Cenlar
Reviews and Complaints

Worst Mortgage Servicing outfit in the United States, possibly the planet! No wonder they are operating under a consent decree from the Comptroller of the Currency! If the entity that provided your mortgage sells it or places it for serving with Cenlar, dump your mortgage and never do business with the entity that sold or placed it with these incompetent individuals! In addition to constantly providing inaccurate information, misapplying payments and horrible customer service, it has been three months since I paid off my mortgage and these crooks have still not refunded the escrow account amounts they agree they owe! Stay Far Away from this Not BBB Accredited entity repeatedly in trouble with Regulators!

Cenlar is claiming I have a 9500 deliquent tax on my property when this is a new construction building and I am a first owner. All prior taxes were paid by the closing company and there is proof of cashed checks by the DOF. CENLAR fails to acknowledge this and increases my monthly by 1K. They do not respond on the portal or by email. They have no idea what is going on and just want to charge me for the money. Taxes were paid and proof is there however CENLAR does not want to see this even though all the proof is there

This company is a fraud

They set me up with a cares act forbearance making it seem like my mortgage was safe from a forclosure boy did they pull a fast one on me

Not only did I start paying my monthly payments after my forbearance ended I kept in contact with Cenlar ! half of those agents are clueless and you only get one live person ! Seems to be no supervisor nor manager you can speak with ! All there communicates is by emailing each other . It’s a nightmare I’m going through ! So I was told I needed to come up with the lump sum of money owed for the forbearance. I don’t have that kind of money ! Than I was told to do a loss mitigation to save my home ! That’s been a nightmare they never seem to get all my documents. It’s been like this for a year and a half now ! I’m getting no we’re with Cenlar only the run around and my bsjxnce going higher and higher to pay to keep my home .

They want my home it’s got a high value on it plus we have a lot of equity in our home . We have never had to use it . We Owe less than the reunify we have in our home right now . Cenlar are frauds

I was offered a forbearance during the covid pandemic it was the cares act package Donald trump signed to save borrowers from losing their homes . Once my forbearance ended I started paying my full mortgage payments they posted all the payments for 15 months .than they posted the last payment on 12/22 than I received active foreclosure paper work from an attorney . I’ve been trying to get a deferment for 2 years. Flex plan having so much trouble saving my home . We have 30,000 we can put towards a flex plan or a payment plan . We need you to help us save our home . This forbearance was suppose to do that

No look were we are .

Mercy canchola

Sold my home and CENLAR took 9 months to produce the paperwork for closing. Almost a month after closing and loan is still in my name. The worst company, worst customer service, and worst mortgage servicing in the United States. I lost interest payments, principal payments, insurance payments, and tax payments waiting on CENLAR. Furthermore, I have continually suffered emotional distress through this whole ordeal. Calling, emailing, online messaging over and over again with no response and no action. They are still holding some of my escrow money.

Cenlar took over our existing mortgage loan in February 2023, even though the previous mortgage company and myself submitted all proof and bank payments that we were paid in full on our mortgage until March 1, 2023 Cenlar is demanding a payment for February even though we have provided all documents that it was paid prior to them taking it over, every month they say we are 30 days late even though I continue to pay my payment on the first of every month since they didn’t directly receive a February payment to them directly they are saying were constantly late and sending demanding delinquency letters. The customer service reps are not helpful one bit. Every time we call each one of them tells us a totally different scenario or what to do , I even had one customer service rep Miss Jackson tell me “this is what happens when you pay your bills early“. I am completely blown away by this company, and their lack of wanting to help their client in any way, shape or form I would understand if I could not furnish any proof that the payment was already made but we have submitted everything showing it was and they still won’t except that they want a payment directly to them, we are now seeking legal counsel. I have refused to pay an additional payment since I did pay it already and we are obtaining an attorney. I highly recommend anybody not to sign with this mortgage company as I believe they are fraudulent and dishonest they have made this process of us buying our new house last year, the most stressful and unhappy time for us, when it should be the most exciting.

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

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

On December 1st Cenlar took a payment early. So, I thought. Then on December 5th they took another payment. I called to find out what was going on. They informed me it takes upto 60 days to get our money and so you are behind. They acknowledge they know I made my payment however they are so greedy they don't care they want their money now.

Cenlar has Not communicated with the other company and I have had to play middle woman for the past 2 weeks. I explained to Justice tonight that Dorothy explained to me you have not sent a request for the money and you need to do that. He said he would but I still need to send them the money. I asked why and he stated because I am behind in my payments. I then asked Justice if you are requesting the money I paid and I send you a payment I double paid, so what happens to the money. He refused to answer the question and I asked twice. He then informed me they were going to start letting the credit bureau know I am late. I told him I had proof I paid, and I can send it to you. He stated no need to.

No one informed me and Justice feels as though I should have somehow known and paid them and not the company I got the loan from. So sad. They have No care for people. They only want money whether you owe it or not. They refuse to work with me. They refuse to have any compassion, grace nor mercy even though they know I made my payment. Justice acknowledged it takes 60 days for all the transitions to happen, but in the end they do Not care and they want double payment.

Stay away from this company. I had no choice, Erica even acknowledge they changed my original contract which to me seems like that should be illegal. I set my payments to come out on the 7th of each month and they changed it to the 1st, because they want their money.

Every Year "like clock work"I have EOI to file/send Master Policy to this Bank along with Flood insurance...Thier Cust service reps are(Most not all) not qualified to handle Bank INFO plain & simple...One rep told me that they contacted me & EOI...that was a lie...Explained to rep that what she told me was not true because there was NO PHONE LOG FROM THEM and that EOI responds 100%(I talked with them as well)...The rep emotionally come unglued it was ugly...My citi bank sold my loan to them what a mistake...Now they have generated a Flood insurance 12/2/22 policy close to 600.00 & deducted money from my escrow account...My Flood insurance policy was inforce in OCTOBER!...won't respond back to me if they have refunded my escrow...Refinacing with my bank had enough!

Our mortgage wound up being serviced by CENLAR several years ago, and it didn’t take long for issues to begin. From odd payment crediting delays that they couldn’t explain, to them changing our escrow amount yet the actual escrow expenses not matching what they claimed…

They once even told us our homeowners insurance was cancelled and that if we didn’t provide proof of coverage within a few day, they had to take out an insanely over-priced (5x our usual premium) policy “for us”. Our insurance carrier faxed and emailed them proof of coverage, but they took out a policy for a month anyway, further eroding our escrow account. They know th3 average consumer cannot afford the cost of an attorney… $1500 to an attorney to maybe get our double-payment back, or we just suck it up on the $400-ish extra payment for escrow…

But we’ve not had any big problems until now. We got a letter today stating that our homeowner’s policy again has been “cancelled”. Spoke with our agent- and nope. Not cancelled.

CENLAR is a scam artist company. Guess we will next have to file a complaint with our state attorney general’s office. And out of principal…suck it up and pay an attorney.

My mortgage was sold to this company, so what can one do? They turned off my ability to pay my bill online, there are no phone payment options, and it is the 31st of the month. I tried customer service but there is no one ever there. I tried chat, but that person could not help me. I believe they do this when a payment is late so that they can collect more fees. This is s cam and I am sure it has happened to other people. Read the online customer reviews and you will se exactly what I talking about.

I have sent in the assumption papers last August and still have no response. I have sent 10+ online messages and emails. no response. I have to have my husbands name removed from the mortgage as we are divorced and it is impacting his ability to get a loan. I need this done immediately before we go to court. loan number [protected]

Donna Kladis

[protected]@yahoo.com

[protected] cell

I have been trying to get an assumption done on my home. I am approaching retirement and would like to have my daughter assume the mortgage. It has been near impossible to get ANY communication or help. It takes weeks and months to get one consent and then months to get packet. When I call customer service because I have heard nothing, no one sees any of the assumption. I have emailed and requested call backs. NO ONE RESPONDS!

trying to pay off my mortgage and these idiots charge a $750 recording fee which is bad enough. But because of the recording fee, I now have to physically go to my branch and get a certified check from my bank to pay off the amount because the fee makes the amount more than the owed principal so I cannot pay electronically. The problem is now the amount on the check will not be right as I have no idea when the check will be received and credited. So now I will have to pay for another certified check for pennies to cover the extra interest for when the payoff amount comes. So totally stupid and ridiculous business practice and the [censored] customer service agent said it's their policy so nothing they can do about this. Just a scam to make it as difficult as possible to pay off a mortgage.

Don't know if this the right place. But this loan # should have been paid off or cancelled when Cenlar brought out my loan with Citizens Mortgage. It is still showing up on my credit reports and show on my house insurance as a second mortgage. The loan# [protected] was paid off in 2020. I have talked to two different departments to try to get a letter or something to declare that it is paid or invalid. I would like to get it off my credit reports and off my house insurance as it shows its still a second mortgage. Any help would greatly be appreciated.

Judith Britt

My mortgage was sold to consumer co-op and I was given an account number. After a few weeks the company changed the place I my payments to cenlar. They did not emphasize that my acct# had changed also. I made my payment for may but due to consumer co-op and cenlar having the same po box address, my bill pay defaulted to consumer co-op. My payment for june was made before this was brought to my attention. The usps is taking 10-13 days to deliver the mail from cenlar.

After much stress and proof that they have the money I am now under threat of foreclosure. Last wednesday I faxed two images of cancelled checks with cenlars stamp on the back. The money was deposited via the old acct# which they had changed without clearly informing me.

This morning I was told by robo-call to get in touch and was given a number which, by caller id belongs to mid island mortgage.? Naturally they are closed on saturday so more sleepless nights in store.

Cenlar FSD claims they mailed my flood policy premium to Allstate on Apr 1, 2022. They reported to my mortgage company and to me that the policy had been renewed. I relied on that information to my detriment.

I am now being told that the payment was never received, that the policy was not renewed, that it has been canceled and that it now must be re-written at a cost of more than five times the original premium.

I called in March 2022 I called to inform the company that my husband passed away in Nov 2021 and his name was on the mortgage. I asked how I can add my name and I was told I only needed to send in a copy of my license, his death certificate and marriage certificate. I have sent everything they asked and some how they have it there system that we are trying to refinance. How can my husband refinance when he is deceased and I have sent the death certificate. On 5/31/22 I received a Request to Receive Assumption/Release of Liability Application that was date 5/20/22. I the application I have on 20 days to get it back to them. I took 11 days to have it delivered. I called them on 5/31/22 to have someone call me so I can ask a question on the application and I was told they would call on 6/1/22 no one did. I called twice on 6/2/22 and was told twice that someone would call me on that day and no one did. I called on 6/3/22 and was promised that someone would call me and again no one did. I filled out the application and emailed it back hoping I filled it out correctly. Also, when I called on Friday, 6/3/22 the message on our account says package is incomplete, documents expired.

Hello,

I have had my mortgage for 19 years (Citi - 16) (Cenlar 4). In 2015 I took out a HEMAP loan from the state due to being in hardship. I was approved and was able to bring the mortgage current.

Since then Cenlar has been stating that my account was short $500 or so dollars. I advised them 3 years ago that this was an error as the mortgage was bad and make current through this program.

I have been fighting this shortage for the past 3 or so years now! Cenlar is now indicating it was a shortage in escrow with taxes and insurance. in 2022 my insurance company has decreased as I have changed insurance companies, as well as last year's taxes, have decreased. I have brought this to Cenlar way too many times at this point to run an analysis... they say they ran the analysis and indeed the change is visible. Cenlar refuses to update my account. I need someone to investigate why I have to go through this my mortgage is up to date and I am a customer. This is out right not satifictory... please intervene. Thank you!

This company is claiming that "Federal Regulations" require them to hold insurance settlement checks in escrow until an inspector can prove that the work is complete. How can I pay for the work? Customer Service can not explain their process accurately. My adjusters and insurance company says they don't even know what they are asking for when they "reject" the adjuster's paperwork. I cannot repair my home with contractors that want paid up front. Cenlar's senior CSR's and supervisors admit that there is no way to speak with management or escalate complains. They will not schedule call backs and follow-ups will happen less than 20% of the time and have been caught blatantly lying.