Cenlar
Reviews and Complaints

This is the worst company I ever had to deal with. After paying off a home loan this company continues to fail to report it to any of the credit bureaus. I've contacted them numerous times and and constantly promised it will be reported. However they continue to fail to do so. You know that if I was late or not paying this would be reported right away. This is the absolute most dysfunctional company I have ever encountered. Do not do business with this crumby company!

We went to make our mortgage payment for the month of September to find out that our loan has been bought out from someone else. We never received a letter or any other notices of this change. I tried to call customer service on 9/2/2020 and cannot reach costumer service the recording says that are loan was sold. How do I find out on who has our loan?

CENLAR, CEO, ET AL,

You have ruined my credit for no cause while I was on fully authorized Government forbearance program.

You put me on 3 months forbearance program due to COVID 19 crisis. We agreed in writing during this period (April thru June) you do not file adverse report with any credit agency.

In violation of this agreement and Federal laws and Fair Credit Reporting Act you reported me as late and very delinquent to credit agencies and ruined my credit, as result my life is devastated. My loan was moved to Arvest and I cancelled the Forbearance as I paid off Arvest on time.

So you destroyed and harmed me and damaged my life and superior credit. I have incurred serious losses and damages and health issues as result.

You do not respond to my complaints neither by e mail or you site or phone.

Before this becomes a major and a serious problem I recommend you contact me and apologize and resolve this crisis you have created.
My Tel is [protected] (Farokh)

My loan was switched from Crescom Bank to Cenlar in May. I called in June to see if automatic payments also transferred. I was told no that I would need to make a payment before June 1 so I did. One June 1 an automatic payment was taken our of our checking account. I let this slide because it showed we would not need to make another payment until August 1. I called to see if I needed to cut off automatic payment until this was resolved but was told it would not automatically be taken out for July because there would not be one due. Guess what, July 1 another payment was taken out. I have called Cenlar several time and been on hold for hours. The poorest customer service I have ever seen I still cannot get a straight answer. Was told it would take 1 day, then 1 week, then under review, and they do not normally reverse payments. I am fed up with them after 3 months. Need help.

I recently sold my home at 194 Stetson Road Brooklyn CT 06234. My property insurance was through USAA. USSA inadvertently sent the Escrow portion to Cenlar in the amount of 1915.54. The check was cashed on 5/19/20. Usaa has contacted Cenlar twice per teleconference with me. Cenlar had no mortgage on the property. I want my money reimbursed to me... I cannot get a hold of anyone. Thank you. Teresa Hendricks [protected]

We had a house fire and I had to fight cenlar for 3 years to get money to rebuild the house. They fought hard to keep the money. It was a nightmare. Dealing with cenlar was worse than a complete loss house fire. We even lost pets.

Their customer service is a waste of time. They are poorly trained and the few that do seem to know what they are doing, are very limited what they can do. Multiple customer services people have told me that they don't have a supervisor they can send you to.

I lost my job due to covid-19. I called them and they said they would put me on forebearance. Not only did they not do that, they did take me off my auto pay. After 2 months, I started gettting threatening letters. I called serveral time and made "payments over the phone" with a costumer service rep but they were apparently not done or reversed.. No reasons given. They also charged late fees which I am currently on hold to try to get reversed but i've already been told twice that they may reverse one but not both. Hold time so fare is 43:30... I think my record with them is like 90min for hold time but i've also been hung up on several times.

We've been trying to pay off the remaining small balance of our loan with cenlar and they will not give me the correct payoff amount after two months of calling, and faxing the number they gave me to fax my questions to because the payoff dept. Does not accept calls per their customer service! Each month that it goes unpaid they are tacking on late fees! And, you can not just make a payment on the amount so it's not late because they wont accept it due to the fact they say it's in payoff status. When you call them you can expect to be on hold for hours and passed around to at least 3 to 4 people. I was on hold and passed around just yesterday for 2hours and 48 minutes only to be cute off. Called back and started over only to be passed around again for almost 2 hours and then they said I would get a call back in 24 hours! It's looking like we will have to hire an attorney to help us.

I so hate Cenlar and am pissed at Citi for letting them service my mortgage/escrow.

Last year, I did a refinancing. There was a $633.89 escrow balance transferred over from my old mortgage. It was applied on 1/3/2019 upon closing. On 1/29/2019, there was an 'adjustment' of $749.27.

Nobody at customer care could tell me where it went to. Now, I have always been short with my escrow balance even after I agreed to pay $51 more towards my escrow account since last November. It never happened before the refinancing and when Citi was still servicing me.

I truly believe the shortage is because of the $749.27 removed from my escrow account!

Cenlar had been mismanaging my escrow account. They have claimed my taxes to be nearly 2x what they actually are since August. I provided proof from my town of what my taxes actually where. The matter was considered settled on August, 22, 2019 however I continued to be given shortage notices and given an incorrect statement several times after. I was told by numerous staff my problem would be resolved yet here we are in December and the problem persists I was told it would be handled again but I have no confidence in the company and regardless I think something should be done I've read countless negative reviews on similar problems that other people are having and something needs to be done.

July 2019 a we received a check from cenlar for the amount of our july house payment din e the amount was less than what was due due to increase in escrow! We deposited the check and immediately sent them a check for the correct amount. Several days later we got insufficient funds charges and found out cenlar had put a stop payment on the check we'd deposited from them. Why? Nobody could explain! Multiple phone calls before they admitted they had gone this and "will let you know". Call after call... Promises to call us back... Nothing. Then check will be "processed" oct 9 but it will be 21 business days. Today is november 8 and nothing... Same story, same promises. We are retired, husband is disable vet, live on ss and 1 pension and no savings! We are using credit cards for groceries. And have had interest charges, insufficient fund charges, late payment charges! Not even a sorry from cenlar, no one cares because it's not them and they're getting their payments. Not one returned call regardless of promises! We're being held hostage!

I had a rough year and cenlar was my mortgage company. They would talk to me about refinancing I lost my job they would say they sent refinancing package it never came and if it did they would say they lost my package or information. They wouldn't allow me to make my payments they wanted me to foreclose and I did. I lost everything and now they do not have any information about my loan! They are a fraud company and ruining people lives!

Cenlar has my Insurance claim money. THe are giving us a hard time. They are totally incompetent and rude. I have no choice but to file a Lawsuit against them. I do not think we will ever get our money. I have sent them over 54 pages of documentation. They keep saying they did not get it. iI sent the documentation twice over their upload link, faxed it to them, and then sent it overnight. I have had my 50% inspection and the inspector said it was 80% done. They are supposed to send me half of my check. I will not hold my breathe.

On Friday, March 15 We lost our home to a fire, verifiable by a news story by news4sanantonio.com. Our insurance company, after dragging there feet issued a check for 174k in the name of mom, myself and wife.

We sent the check to Cenlar for release of approx 27k owed on the mortgage. Cenlar signed for the check on the 23rd of April, On our first Cenlar calls, Cenlar first tried to insist that we had no choice but to do a controlled build with them, after research and multi able calls they agreed to apply the amount owed, and refund the balance.

On the 7th of April we received a letter that explained that the deed was cleared Escrow accounts cleared and that the remaining balance will be sent out.

After not hearing anything back, we inquired on the 13th of April, and where told the check was in the mail, and again they told us the same thing on the 20th of April. They also told us that these things take time, and that this is normal business practice allowed by law, although for the homeless family involved this is not normal practice for us. Let your house burn down, and see how normal it is for you! This is not and should never be a normal business day for any business directly involved with victims of any disasters.

Its now 24th of April going into Memorial Day Weekend and they still use the "Check is in the Mail Excuse" Cenlar is intentionally holding over 145k for a family that desperately needs a home, and money that does not belong to them.

Its my belief that Cenlar has intentionally held on to our funds, and demand not only an immediate Disbursement, but also the interest, and pain and suffering that they have caused us, by lying to us time and time again, and intentionally holding our funds.

Our mortgage was sold 2 CenLar from Citi Mortgage and it has been nothing but pure headache. They list customer service phone numbers but you never get a human; not to mention post charges to your account with no details; no mailing address listed anywhere on their website for mailing payments and when you do eventually get a human months later they are useless.

I have been trying to assume my home loan following my divorce. I started the process in late August 2018 and as of February 16, 2019 have been unable to complete the assumption. I will admit that I left out a few items from the information I was supposed to send the first time I sent the assumption package to the assumption department. However, I was supposed to hear back within 10 days if anything was left out. I did not hear from Cenlar for over a month. Since then I have been asked multiple times to send more and more information in order to complete the process. Some of the same information has been requested and sent multiple times. Because they will not allow any information to be sent or any type of correspondence to be made via e-mail or fax everything must be sent through the mail. I have tried sending things overnight mail and priority mail in order to expedite the process. I have called multiple times to see what is holding things up. When I called over 2 1/2 weeks ago I was told I would hear something within a week and I have received nothing.
In the meantime I am unable to comply with my divorce agreement which states that I will have my ex-husband's name removed from the loan. Luckily for me he has not called me back into court although it would certainly be within his rights.
My W-2's alone should show that I can afford to assume the loan. Also, I have been making the payments for over a year on my own. This whole process has been ridiculously frustrating.

First year we have to home loans with Cenlar. Needless to say there was two different policy companies and they pad the wrong one and never bother paying the right one which resulted in cancellation of our policy for none payment. We didn't have coverage for nearly a year unknown to us. Their excuse the property address was too small on the invoice. Which it wasn't. Tried to fine us for not having insurance which was their mistake until I threaded to get a lawyer. You would think they learned their lesson. I had to get my own insurance again which is hard because they want to charge more when their was no coverage on property. Well this year they didn't bother to pay the insurance once again said they never got the declaration. Call insurance and they sent it. When called back new agent said they did received it but had so many loans to pay the policies and hadn't yet. But it didn't stop them from sending a threatening letter saying they was going to purchase insurance for the property at a substantial amount. This company is a joke. Praying my loans get sold. Stay away from this company at all means.

I was never informed of my increase in mortgage due to taxes I have been paying 292.toward my escrow..ended up in the negative..April of 2018.here it is now oct and they have not fixed my new payment plan by FHA law it's suppose to be paid on 12 months .my mortgage went from 1335..to 2081...really I have no problem. With paying my taxes they cenlar vit damit fiz my problem I have 215900.home how am.i paying more than my neighbor who own a 245000.im frustrated and pissed they won't give my new payment ..I'm so over it now I gotta file a loss migation and pray I do t loose my home

The reason I'm writing to you today is because I feel that "cenlar" never gave me the opportunity to fill out a loan modification package. They always made everything so difficult. I called requesting a payoff. You had to fax your request to a certain number for your pay off request then it would take 3 days to process. Then I requested a loan modification package which was faxed to another number. It also took 3 days to process. At one time they asked if my martial or income status had changed. I thought what does it matter. I'm labeled as a non- married, single, bankrupt woman. I did not receive the loan modification package but I surely did receive the payoff statement. I still would never get all of the information that I was requesting. They would send me a payoff statement yes they would but, they never would send me a loan mod packet. No one ever tried to correspond with me! No one ever reached out to me! No one ever followed up with me! No one ever tried to lead me in the right direction! They don't even have a local office that you could go into to speak to someone face-to-face! I had never been a home owner. I didn't know what I was doing. I just knew I didn't want to lose my home. I had invested so much into this house. My house was sold to me for $275, 000. I put down $75, 000. My Loan with them was for $197, 000. My balance is $192, 000 well at least that's what public records was showing me. My statements were saying I owed $245, 000. How was I ever gonna catch up? Never of course exactly what they wanted. Every time I called them it's like they always made everything so difficult to get what I needed at that moment. "cenlar" claimed that I was still showing as an active bankruptcy which I was not. I had to get my attorney to send them a letter on numerous occasions stating that I was no longer an active Bankruptcy case to please help my client with a loan modification or any of the other programs she may qualify for. Then I would call them back to see if they received the aurthorization form sent by my attorney and of course they had not and when they would they stated it could take up to 7 business to post to my account. I had to call the Attorney they had and send them a copy. I was back and forth with them and their attorney. I received numerous letters from their attorney saying how much my reinstatement fee was $60, 000. My mortage had also increased from $1, 295 to $1795 since this first started they know I've been requesting a loan modification package. Now you want to increase my mortgage. How am I supposed to catch up? Never... Excatly what they wanted. I'm not giving up!

My husband and I purchased our property in January 2016 with Primary Residential Mortgage, after a few (4) months they transferred our loan to Cenlar. With Primary mortgage our escrow was at a surplus of $3, 700 which was required at the time of our closing. Then Cenlar took over, when Cenlar did their first escrow analysis, according to them, we were at a shortgage of $3, 200. So we paid our shortage in full and our mortgage still went up $268. Now, February 2018, I receive this year's escrow analysis with another shortage of $3, 768.10 in addition my monthly mortgage will increase $55. I am again having to use my income tax refund to pay for this shortage. Cenlar claimed that more funds were paid for house hazard insurance than what was actually paid-according to my home hazard insurance company (People's Trust). I faxed Cenlar the house insurance documents, but they did not reply, when I call, they tell me they have 30 days to investigage, just like last year. However, no one from Cenlar ever helped me. I do not know where the over-payment of house hazard insurance went. Again, last year, according to them, they paid over $6, 000 for my house hazard insurance; However, my house hazard insurance was only $4, 001.00 . Cenlar tells me that it will take 30 days in investigate, but this has been going on since last year's escrow shortage and they never gave me a response. The same theft is occurring this year. If I don't pay the shortage I'm afraid they will do something worse or that I will lose my house. I don't know what to do. I'm not getting any answers from Cenlar. This company is full of thieves. My mortgage payment started at $1, 685, which is a fixed 3.75% loan. Next month it will be $2, 050.55 for the rest of this year. I don't know what to do, this company has even hung up on me when I call to inquire. Horrible situation! Please any advice! Also, on several occasions, I have faxed a letter requesting to be removed from Escrow, but no reply from them and nothing gets done. I have been told to refax the letter over 10 times and I have.

My mortgage was sold to Cenlar MTG company. Since them I have been having problems with the escrow account. My property is in a Flood zone. When I sing for my mortgage I advised the mortgage lender I will do my own escrow account to avoid the big number and always been short.
Next sing, Cenalr are forcing me to have an escrow account. I contact FEMA, and they do not have any regulation in regard that. Finally, after few month writing, I place a complain with the BBB. After that was able to negotiate the escrow account not to have to paid additional month. This is my first full year. The flood renovation came for $850.00, I have on my escrow account $885.00. Cenlar stated II am short for $35.83. Call them, they what to have one month extra for a total of $920.83 in the escrow. Reason I want to do my own escrow, no matter what, we are always short.
Cenlar, like every other mortgage company wants to have one to 6 month escrow, money they use for there own benefit.
This company do not care about the customer. I Google the company and multiple complain web page were found. Not a very good company to do business. Need fed to monitor this company.