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Cenlar
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78 complaints
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Q
2:58 pm EDT
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This review was chosen algorithmically as the most valued customer feedback.

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...

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B
12:34 pm EDT
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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...

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R
7:04 am EDT
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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...

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J
11:08 am EST

Cenlar - mortgage

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.

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J
10:12 am EST
Featured review
This review was chosen algorithmically as the most valued customer feedback.

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...

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R
1:43 pm EST
Featured review
This review was chosen algorithmically as the most valued customer feedback.

I've called numerous times to get my final insurance payment from Cenlar . My home had minor flood damage in Sept 2017, which has been repaired and inspected by Cenlar. Each time I call to get my money they always ask for something else, or state something will be mailed. I never receive any mail and each time I call is a different person, different...

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B
6:14 pm EDT
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This review was chosen algorithmically as the most valued customer feedback.

Information that I would have to offer was the fact that I was trying to get a loan modification. I was told not to make any payments for three months then they will do a modification for me after a year it's still had not happened and they were trying to foreclose on my house in fact they did. It cost me a great deal money with their attorney and their...

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J
12:28 pm EDT
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This review was chosen algorithmically as the most valued customer feedback.

One of the worst customer service experiences I have ever had to deal with. Started in March 2017. I had a roof damage hail claim and had to submit the check from State Farm so they could co-endorse the check. First payment of approximately $13, 000, no problem. Once the value of the claim exceeded $40, 000 (by only $7) every thing deteriorated. Cenlar...

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S
3:03 pm EDT
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This review was chosen algorithmically as the most valued customer feedback.

They took over my mortgage in July, 2015. What a joke. I took guardianship of my 2 year old grandson and had knee surgery which hurt us financially. We have a FHA Mortgage and through the Making your home affordable act, we completed that paperwork to apply for a Loan Modification. We were not going to vacate the home and leave the mortgage high and dry. We...

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R
2:44 pm EST

Cenlar - mortgage

I had Cenlar and I refinanced with another comp. It showed I had 1200. in escrow that would be returned to me...instead they somehow sent 1000. to PMI that they said the former comp. never paid. We called them and they said they would send proof that they paid it to Cenlar, They NEVER paid my property tax and now I have late fees and I can't get a permit to fix my house...still no answer as to where my money is. This company should be shut down and people arrested for messing with our money.

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R
8:53 pm EST

Cenlar - whole staff is a bunch of liars an scammers

My mothers mortgage was take over by Cenlar from Sun West in March 2015 nothing but trouble ever since. She is elderly and a fixed income. They keep auto debiting her account for payments multiple times each month causing her to go in the negative an being charged fees. They keep getting their money she cannot pay her bills or buy food. I contacted them each time I'm told they'll take a look at it. Two supervisors said they would send refunds just a lie. Each time I call I'm put on hold an told they have no record of me contacting them. I names, times and dates of everyone I talked to they don't exist. They took 4 payments July 2015 tried to take 2 in Aug. got 3 pmts. Sept. We need a good lawyer to go after this company for theft and fraud.

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M
2:55 pm EST
Featured review
This review was chosen algorithmically as the most valued customer feedback.

Every year since we refinanced and Cenlar bought our mortgage from Meridian August of 2012 they send a letter that the Escrow is short. How is that possible, our taxes didn't increase and we are paying a mortgage that balance decreases monthly but the escrow is the same. We have a 10 year mortgage and 3 years down refied for $130, 000 now we are under 100...

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N
10:31 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Cenlar - tbw/cenlar wongful foreclosures

If you are a former Taylor, Bean & Whitaker (TBW) customer and are on the brink of foreclosure, I may be able to help you.

visit my website and ask for additional information.

YOU CANNOT AFFORD TO MISS THIS!

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The complaint has been investigated and resolved to the customer’s satisfaction.

1 comment
I
Nov 03, 2014 3:11 pm EST
Verified customer This comment was posted by a verified customer. Learn more

Cenlar/Freddie Mac
We have been battling with Freddie Mac for years to show proof of Mortgage ownership on our home in Rockford, Illinois

We have a clouded/unmarketable title because the loan originator Taylor Bean and Whitaker went bankrupt in 2009; the CEO is in prison for 30 years by originating faulty mortgages and taking TARP money. Freddie Mac is claiming that they own our Note and Mortgage, but not willing to show any money trail or any consideration that they paid for it. They are not on the title as a lien holder, TBW is, who is long time gone. We will never be able to have clear title, because Freddie Mac is not a legal lien holder and cannot take TBW off the title even if we pay off ou r mortgage.

Without prior notice and explanation, Cenlar the servicer added $9, 472.86 to our mortgage account claiming that we own some attorney fees. We never got any bill or judgment from anyone and no one can tell us where is amount is coming from.

We are current and have never been late on our mortgage. But because we didn’t pay the $9K amount, the stated payment is growing every month, currently at $10, 671.69 on top of a deeply-depreciated property,

We are demanding discovery and proof that Cenlar/Freddie Mac has the right to collect our mortgage, which to our knowledge and belief was fully paid off when TBW went bankrupt. We demand proof that they have the right to add the above-mentioned amount to our mortgage without any notice/explanation of the origination. We demand that CENLAR/Freddie Mac give us clear title upon payoff any outstanding amount that they can proof that we owe. Loan # [protected].

If they have nothing to hide, this should not be a problem for them

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A
8:41 pm EST
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They too k over my loan from T

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M
6:06 am EST
Verified customer This complaint was posted by a verified customer. Learn more
Featured review
This review was chosen algorithmically as the most valued customer feedback.

My mortgage was with Taylor Bean and Whitaker who of course went bankrupt and that is why my mortgage is with Cenlar. They kept going up on my escrow and now my 2011 taxes and homeowners ins. have just been paid but there is 536.22 balance. I have requested to close my escrow acct and send me a check for 536.22. They have denied my request and stated my...

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A
4:50 pm EDT

Cenlar - they are not doing what they had promised

I have been working with Cenlar since January 2009 for a loan modification. We were approved on August 25, 2009 with a trial period for payments. That was completed in December 2009, and any income verification they asked for was sent. I have not received any final documents for this modification. Additionally, they have cancelled my insurance twice and now inform me that I may have to pay for their insurance, since I don't have insurance coverage - ?!?! I don't receive calls back, I only receive bad news from them. Where can I file against them? They are not doing what they had promised.

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C
5:26 pm EDT

Cenlar - holds escrow funds and takes forever to return

Cenlar mortgage uses an India call center and no one

can be reached here in U.S.

I tried to close escrow account and get my money back and it has

taken 2 weeks! They hold 2 months escrow because that is their

"policy" which is drawing interest. Not their money but get the

benefits! My previous mortgage company did not require this to be held

9in my escrow account.These people are not at all customer focused.They

are totally indifferent

Their Customer Service would be better served to call it CUSTOMER

FRUSTRATION!

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1 comment
K
Feb 10, 2012 8:22 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I have been tortured by this scamming company Cenlar enough. God help me please they owe me $761.51 escrow refund of tax year 2010 and as of today 02/10/2012 they have not paid me back. I have talked with them on the phone, via fax, and email [protected]... times and still not gotten my money back yet.

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F
9:32 am EDT
Featured review
This review was chosen algorithmically as the most valued customer feedback.

Over the years that Cenlar has serviced my mortgage I have been harassed and lied to so many times it is not even funny. First lets start with the fact that you have until the 16th beforeyour loan is cdonsidered late yet every month I start receiving phone calls, sometimes as early as the first of the month asking when we are goingto be making the payment...

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G
6:21 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Cenlar - Took over mortgage - restart mod process

Started mortgage modification 6/09 w/LoanCare Servicing. Sent multiples requests for updated P & L information. Nothing happened until february 2010, on 8/29/10 -- Loan Care said they had us approved for trial modification and that I didn't need to make payment until 10/10. At the end of August 2010, I was only two months behind on mortgage. I waited for documentation, there was a delay, my negotiator's wife had cancer. totally understandable. They needed a couple more bank statements. No problem. My trial modification letter was dated September 30, 2010, and WHOOPEE! I didn't have to start the first payment until 11/1/10, which I did. I also made the 12/10 and 1/11 payments right on time. Eagerly called Loan Care asking what next step would be (I found out that LoanCare had started Foreclosure proceedings on 10/5/10 and that an attorney had my file). To add insult to injury, my loan has now been sold to Cenlar -- do not believe we will get a modification. DON'T TRUST ANYBODY WHO TELLS YOU "YOU DON'T HAVE TO MAKE A PAYMENT UNTIL..." Everytime I call Cenlar, I get a different person with a different story. In frustration, I called an attorney's office and discuss problem and was told Lenders are just doing what Law said "trying to help", but not really and more than likely even if I do START OVER WITH MODIFICATION, they probably will decline me and foreclose. I now have pneumonia and colitis from the grief they have wrought! DON'T TRUST THEM!

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The complaint has been investigated and resolved to the customer’s satisfaction.

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M
9:08 pm EST

Cenlar - Horrible company

Cenlar is definitely a joke! They don't have a record of my payment that was made over a year ago and now demand me to send them proof of payment. What the heck? It's over a year ago...why they never inform me? I found out because they said they said I still owe the most recent month's payment, which they already received. I closed the bank they used to pay them and was concerned that I couldn't get the information they need, which means I have to pay an extra monthly payment...the one I already paid and they lost record of. Luckily I have the bank statement that shows the payment. They shouldn't have lost that information in the first place. They also lost my insurance coverage statement and ordered one that costs over a thousand for a year coverage. How ridiculous! The coverage should cost only about $300/year. Unbelievable! Not only that, the coverage was in the past...They are unorganized. They blame the customers instead of taking their work seriously and be responsible for their imcompetency. Seriously...we all should do something about their poor service...it's our rights to demand as much.

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2 comments
D
Jul 16, 2014 5:15 pm EDT

Cenlar is a big joke. I tried to get a loan modification, but they all have something different to say. Ms. Harding is the biggest fat JERKOFF we ever talked too. She told us she was in charge of this =========###. This company is full of scams.

J
Nov 24, 2011 5:20 am EST

All CENLAR Clients need to report this company to the Fbi in your city or area. This company is definitley Fraudulent and they are thieves. If enough people report them maybe something will be done . They need to be shut down put out of business. J.M. Los Angeles

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