Cenlar FSB Reviews

I received a letter on 11/13/2015 from Flagstar Bank saying that my loan would be with CENLAR in New Jersey. I have called them on numerous occasions to get information on where to send my December payment, and they keep telling I am not yet in their system. Today, 12/15/2015 I finally get through and get a new loan number that is no good because it will not accept on their internet website. This total BS!

I was informed by Ocwen Mortgage that my loan was sold to Cenlar. I have nothing from the new company and have tried to call them to no avail (who has hours during the week to stay on hold?!!) I have no documentation from these people and after calling Ocwen they only gave me a P.O. box to send payments to. I have no way of verifying for sure if this sale was even completed, so I am not going to send money to an unknown P.O. Box (who does that?) I've received nothing from this company. I tried to set up an account with them online to pay that way and it will not let me create and account (says loan number and SS # don't go together). I tried to call and recording says long wait times again.

I have been out of work for over 8 months and like most people with none to little income have fallen behind on my loan payments. I recently secured a good job and called Cenlar to pay 1 payment and they declined to take my money over the phone telling me that they needed at least 2 payments which obviously I did not have. The lady on the phone even had the nerve to tell me that 1 payment would not help me. Well after talking to several reps and supervisors I was told I would to pay more.

We are selling our home and I called to ask if we could possibly not make our final month payment and have that put into the final close out amount. I was pleasantly informed that would be no problem and there would be no effect on our credit. Then I got a letter in the mail about a week later saying that my loan was late. I called and was told they are reporting it to my credit agency and that I need to make the payment now despite what my previous phone call had told me. They said that they would review the phone call but there was nothing they could do about it. I needed to make my payment no matter what. I find it absolutely unacceptable that I was given the wrong information by them and that they take no responsibility for that but blame it on me. I will never never never use this company again and hope others follow suit. They are not trustworthy.

My mortgage loan has been with Flagstar for 4+ years, and I've never had an issue with them, or them with me. Recently (11/13) got a notice that my loan is being transferred to Cenlar. On 16th I contacted Cenlar to try to get info on where to make Dec payment. Was told my loan was not in system, but that "Cenlar would mail me a packet." I asked how would they be able to mail me a packet, if I'm not even in the system, and was told that "they enter my personal info into the system first, and then the loan" -- which sounds pretty much like BS to me. I sent an email to their customer service re this conversation. Today is the 25th -- no answer to email, and no packet. Great start to what I'm sure will be an unpleasant relationship. I am going to complain to Flagstar about selling loans to known problematic companies. I respect their right to sell the loan -- but it's seems ethically wrong to deliberately sell it to a company with complaints a mile long.

My home mortgage was sold to CENLAR three years ago, shortly after I purchased my home. I have always been proactive and submitted all required tax/insurance documents 45 days in advance, as stated on their website. Every year CENLAR has been consistently late in paying our insurance premiums to the point of lapsing in coverage. This year, it appears they are going to be late again. It is very frustrating to deal with them. As a responsible consumer, I follow the guidelines established by CENLAR and in return I expect them to meet their obligations in a timely manner. Phone calls into their customer service leave me on hold waiting to speak to someone in excess of 30 minutes, email inquiries do not get responded to for 10+ days. When they do respond to the email, their responses never address the issues. This is totally unacceptable and should not be allowed. What leverage do I have to solve this problem?

Cenlar is the worst mortgage Administration company I have dealt with in my 55-year experience. They don't seem to address their problems. CENLAR has a message center which I have used twice. They send me a response saying message will be answered within 24 hours. 1st message 11 days old, 2nd message 2 days old - no answers. My situation is that I paid my loan off and then CENLAR took out an additional payment through auto payment although I had sent them a fax to stop it. In addition, I was told by their representative that withdrawals stop automatically when loan is paid off.

I have been trying to speak to someone at CENLAR Central Loan administration for over 2 weeks now. Every time I call they have a problem with their system or they don't have access to the documents that I faxed them. I have been on hold for over an hour waiting for a supervisor to take my call. They have listed in their computer system that my escrow is short when I am proving to them it is not. Someone is either embezzling or stealing. Math is very simple if my taxes are 1200 dollars a year I should be paying 100 dollars a month not 180.00 dollars towards my tax portion. Very poor service. If your mortgage is sold to this company be very weary.

Like many of your posts my loan was sold from Sun West to Cenlar earlier this year. Every year in the past that I was with Sun West I would receive a check for overpayment into the Escrow account set aside for property tax etc. This year I noticed our property taxes decreased by $40 and I also purchased insurance through Erie resulting in annual savings. My question is why instead of my usual $300-ish reimbursement check I received a bill for $33.00. Who can we report these predators to?

My loan was sold to this company. And when trying to make my first payment they tried to process the payment out of my savings and not checking (even though it was clearly marked "checking"), which caused a non-sufficient funds charge by my bank twice ($20 each). And then they charged me a NSF fee of $20 as well. I will say they did credit me the fee after two long phone calls and having to speak to a supervisor. But I shouldn't have to jump through hoops to justify an electronic issue between them and the bank. They want to blame the bank and the bank wants to blame them. I don't care whose fault it was, I'm not the party responsible and therefore, should not be paying the fees. I wish we had a choice in who Academy Mortgage sells their loans to... This company is absolutely horrible!! I think I'll start shopping around for another lender.

Cenlar bought our loan from Sun West Mortgage. I have had nothing, but problems since moving to Cenlar. Just like all the other complaints, you can't talk to anyone! They have not paid my escrow for the year, as of today as a matter of fact! If you are having issues getting escrow paid, contact your insurance agent. They should be able to help you get it resolved. I had to do that today and have been told a check is being processed. I will continue to monitor the account. These people have the worst customer service reps I have ever spoke to! Wish I could take my loan to another company! !

Our mortgage was transferred to Cenlar. I was told I could make payment after 11/3. So far they can't find my account. I am afraid after reading the reviews. My taxes or insurance will not be paid. My taxes are due now. My husband is a disabled vet. We can't afford late charges.

I got an offer from Cenlar to refinance my loan through Quicken. I had to create a new escrow account and fund that. Then, Cenlar was supposed to refund my original escrow account, over $2,300 within two weeks of closing. It is now two months past closing and I still don't have my escrow money back. I have called seven times and EACH AND EVERY TIME, I am told another lie. The check's in the mail, the check was "missed", the check is missing, and on and on and on.

They bought my mortgage from Sunwest. They are not adhering to the terms of the mortgage that were set 5 years ago. Even worse, they aren't paying our taxes or insurance from the escrow account. You can't call and talk to a person. 8 weeks I have been trying to get this fixed and talk to a person. Nothing!

I FEEL SORRY FOR ANYONE HAVING TO DEAL WITH CENLAR. In mid July 2015 my mortgage was sold to Cenlar from Pacific Union. With Pacific Union I had bi-wkly payments automatically deducted from my bank & always 1 month ahead. 1st call (July) of many to Cenlar I was advised to send 1/2 payment to make Aug mort. satisfied (I immediately did). Early Aug I sent Sept mort. in full & early Sept I sent Oct mort. in full. Cenlar tells me the Sept payment was sent back to me "how/when" I never received a check & the $ was not credited back into my account. Cenlar then sent me 9 loan statements for Oct (stating it's not paid).

My insurance company mailed a check for the roof to be replaced/repaired in July. The check was made out to Cenlar & myself. I was told to mail check to them so they could endorse it & send it back. Never happened! Every time I call they gave me a new explanation as to what needs to happen. It's October & I still can't pay contractor for job they completed in July.

Cenlar is REALLY the WORSE bank! They really should not be called a bank. They are not good with handling people's money/mortgages etc in a professional manner. I was too the unlucky one who was automatically placed with this company during a transition from a previous bank that was bought out by them. We re-financed our home and Cenlar bought off the mortgage. I am a really unhappy and dissatisfied customer and want to stress out to whoever is looking for a loan STAY AWAY! THE WORST BANK EVER!!!!

My sister bought a rental house 10/2014 Escrow closed. We paid one year insurance premium $502 and a few months reserved because we set up impound tax and insurance. September of this year we received notice Insurance was due. We sent them insurance bill. They paid it from our escrow account. A few days later we received another notice saying they need insurance evidence of last year. If we don't have it they will buy insurance for last year cost $1265. I checked with title company. They said the premium was returned undelivered last year. No one ever give us notices until now. The problem is we are unable to purchase the insurance for past year. It is over. Nobody can back date. Nothing happen during that period. We called Cenlar and waited for 58 minutes then the line was disconnected by itself. OMG, what kind of customer service that is!

Cenlar does not properly train their staff. My husband and I have called SEVEN times in the last week with a single question about our loan. We were given several different responses from different staff members. We were promised that the issue was resolved - only to find out via a statement that we were being charged for the unresolved issue. We were disconnected several times and were never called back. When we asked to speak to management, management assured us they would call us back the next day with a resolution. We never received a call back. Just terrible. We are going through the headache of refinancing to get away from Cenlar.

My original mortgage was thru E1 Financial which was purchased by NuVision FCU. That was the beginning of my nightmare. Now I'm told there is a Cenlar involved with my mortgage. No one told me nor notified me of the change!!! After horrific years of dealing with these entities I requested a payoff quote to enable me to refi out of this non ending nightmare. I received a payoff quote of $70K+ more than my original loan in 2007 though payments have been made. It is a fixed rate with principal & interest being paid. Per their instructions on the 2nd page of the quote I called & requested the itemization on how they arrived at that balance. They will not give me one; on my 3rd phone request they told me they have to review. How in the hell did they come up with the quote they sent me if they had done the math to provide the payoff!!!!

I am currently on hold. It is 6:55 AM and I called at 6:34. Cenlar assumed my loan and since then it has been a mess. They say they cannot locate my hazard insurance so they never sent the hazard insurance payment. Now I have no hazard insurance. My insurance company says they've called Cenlar twice and been assured both times the check for the insurance is coming. It has not. I am now attempting for the third time to fix this. IF YOU HAVE A CHOICE DON'T USE CENLAR! REPORT THEM FOR ACTIONS LIKE THIS IF THEY DO!

Cenlar is the WORSE bank ever. They should not be called a bank, they should even be able to deal with peoples money/mortgages etc. Either they have the most incompetent people working there or they are on purpose trying to piss off every customer who was unlucky enough to be bought out by them. We re-financed our home and Cenlar bought off the mortgage, unlucky for us. The agreement of our mortgage was that we will pay our taxes to the bank and the bank will pay our taxes to the county twice a year. We have done this before and it was never an issue. Again it was never Cenlar.

Our mortgage was sold to this company and I never received anything in writing. I called the original lender, who gave me Cenlar's information, and the customer service rep was completely inept. She refused to give me a mailing address for payment! I am going to refinance just to get away from this company. Horrendous!

I got a robo call that quickly told me to call Cenlar at a phone number. It went by too quickly for me to understand so I had to look up the number on the Internet. There was also no explanation of why I had to call them. (I believe they have been trying to call me for a while but I never heard anything even after saying "hello" multiple times.)

Settled on home and made the first mortgage payment to our lender before we received notification that the loan was sold to Cenlar. Our mortgage company forward the payment directly to Cenlar. I followed up with Cenlar and they say they did not receive it in spite of me giving the information of day, time and person who signed for it at Cenlar.

It really stinks I got stuck with Cenlar once the mortgage company I initially financed with sold off my mortgage to them - because they were awful. My ex-husband and I had purchased the house together a few years back. When it came time to splitting up our assets, I was to remain with the house, which meant I had to refinance with another company in just my name (thank goodness).

Throughout the duration of our loan when it was sold to this company, the customer service phone call has always been a nightmare. They send a letter to notify us about a unclaimed check. We wrote back and send the letter back with a photo evidence. Then, I decide to call the numbers listed on the last letter that they send us only to find out all phone numbers are unworkable. The number they provided on the letterhead of Cenlar was not working (609)538-4025. When call the Unclaimed Property division the number provided as (702)486-4140. This number is no longer a working number. This company has been fishy since our original loan sold us to CENLAR. Really bad business practice.

Recently found that present mortgage servicer sold to CENLAR. Crap! I've never missed a mortgage payment, and now it seems like I did. I sent in my payment and have proof from Chase that amount was deducted by CENLAR before mortgage due date. I contacted CENLAR over two days, spoke to several supervisors, and faxed copies of cashed checks with their company signature. They have yet to apply payments to my loan. I will contact credit reporting bureau next and possibly seek legal counsel. Buyer beware with CENLAR.

My mortgage co changed hands for the 3rd time in a yr. I went to pay my 2nd mortgage co. My last payment but they said nothing was due and of course I couldn't find the letter stating that I owed it to them. In August I started receiving phone calls from a 609 #. They called several times a day but wouldn't leave a message. I called it back only to hear a recording saying that it was a non-working number. I had no information on my new company (i.e.: acct number, phone number, etc.) to pay my mortgage. At the end of august they sent me a loan statement and said I owed for two months. I would not have owed them anything if they weren't so shady. WHAT COMPANY CALLS ON A NON-WORKING PHONE?

Started getting phone calls right after my loan was transferred. The letter states the loan would be ready four working days after the month. Caller on the sixth day requesting my paperwork, I wasn't on the system yet. Rep tells me it should take a week. Call a week later, another rep tells me I'm not on the system yet, and I'm still getting phone calls requesting my payment. Talk with the first supervisor, (total animal) he then tells me it should of been done by the 7th day of the month. When I asked bout the week after, he didn't know why I was told that. And I still wasn't on the system. I was it another 3 days call the second supervisor, send him paperwork he requested, he said he would call back. I'm still still waiting on that phone call.... And they advertise 24 hr response it's b.s.

Long story short, they lost 3 of my payments. I see the payments coming out of my account on my bank's statement. They then prevented me from making additional payments by not accepting the payments through my bank. They sent my loan to a foreclosure attorney. I spoke with the attorney's office and what Cenlar would offer me--a "Streamlined Refinance" opportunity to get things back on track. I knew I'd never get the money for the three payments back, but figured I'd take that loss to get thing straightened out.

CENLAR would not acknowledge me. I was a co-signer on my deceased mother's check account. Upon her death the house/property came to me. I still have the DEED. I saw that mortgage payments were electronically deducted from the account. So I allowed this to occur as if Mom was still alive. I sent a death cert. and a copy of Mom's last will and testament to CENLAR. I wanted to refinance the house and keep it as a investment property. I could have paid off the note if I wanted! But CENLAR would not acknowledge that I was in control of my Mother's estate.

Had my home 20* YEARS. Pants automatically pd 3rd of every month. Filed bankruptcy. Month after filed, local lender sold. Got a HAMP loan. Never missed pants and paid tryouts bankruptcy and as per new loan with Cenlar. Cenlar did not record new mtg till months later in their records and refuses to acknowledge pants made also with previous lender. Sent me default notice for thousands a week after they recorded. I provided receipts, western union, cashiers and even their own statements. Now they're foreclosing. Used my pants for fees etc and whatever did with. I owed $61,200 on my lake home worth $260,00 June of 2013.

We refinanced our home last July (2014). We discovered 60 days later that our mortgage was sold to Cenlar. There was no phone call. Only a piece of mail 60 days after closing stating our new loan number and where payments should be sent. Due to income issues, we are in the process of selling our home. We are a military family stationed in a different state from our house. We fell behind 2 payments. Our tenants move out and our realtor informed us that the lender came and winterized our home. (Again we are in the process of selling.) How can they winterize our home without giving us proper notice?

Everything I read on Cenlar in ConsumerAffairs is true. They forced flood insurance on me and it raised my mortgage $200.00+ within a year of selling to Nationstar also going in and taking my escrow money. They are nasty on the phone, seems like the calls are outsourced to another country. With that I'm on a fixed income. In 30 yrs of being a homeowner I've never missed a payment. I'm in the transition to Nationstar. I did send Cenlar county documents stating that I am not in a flood zone. They will not refund my money. They are nasty on the phone and just for my own satisfaction I had my homeowners ins company call while I sat and listened and they consistently lied to them. My question is why is there not a class act lawsuit or investigation yet or do they get to take all us customers money and no one to help or stop them.

My loan was to another company whom subserviced CENLAR. When I first contact CENLAR, they did not have my loan #, or any account information in their database. The only thing CENLAR's Representative would ask me for, my bank routing & account # but could not tell me how much she was going to deduct from my account. I wrote to Gregory Tornquist, he never responded, but the company Lawyer did. In review of all the complaints, this is how I am beating CENLAR at their own game.

They held my escrow so they can charge extra monthly mortgage insurance. And they don't calculate the daily balance but make you pay the full monthly interest charges to their benefit of course. They site the respa rules for their decision to do such activity. When I spoke to someone on the phone, they said I would receive the current balance which has been chipped away to a lower balance. Governmental thieves, run the other way. Not only are they bankers but government. Together with Prospect mortgage, you'll go broke quickly, unless you stay ahead.

I made the March payment online on 3/16/15 and received "Payment Successfully submitted for Transmission". When I went in to make the April payment I noticed I owed two payments. I looked at the payment activity saw where the payment was reversed on 3/19. I immediately called Cenlar and was told the payment was reversed because the account information sent to the Bank was wrong. I asked them what account number they forwarded to the bank. The CSR told me I had to send a letter to their Research Department, which I did, along with the receipt and documents showing the last four digits of my bank account. No word. I finally called again and they told me they contacted the bank and the bank said the wrong account number was sent to them. OK, I asked again what account number did they send to the bank. They have yet to tell me.

So much has happened I can't even begin to remember it all from them saying they have no record of me calling. Even though I have documented, they said I was wrong, to raising my payment due to an increase in homeowners insurance (which being on a fixed income caused me to fall behind) when in fact, my homeowners insurance decreased by over 500 and I have been paying 41.73 too much for 4 months. I asked that I be credited so that I can bring my account current and they said no. I asked what was going to happen to the $125.19 I overpaid, they said they didn't know. I was then told there was nothing to be done about it since my payments were already made. I said yes, but they were overpaid and I want my money to be credited to my July payment so that I can bring my account current. I was told that could not be done and they didn't know what they were going to do with the money. It's my money? They have overcharged me.

The agent called my cell phone, to collect a payment that I have already made and was completely RUDE!!! There was no customer service training apparent on the phone with this person. When I asked him to please check again; he said his system was up to date and there was no need to because the payment was not there. I stopped his rant and asked for a supervisor; he put me on hold then came back saying he was transferring me to the supervisor then hung up on me.

We closed on a home loan in September 2013 and as first time home buyers were ecstatic. A few weeks after closing we received a letter from Cenlar notifying us that our loan had been sold to them. I Googled Cenlar and came across bad reviews but thought "I'm just paying another bill, what can go wrong?"

There was a mistake on our mortgage. When I called the company to get it corrected I was transferred to four different people, all trying to tell me that they were right. All rude and talk to you like you're stupid.

Had water damage, filed a claim with insurance company. In turn they cut check to myself and CENLAR. I initially asked if self-repairs are authorized and was told yes. After I received packet in mail and called to verify documents I was told that the documents are out of date and that they no longer authorize self-repairs. I couldn't believe my ears. I asked the rep, "you mean to tell me that you sent me documents that are out of date and when I call you out on it you get an attitude with me?" Really!!! She proceeded to tell me that they will no longer allow self-repairs. Needless to say, she refused to pass me on to supervisor. In the process now of making filing an official complaint against this company.

I can't believe when I called asking for a simple paperless billing option and they said they don't offer that? Come on, this is 2015, get with the times... I will refinance or payoff this loan asap just to not deal with them.

I am in process of TRYING to get a remodification. I am single mom struggling and just needed temporary lower interest rate! On May 1st I called Cenlar concerned because it was the first of month and I haven't heard anything regarding my request for loan workout. I explained the situation to a representative by the name of ** that it is 1st of month. This is been going on for 2 months and I cannot afford my whole payment. I haven't heard from anyone so now what do I do???

The middle of May I started receiving calls from an 800 number out of NJ and when I Googled the number it was about mortgage collections - that was when I learned that my previous mortgage company sold my loan on 05/04/15 to CENLAR and hadn't taken the May payment (somehow this is my fault even though they had been auto-draft for over 2 years). I called CENLAR and the representative told me not to worry that I didn't need to worry about making a payment for 60 days and to keep an eye out for a "welcome package", that came on 05/15/15 - that was my first mistake.

Has taken my loan over in Nov 2014. They call randomly to take mortgage payments out. They call me. I have so much money in my escrow account. Have no idea why. Did not know they were not a bank. I am catching onto them. They are taking money.

I did call to Cenlar customer service so many times, left my message. They didn't call me one time. They hang up on me. Since my loan transfer I am trying to contact. Left the message so many times, each time they promise me to call back. Took my number, they didn't call. I am not happy at all.

My loan for our condo was bought out by Cenlar 8 months ago (Weichert)... The service is HORRIBLE... Takes a hour to get a person.... I bought homeowners insurance through my carrier yet Cenlar insists I do not have insurance even after faxing copies of this insurance and mailing certified to them. They took it upon themselves to take insurance money out of my escrow to pay insurance I already have... Please help!! This company is horrible!!

Our loan was purchased by CENLAR shortly after we completed a refinance on our home. We did not receive any notification of CENLAR's as the new mortgage holder until we received a notice of being in default. Our first scheduled mortgage payment was sent to the company and loan number we had signed with. After receiving the default notice, we reviewed our banking information to see who cashed the check. Lo and behold the name on the back of the check was CENLAR. Although they cashed the check, they didn't apply it to the proper loan for our property. This happened twice. The second mortgage payment was returned, but not for an entire month. We received a notice that we were delinquent for two payments. We contacted them on several occasions to rectify the situation.

Cenlar is the most inept, unprofessional, and impossible-to-work-with company I have ever tried to work with. My mortgage was purchased by them in March 2015, and it took them nearly 45 days (they claim) just to get the mortgage information installed on their computers. I made a payment with a representative in early April and another one before May 1st. Both times the representatives gave me the mortgage loan number listed on their computers, took my information and authorization to process the payments. What do the morons do? They send me a bill for 2 MONTHS PAST DUE. When I phoned them and informed them of the payments, they claimed to have no record and also claimed I could not have made payments in April because their computer information was only posted on May 2nd. (Their representatives were sure happy to take those payments AND VERIFY MY LOAN NUMBER when I called both times in April.)

These people need to be put out of business. The service is awful. They have you running around to gather up documents to apply for a modification only to deny you. Half the staff don't know what they're doing or talking about when you try to get the status on your loan... I mean these are some of the most cold hearted mortgage lenders ever.

Was sent checks in the mail for escrow overages and after cashing them the mortgage payments went up even after calling them (the second time this happened). On the third time (third year dealing with Cenlar) I sent the check back and told them to apply it to next year's escrow. My payments stayed the same. The real problem starts when I fall behind in payments and send money orders short of all past due amounts they return the checks with loan number written on top. I then add a couple more checks which now meet all past due amounts to same address (their self addressed statement and envelope). They are saying they haven't received it. My advice is to send any excess escrow back and send late payments certified mail because their customer service tactics are rude, unpleasant, and unsatisfactory.

After several phone calls that we were changing homeowner insurance policies not to pay AAA that the new insurance company is Safeco. AAA was still paid. I was told they put a note in the system - the first note that is in the system is on May 4th, I called in several times before this note was put in. Customer service is a joke, wait times are long and you never talk to anyone in the United States. This is not the first time this has happened. We refinanced once to get away from Cenlar, that didn't work - it was sold back to Cenlar. We are in the process to refinance again with a company that won't sell it back to Cenlar. I will spend the money to get away from Cenlar. It's funny you want a phone number and a email to contact us but you never do. It's a joke of unneeded information that you never use.

Do I need to say more? Cenlar has inherited the management of our loan in March 2015 and the past 2 months have been nothing else than hell!! They have failed to pay our property tax and my town is now advertising our account as defaulting, and taking this to small claim court (with all the fees associated to this!) at the end of June!!

These people don't post your payments on time. They are trying to have an 1800.00 excess in my escrow account. They keep you on hold forever. When you do get them on the phone the customer service is terrible. Their customer service agents are nasty. My loan was sold to them by Ocwen. I would have to refinance to get my loan out of their clutches..... If you are having similar experiences with them file complaints against them.

We just received a letter dated May 4, 2015 stating that National Bank of Kansas City (Refi through Costco Finance) has sold my refi loan to Central Loan Administration & Reporting. We just signed the papers on April 29, 2015 and the payoff was made to my former lender on May 4, 2015. I was wondering why my loan officer ** wanted me to fill out a review so quickly; now knowing this I'm glad I did not type a review on the refi process with National Bank of Kansas City. We have excellent credit to just sit back and experience this greed and bad business deal that National Bank of Kansas City made with Central Loan Administration & Reporting.

After my loan was sold to another mortgage provider, the payment that was sent to Cenlar was "lost" and not forwarded to the new mortgage provider. I had to come up with a house payment for an extra month and am still waiting to find out what happened to my original payment. The fact that they do not speak English and "accidentally" hang up on me at least one time each time I call is also incredibly frustrating.

We paid off our 30 year mortgage (which wasn't originally with CENLAR) in 7 years, back in October. As of today April 29, 2015, we are still waiting to receive our mortgage satisfaction papers in the mail. Note: We are selling the property and can't close until we have these and until CENLAR files with the County. I have been on hold for HOURS literally! The 800 number is for a call center in the South Pacific somewhere, and the "reps" there can't access information for an "inactive" loan. They transfer you. Then the new rep in South Jersey can't handle it, they have to get manager. Try getting one of those! I was on hold for 1 hour 45 minutes only to be told that they didn't know how long it would be before a manager could get on the phone, much less get back to me.

I can't imagine a less competent, less helpful company. I am typing this email while on hold... again... A "customer service agent" answered a while back, but she couldn't help me so they put me on hold. I refinanced a while back and my loan was sold to Cenlar. They messed up my escrow account, didn't get it set up right, misapplied the thousands of dollars I sent them, and after many phone calls with ridiculous waits on hold, I finally thought I had it solved, but now I have received a "delinquent tax" bill with hefty penalties. And again, I can't even reach Cenlar on the phone to discuss it. Is there any way I can get rid of Cenlar? Can I sue them for failing to handle my escrow account in a way that paid my taxes on time and in full?

My ex-wife and her husband lived in a property that she insisted I pay for. I refused and sought a court order to remove them from the property, which was granted. The two lived there for free for two months. Once I gained control of the property, I resumed paying the mortgage. I contacted CENLAR prior to this all happening to advise them of the situation and of the pending court action. Meanwhile, I requested and received the loan modification packet. She and I filled out our portions, which also included a quitclaim by her, not only for this property, but a second property also covered by CENLAR. I mailed all the documents asked of me and then the nightmare began.

Received a letter from "Cenlar" that a payment was immediately due. I had no idea who "Cenlar" was as I don't have an account with them. I discovered that Sun West had sold my mortgage to this company and my monthly mortgage payment had not been withdrawn for April. I tried contacting Cenlar to make payment, but no answer. The odd thing is, I called from a public phone and the Cenlar recording stated that it had recognized/validated my phone number on file and to enter my account number... I have not been informed of an account number. All I'm trying to do is set-up auto-payments so I will not have any problems, but I cannot seem to contact this new company servicing my mortgage loan.

Unfortunately for me, my mortgage loan was sold, and is now being processed by CENLAR. I had received detailed instructions from my previous lender on how to transition my monthly payments to CENLAR, which I followed to the letter, starting with March 2015. I also made my April payment when it was due. A few days after making my 2nd payment, I received a letter from them stating that I had missed BOTH payments!!!

My mortgage was bought out by Cenlar on March 6th. The same day I paid my first payment to WJ Bradley. WJ Bradley confirmed my payment and that they transferred that payment. Cenlar harasses me every day of non payment in March. I emailed Cenlar my payment confirmation to WJB after 4 tries to get this resolved over the phone. Now I can't make my April payment online or by phone as they are saying I'm delinquent. Cenlar transferred me to their financial department who said they would call back due to heavy call volume. I need a new mortgage company, I cannot trust this company with my money or accounts.

I called my former mortgage company and they instructed me to speak to the highest manager I could at this company, and ensure they cut us the check in a reasonable fashion. I immediately called this CENLAR corporation (sounds like they were funded by a government organization) and waited and waited and waited. After waiting over 45 minutes for this fly by night operation to connect me with someone of what they consider significance, an individual who could not speak clear English appeared on the other line. His slang and "sucking of his teeth" was disrespectful. Who are they hiring? What are the backgrounds done on these employees?

CENLAR took money I had paid into my escrow account every month for taxes. Paid them to the incorrect county, and never fixed the problem. I did not find out until I got an overdue tax notice. I was on hold forever, and once I finally got someone, the person on the phone did not fix the problem. I have faxed them and written them and reasoned with them. Now I have overdue taxes and penalties. I have complained to everyone I can think of, and short of suing them (I am an attorney). I can't find another recourse. Anyone want to join in a class action against these jerks for screwing up their escrow accounts?

Our home loan got sold to Cenlar and we were notified on February 24. I called Cenlar on February 25th to find out the new information so we could make our March payment on the first and the representative said they didn't even have our loan information yet and wouldn't until the 10th. He said, "Don't worry about it, we will send you all the documentation and you will have 60 days to make the payment for March and April." Sounds fine to me, so we wait and get the documentation on the 24th.

I've been making online all along. But the posted amount was not what I owed, so they said I was behind. I was never made aware until too late. I've asked many times for statements that I never received. Their website is difficult to manage, difficult to made payments on. I asked to speak with a manager to try to resolve, was left on hold for a half hour, no one picked up to inform me. No one called me back in an effort to make any improvements.

Cenlar is the company who ignored all my efforts to modify my mortgage and foreclosed on me in 2009. Now, one year into my new mortgage with a wonderful company, they SOLD my loan to CENLAR!! I recieved a notice to send them my new payment, but wisely I tried to contact them first, and they have NO RECORD of my loan! Incompetence!!! I refuse to go through this again!! I will refinance. The tragedy is ANY of our loans can be sold to CENLAR without our consent! This sounds like a conspiracy!

Dealing with CENLAR directly is futile. They have been trying to steal my home and I have 100k Equity in it. They have tried to claim non-payment when I have cashed checks to prove they lied, they have forced placed insurance on me. They have lied in court, lied to US office of comptroller of currency, which is the federal agency that regulates them. They have lied to the state insurance commissioner office. The list goes on. CENLAR appears to be "above the law" due to powerful people in control of company and its entanglement with the government because of Fannie Mac.

My past (3/3/15) mortgage administrator SWM (Sun West Mortgage) advised that CENLAR are authorized to collect our monthly mortgage payment. I am angry that RESPA administrators or others with the authority have not made public, efforts to resolve the disputes filed against CENLAR. The numbers of complaints filed against CENLAR is alarming for us that just were ushered in to the flail. An Email has been sent to CENLAR (Email or phone call are the options offered) requesting clarification. I'm tempted to forward my payment, which is now 4 days late, but without an account no. I'm concerned that the payment will end up in the black hole of confusion.

I have been trying to get hold of a financial representative for more information on my mortgage insurance. A live real PERSON FINALLY ANSWERS THE PHONE, BUT, SHE can only do limited tasks (taking payments). SHE TAKES DOWN MY PHONE NUMBER, but never got a single phone call. I finally sent the payment of 20,000 on Mar first week and funst. I still haven't gotten any phone calls or update to my account.

I have called cenlar 9 times week after week. I wait on hold on average 45 mins. People continually lie about my account when I am just trying to make my payment. I still have not made my March payment, I am extremely stressed over this. People answer the call and continue to place me on hold. Extremely unsatisfactory. Sun west, never did I have a problem or wait on hold. I don't know my account number either.

My loan was sold to Cenlar. After 25 years of paying I am now being required to have cushion equal to double escrow payment. Supervisor told me it was required by fed and state regs - not true, he lied. It is up to Cenlar! Feds and states passed rule to limit how much they could require. Horrible company!

CENLAR is my new servicer and I have tried 9 times to make my first payment and each time it is returned. I tried calling and, get this... A REAL-LIFE PERSON ANSWERS THE PHONE, TAKES DOWN YOUR PHONE NUMBER, AND HANGS UP. I have paid by sending checks, using the online system, and the phone system - with multiple bank accounts. Every time, I get a receipt and then a letter with no explanation saying it was returned. The bank has no idea why it's not working.

My loan was picked up by Cenlar after my original loan company was raided by the government back in August of 2009 (I remember this date because it happened to be my wedding reception date and when I called to make a payment THAT day - it was over). The company was in Florida......... It has been so-so since then, except the fact that whenever I call I end up speaking with individuals who do not have any English skills. I have a a Master's Degree in Linguistics and I have taught ESL for more than 20 years. I understand almost EVERYONE - accents as well. Last time I called Cenlar (regarding a new payment amount - higher taxes - reasonable) I had to call THREE times before I found someone who overseas could actually understand. He was very nice. I just want to pay my mortgage - online is even worse.

My original mortgage company sold my loan to Cenlar a year ago. We recently took a substantial pay decrease and have been struggling. Our finances decreased due to my wife was laid off. I filed bankruptcy and applied for a mortgage modification. We completed and submitted all necessary documents as outlined in their correspondence. Meanwhile, we were placed on a three month probation (struggled but we managed some how). We received our paperwork with everything looking good and the mortgage payments low...here was the catch, the interest dropped, but the payment is higher than before... there is no way that was a bailout! All outstanding arrears on an additional payment but the mortgage payment will still be high.

Just terrible people to deal with. They messed up my escrow, so my insurance company dropped me, and then they assigned me an insurance company that cost me at least double of what I was paying. When I tried to talk to someone in their office, it was very hard to understand them and they were nasty and rude.

Well, my December 2014 payment return by Cenlar (of course they said they didn't receive it) and I have a tracer number Cenlar had the money. Now their excuse is to call the bank again and they should have received a notification why the return... more work for me. Wouldn't I have receive a letter too????? Poor customer service and I don't think any of them have a clue what's going on. Can I request another Loan Company???

If you are thinking to get a mortgage with this company, I kid you not...TURN AROUND!! Consider this a HUGE warning. Seriously! My husband and I are first time home buyers, so KB went with this company when we first built, and almost 2 years later we regret every second of it. I took a cut in pay and have tried to work with the Loan Workout Department, not once, not twice, but THREE times to lower our mortgage.

My original mortgage company sold my loan to Cenlar several years ago. I recently took a substantial pay decrease and have been struggling. After 12 1/2 years of paying on time I made my first late payment this month. Seeing that our finances decreased my wife and I applied for a mortgage modification. We completed and submitted all necessary documents as outlined in their correspondence. They then requested additional documents that contained sensitive info which I redacted. We then received a third request for additional unredacted documents. Here comes the good part - the incompetent moron customer service rep guarantees me that my documents will never be lost/stolen/copied and that they will be uploaded into a secure server and Cenlar will NEVER be hacked.

I have always had trouble communicating with Cenlar Central regarding my mortgage loan. But the last year in particular has been exasperating! I filed bankruptcy in 2010, Chapter 7 which specifically states my home is not included as I chose to keep my home and pay my monthly mortgage. February 2014 Cenlar stopped sending me a statement. I have called 8 times regarding this. They state that they stopped sending my statement because I filed bankruptcy. I told them that I filed bankruptcy in 2010 Ch.7 so why had I been receiving statement up until 2014. Each time they say, we cannot answer that. It is policy. I ask, do you show a bankruptcy filed under my name in 2014, because if so it is incorrect. Each time they say, we cannot answer that. This is policy.

On Saturday Jan 2015 a brown envelope was on my door, which to my surprise was from Cenlar January yet, but will in a week. I recently had a triple by-pass in Sept and just went back to work in Nov 2014, which I called them and told them payments would be made. But when Cenlar is coming on my property, I believe that's called "HARASSMENT". So I will contact my lawyer to see if they (CENLAR) are allowed to come to my home and leave notes/memos. Has anyone had this issue??? Can anything be done???

This company needs to be investigated and closed! Unfortunately they do not know the meaning of customer satisfactory, communication with clients, or how valuable time is to clients. I had to call many times to find out why I was paying taxes, refund of my escrow, to include principal payments made, and I was put on hold not once, but several times for at least 15 min or more. Maybe they expected that I would go away - ummm not! Regarding my principal and extra monthly payments, I was told they posted those payments to my escrow account, but when I asked why did they do that instead of contacting me with either a letter or a phone call to verify where those funds were to be placed, and the rep could not answer.

I have always paid my taxes on a monthly plan or at the end of the year with the city but for the past 2 years, Cenlar has harassed me into paying them before the year is up.

This company is horrible, their customer service reps are total idiots; they should really find people who have a shred of common sense. If you have the option, do yourself a favor and use a different bank. Look at all the reviews from people. Save yourself the headache.

When my wife and I closed on our new home we were very happy. I then received this letter from this company CENLAR. When I opened the letter it looked like a collection letter. When I first called them they sounded like a collection company. Ever since whenever they answer the phone they sound like a collection company. RUN AWAY FROM THIS COMPANY AND DO NOT LET THEM SERVICE YOUR LOAN. FIND SOMEONE ELSE IMMEDIATELY. Look at the other reviews. These people do not know what customer service is.

For the past six months my husband and I have been struggling. We have been paying our mortgage late but paid. Wednesday before Thanksgiving we had people at our door to put a lock-box on our home because our mortgage was 30-45 days past due. Mind you I called them to let them know that I would be about week late and I was told "All is OK. Just get it in by November 7"... which I did. The people came to our door saying they were there "per Cenlar" to lock up the house. I immediately called Cenlar and I was told because the house is vacant and they are preventing squatters. I would not have been home because they came at 1:00 in the afternoon but thankfully there was inclement weather. The guy took a picture of my husband and I and left saying that he would report back to the company.

My loan was not originally through this company. After my loan was transferred to them has been a complete nightmare. Escrow account errors, lost payments, tax errors, You name it they mess it up. I lost my job and tried to defer a payment in August. I have stayed consistently one month behind. They bury you in paperwork request, they will not work with you then tell me I am in default because they denied my request. I make three hundred dollars a month more than my monthly financial obligations so I can't get a deferment. So I try to do a repayment plan but can't do a repayment plan because 300$ is not enough money to add money to my payment amount. These people are unbelievable. I hope every single person that works there gets indicted some day for what they do to people. Just trying to pay my mortgage should not be this difficult.

In 2013 my previous loan services, OCWEN Services, sold my loan to CENLAR. CENLAR is telling me that I have two loans with them, instead of one. I been faxed to them copy of proof that I only have one loan. I been calling almost every day and all the time the person doesn't know anything about it. I been requesting to speak with a supervisor and they been denied. The customer service are very unprofessional, rude and they don't want to give any me explanation. I asked for the name of the president of the company and they didn't know who was or at least that was what they said. This company is very bad. I will never, never recommend for Mortgage Loan.

My loan was transferred from Ocwen Loan Servicing to Cenlar FSB aka Central Loan Administration & Reporting effective 10/01/14... what a nightmare since. Ocwen has had its share of problems with $2 billion in principal loan reduction and $125 million in fines ordered under its 2/14/14 Consent Judgment in District Court. It's only a matter of time before Cenlar follows in its footsteps. I see now after reading the Consent Judgment, why I was able to get reasonable good customer service from Ocwen... they stipulated to it under the Consent Order. Cenlar hasn't paid the piper for its incompetence and horrible loan servicing yet, so they still provide sub-par at best customer service.

I read the reviews online after I had a bizarre experience with the company, and I feel like it's deja vu. I was sent a letter from my first loan servicer saying that Cenlar is now servicing the loan and I should receive coupons in the mail. I didn't wait for the coupons and sent a check via my online banking with the account number that I was given. When the check wasn't cashed 1 week later, I inquired by calling Cenlar and they said that they have no record of my account number or name in their system. I called the prior loan servicer Skyline who said that they will look into it and call me back (who never called me back to update me on what was going on). I get a letter from a 3rd party saying that they bought the loan but the new servicer Cenlar is the contact person. The check had not been cashed at this time. I had not received any letter or any correspondence from Cenlar that they are indeed the servicer of my loan.

My loan date is the 1st of the month, there is a 15-day grace period. For the last 2 years my payment was made within the grace period time frame. During this time frame if it was closer to the 15th, I might have received a phone call asking if the payment was made. This month, EVERY OTHER DAY I received a phone call. I put in writing that I wanted no telephonic communications regarding my bill. I reached out to CEO, Greg Tornquist who had a Service Excellence Administrator contact me and informed me they were in their legal rights to call technically every day after the 1st of the month and my choices are to make the payments on the first OR have them automatically debit my account every month. To me it is horrid customer service and harassment. I've had several loans through several mortgage companies and never had this issue before.

Central Loan Administration is charging a 100% disabled Veteran property tax on our loan, NOT PAYING IT TO THE COUNTY TAX ASSESSORS OFFICE as is it not due. Instead, Central Loan Administration is POCKETING the money every month and ignoring our documents, entitlements, etc.. They won't even respond! Time to Sue! FRAUD!

When we refinanced our home, we did not have a choice which lender we wanted to use because we went through a 3rd party refinance company. Unfortunately, days after closing, some things did not seem right; therefore, I decided to check out the reviews for this company. Obviously, the reviews were terrible. After 9 years of paying payments on time and having an excellent payment record with this company, we found ourselves in a bad situation. With the economic collapse, loss of a business, and a cancer diagnosis and recurring hospital expenses, we applied for a loan modification to help us get through a rough time. CENLAR put me through absolute ** requesting paperwork multiple times - paperwork that I had already sent in with documentation that it had been faxed as well as mailed. Nevertheless, they denied my request because they said our "hardships" did not qualify. Needless to say, I would never do business with this company again!

Our loan got sold to Cenlar early on and we have had problem after problem. They really have no redeeming qualities. The company itself has only one goal, which is to trick as much money from you as possible. There is no transparency. There are multiple "locations", including a separate "principal only" location different from where regular payments go, etc. Of course they don't explain any of this upfront. You really need to watch your statements b/c your payments may be placed under "undisclosed funds" category where they will just earn interest on it. Even after you pay off your loan, they hold on to the escrow check for months to earn extra interest off your money. Watch out! We have worked with 4-5 other mortgage companies in the past and all were a breeze compared with this one. They are terrible!

The originator of my loan, Cornerstone, sold it to CENLAR.. My first payment was 6/1/2014. I made the mistake of sending the July payment in two payments. The first was sent on 6/19 and the second on 6/28. Both checks were ran through their bank and the subsequent payments have all been made early. The following month I received one of the July payments back (?) and tried to return it with letters explaining the mix-up. For each of the following 3 months they have applied half of that month's payment to the delinquent July amount. I have spoken with them and sent letters.

My mortgage was recently sold to J.P. Morgan who transferred the servicing to CENLAR. What a poor decision that was. My Sept. payment was due by 9-16, however, Cenlar sent me absolutely no information until a letter of 9-15 which I received on 9-19. It wasn't until 9-29 that I received a statement and payment information, which was dated 9-15, one day before payment was due. The Sept. and Oct. payments have now been made and yesterday I received Certified Mail on my rights of Foreclosure Options. This CENLAR company is completely inept.

I also was informed that they would be handling my loan as of 10/1/14. I was finally entered into their system on 10/7 but I am still unable to make a payment since it does not recognize my acct# or SS# with my zip code. How is that possible when they mailed me a letter. This company sucks and I hope my loan get bought out again because they suck and so does their customer service!!!

Our loan was sold to Cenlar and in Feb 2014, we had a water leak and sustained considerable damage. From Feb til July, we did all the right things - getting the damage appraised by our homeowners insurance company, getting the work done, etc. The insurance company sent us two large checks to cover the cost of repairs. The checks were made out to my husband and I, as well as to Cenlar - which apparently is due to some type of regulation to prevent insurance fraud. The work is now completed and we were required to send in a fair amount of paperwork to Cenlar showing the charges, what has been paid, as well as what was still owed to the contractor and ourselves since we paid for a large portion from our personal finances.

My loan was transferred to CENLAR and from the start there has been nothing but problems. They send me a statement and I send it back with the payment and then they apply the payment to principal! What is going on with these people? Now my payment is due and they have my money. Why won't they fix this and who is overseeing this business? Can someone please help me?

I made my mortgage payment from my phone on September 8th from my cell phone but Cenlar said my payment didn't go through. So since I didn't get the normal email confirmation, I believed it didn't go through. I make the payment on the 9th from my computer at work and it went through. Today I check my bank account and I am overdrawn!! Cenlar charged me on the 8th and the 9th so now I am overdrawn and all because of Cenlar and their incorrect message telling me my payment DID not go through from my cell phone! Now I have to pay $30 for a stop payment because it takes Cenlar 5-7 days to reverse this!! I cannot wait that long and Cenlar should be responsible for the $30 for me to stop payment on something that should not have gone through because the message on my phone on September 8th stated payment cannot be made!!

My wife and I were in process with a bank for our refinance called Gateway Funding in Bethlehem, PA. The loan officer was Matthew ** (awesome to work with). His bank ordered the subordination for our 2nd lien through, what was at the time, Ocwen Loan Servicing. On the day before the subordination request was complete with Ocwen, our lien got transferred to CENLAR servicing. The bank, Gateway Funding, followed up after 3 business days of sending all of the necessary documentation to see where the subordination process was at.

My mortgage was switched from Aurora to CENLAR. In May 2013, a city-owned tree fell on my home. I immediately contacted my insurance company who swiftly issued a check endorsed to me and CENLAR. Due to a few months of late payments, CENLAR indicated that they needed to allocate the funds for the repairs. Although, at the time the check was issued, my mortgage payments were up to date. So I signed the check and sent it to CENLAR as instructed. I was not concerned on handling the funds, I just wanted the repairs made.

Six years ago my husband and I were forced to move out of state due to job situations. We secured a land contract for the home we left behind. A year and a half ago our mortgage was sold to Cenlar. A couple of months later our land contract fell through. As soon as we found out, we notified Cenlar and secured a realtor to do a quick short sale. The realtor showed the house more than fifty times and received 3 offers that were HIGHER than the amount that the Cenlar appraiser had valued the property. Cenlar refused the offers because they were lower than the realtor's list price. We completed 3 packets of paperwork to do a short-sale or deed-in-lieu-of-foreclosure.

I am in foreclose because I became disabled 22 months ago and have not been approved for Social Security yet. I have a Freddie Mac loan. I called Cenlar before I became late on my payments to see what could be worked out so that I would be able to afford my payments. I wanted to pay the interest and escrow amounts, but the customer service person told me that she could not transfer me to the "loan workout department" because I wasn't yet late on my payments. She told me to call back after I got behind. They did not tell me about the HAMP program which they are required to do, just by their acceptance of a Freddie Mac loan. Now that I'm late I am not eligible for that program. I wanted to pay interest and escrow until I could get back on my feet, however everyone that I have been able to talk to are not able to negotiate anything. They demand full payment only and will reject any lesser payments.

Refinanced my loan in early 2012 and shortly after loan was sold to Cenlar but they allowed me to continue to make my payment to the previous mortgage company. In spring of 2014, I went on vacation to Hawaii and my payment(s) got "lost" and Cenlar threw me under the bus and trashed my credit, never telling me the correct address where to send my payment. Tried to dispute it but they don't want to help. Will be going to the BBB. Horrible company.

Just got a letter from them 3 days ago telling me they will be my new servicer as of July 1, 2014. I am writing them to DISPUTE THE DEBT. Do your research.. If you did not sign a contract with them, question their authority.

I originally had a house loan with another bank. Later on that year, my loan was sold to Cenlar. I tried to make a payment around the 12 of the month. Remember this is my first payment. I called the phone number and told them that I wanted to make a payment, but I had not received a statement. They told me that I could not make a payment because everything was getting transferred over. The representative told me not to worry that next month I would start fresh - "You can make your first payment next month."

I used to work for Cenlar... It is very difficult to deal with them in your situation. Their fax machine goes 24/7 and the reps can't keep up. I have seen instances where customers called in and have been told faxes were not received, yet there are 10 images in the system of the fax they sent. Their internal departments DO NOT interact. They outsource customer service to India, and none of these people have a clue what they are doing. Your best bet is to send a Qualified Written Request to their Central Customer Service Department, certified mail. They are obligated to answer.

I did not receive a monthly statement in May or June 2014. My payments are currents and I have been a so-called customer since 2007 when Countrywide went bankrupt. First I tried to set up an online account but was unable to gain access. I called customer service and was told that Cenlar had received notification of my bankruptcy discharge and would no longer be sending statements. The bankruptcy was 3 years ago. When I asked why they would take this action against a current customer, the answer was, "That is what we have to do but you can write and ask for a statement." I found the Periodic Statement rule passed by Congress in Jan. 2014 and they are required to send the statement. Let's see if that works.

I have never experienced so many issues with any lender before. For some strange reason, payments sometimes are accepted and sometimes are not. Then I end up having to pay a fine or reissue checks for payments. However, the most disturbing issue is that they have been holding a substantial escrow amount (at least 3 times) and they seem unable to refund/return the money. After almost two months now, I am frustrated that they say they mailed a check but has to be cancelled because it never comes to me. They have the correct address because they use that to send me statements and letters, and authorize me to discuss issues with them. I am beginning to feel that these people are playing games with consumers to hold extra money they help themselves to hold. Anyone knows who regulates these people and how I can file a formal complain? I understand holding inflated escrows is illegal.

I pay my Bills as a partial payment in order to be able to keep my bank account well balanced. I have NEVER paid late and now all of a sudden, my payments have been returned to my bank WITHOUT notice because they don't like the fact that I make partial payments. I have NEVER heard of any bank returning money! When I called, they did not apologize. I threatened to change banks and she said that that is my option. Considering they don't want me as a customer or my money, I will certainly refinance and move by the end of the year. When I asked them why they can't take my partial payment, all they would say is that it's their policy. Well then they keep their policy but I won't be staying. Why would you return a payment?

The property was left to me upon my mothers' passing. In keeping up with bills, I made sure that the mortgage had an account with money to cover monthly electronic transfers. Cenlar NEVER missed getting their money. My name was on the bank account, along with my deceased Mother. I sent them a basket of info, with the help of a bank representative. Fax verified retrieval of info. Later I was told by a Cenlar rep. they had only received my mother's "death certificate." Now I am feeling the runaround. Since then I have made sure Cenlar could still retrieve payments each month. After a full year of clockwork payments, with my mother's DeathCert. in hand, they won't agree that I made payments for last year. All I want is the form 1098 for my tax return for 2013. I wish the IRS could hear this story. By the way I am the sole trustee and until now, was going to keep the house. I am now having very different thoughts about where this could go.

Our loan was purchased by Cenlar two weeks ago. The loan itself is only 3 months old and we were completely current when Cenlar took over. However, Cenlar didn't credit us for the most recent past payment and required that we fax them the cancelled check. We don't have a fax machine, but they wouldn't allow us to scan and email or send U.S. Mail. A pain, in other words. Submitted everything they asked for a week ago but heard nothing. I call yesterday and after l-o-n-g hold am told that yes, they have received my faxed copy of cancelled check but they can't credit me until previous servicer pays them. Think about that.

I'm trying to refinance my home. Shouldn't be a problem... The mortgage company pulls a credit report and sees TWO loans that don't even exist. One of them is from Central Loan Admin.... and it even says I have made late payments!!!! When I call them on it, I am the one who has to send them evidence of the issue in order to have them remove it... It might just be easier to sue them for the hardship caused by their major screw-up.

Every month since CENLAR began handling our mortgage (from a re-finance with the original lender) nothing has functioned properly. It began when we were not informed of the change in loan management. All the while, we thought our electronic payments were being made as they had been, but because no requests were made, no payments were processed. After four months, we received a default letter. That was resolved, but in each and every ensuing month when I attempt to make an electronic payment, I cannot access my account - their website refers to too many attempts and the locked account - on the first try.

Our account was transferred to Cenlar after Countrywide Bank was bought out. Since that time (2009) we have NEVER, EVER missed a payment... At most we have paid 2-3 DAYS after the due date. These people begin harassment the day after the payment due date, despite the "grace period" after which we would owe a late charge. They have applied principal payments to interest and have then told us that "Some people prepay their interest". WHO IN THEIR RIGHT MIND put an "overpayment" to interest rather than paying down principal??

I am in the process of preparing answers to the court summons received from Cenlar to foreclose on my property. Cenlar purchased my property from Liberty Savings Bank but disregard the ongoing modification process between me and Liberty Savings Bank. Since September 2013 they took over the loan, it's been rough. I believe God will fight for me as he did for David against Goliath.

We too are victims of bad business practices of Cenlar. Our loan was bought by Cenlar a couple of years ago. In the middle of the buyout, we had made payment agreements with our previous administrator. When bought by Cenlar, everything changed. They told us after about six months that we had been making an incorrect payment amount and that now our acct was now delinquent. Due to an illness, we decided to try and get a loan modification to help us get back on track.

I had refinanced my home and my mortgage company was GMFS. Evidently the mortgage company either was taken over by Cenlar or they just sold some of their accounts to this company. I was accustomed to making automatic payments through my bank to the address that processed payments in Philadelphia, PA. I paid through my bank because their web service processed by payment entry twice in one month... This scared me and my bank account to death. The company decided to change their office for processing payments to Newark, NJ instead of Philadelphia, PA but did not send out any notifications. I paid them, they processed the check in Philadelphia, then sent me a check in the mail stating my check was not processed because I no longer had an account with them.

I mailed a check to Cenlar, to their NJ payment center. This is my second payment to them after being transferred from another mortgage company. I mailed the check on Feb. 28 for March payment. I waited a week for the check to clear, but after two weeks, it still had not cleared my bank. On March 16, I called for the 3rd time inquiring about them receiving my check, and again no record of receiving it. So I immediately set up pay by phone to avoid being delinquent. And then call my bank to stop payment on the check, only to discover the check had been paid. Now why didn't Cenlar tell me the payment was made. They allowed me to set up pay by phone and double bill my account. Now I have to wait a week or more for a refund of that extra payment. I'm reluctant to continue business with Cenlar! Dang, this is just my second payment!! What else is coming??

This company is the worst about posting payments. According to my credit report I have made over 12 payments on time and qualify for the HARP program. I received a call from Nationstar Mortgage about the Harp program and a letter saying I qualify. We get to the point we are supposed to close and for three to four days I can't get a hold of my mortgage professional Brandon ** on the phone and he tells me that the loan activity report from Cenlar Mortage says I made three late payments. I told him the payments were on time that report shows when they got the money from the draft. The credit report is correct. The so-called mortgage professional said because of this I did not qualify for HARP and would have to do a different loan. I have bought and purchased over 6 properties and have never heard of a company not using the credit report. I think Cenlar and Nationstar are working together.

I purchased a home in July 2013. Since then we have sent our payments on time; however, they are not cashing them until end of the month then charging late fees. My credit shows no late payments. They call for my payment each month when they have it already and also sent me two w-2 with different amounts I emailed them and still no answer on correction. Very unprofessional poor choice of servicing a loan for CMG. They are very hard to deal with as well as unethical in recording funds to them and fees for late charges, a huge scam!!!

I will try to remember All the incidents! First after I had been paying on my home after several years (after being moved from TB&W), I received a call from a man named Ryan (??) asking, "Do you intend to continue living in your house?" I replied..."WHAT!" He said it again... The several Month Long Nightmare began! I was informed that since I hadn't made a payment since (I think he said September 2008) I needed to get caught up.... Mind goes dead!

My horror story started one month after my original mortgage transferred my loan over to Cenlar (Central Loan Administration & Reporting). I conveniently signed up for their automatic drafting services. They received payments directly from my account on the date that I authorized but, to my horror I received harassing calls at my job claiming I haven't been making any payments? The customer service and collections dept. don't communicate or update their system so depending on who you're transferred to you'll get the run around to call back in 5 business days? I am in tears and frustrated sending proof from my bank statements via fax, certified mail and on the phone with them being transferred from person to person with no resolution. I want justice and I am short of getting an attorney and contacting the news to help expose and resolve my issue.

Cenlar is sending me bills of $950.46 saying I owe them. The bills in the beginning was coming like "fee", now is a overdue payment. I have no idea what that is. I called three times to Cenlar in India (I guess), and they couldn't find where these bills was about and they told me it was probably a mistake. Well, just to confirm I went to the website, and looked every single page to find the "fee" and nothing. The problem is the bills kept on coming and I kept on calling, until somebody told me it was something pending when they first bought the mortgage from the other company (that doesn't exist anymore), and I have to pay.

Our mortgage was sold to Cenlar about 6 months ago, and I've had to email them with website problems 3 months out of the 6 because my username and password won't work. I know I'm using the correct login information because I have it written down in a secure place. Their website is randomly deleting my profile or changing my password or something, and it is a huge hassle just to pay my mortgage online. I have asked them to sell my mortgage so I can deal with a brick-and-mortar bank because their website is so bad.

My husband and I had specific conditions with Aurora Lending which worked for everyone. We fell 3 months behind due to a temporary unforeseen financial issue. We agreed to pay Aurora an extra $1k until we were current. No problems! A month later we were informed that Cenlar is now our new mortgage company. They at first insisted we made our mortgage current. They demanded that I paid them $14k+ by the 30th of the month. If not they will begin foreclosing procedures. And that they did. Every other day for the next week we had 4 certified letters that needed to be signed for. We did send then $4200.00 which is almost 2x our mortgage.

I have been trying to establish an escrow/impound account with Cenlar Central Loan Administration on an existing loan so I pay the insurance and tax with my monthly payments. I provided all necessary papers they requested in August 2013 but it took about 5 months and still in process. It is very hard to get a hold of someone on the phone who knows what are you talking about. They sent me a letter requesting for initial deposit in October of 2013. I received the letter at the end of December. The letter asked for about $2200.00 amount of deposit to be sent using "enclosed self-stamped envelope". However, there was no envelope enclosed and I had to call asking for the address. After waiting 20 minutes on the phone they gave me an address.

I have been paying on this loan for 20 years, and to Cenlar for at least 10 years. I want a payoff on my account and a record of all my payments. They refuse to provide such unless I give them my SS#, either via the Internet (only IE works according to them) or in writing. My complaint is that they have all my identifier info and I should not have to supply a SS# just to obtain info on my own loan. Given the recent spike in ID theft, credit fraud and CC record breaches, I sincerely believe that my SS# is unnecessary for this request and their refusal to provide info on my own loan without that info is illegal.

Our real estate company found out by mistake that this company is owned by State Farm. They should stick to car insurance because they know nothing about the mortgage business. Like a lot of people, our home is worth less than half of what we paid for it and we got stuck with a bad loan. Our mortgage company offered us an opportunity to participate in a homes affordable program since our payments were current for the last 12 months. This gave us the opportunity to have a 30-yr fixed rate 2.75% loan. Everything had been approved and ready to be signed off on but because we had a second (home equity line of credit with Cenlar), the second had to approve of the loan. Even though this would not affect the loan we had with Cenlar, they refused saying that we paid late every month.

I was promised that they would waive some unfair Late Charges. After Documenting their mistake, they did zero out charges on my account, only to put other charges on my account a month or so later relabeling what they called said charges. After miscommunication became an event problem they had promised I would no longer have to work w/ anyone from Over Seas. Then having personnel from India make Harassing calls as many as 5 or 6 an hour. They are such liars. I guess I will have to have everything in writing in the future. These charges they are trying to collect are years old and just don't make sense. These charges are still showing on my account, as I refuse to pay them.

Cenlar is the worse company to deal with regarding your Loan payments. The customer service team is extremely rude, hard to understand and when you challenge the statement being made, they drop the subject and hang up. It took them 2 weeks to reach out to us regarding a payment that was rejected with the digit missing on the check so of course they added a late charge and has reported this to the credit bureau which impacted our credit score. I am doing everything possible to get the mortgage out of their hands and place it with a reputable company that treats customers with some respect and courtesy .

CENLAR is a corrupt and unscrupulous company that needs to have as many lawsuits and documented complaints filed against them as possible. Use the names of everyone that works for them you can in the complaints. Also, anyone having an issue with them should file written complaints with both their senators and local congressional representatives and file complaints with city leaders as well. Additionally, file complaints with your state attorney general, and regional office of the federal reserve. File complaints with banking and commerce committees of congress. The more formal complaints and trouble that citizens can make for them and their employees the better. Type out your complaints, send them to every agency you can. Do it in groups as well if possible, follow up with calls, letters and emails to document it with all agencies and representatives to hold them accountable to respond.

My husband and I purchased our home in 2007 using TB&W as our provider. When they were shut down in 2009, our mortgage got transferred to Cenlar, like many others. During the downtime, there was a payment made to TB&W that never got credited to Cenlar. In early 2011, I became extremely ill and it became difficult to make our payments. My husband had also had his income decreased when his contract was purchased from another company. We contacted Cenlar to begin a modification process. We filled out paperwork and more paperwork... and more paperwork. We were then told to not make any payments, this was in January.

Since this company took over my mortgage, it's been a nightmare. I'm starting a class action against them.

This has got to be the worst customer service ever. I truly believe they intentionally take a long time in doing everything and never fixing anything. I have been trying for over 1 month to have my direct draft setup and they are impossible. Always saying it will be setup in 3 days. They will not give you a phone number to call so you are stuck emailing which always takes a day to reply so you are stuck in a pattern of them not giving you correct info and starting over. IF YOU FIND OUT THEY ARE GOING TO ADMINISTER YOUR LOAN LOOK ELSEWHERE!!!!!

I paid off my loan 13 months ago and this company has not released the lien on the deed with the local county yet. I am trying to borrow money to purchase a different property and cannot close the loan because of CENLAR not releasing the deed. I was told that they are "missing an assignment" and the customer service didn't know what that meant. The last person I spoke "Loretta" blames this mix up on the previous mortgage company. I have had several problems with this company when I had the loan and I am still having to deal with them 13 months after I paid off the note.

Cenlar Administration reversed my check payment for my Loan because of insufficient funds. The funny thing is my bank has no clue as to why they did this (my account has sufficient funds). Well, they did it again. So now I am being charged late fees because...?? I am starting to see a lot of complaints about this company and seriously thinking about reporting them and have someone audit their practice. The original loan that I took out was taken over by them and I have had problems ever since.

I went through the loan modification process to lower my interest rate from 6% to 3.75%. Before the modification process started, I did my own homeowners insurance and property taxes (all current). But the privilege to do my own escrow was REVOKED by either Cenlar or Bayview LLC. So when I started my Trial Period payments, the payments included the escrow payment of $93.13, but Cenlar or Bayview never credited it to an escrow account. I was told there was no escrow account, so all the payments that went to Cenlar were credited to the loan and interest balance. I have requested from them to take the money that is for the escrow account out of the loan payments and put it where it belongs in a new escrow account. I feel that my money has been misplaced and that my escrow account will fall short and I will have to come up with a lot of money in a large lump sum to make up Cenlar's problem. They have the money. All they have to do is move it to where it belongs.

In Oct, I contacted Cenlar about a deed in lieu. My income had taken a hit and was to be even a bigger hardship when my employment ended for the summer. Cenlar immediately sent my account info to Bayview Financial. At that point, I was completely up-to-date with all my payments and had NEVER been late. I was originally told that my property DID NOT need to be listed; it got into Bayview's hands and it did. I filled out multiple packets of papers, got my house listed, my accounts sent back to Cenlar, then sent back to Bayview, filled out more papers and found out that property was NOT required to be listed.

They insisted I lived in a flood hazard despite two certificates saying otherwise from FEMA and an engineering report. After my attorney contacted them, they responded with a form letter saying after closer review, they have determined flood insurance is not necessary but that flood insurance might be required at a later date since flood maps change. They failed to send me a mortgage statement for three months. I called repeatedly and then they had the nerve to suggest they were doing me a favor by waiving a late fee. Complete incompetents. I am refinancing.

Just got a call from CENLAR from a person who could barely speak English named Andujar. The number on the caller ID was **. Woman claims she is calling to find out why we haven't sent in our payment? We have paid the loan every month on time and paid $50 extra in principal every single month for the past five years! Then she says, "Oops, I see we did get your payment." So why are you calling me? I asked to speak to a supervisor and I got a Mr. **, who says he is a collections supervisor.

I was told a payoff amount on 6/12 via phone of $3,102.00 and that was paid. They then advised me after that payment that there is an additional amount of $1,161 that’s due. I advised them that this account has been paid in full. They reported to the Credit Bureau that there was an unpaid balance of $2,034, which is more than the $1,161 that they said I owed. I have been given several more different amounts to pay, and each time I pay it, they would hold the check for 5 to 6 weeks and send it back stating that it is the wrong amount. They would not cash it until the correct amount is sent. They gave me a total of 4 different amounts before telling me the correct amount was $715. They never sent me a payoff statement until they told me the $715 was due to pay off the loan.

I am a new homeowner and like everyone else, I am currently having issues with Cenlar - escrow and property tax for almost a year to be exact. Cenlar is currently claiming that I am past due by a few payments, that my escrow is short due to property tax issues, and that my last payment was a lesser amount than what it should have been (all not true).

I was a victim of Lend America. I attempted to refinance my home in 2008 after a lengthy process. Lend America approved my loan and never funded it. Later in December of 2009, I began to receive late payments and phone calls. Shortly after the calls began, Lend America was shut down by the FHA. In spring of 2010, Cenlar began to call promising to resolve the problem. At one time, their attorney thought I should have no further problems since the loan never happened; it was never funded. After 15 months of phone calls, I got my own attorney. Cenlar has refused to communicate with him to resolve the issue. As of October 2012, the loan has once again been added to my credit report - dropping my credit score from 820 to 600. The tragedy in all this, aside from my damaged financial status, is that in order to fight back, you have to have money and a lot of it, so no one has taken these folks to task. The consumer-reporting agency will not do anything. The FHA will not get involved because they do deal in that arena. To prove fraud, one must have money to fight back. And there my friends, it ends. I am helpless to help myself and I can tell you it is quite frustrating.

I can't even begin to explain the issues I have experienced with Cenlar. For over two years, I have attempted to resolve an escrow account error with no success. I have faxed the requested proof of insurance documents on countless occasions. I believe I have spoken to every overseas employee that works for Cenlar, documented their name and employee ID and the endless promises that they have made to personally assure me that the issue will be resolved. Two years later and hours of phone calls and frustration, I am still fighting this issue. I would not recommend Cenlar to my worst enemy and I have never dealt with such a horrible and dysfunctional organization in my entire life.

I had a similar experience as others who didn't receive credit for a payment made during the takeover of Taylor, Bean & Whitaker. In addition, when I had a recurrence of cancer last year and had to take early retirement, at a much lower salary, I spoke with a representative from Cenlar, who said he would send me forms to fill out requesting permission to miss a few payments or restructure the loan, etc. I filled out the forms, sent them back and received a call from a company that forecloses on properties for Cenlar. They were ready to begin proceedings against me since I still showed up as being one payment behind. These folks are vultures. I borrowed money from my brother, made the payment just to get them to back off and now have my house on the market. I can't wait to sell my house and celebrate the end of having to deal with Cenlar.

I originally had my mortgage with Bank United but was transferred to Cenlar. Recently, they started charging me with an escrow that I never had and insurance that I have on my own. This company never ever answers a phone or cares to answer the message I left on the recording system. To me, they are the biggest Ponzi scam.

I work in the mortgage industry and had to request some documents from Cenlar who was the previous lender for our mutual client. I believe that Cenlar's system for following up with clients is poor, and their customer service representatives have no clue as to what they are doing. I would advise anyone looking to purchase/refinance with Cenlar to reconsider. I would never recommend Cenlar to anyone I know.

It's my very first payment. I'm looking at my checking account and notice that no money has been withdrawn for the mortgage payment. I called to notify them, and they tell me they will withdraw the money. One week later, I still notice no money has been withdrawn. I called them back and got the same answer. So, I deployed for a month and of course, they began calling my wife asking why we haven't paid. All the meanwhile, I set up an automatic withdrawal. So, I came home and talked to them again. I ended up paying a late fee and a fee to pay my mortgage over the phone. So now, the mortgage payment is late. I checked my credit report and came to find out that they reported me for being late.

I have been trying to save my home from foreclosure since May of 2012 and have gotten nothing but the runaround by this company. I have requested reinstatement and been getting denied without explanation or reason. I have notes of every call, email, etc. This company has been shady and unprofessional. I can’t get direct answers, single point of contact; no one ever has accurate information to give. I receive message that is vague no name or reason for call. I am at my wits’ end and am not willing to lose my home. Please help me!

I had a loan with TBW which went bankrupt in 2009. I was not informed, forewarned and could no longer make payments online. I had no coupon book, had always worked paperless with TBW. I could not find where to send my payments. Cenlar website said to send payments to BofA, which I did. Three months later, the checks were returned with statement "unable to locate loan". I e-mailed and called Cenlar, getting a response in another three months (yes, I still have the e-mails). They still show me a month behind in payments, and I have accrued more than $400 in late fees.

I'm unable to refinance to the HARP due to Cenlar's erroneous reporting that my loan is "non-performing." So Freddie Mac won't touch it. I desperately need to lower my interest rate. Very frustrating. No number of phone calls can resolve this and no way to escalate it within their system. My loan is current with them and went 30 days past due only twice in 4 years. However, if I make a payment after the 1st of any given month, their automated system phones constantly, typically 1-2 times a day. Also, to clarify, Cenlar is not a lending institution but a mortgage servicer.

We began the process of refinancing our mortgage and requested a pay-off statement over two weeks ago. The original pay-off statement included an error which we requested they correct immediately and since then, they have issued four new pay-off statements and they all have had errors. We still have not received a correct pay-off statement and we are beyond the closing period and have to start the process all over again because Cenlar did not deliver as they have promised!

Worst ever! It is ridiculous these places have no customer service whatsoever - no return calls, no follow up, failure to complete required paperwork. It is ridiculous that you have no choice when your loan is sold to half-assed businesses!

I recently contacted Cenlar (the holder of my mortgage) to ask if I could refinance my mortgage to a lower interest rate under HARP. Even though I qualify under HARP, I was told no and that Cenlar was not participating in HARP. I called several other lenders and was told each time that since Cenlar is a FreddieMac lender, they would not refinance even though I have excellent credit, make my payments on time, etc. I was advised to call Cenlar back again and express my dissatisfaction about not being able to refinance.

We had a mortgage with TWB who went bankrupt in 2009. Our loan was transferred to Cenlar in September 2009. For 2 years, we made our regular loan payments using the payment coupons they provided. Then in 2011, we were informed our account was past due and that the mortgage payment for August of 2009 was never received. We found the cancelled check that was made payable to TWB in August of 2009 but cashed by Cenlar in October of 2009. I have provided copies to Cenlar on 3 different occasions and still cannot get it resolved. They have reported our account 8 times (30 days past due) to the credit bureau, which caused our credit score to significantly drop. This is unbelievable and the reps with Cenlar are difficult to understand and hardly speak English. Someone needs to file a suit against this company. They are obviously incompetent.

A rep from CENLAR called wanting to know where our mortgage payment was. It was on the 20th of the month when he called and my wife mailed the payment at the beginning of the month. The check cleared the bank. The rude and arrogant rep demanded to know why our payment was late. Rather than argue with him, I told him because of a medical emergency. He said that the payment from now on must be in by the 1st of the month. According to our statement, we have from the 1st to the 16th to get the payment in. Also, after reading other people's testimony, why is it that CENLAR is getting away with what they are doing? Now I am thinking that I am getting ripped off by CENLAR with all these escrow issues. Can someone please investigate this company?

I began with Taylor, Whittaker, & Bean. I made my payments weekly which are always equaling slightly more than a once a month payment. TWB went out of business (not that I knew about their bankruptcy). About eight months later, I received a phone call from some company called CENLAR stating that I was behind in my payments and demanding that payment be made. Apparently, CENLAR had mailed their letters to the mortgaged property address and not to the billing address! I had never received this information.

Like everyone else, I have been charged unnecessary fees and been treated as though I am at fault when I call to resolve the issues. Since they switched to their new website in October, I have had a billing issue every month. I make my payment online using my checking account. However, for four months in a row, they hold onto the payment for a week before requesting it from my bank. When they did request it, it was coded for savings, not checking. Since that is not the savings account we use, they bank sent it back as insufficient funds.

I never received any calls or paperwork since October 2011. Finally, I was told I was not accepted and would receive something in the mail. That was four weeks ago. Today, I contacted and left a message for a manager so I could ask about loan repayment and have not heard from anyone. I notified FHA and HUD.

Same as all the other complaints, I paid TBW until CENLAR took over mortgage, then I was notified 2 years later that CENLAR didn't get the last payment before the transfer. I have sent numerous copies to CENLAR of the last payment that was made to TBW. They still send weekly letters and call every night of the week! I continue to make my mortgage payments on time, as always, but I refuse to make a payment that was already made. I can't believe this company gets away with this business. I've never seen so many complaints! Please help!

Cenlar did not pay insurance from the escrow payment, and consequently, we were canceled by the insurance company. Then, they assigned an insurance company, which was 5 times the amount we were paying for homeowner's insurance. My son was in Iraq at the time, and this should be illegal for them to do, to someone in the military. We assumed the mortgage company was doing what they were contracted to do. We wanted the escrow account cancelled, but they said we owed them $400, but it was really they who owed us that money. They need to be audited. They have shady accounting practices.

Cenlar purchased our mortgage, and second mortgage, right after we paid off the second mortgage, with our original lender. They continued trying to charge us, including late fees, even though we sent them paperwork, cancelled checks, and letters from the original lender. This went on for months. After six months, they finally agreed we were right, but our credit score had suffered. We requested for it to be closed, but they wouldn't. Now, we're trying to get our loan refinanced, and the new company won't do it with that second mortgage open. They are charging us a "paperwork fee", to close an account. Such **!

My loan was transferred from TB&W to Cenlar in September 2009 following TB&W's bankruptcy. For the first three months, I had no idea what was taking place. I was receiving letters from Cenlar monthly indicating where to send my mortgage payment. Through the course of all this, I was receiving cancellation notices from my insurance company since my premium which was normally paid from my escrow account remained unpaid. Shortly after Cenlar established themselves as the successive mortgage company, they sent out an escrow analysis. Surprisingly, the report indicated that there was a $2,002.56 escrow shortage even though taxes and insurance had not increased. Consequently, my mortgage increased just over $200 per month.

In Dec. 2010, Central sent me a refund letter but only with a statement and no check. I called and asked if they could apply it to the principal. They said no but would try and if not, they would send me the refund. They promised to call me back within 48 hours. No calls for days. I called again and again and got the same promise, same message every time. Months later, surprisingly, I got a refund check but with my name misspelled. I called, the whole same conversation repeated. I asked if they could just apply it towards the principal. Same 48-hour promises, got no calls nor refund payment. I was extremely mad and called them back. The same thing was about to be said then I said "no, I don't want apologies, no conversation with Indian people. I wanted to speak with someone in the US".

I was laid off and am working with NACA, We did all the paperwork to move forward with a forbearance on my mortgage. I submitted in May 2011 to Cenlar. I heard nothing from them. In May, I received a letter from a company called Bay View Loan Servicing asking for documents. Also stating that they were a debt collection agency. I paid no attention, thinking it was a scam. When I finally could get a rep from Cenlar, they told me that they sub-contract all modifications to Bayview. I sent Bayview all documents that Cenlar didn't send.

They now have an escalation unit address below except they will only reply with a letter that says they received the complaint

I, too, am have an issue with Cenlar not applying the last payment I made with TBW during the time Cenlar took over. Looks to me that Cenlar never received that payment from TBW and is now trying to collect from me. I see they are doing this to countless other people as well. I believe they know that TBW received those payments but are trying to collect anyway.

If I could choose zero stars, I would. One year after CENLAR took over from TB&W, I started getting notices that I had missed a payment. CENLAR claimed that TB&W said they never received my last payment. It took multiple phone calls and my bank intervening with a copy of the cashed check to stop that particular incident. Now, another year later, I am again getting notices of overdue payments, over $3000. I am getting calls from their collection department constantly (6 times last week). And each time I call, they can't help me. It needs to go to a supervisor or someone needs to research it.

I cannot get in touch with the ** people I need to talk to. Your overseas phone service obviously does not work! I have been trying to contact the States for the Research department for two weeks. If I was to stop paying my loan, would that help in getting someone to talk to me? I need to rectify a recurring situation with Cenlar Escrow!

Oh my goodness! I can't believe all that I am reading. I was just checking into the Central company also, since taking over my mortgage from Whitaker, Taylor & Bean. I have also had problems with the escrow account. I was told it was Whitaker, Taylor & Bean that messed the payment on the escrow account, not Central. I have had $76.00 added to my payment, also due to underfunded escrow account per Central. I am not sure if it was Central that mishandled the escrow accounts. It was originally Whitaker, Taylor & Bean that is, who I think, should be accountable for the underfunded escrow account and should have to pay them for us.

CENLAR paid my 2009 Flood Insurance policy, although my account was never an escrow account at the time of transferred from Taylor Bean. They notified me this year (2011) via an Escrow Analyst Statement that I have a "shortage" of $1,635 for the flood payment and of course increasing my monthly payments. I've faxed them proof twice the payment made by us and the premium due of only $368 and not what they claimed. As of my last conversation with their customer serviced rep (CSR) this week, they are still "researching" and to call them back in two weeks' time.

Cenlar has my principle balance and my escrow account balance wrong. They are raising my payment amount and are refusing to take any payments until I pay the amount they say. I have sent them two copies of my original amortization schedule and they refused to get the balances corrected. I am going to have to send them the incorrect payment just so I can sleep at night.

I received an insurance claim check made out to myself and Cenlar. I mailed them the check along with the info they required. They mailed me a check. It bounced. I called. They said they would get back to me. I verified with the insurance claim department that their check cleared. Cenlar has not contacted me. I paid for a returned check fee.

There's way too much to tell. But I don't even know where to send my payment. Ever since Cenlar took over my loan from T.B.W. it's been hell. I don't know if any extra payments I pay is coming off my balance. You get the run around any time you call. Now I don't even know where to send my payment. I have a returned letter with February payment in it. I kept checking my bank last month and I would call them and finally It came back as not deliverable as address unable to forward. I called because I didn't want to be late. They accepted it over the phone, of course and then he gave me another address over the phone. I told him I needed it in writing and he said I would get a letter about my verbal authorization. Well I got the letter and it has the same address on it where my loan payment had been returned. Now I'm scared to send a payment where I don't know. I think they want me to be late or call them again so they can charge extra fees. I didn't even receive a statement telling me how much interest I've paid. Can somebody help us from these people?

I have had more than one bad run in with Cenlar, my mortgage company. I was former Tayler Bean and Whittaker customer when they went bankrupt. Its been a huge nightmare dealing with Cenlar. I've dealt with loan escrow shortages and them wanting more money unjustly,as well they don't report my payments to credit bureaus, it's not even existing on my credit report. I have too many other bad complaints too much to list.

Their customer service is in India, and they make it impossible to get anything done. I made and extra $1,000.00 payment to T&B before CENLAR took over in Aug of 2009. The CENLAR online account payment history does not show that I got credit for that amount. I have been trying since last year to correct that. I have called them at least 10 times and wrote a letter twice. I've sent all needed documents 3 times and have receive one feedback saying they are investigating. But when I call the ** Indian customer care, they tell me the document was not complete and they have closed the case, or they need more info. What they say on the phone keeps changing which is different from what they wrote only that one time.

My mortgage was TBW. Everything was fine, every month for 5 years. Suddenly, I have a notice of a monthly increase of $135.00 per month for an "Escrow Shortage". I asked how I could suddenly have such a shortage. They of course blamed TBW, I do not believe that. I have filed a complaint with the Office of Thrift Supervisors, Department of Treasury. I have actually received a letter stating that my payment should only go up $4.43 per month as I calculated. However, my new monthly coupon book shows an increase of $135.00. I called "Robert" at Cenlar as directed and he is not available...go figure. All I can say is keep trying and document, document, document. Everything must be Certified Return Receipt US Mail.

I closed my mortgage with Taylor Bean & Whitaker. This mortgage company went under and my escrow balance was not transferred correctly. I faxed (long distance) all of my documents proving what my balance should be to CENLAR on July 13 (and have my fax receipt), called them to confirm they received and now on August 2 I am told by CENLAR (Jonathan) that they did not receive my request. CENLAR is showing my escrow short by $2,556.66 making my payment go up $213.06 each month.

CENLAR took over my mortgage for Taylor, Bean & Whitaker in August 2009 without my knowledge. I thought that with TB&W being such a trustworthy company that they would have picked one to take our mortgages. Wrong! CENLAR continued to take out of the auto-draft I had signed for an optional insurance that I had started paying myself because I didn't want it to lapse. I notified them by phone and kept getting someone that sounded like they were from Pakistan. The person either couldn't help me nor give me their supervisor to talk to. I sent letters to no avail.

I have read through so many comments here that echo what I have gone through after the servicing of my Taylor, Bean and Whitaker mortgage was transferred to Cenlar. It's shocking.

On May 28th, I received a notice from my home insurance provider that my payment had not been made. I called Cenlar and spoke to a man who gave me his name and asked me to re-fax a copy of the bill to him. I did this and informed him my insurance would be cancelled on June 7, 2010. He told me not to worry and would take care of it that day, and would overnight the payment. On Tuesday, June 1st, I made a follow up call to Cenlar, I was told by a nice lady (with a Hindu accent) that Cenlar does not have the bill to pay. I told her to put on a supervisor and was transferred to Nick. He managed to find the bill and promised to have this overnighted to my insurance company in 36 hours "tops". I again informed him of the importance of this as my insurance was to be cancelled on June 7.

We have been dealing with our last August, September and October mortgage payment from 2009 not showing that it was ever paid. Finally, Cenlar told us that, "Oh yes, we see now that your payments were made," however, there was still the question of our escrow account not being accurate ever since Cenlar took over our mortgage in August even though I have faxed and mailed the correct information. They failed to acknowledge it or they never seem to receive it. I cannot tell you how many endless hours I've spent on the phone to someone who can't hardly speak English or understand it and it's hard for me to get my message across to them.

My mortgage was sold to Cenlar. I had just made a payment to Taylor Bean and Whittaker. It went through on the sell-out date. I received a letter from Cenlar stating I owed October, which I had already paid. I argued with them. No closure. I just paid the payment after faxing bank statements. Then I received a letter stating I did not have insurance and were providing insurance through some company. I had been calling them, because I have had insurance with MetLife for a while and was receiving statements of non-payment.

I've got a good one! Cenlar took over my mortgage within the first year of home ownership. They pay my tax and insurance. The month they took over, my property tax was due and I guess in the shuffle, the bill was never paid. It is now a year later and several phone calls and letters/faxes with the bill to them and it remains unpaid with late fees growing. But this is small potatoes.

Once again, CENLAR has failed to pay our property taxes resulting in yet another threatening notification from our City Tax Office that they intend to sell our brand new home for an outstanding tax obligation due to CENLAR having failed in their fiduciary responsibility to pay our taxes in a timely manner. Our attorney will be contacting CENLAR to release us from escrow and afford us the opportunity to pay our taxes on our own, and no longer suffer from CENLAR's malicious negligence that has caused undue stress by having failed to comply with their obligations to pay the taxes on time, and without the need for faxes to be sent by the homeowner reminding them of their duty. I have contacted the Better Business Bureau, as well as NY city media to look into CENLAR's failures to properly manage the accounts of their clients.

Cenlar foreclosed on my home in 2005, I have the letter from the attorney who confirms my home was foreclosed. Cenlar continues to report to the credit bureau five years later that foreclosure procedures are starting. I have filed a dispute, faxed in letter from attorney. When I spoke to Cenlar, they said definitely my property was foreclosed and they would call me. Never would correct, never would call me. They are evil. I am not looking for a pity party, however, had a terrible injury that left me in a wheelchair for almost a year and then a walker. My husband had cancer and passed away, terrible time. Everything I read about Cenlar is bad and talking to the people who work there their actions should be illegal. One of the collectors told me he would never allow himself to get as low as I am. My credit is destroyed because the foreclosure shows as beginning in 2010 when it was foreclosed five years ago. If there isn't a law, there should be for the abusive and degrading conversations with Cenlar.

With Freddie Mac in the mix, I smell a rat. I'll start trying to get this straight. From these previous comments, I think I have my work cut out for me.

Our loan was sold by TBW to Cenlar, when TBW went bankrupt. We had mortgage and escrow payments taken directly from our account for 11-12 years, and never had a problem. In May 2010, we received annual escrow info from Cenlar, stating we had over $1,000 in shortage in your escrow, and our future payments would be changed to make it up. It turns out they paid double taxes in October 2009, but never told us. When I contacted them the first time, they agreed and said it would be handled. The second time, they said yes, they saw they did that, but I still owed the shortage, and I needed to send a fax of the double payment to them, which I did. The third time, they said they had researched this, and they made double payments on taxes, because TBW never paid taxes. My question, is where is my money, then? The escrow money was paid diligently for years, yet my taxes weren't paid?

I have much the same story as others who had their mortgage bought from TB&W by Cenlar. The amount they wanted me to pay into escrow doubled immediately. It amounts to over $1200 than what is needed to pay taxes and insurance. I paid my own real estate tax before Cenlar could get to it. I am asking them to sign a waiver to release me from escrow. That was two weeks ago, and what I have gotten is an email saying their research department will study my request. I have not heard anything from them.

Central Loan Administration and Reporting (CENLAR) has been misapplying my mortgage since they took over servicing my mortgage from my previous mortgage company that went bankrupt. On April 15, 2010, I was surprised to receive a bill from CENLAR, that my escrow was short $1372.39. There was no way for me to verify the accuracy of this statement. To avoid having to pay extra penalties, I increased my monthly mortgage payment by over $100 a month from the original mortgage that was transferred to CENLAR. I also paid in full the escrow that I was short $1372.39. When I checked my account online a week later after both my increased mortgage and the additional mortgage were paid, I was surprised my account was only credited about $1372.39, and was misapplied to my mortgage, when it should have been applied to my escrow. My account was not credited $1415 that I paid for my mortgage. It was after I called to complain that I was told it will be resolved. When I requested a statement in writing for credit to my account for both payments, I was refused. Further, my request for monthly mortgage statement was also refused. I want the following done: 1) Refund of the $1372.39. 2) Monthly mortgage statement of my account sent to me by mail.

We had our mortgage on our lake cottage with TBW and were transferred to Cenlar in 8/09. We never got notification until 9/09 and immediately started calling because homeowners and flood insurance were due 9/1 out of escrow. We also called our insurance company who started calling them. They finally paid the homeowners after cancellation threat and only paid the flood insurance after FEMA threatened cancellation and raised our policy rate and charged late fees.

I am one of the unfortunate people that were with TB&W and then transferred to Cenlar. Cenlar does not report mortgages on credit reports. I promise if someone was not making their mortgage payments to them, they would report that. Since taking over 250K loans from TB&W it is hurting all that have mortgages that are not being reported. I am also in the mortgage industry so when trying to refinance anyone with Cenler it is like pulling teeth to get payoffs and/or verification of mortgages.

When CENLAR bought out Taylor, Bean & Whitaker, which was in July 2009, my mortgage went to CENLAR. I, along with my representatives, ACORN, at the time, sent in what CENLAR wanted to evaluate a re-modification of my mortgage. Nothing was done, nor were we ever contacted, and in late December of '09, I called CENLAR again, and was told that they had received nothing. ACORN sent a packet to them in the beginning of October of '09, with them having to sign for it from the delivery service.

Like everyone else, my mortgage was sold to Cenlar in late Jul early Aug 2009. I was not notified and did not realize anything was wrong until I noticed that my mortgage payment did not come out of my account in Aug 2009. I called my local bank to find out what was going on. They informed me that TBW had been sold to Cenlar and that they had not notified anyone.

When Taylor, Bean & Whitaker was closed, I was in the middle of a refinance. Both the prior loan and the refinanced loan were "sold" to Cenlar corp, and they have been trying to collect on both since 8/09. I have faxed, emailed, and called since that time and I never receive a response. Still, I continue to receive 2 bills, one for each loan monthly. I am current on my refinanced loan, however the original loan is going to collections. Credit score affected.

TBW transferred loan to Roundpoint Mortgage. Roundpoint transferred loan back to TBW...Meanwhile "Cenlar" says our loan belongs to them and we are 8 months behind in our payments and that they will both honor our loan modification that was done by TBW. Meanwhile, TBW has our escrow and money. Please help. In fear or foreclosure.