Cenlar
reviews and complaints

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 request, different requirements, etc. etc. I paid out of pocket and will be accuring interest soon on the purchases made with a credit account, unless I get items paid. I fulfilled my obligations and seems Cenlar is trying to hold my money for the interest or not pay me at all. Would recommend you not use this company in the future. Some people I spoke to who do business with Chase, wells Fargo with same types of damage had no issues as I'm having.

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 finance company to get my house out of foreclosure. The supervisor there was one of the most horrible people I've ever had to deal with on the phone. Also, they should be charged with elder abuse!

My house is worth about 600, 000, My mortgage was 70, 000. They were trying to steal my house.

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 changed the process in the middle, which now required me to have them send back the second payment from Statement so my wife and I could endorse it, they deposit and then issue me a new check. Seems simple? Not. Cenlar lost my check from the insurance company, refused to overnight the check so it was either not mailed or lost in US Mail. Now State Farm to re-issue a check. Cenlar refused to pay to overnight the check from State Famr, suprising in light of their errors. There is no way to write therm, can't get through to a customer service manager/supervisor. I have a very upset contractor who wants payment, but has to wait on all the Cenlar errors and lack of customer service to get paid.

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 knew we just needed a little help.

Well, they raised our interest rate from 3.5% to 4.0%, if we are late, we have a late fee of $73, we made the 3 monthly payments in January, February and March (trial period) and the payments were only $200 less than our normal monthly payment. We are then approved for the modification. I then look at my credit report and they reported that I did not pay those months and 120 past due ON MY MORTGAGE! THAT IS ###. I paid every month. They call that making a home affordable.

I am in the process of filling out complaints to the reporting agencies, HUD, FHA, my State Senators and yes, President Obama. This is not affordable. It killed my husband and I and our credit. In fact, I had one of my credit cards just check our credit score and lower our credit limit now.

This company should not be in business and I will make a fuss about it.

S. Boysun

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.

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.

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!

They too k over my loan from T

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 loan to value ratio is too high and would have to be under 80%. We are not talking PMI here but an escrow acct. I had my house reappraised in 2008 and had the PMI taken off with TB&W. So my
loan to value ratio is well under 80%, approx. 60%. This should not even be a factor. It should be my right to close that acct and pay my taxes and homeowners ins. myself. I even faxed them a certified copy of my appraisal even though that should not be a factor. I sent my last 2 payments for principal and interest due only and no escrow. Then I get a letter stating if I send another short payment (without escrow) they will return my check. They are forcing me to keep the escrow and overcharging me at that.
No Customer Service, they dont even know what they are talking about, I am retired and frustrated they will not return my money.Diane, GA

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.

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!

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. Every time they would I would tell them that we always make our payment online by the 15th. 4 or 5 days later I would be getting the same call from them and would tell them the same thing. I would ask if they ever reviewed the notes in the system before calling somebody and was always told that the notes only stayed in the system for 10 days.

Several times I inquired as to which company actually help our mortgage and was never able to get a straight answer until on day I was talking to a lady regarding a loss that we had at our home and was told that Wells Fargo was the investor.

When we had the claim on our house we called the insurance company, who of course had to contact Cenlar. Once the repairs were made and the company that had completed them had told the insurance company Cenlar stepped into the picture and before we knew what was going on it had taken over 6 months for the company to get paid for the work they had performed even though we had completed everything that ws asked of us to insure that the work was completed and the house was again in good condition. The hold up was Cenlar and the misinformation that they had given the insurance company. WHen the check arrived at our house for us to endorse they had given the insurance company two or three different bank names and all of these companies were supposed to endorse the check to allow the company to deposit it. It was crazy as we watched this check come through our hands at least three differnt times from Cenlar.

At one point, I had lost my job and started trying to contact Cenlar about our options for modifying the loan. By the time that we finally got forms to fill out over 7 months had passed and I had started a new job. We ere then told that due to our never having been late or behind on our payments and the fact that I was back to work that we could not qualify for a modifaction. During the time the value of our house had gone down from $225, 000 to $69, 000 - $75, 000 and we still could not get anything done. We were needing to do work on the house to make it more handicapped accesable for my mother-in-law and to give my wife a better place to work from home since she was supposed to have a private office.

We finally just said forget it and found another house that would fit our needs and we would have some equity to work with. The neighborhood had gone downhill so bad that we kneww that we would never got our money back out of it. When we moved out the calls really started, sometimes coming two and three a day even if we did answer them. After weeks of this harrasment I was talking to one particularly rude CS rep that was all but calling me a liar and was actually yelling at me so load that my wife could her both sides of the conversation even when I stepped into the other room. I made a comment about there systems being out of date and not able to keep notes longer I was flat out called a liar and told that no CS rep would ever tell me such a thing and demanded the name of the person that had told me that. When I told her the every CS I had ever talked to had told me the same thing she again called me a liar and demanded that we make our payment over the phone right then. That is when I hung up on her.

We had put the old house up for a short sale and received three offers fairly quickly. The first we rejected as being to low and then accepted the second. It was submitted to Cenlar who never even looked at it and after two months the buyer found something and withdrew the offer. We already had another offer and submitted it. It has now been almost two months and we are still waiting on an answer. When we did get something Cenlar wanted us to put up an additional $5, 000 toward the sell and said that the PMI company wanted a note for $43, 000 signed. This was supposed to be an interest free note payable over 120 months at $400 per month. I know the math does not add up but we told them that we could not afford this. We have now received a letter saying that the short sale has been rejected because of a failure to reach an agreement with the PMI company.

When I talked to the PMI company they say they do not know anything about this. So who is telling the truth and who is not. I'll let you debate that in your mind.

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!

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.

I have been dealing with cenlar ever since sept2009 when i finally was informed which company my loan for my house was transferred to from tb&w. I was very satisfied with tb&w, but the feds apparently thought they were crooks, now i am dealing with crooks on somany level and rude obnoxios people at cenlar that it amazes me the lackof intelligence or ethics that i am flabbergasted. Fist off my property taxes were wrong, then money wasremoved from my escrow for taxes i had already paid. My intrest amouts have change and my monthly payments keepchanging and talking to these people is like talking to asphalt. Where doyou go. The feds, oh yes they are the ones who started this.

My loan was taken over by Cenlar when TBW went under. I am still waiting for them to apply a payment from August 2017. I have a paid receipt from TBW. Every month I ask about it and no one seems to be able to understand my question (since the agents don't speak English all that well - sorry - no offense meant - but it is the truth). I paid my Dec mortgage which I have to call in (hard to reach by phone but if you pay on line they charge a service fee which they then have to refund - a pain and still requires a phone call - since this is a TBW loan) and the Cenlar agent asked about my home insurance. My insurance agent was alerted as soon as this change took place and there have been no issues in the past with them receiving my insurance bill. The Cenlar agent said it was due in September and is unpaid. This is 3 months later and they are finally letting me know they didn't get a bill? Hello! I spoke with someone in Sept, Oct, and Nov and finally in December someone tells me they haven't paid the bill because they didn't get it? I don't believe that. And the person could not understand what I was saying to him. They are horrible to deal with, have no answers to any questions and it is now 17 months later. I have NEVER got an answer to any question because they have problems understanding me on the phone - as I mentioned not one of the representatives I have talked to seems to speak English well. Again, no offense meant, just speaking the truth.

I have tried contacting whomever with CENLAR on the approved loan modification prior to the bankrupcy filing by Taylor. I have called, I have sent emails, I have sent letters, all of which they say that is how they should be contacted. I have recevied zero responses. CENLAR's customer service is a joke and they seem to make every effort to frustrate their customers. They have no problem in sending out mail and loan payment request, just don't try an call them about anything. I am extemelly frustrated. It was a pleasure to speak with Taylor Bean. There does not seem to be abything that can be done.

Cenlar will not release the required money to have repairs completed on insured property building. Winter is starting and further damage will ensure another claim. Cenlar refuses to comply with their stated proceedures and repairs cannot be made. I do not have funds to pay for the repairs as they exceed $30, 000.00.

Pritchett's Flooring America/Cenlar was issued a State Farm check on June 4, 2010 for installation and repairs for damages to a homeowner. On 6/6/10 this check was mailed (overnight with a return overnight postage paid) to Cenlar for their endorcement and asked to mail back to Pritchett's. After 2 weeks, Cenlar returned the check with 8 pages of information that the homeowner and contractor had to fill out verifying that the work had been done and authorization to pay. All of this paperwork was completed and notarized per instructions given. The check was endorced but only as "DEPOSIT ONLY" to Pritchett's Flooring America. We found out 7/20/10 that this check was deposited into Cenlar's bank account on 6/30/10. But on our repeated phone calls to Cenlar this was never revealed. Only more paperwork that needed to be completed. On 7/7/10 we had to send another form to them. On 7/12/10 we again talked to someone at cenlar and was told that they were in the process of getting check released. On 7/19/10 again we called and were told an inspection by Cenlar would have to be requested by the homeowner for this check to be released. Never before were we told this/nor the homeowner. Afternoon of 7/19, homeower received a check from Cenlar for 1/2 of the original check. Was told today 7/20 that this is payment for 1/2 the work and once the inspection was done we would receive the other 1/2. This work was preformed by Pritchett's - we are the ones out of pocket expenses and the insurance company would not have issued a check not would the homeowner have signed off on this job if it had not been done to satifaction and complete. Cenlar is creating a scam in depositing funds that do not belong to them drawing interest until they feel that they have made money on this and they after 3 months will release the funds. The mortgage was up todate, not in default and we feel this is unfair and should not be tolerated by the insurance industry nor companies that are trying to survive in todays economy by having these so called "Mortgage" companies take advantage of these loss claims.