Cenlar
Reviews and Complaints

Is there any Class-action suite in the works against Cenlar? This company has misapplied the paid monthly mortgage payments and now claims my family member is delinquent in their mortgage and is now in foreclosure. Has anyone out there been successful in fighting this company?

This company is out to take our homes and this pandemic helped them with this forbearance they are not following the governments protocol. The cares act forbearance was to help us keep our homes from a foreclosure.

I have gone through the exact same thing with them. I was diagnosed with breast cancer and due to that I was out of work and accrued extra medical expenses. Requesting a loan modification they put me on a forebearance and told me after that they would see which program I would qualify for. I completed that and tried numerous times to get these ignorant, insensitive [censor]s on the phone but held on for an hour got passed around and then finally disconnected. Finally got a person on the phone and was told they were still working on it, continue to pay the amount of the forebearance. This went on for another six months, I was notified of another forebearnce for the next 6 months. Again they told me it takes a while, continue to pay until you hear something. Called back on the last month of the forbearance and demanded to know what the hell they are doing. They told me, dont send anymore money in, put it aside until they made a decision. OMG, are they kidding, sure I am willing to do that so they can take my house. Not a chance. I re-sent another packett to them. Told them I am sending my regular payment in and expect to hear something in the next few weeks. Meantime I have an attorney ready and will go to the media about these a holes. They have some kind of scam. I am sick of them and hopefully can expose them before they have everyone living in a box. MD

I am going through the same thing with Cenlar. After hearing on the news that the government was trying to help keep foreclosure's down. I called and the woman I spoke to was very helpful. She had suggested I call my mortgage comapany and request a loan modification with my situation there should be no problem. I then called Cenlar and requested a loan modification after I received that advice from the government. My husband passed away on November of 2007, a few months later I lost my job. I started the modification process in March of 2008, after sending many application packets per Cenlar's request either they did not receive it or it is in review. I then received a letter from Cenlar in April Of 2010 that they placed my mortgage payments on forebearance probation to pay half of the monthly payment for three months with a certified bank check and must be received on or prior the first of month until July 1st. After that trial period they will review my account for the modification. I have sent every payment and on time. Three months have passed and nothing from Cenlar I called them every few weeks on the status of my application, their response was it is in review and to keep sending the same amount until I recieve a letter from them. Now six months later I receive a letter from Cenlar that my modification was denied and I owe $15, 000.00 of back payments or they will start the forclosure process. For the past 2 years I am still sending the same information over and over again and getting nowhere they are just playing games and I don't believe anything what Cenlar states. I now reported them to BBB and speaking with an attorney to avoid foreclosure also to investigate if what they are doing is legal. I hope and pray that Cenlar gets a penalty for taking advantage of the consumer. MT

I am going through the same thing with Cenlar. I sent not one but two completed packages to them and have a letter from January statiing that they had the completed pacakage (2nd) in January. By March, I had heard nothing nothing and was now totally without resources except for unemployment and a small social security check. My mortage payment eats up almost three quaters of monthly income. Cenlar told me they had only received the completed package in March and I asked them how that was possible since I had a letter from January stating they had the package. They then said that they had my request in the wrong department and had not realized I had an FHA loan. As of today, now going towards the end of May, they have done nothing more to advance my loan modification. I have told them that it looks like they are looking for this senior citizen to go into foreclousre. Their answer today was
"Well, you have a right to think what you want. " And yes, I did ask for that person's name and suddenly I was disconnected. Professional? My next move is to call my attorney and tell him what is happening. I am sorry there are others going through the same experience. cdw.

i want to registration to pay my loan Account

Dorothy...your monthly payment will fluctuate depending on if your taxes and insurance increase. You can always submit a written request asking your mortgage company to remove your escrow and then you will only pay your principle & interest to the mortgage company .

If they approve your request then you will be liable for paying the taxes and insurance and BE SURE TO SEND PROOF OF INSURANCE EVERY YEAR OTHERWISE THEY WILL PURCHASE A POLICY ON YOUR BEHLAF. As your mortgage company they have a vested interest in the property and if they fail to receive proof of insurance they will purchase it for you. Just be happy that your not with Ocwen Loan Servicing, LLC, now that company sucks and should be shut down by the government.

Cenlar is a shady operation! I went through a divorce and notified Cenlar that I was awarded home and all rights to escrow and home (as well as being solely responsible for mortgage). They issued an escrow check in both my name and ex-husband's name. I called to remind them that I can't cash a check with his name (no contact with ex). I then asked could they apply my escrow to my payment. They cancelled the check and told me yes. A few days later called to verify and was told by another rep it hadn't been done yet. After staying on hold, he assured me it was done and escrow was applied. After a month goes by, I began receiving calls from Cenlar. They had not applied the money and was penalizing me for non payment of mortgage. I called...and after many representatives and escalating my calls (of course when you ask for supervisor they just transfer you to another rep) I was told Cenlar does not allow for the application of escrow to mortgage payments. After being assured that I was talking to supervisor and staking my claim, the supervisor assured me that he would make the exception and that the escrow would get applied. Another month went by and a woman came to my home with paperwork for foreclosure! I was livid! After trying to come up with an extra payment, I paid to get out of that threat. I called and called and each time I received a different "lie" from oh yes, we will get that applied to no one should've told you that. SO finally, I was told to fax in my divorce decree (again) and they would simply reissue the escrow check in my name only. Fast forward one month, no check. Representative confirmed fax received and stated prior representative didn't do something on their end to get the check sent. She guaranteed she was processing request and would request that the check be sent expeditiously. She stated if she couldn't get them to ship check express shipping that I would receive in 5 to 10 business days. Another month go by and I call again. This time I was told that even though they
have my divorce decree, they won't send me my escrow. They stated they don't honor that and I will have to sell or refinance my home. I am done with them and the lies they tell. I've gotten so much of a run around that it goes beyond a customer service representative error. For every issue one rep says yes and another says no. I don't know that they have any clear procedures and rules in place. I am now seeking legal help. I have had negative reporting to credit, threats of foreclosure, rude representatives, false information, and holding my $$. All of this causing me stress and the threat of financial strain. After reading story after story, I am convinced this company is engaging in fraudulent practices. I plan to sue. I don't even want thousands...although they should pay...but I just want my escrow money and to put my account status back to A+ like it has been since I've been in the home. They don't care about customer satisfaction or rights. Thank you all for posting your stories. There is power in numbers.

It sounds like I could have written everyone one of these complaints. CENLAR is trying to steal our homes and looks like they will get away with it. if we don't do anything. Pleaese don't give up. Read all you can read and educate your self. Read the complaint from lightninJack. Makes sense. My email address is 10linda47@att.net if I can be of any help. Get an attorney, a good attorney, and ask that you be reimbursed by CENLAR for any monies out of pocket it takes to clean this mess up. Will add ya'll to my prayers.
GodBless.

To Mrs. Fixit, this is almost exactly what happened to me and let me tell you, it has been a mess. I contacted numerous people, BBB, States Attorney, The Office of Thrift Supervision, even the media, I got NOTHING! The BBB talked to Cenlar, Cenlar talked to them like they had everything covered and under control and the BBB said case closed, same with the Office of Thrft Supervision, they said it looked like the BBB took care of everything so case closed. What a joke! Long story short, when my loan was being switched to Cenlar, they never sent the letters to me that they were supposed to back in August 2009, when they finally got their act together, they sent a letter as to when and where to send my October 2009 payment. Then in April 2010, they started sending letter upon letter, with several of them being certified that I was behind on my payments, finally after all of this BBB stuff and the Office of Thrift Supervision, I ended up having to pay what they said I supposedly owed them. The stress was too much for me, I unwillingly did it. I would highly recommend stopping the automatic withdrawal, they will take more money then what they are supposed to, but good luck with that too.

My former mortgage company Guaranty Bank sent me a letter in September 23 2010 stating there was a sale or transfer of the servicing of my mortgage loan. My new servicer must also send me this notice no later than 15 days after the effective date or at closing. My new servicer is CENLAR, FSB. I immedistly called the number for CENLAR to find out when and where my mortgage is due and should be sent. At that date in time they did not have my mortgage in their system because the transfer had not taken effect yet. Aletter dated October 13, 2010 "notice of transfer od Servicing " was sent out by CENLAR and subsequently received by me shortly after. This letter gave some contacts numbers but no mortgage due date info or where and when it should be sent. I called customer service on 10/29/2010 and Peter (from India) was my representative. He told me to mail my payment to the P.O.Box in Newark, NJ. he assured me that there was a grace period because of the servicing transfer. he also took my request to have paperwork sent to me for an automatic withdrawal from my checking. I sent the check with a letter accompanying it as I was instructed. On November 10, 2010 I received the Automatic Payment Authorization form and immediatly sent it in with a voided check. November 15, 2010 I received a phone call telling me I was 2 months behind in my mortgage. I also received a letter regarding my adjustable rate loan payment. A letter dated Nov. 15, 2010 also was received describing legal rights and protections under the SCRA. Yet another letter dated Nov. 15, 2010 stating that i am entitled to counseling to discuss the delinquent status of my loan ! Then 2 more letters dated Nov. 16, 2010 CERTIFIED stating that I have defaulted in my obligations of my mortgage. So I made a phone call Nov 16, 2010 making an electronic transfer for 2 months mortgage payments. Meanwhile the check I sent to New Jersey has been cashed and my auto pay authorization should be starting tomorrow December1, 2010. This company has it's head up it's butt. I have never seen such a mess of paperwork that is il-timed and could all be avoided if they knew what they were doing, but obviously the departments are not communicating with one another. So far they have $843.60 of mine too much. Tomorrow they may take an additional mortgage payment and they will still have my extra money. This company has driven me to writing this and i will probably write to the State Attorney general as well as the CEO and anyone else I feel is relevant! You know someone once told me for every letter someone has taken the time to writew there are probably 100 that never get written. I'm certain this is true with this company. In this economy to make such a mess of a transfer of servicing they should be fined! Thankls for reading this and i hope i motivate you to document other situations this company has been guity of! These people eat up so much of good peoples time because of their companys inefficiency it drives me crazzy!

I am going through so much with these people but I'm sure you understand. I have contacted the IL Attorney General's office, I filed a complaint with the BBB, I have even contacted the CBS Investigative News Team in Chicago. I'm in the process of contacting an attorney, I know several that will help me, I am also going to file a complaint with www.ustreas.gov, congress.org CBS On The Money and the Federal Trade Commission. This is plain and simple...FRAUD and something needs to be done. It's not fair what they are doing to people. Keep me informed what happens on your end, and I'll do the same.

Ok heres the deal. Cenlar is a loan servicer which means they only service the loans and they service loans for more than 80 different mortgage lenders. Cenlar does not own the loans. If you were a Taylor, Bean & Whitaker customer then theres a good chance that you may not have received credit for a payment made during August or September 2009 if you made the payment to Taylor, Bean, & Whitaker. The problem is there that money tied up in the Bankruptky court and until the money is released then Cenlar's hands are tied. It is up to the investor "Freddie Mac" who owns the loan to authorize Cenlar to corporate advance (apply a credit for missing or unapplied funds). To all homeowners if ther is an issue unresolved with your mortgage company or bank you simply write a detailed complaint letter and send a copy to the company, OTS (Office of Thrift Supervision), OCC (Office of Comptriller of Currency, Attorney General Office, and your state Bank commissioner. I guarantee you will see results

somone needs to do something about this nasty Cenlar Bank! we have contacted them regarding the fact that we cannot afford our home loan anymore...we have tried 2 loan midifications and have not accepted any of them! I am so upset with these people...I finally stopped giving my mortgage payment! They can shove this loan up their greedy [censor]! I am sick and tired of getting walked all over! these people are stealing my money while they are having a good time spending it?! Well screw them! I believe in Karma and what goes around comes around! and since they are screwing so many people, then it is going to hit them twice as hard! SCREW YOU CENLAR!

I did have Taylar bean and whitker for my mortgage then I get a letter that said to send my payments to Cenlar. I did not know who the hell Cenlar was. Then I found out by getting on the internet that Tayar bean and whitker went bankrupt. It took them a year to send me a booklet to send my payments to them. In the mean time i payed my monthly payment to Cenlar on time as always. Then in September my Home Owners insurance was due. I did not ever have an Escrow account so I payed my home owners insurance like I have always done to State Farm. A week later I received a letter stating that my home owners insurance had been cancled and they sent back the money that I had payed State Farm Insurance co. I then called State Farm Insurance and asked what the hell was going on. At that time State Farm said that Cenlar had payed my home owners Insurance for the whole year. I had been paying it twice a year. So I then called Cenlar and talked to a man named Howard and asked them why they payed my home owners. After all I do not have an escrow account. The man said that it was a one time deal for the people that had Tayler Bean and Whitker that they was paying their home owners insurance. I said are you sure because I did not have an escrow account. he said yes. I did not want to spend that money if Cenlar would want it back.
So now it is September again one year later and I called my insurance co. and told them not to receive any more money from Cenlar. I called Cenlar and told them that I do not have an escrow account and for them not to pay my home owners. They told me at that time that my Escrow account was in the neg. and that I needed to send them the money that State Farm had sent back to me. I asked them why they payed my home owners if they had my paper work they would have seen that I do not have an escrow account. They said they had made a mistake and that I would have to send them that money that they had payed State Farm Insurance co.
I told them that i was not going to send them any money and they told me that they would tack it on to the end of my mortgage any way.
Is there nothing I can do about this. I asked them why I should pay for their mistake. No answer.

Cenlar is part of Freddie Mac. I found this out when they took over my mortgage from a local bank the US Government shut down. Someone at the Freddie Mac office in Atlanta finally told me the truth about who Cenlar, is when I kept asking questions. We have had nothing but trouble since they took over our mortgage. A few of the problems we have had include bogus fees, failure to process changes, failure to process payments, incorrectly directing us to make our payments to another company then telling to disregard that and continue paying them, etc. Not only are all their screw ups likely to affect our credit rating but the worst thing is that we are stuck with them, due to the fact that our mortgage is upside down since the mortgage market crashed last year. I am just sick of it!

I know if you are having problems like I have been experiencing then there is probably fraud taking place. I am sick of it and the representatives working there. This is a fly by night company who is robbing the consumers of TB&W (Taylor, Bean, and Whitaker). They are trying to increase my fixed mortgage up to 40% higher than I ever agreed to. Please contact your State attorney General and the Federal Trade Commission to report your story because they will investigate.

Federal Trade Commission
600 Pennsylvania Ave. NW
Washington, D.C. 20580
Phone: 1.877.FTC.HELP (1.877.382.4357) or 1.202.326.2222
TTY: 1.866.653.4261

I went through the TB&W bankruptcy too. Sent to Cenlar where I can actually say was not a problem for me. The problem I had was that a payment sent to TB&W at transition is tied up in bankruptcy. Cenlar was kind enough to credit my account. 6 months later they sold loan to Ocwen(the devil). They did not honor the lost payment. Fought with them for 6 months to no avail. Even organized conference call with Cenlar and Ocwen. Ocwen said they didn't care and to pay. I continued sending my regular payments until one day they started sending my payments back to me. REALLY. They said that they would not accept any payment unless it brought the loan up to date, including disputed payment. They did this for 5 months and began foreclosing on me. To keep from having to sue them and possibly lose my home I dished out over 3500 bucks.(my payments are only $500/month. I thought that would be the end of it until a month later when my monthly statement had $745 worth of foreclosure fees tacked on to my bill. OMG! Ofcourse I'm right back where I started. I just wish Ocwen would sell my mortgage to another lender before they bleed me dry. If anyone else has a story similar to this please share. Thank you.

The creeps at Cenlar jacked my mortgage payments from $559 to $895 and I can't afford to pay! Reason given when I called? TBW under-estimated my taxes so the difference will go to escrow. Other people got other stories about their insane hikes in mortgage amounts. This all smells like a pretty sweet scam!
What can we do?
- File formal complaint with attorney general, your state.
- Find out if another can be filed with their own state, which is SC as far as I can tell.
- File formal complaint with BBB online -- there's another 80 there waiting to be read.
- File complaint with the FTC, which possibly has a website corner for it, so no need to call them.
- Issue a call to lawyers who'd like to gather all of us in a class action suit against these thieves.
- Check out the site, Pissed Consumer, and lots of complaints, to which you can add your own by pasting your experience from here, to there.

Cenlar placed a forced insurance policy on my
mortgage after my insurance company had sent them 3 request for payment. After they forced the policy and depleted my escrow account, they paid the insurance, but wouldn't refund the forced policy amount of 3500.00. After a few months, I tried to change insurance companies and they again didn't pay that one. I was told that after my current insurance received notice of new insurance, that it would take affect. They failed to pay that insurance and it went into another forced insurance policy. They depleted my escrow again. I fought with them numerous times on the phone. They did not refund the cost of the forced policy. Today, I received notice that my escrow was short funds, and they are going to raise my house payment. Really... that is a no brainer. Cenlar are such crooks... They are as bad as the IRS.

My mortgage was paid in full on Jan.11, 2013, & I have been trying since then to get my refund on the unused portion of my homeowner insurance
in the amount of $3062. Cenlar has used every lie in the world as to why I have not recieved my check.Their representatives are
useless.I really believe Cenlar's intentions are to give me the run around until I give up and go away. I have contacted the Comsumer
Protection Agency & have not heard anything from them.I am considering filing a complaint with the fraud dept.of the FBI .I really believe Cenlar is commiting fraud and should be shut down.

From a fustrated citizen.
I to am a victim of Cenlar, they have been charging me for homeowners insurance, when I have been paying this on my own. When I contacted them that they owed me $1, 804.00, they told me that they had never received the proof that I was making the insurance payments on my own, I faxed them the paperwork seven times and my insurance company sends them a copy also, but they still were charging me. I called and they said they would review my loan and send me a refund check. I told them that it should be for $1, 804.00, but they only sent me a check for $180.91, and told me that I would receive another refund for $450.52. I have not received the other refund check and I called them and they said that they had mailed a check for $335.00, which is a far cry from $450.52. This is still not the $1, 804.00 refund that they owe me. They said that they could not send me the $450.52 refund because that would make my escrow short $75.00. Well if you subtract the $335.00 from $450.52, they kept $115.00. Why not just subtract the $75.00 that they said was short, instead they took $115.00.
I keep calling them and ask to someone who speaks English and all I get is someone that cannot speak English. When I ask to talk to a supervisor I get the same person that I was originally talking too.
This company needs to give everyone back all the money that we are owed. Also every year it seems that my payments go up by $200.00. When I was with TB&W my payments were $378.00 now I am paying $476.66. Never had any problems with TB&W and I have another mortgage company that I deal with and they never say anything about an Escrow account.
It is time that we put this company on an action law suit.

I know if you are having problems like I have been experiencing then there is probably fraud taking place. I am sick of it and the representatives working there. This is a fly by night company who is robbing the consumers of TB&W (Taylor, Bean, and Whitaker). They are trying to increase my fixed mortgage up to 40% higher than I ever agreed to. Please contact your State attorney General and the Federal Trade Commission to report your story because they will investigate.

Federal Trade Commission
600 Pennsylvania Ave. NW
Washington, D.C. 20580
Phone: 1.877.FTC.HELP (1.877.382.4357) or 1.202.326.2222
TTY: 1.866.653.4261

Cellar has escrow policies around flood insurance that are flat out scams. They require more insurance than the previous mortgage holder, then try to make you buy the additional through them and only through escrow. They are a nightmare to communicate with. We are taking an active role in fighting for our rights. Hope every Cenlar “customer “ pays close attention to their loan. Cenlar needs to be stopped!

Tsta1 I am currently unmasking Cenlar I have proof of how corrupt they are. Contact me to viriloewy@gmail.com I have a plan of action and I'm asking people to join me and fight against them if we all raise up they will have to bow down. This is a form you can use to send to them by law they have to send you all of these forms and that way you can find out if they are screwing you.

QUALIFIED WRITTEN REQUEST UNDER THE REAL ESTATE SETTLEMENT AND PROCEDURES ACT

Date

CERTIFIED/RETURN RECEIPT

Servicers Name Here
Servicers Address Here
City, State Zip Code

RE: Loan #:
Property Address:

Dear Sir or Madam:

We are writing to you to dispute the amount you claim is owed according to the monthly billing statement and because we are uncertain as to who the current holder and owner of the original note and deed of trust is due to the recent issues concerning people signing transfer documents without knowledge or authority to do so, resulting in foreclosure moratoriums in many instances. We request that you send us information about the fees, costs, and escrow accounting on our loan as well as information concerning the holder and owner of this mortgage loan. This is a "qualified written request" pursuant to the Real Estate Settlement and Procedures Act (section 2605(e) ).

We request the following information:

1. A complete payment history which lists the dates and amounts of all the payments we have made on the loan to date, and shows how each payment was applied or credited (whether to principal, interest, escrow, suspense, or some other treatment);

2. A breakdown of the amount of claimed arrears or delinquencies on the account, including an itemization of all fees and charges you claim are currently due;

3. The payment dates, purpose of payment, and recipient of any and all foreclosure fees and costs, if applicable that have been charged to the account;

4. The payment dates, purpose of payment, and recipient of all escrow items charged to the account;

5. A copy of any annual escrow statements, and notices of a shortage, deficiency, or surplus, sent within the last three years;

6. The current balance in any suspense account and the reason why such funds were deposited in the account;

7. The name and address of the owner of the promissory note secured by the deed of trust in the mortgage loan referenced above;

8. The name and address of the entity that is legally the "holder" of the promissory note secured by the deed of trust in the mortgage loan referenced above. If your answer is the same as your answer to #7 above, you may simply reply "same as #7";

9. The names of all entities to which the promissory note referenced above has been sold or otherwise transferred at any time, and the dates that each sale or transfer of the note occurred;

10. A copy of the note referenced above showing all endorsements that have occurred, together with any allonge that exists to the note;

11. The names of all entities to which this mortgage or deed of trust has been assigned, and the dates that each assignment occurred. If any assignment in blank has occurred, include it in the list of dates with the notation "In Blank" in place of the name of an entity;

12. A copy of each of the assignments reflecting each assignment referenced in #11, above;

13. A description of all loss mitigation and foreclosure avoidance steps taken in regard to this mortgage loan, including all calculations concerning debt-to-income and net-present-value determinations and all documents regarding loss mitigation and foreclosure avoidance steps taken;

14. All initial and final loan documents both signed and unsigned including, but not limited to, the 1003, GFE, TIL, Appraisal, Mortgage Broker Fee Agreement (if applicable), etc.

Please send these requested documents to:

Thank you for acknowledging and answering this request as required by the Real estate Settlement and Procedures Act (section 2605(e) ).

Sincerely,

In Nov of 2015 my Mortgage was sold to Cenlar at the time my India friends at the old company made a mistake and started taking unauthorized tax payments of $116. I paid them back in full plus $80 for the 2014 taxes and then sent letters in telling them to stop. I then paid the 2015 taxes direct to the state. When Cenlar took over in Dec- I waited to pay them for Dec and January as I was trying to change the new requested payment not to include taxes. They made me pay Dec and Jan even though Dec taxes had been paid in full and proof was sent to them of this, telling me that if I paid my February bill would reflect the credit. Well now I cannot get them on the phone and when i do they just tell me I have to send in the same letter they already have. I feel scammed and I was robbed at the very least for the De tax payment, and I am not sure that me taxes will even be paid this year.

I'm in California and although I was never with the other company mentioned in all of the above complaints everything else sounds similar. About two years ago I was told by Cenlar that there wasn't enough money in my escrow account the previous year due to an increase in my property taxes and additional flood insurance required. When I asked why they didn't inform me that I needed to pay more per month during that year I was basically told their system automatically pays the additional monies needed and that there isn't an actual human being checking these things. They said they didn't charge me enough that year so they covered the additional payments and I owed them about $1400. They raised my monthly payments by about $200. When I informed them that I couldn't afford to pay the new monthly amount they stretched the amount "owed" out over two years to reduce it a little. I think next month will be my last payment so my monthly payments should go down. I have been struggling every month for the past two years and now to find out that this may have all been a lie! I will definitely be looking into this further and filing a complaint with the recommended agencies if need be!

I wasn't originally with TBW but with First National Bank of Camdenton, Missouri, local bank with smiling faces and accents that could be understood. The feds ripped the servicing of loans from this bank for something and off to Cenlar it went. What a nightmare. I am an accountant, have seen many escrow analysis statements but never have I seen anything so screwed up as the one they just sent me on my own loan. They showed hazard insurance coming out of my escrow acct in back-to-back months (It is paid once a year) and of course with that error now I'm short on escrow funds. So my monthly payment goes up $65 a month. I can understand errors but I can't tolerate the people who won't listen to you when you try to correct it. JAMES (accent from India) kept repeating the same nonsense in lieu of listening to me when I explained the error. James could have been a robot because his programmed responses had nothing to do with the concern of my call. Finally I asked for a supervisor and 15 minutes later Rachel (Oriental accent) comes on and initially kept talking over me until I was finally able to get it across that hazard insurance should only be paid once a year. They recalculated my payment (It's still too high) and promised to send a new escrow analysis to back up their new figure. I can't wait for another blood pressure rise when I get it. This company should be shut down. Hundreds if not thousands of complaints and I wonder how many more people, who don't understand escrow analysis, are paying way too much in these tough times.

We are having much the same problem and were also with TBW. We were told we'd missed a payment and when we sent proof of that months payment they changed the month - three different times - changing the month every time when we proved payment. They've increased our payments by almost 300.00 a month and will not give an expaination for it. They keep saying were are behind in payments and mention forcloser and want us to refinance with HUD. We do not have a HUD contract and are not behind in payments. They want an immediate payment of over 2, 000.00 to bring our account up to date. The amount increases every month with no explanation. We cannot talk to anyone as they are not able to and when asked to be transfered to someone who can they say we have to write to another address. No response from them. But still 3-4 letters per month requesting past due payments. I am sending one more letter and also sending copies to the above places stated to file complaints. Thanks for this information

Everyone here needs to go to Google and type in Taylor, Bean and Whitaker and maybe they would be a bit more informed. TBW closed not because of bankruptcy. They closed because the FBI shut them down for FRAUD which is the first thing you will see when you Google. And to add injury to insult they had hundreds of refinanced loans where they never paid off the 1st (which is the rule and the whole point of a refinance) so, when they shut down hundreds of people had 2 mortgages in their name. Cenlar and all other servicers where these loans were transferred are trying to sort the mess that TBW cause. IF you go to taylorbean.com and click on the link for the borrower protocol (the bankruptcy papers from the bk court) you would see all this information that they left up there for borrowers to access (which obviously no one is doing). Here is an excerpt from the BK papers:
ISSUE 2: TAX AND INSURANCE ESCROW REFUNDS
16. In the ordinary course of its business, TBW collected tax and insurance payments
from borrowers, which were typically included as part of borrowers’ monthly mortgage
payments. Any unused escrow amounts were returned to borrowers at the time the mortgages were paid off or when required escrow amounts were re-calculated (and an excess deposit was on hand).
17. After the implementation of the Colonial administrative hold on August 5, 2005,
TBW was unable to make escrow refunds to borrowers who had paid off their mortgages or who subsequently did so. As of the filing of this Motion, approximately 3, 000 borrowers are owed escrow refunds.
There is also a place for you to enter your or information to see if you are part the 3, 000 borrowers that are owed escrow refunds.
Now I do not agree with the customer service being outsourced to India because I am sure every American is tired of this. They can’t answer your questions because they do not know them. They are not mortgage professionals they have no clue as what they processes are. (If you do not want companies outsourcing you need to call and complain) Servicers are required to do an escrow analysis maybe a couple of time of year. Once they do the analysis anything that is over the amount that is needed in the account should be refunded to you. However, if you are not making monthly mortgage payments your escrow account will go negative and the servicer has to pay the escrow funds for you if a disbursement is due which means you will have to pay the servicer back. Since many of the TBW customers could not make payments due to the BK and the loans moving to different servicers. You would have to bring your account current (paying the escrow that had to pay back) then you can get your overage. TBW was also collecting payments when they should have not and did not record some payments as paid that is why your servicer said you didn’t pay because that is what the transfer records state from the prior servicer (TBW). All of this has come from TBW not any of the servicers that have had to take on this gigantic mess. People need to read there disclosures when they apply for a mortgage and they need to do their research so they are more informed stop leaving it up to others to give you information. If everyone was more informed companies likeTBW could get away with doing the things that they did. This is the problem with America we are just letting all of these corporations do as they please but we keep entering contracts with them and suffering in the end. BTW they knew about this fraud about 10 years ago. If servicers or investor would pay for qualified professionals everyone who had a complaint on this page would have been told this but, they only want people from India who will work for $1 an hour or under qualified cheap American laborers who know nothing about the business.

File complaints with:
Office of Thrift Supervision
1700 G St NW
Washington DC 20552

referred to me by:
New Jersey Office of the Attorney General

also complain to:
New Jersey Dept. of Law & Public Safety
Dept of Consumer Affairs
PO Box 45027 Newark NJ 07101

referred by:
State of New Jersey
Dept. of Banking and Insurance
Division of Banking

These are interested parties in all the shenanigans of Cenlar.

Please let your voice be heard and files complaints.

i am in the same boat. I have overpaid 2 payments through the transition of Taylor Bean Whitaker and CENLAR take over which CENLAR has records of and they still tellme I owe them for a month of non payment. Who do we contact to correct this mess. I have talked to 4 US people and numerous INDIA people to no avail. I explain to each, they say they see the error and non correct the mistale month after month.

Payoff for refinancing
This has gotten to be the biggest joke and worst company I have ever dealt with in mortgage management. I too was a former TB &W customer and was given to this group called Cenlar. Whenever I had questions and would call customer service, a babbling customer service person would get on the line and out of the first couple of sentences, I might understand one or two words they would speak. They all sound as if they are from India. Now I want to refinance my current home mortgage and all I need from them is a payoff. Simple right? No way. They say I can not have the payoff until I send them proof of mortgage insurance. Its to be noted that I faxed to Cenlars mortgage insurance department proof of insurance weeks before it was due. (I pay way in advance). Everytime I call or my attorney calls to get a payoff so we can close on the refinance, they refuse stating there is no mortage insurance on file. We have now faxed to them 8 times proof of insurance and even sent them copies of the canceled checks and THE POLICY. Because of their failure to add the renewal to their files, our closing has been put off two times already.
Now they want to charge me $19.95 to tell me what my payoff will be.
It is my goal in life now to tell everone I know and meet about this company and to aviod them at all cost.

It will be best for everyone who has had issues to really look at RESPA (Real Estate Protection Act). It will take time to resolve disputes with a stubborn company. But if the persistence is there and your facts are correct. Getting that big check from cenlar will be well worth it.

please do not take this as if I am telling everyone they don't know how to manage escrow. However it is important to realize that one should never depend on the bank to manage Escrow accounts. I am sure most would agree that proper handling of a checking account requires to reconcile and put items in your register that have been paid or quickens or whatever one uses.

The same is true with escrow. Estimate what your YEARLY expenditures will be (Hazard Insurance (Flood if required) Home Insurance, taxes, etc) Take the total divide by 12. It is important to understand a few things with escrows: As per the RESPA section 10 the servicer (Cenlar, or other institution) is prohibited from charging excessive amount for the escrow account. The lender CAN NOT charge any more then 1/12 of the total of ALL disbursements per month payable during the year..They CAN add any amount that was short from the year before. They CAN at their desecration add a cushion NOT to EXCEED 1/6 of the total disbursements for the year. Knowing this and knowing that as part of the RESPA the lender must perfom an escrow account analysis once during the year and notify borrowers of any shortage.. any EXCESS of $50 of more MUST be RETURNED to the borrower. (They can not hold it) Picture it like a BIG savings account----At the end of the year you will get BIG check from them if they are indeed charging outrageous amounts...

If they do not do this, then you will need to write a complaint letter to them FIRST, (Certify mailing) and they must ack the letter withing 20 business days. After which another 60 days from them to resolve or provide a valid reason for their position. If still they are violating any laws of the act then you may file a complaint with HUD (Housing and Urban Development. After which HUD, a state Attorney General or State Insurance commissioner may bring an injunctive action to enforce violations of Sections 6, 8 or 9 ( I have provided short info on section 6 which is relevant to most all complaints on this board)...

Keep in mind that Under section 10 which is Limits on Escrow accounts (1/6 and 1/12 talk)HUD as the authority to impose a civil penalty on loan servicers who do not submit inial or annual escrow account statements to borrowers.

Read up on RESPA and know where to file complaints... They will get addressed much faster then if you just phone or write a general office such as State Attorney General office. Go smaller before bigger.

Also, keep track ALWAYS (even if company is good) of what you are putting into escrow... Get copies of checks, and file them for your records. Checks are proof of payments...

But how do we deal with it? The same thing happened to me and I NEVER missed or was late with a mortgage payment.

the same thing happened to me.. I also am trying to deal with it.

Cenlar is a big bad dream threatening to take our home over escrow account ...no communication...bullies

12-31-09
I was turned over to Cenlar after TB&W took a nose dive. I have been trying since Sept. to straighten things out with my mortgage. I was on the Equity Accelerator program with TB&W, but Cenlar informed me that I could not continue with that until TB&W únfroze'' my money. So, I sent payments in to Cenlar. Just last week, Cenlar sent my payments back to me saying that they could not accept them because I was late. I have NEVER been late on my mortgage. I don't know what to do now. They wanted to do a check by phone, which I said no to, simply because they sent my payments back to me. If anyone gets any straight answers, please post them. Thanks.

I too am having the problems you describe, and, in addition, Cenlar is increasing my mortgage payment by $86 per month - my city taxes have only increased $34 this year.
I encourage everyone to file a complaint with the Attorney General of their state and get this company to either fly right or go away. I refuse to be the victim to these theives.

go to this website...
http://www.njleague.com/DirectoryFiles/Members/Cenlar.pdf
It has all the VP's, CEO's, etc phone numbers with extensions and e-mail addresses. I sent a e-mail venting my frustration (former TB&W customer also). They called me back in less that 2 hours. Bigwigs don't like hearing complaints. One of the contacts is an internal auditor/quality control. If you work for a large company you know they don't want him hearing that they have problems!
Good Luck!

This company needs the feds to investigate. My Taylor Bean loan also transfered to Cenlar. I am unable to establish contact, actually rang the operator and the operator disconnected me. Sent in my Sept. loan payment certified mail with return receipt and have yet to receive the receipt. This company seems like a scammer, I will submit my problems to Senator Cardin (Maryland). Advise all to do the same in their home state.

My mom's loan was recently switched to Cenlar, and she too cannot get anyone on a phone. This is ridiculous! The mortgage company will blame the homeowner's, wait and see. I would send a letter certified and express all of the above information, the way the mortgage companies send their notices certified.
Phone calls don't count, as far as documentation really, although I would keep a record of how many times you called, when, and which employee(get their id #) you spoke with(if you get a hold of a person). You shouldn't have to pay any late fees do to them being unorganized!
When people try to negotiate while mortgage companies are changing hands, they get screwed because the money clock for the bank never stops ticking, regardless if they answer phones or not. What an American Dream. Can you imagine owning a business, never answering a phone, just collecting checks with no accountability?

You have to stay proactive! Call and get help! For $35 prepaid legal can help you! They will write the letters and make the phone calls!

Call or email me...I can help you!

Jeremy Herget
[protected]
jeremyherget@gmail.com

Hola mi ipoteca esunited wholease mortgage ;4810 sw 10 th st ,plantation, fl 33317, loan numb; [protected] ,el mortgage no ha resibido nada , voy hacer un reclamo , quiero saber q esta pasando ,Gracias

Misleading information and process on additional payments for underfunded escrow (

Cenlar ruined my credit. Paid them off 2 years ago and now they are trying to foreclose my house.

Cenlar ruined my credit record and demands for foreclosure for two long years. I need to write a complaint but cannot find a template or an old complaint to use as example. Anyone could assist me with this? Thank you!

Cenlar is absolutely horrendous they are manufacturing default on my elderly parents for over a decade now. they relentless refuse payments, clear checks late, lose mail, ignore certified letters, disrespect attorneys and add ridiculous fees and so much more. they are facing a second bankruptcy to get them to back off! every attorney says there's nothing they can really do because it costs too much to fight them!

How can this be allowed so many years after the crisis? where are the reforms? there are thousands quietly suffering at the hand of predatory servicers in this country with no one to turn to. if you are an attorney or think you can help please reach out on here and publish your contact info. our silence and inability to unite is why they get away with these inhuman acts.

Cenlar are crooks. I sent them money to where the coupon said to send it, then was told they sold the loan and they will not give me my money back. My bank and myself has been trying to get it back since the 1st of August 2017

was recently contacted by a cenlar customer service person that said I didn't make my September 2009 Payment. Gee how long ago was this? It was when my mortgage was sold to them when my old one went under. I only found out they went under when my payment wasn't drafted and tried to call to find out why. That's when I found out Cenlar had my loan. after 2 weeks of trying to contact them...yeah a payment had been missed because i did'nt know who or where to send it to. Now they want me to come up with it or they will start reporting it to the credit bureau. Where the heck am I supposed to come up with the money after loosing my job in February? I had to move out and let someone else take over the payments months ago. Can't sell it. Can't do anything. They might as well just shoot me a get it over with.

Nothing upsets me more than a debt collector screwing over veterans that served our country!