Cenlar FSB Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.