosure for under amount requested after they said they sent me a check. Wtfff. Class action only takes two to start. Email me my second email.

My father a Vet has recently passed away. I have taken over my father's home and making payments to Cenlar. They have stopped taking my payments now putting my dads home in a foreclosure status. They have given me wrong addresses, wrong fax numbers. I have sent them my father's death cert 3x. They claim it was never received. I call almost every day can get anywhere with anyone. They never note my father's account stating going through probate. I have jumped through hoop after hoop after hoop. No one listens to a damn thing you say. Wait to talk to someone for over an hour if not more. One doesn't know what the other is doing. This company CENLAR would rather take your money, sit on it or never put it to your loan. Give more runaround than the electric co. I truly have no respect for this company whatsoever.

First of all if you are reading this I'm assuming your loan has already been sold under the table to literally the most malicious company on the face of the planet. Let's back up 3 years. Just purchased a new home in Texas, one month later my loan was sold to the company Cenlar. All was fine for a few months then the red flags started popping up. One month approximately a year into my loan my monthly payment jumped up $400.00 a month. Make a call to Cenlar and they advised "We are not sure why there is an increase in your payment." It took me 3 weeks of dealing with some of the most incompetent people on the planet to find out that they made an escrow payment "on my behalf" in the amount of $3,000.00 and the 400 dollar a month increase was going to reflect that balance being paid off in a year...I'm not a math major or anything like that, but some things just don't add up.

Ins. Check issued 4 months after Hurricane flood. I got the work done and now the insurance company will not release the check to me. They wrote the check out to the mortgage company. Now the mortgage company wants me to get estimates for the repairs that I'm going to have done. I have already had the repairs done. I could not sit around in a sewer and smelly hours for 4 months waiting for things to come through the insurance company and Mortgage Company. The mortgage company refuses to give me my insurance check even though I'm the one who makes the insurance payments. I think I will just burn this check.

After refinancing, my loan was handed over to Finance of America Loan servicing department before CENLAR bought my loan from them... Wish I was still with them but unfortunately lucky me I'm stuck with CENLAR... What really frustrates me is how amateur their website is and not very professional. The links they have for log in page do not work. It takes you to their main page to apply for the loan. Other links don't even open and the "Forgot Password link" well that goes to About Us page. This is horrible and very irritating.

Just had my loan transferred to Cenlar to manage -- not only is their new website basically useless, they are unable to update it or allow me to make payments. I try to call but continually get rerouted. What an awful company.

I have a mortgage serviced through Cenlar, who are supposed to pay my insurance. My insurance notified me that the payment was overdue. I contacted Cenlar, who claimed my insurance had "expired" (it still showed active under my insurance portal), and claimed they had tried to contact me (they did not), and claimed they had been unable to contact my insurance, a big name company with very easy-to-find contact information. I went ahead and paid the insurance premium myself, including late fee, just to avoid a bigger problem in case I can't get this worked out with Cenlar.

My loan is under Cenlar (also known as Loan Administration, website previously www.loanadministration.com, now www.loan-administration.com). Customer Service Number 877-237-2662 (among many others). Be prepared to wait at least 30 minutes whenever you call customer service. I waited 45 minutes for my call last week, and 30 minutes for my call this morning. I've had Cenlar since 2014 and have been very dissatisfied with their customer service overall, especially availability and access, and the website with limited to unavailable online support until recently when they finally switched to a more "modern" looking website. It's very hard/difficult/frustrating/irritating speaking with Cenlar because it takes them days (sometimes more than a week) to process payments, and/or make changes to automatic payments.

If I could give them 0 stars I would! DO NOT USE CENLAR!!! Every single employee I've talked to is SORRY! They are not trained and they for sure are useless! They say, "Okay we will call you back," and NOTHING! I've been dealing with an issue caused by THEM for 3 months now! They "lost" one of my payments so I paid over the phone to find out that they keep reversing my payments even though my payments have cleared my account. They keep telling me I'm late when I'M NOT! They have reported it to my credit and dropped my score 81 points! I've sent in proof of payment 4 different times!!! And they still "can't find a payment." THE PROOF IS IN FRONT OF THEIR FACE!!! When I try to explain my issues to a rep they don't want to hear it and will not listen!! I've talked to supervisors, and they are just as bad!!! I AM BEYOND LIVID! DO NOT USE THEM. THEY ARE CROOKS!!!

I have been dealing with this company for far too long with the modification process. We had our home broken into. Everything was stolen and our home was vandalized in April of 2017. Our local police department did nothing to help me and my family. We had to stay at my sister's and brother in law's home while I had to get a protection order against the perpetrators to get them out of our home. They stole all of my banking information and drained our savings and checking account. We fell behind in May. I have been through a brutal process since then between my homeowner's insurance company Erie Insurance and Cenlar Loan Administration to save my home and keep it.

It doesn't surprise me to read so many poor reviews on Cenlar Central Loan Administration. I have been at their mercy since 2013 when they bought my home loan. Almost immediately, they processed my monthly payments wrong, only I did not catch on until a year, or so later. At that time, I began questioning why I had "late fees," & why am I "late?" I never received a straight answer, was transferred from department to department, spoke to many rude representatives who clearly do not understand different loans, nor do they understand how to treat customers with respect, and how to assist a client to resolution. To make a very long, and stressing journey (with Cenlar) shorter: I learn much later, they have been charging me late fees, over the years (and other unexplained fees). Cenlar has been reporting my loan, as late, to the credit bureau also, for years now!

They lie, they hang up on you when they don’t like what you are saying. It’s amazing to me that they are allowed to treat people this way and that they are in business. I plan to consult a lawyer to see what our rights are. They sent us a letter about forbearance and now we are getting a statement for three months and they are saying they are attempting to collect a debt. I have the letter and a recorded voicemail from one of their employees saying that our account is current. They state that each of their phone calls is recorded. I have requested that a person from their management team call me back regarding the length of time to get checks and I have not received any calls from management regarding this matter.

I received my annual tax bill with a 5,000 state credit for solar panels I installed. I have contacted Cenlar multiple times without being able to get them to do an escrow review taking into account both semi-annual payments. After multiple times I was able to get them to send me 1/2 the money only after they paid the first semi-annual tax bill at the new reduced price, this was a July bill, now I am still trying to get them to adjust my escrow and pay back the money for the upcoming final December 2017 payment, also at half. Yes I sent tax bill to them twice, with wise answers back that they already had and I did not have to send. They continue to send me back and forth with tax and escrow department, now it is 11/8/17 waiting over a month for next response and review.

I called Cenlar concerning a hardship and was told I would receive a phone call later from "someone" who could assist me with the issue. I could not be transferred to this "person" because they were not receiving phone calls at this time. I was told they would call in a 24/48 hr time period. Waited the 48 hrs and no call. Called again and was told that it would actually take 72 hrs for callback but they would reset it and put me back on waiting for a call. 72hrs past from the first phone call and to no surprise 48 hrs past from the second phone call and NO CALL! Worst customer service.

My mortgage was transferred to this company starting October 1st. I am going on the third year of owning this house and I have not had a single issue with payments. This is also my second time as a homeowner and I also never had any issues while dealing with multiple loan services and companies. I have never had a late payment in all those years. To start, this company sent a letter 4 days before October 1st telling me my mortgage had transferred. (They require by law 15 days minimum) They included no statement, no payment information, not method to pay, just a new account number. I called them up and I was informed that my first payment needed to be paid by check in mail and I wasn't allowed to pay by any other method in order to set up my account. I was also told Cenlar does not provide payment stubs or envelops so I had to buy my own and put my account number on the memo line on the check.

Last time my property taxes were due, Cenlar never paid them and I ended up paying late fees out of pocket (yes they are set up to be paid through my monthly escrow/mortgage/taxes payment). This quarter, I called ahead of time to confirm the correct amount would be paid by the due date (of course this requires an hour of waiting on hold). I had them tell me the amount to pay instead of me telling them so I could make sure.

The worst experience ever!!! First time homeowner, and this is the worst mortgage company EVER! The staff has absolutely no training in anything!!! Customer service skills are the worst! And they all say different things every phone call!!! They do not care to assist you at all! I don't know why this company hasn't been sued yet! Unbelievable!

This company seems to have enough dissatisfied customers and customers that were treated unjustly that perhaps a Class Action Suit should be brought against them. This is the absolute worst loan company I have ever had to deal with. You can only talk with the phone bank and have to entrust that the information they want you to convey gets to the correct person. Everything I submitted the information and paperwork they requested, they would tell me after 30 days that it was not correct.

We became behind in our mortgage by 30 days due to maternity leave. We called and set up payment plan and it was accepted. Cenlar however sent letters every day trying to collect the debt. They went as far as to come to my home tape an open notice on my door to contact them. It was so severely taped that it ripped the paint off my door! When I called them about how embarrassing this was that my neighbors now knew I was behind on my mortgage they stated it wasn’t their fault because they used a third party to collect the debt and send those letters. I asked for 30 days late? I asked the name of the company they paid to stick a visible notice for all who pass by and read and they flat out said, “We don’t know. We would have to email them to find out." So they don’t know who they paid but yet they were going to email them?

I have never in my life ever dealt with such liars! They kept playing my husband and I for fools! I didn't know where to send my first mortgage payment but I knew it was coming up. I called and tried to do it over the phone. It didn't go through. Then we finally got our mail with Cenlar's mortgage statement and a second one they sent right with it saying we are overdue! I tried it again online. It still didn't process so I called again to complain and they said it was my fault because I only put in 1 for my account #. I said, "That's impossible because your online wouldn't accept anything less than 7 numbers." Then they said it's my banks fault. What?!

Short and sweet. Horribly designed website. No contact phone number to customer service. This and was off for 6 weeks, so I thought I would get ahead and let them know I may need to extend a payment past the due date. That was May 2017. Went to get a loan today. The bank I'm getting the loan through said that Cenlar reported my payment currently 30 days past due. I've made the past 5 payments. One was 30 days past, which I paid the late fee along with the payment. Where else can we as consumers report this company to? BBB? And?

I usually don't write reviews, but after dealing with this company for 1 week- I've had it. I am so FRUSTRATED!!! To say the least. Where best to start than the beginning. I was a victim of banking fraud. I did my due diligence- closed my account and opened a new account within the same bank. I was instructed by the back officer that I needed to inform any payor that withdraws monies electronically of the change. Meanwhile until the change is effective my bank is willing to allow the electronic debits go through.

Be careful on the "forbearance" program they have... It's not help. Payments are due after 3 months. This is crazy that they are unwilling to tack the 3 payments on the end of the loan. Refinancing is in the future.

I began a mortgage modification with Cenlar in December (paperwork started in December). Since the first time I read the reviews on this site I have been a nervous WRECK. First off we were only one payment behind due to an electric budget that we were on for a year and they "miscalculated" by almost $2000 and it needed to be paid within 15 days to the electric company. Prior to this we stayed within 30 days of payments. Here is my suggestion(s) to anyone dealing with or will be dealing with Cenlar. When you make a payment call it in or complete online and be sure to record the confirmation number that they give so you have proof of payment. After the payment has drafted from your bank account login to your online Cenlar account and be sure it posted properly. When/if you fall behind call them immediately.

I too am wondering how in the world this company is still in business and how the employees can sleep at night! About 3 years ago we had to go through a modification on our loan. I did everything I was told and was quoted a figure for a new monthly payment. For the next FOUR MONTHS. I made my payment on time. Then in August I get a letter of foreclosure! I called and was told the payment I had made each month was too low and I was getting further and further behind each month. All four months not one time did anyone who took my let me know this! I found out the imbecile who did my modification was no longer employed there. Had been fired. I told them I was quoted a too low payment by this person but it didn't matter.

I am feeling very sick to my stomach reading all of these TERRIBLE reviews and my experience with Cenlar/Bayview has been so, so awful. I have been crying for the last 4 days since I received a pre-foreclosure letter from their lawyers in St. Louis. I have went through what many of you have in the last 6-8 months as far as no return calls, no communication or correspondence regarding my modification and mortgage. I have also experienced my mortgage payments being sent back to me stating an "Invalid Loan Number." I just assumed that maybe I had a new loan number because I was going through the modification process.

I am just like all the other honest people complaining about Cenlar. We have had them since February 2017 and every month is another nightmare. Customer service is the worst I have ever experienced in over 40 years. We do electronic monthly payments and get emails it was accepted. Surprise after the deadline we get notice in the mail with a late charge that the bank rejected the payment because there was no middle initial??? This just happened again this month. I am jumping hoops to put this company in my past forever but the new company states Cenlar has to remove the late charge. Because of this scam my credit rating went from the high 700's to 605. This company needs to be stopped and all us poor consumers need to be reimbursed for time spent and stress being caused by them. This is a VA loan that my husband was entitled to. Perhaps the companies selling to Cenlar should be investigated.

I currently work at Cenlar FSB. I was so happy when I first obtained employment there, thought this company was really an awesome company. Now the longer I am there, my opinion has swayed. QA is not our friend, for everything now seems to be a compliance fail. I have co workers who are threatened to be written up for insubordination for advising they can't get their work done on a short notice and lengthy list time frame. Everyone here is not very happy, but stay because of pay. Loss Mitigation is sometimes lagging in their duties, people call in and complain about situation that I have read online, I experience them. Pays are messed up, just give them an occurrence is the standard response to everything. And we are not appreciated, and moral is low.

and that credit card companies got sued for this type of behavior. They hold your payments for days and cash the checks after the due date so as to rack up late fees. I could not believe it! This is what happened to us. When calling multiple times to see why a payment was posted late to our account even though the payment was sent early enough to post on time, I got all sorts of responses.

This is probably the worst company you could be stuck with for your mortgage company. They are a group of morons and very rude for no reason. I have never ever in my life had to deal with a company this crappy. I'm never late, and all I did was call to ask a simple question and was on hold for 46 minutes! When somebody finally answered, she was rude as could be. They are a joke. So many negative reviews how are they still in business.

This mortgage loan company, CENLAR, SUCKS! Please copy and paste, or share, or whatever it takes to make this post go viral. I have a second mortgage with this outfit. I've been paying every month for what seems like forever. I've been late a couple of times, like last year when my husband had a heart attack. I'm not perfect, but I try.

Dealing with Cenlar for several years regarding their disregard of my communications when they imposed escrow for taxes which were not overdue and then began adding late fees and threatening letters re my credit standing. Totally unresponsive until I threatened suit plus enrolled aid of various government protection agencies. They even disregarded attempts by the original loan company to rectify my situation. Still after years they have not totally cleared up the charges even though promising finally to do so. They now have transferred my contract to another company called Nationstar.

So my employer cut my hours and pay and it is difficult for me to keep up with my high loan payment. I contacted CENLAR because my loan was sold to them by Loandepot.com. This Company is a damn nightmare. They don't keep track of documents and they always give me the runaround when I call. Their reps are Rude and have clicked on me many times. Plain and simple we need to get together and start a LAWSUIT to this garbage ** company.

I was assessed a late fee in summer of 2016 due to my payment getting lost in the mail. I called and requested the fee be waived on a one time basis. They verified I have always paid my mortgage BEFORE the due date every month and agreed to waive the fee. In 2017 I got a delinquent notice for the $24.90 late fee. I called again and they said they would waive it. It has now been a year and I still have a delinquent late fee on my account. This is the worst Company I have ever dealt with. Complete disregard for paying customers. I would refinance my home and pay closings again just to remove my loan from this companies hands.

I have made numerous attempts with Cenlar to have my monthly payments adjusted since my property taxes have been reduced. I have received the runaround. The representatives all tell me the same thing that it will be adjusted next month. The scenario has been going on for the last 4 months. Cenlar refuses to stop escrow of the taxes as I have requested multiple times but instead they stop taking out my insurance which was not an issue nor requested. This company is horrible to work with. I would like to contact the board of directors. I would encourage others to voice their complaints in hope that our voices will be heard.

After taking more than a year to complete my loan modification, I am still 2 months in default. During this time, CENLAR sent me final modification papers 3 separate times over 6 months before getting the figures correct. They never communicated with me regarding why there was such a long delay. Somehow after off the delay and after they calculated all the trial payments, I am still 2 months behind. HELP! After constantly calling them, they have no solution for this. They are now sending pre-foreclosure notices once again.

"Trusted Personal Service" and "Count on a Trusted Partner". Two mantras listed at the top of Cenlar's website are simply not true. I was overcharged $1,100 a month on my escrow. I emailed and phoned in an effort to convince Cenlar to do what is right--reduce my escrow charges to the correct amount. One email actually stated that they would do it. When they did not, I emailed again. The next emailer was completely oblivious to any of the information sent in the past emails, and simply said I could try once again at the end of May. I could see that my requests were going to continue to be ignored. I read reviews from frustrated consumers who had the same problem but were receiving no help. My solution was to contact my local TV station. My escrow account is now correct, and I received a refund check for my overpayments.

I'm actually sorry we're not alone in our troubles with this company. There are obviously many people here who have had issues with Cenlar as well. I hate that they bought our mortgage (they've been so difficult to deal with) and I would love to figure out a way to refinance and guarantee we'd never end up with them again. It's sad we pay so much to these companies, yet we have no say in who we work with.

I have done everything possible to get them to release the check from my mortgage company for storm damage so I can pay my contractor and they continue to throw up roadblocks. Never helpful, can't talk to a supervisor. It doesn't get any worse!

I believe Cenlar, along with Sun West, and these ** loan servicing groups are a group of companies set up by "mers" to fast track foreclosures when people fall behind. Cenlar took over my mortgage after I had fallen behind with Sun West a few time. Also Feb. 2016, I fell behind with Cenlar. They sent me a packet for mods and forbearance which I filled out and tried to follow up on and was given the call transfer runaround by all parties, no acknowledgement of the packet or ability to negotiate.

Cenlar is the by far one of the worst companies out there! I am filing a complaint with the AG offices, Federal Trade Commission and Department of Savings and Mortgage Lending Austin, TX. I encourage others to do so as well. They raised my mortgage payment by 90 percent stating I owe more money because they paid taxes for escrow shortage and projected escrow. I fought with them to bring the terms from 12 to 24 months to lower my mortgage payment. People there lie and do nothing they promise they are going to do.

I revoked the authorization to deduct an amount from my account, but, Cenlar deducted it anyway and is refusing to reimburse me my money. Leaving me very broke. Completely despise this place, but, sadly have to do business with them as they hold my mortgage loan... I'd almost rather be homeless than deal with the thieves at Cenlar!

If I could choose Zero stars I would. I called about an escrow check I was supposed to have received that the website said was sent out over a month ago. When I called about it the representative said it was probably lost in the mail and he would re-issue a new check. I received a check about 5 days later that I deposited only to have it rejected because CENLAR had placed a stop payment on it. What I actually received was the original check that was over a month late. When I explained this CENLAR a customer representative told me to send in my bank statement and they would reimbursed me for the fee. I did as they asked only to receive a message that because I had asked for a stop payment (which I didn't) that they would not refund me the fee. At 1st they were very nice, but when they have to cover up their error they become very rude and short. I gave up and just had to eat the fee. I would never recommend them to anyone.

A '1' is overrated to say the least. The right hand doesn't a have clue what the left hand is doing in this company. They put you on hold FOREVER (I think hoping you'll hang up, but I WON'T DO THAT)!!! Then every time we call each person has a different amount that they owe us back... WARNING ~ DON'T DO BUSINESS WITH THIS COMPANY.

This is the worst online banking experience I've ever had. Not intuitive, you can hardly find where to log in. Trying to get customer service is a joke. I've never had a problem with the actual loan, but every time I want to go to my account online, it's a nightmare.

There are no words to accurately describe our frustration with this company. I'm sitting at my desk and see a text come through from JPMorgan Chase Bank that an $1881 electronic payment transaction was withdrawn by CENLAR. The real scary points are that neither my husband nor myself authorized this transaction AND this unauthorized transaction caused our account to go completely upside down and in the red and make financial matters worse in our home. We have been trying to communicate with them over the past two weeks with regards to a deferral of payment(s) or options thereof as I lost my job and have been unemployed for the last several months. Financially, it has been very difficult for our family. Thankfully, I have just started with a new job but our "financial footing" is a mess and we very much need the help so to regain stability.

All these 1-star reviews and yet this company is still allowed to handle FHA loans. Cenlar purchased our FHA loan shortly after we got our house. On Dec 3, 2016 a pipe froze then burst causing water damage. Our insurance company is USAA. They took care of the abatement and sent a check for over $15k to pay the company who did the work. In Feb we mailed the check to Cenlar for endorsement. Instead of endorsing the check they gave us the runaround which included saying the check was received, then claiming it wasn't, then claiming it was mailed to the wrong address in New Jersey when it should have been sent to South Carolina. During this nearly 40 minute call, of which only 5 was spent talking to CSRs, I was hung up on by the rep in the South Carolina office who was supposedly going to get to the bottom of things.

My nightmare begin when Ocwen sold my loan. Last year my husband lost his job and we fell behind. Our fault not theirs. But when we got the ones to meet a payment plan, I purchased a cashier's check from my bank, mailed it from the post office paid next day fees. It was signed for but never applied to account which made things worse. So the bank reversed cashier's check amount. We made another payment arrangement, they took the funds out of my checking account and then a week later put it back and said it was an NSF. Branch manager got on the phone with me and them they choked and had no answer so now the payment arrangement was going to almost double for 6 months. I was blessed and received a loan from my sister to pay it in full and got caught up.

Cenlar took over our mortgage loan because we have the NJ Police And Fire loan program for our mortgage. I called Cenlar as soon as they took over the loan and requested an escrow analysis since our current development offers a PILOT program (tax abatement) for five years and they would need to lower our payment because we weren't paying all that much in taxes. I called right away and requested the analysis to be done, in which I was told it would take about two weeks. I called back in two weeks, they told me to wait another two days. I called back a few days later, they said there was no escrow analysis and they wouldn't do one until a FULL YEAR of having my loan. EVERY TIME I call Cenlar, I am given someone who does not know anything about our loan and doesn't care to find out. I've been told multiple things from multiple people who also cannot answer my questions.

I received a mortgage statement on March 2, 2017 in which the loan payment amount had change by almost $200. I called them and they said it was for a deficit in my escrow account for flood insurance. I explained that I have never had an escrow account with this loan and that I had already paid the flood insurance myself in February of 2017. I was to write a letter explaining that I had no escrow account and that I had paid the flood insurance the previous month and asked that the account reflect this and that the mortgage payment return to the original amount.

When we purchased our home, the prior owners had a tax deferral payment due. It was paid at closing, but the county auditor failed to record the payment prior to the tax statements generated in November. Thus, our property taxes showed an increase of $3,500 (the tax deferral amount), which was in error. Cenlar thus increased our monthly payment to cover the tax increase by approximately $700 more a month!! After communicating with the county tax assessor and Cenlar for several months, our tax obligation was finally adjusted down to the proper amount, and Cenlar issued a $900 refund check to us for the overpayment we were forced to make and readjusted our monthly payment back to what it was supposed to be.

My first issue with Cenlar is they took a payment from my bank account and said it was "returned". It wasn't. After 8 months of continuous calls, all to different people bc no one there will every return your call back, I finally got someone from Cenlar to 3-way call my bank with me. My bank verified there were funds and that the money was sent to Cenlar. They also provided a tracking # (which I had already given to Cenlar via fax to their research dept).

Cenlar Mortgage Screws over customers. I have been making bi-Monthly payments on my mortgage to Cenlar. Last month's checks were returned and I am now behind on my mortgage payments. I called and they do not allow bi-monthly payments. They only accept payments in full. They do have a system where they would directly withdraw money from my bank account every other Friday (they set the schedule without consideration to paydays). But this is only available to people who have paid over 1 month mortgage in advance and is based on application approval. Cenlar is ensuring it is easy to mess up and incredibly difficult to stay on course.

Last year I refinanced my house with Embrace Home Loans with an FHA mortgage. During the refinance, I asked for an escrow to contain my homeowners insurance through Allstate and my property taxes. In almost 18 years of owning my home, I have never gone without an escrow that contained both property taxes and insurance.

I refinanced and got a new mortgage with Cenlar in the Fall of 2016. In March, 2017 Cenlar started harassing me for non-payment. I had set up automatic deposits via my bank when the loan was originated. I have documentation that proves every payment was sent - a total of 8. Cenlar says they did not receive payments for January and February 2017, although my bank provided transaction details, transmission verification numbers, and a line-item summary of my account showing the withdrawals. They did acknowledge payments in the Fall of 2016 and in March 2017 but not for Jan 2017 and Feb 2017 - although ALL payments (both acknowledged and not-acknowledged were sent exactly the same way via automated bill-pay with my bank).

My old mortgage company sold my mortgage to these guys "Cenlar". I sent my first mortgage with them to the correct address however by mistake through my bank's ebill I put my old mortgage account number. I would imagine they could have found the info our being the ebill would have my name on it. Anyways to make a long 2 month ordeal short... I called practically every day because supposedly they sent my payment back to my bank Feb 24. All I wanted to get was the tracking number to give to my bank so my bank could "track" this check they "sent". My bank just received it this morning... March 15. Oh ya and then because "Feb payment never arrived" in their eyes which it did but with the account number on it "correct address though" they used my March payment for Feb! People will also say they are the supervisors and come to find out they aren't! BEWARE!!!

Sadly, my original mortgage company sold my mortgage to Cenlar. They are inconvenient and a pain to deal with. Initially, they falsely stated that I bounced a mortgage check (that was submitted to my previous loan company and had cleared without issue). I spent over 4 hours total on hold arguing over an idiotic 10 dollar charge. They also automatically generate letters that make no sense. For example, I don't have an escrow account, but they just sent me a letter claiming that they received a premium notice for my property.

To keep it short regarding Cenlar. Trying to get a loan modification is next to impossible. This is the 3rd time trying with this company for a modification. Had to hire Attorney to take point in this matter and still this company is making almost impossible to work us. Unprofessional employees.

I have had mortgage loans for the past 50 years and have never experienced anything like dealing with Cenlar and am amazed that some form of government/oversight agency has not looked into them. The number of complaints on this site amaze me that no action has been taken! They have serviced my loan for only the past 3 months. I have attempted to use their website to track my loan and make payments. Hands down, it is the most nonuser-friendy site I have ever attempted to use and their "help" service in nonexisting. Because of the lack of transparency--I question if something illegal is taking place!

Like other people, I have been screw by CENLAR. I purchase a property last year, the mortgage company sold the loan to CENLAR and since then have been a nightmare. Now they are trying to force me to have an escrow account for flood. I requested in writing to do my own escrow, never responded. During one of my call the rep. tell me it was mandated by FEMA. Call FEMA was not true.

I have worked hard over the last few years to be able to buy my first house and Cenlar has ruined the whole experience. They claimed to have not received our first payment and have taken my second payment as first and keep calling about the 2nd payment. I have emailed and faxed bank statements several times now showing that both have already come out of my account. Stay clear of this company. I had no idea when I bought a home through Bay Equity that they would sell my loan to such an unorganized company. When you buy a home make sure they don't sell your loan to Cenlar. Cenlar has thousands of reviews with 99% of them saying they cannot keep track of anyone's payments.

I recently re-financed my home and the mortgage paperwork sold twice in a matter of months. I ended up with Cenlar. For the first few months all appeared normal, then I received a statement increasing my mortgage by 200.00 per month. Guess why the increase? ESCROW. WOW, I've never had this type of increase in the 15 year history of owning my home. I called customer service and after hearing them talk in circles and making no sense I got off the phone and looked Cenlar up on the internet. WOW!!! Everyone is having the same issue and nothing is being done by any governing oversight. I'm seeking a refinance again and pray I never get Cenlar again. Good luck to everyone who has this Mortgage Company.

I am a new home owner. I move in October 5/2016. I am a 70% disable veteran so my taxes are discounted. I was told on 1/31/2017 and check was mailed out. I look for about 10 days. I called back several times. Was told to check the mail. I called on every day after on 2/14/2017. Was told check was put on 2/7/2017 due to issue about they did not know my taxes amount. On 2/15/2017 I was told they would express the check. I called 2/21/2017. The earliest I could my check would be March 1, 2017. No return calls or return emails. It is against the law to hold someone money. My loan was with imortgage. They sold after month to Cenlar which sucks in customer services.

My loan was paid off on January 16, 2017. It is now February 21, 2017. My loan is still not showing paid off, I have called five times, I have been sent letters asking for my February payment and for insurance which I cancelled when the house was paid off. I was given an email address to write them to state I wanted the money I sent them to pay off my house and the email address is no good. This is a horrible company to work with. The employees don't seem to know what they are doing.

My mortgage was sold to Cenlar. My first payment went through fine, but two payments after that have both been "lost" due to account number changes. I've been calling them for nearly a month to resolve this. To be fair, I get through quickly to their customer service dept, and the reps are as helpful as they can be, but whoever investigates and deals with the actual problems doesn't have a clue. They twice closed my case without any resolution, reported me to the credit bureau despite this being their mistake, and are taking forever to solve a very simple issue. Avoid them if you can!

My loan was sold to CENLAR, and if I could fire them as my loan servicing company, I would certainly do so. There should be an option for zero stars. When my loan was transferred CENLAR my first problem was that they incorrectly listed the name of my homeowners insurance company. When I contacted customer service for them to correct the simple error, the first rep told me to call the incorrect company to have them send a letter to cancel that policy. What? I never had a policy with them! The second rep told me they didn't have my insurance binder in their files, which was a complete lie, and she instructed me to resend the binder via e-mail. I was told it could take up to 10 days to process my request. What? Absolutely ludicrous, and they didn't even record receiving the docs for 11 days.

CENLAR is by far the worst financial institution I have ever had business with. The customer service is abysmal and they do not value you as a customer at all. I have been met with rude, aggressive, and sarcastic comments each time I contact them. My family and I recently survived a tornado that caused a lot of damage to my home. The insurance company promptly issued a check for repairs, but because I have mortgage they have to issue the check with CENLAR's name on it as well. After almost a month and a half I still have several holes in my roof and wall, damaged continuing to occur to my home from missing siding, and no heat or A/C for my family all because CENLAR refuses to endorse the insurance check and send it back to me so I can pay a contractor for my home repairs. Stay away from this abhorrent company whose moral and ethical viewpoints serve only to break the consumer and causes emotional stress and turmoil!

My loan with IndyMac was sold a few times after the company went bankrupt. After 3 mortgage companies I ended up with Cenlar. I had problems with them from the onset, but the most recent problem was horrendous. It all started in late November when I was refinancing my loan to get a lower rate and also to get out from under Cenlar. This is what happened:

In my HUD I am to pay my insurance and taxes in escrow. Cenlar paid for my water bill without my consent and added the bill to my escrow account! This increased my mortgage payment by about $200! The problem is that I paid my water bill on time and it was never delinquent. Cenlar made it their business to pay the bill again and charge me for something that was paid! They said there is a clause that allows them to add bills into my escrow as they please! No one in that company even bothered to check if the status of that bill was delinquent or not. They said they would fix it a week and a half ago. Now they are telling me I have to write a letter. I am now shopping for another mortgage holder! If I could I would give them a negative 5 stars!!!

In early January 2016 I purchased a cabin and the loan was sold to Cenlar. At the close of 2016 an escrow analysis was completed and I was overpaid by more than $4600.00. I requested that the funds be sent to me and on January 12, 2017 I was able to view my account online and saw the check in the correct amount. I then called back and asked how long would it be until the check would be put in the mail? First I was told 7-10 days, then I was told an additional 3 days for them to review the account.

We fell behind on our payments back in September 16 and entered into a repayment agreement which I was verbally told would end January of 2017 and February would put us back on track with normal payment. We did our part and I just found out we are still behind a month because the rep that made out the agreement didn't account for January payment. This defeats the purpose of a repayment plan and now we are behind a payment. Cenlar only apologizes and asked if I want to get put on another repayment plan and pay their late fee plus 30 day delinquency on credit. They are HORRID!!!

My loan was recently bought by Cenlar and it is by far the worst company I have ever dealt with! Their customer service is horrendous and you get different information every time you call. Most importantly, they have not paid my property taxes to date. They received my loan in August. The previous loan company paid my August tax bill. Cenlar never paid November. I have contacted them several times about it. The first time they said they didn't understand why it wasn't paid but they would look into it. The second time, they asked me to fax a copy of the most recent tax bill along with the delinquency notice.

I would never recommend the company to anyone. They are very slow and lack of communication to one another and to the facilitator who has been contacting them to checking on the status of the loan. We have been waiting on a loan approval letter for over 2 months now. First they say we will have it on a certain day then the facilitator tells my realtor that the person is out or on vacation which is very unacceptable. It seem like every time she calls (Facilitator) she tells my realtor that they are out on vacation or they will say to her "we will get to it as soon as we can, we are under staff" some type of excuse. Instead of giving it to someone else or have someone else take it over so the loan can get finish.

Wow I read these reviews and I realize that I am not crazy and the company is really trying to rip people off. I made payments to them with money orders that my account never got credit for. They don't send me my bill so I call. They say on the phone I can get my bill online but for some reason I can't log onto my account to get to my bill. And on and on. It's my belief the company is after your house and they are doing all they can to make you delinquent. Hopefully somebody someday goes after these guys.

I acquired this loan through my credit union and thought that I was actually getting a loan through my credit union. However, when I sat down to sign the papers, I noticed that Cenlar was at the top of them. At that moment, I should have gotten up and walked away, but I wanted my house very badly and everything else had gone really well. I was told that it would be easy for me to make bi-monthly payments. No, I was to make a payment every other Friday and some months I would be making three payments and I cannot afford that. I was lied to.

I have been dealing with this company for the past year. All I can say is wow. Customer service is terrible, management is incompetent, and it seems like nobody is qualified to help you. They try to make it seem like you have a problem. It all started when my loan was sold. Suddenly my payment went from 800 to 1200. They claimed that my escrow and taxes went up and that's why there was a discrepancy in the payment. So I paid the full escrow off, but to my surprise there was no change in my payment. After 5 calls a day for months, and getting a lawyer involved, they finally decided to look into my account, and determined that I had been overpaying for the last 6 months. I am no longer with this company, thank God. But be warned, they are scamming people and I recommend getting out ASAP. Thankfully I was blessed to be financially able to fight, because I could have lost my home.

Called in to make an electronic payment. Put on hold for 20 minutes then told I had the wrong department (couldn't have told me that in the beginning?) then transferred to a rep that was rude, disrespectful and incompetent. I asked for her supervisor and she cut me off. I called back and asked for a supervisor right off. Put me on hold for 23 minutes then came back on and said she would transfer me. Transferred to a voicemail that wouldn't let me leave a message! Called back and have been on hold for 10 minutes so far.

Our home loan was sold to this company which required that we pay into an escrow account for our taxes and insurance. They failed to pay our insurance premium in full resulting in the insurance company threatening to cancel our policy. After attempting to get this resolved through Customer Service, we finally paid the balance ourselves in order to keep our insurance in good standing. We paid off the loan and have received a letter from Cenlar stating that our escrow balance would be returned according to law. However we haven't yet received a refund. After speaking with seven different customer service representatives and a supervisor, we have nothing but eight different explanations and six transferred calls back to the hold on the phone which disconnects after one hour of waiting.

I actually don't have a single complaint about this company. I had Cenlar for 2 years until my loan was sold to another servicing company. They have been more than helpful to me when my payment got lost in the mail. I had contacted customer service 3 times to see if they received it and they allowed me to pay my bill over the phone with no service charge. They have been prompt sending my tax check. I chose the option where they send you a check and you send back the receipt once it's been paid. And my tax information was also sent in a timely manner. I guess my loan wasn't complicated or anything but I never had anything but positive experiences with this company and customer service was very helpful and informative.

I have to tell everyone this company Cenlar is the worst company I have ever dealt with in my entire life!! When you call to get something done they make you wait on hold at least 10 mins. Then their service reps shuffle you around because they really can't do anything... So you ask for a supervisor and they say they are transferring you... You hold on at least another 10-15 mins and then get dumped back into the pool waiting for a service rep again. You tell the rep you are waiting for a supervisor and they transfer you again, usually the same thing happens again. You get dumped back into the calls waiting to be answered by a service rep.

All we want to do is drop PMI (Private Mortgage Insurance, which is $210/month) from our mortgage and we do qualify at every level- even the Loan To Value ratio, though we need an official appraisal to prove this. We've done everything CENLAR asked. Now, they want another $575 (on top of an already cashed check for $475 and despite the appraisal being ordered in their system and showing as 'to be completed 2/5/17').

My loan was originally with Kinecta Federal Credit Union. Cenlar acquired Kinecta Federal Credit Unions loans. Since I bought my home 4 yrs ago, I submitted bimonthly electronic payments on the 10th and 25th of each month. The 2 payments covered my mortgage due the upcoming month with extra money to be applied to my principal. After 4 yrs of this payment methodology, I receive a letter from Cenlar stating they do not accept partial payment. With that said, I immediately made the change to stop all electronic payments being issued to change it to monthly payments. I received a 2nd notice stating I am 2 months past due. I look at my bank account and saw all of my bimonthly payments cleared my bank. Cenlar shows record of receiving my payment but funny things began to happen: misapplication of payment, reversals back and forth, payments held in suspense then released.

I'm a US Veteran and I can't believe this people have done this. I moved from TX to FL and wanted to see if they could help me easing the payment play. They approved me for a repayment plan where I had to pay only $390.87 in December (half my mortgage), Dec was when I first enter this plan. The rest was going to be divided in half and added to my original amount for the month of January and February. It sounded good to me. WRONG!!! I just checked my credit score and went down 72 points because they reported me as being 30 days delinquent for the month of December... WHAT!!! I paid them $390.87 and had an agreement with them. Cenlar did not inform me that this was going to happen to my credit report. If they had, I would have not agreed to enter this plan.

Talked with several of their representative and each provide a different information, none that was fully accurate. Their interdepartmental communication is a joke. My home inspection took 4 phone calls and 7 working days for it to be schedule and at the end I end up calling the inspector myself. That is when they told me that the request were just booked yesterday instead of 7 days earlier. Once the inspection were completed took them 2 weeks to review and release my funds which according to them is a 2-3 day process. Further to that, my insurance payment that they were holding was not released on time and was neglected for 2 weeks. This process should have been resolved in 5-8 business day but with their incompetency and poor management/leadership took over 5 weeks.

This company is a complete disaster! I've had a problem with them for more than three years. Every month, I send my payment and afterwards, receive a letter stating that they never got my payment. I've repeatedly sent bank statements as proof. I was scammed with a modification saying that my payment from 5.5% and that my new mortgage would be 4.5%, which means my payment would decrease. But, "shockingly" the payment was higher than my original payment. This is a scam. After this horrifying catastrophe, they continuously threatened foreclosure and afterwards, I had no choice but to pay them way too much money to avoid this.

Cenlar has serviced two of my loans in the past, and they are leaps and bounds the worst out of any banking related practice in almost 20 years. I once worked in the finance industry and have seen some shady things as well. The call centers are filled with workers who are not trained and have no idea what your needs are as a customer. I have been Homestead Exemption qualified for my most recent home, and even filed all the papers myself and forwarded to them FOUR TIMES over the course of 11 months. They continue to say they never received however I showed them proof via Email. The still did not honor it and have yet to reimburse us the monies owed. If you are in any similar situations, I suggest getting lawyers involved if it's worth your time. WORST COMPANY!!!

I also had numerous problems with Cenlar. They are a nightmare of incompetency and inefficiency. My credit union tried to help me when I complained to them about all of the problems I was having with my property taxes, which were paid twice and my hazard insurance which they paid three times in one week! That messed up my escrow so they raised my payments! I finally filed a complaint with OCC and they resolved the issues within a few weeks.

I received a delinquent tax bill for a property tax installment which Cenlar was supposed to pay on my behalf. They state the payment was made and the tax collector refunded the payment back to Cenlar. The tax collector has no record of either transaction. I have been contacting Cenlar for 3 1/2 months to receive documented proof of both transactions. 3 1/2 months have passed and they will not provide the documentation. The best they can do is "submit a request". Each and every time I call to follow up they say "I'm sorry ma'am. All I can do is submit another request." This is the worse mortgage company I've ever dealt with. Avoid at all costs!

They are the worst bank ever in history!!! My loan was purchased by them. I had a 800 credit score and have never been late on a payment in my life!!! We sent them our first payment. They sent it back. We resent it. They called and said, "You're 60 days late!!!" Wtf are you talking about!!! They reported to credit bureau and I went from 800 to 605. They have the worst customer service ever!!!

I had to refinance for a lower house payment in order to keep my home. It started with Loan Depot, they sold my mortgage to Cenlar so, I thought, this may be better, but this company is worse than Loan Depot. I have tried for a year to start biweekly ACH payments. They promise it will start next month, and twice I missed checking, and got hit with a late fee. They promised to credit the late payment, but has not yet done so! My daughter is sure Cenlar is trying to steal my home.

My husband and I are both tax exempt. We closed our first year in late October, which made us pay taxes on our account. Since then for past two years I have faxed tax documents stating and showing he is tax exempt. I have faxed documents 7 times! Each time I get a different operator they state they never received it. They then give me yet another number to fax documents to. Seems like no one knows what or where I should be sending my paperwork. This is the most unorganized company there is. Seems like no one there knows what's going on. We are fed up with Cenlar. We are at the point to where we are going to hire a attorney and write to our senator.

Thankfully, I don't have insurance with this company, but my flood insurance company has chosen them to manage the claim fund disbursements. To that end, I'm deeply saddened that I've been led to encounter this awfully managed organization. They are obstructive in their policies. They behave as though our funds belong to them. They have unreasonable mandates and policies that aren't mentioned on their supposedly all-inclusive website. When you reach their operators, they are unprofessional and inconsistent. I've had pleasant and courteous calls before, but they aren't on the same page at all- some of the representatives are sympathetic and will make amends because they simply want to help, but mostly the ones that answer the calls are disinterested and unprofessional.

CENLAR claims on its website that "the nation's leading loan servicing provider, has been actively engaged in mortgage loan servicing and sub-servicing as a core business for more than 40 years." If that is the case, then the US banking industry is deep, deep trouble - and it helps explain 2008. Based on my personal experience since my first mortgage payment, the business is either incompetent or actively corrupt. I have been through an absolute nightmare, starting with my first payment five months ago. CENLAR claimed it did not receive the payment.

We have called again and have gotten nothing but headaches and nothing gets accomplished. Every time we need some help, we never get it. This company should not exist. I am tax exempt per my state law, and we have sent them letters and even got the county adjuster involved, and yet they refuse to help and adjust payment to reflect this. They are demanding things that will not be circulated for us. You can never speak to anyone else but some operator who doesn't tell you the truth or makes things up. If you can speak to a supervisor they are rude and unaccommodating. Shame on them and servicing veterans.

So, we pay more than our mortgage every month on time with no issues. It is Dec 1 and like usual we call to pay our mortgage only to find we now owe $1800 in back taxes. We were NEVER notified in writing that our account had changed. After fighting for 3 hours with numerous supervisors we were told it was our responsibility to ask about our escrow and increased taxes. By the way Cenlar is responsible by federal law to inform every borrower of any changes and they need your authorization to advance payments of an advancement which we never authorized. Steer clear from D. Randy Horton Homes and Cenlar mortgages.

I have had the same problems. Loan was transferred to them and they applied my payment to a month prior to taking over the loan. Hours and days of phone calls got me nowhere. Was even being sent default notices. Same issues as everyone else. I had to file a complaint with the Comptroller of the Currency ph 800-613-6743 fax 713-336-4301. This was the only way I was able to get the issue resolved. Now trying to make them transfer the loan to a reputable service oriented company without having the costs of a refi. Please file a complaint against this company if you are having problems. They should not be in business.

CENLAR is an extremely unprofessional company. I would go so far as to say corrupt. Calling the insurance claims department is a waste of time. It is a perpetual runaround. When we tried to set up an appointment for a final inspection of repairs, it was repeatedly cancelled by CENLAR not us. It took over a month to get an inspector to check out the repairs. We're now waiting for a check for the funds remaining after the fixing of the flood damages. Again it has been over a month. There is a new reason why the check hasn't been sent whenever we call to pursue reimbursement. So much of my precious time has been lost. AVOID doing business with this company!!!

This company bought my loan in August and if this happens to you watch out. Nothing but horrible customer service and mismanagement of my account. Actually argued with a customer service rep over who should make the call to contact the previous mortgage company on payment I had made to them pre-acquisition of my loan by Cenlar which I didn't know about or consent. He told me he was "too busy" and that I should call them for him and that it would only take a minute. Once again not my problem and probably something the two companies could have discussed when they were buying my loan. Still working on a property tax escrow analysis going on 4 months now. They can't find my information even with my account number but manage to cash my mortgage check and send me a bill every month. Watch out for this company, you are in for endless headaches if you're unfortunate enough to have your loan bought by them.

This is the worse company to do business with. I purchased a house from a builder, and that's how I ended up with these crooks. For 2 years I have spent over 50 hours on the phone, written letters to the top management, and till today, never a call back. They have screwed my loan up totally. I sent them monthly payments, they misapply payments, they send me checks, and then they sent default letters. I have had 5 homes previously, never did I ever have an issue, so why with this bank? They are crooks. At some point one of the reps even told me that they co-mingle funds, which not only is unethical, but illegal too. The senior management is worthless, and refuse to speak to customers. Just by reading the rest of the reviews, it is very clear that they are BIG CROOKS. Stay away from them!!!

I refinanced my mortgage and I've been living in a total nightmare ever since! We've never missed a payment and our escrow has had more than enough going into our account for our taxes. First year... taxes were not being paid, payment goes up! Second year... same thing!!! When you call, you get hung up on by 3 representatives and a supervisor!!! They're so incompetent, and if anyone would dare to really look into it, I'm sure you'd find out they're crooks. Someone is lining their pockets! My plan get rid of them all together!!! They shouldn't even be in business! May the good Lord above bring justice to this very unjust corrupt company.

My experience with CENLAR has been completely unsatisfactory. My original mortgage was sold to CENLAR in August, after which they "failed" to document my first mortgage payment I had made to my previous lender. It is now over 3 months and I have been told they are "researching" by every staff person I have spoken with, that they cannot transfer to other Departments just within Customer Service, and refuse to give out extensions to call back as well as fail to call back when promised. Each time I call I have to explain the situation as they will not assign one person to locate the mortgage payment which was lost during a transaction which I was not a party to. One would assume the issue of losing someone's money at a mortgage company would be top priority and resolved within hours, not still unresolved 3 months later.

My loan was bought by this company and they failed to pay my homeowners insurance out of my escrow account. I received a lapse notice from my insurance agency. I called Cenlar to ask what had happened and why it did not get paid. All I got was the runaround from the customer service rep. At one time I caught her in a lie and asked to speak to a supervisor. She put me on hold and 20 minutes later I got tired of waiting and hung up. Don't do business with this company if you can avoid it although I can't. My loan was sold to them! UGH!!!

Cenlar failed to make a property tax payment from my escrow account in full, thereby resulting in a past due penalty from the County Assessor's Office. I received the bill from the Assessor's Office and contacted Cenlar to get the past due payment resolved. Cenlar promised the bill would be sent the following day, but it was not. The same contact promise and failure to pay happened three more times on successive days.

I had so many problems in the beginning with Cenlar. They would not credit me the payment that was forwarded by the loan writer and kept harassing me about a late payment. After many phone calls and threats of legal action, they finally fixed the issue. I would still get weird robocalls asking me to contact them for no reason. Totally irritating. I finally refinanced off of them and am awaiting my escrow refund. It has not been 30 days yet but based on the info I have seen here I don't expect it to be on time. They are based in New Jersey. If you want to complain, complain to the NJ Attorney general. (You better believe I will do this if they hold up my escrow refund!)

By far the worst company in the United States to deal with. Totally incompetent customer reps. Have no idea what they are saying and never follow through. At the end of 2015 I called them to make sure my taxes and homeowner insurance would be paid times thru my escrow acct on my mortgage. After over a dozen calls including a few 3 way calls to include my homeowner insurance rep nothing was ever accomplished. So I had to charge my insurance policy to get it paid up after it went delinquent and no one else would touch it. After all that I thought this year would have been all set and taxes and insurance would be properly escrowed and bills paid timely to avoid what had already transpired.

NIGHTMARE!!! My loan was sold to these crooks without my knowledge and ever since everything is one big, hot mess. I have a fantastic credit score and these people are ruining it because of their incompetence. I make my payments and yet I constantly get foreclosure notices. Why? Because you make a payment to these people and they take two weeks to process the thing. You call them to tell them it's out of your bank account and they have no working phone numbers! Why the heck are they still in business??? The government needs to shut them down. I'd refinance, but these clowns have late payments on my credit score that were not paid late. I'm stuck on a hamster wheel and I'm a senior citizen so it's getting really old and troubling to me.

I have never had to wait so long for someone to answer the phone!! 20 minutes is a little too long!! Fees, fees!! I tried to tell these people someone made a mistake in my bank account number and it was not me!! The payment was sent back. Now they want to charge me a $25.00 fee for that and a $5.00 fee for a transaction on the phone!! And this is my first payment!! People you need to get with it!! You are the worst mortgage company I have ever dealt with!! Not a happy camper!!

This is by far the worst mortgage company. We never had problems with our mortgage payments until it was sold to Cenlar. Now no matter how we send our payments either by mail or online we incur late fees. Not to mention when we pay online and get a confirmation they don't take the money out and give us different stories as to why it didn't come out therefore incurring another late fee. The customer service line is always "experiencing a high volume of calls" which makes it difficult to get through to someone to attempt to resolve the issue when we have careers and don't have the time to wait on hold for extended amounts of time just to get through to a customer service agent whom is rude and does not have a straight answer. This company is truly a nightmare.

I've had my home for just over a year now. As soon as the ink dried on my loan documents, the original servicer sold my loan to CENLAR. Everything was fine for the first 8 months or so, and then I started having trouble with the payments getting processed. They would process, give me a confirmation number, and then for some reason they would refund me my payment. Long story short, for my September payment, I paid $1150 on August 28 and it cleared my bank on August 31.

Cenlar is the worst mortgage servicing company I have ever encounter! They held my escrow refund well beyond 30 days when it was reconciled within 8 days of pay off. Phone calls to their service center only lead to more inconsistent answers as to their processing procedures and flat out misrepresentations. I'm still waiting for my refund, creating unnecessary stress. I don't understand why lenders allow this company to service their loans. I will NEVER do business with them EVER again!

I opened my loan with another loan company and it was sold to Cenlar. They failed to follow what was in my agreement and pay the Supplemental Tax on my behalf OR send me the money of the loan overage so that I could pay it myself - which I was more than happy to do. I sent SEVERAL emails and called in many times yet the amount wasn't sent to me (my money) so that I could pay the Supplemental Tax myself nor was paid on my behalf. I ended having to pay out of my savings and incurred a penalty fee.

Ok folks it's been awhile but I'm back. And not very happy to say the least. Cenlar was going to work out a loan modification for me. So much for that. All I got was 3 more months in my home. They decided that they wanted my house instead. So they foreclosed on me and my wife. Got a lawyer but they were in with them so you know they deal. I'm a Vietnam era vet. and still get it up my ass. We lived in our home 32 years. How it's gone and sitting empty. I just wish someone would take this company down. They have got away for too long. Time something is done. Out of a home in Kingsport, TN.

As with many other similar complaints, we have been charged $2250 for flood insurance when we are NOT in a flood zone. I have provided the FEMA document stating we are not in a flood zone several times and each time they state they have not received it although I have all the confirmation receipts. I cant speak with a supervisor or anyone in the insurance department because they have "NO PHONE NUMBER" as stated by a rep. Not sure what else to do except keep calling... FRUSTRATING!!!

My next visit will be with the attorney general's office. Since Cenlar bought my mortgage from the previous company, they have been just keeping my escrow account and not paying my homeowner's insurance. I have called them several times and they have lied about "we will take care of it." I also had Liberty Mutual call them and they lied about paying the premium to them as well. Do not let Cenlar buy your mortgage! They are obviously liars and crooks.

My mortgage loan has been sold twice and now unfortunately CENLAR has it. They've sent me notices that my payment hasn't been made when it has. They've charged me numerous late fees when I provide the same amounts on the same dates every month and that amount is OVER the monthly amount due for my mortgage. I've never missed a payment or even been late.

I had got my mortgage through WinTrust Mortgage, but they sold it off to Cenlar - Central Loan Administration & Reporting before I could even make my first payment. The company sent a letter which was very hard to understand regarding them being the company that now held the mortgage. Then they sent my second, not the first, but the second Loan Statement, regarding my loan payment, 15 days after the payment was due.

This company is the most incompetent organization with whom I have ever dealt. For those of you giving them average or great reviews, stop lying to the people on this board. 300+ people complaining can't all be wrong and I know exactly why they are posting 1 star. I wish I could give no star because they are the most worthless company out there.

I see many bad reviews on Cenlar which is my servicing company and think I know why. When I ran an online business the only people who reviewed me was the ones that had something bad to say which was not often but the problem usually was them to begin with. They have had my mortgage account for a year now and I have received only excellent customer service from them. I send an email about something and BING I have an answer the next day. I pay my bill electronically a couple of weeks before it is due and it posts in a day or so. They paid my insurance when I first got the loan but I had already paid it so the insurance company sent me a thousand or so bucks. The money was borrowed from somewhere to cover the taxes because the insurance was paid from that money and the escrow did not have enough to cover the taxes.

They told me I am short with property tax. I seen lump sum check they cash it. Still they increase my monthly payment. I will try to get rid of them. Worst company.

After filing for Chapter 7 bankruptcy in 2011 my loan was taken over by this semblance of a company 2 years ago. It was sold to them by a previous collection agency Nationwide who were wonderful! Now I am stuck with incompetent fools who just can't get it together. I have been trying to pay a little more than half of the monthly payment in good faith & sometimes they take it & lately it's been every other month, depends who you get on the phone. This month a lady refused to take it & when I told her to look on the screen to see that's what I've been paying she replied that all she sees is what I'm supposed to be paying & refused to take the money. So my reply was "so you're trying to tell me that your company would rather no money than some money?" She repeated her last statement. She also said that it was the last agent who took my money & that was ok. It was him but she refused. Now how stupid are they to refuse even a lower amount?

I have attempted to set up auto draft through their website. This service doesn't appear to work. I attempted to login to my account, but I'm being asked security questions that I didn't set up. I emailed customer service, and they asked me to login and file a question from within the login section of their site. Customer service is non-existent. They don't provide a phone number on their website. I just want to pay them what is due, but they make it impossible.

My loan has recently been transferred to this company. I wish it didn't... Their customer service is horrible and are very rude. They cashed in my check but it did not post on my account. Then I got a nasty phone call that I owe my July mortgage payment! The person collecting money was very rude! I am still trying to resolve where my payment went... Every customer service I talk has very little knowledge of what to do or how to help me... plus they have really bad phone manners!

When CENLAR inherited my mortgage on 3/1/16, the initial mortgage payment went to my old mortgage holder, who transferred the payment to CENLAR via wire transfer. I have been trying to recover the payment for 3 months now. CENLAR initially refused to recognize the existence of a wire transfer, but now have come around to admit the payment was lost. It has been over a month since I last heard from them. My account is up to date only because CENLAR called me in April to force an additional payment out of me. I have experienced endless runaround from the reps, the "losing" or "can't find" mailings to CENLAR, including registered return receipt mailings and trackable certified mailings, promises of immediate resolution unkept, ignoring pertinent information, refusal to acknowledge a specifically stated problem, gross incompetence, etc.

Cenlar is a very unstable company. Taking unnecessary money from customers' loans. I don't need flood insurance, and they went and took it out without our permission. We have submitted all documentations, and we're still having the same problem. We have been submitting those documents since October of 2015. This Cenlar company is very incompatible with their customers. Right now I have been on the phone practically 1 hour, and nothing. Always the runaround with different assts. They don't know what they doing. Plus sometimes you don't even understand what they saying. What else do they want. Spoked with FEMA, and they say we don't need no papers. We have the right papers. This company has such bad reviews. It should also be illegal for mortgage companies to sell our mortgage to other companies without our permission.

My loan was recently purchased by Cenlar. My mortgage payment is due on the 1st and late on the 16th. Today is the 14th - my mortgage is processing yet they called to tell me it's late and therefore they're within their right to send me to collections. I said, "I thought it was late on the 16th?" "Yes, that's true" she said. "Well am I late then?" "No"... "Then, why are you calling me before the 16th??" The conversation went in circles. I've had mortgage loans for 20 plus years and have never been late let alone received a call threatening turning me over to collections. I'm very unhappy, had I known I would have not bothered refinancing and stayed with US Bank.

My loan was sent to this useless, sad excuse for a company back in March, 2016. They said they got the loan in May. Since then, I have probably called 10 times trying to get my account set up on every other week payments. I filled out the form and sent it in....twice... and twice they lost the form, but cashed the check. On my last call, the lady said, "They probably have it and it is being processed." Nope, that did not happen. I asked for the welcome letter 4 times and finally received it three months after the loan was sent them. Two calls ago, I talked to a manager and he was going to call me back if he could not find the form. Guess what? NO CALL BACK. If you see that your new mortgage will be serviced by these clowns, run as fast as you can. The people working there are nice enough, but they cannot seem to get anything done. If this does not get resolved, my next step will be the attorney General and the FTC.

I have a question based on my terrible nightmare with Cenlar. Is it pure negligence on behalf of the financial institutions that sell and or service their customer loans with Cenlar or is it reckless as well? I have reason to "suspect" that lenders/financial institutions are intentionally and knowingly selling and or having the mortgage loans serviced with Cenlar and they are negligent in doing so, because they are fully aware of the issues surrounding customer service and complaints of "misapplication of funds" that have led to undue financial stress and/or ruin for so many of their customers, but they do so anyway, because they do so to pump up the profit margin. I suspect this, because I cannot fathom why any financial institution would ever sell your loan to a place like this in the first place? They are in the business of making money and it is apparent that customer service is a thing of the past.

I have a VA loan, and it has been mishandled so badly... They did NOT renew my Home Owners Insurance in 2015, they did not let me know. I found out when I was trying to lower my interest rate, and called my insurance company and they told me it was not renewed in July of 2015. I found out 7 months later! This company sucks. Lousy customer service, rude, insulting, very very unprofessional.

We just got our house just over a yr ago. Everything was fine until Cenlar took over, now we are behind because of them. Before them we had someone else and they were very good pulling out the money on time, never late. Now they pull it out whenever they want to. I called and talk to someone asking why haven't they pulled it out. She checked and said it wasn't POSTED on my acct!!! She said if it isn't pulled out by a Thursday or Friday to call back. By the way that was like a week later... so I called back on a Friday and the rep that answered said IT IS NOT POSTED ON MY ACCT! They are the WORST COMPANY!

Worst bank for home loans and worst customer service. The company I had my home loan with was bought by Cenlar. I made the payments on time. One of the payments Cenlar declines that they had not received it. The funds were taken out of my bank and my bank sent the necessary documentation to them citing that the payment was made. Cenlar reported a 30 day late due to this and now are not taking it off. Customer service reps are very rude and do not even have answers to the disputes raised. Now due to this have to wait for 1 year to get a freaking home loan to transfer my existing loan.

My loan was just transferred/sold to them and I tried to set up my online account to pay. Won't' let me log in – says I don't exist. No tech help available. Call and all you do is go around in circles in their system. Cannot speak to a human being. Finally did payment by phone. What a pain in the butt! Beyond poor customer service.

The individuals on the front line answering the phones have no idea what is going on and they are reading a script. They have reported negatively 2 times to the credit bureau which has negatively impacted my score! I have a filed a complaint with the Texas Department of Savings and Mortgage Lending as this is false reporting. This company is horrible and is not in favor of supporting their people.

If you are a new home owner like I was, I didn't think about who would actually services our loan after closing with the mortgage company. Now I would have gladly taken a percent or two increase in interest to not have to deal with Cenlar. The company makes setting up bi-monthly payments almost impossible and at the start of a new year will cancel your bi-monthly payments. Forcing the customer to fax in documents with no response if those documents will ever be received. I've had tons of issues and questions and never receive the same answer when talking to different employees. I'd advise if you are shopping for a new mortgage to ask who will be servicing your loan and find a new broker if they say Cenlar. There is a reason why their online ratings are so low and you will get what you expect out of a company that carries one stars across the board.

CENLAR managed to cash and lose our very first mortgage payment that was due June 1st. I had it set up a month before in my auto bill pay at my bank. Around 9pm June 16, CENLAR calls saying something about a "collection agency call" and say they never got the payment. Only because a small payment I made to a friend via bill pay around the same time never got sent received, I assumed my bank screwed up and not CENLAR. So I gave CENLAR all my bank info so they could withdraw the payment because I was concerned about a ding to my good credit score. As soon as I got off the phone, I log into my bank account and I see that CENLAR cashed my check June 1st!!! They just had me fax proof. When I asked "How do I know if/when it will be fixed?" They told me to call back Tuesday.

This has to be THE WORST mortgage company! The reps know nothing about mortgages and cannot answer questions properly. I called a month ago requesting a re-appraisal. The customer service rep told me I couldn't do that and I needed to wait until my LTV was lower. This was untrue so I asked her to ask someone else. I was then on hold for over 20 min while she received the proper information. She said I must email a special department, so I did. I then got an automated response saying I would hear from them within 30 days! 30 days to set up an appraisal!!! Well it's been 30 days and I have not heard from them at all. We originally went through Wells Fargo and the day we closed on our property they sold it to this awful company. We will definitely be shopping for a new mortgage company in the near future!

This is the worst mortgage company you could ever be stuck with. This company has "lost" 3 mortgage checks from us. To our surprise our bank sent us copies of the checks, stamped by CENLAR.

I faxed a document and request for a payment from my escrow account a month in advance of when I needed that payment. I had done this before and had received the payment within 2 weeks. After waiting for 3 weeks, I called customer service, who confirmed the fax by reading me the request out loud from the fax itself, and told me that it was still in processing, for another week.

Cenlar serviced my loan until it was transferred. I closed my auto draft payments and removed my payment information only to have Cenlar post another payment the following billing cycle. The new loan service also debited my account, thus two payments were withdrawn from my account. I contacted Cenlar through their listed number only to have the automated system recognize my phone number, acknowledge my loan was no longer serviced by Cenlar and hang up on me. I found a number for corporate who told me their only course of action was to send a check in 5-10 business days, even though they had withdrawn a mortgage payment mistakenly the day prior. When I asked why they could not process a credit back to my account the same way that had withdrawn it, I was told a form was necessary to correct the mistake and there was no way to process it faster.

My loan closed January 2015 and was quickly sold to CENLAR. What a bummer. I have been involved with CENLAR for just over a year and I have gotten delinquent tax bills twice now. There is no real assistance provided by customer service. We provide plenty of money via monthly payments. I just don't understand why they cannot get it together.

My loan was taken over by them. Nothing but problems from then on. Been trying for a month to just get a payoff so I can get rid of them. Major runaround for weeks now. Advice for all is get refinanced by someone else ASAP.

Recently, my county (Charleston county, SC) overcharged CENLAR for my property tax payment (it took the county 6+ months to process my primary residence tax exemption application, which is another story). However, Charleston County eventually refunded the overpayment in February two months later. After this refund, instead of adjusting my monthly payment back to the correct amount that factors in the correct property tax amount, CENLAR, through a series of customer service failures, continues to insist I pay an inflated amount that accounts for the initial property tax overcharge from Charleston County. They have rejected my monthly payments as short pay, charged me late fees, and continue to reject anything I pay under the incorrect, over estimated amount.

The lists of other people's poor one-star reviews here and on multiple websites including Consumer Affairs and BBB should have screamed the volumes of truth about this company, its people and their lack of operating with ethics and integrity. If had only known they were going to sell my home loan to these hoodlums and been presented another loan processing option I would have taken it in a heartbeat.

There is a 10 year tax abatement on the property we purchased in January 2016 which means there should be NO property taxes escrowed at all for a full 10 years. The Credit Union we originally obtained the loan from INSISTED that 3 months worth of property taxes be included in our closing documents until the abatement could be verified. We didn't like this but we went along with it. Verification was provided to Cenlar in March 2016 but they continued to escrow property taxes. It turns out that the City's Property Assessment office did not update their records in a timely fashion (which is a separate issue).

I have never experienced such horrible service. Within 4 months I called over 10 times and my problem is still not solved. Problem that they created idiots. I talked to 3 supervisors and none of them helped. MINUS 10 STARS.

I opened a HELOC in 2008 and it was sold to CENLAR. I drew out zero funds on the loan and they froze it at zero not due to credit but due to the conditions of the local real estate market. On the Cenlar website it states that the loan is closed. However they have the audacity of charging a fee of $175 to do the proper filings to remove the lien for a zero balance on my home. I am unable to close on a refinance mortgage without paying this fee. When I called and asked for them to waive the fee, they told me in no uncertain terms that they would not comply with my request. Should I like to dispute the fee I could email their customer service department but they did not have the courtesy of a reply. I have nothing positive to say about this company and after reading the complaints online, I can see why.

These people are grossly incompetent. I have spent hours (literally hours) on the phone (mostly on hold) to take care of an insurance issue. I pay insurance upfront for the entire year yet they keep billing me monthly. Finally, because they are so inept, I just quit called and am now paying twice for insurance. It is not worth my time anymore. So today, I got a call from Cenlar saying that I am uninsured. HOW AM I UNINSURED IF I AM PAYING DOUBLE??? I spent one hour on hold until the call was ended by some robot telling me that "There was a tech error... Sorry!" I called in again and was on hold for another ETERNITY before I spoke to a human. Was my issue solved? Of course not. I have to fax in proof, AGAIN, that I am insured. This is just bananas. Shame on you Cenlar. I am refinancing to get away from them.

I had NO idea how terrible this company was when my loan was sold to them!!! It has been years since I have had customer service this bad. I have been lied to, hung up on and have spent hours trying to resolve a very easy issue. Their customer service reps and at least the first line managers are horrible! Cannot wait to refinance with a REAL financial institution.

My house recently flooded and I am trying to rebuild. My insurance company issued my claim checks to me, my wife and CENLAR. They currently have $40K of my claim money that I need for rebuilding. When you call you cannot talk to the same person every time. The representatives are low level phone bots who have little knowledge about the process. If you are able to get a supervisor on the line you may have better luck. The website is confusing and lacks critical information. It seems that they intentionally keep you in the dark about the process. They send you letters saying that they want to make the process as easy as possible when in fact the opposite is true.

I didn't realize how TERRIBLE this company was when my loan was first sold to them. I am a Disabled Veteran and am constantly getting offers for a no cost refi. Cenlar approached me with an offer to drop my payments, as well as allow me to skip two mortgage payments. I decided to do it. I had an appointment with a title company to sign the paperwork at 3:00 p.m. on October 21st. I got a call from the title agent stating that Cenlar miscalculated the payoff amount and needed to correct it. My appointment was set back til nearly 10:00 p.m.

This company does not train their staff properly. I've called in multiple times to get my supplemental property tax paid using my escrow account. Explained to them that they have underpaid my taxes and I have a large overage in my escrow account that should have been used to pay my supplemental tax. The service Rep doesn't even listen to what I was saying and starts speaking loudly, almost yelling at me that they don't pay supplemental taxes. I try to explain that if they don't pay supplementals then they need to adjust my monthly payments so I can pay them myself. She just keeps repeating herself until I have to quiet her down and tell her she is yelling at me! She finally realized I'm correct after I have to slowly get her to quiet down and actually tell her point by point why my escrow account has such as overage. You can ask to speak to a manager but they say they are busy or make you wait on hold for a long time.

I can't even describe how bad this company is. I am actually refinancing my loan just so that I can be rid of these morons. I changed my hazard insurance and I have had to call them at least 5 times to REMIND them that they have already paid the new premium and I do have insurance. Today in the mail comes a notice that they are getting ready to buy insurance for my home. I am on hold for a supervisor of this company now, and boy do I have an ear full for them. This company should be shut down!!! They are COMPLETELY INCOMPETENT.

I will move my mortgage to another company and never get another mortgage from Weichert or Cenlar, as I hear it they always do this. What's the point in getting the mortgage from them when they simply sell it to someone else!!

This is by far the worse company I have ever dealt with that includes in all industries. The customer service reps are poorly trained and the management is absent or simply refused to come to the phone. In order to fix a problem you (the customer) have to link the employees of this company together just to hope you have a solution. And then somehow they manage to screw things up. I have a double pay issue since last September (2015) and it's now April 2016 and is not fixed. I am not ready to refinance my house but I am searching now just to get away from these idiots. No other word to describe the talent of this company.

My last mortgage company sold my loan to CENLAR few months ago. Since then my mortgage payment is not the same. It got higher last year and this year they increased it more. :( The excuse was the escrow increased the payment... After owning a house for more than 19 years I never hear such thing. I wouldn't recommend CENLAR to anyone. (: (: (: (:

I work for this company for 4 weeks. The vice-president refused to take a call from a borrower who demanded to speak to the highest manager there. I asked the borrower why she wants to speak to a manager and she made it very clear that she did not want to discuss it with me. When the vice-president came to my desk and I explained to him what was going on and he told me to get back on the phone with her and ask her again why she wants to speak to a manager, I explain to him again that she is very upset and does not want to tell me why. He insisted again that I get back on the phone with the borrower - at this point I asked him what is the proper procedure on handling calls when the borrower is requesting to speak to a manager.

After my mortgage transferred to CENLAR, my nightmare starts. I don’t know how many times I called CENLAR and filed complaints. First, I got the mail from CENLAR saying that they would be our new mortgage company around October 2015. I started contact them to ask about setting up ACH payment and bi-weekly payment from my account. And the representative said she happy to do it for me. She would send out the form for me to fill out and send back. After several weeks past, I still not received the mail; I contacted CENLAR again. She said "Already sent out," but she would mail out again. After couple week past, still not received, I contacted again. She said CENLAR didn’t have bi-weekly payment program (?!?!). Ok, now I changed to monthly payment.

Recently we had damage to our home and received a insurance check from our insurance company made out to us and the mortgage company (Cenlar). I took to the internet to read reviews on other people who had to deal with getting the check endorsed to have the repairs done. I have to say after reading the reviews here and on several other sites I was terrified that we would not get our check back so that we could get our home repaired. I let this stress me out so bad... and I shouldn't have. The company ask for a few things when we mailed the check to them and we included everything they ask for. I also sent a prepaid priority mail envelope to them to use to send the check back.

CENLAR has had our loan for 2 months and it's been nothing but issues. I made our first payment by personal check and mailed it in. CENLAR said it wasn't received and they couldn't find it even though my bank has proof of the canceled check. So I tried paying online through my bank to see if that would work better. CENLAR can't seem to find that one either even though, again, my bank has a copy of the canceled check. So now CENLAR wants to send me to collections because they can't figure out what happened to my payments. I've been on with their customer service reps over a dozen times and it's been pretty useless. They're all nice enough people but have no idea how to help me. If you can refinance with someone else, do it.

On March 11, 2016, I received a "March 1st due date" mortgage bill from CENLAR that was dated 29 Feb 2016. We had already received a "March 1st due date" bill from Wyndham Capital, dated 16 Feb 2016, on or about 18 Feb 2016. The Wyndham Capital payment was mailed on 25 Feb 2016 and posted on 29 Feb 2016. NOTE: "Notice of Assignment, Sale or Transfer of Servicing Rights" letter from Wyndham Capital, dated 22 Feb 2016, informed us of the transfer to CENLAR will take effect 08 March 2016. CENLAR sent a "Notice of Assignment" letter stating the effective date was 23 Feb 2016.

Absolutely the worst customer service I've encountered in a long time. Strung me along for months, didn't respond to my inquiries, told me they would call me back and never did. It's very annoying that my loan was sold to them and now I am stuck with this absolutely terrible company. Doesn't seem right, I'm tempted to refinance just to get away from them. Don't expect anything to be handled promptly or appropriately.

Number one these people do not listen and choose to respond with answers that do not reflect the question asked. For me they are not paying taxes on time or incorrectly. I send them the information and they respond like they are ignorant. I'm sure the customer service staff do not own homes or they would try a little harder. I get put on hold forever when asking for a supervisor I just hang up... guess that what they hope you do. I was on hold for hours (not joking here at all). I hope there is a class action or some consumer law suit that is filed against these fools so they get the picture to stop being idiots and start helping the customers whom keep their lights on. ** idiots.

Rep, Margaret advised me a pic of payment would suffice. Not so. Sent 2 notices nonpayment. They should be shut down ID theft. GA Telco uses them.

My home loan was picked up by Cenlar. They sent me a letter stating they had paid my Home Owners insurance. I have been paying my insurance myself since the closing. They are telling me I have to replace the amount they paid to my insurance or they will increase my monthly payments. When speaking to their employees they mumble responses that don't make sense.

My loan was recently transferred from Provident Funding to CENLAR. CENLAR's website is NOT customer friendly. I tried twice to set up auto pay and was rejected twice. The only options the CENLAR menu shows are pay by mobile and pay by phone. CENLAR won't make any money off my loan. As soon as I found out that Provident sold the loan I paid it down by 30%, saving thousands of dollars. I intend to pay off the remainder within two years, saving an additional 40 to 50K.

We closed on our home Nov 2, 2015. My loan was sold to Cenlar the same month. I made my first payment Dec 5, 2015 which was applied to my January mortgage. On Jan 4, 2016 the payment was reversed, not returned to me. My January payment is currently in Limbo in a form of a check. How that happened is beyond me. Long story short they are now saying we are a month behind on our mortgage payment. I have called zillions of times and I cannot get anywhere with these people. Customer service is horrible, they are disrespectful, NO one seems to know what's going on. I was told numerous times that they are sending off emails and that they will call me back but that has not happen up to this point. 3 months later and I am still living this nightmare.

I have two mortgages through Cenlar, the one in question is Loan #**. I received a notice informing my insurance was going to be canceled. Bottom line is that Cenlar is failing to pay the insurance out of the escrow. My insurance agent called Cenlar three times and the most recent call my agent was hung up on. I called and was put on eternal hold and the person never bothered to talk to me.

Mortgage bill went up 300 a month without notice. CENLAR admits they made a mistake in how they paid out my taxes to my municipality. However I have been trying to get in touch by phone and email since January 12 only for them to say they can call me back and never do. I google this company and everybody has the same problem we do.

My mortgage was sold to them in January 2016 and nothing but headaches since. It appears the left hand doesn't know what the right hand is doing. Well I'm not playing their games. Already have a lawyer and going to sue, and suggest everybody do the same.

On 01/08/2016, I received an Escrow account disclosure statement. It indicated that my account had a shortage of $2623.63. I have called customers service repeated in an attempt to learn why the increase! As of today, I have not received an answer. I've called the LA County (Calif.) Assessor/Controller to find out if there was a tax increase for 2016. I was told that property taxes for 2016 have not been determined yet. Today's date is 02/28/2016. I have been placed on hold when having asked to speak with a supervisor for interminable lengths of time. On March 1, have been ordered to pay $2434.04, (my new mortgage payment if I cannot pay the shortage in advance) an increase of $309.47 monthly! That is PURE INSANITY!!! Especially when one considers that I have not gotten an answer as to WHY!

My husband and I have been "misinformed" (lied to) regarding the protocol for an insurance check to do home repairs, more than once, by several of their representatives. Since they are holding in excess of $40,000 in funds we need to have to initiate repairs and giving us the royal runaround we did something about it. So, for all you pissed off Cenlar customers I recommend this course of action. Make a complaint with the Consumer Financial Protection Bureau. We did and they forwarded our complaint to Treasury. Maybe if the CFPB or the feds get enough complaints they will actually do something to help us all.

DO NOT DO business with these **. They could care less about customer service, will put you on hold and not come back to the phone. I am calling the Better Business Bureau and the Attorney General of NJ to see if these ** can lose their license to do business with anyone in the USA. Worse service I have ever seen. I been asking for my papers to do my taxes which should of been send by the end of January and nothing yet. I asked to have them fax 3 times and still nothing. AGAIN TRY TO STAY AWAY FROM THESE **.

First this mortgage company has been paying my neighbor's taxes with my escrow account. I live in Saint Petersburg, Fl. Looking by the comments they do that a lot. I do not pay property taxes because I am 100% disable veteran. But they are raising my note approx. 600 to cover property taxes just in case they ever collect them?? Their customer service puts you on long holds then the phone magically hangs up. I have just put in a complaint with my States Attorney General and the FTC, but I am sure I will lose the house before they respond. In my opinion Cenlar is crooked and scam artist stay away.

I have applied for a modification in October 2015. I sent my documents at least 20 times. Cenlar indicated they were illegible or they were not received. I sent them to two separate supervisors who confirmed they could read them however two weeks later was told they were illegible. Finally the documents were received. I was required to wait 30 days to get an answer from the underwriter. On the 30th day the underwriter reviewed the information and made a mistake on my income. I called in January to let them know and am now being forced to wait another 30 days. I have called at least 25 times, emailed at least 15 times. I have names of each person I spoke to. In the meantime my loan is turning into a mess. Can someone please help me.

My loan with another mortgage company was sold to Cenlar in November 2015 and has been nothing short of frustrating and expensive. First off, they took weeks to get in touch with me. I had to contact them so that my mortgage payment wouldn't be late. I was given their info and began paying them. Somehow there was a mistake the following month and money was deducted from my checking account AND I had sent a check. My bank called to say they were trying to cash a check and I said to send it back because I didn't have another grand plus lying around. It cost me $27. Then I wrote a message on their website and they sent the check through again. I emailed them and they sent it through again. I called them and... well it cost a lot of money before I finally put a stop payment on the check. January was fine but I canceled my auto pay to make sure they didn't screw me over again.

It seems to be the same complaint - they paid my taxes and also an additional amount which turns out to be the neighbors next door. They won't remove it. I've proven by legal documents I don't owe it but no one will fix it. I've logged over 18 hrs of calls.

ACH payments made, not credited to account. Calls to customer service not answered (on hold 30+ minutes). Paid escrow for taxes, taxes not paid. Fouled up homeowner's insurance. Email replies to inquiries are rank gibberish. TIME TO CONTACT STATE'S ATTORNEY GENERAL. Btw, customer service has offices in New Jersey.

I called today Cenlar to discuss with them that I'm enrolled to a bi-weekly program provided by other company. I just want to inform them about it so I won't make any double payment. The customer service said "Can you hold on and I will double check your account". Then after 12 minutes she said "Thanks for waiting we're still looking at your account". Then right after 20 minutes they hanged the phone. I did it again and same thing, they hang up the phone right after 20 minutes.

I am a real estate broker in California, and desperately need to contact "someone" in Cenlar management regarding a short sale. I have been trying to submit a short sale contract to them since September-October 2015. EVERY SINGLE TIME, after waiting their required week for the "review team" to review the documents, they come back with at least one of the papers as being out of date or not acceptable - BUT NO ONE WILL TELL ME WHAT IS WRONG WITH THE DOCUMENT THEY WON'T ACCEPT. THE PROOF OF INCOME IS STRAIGHT FROM THE VETERANS ADMIN. My seller is a 100% disabled veteran that has cancer and MUST move nearer to medical attention and possibly to San Francisco or Midwest for a transplant. HELP, SOMEONE - please give me an inside #, email, or fax for higher management that is willing to assist.

If I could give less than one star, I would. This company bought my mortgage in March 2015. It took them almost 2 months to get me set up with an online account so I could pay my mortgage. It took 2 weeks before I could get anyone who could tell me HOW I could pay my mortgage without an online account. Next was the issue with my homeowner's insurance, which is paid out of my escrow account. My insurance company had to send proof of insurance 2 or 3 times before CENLAR would acknowledge receipt of it and stop sending me notices threatening to cancel my mortgage.

I am right there with you all with your complaints. Ours is a little different. we have made 3 house payments (never late in 20+ years) that are not showing up on statements. They send foreclosure certified letters weekly. And you don't get anywhere with customer service. There was someone on here awhile back that was talking Class Action Lawsuit... well I am in!! Please contact me again.

On hold with Cenlar while reading all the reviews just to realize that I probably will never get my problem fixed. Whoever set up my mortgage didn't put in my info that I pay Homeowners Insurance to my company upfront. Their monthly statements do not specify Homeowners specifically. 8 months later, I logged in for 1st time to realize that they've been charging me $128/mo for insurance I paid for. Provided them everything, call every day, few times - idiots are not doing a thing! I don't think there is a way out here - they will never change anything. I probably have to refinance and eat my losses just to escape.

My mortgage was bought by Cenlar only 3-4 months ago. I am already having trouble with my escrow money since they do not want to release any funds for property taxes. It's been a month since they generated the check and I am still having to deal with 30-40 minute wait times on the phone only to get lame excuses and talk to people that have no idea about what is going on. I get the same responses many reviewers have in this thread.

I don't know what's going on with this company. I have been trying to reach a live person for the past 3 months and have left at least 50 messages and not even one person have called us back. What does a person need to do in order to speak to someone in Cenlar? After looking for information on this company, all I see is negative feedbacks and similar issues. BEYOND STRESSED OUT!!!

It appears as though I am not the only one that has issues with this Cenlar. I, like many others, have my escrow account being held hostage, they refuse to pay my taxes so now a late fee has been applied. I call in to talk to a supervisor and the idiot transferred me to a fax number, called in immediately after and got hung up on. It appears they are just a loan serving company that is supposed to handle the financial transactions for the loan provider. What are our recourse? Is there a way we can create a civil complaint to get these guys to correct their actions?

CENLAR purchased my loan in November 2014. A short period after I received a letter asking for insurance information. I sent it as requested, I received another letter saying that the flood limit was inadequate by $1,532 on a townhouse unit that the association carries $3,029,400. I explained the amount. They say it was under insured by is less than 1% of the total insurance amount. At that time in 2015 they said the limit was ok. This year the same letter arrived and this time they would not accept anything other than increasing the flood limit. I tried to explain that someone was reading the insurance coverage incorrectly, and asked to speak with a manager. I was transferred to a manager's phone only to be on hold for over an hour. I finally spoke to a manager and explained the same thing happened last year and that they just were not reading the limits correctly.

And I thought I was the only one living this nightmare, after reading all the other complaints, there is something wrong. Cenlar has been holding my escrow account hostage for months. Every month they get my mortgage payment which is a hundred dollars more than it should be. Faxing and sending certified mail and a hundred phone calls, my escrow account is still being overcharged. As a former State Investigator all these complaints of overcharging is a red flag that something is not right. New Jersey Attorney General should be investigating and auditing this company's escrow accounts.

This Company is horrible with customer service. I have been trying to get my escrow account corrected for the past month. On December 8, 2015. I called to inform them about a mistake on my escrow account. I need to get it correct so can pay monthly payment on my home loan. I have gave my current escrow tax my school tax. They said they will make the adjustment. Call back in three business day. Each time I call back the answer was the same. Nothing was ever done. It is a terrible company. I want to speak to a supervisor. Put me on hold for hour then hang up. It took me 8 time. Finally I was able to reach their supervisor last on January 8, 2016. His name is Gerald. I explain my situation to him, he ask me to fax my true county tax and school. He will make the adjustment and promise to call me back on my cell phone on Monday 11, 2016. He never call me back, I have to call again to see the adjustment.

Last year, my insurance company, Travelers, sent in the information for the Hazard insurance. Cenlar never received it. I got a warning and I entered the information in the website myself. Same situation happened this year. I was paying insurance, because I thought they were not escrowing the money. I come to find they are escrowing the money. I had to go through 5 different people, calling one after the other until I got someone to confirm to what it was saying not the website.

Cenlar is the worst loan administration company. I bought a new construction and provided all documents showing what my taxes are and they cannot, for the life of it, get it right. I spent hundreds of dollars faxing documents over and over to both representatives and supervisors who never appear to see these document from the previous person sent to. They are very unprofessional and the staff is very incompetent. I called at least 30 times, did not more within a period of 2 months to resolve my taxes but nothing gets done. They tell you they will open a ticket, email this department and that department to rectify the problem and nothing ever gets done.

Cenlar is the worst mortgage company I have ever dealt with. Like many of you, Cenlar has messed up our insurance, taxes, and escrow account. I've spent numerous hours on hold and talked to multiple people all who have said they would resolve my account issues. When I follow up on my account, I find that Nothing has been resolved. I am told that they are "researching" or "emailing" the tax and insurance departments and I cannot speak to anyone else. I have faxed and uploaded tax statements and insurance documentation to Cenlar and no one can seem to find it!

I currently have a home loan with your company. Several months ago, I was granted a homestead exemption and a property tax assessment freeze for my home by my local tax assessor's office. I called your company TWICE and reported this information. On each occasion I was told and assured that your company would get the necessary information from my tax assessor and change my monthly payment amount. I have received my recent monthly statement and note that nothing has changed. The amount is the same.

I had a shortage on my escrow. I had the option of paying the shortage and keeping my payment the same, or having my payment increase. Fine; I paid the difference. However, my monthly payment online continues to show the increased payment amount as if I had not paid the shortage. I log onto my account history and it clearly shows the shortage payment recorded. I've called customer no-support so many times, that I have the phone tree and security questions they ask memorized. What a joke! Each agent tells me the same lie. "I've taken care of it, wait 24 hrs and the correct amount will show up online." I wait 24 hrs, and still no change. I call back. Wait forever. I've been hung up on. I've been placed on hold for more than an hour. PLEASE sell my loan to another company.

The guys bought my mortgages about 5 years back, then sold one within a few months, sold the other a year after that. When they bought them they harassed me about providing them insurance information. I told them they should have gotten that from the previous lien holder. Just last week they bought one of my loans again... They sent me a letter telling me they own it but I never received one from the previous lien holder. I contacted them and they told me they had sold it but to Lakeview and not CENLAR. Seems that they are working together. I have gotten 2 refinance "offers" from Lakeview sent FedEx. I am refinancing now with another company who doesn't sell their loans. Stay away from these clowns if you can.

In late September we had a terrible storm that passed through our town. Our insurance company Liberty Mutual came out and inspected our damage and gave an estimate for the repairs. The contractors received the payment for repairs; some out of my pocket. Repairs were completed 1 December. Liberty came out to inspect. All repairs complete. Cenlar came out all repairs complete. Sent a revised payment to Cenlar for consign and they stated that they needed a copy of all receipts and a signed lien release along with a W-9 and a signed contract from each contractor that performed the work completed. That is fine have nothing to hide but why is this process taking so long with all the stipulations???

I just purchased a new home in May 2015. In July, Cenlar became my loan company. Everything seem to be going just fine until I get my annual escrow statement. I showed my relator who has been in the business for over 30 years and immediately she says "something is wrong with this statement." Although I have paid over $4300 in my escrow because they had to pay $2500, they said I owe over $1900 in order to keep my payments as is now. Then I went online and saw all these reviews and I knew I was not crazy.

My loan was recently transferred to Cenlar. After waiting on hold for an hour, I was disconnected. Called again, repeated time, but only receive message no answer. Why have a customer service number, when they don't even answer the phone? Cenlar needs to be investigated the government agency.

We have owned our home for 12 years and never been late on our taxes until Cenlar bought our mortgage. We have had to pay our taxes again for 2014. Cenlar has our money in escrow but they WILL NOT pay. We have been calling, faxing and emailing since September 2015. No one will help us. We had to pay our taxes again and physically go to the tax office before they put our home up for a tax sale. Needless to say, our Christmas was very slim since we had to pay taxes that should have already been paid. We sent a copy of the receipt to hopefully get reimbursed. No one will respond to us. We do not know what else to do.

Texas Capital Bank as for any other bank. They sold our mortgage to Cenlar out of New Jersey. With the few days of transfer all the problems started. They told us that we were behind a few months in which was true but we caught up to find out that our payments were stolen by their company. Now we have to seek legal help in order to keep from going into foreclosure. Our taxes, home insurance and community dues are included in our escrow. These are due already in which we will have to pay late fees. Damage to our credit.

In November Cenlar took over my mortgage loan... I had been paying the same amount for 3+ years and all of a sudden I noticed that my mortgage had increased almost $450!! I called them and they told me that it had to do to an audit that they performed and that they HAD TO increase it to be able to cover for the taxes and insurance... Why wasn't it an issue before?? They also went on to say to me "You're already upset but wait until 2016 when it will increase more." Who the hell is Cenlar anyways?!! & how can they do this?!

We've had the money in escrow for a week now and all we want to do is pay off the loan. Cenlar needs only to give the final loan amount to their assigned attorney. This request - the payoff demand letter - was sent two weeks ago. Malcom ** at Trustee Corp is the atty. When I called his office, they said they were waiting for Cenlar to fulfill the LPS request to get the final loan amount. When I call Cenlar they say they sent this info to ** already. Both parties refused to get on a conference call. When I asked to speak to a supervisor at Cenlar it took another 45 minutes. Four days, four calls, nearly five hours and still not resolved.