They service loans for other Mortgage Companies.
This is from their website:
"We subservice loans in all 50 states. We have serviced residential loan portfolios for over 40 years. Members of our management staff average 20+ years of hands-on servicing experience. We are flexible, meeting our clients' needs with an array of options and complementary services that answer their requirements and the needs of their customers."
Blog Entries about Cenlar
Checked Better Business Bureau: No
Cenlar's Contact Information
|Address:||Trenton NJ 08618|
Cenlar Success Stories from our clients:
We would like to demonstrate to you what we call success. When we save someone's home they are approved for a "Workout" with their Mortgage Company. The Mortgage Company will forward a contract for the client to sign going over the terms of the workout. This workout has many different options and terms. This is a small sample of some of the workouts we have negotiated for our clients and should give you an idea of what we can do for you. Please call us if you have any questions.
Files & Photos
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Reader Comments & Ratings
Average Rating: (1.6/5)
by Barbara From Port Saint Lucie, FL on October 08, 2013
CENLAR is a corrupt and unscrupulous company that needs to have as many lawsuits and documented complaints filed agsinst them as possible. Use the names of everyone that works for them you can in the complaints. Also anyone having an issue with them should file written complaints with both their senators and local congressional representatives and file complaints with city leaders as well. Additionally, file complaints with your state attorney general, and regional office of the federal reserve. File complaints with banking and commerce commities of congress. The more formal complaints and trouble that citizen can make for them and their emploees the better. Type out your complaints, send them to every agency you can. Do it in groups as well if possible, follow up with calls, letters and emails to document it with all agencies and representatives to hold them accountable to respond. If there are any news reporters that handle consumer fraud and abuse use them and write complaints to them as well. The more documented complaints the better. In time some law firm may realize they can make money representing the public in a class action lawsuits. Invest the time, don't stop, keep writing even if the agency says they can't help, overwhelm them with complaints, and keep every response you get. Forward them to the the Whitehouse and President, let him know how we are being bullied, abused, extorted, victimized by a company that is handling government backed loans, and operating with government endorsement. Hold everyone accountable in writing. And don't give up, dont stop fighting, it may seem like we are getting nowhere but if we all keep chipping away, the criminal house of CENLAR will fall.
by Anonymous From Port Saint Lucie, FL on October 08, 2013
by Thom Reed From Knoxville, TN on October 04, 2013
Cenlar, almost took my house. They break the law over and over. I am looking to file on them.. anyone with me? email@example.com
by Anonymous From Spartanburg, SC on July 23, 2013
CENLAR is the WORST servicer I have been associateed with. Customer service is terrible and the only way I could get resolution is threaten a formal complaint with the CFPB. CENLAR still did nothing and I thankfully was taken care of by the company that actually holds the note. The mortgage company (Redwood) was great to deal with and I hope they realize what a terrible servicer they have in CENLAR.
by anonymous from buckhead Ga From Buckhead, GA on July 12, 2013
we too have exsperienced the same problems being moved from taylor bean and whitt never missing a payment to being called late with cenlar and providing proof and talking to their attorney who said we are current he didnt even know what was going on we are trying to d a loan modification but still recieve late payment notces since cenlar took over
by Dalton From Chestertown, MD on June 21, 2013
The mess started in 2008 when Chase sent my loan to these clowns. If I knew then what I know now 2013 I would have walked away.
by Anonymous From North Attleboro, MA on April 29, 2013
by Kimberly Lanxon From Vancouver, WA on April 15, 2013
by John From Colton, OR on April 07, 2013
I have had a fairly good relationship with Cenlar. A bit of confusion the first few months but everything since has been steady. I see a common theme in the comments from previous people. They want to "change" or do something unusual or are late or have some other problem. They are upset that Cenlar won't "work with them". Why should they? I made an agreement to pay a set amount each month for 20 years to TB&W. Cenlar is handling my loan exactly the way i agreed to when it was set up. I can't fault them for not making changes, not altering my previous agreement, for not doing in short, what I want to make my life easier. They are doing what they agreed to do. That is good enough.
by Anonymous From Philadelphia, PA on March 05, 2013
They are not customer friendly at all...
by Anonymous From Eaton Rapids, MI on January 15, 2013
by amanda boles From Livingston, TN on January 09, 2013
by Anonymous From Glyndon, MD on December 11, 2012
terrible,terrible,terrible is hardly the word. This is very scary. I feel like I am being violated and I am. Help!
by Steve From Phoenix, AZ on May 14, 2012
What a freaking mess. CENLAR has to be breaking the law not working with their customers. We're probably going to be foreclosed on as our short sale is taking FOREVER. CENLAR is the problem, and now they can't tell me who actually holds the note on my house. I'd cut out the middle man if I could, but CENLAR has me by the cajones. This company is hard to work with and is screwing me twice. Had I had any option when TB&W got screwed I would have gladly gone anywhere else, but we never got an option. We got a piece of mail saying you're now a CENLAR customer. I never signed a contract with them. I'm still pissed about that. CENLAR you need to fix this mess!
by Anonymous From Litchfield Park, AZ on April 24, 2012
worse than Taylor Bean & Whitaker, incompetent
by geoffery From Litchfield Park, AZ on April 24, 2012
worse than Taylor Bean & Whitaker, incompetent
by Anonymous From Cottonwood, AZ on April 15, 2012
Most definitely they should be investigated by the Federal Government. Until you get totally rude with them , write in detail, keep facts on your computer, send them copies of whatever the hell they want, they don't do a thing. Also, our escrow account has made our payment go up then it goes down then it goes up then it goes down. They are idiots and have no clue what they are doing!!!!! I just have never in my 70 years ever dealt with people so stupid!!!
by Hector Verdin From Raton, NM on February 25, 2012
by i work for cenlar From Edison, NJ on February 18, 2012
first off, all of your complaints are misdirected. the majority of you are former TBW borrowers, no? your mortgage company was shut down by the FBI and forced in to bankruptcy. we had two weeks notice that about 250k loans were coming to our system. we hired hundreds of new hands during that time and trained them on the job. if you got poor customer service during that time frame, SORRY, we were expanding so that we can answer your phone calls. it is not cenlar's fault that your payments went missing, blame the TBW bankruptcy. it's not cenlar's fault that your monthly payment went up, perhaps you should talk to your insurance company or tax collector about what caused the escrow to increase. it's not cenlar's fault that it's taking us longer than two weeks to review you for a modification - maybe talk to every single american citizen who is perfectly able to afford their home and wasting our time by sending in workout packages because they think that they can get a lower monthly payment. i hate to say it, but your "class action lawsuits" probably won't get anywhere. we did you a favor by not assessing any late charges, phone pay fees or online payment fees for the first two years that we had your loan. it has been a standard practice of ours to do that for every other loan in the system. if you think these charges are fraudulent, it is your own fault for not reading what you sign. i'm sure that i am going to get ripped a new one for posting this. i am just sick and tired of people blaming the company that bailed out their previous (failing, bankrupt, FRAUDULENT - yes, the FBI shut them down) company. i happen to be very proud to work for cenlar and unless you can redirect the blame about whatever complaints that you have, you are forever doomed to complaining about a perfectly legitimate company on the internet.
by Anonymous From South Orange, NJ on February 15, 2012
CENLAR financial are liars.... They informed me a year ago that they did not participate in HAMP-- I sought the assistance from a non-profit group and then they sent me an application for HAMP--
by Anonymous From Trenton, NJ on February 07, 2012
Cenlar is a disgraceful company to be involved with in any way shape or fashion. As an insider I can tell you the emphasis is primary to generate money so they primarily service loans. The practice is dishonest but if you don't comply and get some sort of payment your job is own the line. We must word things in such a way till its technically legal but is generally false, a direct answer that offers a viable solution without some payment or payment plan is frowned upon or cost you your job, so the veterans typically will rely on a consult your local state for regulations but new fish are required to read from a script. your information is not technically sold but is leaked "outsource" to recover cost. I hope this helps in some small way. I don't like what is happening so I advise avoiding Cenlar at all cost, trust me you will save in the long run
by Anonymous From Camdenton, MO on February 03, 2012
The servicing of my Freddie. Mac loan was taken away from the small community bank where I live by Obama's regime and handed over to Cenlar, a loyal member of the communist party, in March 2011. My 1098 which didn't arrive until 1-30-12 showed only 11 PMI payments even though I made all 12 monthly mortgage payments when due. Come to find out they didn't start disbursing PMI payments until 3 1/2 months after the feds gave them my loan. What is bad though is the lies that they tried to push past me. I proved them wrong each and every time and finally they just hung up on me rather than apologize and agree to correct the 1098. Most rude stupid people I have ever dealt with. I can't wait to get shed of this oppressive entity from my life.
by Free of Cenlar From Chicago, IL on January 29, 2012
Cenlar was late with our property taxes. They insisted upon escrowing our home insurance, so we gave in and escrowed it. When the insurance came due, Cenlar didn't pay it. They told us the reason was TBW didn't pay our insurance, so they didn't have to either. We asked for the insurance escrow money back, but they refused to give it to us until they did their annual escrow review. We had to pull money out of savings to pay the insurance. We recently did a HARP open access refinance with Quicken Loans and are now happily free of Cenlar and don't have to escrow anything.
by Mike From Garland, TX on January 22, 2012
Cenlar purchased my loan and then claimed that I had a negative escrow from the previous mortgage company. When I explained to them that I do not have an escrow account they told me they are sorry but if I do not pay the deficiency then they are going to force an escrow on my loan and increase my payment by nearly 45%. I complained argued and tried to work this situation out with them. We have moved and tried to list the house for sale and Cenlar has repeatedly blocked any sale offers, they have blocked us from renting the property out, and even now after they agreed to a short sale we have 3 contracts pending and they are still silent and will not process the paperwork so we can be free of them. This company should be shut down and fined by the federal government. It is a shame what they do to innocent homeowners, especially since the entire state of the economy was caused by mortgage companies like them. BEWARE of CENLAR and stay away. I find it revolting that there is nothing in place to allow homeowners to block the sale of their mortgage to shady companies such as this.
by Fed up From Ellabell, GA on January 10, 2012
I am totally amazed at the number of posts complaining about the same thing and nothing changes! WOW, this company is clearly a problem. I too am a former TBW client backed by Freddie Mac and stuck! I have called every lender in the book and get a different answer every time I talk to someone. What good are programs established and supported by Freddie mac if no one can do them. Open access is the ONLY option for cenlar victims. While I totally agree with everyone about the poor customer service, inability to talk to or understand cenlar's reps, escrow problems and criminal tendencies of this crappy company....I blame Freddie Mac. Why in the hell Freddie Mac invests in loans carried by this company is beyond me. Under HARP open access I thought I had found a glimmer of hope to get out from underneath cenlar only to find that cenlar doesn't hold a monopoly on employing uneducated, lazy,inept people.
by Anonymous From Brockton, MA on December 23, 2011
I have also been having problems with CENLAR for months now, also with my August 09 payment. After having to do all the leg work and going to my bank to get a copy of my cancelled check from August 09 and sent it to CENLAR they still insist I am behind a month on my mortgage payments. I have talked on the phone numerous times with them and they keep insisting I am behind when I have all the documentation that I am current with my payments. I am now worried that it is going to effect my good credit rating if they report my payment is past 30 days. Any class action suits out there against CENLAR. They are by far the worst mortgage company or any company that I have ever dealt with. Only silver lining is that it looks like I am not the only one having problems with CENLAR.
by Anonymous From Louisville, KY on December 23, 2011
They Are the Devil
by Sean From Windermere, FL on December 22, 2011
I was also a TBW customer. Cenlar continues to claim I'm delinquent on an August 2009 payment but the first page of my TBW Mortgage Note states my first payment was due Sept 2009. I have faxed them copies of my Mortgage Note, called Customer Service (India and NJ) on numerous occasions, called their Escalations hotline, sent E-mails and mailed their CEO. They are now sending me delinquency notices and are charging me late fees. They are by far the most dysfunctional company I have ever had the displeasure of dealing with. Looking forward to a Class Action Lawsuit.
by Anonymous From Bainbridge Island, WA on December 08, 2011
Cenlar is the evil, and crooked organization, making people's life hell. Mr. Someone from the FEDS need to look at this crooked organization. Rude people, unreasonable business practices, very poor communication with customers, shame that organization like that can make people's life miserables. MR. Sam, please take a look at this organization, investigate, listen to what customers tell you about them,
by Anonymous From Middle River, MD on November 26, 2011
Cenlar is now ripping us off to pay our mortgage on line when it was free until this month! $2 dollars what a rip off!
by A.M. From Meridian, ID on November 24, 2011
I'm having the same issues as many people have stated here. CENLAR is continuing to send me delinquent payment notices even though I have submitted proof of my supposed "missing" payment from August 2009. I even received a response from them, which was surprising, when I requested proof of my payment history from 2009 to present. All of my payments, even overpayments applied to principal, show up on their records for each month from August 2009 forward. I am wondering how it is possible, even though their records show all of my payments are current, that they can still be saying that my mortgage is in default since the transfer from TBW in 2009? I thought I had all the proof I needed when I submitted my bank statements with my payments itemized and thought the battle was over when I received their records of payment. Apparently, the battle has just begun - AGAIN! I'm seeking an attorney now to handle this and hopefully see where a class action lawsuit can get all of the homeowners that have fell victim to CENLAR's fraudulent scam to try and get additional payments out of homeowners who have already made them in good faith. I look forward to seeing this company go out of business and be exposed for what they are.
by Anonymous From New Egypt, NJ on October 12, 2011
Same issues with TBW. Cenlar claims I am behind two payments. i have provided proof 3 times with no response, just more past due notices. I AM Beyond frustrated !!! What can we do? We should all just stop paying our monthly payments.
by Bill From Dothan, AL on October 11, 2011
Cenlar is what I call a mortgage Terrorist cell who's sole purpose is to foreclose or steel peoples homes in order to resell them for more profit! They will keep doing so until we stop them.
by karen richardson From Manquin, VA on October 10, 2011
by Puddentane From Alexandria, VA on September 20, 2011
I was a TBW customer, paying on an accelerated schedule. When Cenlar took over, half of one mortgage payment had already been made. Cenlar said they could not access the money because it was tied up in receivership, so I had to make a full mortgage payment. I had to take a short-term pay advance loan and it caused me hardship. This was 2 years ago. Yesterday I received a letter in the mail dated last month(!), saying they had indeed determined that they were in possession of nearly a thousand dollars that was mine, and I could direct them to either put it against the principal, or put enough money with it to make another mortgage payment. My mortgage payment is on auto-pay out of my bank and I don't want it messed with; it is working fine. I want my money back. I called the 877-680-5583 number and got some belligerent Indian man who put me on perpetual hold when I asked to speak to a supervisor. Then I Googled Cenlar's US number, which is 609-883-3900, press 3, then 0 to get a person. I spoke to a pleasant woman who was a native speaker of English and told her I wanted my money back to use at my own discretion. My payments are current and they have had half of one mortgage payment now for a couple of years -- just give me back my money. I got put on hold. Then on hold some more. Then she said she had emailed the person who deals with my loan and they are not in yet but if I give them 24 hours to look into it and call them back at that time, they will be able to tell me whether or not they can send me back my own money. Which they have had for two years, at great inconvenience and financial stress to me. Which I am not even pressing about any interest on. What do they mean, they don't know if they CAN. Write a check, put it in the mail, period, where's the problem...
by Anonymous From Alcalde, NM on September 12, 2011
by Anonymous From Noblesville, IN on September 10, 2011
by Anonymous From Plymouth, MA on August 31, 2011
by Mr.Mrs. Bautista from California From Carson, CA on August 22, 2011
My experience with TBW was like every ones else on August 09. I felt like we were the only ones struggling with the change of companies. I need to get a new company am so tired of calls and no answers.
by Dewey From Germantown, MD on August 04, 2011
You have to call them and make sure that they credit your August 2009 payment. When they send me a letter letting me know that they will be servicing my loan, the following payment month was September 2009. However, the September 2009 payment was credited to August 2009 month, this is true for all of TBW loans that got transferred over. So what happen is all of us are somehow 1 month late or missing payment for one month because the August 2009 payment were still mailed to TBW. In order to resolve this, I mailed them a copy of my August bank statement and a copy of the check I wrote payable to TBW. When they received these two evidence they credit my account for one month payment. I don't think it should be our responsibility to provide this proof but it should be their job to get this from TBW, that would be quicker and easier than for thousands of people faxing and sending them documentation. It is also annoying if they don't credit you because you would be officially one month late and their automatic phone system kept calling my house telling me that I am late on my payment during that time period. Overall I am just glad that it worked out. I hope the same for everyone else that got your loan transferred from TBW. Don't forget to sign up for online access at https://www.loanadministration.com
by Annonymous From Eagle, ID on August 02, 2011
I requested to move my auto draft payment date to the 15th to better coincide with my paychecks. It is as if they want me to go into foreclosure. Here's their response and my reply: Dear Customer: Thank you for your recent email regarding your draft change. Please be advised we cannot move the draft date to the 15th. We only draft payments on the 1st 5th and the 10th of the month, so we cannot honor your request. If you have any further questions or concerns, please do not hesitate to contact our Customer Service Department by email at cs@Cenlar.com. Sincerely, Robert S Johnson Email Support Representative Dear Sucklar, I've made timely payments since 2007. Your lack of flexibility is more than disappointing. The draft date of the 10th was negotiated with Taylor, Bean, and Whitaker prior to you acquiring my loan. It is either coincidence or malfeasance that you refuse to negotiate a new draft date after never providing me with an alternative. Cheers - here's to you suffering the same fate as Taylor, Bean and Whitaker. Just A Number
by Anonymous From Rome, GA on July 05, 2011
The first time I entered a workout proposal over a year ago, no one ever gave me a yes or no answer. All of a sudden I get a call from them requesting more information. I send that information and the loss mitigation worker has told me for over two weeks that she hasn't had time to get to my paper work but she will soon. Meanwhile, I just received my foreclosure letter.
by Anonymous From Greenville, SC on June 10, 2011
These people have done nothing but harass us since they took over. We get at least 2 letters a month about something or other ,some about fees or anything they can come up with. I received a letter that are coming to inspect our property because some of our payments have not been on time AND WE WILL Responsible FOR THE COST OF THIS .
by frank perry From Springtown, TX on June 01, 2011
by Karen From Fairfield, NJ on May 26, 2011
worst company ever! Ocwen a close 2nd. been trying to do a modification for almost 2 years.. they continually lose the entire file and paperwork, say they haven't received faxes and mail. If you can get a person on the phone they tell you one story, then you can call 2 minutes later and get a totally opposite story. They've lied over & over and sent my home to sheriffs sale saying they had no application for mod on file, even though we submitted it at least 4 times. I had to file bankruptcy to stop it -that is a whole other fiasco.. they still won't cooperate or do the mod
by Anonymous From Puyallup, WA on May 13, 2011
Cenlar has my loan, picking it up from TBW and when I tried to refinance last month I fouled out they have not reported anything to the credit agency's so I have no history of making payments on this home since they took over almost 3 years ago. They don't speak our language or I would have been able to understand them when I called. Not even sure they are in this country. Our government needs to step in and fix this company or SHUT THEM DOWN before they destroy everyone.
by Jesse From Ozark, AR on May 09, 2011
My story is the same as most have already posted. I have NEVER dealt with a company that has such awful customer service. I was send an escrow statement letting me know that I was going to be $338 short for the year. I could either send that amount, or my payment was going up by about $30. I called, could hardly understand the person I was talking to. After a very long conversation, I was told to fax my new tax statement, which I had gotten a credit of $350. I think a 3rd grader could understand this math. I was to send in $338 to keep my payment as is. Instead, I managed a credit of $350. What is so hard to understand about this? My payment should remain the same, or be a bit lower, right? I call 2 weeks. later after sending fax, they "never" received. I asked 3-4 times on this second phone conservation for a supervisor. No Go. I could hardly understand this "customer service" person, and apparently, she couldn't understand what supervisor meant. I faxed again, she calls back in 10 min. to let me know she received fax, to call back in 5-7 days for new adjusted payment. Call back 1 wk. later, new person doesn't know what I am talking about. Again ask more than once for supervisor, no can do. She comes back and tells me that it is under "review", to call back in a few days. What is under review? I do not understand this at all. A week later, I email, because calling does no good. Guess what, my email has been sent to the research dept. and I will get a response asap. I am so glad that I don't have a major problem, this simple little matter has been nothing but frustration and a waste of my time. Aren't you supposed to be given a supervisor or someone who can understand and speak english if you request?
by J. Spence From Enterprise, AL on May 09, 2011
NIGHTMARE!!!! When they first took over my account from TB&W (biggest nightmare) They seemed like they were doing everything possible to correct the errors that TB&W had done. Long story there. In January 2011 I began getting phone calls stating I was 2 months behind which I am not. The latest fiasco was they failed to pay my home insurance due on March 12. It lapsed on April 24 at 12:01 am. I had to rush down that following morning and pay it. I finally got an attorney to fire off a letter to Cenlar Legal Dept. which they received on May 2 and I received a confirmation letter on May 7. I called to find out the progress of this research and requested a phone number their legal dept. They refused to give and began asking all kinds of questions and saying now I am 3 months behind and he continued to argue with me until finally I hung up.
by fed up From Lowell, MA on April 29, 2011
Like many posts here, I was a TBW customer. As I write this, I am on hold with Aaron; while he went to the printer--he's been gone now 4.36 minutes--they must have a huge office with 1 printer. So many of us are stuck with these clowns because we cannot obtain paper statements needed to re-finance to get away from this organization. Their behavior and business approach is nothing short of criminal. How the US DOJ could randomly assign former TBW customers to this organization is outrageous. TBW may have been criminals--but they ran an highly efficient organizations; maybe they can take over for CENLAR as part of their penal sentence. Good Luck to everyone and I hope to get away from CENLAR soon.
by PinkhardHat From Savannah, TN on April 08, 2011
This company is quite possibly the worst mortgage servicer I have ever encountered. And I have several mortgage loans over my years. Besides having Customer Service in India, there are many other issues with this company. At least I never had any problems with TB&W even if they were crooked!!!! And they CS reps spoke ENGLISH!!!!!!! It took me more than a year to get everything straightened out after they assumed my TB&W loan! And still screwed up the year end statement!!! Twice they withdrew more than the approved amount on my auto draft, as noted by others for a supposed arrearage in escrow!!!!! I am not even sure this is legal!!!! If I were a typical American who lives paycheck to paycheck I would have been screwed. It totally irks me that the Feds forced this issue with TBW and transferred our US Government backed loans to a company that does not even do Business in America! Ridiculous!! Okay I feel better for venting! This is the WORST COMPANY EVER!!!!
by Jon From Salt Lake City, UT on April 01, 2011
"I could not understand most of what the CS agents were saying. They would not transfer me to anyone that I could understand. They are insisting on paying my old hazard insurance company next month and then telling me that I will need to get a refund from them to pay the new company. They will not remove the private mortgage insurance that is not required on our mortgage yet they are billing us for, and there is no one within their company that you can seem to talk to directly. They really suck."
by Anonymous From Salem, OR on March 28, 2011
This company has literally let someone else take over my account. Security measures? They seem to have none. I just hope that I don't lose the roof that keeps my family safe, dry and warm....
by Samantha From Appleton, WI on March 24, 2011
I have been contacting Cenlar since Dec. 2010 as they have not paid by city taxes--about $3000. They have been nothing but distrustful and rude. There is absolutely no follow through. The service reps have no idea what they are doing/saying. I have been a faithful, prompt customer. My bank, unfortunately, sold my loan to Cenlar, and now I have had nothing but headaches for the last 6 months. Oh, did I mention my home owners insurance was paid 2 weeks late by Cenlar? To say this company sucks, is an understatement.
by Linda From Southport, NC on March 09, 2011
I am sorry so many were dissatisfied with Cenlar. I had no problem with them whatsoever! There may have been a couple of times I needed someone to speak slower and plainer English....otherwise, no problem. Wish you all the best.
by Anonymous From Charleston, SC on February 28, 2011
this company sucks. I love to talk to people that speak english.
by felix From Disney, OK on February 24, 2011
this has been a bad experience. Who is looking into this company,anyone?
by Anonymous From Lawrenceville, GA on January 04, 2011
they have been nothing but a headache since they took over my loan
by Julie From Birmingham, AL on January 04, 2011
Was shocked at how uneducated the staff was. REPEATEDLY asked for a supervisor. When I finally insisted on talking to one I was put on hold and they never came back. The staff is rude and uninformed.
by Paul From Golden, CO on December 28, 2010
By a long shot the worst mortgage company I have ever dealt with. My wife and I were given the run around by customer service reps repeatedly regarding our escrow and insurance payments. Thanks fully we refinanced and wont have to deal with them much longer.
by patrick From Glendale, AZ on December 17, 2010
Cenlar is by far the WORST company i've ever dealt with. i was one of the unfortunate TB&W people who got sent to cenlar. What a nightmare ever since. You should try to work with them with an insurance claim. WOW what a hassle. these people just don't care. they want the insurance check first then make it almost impossible to get any of it back to pay for repairs. you end up paying for them yourself first and fight with them to send your money back to you. they act like they were the ones who paid the home owners insurance bill. When i get done with this round of battles with these CROOKS i'll look for a new company
by S. Smith From Steamboat Springs, CO on November 11, 2010
CENLAR...Corporate Exploiting Negligent Lying Arrogant Robbers is what I would call them. I too, was a TBW customer and it took over a year to resolve their mistakes with my account. I filed a BBB complaint which seemed to help. I would recommend this to anyone having problems.
by mad From Flint, MI on October 24, 2010
Terrible only response I ever got was to e-mail top dogs even then they did not do as they said they would they did only half i have lost those e-mail addresses if anyone has them please post as i now have another problem
by Anonymous From Smithfield, VA on October 21, 2010
This company took over my loan from TB&W. I have had a lot of issues trying to get my credit history. I have spoken to at least 4 different people and no one will send me what I need, if they reported it to the credit bureau..I would not be going through this..its absolutely ridiculous..I am so irate.. and like someone else said ..my payments have continually increased even when I switched insurance companies at a lower rate.
by Kristy Smith From Lombard, IL on October 21, 2010
If your loan was transferred to Cenlar after TB&W went bankrupt THEY CAN NOT REPORT YOU TO THE CREDIT BUREAUS OR GIVE YOU LATE FEES. No one seems to know this and I want to get the word out. I've been trying to get CENLAR to give us a deed in lieu of foreclosure and still no response. They will end up paying more on foreclosing on us then to just take title. Anyway, I agree with a post above...Merry Christmas Cenlar, you can have our house.
by Tonya Oliphant Charlotte, NC From Charlotte, NC on October 20, 2010
Cenlar has missed handled my loan and rushed my loan into foreclosure, leaving no options. It has been impossible to get through on the telephone and they are not responding back by mail.
by David From Fort Lauderdale, FL on October 19, 2010
This company is a joke. I had an overage in my account and asked them to return it to me and they said a check would be out in a week. when I looked online I seen that they had applied it to my principal. It took me 4 months to get them to take the money off the principal and refund it to me. During that time I was calling them every week and they said a check was cut every time I spoke with them. HORRIBLE customer service that you cannot understand. Obviously they don't understand you also.
by S. Moore From Milwaukee, WI on October 05, 2010
It took 6 months, but we finally got the unpaid 2009 tax escrow monies held by TBW refunded to us in Marcy 2010. We now save our own tax escrow and only pay the monthly loan payment through our bank electronically. No one from Cenlar ever contacted us, we were repeatedly told everything was taken care of when it wasn't, and were often on hold for up to 2 hours. Clearly this company is understaffed and incompetent to be handling all of these loans. I check every month to make sure that our payment has been sent from the bank. I also check our account at Cenlar to make sure that they have credited the correct amount. So far, since December 2009 , all this has happened correctly. Luckily for us, we are not thinking of selling or refinancing, but I can't imagine that that will be easy. I think there should be some kind of oversight of this company, probably a class action suit, and certainly some publicity so that mortgage companies will now sell even more mortgages to Cenlar. The problem for all of us is that we didn't choose Cenlar, no one does, because they only service mortgages sold to them by other mortgage companies. Check out their website: they are exceedingly boastful about the fact that they are now the largest mortgage servicing company in the country. It's obvious that they are not "servicing" all of us well, if at all. What can be done?
by Joshua Blake From Griffin, GA on October 02, 2010
Very difficult to deal with. My mortgage was sold to this company and we had no problem prior to being sold to them. Do not do business with them if you have a choice.
by Robert cordaro From Santa Fe, NM on September 29, 2010
Outright deceptive people.
by Anonymous From Snellville, GA on September 28, 2010
by Anonymous From Artesia, NM on September 27, 2010
by teresa branner From Jefferson City, TN on September 25, 2010
they are absolutely horrible......
by TBRANNER From Jefferson City, TN on September 25, 2010
THIS HAS GOT TO BE THE ABSOLUTE WORST BUNCH OF PEOPLE AND DUMBEST BUNCH I HAVE EVER DEALT WITH. I HAVE HAD NOTHING BUT TROUBLE SINCE I HAVE BEEN WITH THEM. THIS IS SO UNFAIR TO PEOPLE. WE CAN NOT HELP THE WAY THE ECONOMY HAS BEEN, AND YET WE CANT DO ANYTHING ABOUT IT. I AM SO ANGRY AND DISAPPOINTED. WHAT ARE YOU SUPPOSED TO DO. I HAVE OWNED MY HOME FOR 16 YEARS AND NEVER HAD A PROBLEM UNTIL THIS YEAR AND NOW NO ONE EVEN CARES. WHERE IS ALL THE HELP THAT YOU ARE ABLE TO GET. GOOD QUESTION. I CALL ,NO ANSWER, I E-MAIL NO RESPONSE... THEY DO NOT CARE AND I BET THEY HAVE SOMEWHERE TO LIVE. THERE IS A LAW AGAINST THIS TYPE OF ORGANIZATION. IT IS NO LESS THAN ORGANIZED CRIME,A CLASS ACTION SUIT SHOULD BE INITIATED AGAINST THEM. I AM SUPPOSED TO GO TO COURT ABOUT MY LOAN WHERE THEY ARE TRYING TO Foreclose. ALL I CAN IS GOD HELPS US ALL BECAUSE NO ONE ELSE IS GOING TO. NO ONE ELSE CARES. I WANT TO BE IN ON THE CLASS ACTION SUIT WITH EVERYONE ELSE. I AM TIRED OF MY LIFE BEING IN SUCH AN UPROAR.SO NOW WHAT........
by Anonymous From Yantis, TX on September 14, 2010
If your luck enough to get ahold of Ron 3350 he was the only person that seemed to care about customer service. I have been trying to refinance my home for the last month and getting a straight answer from Cenlar has been impossible until I reached Ron today. The people answering the call after hours from India are absolutely worthless. THANKS RON FOR A JOB WELL DONE. Everyone else can take a lesson from Ron when it comes to customer service.
by Chris MacLeod From Wilson, WY on September 13, 2010
Absolutely incompetent and unhelpful. Cenlar took over the servicing of our loan from Taylor, Bean & Whitaker and we've been unable to resolve an issue with our escrow balance. It's been more than a year and it's still not corrected.
by Anonymous From Pittsburgh, PA on September 04, 2010
horrible customer service. we have mailed and faxed items multiple times making basic requests and nothing ever gets changed. they denied removing our PMI stating that our ltv is 88% when its really 74%- we even mailed them the appraisal
by Anonymous From Decatur, IL on September 01, 2010
Our firm is currently gathering information regarding consumers’ mortgage loans being transferred from Taylor, Bean & Whitaker to Cenlar. We have a client who made their August 2009 payment to TBW which was subsequently cashed by TBW; however, the new mortgage servicer is refusing to acknowledge this payment or credit our client for the August 2009 payment. In addition, they have received numerous phone calls and letters stating they are behind on their mortgage payment. Now they are incurring late fees and have experienced a shortage in their escrow account. To protect consumers’ rights, we are currently working on drafting a Class Action Complaint against Cenlar. If you have experienced the same problems and would be willing to provide us with information, please contact us at 217-429-4296 or firstname.lastname@example.org.
by Steph From La Mirada, CA on August 25, 2010
This is the worst bank ever!!!! everyone that works there are a bunch of idiots, they committed violations in my loan and now i will sue them, screw everyone that works at cenlar, it seems they only hire idiots their!!!!with so many complaints from costumers they should have done something already!!! it seems like they enjoy taking peoples homes..Well screw them i am not leaving my home to CENLAR I am going to fight till the end! and is that means a lawsuit well then i don't care, obviously they do not care about their costumers well then i don't care about them!!!!!
by Anonymous From Tyrone, OK on August 24, 2010
This mortgage has been sold we believe, first southern mortgage was the original then New South Federal then LPP Mortgages and now Cenlar
by Naomi gundersen From Layton, UT on August 24, 2010
Does anyone have the problem that your payments with cenlar are not on your credit report. Luckily we have good credit but we should have great credit. I read everyone's problems and I really need to look into our stuff more. Our payments have went up three times for no reason.
by Tammy From Bourbonnais, IL on August 12, 2010
I am also one of those unfortunate people who has Cenlar as a mortgage company. Yes, I used to be a Taylor Bean & Whitaker customer. Never had one single problem with them and then when Cenlar took over, Oh My God, nothing but problems. They didn't pay my taxes on time and I got the certified letter from the Tax Collector that if they were not paid in 2 weeks...there goes my house. I called Cenlar and they said they will pay them they just didn't know when. Ummm...this is important you jackasses. And what is with the issue with everyone's August 2009 payments? The check has been cashed I have the proof and yet to this day 8/12/10 they are telling me I didn't make it. Along with December 2009, April 2010 and June 2010 even though I have the cancelled checks in my hand. I have faxed them numerous times and they keep telling me that I didn't make the payments. And just like everyone else, I got the letter yesterday about this supposed shortage in my escrow, well if you would apply the payments there wouldn't be, but when I called they said it is because my taxes and insurance went up, NO they didn't. They keep sending me certified letters stating that I am several months behind on my mortgage, even though I have proof that they were made and then telling me in these letters that I need to understand that this is a serious matter and they will carry out legal action and foreclose on my house. I don't think so. I have contacted the CBS Investigative Team in Chicago, I have filed a complaint with the BBB, I have contacted the Illinois Attorney General's office and in the process of getting an attorney. This is completely unacceptable. I asked them one of the many times I called them if they are cashing my checks and pocketing the money, all I got was silence. And every time you call these people, they always say the same thing..."well we'll have the research department research it and call you back" or "we'll have a supervisor call you"...and nothing. Check out the consumers affair website and read some of the other complaints, it scares the crap out of me. We are all going through the same thing and it's not right. Something needs to be done about them and they need to be prosecuted to the fullest extent of the law. People keep asking me why I don't just refinance with someone else, well I tried and I can't because they have screwed up my credit so bad because of reporting late payments, I am screwed. And to the very few people that have put comments on here last year, I'll bet you're changing your tune now aren't you? Oh and some people have stated that they are paying online...how are you doing that because I don't have that option?
by shane casey From Dalhart, TX on August 10, 2010
this company has been a heartless rip off from day one with the whole Taylor Bean & Whitaker didn't take out enough escrow to jumping my payments up 150 a month if anyone on here has the ability to file a law suit against them I would definitely like to be a part of it this is ridiculous they are praying on the weak for personal gain as far as I'm concerned it is terrorism on american soil please somebody do something if you can!
by Cenlar doesn't care...why should I care. From Calhoun, GA on August 03, 2010
Cenlar can have my home. Don't bother with the modification Cenlar. Merry Christmas.
by Anonymous From Weymouth, MA on July 19, 2010
I think they were ill prepared to take on all the TB&W loans and I do not know if they are to be blamed for that entirely or not. They are not customer focuses and could not provide any information or help.
by VERY DISAPPOINTED From Rome, GA on July 19, 2010
Reaching someone who can actually speak english would be a start. All future loans will be subject not to ever be sold or serviced by CENLAR. As a consumer we should have some say to where our loans can serviced or sold!
by Anonymous From Myrtle Beach, SC on July 14, 2010
Worst experience in any business dealing in my 50-some years. Incompetent and irresponsible in caring for customers.
by Anonymous From Harrisburg, PA on July 10, 2010
Cenlar is a company who is scamming not just me but hundreds or even thousands of people. We have a mortgage that was bought by Cenlar from TB&W and we have had nothing but headaches since. They attempted to make us obtain flood insurance but it was unnecessary which we told them but they purchased a policy anyway. Now since we have received our LOMA and had the purchased flood insurance policy revoked they have now taken out a Hazard insurance policy out on us which is amusing because Hazard = homeowners which we already have. I have received other explanations including a 2 month "cushion" in my payments, statements that we owe back flood insurance and "I'm not sure what it is" Please be aware that the department of Treasury has a complaints division for national banks which Cenlar is the address is www.ustreas.gov and the phone # is 1-800-359-3898 I'm calling today, you probably should too
by Anonymous From East Hartford, CT on July 05, 2010
When TB&W went under, they charged me for two polities that I paid for! I sent letters and the insurance company faxed copies of the policies. I am still owed $3,000 and nothing has been done. What happened to my escrow? Why did they buy policies when I showed proof of insurance? CENLAR will not tell me who holds my mortgage, currently.
by Cindy Obester From Lakeland, GA on July 03, 2010
I had plans on finally going after a dream of mine to start a Veterans/horse rescue ranch. I was going after a PT job on weekends to help with the bills. I came home yesterday to find a letter from Cenlar saying my escrow account was minus from 08/09-07/10 in the amount of 1,340.17. According to them, I now have to pay 1,759.03 by August 1, 2010 or pay 718.03 a month. I am now paying 505.93. Now, last month my mortgage payment was lost or so they said. I had to pay 40.00 to cancel check and to send the other certified mail. I paid 200.00 in 2009 to go to principal and they never sent anything and I had to fight them to get a statement saying it went to principal. When my interest went up as well as taxes, I contacted them to ask if my mortgage payments needed to go up. They said no at the time. Now today, I get this impossible demand of having less than a month to come up with 1759.03 or pay 718.03 per month. Problem here is we are on fixed income and just paying the 505.93 is taxing. Now I have to forgo my trying to get funding for my Veterans/horse rescue ranch, get a full time job and part time and I have to do this while coming off disability (don't know if I can or not) in order to keep my house. My husband is a Veteran and has worked all his life for this BS. Now I'm finding this company is a bunch of foreigners? I will be filing with BBB and whoever else I can. I'm going try to get this on the news. I'm going try to refinance with our LOCAL bank, I'll see if attorneys at the base will take on this case. I'll be in contact with my tax assessor/insurance and am building my case. My immediate suggestion is to go to congress.org, find whoever is in control of finance companies/mortgages and send them your proof in snail mail. No use in e-mailing/phones as you don't have proof. I've been doing this for a long time. The only way you get response is to contact those in control with an old fashioned, typed/written complaint. You have no proof with E-mails/phone calls unless you draft it or record it, and then you don't have anything if it hits the courts. They want to see paper with signatures. Thanks to all of you for helping me to see I'm not alone.
by Ryan From Lake Placid, FL on July 02, 2010
Hey Kristen From Rock Hill, SC on June 07, 2010, What day exactly was your late and how much would your late fee be? CENLAR tried to tag on a $2.00 transaction fee to pay online REGARDLESS of it being paid on time. It says if you pay past the 6th, you would be charged $7.50, and $12.00 13 days past due. I want to know if they are telling you something different seeing as how you are so recent and having problems with them.
by Ron From Elgin, IL on June 23, 2010
I have been working with Cenlar on a loan modification.... FOR ONE YEAR! I am about to loose my house and Cenlar "representatives" have nothing to say! I call every single week and have turned in all proper documentation. I have even hired a company to call on my behalf... still nothing. Every time I call it is nearly impossible to even get the modification department (mitigation). I have heard everything from lies about which department I am actually talking to- to having a Cenlar representative ask me to stop calling! This company is horrible. Do not count on your modification to go through... no matter what Cenlar is saying to you.
by Loretta From Des Plaines, IL on June 20, 2010
What are people to do? Cenlar lower my payment after they took over my loan. In May I received a letter that my escrow account was short I had to come up with $3600 or they were going to raise my payment another $407 a month. I had to clean out my savings and now after reading these comments I terrified to call them about refinancing my home. I can't keep making these high payments and my home isn't worth anything. One last thing that I hate about Cenlar that I have to now mail in my payment otherwise you get charged for doing it online if you pay closer to the 15th of the month.
by Kristen From Rock Hill, SC on June 07, 2010
I do not want to be with CENLAR, I agree with many of the above comments about not being able to get any help, no english speaking people and that our monthly payments have increased, plus they want us to pay back $2000.00, because they say that TB&W didn't charge us enough for our escrow account. I told them they should have seen that when they bought our loan. They are an evil company that you cannot get any answers from. Let me know if you'll decide to file a law suit, I will join. email@example.com
by Anonymous From Port Huron, MI on May 29, 2010
terrible service and agree about the class action lawsuit!
by rushville mo From Rushville, MO on May 19, 2010
I HAVE BEEN HASSLED BY THEM SINCE THEY TOOK OVER. MY TAXES WERE TO BE PAID 2 MONTHS AGO AN IF NOT PAID BY AUGUST. COUNTY SAYS IT GOES UP FOR AUCTION
by Bill O From Watertown, MA on April 10, 2010
like may tbw to cenlar.. was in for a loan mod or refinance with tbw since march 09, then re-filed with cenlar they lost paperwork for 6 months after sending it 4-5 times.. finally in February 2010 they said its all set will be only 30 more days. march 1 -31 2010 called and emailed everyday with no answers from then a nd now april 11th i get a noticed they sold my loan to oclaew and now i have to do this all over again.. I don't know how they got a good rating prior as they have been worse than TBW
by Anonymous From North Las Vegas, NV on April 10, 2010
by Andrea From Morris, IL on March 24, 2010
I have been trying to get answers since Oct 09 on a refund check of 65.80 cenlar owes me from a mess up on their end. cant get a straight answer from and of the 16 reps i have spoken to since oct 09
by Anonymous From Morris, IL on March 24, 2010
by Sucker From Newark, DE on March 23, 2010
Nothing but aggravation time and again and I have been dealing with them for months. Class Action Law suit is in order.
by ralph Alves From Santa Rosa, CA on March 12, 2010
never gave me a concrete answer on loan modification, excessive duplication on requested paper work
by Disgruntled D From Phoenix, AZ on March 08, 2010
Unfortunately, I have a loan serviced by CENLAR. Last February 2009, after a pay cut, an increased credit card payment minimum, and a house that is $70,000 underwater, I was told I pre-qualified for a mortgage loan modification. It is now March, 2010. Though I have received letters denying my application and a promise for "someone" to call me back, I have never received a call from CENLAR. Instead, I call repeatedly and get shuffled around without my questions answered and yes, I do call the loan mitigation department that is suppose to know these answers. CENLAR is a servicing company for Fannie Mae with a BBB rating of an F. All I want to do now is get away from this sad excuse for a company. If you have the option, do not choose this company. If you don't have the option, please try to negotiate out of it or find another entity to help you.
by Vicki From Pahrump, NV on February 24, 2010
Did not hear from them when tBW first shut down. But after 2 months got a letter with a payment coupon.about 90 days after Cenlar took over received coupon book and letter saying I would not be charged late fees, nor have they reported to credit bureas. So give them a chance. They got all of TBWs loans all at once.
by Bill From Yorba Linda, CA on February 22, 2010
Cenlar picked up our TB&W mortgage last August. TB&W cashed our August payment on the same day we received the letter from Cenlar announcing that they have assumed our loan. However, Cenlar never acknowledged the August payment and when I paid my September payment to Cenlar, they acknowledged that it was for August. What happened to the August payment to TB&W? I've been fighting with them ever since. They owe me $1,750. Does anyone know if there is some government agency that we can contact on this?
by james dorn From West Palm Beach, FL on February 18, 2010
I received a 6500 credit once but they still owe me approximate 1500 they have never paid my insurance or taxes on time but they have given credit when threatened enough. their computer automatically calculates your mortgage balance a little higher each month, as I said I got an adjustment of 6500 by screaming for a year and a half, finally they buckled but they have started again.
by Bowles From Oakley, CA on February 18, 2010
Wow, I knew it was bad but really it is terrible. We had just gotten our account analyis and it stated that we were $2160 short on our escrow account and they were going to expect the payment in full or start tacking on an extra $500 a month...hello we are already trying to do a modification because we cannot afford our normal monthly, so we ended up removing our taxes and insurance from the monthly payment so they could not ask for more cushion for the predicted taxes, this is just outrageous. We have been working with a law group to get our modification done and they are coming to a head with stall tactics with CENLAR saying we need to refinance first and get denied. Hello, our value of our house is lower than what the loan is already, and one of us is out of work...how can you refinance under those conditions...they just are making no sense. Where do we sign up for this class action law suit?
by wendy graham From Tijeras, NM on February 16, 2010
Cenlar is not paying our homeowners insurance premiums either even though we are paying for it. Our insurance will be cancelled on February, 20, 2010 if not paid. I have been dealing with this since October, 2009 and am not having any luck resolving it and I am sick of being routed to New Delhi, India....can we get together a class action lawsuit?
by Sam From Centerville, UT on February 15, 2010
I've decided NOT to file the class action. It's not that I don't want to do this, but I have two problems. 1) I have not had enough response from people to justify filing the action. 2) I'm not sure I have the time to take them on. I was able to achieve success using the company email as suggested on this site. Good luck to everyone and sorry I can't help you all.
by J. Anderson From Pittsburg, CA on February 09, 2010
CENLAR is a mess. CENLAR impounds my funds to pay taxes and insurance. Now they threaten to place my insurance with a company that may charge premiums that are substantially more than my company and CENLAR may earn commissions or income in conjunction with placement of such insurance. The kicker of course is that such insurance would only be necessary if they failed to pay the insurance for which CENLAR was impounding!
by ryan chambless From Jacksonville, AL on February 02, 2010
this company stinks. i haven't talked to an english speaking person yet, where do we live cuba? this seems to be some sort of communist organization. they are fooling with my livelihood and raising my monthly payment- for what reason they cannot tell me. house ins. and taxes haven't gone up so? ready to refinance else where OR SUE there A$$
by Amjood khoon From Brooklyn, NY on January 31, 2010
by Charles & Kay Evans From Guyton, GA on January 29, 2010
CENLAR is the worst company I have ever dealt with. Our loan is in escrow also. Our insurance was due for renewal in October. About 2 weeks before the renewal date we received notice from our Insurance company that our premium had not been paid. I called Cenlar and spoke to a foreign woman whom I could not understand. I finally understood that my insurance had been paid and I got the address to which it was sent. I called my Insurance company and gave them this payment information. They sent my payment to the WRONG company. Myself, my Insurance Company & a Cenlar Rep.(once again a foreigner) ended up on a conference call. This was a total disaster. My Insurance Company repeatedly asked to speak to a supervisor. They REFUSED to let us speak to one. Long story short we ended up having to pay our Insurance for a quarter. I spent countless hours & numerous days on the phone trying to straighten this mess out. We were eventually refunded a portion of our money from our Insurance Company. When I received the transfer notice from TB&W in August. I did everything the notice told me to do concerning Insurance & taxes. I'd like to add that we had never been late on our payments to TB&W. After I got the Insurance mess cleared up I confirmed with Cenlar that they had the correct mailing Information for my taxes. I did not worry about it anymore until today. I went online to make my monthly payment as usual. Something told me to go to the home page & Oh My Goodness that is when I found all these negative comments & realized that we are not the only ones to have trouble with this company. I will be on the phone with my Co.Tax Assesors office today to make sure my taxes have been paid. To say the least I don't have a good feeling. I will definitely want IN on this class action lawsuit & will be making the necessary contacts. My email address is firstname.lastname@example.org
by Anonymous From Springfield, MO on January 27, 2010
Well, I didn't know how bad things were for other Cenlar customers until now. We refinanced our home at the beginning of December and were required to pay our property taxes at closing. Cenlar is claiming to have paid the taxes as well, but our collector of revenue has not received anything from Cenlar. So I have tried to find ou where our tax money has gone for over a month and Cenlar isn't to sure either. They say to with 5-7 days again. I will see in a week what happens, but after that I don't know what else to do.
by richard shetter From Los Lunas, NM on January 23, 2010
by Ken From Dallas, GA on January 14, 2010
This is a Joke - They do not plan to report to any credit agency until 2/11 this could potentially go on for months!! Can not refi due to this. no credit agency payment history available for mortgage companies to use for a freddie to freddie refi. I was a transfer from T B & W. THIS REALLY SUCKS ! CENLAR is breaking the law by not reporting! What are we going to do! All of US. ???
by golflady From Mesquite, NV on January 14, 2010
I tried to email you sam and still have no response.
by Sam From Centerville, UT on January 09, 2010
I should mention that I am a solo practitioner. I am by no means a rich lawyer out looking for a buck. I have tried for weeks to talk with someone who can help me and have tried in vain to get someone. My personal mortgage continues to go up while my property taxes and insurance have all gone down (on a fixed rate loan). No one I talk to will help me. When I tried to contact corporate counsel, I was transferred back to the customer service line. Unbelievable. I do not have the resources to take on a large corporation, as Cenlar is, but I can pony up the $350 to file the suit and see if I can’t get their attention. When I found this site, it was comforting (and saddening) to me to know that there were a lot other people in my shoes, I decided that I have the skills and the ability to at least give it a shot. I’ll sue them on behalf of us all, and maybe we can get their attention. But this is a plea for your help. Send me what documentation you have. I’ll need it to try to make a case that this is not an isolated incident. The court will have to certify that we are a class: that there are more than one victim. If I can get that ruling, then Cenlar will have an obligation to notify every member of the class–everyone who holds a Cenlar loan.
by Sam From Centerville, UT on January 08, 2010
Folks, I have determined in consultation with co-counsel that I will be filing a class action lawsuit in the State of Utah for various violations of Federal law. It will be filed in the next two weeks or so. If you are interested in opting into the class, please contact me. You do not have to be a Utah resident to be a member of the class. If Cenlar holds your mortgage, you are a member of the class. I will be asking the court to require Cenlar mortgage to send a notice to all Cenlar customers of their membership in the class. Look up Sam Newton on the Utah State bar's website and contact me. There is no cost to opt-into the class. I know the rules don't allow any personal contact information to be posted on this forum and I hope they don't delete this comment because we need to right these wrongs. I have been a personal victim of their unethical and frankly, illegal practices, and I will donate my time, at no cost to attempt to right this illegal conduct. Please feel free to send me any information you have which you think will help us make this case. I will do my best for us all. My contact information: Samuel P. Newton, Attorney at Law PO Box 255 Centerville, UT 84014
by Kenney From Athens, GA on January 08, 2010
I faxed my insurance information to this company in September the renewal for my insurance and to my knowledge everything was ok until I got a cancellation notice from CENLAR stating my insurance had been cancelled and now I have to try to get insurance policy with should have been paid through my escrow. This company is a "joke". Never received anything from then telling me they had not received my insurance information until January 2, 2010. My renewal was due in NOvember 2009. My comment is that this company is a bunch of foreigners that cannot understand ENGLISH and do not know what is going on in the UNITED STATES when it comes to handling Business.
by CS From Sandy, UT on January 06, 2010
This is the worst experience I've ever had. I'm a TB&W transfer. Everything was going fine for a month or two, but now I just got something in the mail stating that my mortgage payment is bumping up $800 a month. Customer service is nonexistent and I can't get any answers. I just emailed all of the big wigs in the company with a fairly bold letter. We'll see if anything happens. To say I'm frustrated is an extreme understatement. This is just wrong. I refuse to pay until this is resolved and I invite any of you that are in my same boat to do the same.
by Former TBW From Bloomington, IL on January 06, 2010
I work in the mortgage industry so I know how these companies operate on the inside....Cenlar lies, makes up stories that I've caught them violating RESPA. They cut money out of my escrow account from the seized assets of TBW and have not refunded my escrow account. I'm not sure where to go next. As far as I'm concerned, the government needs to re-evaluate the steps necessary to continue operations at a company that they seize....besides one of the BIG THREE auto manufacturers.
by Anonymous From Houston, TX on January 04, 2010
We are also experience extreme incompetence with Cenlar. We had a TBW loan. Our property taxes and insurance are delinquent. We called today, and they said they paid DOUBLE for our property taxes. What!?! They are horrible. When we call to ask questions, they all say they don't know and to send a fax to a number, where we have sent several faxes. This is totally awful. We are seriously considering a lawyer, because this type of customer service is unacceptable.
by Lisa From Red Lion, PA on January 03, 2010
If anyone is on Facebook please search "Cenlar" in the search bar. I have created a group for everyone in the same boat as I. My group is titled "Homeowner's Against Cenlar." I'm looking for legal answers for all of us and will be updating everyone through this group.
by Anonymous From Cottonwood, AZ on December 31, 2009
These people are idiots who cannot seem to get anything right- Our homeowners insurance was cancelled because these idiots were "collecting" it each month but "sending it to the wrong company"! Now today, I get another letter telling me "gain" about the cancellation of our insurance on our home! I just talked to you idiots on Monday and you "supposedly" talked to our insurance company and assured them they would get payment "immediately"! I feel bad for the people who work there and get to listen to all the valid complaints about such an anal company! Checking into re-financing with a reputable company not a fly by the seat of their pants company- Totally fed up! b n
by joe Stewart From Rock Spring, GA on December 30, 2009
no help available
by Anonymous From Conway, AR on December 29, 2009
How do you deal with an absent company?? Who can get in touch?? I can't find them to pay off my loan!!!!!!! What do you do? I guess turn it over to a lawyer----
by Mark Hutson From Jacksonville, TX on December 22, 2009
I too am a former TB&W transferee. I could write a book here but essentially CENLAR has "lost" several thousand dollars from my escrow account and they want $200/month more in January to make up the shortage. I have physical proof of what my escrow balance should be (it is NOT negative). I have submitted "qualified written requests" under 12 USC Section 2605(e)(1)(B) and have yet to receive an accounting as to where escrow monies went. Can anybody help us? This is theft.
by Julie From Hayden, AL on December 22, 2009
The absolutely worst company I have ever had to deal with! They did not pay my insurance from escrow so I paid it and sent the receipt to the number given by customer service (after trying for an hour to speak with someone). A month later I spent another couple of hours trying to get through only to be told that I sent it to the wrong number. I sent it again to the "right" number. That was a month ago. I was told yesterday to send it again to another "right" number. I called again today and was told that a payment was going out to my insurance company and it would be up to my insurance company to reimburse me for the double payment. My insurance was due in August...this is DECEMBER! I had to pay credit card interest on that insurance payment. I didn't have the extra money lying around. Is there a class action lawsuit here? I'm willing.
by Anonymous From Gilbert, AZ on December 17, 2009
Terrible company. NO response to emails or phone calls. PLEASE SELL MY LOAN TO SOMEONE ELSE.
by anonymous From San Antonio, TX on December 16, 2009
Cenlar raised our payments by 400 dollars without any notice. I'm very upset.
by janice From Peabody, MA on December 15, 2009
this company sucks! my hazzard insurance hasn't been paid either. when tbw folded and cenlar took over my insurance wa paid in full for the year.. now payment is ue and like everybody else i can't get in touch with thee people. What is the solution?
by mike From Modesto, CA on December 14, 2009
After viewing my account I noticed cenlar deducted for taxes from my escrow account that were already paid by T,B.and W. I emailed them with never a response,so I called , I could not understand the first rep , heavy foreign accent the second rep wasn't much better. finally the third rep was more clear but not to good with listing to what I was trying to tell him. A supervisor call me the next day ,said "I have corrected the account its all ok now" I said I'll look at my account when I get home from work and see your correction, I got into my account and there was no change made. what do I do now? cenlar is in control, I have the documents to prove my case , they control my account.
by Anonymous From Downingtown, PA on December 11, 2009
This is the worst company I have ever dealt with. I have been trying for four months to get my taxes paid. The keep promising payment and nothing happens. You can never talk to anyone above a supervisor level. I'm not sure what to do. There is now a penalty on my taxes and I cannot afford to pay them out of pocket to keep my house from having a lien against it. I may have to refinance at my local credit union or get a lawyer involved. You cannot find any US based information on this company. No legit websites which, in itself, is cause for alarm.
by Anonymous From Hamden, CT on December 10, 2009
PLEASE SELL OUR LOAN ! SINCE YOU REFUSE TO HELP US WITH A LOAN MOD. AND NEVER ANSWER ANY OF OUR EMAIL, PHONE CALLS OR FAXES. WE ARE NOW IN THE REAR AND SEE NO FUTURE WITH YOUR COMPANY ! SINCE YOU TOOK OVER IN August 2009 YOU HAVE HELD ONTO A CHECK ABOUT $7000.00 AND HAVE REFUSE TO GIVE US OUR MONEY ! NOW THAT WE CAN NOT PAY THE LOAN AND WE HAVE NOTIFIED YOU Every month ABOUT OUR Hardships AS WELL YOU STILL WILL NOT responded IN THE MEAN TIME YOU HAVE MADE IT Impossible FOR US TO GO ELSE WERE knowing WE COULD NOT MAKE ANY Further PAYMENTS ALSO THE HOUSE HAS A OUTSTANDING BALANCE OF $340,000 AND WE JUST HAD IT Appraised AND IT CAME BACK @ $197,000 AND ONLY GETS WORSE SINCE THE HOME AND NEIGHBORHOOD IS DECLINING ! HAPPY HOLIDAYS
by Pam From Livermore Falls, ME on December 02, 2009
I am a former TBW customer also. I was about to close on my modification but TBW was seized the day I was to sign the closing papers. Well I contacted Hope Hotline was helped by a wonderful lady at the hotline who then transferred me to a counselor at cccs atlanta which was I thought at the time very helpful emailed me my steps to take to advantage of the making home affordable refinance once again starting over sent all my paperwork to Cenlar to receive a letter less than 2 weeks later stating they cannot help me because I have a Freddie Mac loan and they do not originate loans and could not help me. WRONG ANSWER CENLAR! I know for a fact that if I have a Freddie Mac loan I automatically qualify for the refinance and incentives of $5000.00 dollars removed from my principal balance after my 5 year lower interest rate I have coming to me I then contacted cccs atlanta and was advised the mortgage servicer is not obligated to help me so why did CENLAR send the paperwork if they can't help????? stall tactics so when the government finally catches up with their unethical tactics they have time to make more money of the hard working Americans that have given them money to help us... Wake Up People... I want in on the class action law suit and fast. I have recently taken a cut in pay of 2.00 an hour the greed of these banks is unbelievable and to think they care about anyone of you is simply crazy. I have been jerked around long enough since February of this year. I have filed a complaint with the Better Business Bureau and I suggest you all do the same.
by flournoy From Leander, TX on December 02, 2009
This is the worst company I have dealt with. Not only do you not get to speak with an american, you can never get ahold of anyone. They did not pay my home owners insurance and it has expired. I now sit in a home with no insurance.
by CAN NO LONGER MAKE PAYMENTS From Hamden, CT on November 30, 2009
DEAR CENLAR, WE HAVE TRIED ENDLESS TIMES TO REACH YOU BY PHONE , EMAILS, AND FAX AND STILL NO REPLY? OUR HOME WAS WORTH OVER $340,000.00 AND WE NEVER MISSED A PAYMENT IN 10 YEARS OR WAS EVER LATE. ONE YEAR AGO WE HAVE TRIED TO TALK TO TBW, AND THEN YOUR COMPANY SINCE WE FOUND OUT YOU ONLY BUY THE LOANS THAT ARE Current. Well SINCE A YEAR AGO AS I STATED, I WAS INJURED AT WORK WITH HEAD Trauma NO INCOME FROM WORK WHAT SO EVER ENDLESS MEDICAL TREATMENT AND STILL UNABLE TO WORK, AND HAVE MADE ALL CURRENT PAYMENTS TILL NOW ! OUR CREDIT IS RUINED OUR HOME VALUE HAS DROPPED TO $210,000.00 AND WE CAN NO LONGER MAKE ANY PAYMENTS! WE ARE BEHIND NOW FOR NOVEMBER AND WILL NOT BE ABLE TO MAKE ANY OTHER PAYMENTS TO YOU! WE HAVE TRIED EVERYTHING LIKE WE STATED ABOUT LOAN MOD. AND WE MAY HAVE BEEN ABLE TO WORK OUT A NEW PAYMENT PLAN BUT YOU STILL WOULD NOT RETURN ANY CALLS! THE HOUSE IS NOW IN HORRIBLE condition BROKEN PIPES, FLOODING DAILY, SO EVEN MORE NOW THAN EVER IS THE HOUSE WORTHLESS THAN THE ESTIMATED VALUE OF 210,000.00. WE HAD OUR THANKSGIVING DINNER OUT OF CANS THIS YEAR HOW BLESSED WE WERE JUST TO HAVE FOOD! THIS CHRISTMAS WE WILL WISH THAT JESUS WILL FORGIVE YOU FOR YOUR LACK OF UNDERSTANDING GOD BLESS, THE FAMILY OF UNKNOWNS
by darlene denney From Conrad, MT on November 29, 2009
I am also a roll over from TBW, I have also made payments that have not been posted and have not been able to contact them. i have never dealt with a company this bad in my life.
by Peter Vladimery From Wilmington, NC on November 24, 2009
Hurricane Fran September 1996 took the house I was living in into the ocean, Kure Beach, NC, I lost everything. FEMA/SBA gave me a loan to get me back on my feet, the loan was sold 3 times and the last company was Cenlar, Cenlar reported this loan to credit reporting agencies as a MORTGAGE LOAN attached to the property that I was renting, I wish I owned that ocean front property, worth 1 mil., I have been trying to get Cenlar to correct this mistake because I am trying to refinance my primary home, the lender sees on my credit report that I have a loan attached to a property and until I prove to them that it isn't, so I can't get my loan. I have been trying to get Cenlar to send a simple letter to mortgage co. stating the loan is not attached to any property. I have faxed several letters, called on daily basis their no service customer service department for over a month and have got nowhere with them, meanwhile I have lost $2000 in mortgage interest and I am about to lose my refinance deal, which will keep me from foreclosure, DOES ANYONE HAVE ANY SOLUTION TO MY dilemma????
by moon4 From Bremen, GA on November 24, 2009
Cenlar just slammed me for 150.00 more a month on my home payment. What is going on!! They are Greedy and need accounting classes, oops they did take them from our Government!!
by cenlar From New Haven, CT on November 22, 2009
to all you losers just keep paying us
by Anonymous From Easley, SC on November 17, 2009
I want in on the class action lawsuit! I am already preparing to sue them on my own. Cenlar FSB is trying to force me into escrow, I have never been in escrow and have had my mortgage for a long time. I have also never defaulted on my insurance. My mortgage payment after I refinanced with TB&W was 489 monthly, my taxes last year were less than 500 and my insurance is 980 a year, but I pay it monthly. Cenlar is trying to raise my payment to 800 monthly! I have faxed them my proof of insurance several times, one week after the last fax to Cenlar, I received a check from my insurance company for all of the money I had paid this year along with a letter stating that Cenlar had paid the 980 in full! I did not cash the check, I contacted the insurance company, they in turn sent the check back to Cenlar, yet my payment still has not been adjusted. They are now threatening me with foreclosure unless I start paying them 800 a month, FOR WHAT???
by WATCHER:) From New Haven, CT on November 13, 2009
HOW CAN OUR GOVERNMENT JUST WATCH THIS? Because FROM THE TOP OF THE CHAIN TO THE Bottom THEY ALL HAVE THEIR HANDS IN THE COOKIE JAR JUST TAKING WHAT THEY WANT!
by Anonymous From Arlington, VA on November 12, 2009
the worst!!!!!! service you will ever have!!!!
by dan garrison From Hamden, CT on November 12, 2009
no return calls since 12/09 from either tbw or cenlar about a loan mod. not paying our taxes or insurance . no response except once telling use on a recorded phone conversation not to pay the mortgage which we will enter into our court case with full permission to record the conversation! made us sick
by does it matter From Hamden, CT on November 12, 2009
cenlar has took up were tbw left off! I have never been late with our mortgage in 10 years but do to a medical hardship have been trying to get a loan mod. now since 12/08 we have tried to contact Tbw AND HAVE NO LUCK AND FOR THE PAST FOUR MONTHS WITH cenlar STILL NO response! Well thank God for Bankruptcy laws . I cannot make anymore payments and will join the rest of todays folks losing their home !I WILL FILE BK at the very last minute. dragging this case through the court system and by then a year will have gone by and I should be back on my feet in a new home after my discharge letter but in the mean time I will be saving living mortgage free! If this is how I should do it we all should the only way to KILL A SNAKE IS BY CUTTING THE HEAD OFF! WE continue to feed the snake they will not care but if you all stop feeding it then you will get a response and by the way if your credit is already marked you have nothing to lose!Pay a bk lawyer $600.00 to $1000.00 dollars it will save you a min. of over 12,000,00 in the long run plus by then you will have a new home a better place and let some one else have your old home ! It MAKES COMPLETE sense TO BUY A NEW HOME WITH RATES SO LOW AS WELL AS THE MARKET TODAY YOU WILL GET TWICE THE HOME FOR 1/2 THE PRICE!ALSO DO NOT AD YOUR INSURANCE AND TAX PAYMENTS INTO YOUR NEW MORTGAGE HAVE IT PUT INTO A 6 month CD AND YOU EARN THE INTEREST NOT A BANK! IT IS YOUR MONEY NOT THE BANKS AND BESIDES DO NOT WE ALL HAVE TO CALL THE mortgage. COMPANIES AND REMIND THEM TO PAY AND STILL GET HIT WITH A LATE FEE DO TO THERE FORGETFULNESS ? SO THEY CLAIM!
by FED UP From Sharpsville, PA on November 11, 2009
Cenlar is the worst mortgage company ever. I also have been trying to get my taxes paid and they are not paying mine either. I have turned them into the BBB. They just keep telling me to re-fax them and they will be paid. It has been three months now and they still are not paid. I cannot believe they are allowed to be in business. Hopefully we will be resold soon to someone who knows what they are doing. I cannot afford to refinance at this point but I will definitely doing so as soon as I can.
by Dean From Layton, UT on November 11, 2009
I just found out today that Cenlar does not report your on time mortgage payments to Trans Union, Equifax, and Experian. If you want your most important payment counted on your credit report I would suggest you look for another loan service provider. I will be refinancing as soon as possible!
by fed up with Cenlar From Andover, NJ on November 10, 2009
This company is horrible. I was a transfer from TBW. They have screwed me around since day one. I can only hope they sell my account to a reputable company and Cenlar goes out of business as not to screw over anyone else!
by Anonymous From Union City, GA on November 10, 2009
this company sucks. i sent them a money order by usps with a confirmation number. a couple of weeks later they send me a letter saying they didn't get the money order, so i tracked it and it showed at their business and wasn't processed. i told the agent this and told them I sent them a copy of money order and usps tracking info. they still didn't investigate it and then i checked my annual credit history and they put a late payment on there. After i cancelled the money order and resent it. i asked for it to be removed and they said they cannot remove it. i hate this company
by Joanna S From Enola, PA on November 06, 2009
I can't bring myself to read all of these posts, but I can say I have experienced most of the problems below. I did NOT pay my insurance or taxes out of pocket because I was fortunate enough to be too ignorant to know they were due...Thank TBW and Cenlar. I tried to make a payment by phone today because Cenlar is admittedly NOT sending statements or coupon books. There is too much confusion with due dates, so the "decision was made" to just not send them Hello!!! Do you want your money Cenlar? I hung up the phone without paying today because they don't do credit or debit cards. Only bank info.....I didn't have that info with me so I hung up without making a payment--or so I thought. When i called back 6 hours later I was informed that someone had processed the transaction without my authorization....YES CENLAR ACCESSED MY BANK ACCOUNT AND TOOK MY PAYMENT WITHOUT MY CONSENT. I did get a very nice person on the line at 866-430-9686. She admitted all of the wrongs and did not try to justify it. Simply admitted it. I will tell you all this. If you have paid them over the phone, their customer service reps EVERYWHERE have ACCESS TO VIEW YOUR BANK ACCOUNT INFORMATION. This has me so upset, I'm ready to close out my bank account and start again....
by Anonymous From Eldred, IL on November 06, 2009
CENLAR has only paid half of my property taxes and now the rest are delinquent, which means the county is going to sell my tax debt. I've called CENLAR a half dozen times, sent faxes and they can't seem to get it together enough to pay my taxes out of my escrow account. Being told to 'be patient' during this transition, doesn't mean a damn thing to my county tax collector! Had I received the tax bill I would have paid it - but I pay CENLAR to pay it and they are too incompetent to do so!
by Anonymous From Loganville, GA on November 05, 2009
Class action lawsuit sounds great let's do it.
by Keith Clay From Loganville, GA on November 05, 2009
The worst company I have ever tried to deal with. You can't even pay this bunch of Yankee idiots
by John Hashek From Fort Myers Beach, FL on November 02, 2009
I was notified on 8/25/09 that TBW transferred my loan to Cenlar, I made my payment to TBW on 8/23 (that check I was told was locked up in Lockbox and I stopped payment and issued a new check to Cenlar) I also was in my last month of trial period for my approved loan modification. Getting anybody at Cenlar by phone, mail, fax or email was impossible. Dozens of attempts, not one reply. Cenlar's MISSION STATEMENT: TO PROVIDE INNOVATIVE, HIGH Quality, PROFESSIONAL SERVICES TO OUR CUSTOMERS. I have had to hire an Attorney and withhold any further payments to get my attention and respond to where is my loan modification?
by Another TB&W Customer From Edison, NJ on October 31, 2009
You people need to start pointing the finger of blame in the right direction. TBW was a bunch of scamming, lying lowlifes and they got what was coming to them. When I called cenlar about my mortgage, the representative that I spoke with told me that they had ONE WEEK of notice before Freddie Mac transferred the servicing of all current TBW loans to them. This same rep told me that Cenlar had only serviced about 200-220k loans prior to TBW going under...what this means is that Cenlar more than doubled in size with one week's notice. I can imagine that these people are under incredible amounts of stress because of this - they probably didn't have the man or the machine power to handle everything. Do a google search for "Will County Taxes Cenlar" or something to that degree and see what turns up. These people are really trying and it's not fair that you take it out on them.
by Rob From Lexington, MA on October 28, 2009
Our loan was sold to Cenlar by Taylorbean, we have the worst experience ever with a company like Cenlar. You cannot get any information of your mortgage. No mail statement and I was blocked to see it online either. They made our life a nightmare. We Hope to get rid of it ASAP.
by Bob from Pine Hall NC From Pine Hall, NC on October 26, 2009
CENLAR is great. My mortgage was with TBW who went under. Cenlar now services my loan and I have had nothing but good experiences with them. TBW got what was coming to them. Be patient with Cenlar as they just took on over 250K loans. They will do you right.
by Allison From Rockingham, NC on October 22, 2009
Somewhere in one of these comments a helpful young man gave the website that showed the email addresses of all the "big wigs" at cenlar... I Email ALL of them a very nasty email and got a call the next day.... it was either that or the fact that I called my Senator and they contacted the company, too!! I would definitely recommend that to all of you who are having problems... Contact your Senator!! worked for me and now I am refinancing with another company and closing on Monday!! Thank God!!!
by Anonymous From Oakley, CA on October 22, 2009
Been working with CENLAR trying to modify our loan, but they are just a processing company, not the actual bank. Terrible customer service. 2 hours on hold total, 6 different people, no answers. 2 hang ups. "Produce the NOTE!" They don't have it!
by Anonymous From Lansing, IL on October 21, 2009
Link to PDF file with Names, Title, Email, Fax #'s and Phone extension #'s for Cenlar. Download file and view with a PDF reader. http://www.njleague.com/DirectoryFiles/Members/Cenlar.pdf My wife had contacted one of these numbers and got right through. Our problem is supposedly now solved.
by Freddel From Walnut Creek, CA on October 18, 2009
My September payment sent to TBW is in limbo. Processing of my modified loan has ceased. Communication with CENLAR is next to impossible--whether by phone, e-mail, or snail mail.
by Ron From Long Valley, NJ on October 16, 2009
It is impossible to speak with anyone at this company. Their customer service is horrible. They don't like picking up the phone but have no problem cashing your check. Wells Fargo sold my loan to this company and i am very dis satisfied with them.
by Anonymous From Mesquite, NV on October 15, 2009
Same problem Steve. After 4 faxes, 6 phone calls and three confirmations that I waived my escrow account they still took the $$$. Today I told them I am NOT sending them $$ until they get the ducks in a row. I could not get on the website you suggested Steve from Shelton. Perhaps if we all went to our local TV stations we could band together or call Clark Howard or someone who could bring this to light. ENOUGH is enough. Is anyone savvy with any ideas how to make this public?? Forums or print or TV. Julie
by Steve Gray From Shelton, WA on October 14, 2009
After the collapsing of Taylor, Bean and Whitaker. We got a statement in the mail from a new company, called Cenlar, informing us to send them a check for our September payment and requesting optional bank info to take out future monthly payments. We have always had our payment on autopay and so we offered the bank info. What do they do, they cashed our check and then just 1 day later they took another payment for auto pay! What the heck? Then I called them and was placed on hold for 45 mins and said that they deeply apologized for the mistake and they would skip October's auto pay and the next payment would be November 1st. Guess what? They took my payment out for October instead of skipping it as I was told. I went online to Cenlar and now it says online that we are not due until December 1st now. So I was forced to go down to my bank and pay a $30.00 fee to make a stop payment so this out of control outfit will not take out any more money without my permission with any surprises. I can't imagine a family going from paycheck to pay check getting hit like us and all of the bank fees from bouncing checks and negative debits from their card? Today, I looked online I saw where my checked cleared on 9/8 and then they next day on the 9th where the autopay kicked in when it shouldn't have. Although it did the amount should have all went to principal except for a few cents of interest for a day. Nope, $1,046.00 was deducted and only $185.00 went to principal and the rest of it went to interest. I guess in India they have a different numbers system when it comes to interest rates? I emailed feedback to them and it said what time can we call you and expect a call with 48 hours. It is has been a week and the call still hasn't came? Another website that I have been to also had complaints had this pdf file that has a bunch of email addresses of some BIG WIGS of this company. One person said that they did that stating their complaint and apparently got a return call within 2 hours. Here is the PDF File address: http//www.njleague.com/Directory Files/Members/Cenlar.pdf We are going to search for another bank or mortgage company to take over our loan. We pay our own taxes and insurance which is taken out monthly and our taxes semi-annually from our bank account. Now most of the banks we have talked to are willing to do a new refinance loan with a lower %, but we need a $700.00 escrow account to take out for taxes and insurance. This Cenlar Co. doesn't know how to pay taxes or insurance leaving a lot of customers sleepless at night hoping that their house doesn't catch on fire or come in contact with flooding waters. That also doesn't count about the fear of the county coming to take their property from them because of no taxes being paid. I will leave you all with a phone number that some people have blogged that seems to work better for contact: 1-800-223-6527. Here is the page for all payments and contact #'s for insurance,taxes and payoff amounts. https://www.loanadministration.com/loanadministration/cenlar_contact us_FGFHFI.html No promises if you will get a live person that will not hang up on you or truthfully help you. The best that I can do to help the population that is in this same mess that I and everyone else is in. Their is some talk of a Class Action Suit. We shall see if someone with some extra money moves fwd and actually does something? I hope my expressions with this company help some of you like others have helped me. I wish you luck! ~Steve~ Shelton, WA
by LGL From Birmingham, AL on October 14, 2009
What a joke,,,, I am so tired of messing with this mortgage, only thing is no one else wants to buy mine since it is a freddie mac loan. I am also having problems with my escrow account and hoping my taxes are paid. It makes you want to just foreclose and forget it. I have always paid on time and have never had this much trouble. Another goof up by our wonderful government.
by frustrated From Victorville, CA on October 13, 2009
I'm all for a class action suit. My payment increased supposedly due to tax increase-how is that possible when property values are at a 30% decrease? TBW were crooks, what's up with Cenlar?
by dan From North Aurora, IL on October 12, 2009
Cenlar's actions are costing people time and money!!!!! I think a class action lawsuit is in order seeing how they wont be able to hang up on or misdirect a court order!!!!!! we should create a forum to share information. Any ideas email me at email@example.com
by sean d From Aston, PA on October 09, 2009
i just got off the phone with Cenlar. It is apparent that they only service the loans. your mortgages that were with TBW were NOT sold to cenlar. TBW wasn't a mortgage company, these loans are backed by freddie mac, or fanny may, not sure which one she said. The loans you had before were the same, except TBW was a front for FB, and could refi for you. TBW was a service company also, but had the ability to refi under their "name", when in fact in was fanny may that was the loan backer. came right from the horses mouht at cenlar when i started questioning them. I want my mortgage with a MORTGAGE COMPANY, no a service company. also they said my mortgage amount was lower, which they said was due to tax lowering, its like $25 and i told her she better be right, or i'll take the hour drive to trenton to talk to someone in person!!!!
by heagy From Edgewater, NJ on October 09, 2009
I received a letter from the TB&W Bank advising me of the Government. program about refinancing my mortgage. I applied as stated online and submitted my application online. Recently I received a letter from Cenlar FSB that my loan was transferred from TB&W to Cenlar FSB. After a month Cenlar say they does not originate loans . I tried to find servicers, counselors, and another ways for helping me . It is hard to find new mortgage servicers one bank say that they can help a borrower guaranteed by only Fannie Mae on Making Home Affordable Programs. I have not heard anything from mortgage servicers, a list of approved lenders along with phone numbers which I already reached I believe I am eligible for refinance through MHAP Most banks assist a own customer for refinance through MHAP Bank say you should talk your service bank Where is my bank? When Freddie Mac let my loans transfer to Cenlar FSB , you should not let borrowers by TB&W go to difficult situation. I look forward to your response and explanation.
by LV From Beaverton, OR on October 06, 2009
I admit that their way of communicating the TBW switchover was terrible - I thought it was a scam! But after accidentally being disconnected on my first call to them, I got through to a nice woman named Keana who helped me tremendously! I think it's all going to be okay now.
by Anonymous From Huntington, WV on October 02, 2009
I have to say I was out of the country when the whole situation with TB&W went down and then started trying to do research because my flood and home insurance was due at the end of August. I had an escrow account, but to date they still have not paid my insurance. My flood insurance was going to be cancelled so I had to pay for it again..out of pocket. They say they will reimburse me as soon as I fax them the receipts, but I am not holding my breath. Whenever I do talk to them I just get a response that they are getting to these things, but I cannot get any real answers. It is infuriating and I never had any issues with TB&W. If they could not handle all of these account they should have never taken them on!
by FURIOUS JIM From Flower Mound, TX on October 01, 2009
CENLAR IS A JOKE, A SCAM, PROBABLY A BUNCH OF PEOPLE SITTING ROUND IN THEIR APARTMENTS THAT ARE TAGGED WITH P.O. BOXES AND FAX NUMBERS! Seems that every department is run from a different state - mortgage payments go to NJ., Tax Payments come from UT., Hazard Bills paid from SC. You send general inquiries to MN. Mid-August I was locked out of my TB&W loan on their website. Sent inquiry - no response. Called - no response. 3 days before mortgage payment due, I get a letter from TB&W stating my loan is being serviced by CENLAR. I quickly stop payment to TB&W and re-direct to CENLAR. I get my account set up online with CENLAR to monitor the activity. Then I notified my Hazard Insurance company as to where to send my current bill - which was due at the end of August. Mid-Sept., Hazard Insurance company calls me up stating that CENLAR declined to pay the bill, and told the insurance company that I am personally responsible. Insurance company changed their records, and are now coming after me. I had insurance company change it back, because it is in my mortgage loan papers that my escrow account, now being held by CENLAR, is responsible for paying the bill. Insurance company is very understanding, and changed the info back at CENLAR, and re-sent bill. Again, CENLAR rejected. I got on the phone with CENLAR, and they gave me a fax number to give to my insurance, to fax the bill again. The number CENLAR gave me though was for their PMI department (I forgot which state that's in). I looked up the Hazard Insurance fax, and my insurance company faxed to that number. Every day I have been calling CENLAR, and every day I get a different response - fax the bill and it will be paid; fax the bill and wait 24-48 hours. Crap hit the fan when CENLAR told me that TB&W told them that I am responsible for the bill, and that I have to wait until Mid-October before CENLAR makes a decision. WHAT DECISIION!! I faxed them my loan paper that states ESCROW PAYS THE HAZARD INSURANCE! I got the name of a manager, and customer service stated that I fax to the manager, and they will pay it 'without review'. That was three days ago! Nothing has changed - I get the same response - I am responsible for the bill! YOU HAVE MY FUNDS!!!! IDIOTS!!! They are all hiding under that 60-day window of getting their system up to date. If someone is charged a late fee, CENLAR will pay it, under the 60-day window. Where's the funds coming from to pay everyone's late fee? To date - they have received my insurance bill 5 TIMES!! If something was to happen to my home that needed insurance comverage, do you think the insurance would settle? Technically, I am without insurance - policy period ended at the end of August! I stated on my last fax to them that I will file a complaint with the BBB (yes, go have a look at their rating - 'F'). Complaint has been filed. Has anything changed? Nope. Yes - I am all for a law suit against CENLAR. I have a contract to pay funds into escrow - contract is not being honored by CENLAR to pay my insurance bill. They have all the info they need to make a decision TODAY! But, they will wait until Mid-October, and make the decision then, along with the other 250,000+ loans as well.
by J From North Wales, PA on September 30, 2009
The Taylor Bean Whittaker situation was bad enough, but we did not know who had our mortgage or escrow dollars. We had to call around, but they certainly cashed our checks. Now we are moving our mortgage to our bank and we found out our taxes were not paid. We have been trying since August to have someone at Cenlar help us, to no avail, the worst issue of all was we call customer service and guess where the calls are going to INDIA, that's right INDIA they have an overflow center for calls. Our taxes are still not paid, we do not know the status of our escrow account OUR MONEY. I'm telling everyone please check your accounts. There are no words it is past frustration. We are seeking legal counsel
by Andrina From Arvada, CO on September 30, 2009
We received a check from our insurance company and TBW was on the check. We had a massive hail storm and have over $12k in damage to our home (right before TBW went under). I can't cash the check since CENLAR will not respond to me to tell me what to do with the check. I am DISGUSTED with CENLAR and am in the process of trying to get my mortgage moved. I was very happy with TBW, but CENLAR is a joke! They should not have agreed to service TBW loans if they could not handle it.
by slrishell From Mechanicsburg, PA on September 26, 2009
We too had our mortage transferred from Taylor Bean to Cenlar. Fortunately we have had positive results. A week after receiving the letter from Cenlar, we had our account number, signed up on the internet and our Septeber payment has processed. Now our August payment which was paid to Taylor Bean was never cashed so we are still waiting for that to happen. I must say that Cenlar has been nothing but helpful. Give them a chance. Taylor Bean was the worst, and I mean worst mortage company my husband and I have ever worked with and I mean that sincerely. Realize they acquired, what, 260,000 loans from Taylor, I really thing they are trying to do their best.
by Anonymous From Braselton, GA on September 24, 2009
I think it is time for a MASSIVE class action suit against this company. Are there any legal minds reading these that is interested?
by Leonard Jones From Driftwood, TX on September 22, 2009
After reading all the negative emails I feel bad about doing business with Cenlar. I'm Emailing because I have not received any statements or a coupon book as promised. Leonard Texas
by Anonymous From Phoenix, AZ on September 21, 2009
I went through Equity Accelerator with TBW and thank GOD they are no longer debiting my account until I approve it for Cenlar. I have contacted 3 on your side TV and the Attorney General's Office in Phoenix. I want to make sure this is legit before I make any payments. This is so scary!
by Anonymous From Spokane, WA on September 21, 2009
They are horrible and looking for a new company!!!!
by Jennifer From Blackfoot, ID on September 21, 2009
We to had our home loan through tbw. Never had a problem with them. We have never had a late payment. This month we never received a bill from TBW, got on the website to find out that they went under and we are now with Cenlar. We have no account number and nothing has been sent to us by wither TBW or Cenlar. Cannot registar on the Cnlar website because we do not have an account number. Have tried for three weeks now to get ahold of someone at Cenlar and I cannot get ahold of anyone! I get either a message or if I call the other number it rings and then sounds as if its being transfered and then busy signal. I am afraid to just mail then the payment and I am even more worried about the escrow account. Will they pay my insurance and taxes on time? Its hard to believe that they will when I cant even get a simple account number. I feel that this is all their errors (TBW and Cenlar)and yet I am the one doing all the work just to try and give them money! As the saying goes time is money! I dont think I should even have to make that payment due to the time I have wasted on this so called company. Class action suit would be great. We are in a position that we cannot refinance as I quit my job to go back to school. Now it looks like our only choice is to sell our house in this market. What a joke. Expecially because we have great credit. Thanks for nothing Cenlar!!!
by Bill From Cleveland, OH on September 20, 2009
Like many of you I had sent my September mortgage payment to Taylor, Bean on August 22nd, before I received the letter saying my account would be transferred to CENLAR and the cutoff date for Taylor Bean processing checks was August 12. Well, my check still hasn't been cashed by anyone though an extra payment I sent Taylor, Bean on August 5th was cashed by CENLAR. I didn't get any reply from CENLAR to a letter I sent them on August 25th. I started emailing them on Friday Sept. 18th so it's too early to know if they're going to answer that. I'm just sending my October payment and apparently won't owe any additional fees on the Sedptember check if it doesn't show up and I have to send a replacement check because of ther RESPA law. But this is really a Keystone Kops occurrence! I almost expect indictments of the Taylor, Bean people. It sounds like ENRON. They had a lucrative business and blew it. Good luck to you all. Bill in Cleveland
by Anonymous From Las Vegas, NV on September 18, 2009
In the same boat, on hold at the moment. Loan is more than double what my home is worth, LV market dropped through the bottom. TBW was processing my loan modification, and now what ? Can't speak with anyone...is the a real company? Is anyone home ? THinking of just walking away from my home, but where to go ?
by jeff From Deer Park, WA on September 17, 2009
I also had just set a closing date for "home affordable refinance" with TB&W when they were closed down. Cenlar is a joke. I finally got through to them this a.m. and the guy said "we don't do refinancing, we only service mortgages held by other companies." I send e-mails to their customer service with my cell phone to contact and they call my house and leave messages!! They must all be stupid! Anyhow enough venting.. Here is e-mail and phone numbers for most of the bigwigs in the company. We need to all call and e-mail them to show our frustration. http://www.njleague.com/DirectoryFiles/Members/Cenlar.pdf
by Alan From Essex, MD on September 15, 2009
I had been working on a loan modification with TB&W. I had worked with them for 4 months, they "lost" my documentation 2 times. I was approved on the day before they ceased business! I have been attempting to conact CENLAR for 3 weeks now. I spoke with a Therese who appeared very helpful, an indicated that she would send all of my info to the modification dept and I should hear in a few days. Its been a week now. I have sent numerous emails and attempted calls numerous times. No response. I just sat on hold for 45 mins, then some guy picked up, said Hello, then hung up!! Been on hold again for 30 mins. I just want to know what is going on! Is there anyone to complain to? I would swear that these are the same people I dealt with at TB&W!
by margaret From Marietta, GA on September 15, 2009
this phone number works 800-223-6527 and the the lady was very helpful. the phone number they sent in my paperwork did not work at all...but this does! i asked for modification paperwork...we'll see if I get it...
by Andrew From Los Angeles, CA on September 14, 2009
Just when I thought Taylor Bean was bad, in comes Cenlar. As others have noted, they've promised all sorts of things such as vouchers, grace periods, and letters for customers to sign to allow continuation of autobilling but none of the promises have been kept. I'm still getting a massive auto charged T&I "escrow" charge on my account since TB&W (who did it twice within 6 months and I've always been current) and have no way to stop it. It's also frustrating to know that you're dialing into some massive Indian call center (listen carefully to the background) with no real ability to get your problems fixed. It adds insult to injury. This was of course, before things went downhill from there. I got used to calling in 50 times to get a ring followed by hours of waiting but as of today, all the lines seem to go into a black hole. When you get through and punch in your account number, all you get is silence followed by a disconnect. Great. Time for a stop payment and legal action.
by anonymous From Englewood, TN on September 11, 2009
We too have been struck with this TBW mess. Still haven't cashed Aug. payment, can't get a hold of anyone. When you call the number 1-888-225-2164 it just goes to a busy signal, never even rings. Can't get a hold of anyone. I'm seriously worried how this is going to affect our loan. We need to refinance with someone else. It's obvious we are not in any better of a situation with this company. They need to be reported to the better business bureau. Our loans need to be placed with a company that can service us properly. I'm truely scared about what is going to happen. We have worked to hard to get our home, to loose it because of this stupid company's mistakes. Someone needs to take charge of this situation before it spirals even further out of control.
by ru From Peoria, AZ on September 11, 2009
they suck, cant get a hold of anybody.
by Anonymous From Memphis, TN on September 10, 2009
my homeowner Ins was not paid by TBW and i called my Insurance company to give them Cenlar Information 8/20/209. They had no ideal that TBW had SHUT DOWN. So they notified Cenlar by mail. since then i have received a letter from my insurance company stating my Insurance policy has lapsed. 9/10/2009.i received the notice and i have been on hold for 30mins already with Cenlar..I made a Mortgage payment over the phone on 8/18/200.I hope they don't take other one out with out my permission. this is a trip.I never could hardly get TBW when i was sold out to them by GMAC. I need to refinance fast.
by Jami From Dalton, GA on September 10, 2009
This is the worst company I've ever worked with. TBW sold my mortgage too, and needless to say, Cenlar drafted my account twice for the month of September. My bank has now charged me over $325 in overdraft fees, and I can't get anyone from Cenlar to answer the phones. In addition, their "Contact Us" section of their website was down. Luckily, I was able to find their phone number via this site. However, I was on hold for over 15 minutes the first time I called and over 18 minutes the second time prior to just hanging up!! DO NOT use Cenlar unless you absolutely have to. They SUCK as a company and they suck at answering their phones in order to help their customers.
by Anonymous From Sandwich, MA on September 09, 2009
TBW CUSTOMER transferred TO CENLAR. August PAYMENT STILL NOT CASHED...CAN'T BLAME CENLAR ....YET....TBW MESSED UP AND LOST THEIR BUSINESS...FAST!!!!!!! REMEMBER RESPA PROTECTION. HOPEFULLY CENLAR WILL GET IT STRAIGHTENED OUT
by Hotweather From Saint Simons Island, GA on September 09, 2009
I just received a phone call from my bank telling me that Cenlar has taken out two payments this month, which has put me in NSF status. I have tried to call and get the problem fixed but I can't understand a word the representative was talking about. I tried to tell her I did not authorize a second payment, her reply was when you made your payment by phone it gave Cenlar the authorization to take payments out of your checking account. When I explained to her I made my payment this month she basically said oh well too bad for you. My only recourse at this point to close my checking account and open a new one so they don't have access to my funds. Like most people I can't afford to make two mortgage payments in one month, all my other bills will bounce now because of this. THIS COMPANY SUCKS!!!!
by Jenifer from MO From Advance, MO on September 08, 2009
I am a roll over from TBW and Cenlar is the absolute worse service or should I say no service that I have ever dealt with. I can't get through on the phone, I get no bills, and best of all I paid my bill ON TIME but they ran my check for $300 less and sent me a very rude letter and it is their mistake. I will be looking for another mortgage company this week....I'm sure someone will appreciate my $200,000 loan. I would not recommend this company to anyone for any reason.
by Cas From North Reading, MA on September 08, 2009
My loan got transferred from TBW to CENLAR. I did get hold of someone there by using the number 800-223-6527. Was on hold for about 10-15 minutes. But someone did answer. They said that they received some 230,000 mortgages from TBW so everyone is calling them and they are just swamped. While i was on hold, i registered on their website (afraid of providing the info) but once i registerd, i saw my information there and i verified that everything was correct. While i was doing this, i got through to a very helpful lady , Liz, and she told me its a mad house there now. She also said there will be no late payment fee, credit reporting if you are late in paying mortgage for Aug and Sept because of TBW mess. I read this message board and was angry but after talking to them i realized that there is nothing they can do. All i have to say is put stop payment on any checks that are not cashed by TBW and resend them to CENLAR. Be patient and hang in there. Hope it helps.
by Anonymous From Greenville, SC on September 08, 2009
Cenlar blows!!!! What a mess. My checks won't clear and I'm 2 months behind now. No coupon book has been sent to my home.
by JUNE CAmpbell From Conyers, GA on September 08, 2009
by pam vautsmeier From Freeport, IL on September 08, 2009
need help wanted loan modification started at taylor bean transfered to you so im still waiting
by Anonymous From Dawsonville, GA on September 07, 2009
Here is some information for those of you who are trying to get in touch with someone at CENLAR. They hung up on me when I tried, after one hour of talking to four different people and departments, to ask if I had to pay the Sept. payment or not. Keeep trying and maybe you will reach someone. Central Loan Administration & Reporting (CENLAR) Phone: (609) 883-3900 Toll Free: 800-223-6527 Address: 425 Phillips Blvd., Trenton, NJ 08628
by anonymous From Dawsonville, GA on September 07, 2009
Friday I just spent 1 hr on the phone with CENLAR because TBW transferred our mortgage loan and all I wanted to know was if I had to pay September's payment. I talked to four different people in four different departments. They finally sent me back to the first department I talked to and they hung up on me. If this is how they are going to treat people who have simple questions, then I don't know if I want to do business with them. I would also like to be able to speak to someone who wasn't foreign.
by patricia markovina From Santa Rosa, CA on September 04, 2009
My loan was with TBW I was told B of A was taking our loan. B of A told me to send my payment to them so I did. Come to find out my loan went to Cenlar. I have E-mailed them twice and called them for days and the line is busy. I don't know what to do?
by Anonymous formerly from Cochran, GA From Tifton, GA on September 04, 2009
I have $5,000 left over from an insurance check that TBW promised me 7 weeks ago, AND TBW verbally approved a modification about the same time. I have faxed and emailed Cenlar NUMEROUS times and nobody answers me. I call their number and the only option to speak to a human hangs up on you. This is unacceptable. Who are the idiots who run this place? They are obviously understaffed. Who regulates these bozos? I don't know to whom I can complain-
by Anonymous From South Jordan, UT on September 04, 2009
Our mortgage was sold from TB too. We were in the final stages of re-financing. Checked to see the status about 6 weeks, told it was still in process then we received letter that our loan had been transferred. Reached someone FINALLY and were told Cenlar does not do re-financing
by Anonymous From Moundville, AL on September 04, 2009
I had a house fire on 2/1/09. My mortgage was with TBW. After finally getting my money from the insurance company, I sent it to TBW for them to sign. Now I find out that my loan has been sold to Cenlar and I can't get anyone to answer my phone calls or my e-mails. I had to take out a loan from a local bank the other day so that I could pay my contractor his 1st draw. Now I will have to pay intrest on that loan, when Senlar OR TBW has a $82,000 check that belongs to ME!!!!! VERY UPSET!!!! I will be refinancing as soon as I find out where my money is!
by elie ben From Las Vegas, NV on September 04, 2009
will not help me with modification of my loan.
by talyman From Charlestown, IN on September 04, 2009
After a month of calling and emailing they emailed back assuring me that it's all good and just continue paying them as usual. I think I'll skip a month cause there's no late fee and buy me something sweet.
by Anonymous From Pleasant Hope, MO on September 03, 2009
Worst experience of my life. Tornado hit my house and Taylor Bean and Whitaker didn't sign my insurance check before they went out of business. I now can't get a hold of anyone with either company.
by Danette From Dickinson, TX on September 03, 2009
Any chance of mortgage holders getting in on a class action lawsuit?
by Spencer From Derry, NH on September 03, 2009
TBW had begun the process of lowering my interest rate based on Obama's plan for Freddie Mac loans...I qualified and was awaiting the information to switch and lower my payments. After 8 weeks of not hearing anything I began calling...and like the rest of TBW discarded customers got no reply...went to their web site and learned about the CENLAR transfer. The next day I received a letter from CENLAR and Sept payment was made to them and just cleared my bank last night. I just called CENLAR and after a 10 min waiting period I did get through and was transferred to a knowledgeable gentleman who explained some things to me TBW had neglected to mention. CENLAR is mailing out some critical paperwork that cannot be done over the internet and/or phone. They were quite helpful. They didn't ask for TBW to go out of bus. Like another poster said...be patient w/ them and I think they will help to best of their ability.
by ya right From Mesquite, NV on September 02, 2009
still have NOT received anything in the mail from Cenlar. two weeks they said it was in the mail!!! ya right. I already stopped the payment for Sept. I find it strange that my friends got their packets with a 41 cent stamp. Those documents should come registered mail. Did you also notice on the website they took down the contact us page. HA that was the only number I did get through to. CROOKS. This is actually criminal what is going on. Watch how fast someone contacts when I tell them "check is the mail" ha ha
by Anonymous From Front Royal, VA on September 02, 2009
WELL, WITH THE POOR SERVICE AND DROPPING ITS CUSTOMERS LIKE HOT POTATOES, TAYLOR BEAN WILL NOT EVEN ANSWER THE PHONE. I SENT MY PAYMENT IN AND THEY NEVER CASHED IT SO I STOPPED PAYMENT ON IT. I AM NOW CHECKING OUT CENLAR. I AM NOT SENDING MONEY BLINDLY TO SOMEONE I DON'T KNOW. I WILL WAIT TIL THEY CONTACT ME...
by t miller From Chandler, AZ on September 02, 2009
I did not have the same issues as a lot of the rest of you even though it took a long time for someone to answer. It was explained to me that my August payment just hadn't showed yet & that it would take sometime for them to get caught up & get things corrected. If your August payment cleared your good just continue to make your normal payments thereafter. I would say give them a chance they are getting more calls than they can handle right now so let them work out the kinks.
by Anonymous From Front Royal, VA on September 02, 2009
GOT A LETTER FROM TAYLOR BEAN THAT CENLAR WOULD BE TAKING OVER ACCOUNT. I HAD ALREADY MAILED MY SEPT. PAYMENT EARLY. IT NEVER POSTED, SO I ASSUME IT GOT LOST IN THE MESS. TAYLOR BEAN WILL NOT ANSWER PHONE AND THE NEW COMPANY, CENLAR WILL NOT ANSWER EITHER. WHAT A MESS.THIS IS THE WORST CUSTOMER SERVICE I HAVE EVER RECEIVED. WILL SOMEONE PLEASE REPORT BOTH COMPANIES AS JERKS......
by Scott From Omaha, NE on September 02, 2009
This is ridiculous. Let's let the corporations know how upset we are...call your news stations/ and your newspapers and make sure the consumers voice is heard. I still haven't had anyone help after several calls/ e-mails and tons of my time.
by TBW Victim From Casselberry, FL on September 02, 2009
I just called to get my new loan number. I was on hold for like 5 mins, not too bad. CSR was OK as well. I asked why my August pymt didn't go through by the end of Aug as their letter described, and she said it will come soon. I think they are backed up..
by Anonymous From Trenton, NJ on September 01, 2009
Seems like Cenlar should spend their time on customer service, their management needs to get their head out of their back side.
by Reassured From Pikeville, KY on September 01, 2009
Cenlar was very nice. Called the number, took 5 minutes to get through. They helped me register at WWW.loanadministartion.com all my info is there. They said my credit isnt going to be affected per RESPA. Everything should calm down within the next 2 weeks. Already love them. My loan was a Freddie Mac loan and they pulled our loans from TBW because of incorrect accounting. Feel MUCH safer knowing Freddie Mac has other loans with Cenlar.
by csosa From Houston, TX on September 01, 2009
Does anyone know how to obtain a payoff from TBW since trying to get a hold of someone here is impossible?
by BANKS From New Haven, CT on September 01, 2009
HAVE THEM PRODUCE THE NOTE! CENLAR IS LIKE EVERY OTHER BANK. THEY ALL HAVE SCAPE GOATS
by ANGIE From Victorville, CA on August 31, 2009
IT WAS BAD ENOUGH DEALING WITH TBW..OMG, NOW CENLAR. SO THEY SUB-SERVE MTG ACCT?? WHO OWNS THE ACTUAL LOAN?
by PAULA BUCKINGHAM From Lyndhurst, NJ on August 31, 2009
I KNEW THIS CO. WAS FULL OF it WHEN I COULDN'T FIND THEIR PHONE# ANYPLACE. IMAGINE THEY SEND A LETTER THAT SAYS "MAY CALL CUSTOMER SERVICE DEPT." AND NO # IS LISTED. I CALLED TAPPY PHILIPS AT CHANNEL 7 EYEWITNESS NEWS EARLY ON TO REPORT TB&W FOR UNPROFESSIONAL DEALINGS BUT NEVER HEARD BACK FROM HER. MAYBE IF WE ALL CALL WE CAN GET SOME MEDIA COVERAGE. WE ARE BEING TREATED WRONG!!!
by Harrison From Knoxville, TN on August 31, 2009
WOW...What a joke of a company, I talked to Nancy Kelly from the phone number someone was kind enough to leave (thank you) Nancy was very nice and said she has gotten a ton of these kinda of phone calls. She tried the numbers and said they did not work for her either and she works for the company. Gosh, out of the frying pan into the fire...What a mess. THANKS TBW FOR THIS MESS you left us in.
by confussed From Buford, GA on August 31, 2009
OK - I received the letter from Cenlar about the servicing transfer, BUT I also received a letter from another mortgage servicing company stating that THEY are my new servicing company. SO. Now what? Who is trying to rip me off and who do I really make my payment to from here on... BE CAREFUL folks! Don't get sucked into a scam! Is it Cenlar or the OTHER company??? I can't get Cenlar to answer their phone! What to do???? They OTHER company answered their phone, sent out legitimate looking docs (as did Cenlar). The OTHER company was very helpful and stated that Cenlar was being investigated by the FDIC? What is going on???
by Jim Bettendorf From La Habra, CA on August 31, 2009
Once I got the correct number from the web-site I talked to a very helpful and courteous man who said that the August automatic payment that TB failed to take will be posted to my bank account tonight 8/21/09. No need to write a check. Also under the Fair Credit Law no negative reporting can be made to credit agencies for 60 days after they purchase a mortgage. We were within four days of signing loan modification papers when TB went under. (Guess I should be glad they didn't get a chance to mess that up). Cenlar's service rep said they would honor loan modification agreements that TB had in process, BUT they were having trouble getting the documentation from TB (Surprised?). He estimated that it would be 7 - 10 days before they knew what they had. So, if you have an automatic payment, sit tight and don't write a check also. If you were in loan modification, hold your breath. It could be a couple of weeks before you know if your TB documentation made it to Cenlar. The customer service rep also said that if for some reason the documentation gets lost, they have their own loan modification process that you can go through. Of course that means that you will have to dig out all that paperwork that you sent to TB. I'm going to go have a beer.
by John De Vos From Monee, IL on August 31, 2009
I received letters from two different mortgage companies saying that they are taking over my loan from T and B. Round Point and Cenlar. Can not get things fixed, any one else having this problem?
by Anonymous From Salt Lake City, UT on August 28, 2009
With the economy crumbling around us who needs this added stress. i called the 866 305-6949 and got a recording stating due to unforseen circumstanses they are not able to service my call. WHAT THE HECK!! I was able to locate 800-223-6527 it worked and yes i was on hold but was determined to talk to someone. Verified the 60 day grace period, the person I talked to was polite but put out. I will be Refinancing as well. Gotta Love our Government!!
by Scott From Mount Airy, NC on August 28, 2009
This is BS.. received my letter yesterday, 8/27, nobody answers the phones at either location. I am planning on contacting all local news stations as soon as I am home from work today and see if this would be worth reporting. Very unprofessional from both companies to not even at least have a message on their lines about this. I had already scheduled payment to TB&W, had to stop payment on the check (for which i'll get charged for by my bank i'm sure). Maybe if we all call our local news stations and word about this unprofessional lack of communication gets around they may actually answer their phones!
by Jennifer Nelson From Grand Forks, ND on August 28, 2009
Received notification that Cenlar would be servicing our mortgage following the shut down of TBW after we had sent our payment. Unable to reach anyone at TBW and unable to reach anyone at many of the provided numbers for Cenlar but 800-223-6527 was a number that actually worked to contact Cenlar. The rep. was helpful, stating that we could stop payment on our payment sent to TBW and send a new payment to Cenlar (which we did) or that Cenlar would be going through the checks sent to TBW before customers were notified of the switch and applying the payments to the new Cenlar accounts
by Mary From Lexington, KY on August 28, 2009
I received my letter today. Never have had any dealings with Cenlar, but I find this is really scary! With all the stuff that has been going on with mortgage companies, how do we know that Cenlar won't call in everyone's loan as one of Obama's behind the scenes socialist tricks? Look what happened with the "Cash for Clunkers" (ask the car dealers who are being ripped off and haven't received their payments. Is this another scheme by Obama to make more auto dealers go out of business?) and the Cap and Trade. Folks, this is very scary! The best thing to do, if you can do it, is to refinance as soon as possible with a local company. This is what I am going to do. This transfering of my loan is like a shot in the dark - just out of nowhere, no notification from TBW! Doesn't this raise questions about what the govt. maybe trying to do with some of us? Yep, this is really suspicious. This has never happened to us and we have owned and still own several pieces of property in Ky and Tn. WHATEVER YOU DO DON'T LET DOWN YOUR GUARD, SOMETHING IS UP!
by T From Irvine, CA on August 28, 2009
Register and logged in to Cenlar. Information seems correct thus far. Those having trouble with phone connection and/or service reps, I would recommend trying out their site for info: https://www.loanadministration.com/loanadministration/ACCLogin.jsp
by Katie From Lubbock, TX on August 28, 2009
I called the 800 number listed in here. BIG HELP! Got through confirmed my payment will still be pulled automatically, they were very reassuring. Great service!
by Anonymous From Loganville, GA on August 28, 2009
I was also with TB&W & was transferred to Cenlar. What a joke. I have tried the same toll free numbers that are worthless for a whole week. Can't get anyone & it will disconnect you. I have been trying to make my payment to someone since Aug. 1oth with no luck. I am not going to blindly make a payment somewhere until I speak to someone that can reassure me I am sending to the right place. I will refinance as soon as possible.
by former TBW customer From Carlton, GA on August 28, 2009
by SB from Ga From Brunswick, GA on August 28, 2009
I have spoken to them and was given the website - looked up my account- everything is there. I canceled my last payment to TBW and reissued to Cenlar. I a sure that with a month or so- they will have everything they need. Be sure you notify your home owners Inc. co and your tax office so they can bill the right people. Have patience!!!!
by anonymous from San Antonio Tx From San Antonio, TX on August 28, 2009
800/888 #'s are worthless. Called 1-609-883-3900 & got thru but unable to get answers b/c my husband was the only person on the acct. I was told by Coleen? that Cenlar for the 1st 60 days will not charge late fees and No negative credit reporting will be done during this transaction from TB&W to Cenlar.
by Anonymous From New York, NY on August 27, 2009
The hold time for Cenlar reps will not be as long starting next month. I was smart and held onto my august payment until I got their statement which I got last week. I mailed my payment off and got confirmation it was paid today. If you made your payment to TWB see if it has been cashed. If it hasn't cleared maybe you should contact your bank and put a stop pay on it.
by Doug From Arcadia, CA on August 27, 2009
The letter I received from CENLAR clearly explains how to make my mortgage payment. In my case, I don't need to do anything because the auto draft I had with TBW will continue with CENLAR. If you don't have the auto draft service, send your payment to CENLAR. If you have sent your payment to TBW, don't panic, CENLAR will not consider you late until it has been 60 days after the transfer.
by fedupinnola From New Orleans, LA on August 27, 2009
Cenlar is awful. When you call, it will ask you the name of who you wish to speak to. Say Nancy Kelly. She can at least pull up account info. She'll say she is gonig to transfer you to CS, tell her NO as they never answer. Amazing how hard it is to reach a company to make sure that they received your money. Freaking amazing.
by Anderson From Martinsville, IN on August 27, 2009
WOW, Both TBW and Cenlar are worthless. I had a tree hit my house and I have to send a check to the mortgage company to get signed so I can fix my house. Since you can never get ahold of anyone, I guess Ill just let my house rot and quit paying on it. I also applied for the stimulus thing in April. Never heard anything and no one would help at TBW.
by Christopher Falcon From Orange, CA on August 27, 2009
As a business professional working directly with customers all day long, the customer service for this company is totally unacceptable. It takes over an hour to get a hold of a representative, once you do the representatives are very informal, rude, and actually cold towards you.
by Ruben From Las Cruces, NM on August 27, 2009
Hate to bring bad news to the table people BUT, Look-up "RIP OFF Report.com and look at Report # 403804, and you'll see the Owner and CEO, Lee Farkas' real colors. And we support him! also look at the Wall Street Journal, Business section at http://online.wsj.com/article/SB125133060213062243.html and the article on TBW, For Lender, a Fast Fall From Audit to Collapse, WOW! We have been had and Cenlar is just serviceing our loans because TBW can't under the "the Department of Housing and Urban Development, which oversees Ginnie and the FHA, suspended Taylor Bean's authority to make or service FHA-insured loans. HUD said Deloitte had found "certain irregular transactions that raised concerns of fraud."" People we need to send a message to people like Lee Farkas, we won't stand for this!!!!!! I for one will seek another Co. Adios!
by Anonymous From Woodbridge, NJ on August 27, 2009
TBW customers: RELAX!! Stop being so frantic! Your credit will NOT be affected till October according to Respa Guidelines. No servicing transfer will be swift and smooth as you would like it to be. Relax and let things settle!
by winny jones From Summit Argo, IL on August 27, 2009
I'm a Republican and I want government intervention in poor business practices
by not wanted From Great Falls, MT on August 27, 2009
I was with TBW and had monthly payment on auto pay. I have been trying to get a hold of Cenlar since 8/23/09. 1st, was given a # that one can not call back. Went to my bank and was shown a email that Bank of America was servicing the loan. Yesterday 8/25/09 received a letter from Cenlar trying to get a hold of them now and on permanent hold. Can anyone HELP? schmuck from Montana
by Anonymous From Hernando, FL on August 27, 2009
the phone number in the letter 866-365-6949 does NOT work - had to go to the internet to find another one - why send a number that is out of order in the initial letter? It does not give the best first impression
by Vivian G From Barnsdall, OK on August 26, 2009
Like a lot of you, I received a letter from Cenlar, on Aug. 24th 2009, stating that my loan with TBW had been transferred to them and that all payments made after Aug. 12th were to made to Cenlar. First, I stopped payment on the check which I had just sent to TBW. Then I called TBW. I had to wait on hold for about 30 minutes to talk to someone(as usual). I told the woman about the letter I had just received from Cenlar. The woman I spoke to told me I needed to resubmit my payment to them (TBW), and not Cenlar. After that, I called Cenlar (which I was on hold for another 30 min.). I explained the situation. The woman I spoke to there told me to send my payment to them (Cenlar). Then the woman told me that there's a 60-day grace period for making payments, which means there won't be any negative reports during that time period. As of right now, neither company has received my mortgage payment for the month of August. I guess I won't worry about this for at least a few days. At least I know where my mortgage payment is, and that is IN MY HANDS. Don't give up trying to get through to them. Just be prepared to put your call on speaker, so you can do whatever you need to do while you're waiting.....
by Anonymous From Harpers Ferry, WV on August 26, 2009
CENLAR is also ureachable for me. My property taxes are due in 3 days and I am unable to reach anyone at TBW or CENLAR. Hey FEDS if you are listening how about you raid CENLAR. They are worst the TBW ever was.
by Anonymous From Orlando, FL on August 26, 2009
I dont understand why everyone is trying to call this company as soon as our loans transfer. TBW had billions of dollars in government loans which equals to over a million loans. Dont you think with everyone getting these letters EVERYONE is trying to call. I know not all of the loans went to Cenlar but I refuse to call until mid September when their lines free up. My loan has transferred through 6 different companies and if I only learned 1 thing its that you dont call the new company within the first month. You will save yourself alot of aggravation and frustration.
by Things looking up... From Florence, SC on August 26, 2009
I received my letter and called the Cenlar number. The woman was very nice, I was on hold for awhile but they told me that after Sept. 3rd the calls should be answered a lot quicker. All my escrow info should be available then too. Its already better then what I had with TBW.
by Ann Shepherd From Athens, GA on August 26, 2009
I received my letter from Cenlar, told my loan has been transferred from Taylor, Bean & Whitaker. I have never been late on my payments, but lost my job in April,filled out hardship letter early March (knew I was going to be laid off),faxed separation letter, was told I would be contacted end of April, no one has contacted me, sent $100.00 (for August) in hopes that TB&W would contact me, got worried and pd my Aug. payment on-line.Find out TB&W was closing, was able to stop the payment from going through. I pd. $33,000, down payment, to avoid mortgage insurance. After reading all these commits from this site, I am now very worried. Is there anyone that can help us? I do not want to lose my home, or my good credit.It takes all my unemployment money to just pay this mortgage, jobs are very hard to find, I've gone from making $60,000 per year to $300. per week. I am a single women with a daughter in college. Is there a real estate lawyer that is having these same problems with this company?
by Anonymous From Augusta, GA on August 26, 2009
they got to do something or else...
by Anonymous From La Grange, IL on August 26, 2009
Everyone,there is someone that can help us from the top. Did you ever watch the show on CNBC OnTheMoney with Carmen Wang????? If you are on facebook go to their facebook page and post a financial question. If a bunch of us go on there,perhaps we can get some media attention on straightening this out......
by Larry From Santa Fe, NM on August 26, 2009
Like everyone else, it took time to find the right number to speak to a real person! 1-800-223-6527 The woman was helpful. She did tell me that the escrow handling is a mess. You have to contact the tax office and insurance company yourself to give them the new mailing addresses for the bills so they get paid from escrow.
by Anonymous From Indianapolis, IN on August 26, 2009
24 minutes waiting! Lady was very nice trying to keep me calm. I have not recieved a letter, payment for 1 Sep has not been taken out of my account and they don't have me in the system so there is nothing they can do? She said just wait, there is a 60 day transition period and it is going smoothly??? I don't think so! Seems like a long time not to have a record of a large sum of money.
by ronnie sanford From Collins, MS on August 26, 2009
i had to wait about 15 minutes but i did speak to a real lady. she was very nice she helped me and gave me answers. the key is being patient. ronnie sanford
by m carver From Hortense, GA on August 26, 2009
saying payment has not been recieved in same boat as the rest can not make contact with Cenlar HELP
by Shaila From Poway, CA on August 26, 2009
We were also in the loan modification process with TBW - almost done. Now we are with Cenlar and can't get through. If you are in the same boat, call me at 619-840-4245 so we can share info.
by Randy From Ozark, AL on August 26, 2009
My TBW payment came out on 3 Aug. I've heard nothing from anyone. Mine was a VA loan, maybe I need to call them first.
by Anonymous From Riverdale, GA on August 26, 2009
Like everyone can't get through and didn't know about TB&W. My Aug.payment has not cleared and I don't know what to do I am confused and upset.
by ELMA From Lawrenceville, GA on August 26, 2009
I have been trying to get in contact with TBW for the past 10 days....I got letter today from CENLAR for August payment but the problem is TBW took my payment on August 14th. I also found a different phone # for Cenlar got the lady on the phone after and hour and she just told me she cannot help me I still need to pay my August bill and I need to call TBW.....like you can just call them up...I have been trying to call them for the past 10 days. I don't know what to do anymore I paid my bill.....I guess TBW just took my money and I am also missing money from my escrow. Where do we go from here? I was never late with my payment but I will not make another payment for August...I GOT BANK STATEMENT. Cenlar gave us a # to call and of course it doesn't work....but they will be happy to take our payment. Someone has to do something about this I guess we need to be contacting our attorneys. This is crazy
by Brenda From Henderson, KY on August 26, 2009
We were a mortgage broker for TBW. We have several customers contacating us. Only 2 customers so far have received letters. Other customers are contacting us to help them find out about their mortgage. If you call the 800 number listed above and hold on the line you will be taken to the automated system where you can put in your last 5 digits of your SS# and your zip code and find out if your loan is with Cenlar. Then you have other options such as make payment, mailing addresses, fax numbers, etc. If you press 0 for customer service you will get a busy signal. This may be because they are on EST and we are CST. I will try again after 11:00 CST to contact someone at Cenlar. This is also very frustrating for brokers who are trying to help their customers.
by Thought Cenlar would be easier to get ahold of From Elkins, AR on August 26, 2009
Like many others, my loan was transferred from Taylor Bean Whitaker to Cenlar. At first I was excited because any attempts at getting a hold of TBW via telephone was a good hour to an hour and a half wait. It's worse with Cenlar. Here are the 5 toll numbers that I have for them: 1-800-223-6527, 1-866-430-9689, 1-866-305-6949, 1-877-680-5583, 1-877-309-6308. I was also able to track down the 1-609-883-3900 number and actually got a live person HOWEVER she won't help me. She says I have to call the 1-866-305-6949 number which of course is busy. She won't help me at all.... CENLAR! IF YOU CAN'T HANDLE THE LOAD, DON'T TAKE IT ON!!! I was sent to Cenlar because I was a good account! TBW sent all current loans to Cenlar....well thanks so much for the transfer to yet ANOTHER crappy mortgage company with zero customer service skills! I want to keep my loan in good standing but can't find anyone to help me out..... it's a lose/lose and I'm about to take my loan in perfect standing to another bank! This whole situation sucks!
by Anonymous From Webb City, MO on August 26, 2009
I can't deal with a company I can't get a hold of. Can't get through to them by phone at all.
by luis velarde From Clearfield, UT on August 25, 2009
tienen razon en que es fustrante no saber que paso con nuestro pago del mes de agosto, lo unico que debemos hacer es esperar a que termine la transaccion de taylor bean a cenlar, ademas en la carta que envio cenlar dice que no van a cobrar un fee por la demora en cobrarse el pago de agosto, espero comentarios de mis amigos hispanos, me imagino que deben haber muchos que tambien trabajan con este lender. tranquilos, no se estresen...
by Idaho From Wilder, ID on August 25, 2009
No paper work to inform me of the change ,I have never been late on my payments, we cannot get through to these people, what a bad joke on us TBW or Cenlar will not answer, if I refinance another charge added to my existing loan probably higher interest rate this sucks
by Fed-up fron Chicago From Mount Prospect, IL on August 25, 2009
Just learned our mortgage was sold by TBW to CENLAR- and- like a lot of the others I see here, we were in the loan modification process. No one is picking up the phone at CENLAR- looks like it is time to hire an attorney!
by Amy C From Tinley Park, IL on August 25, 2009
I have my payment automatically paid from my Bank to TBW and it cleared for August, but Cenlar said I still owe for August on statement I received. I called number on letter I received today and it is not working. Looked up a 609 number on web site and the woman yelled at me for calling and told me to call toll-free. When I finally called back on 609 and was transferred to customer service, she was rude and told me too bad, I would need to make an August payment. This is a vacation home we own with family and while my husband and his sister are on the loan, I am on the deed as well as my brother in law. I am authorized at TBW to handle transactions, but I could not get any info from Cenlar and TBW kept me on hold for over 20 minutes and no response. I have no idea where my August payment is at, can not afford to make an additional payment and am frustrated that I contacted TBW on August 13 because online was not working and just received a response today by email and then the letter arrived from Cenlar dated August 18. Today is August 25. FRUSTRATED!
by Steve From Plano, TX on August 25, 2009
I just got the letter from CENLAR saying they will be servicing our TBW loan. I called the number and of course like the rest of you got a busy signal. I called the main number 609-883-3900 and they transferred me to customer service. Pam was very nice but had no clue what to tell me other than pay them from this date forward. We started our loan mod 10 weeks ago with TBW and 99% of those transferred to anyone will have to START OVER! Cenlar supervisor got on the phone and advised the only thing they cold do was send us a modification packet to start the process over with Cenlar and that it should take 60-90 days. They use USPS (add 2 weeks to the 60-90 days)just like any other government entity. Why its not electronic who knows but that is another example of our government not being prepared to handle a crisis. RIDICULOUS!!
by lost in wisconsin From Madison, WI on August 25, 2009
Called them after receiving the letter about them service TBW loans - could not get through on the phone - when I called the number someone put in above I was told to call the 1-866-305 number, they were not helpful and somehow my payment went from 905 to over $2300 per month. I don't even bring home that much.
by Anonymous From Riverton, UT on August 25, 2009
Our loan was transferred to CENLAR from TBW. I was alerted by our homeowners insurance company because our premium was past due. I called (609) 883-3900 and was transferred to customer service. The representative was friendly and helpful. I was able to get our new loan number and access my information online. Insurance and tax information is still being uploaded but will be paid by CENLAR. I was able to get an extension on insurance policy to cover delay in payment. I am cautiously optimistic, but will continue to closely monitor my account.
by Anonymous From Springfield, MO on August 25, 2009
my loan was sold to cenlar by tbw. I just rec'd the letter stating it was sold on Aug 11. Today is the 25th. My sept payment has already been mailed. Can't get in touch with cenlar or tbw to make sure my sept payment is applied properly. So far, I have not rec'd any notification from tbw. Both of these companies are not answering phones.My aug payment has cleared the bank.
by Anonymous From Levittown, PA on August 25, 2009
I'm not sure if any of you know this but I am in the mortgage business and there is a law called RESPA (real estate settlement procedures act) in which the government doesn't allow any negative credit reporting on loans that are transferring from 1 lender to another for 60 days. You also will not incur any late charges.
by Ying-Yi From North Haven, CT on August 25, 2009
My payment for Aug. to TBW was not cleared. Today I received the information that my loan was sold to Cenlar. I didn't receive any information about this transfer before this e-mail . Just confused like every one.
by Bev From Gallatin, TN on August 25, 2009
Okay everyone- Cenlar is only getting TBW conventional loans that were current. The 800 # is not working today but the 609-883-3900 is. I just spoke to them & they were helpful. The problem they have is that they don't yet have everything loaded in their system & TBW transferred thousands of loans to them. They say they will have everything loaded by the 1st. No late fees or credit bureau hits are allowed per the fair credit act until 60 days after transfer date. Also one final note- if your homeowners was due during this transition (as mine is) you may have to pay it & get re-imbursed. Mine is due on 8/31- TBW did not pay & Cenlar can't pay till after the 1st. Also be aware of this possibility- I tried to pay TBW on-line on 8/9/09- got confirmation from TBW but money never came out of account. I stopped payment on that draft but Cenlar thinks I am due for my Sept. payment. I know that I owe Aug. & I'm sure they will find out too- but keep in mind they may have some posting errors we need to watch for.
by Ron From Newington, CT on August 25, 2009
TB&W was the worst company I ever dealt with, but now with what I'm reading it's only going to get worse. 4 years to go!!
by Anonymous From Leesburg, GA on August 25, 2009
no notice from tB&W, then a letter received on Aug 22 pre-dated a week earlier tht I should send a payment with late fee, this is after i repeatedly tried to pay TBW on-line before I found out they were no longer in business, cannot reach cenlar by phone, WHERE ARE OUR GOV. WATCHDOGS and who is going to help us out of this mess!!
by Anonymous From Houston, TX on August 25, 2009
I am very frustrated..i havent received any informantion from TBW or Cenlar. and my august payment has not been posted..they are screwing up my credit and my account. GET IT TOGETHER..start sending letters of transfers before the whole thing blows up in your face.. HOUSTON
by Anonymous From Krum, TX on August 25, 2009
I just received a letter from Cenlar about my TB&W loan, which Cenlar bought...I tried to contact Cenlar by number given on letter but it rang once and then went to a busy signal. What is going on? This is completely ridiculous! They took out over $600 out of my escrow to pay PMI/MIP? I paid my Aug. payment to TB&W and of course like the rest of you, it hasn't cleared my bank...Is there an idiot at Cenlar that would like to step up and explain?
by jim mcmunn From Green Lane, PA on August 25, 2009
My tbw mortgage was sold to Cenlar on the 12th. I get a letter on the 25th. I think i am in trouble. If you can't get in touch with cenlar, just be late with your next payment and you'll hear from them pretty fast
by chantale From Redford, MI on August 25, 2009
I called the main number for cenlar at 609-883-3900 and immediately talked to customer service who provided me my loan number. i was able to register online and view all my account info including my escrow info and the transfer letter that i havent received yet. I am not making any judgements yet on them as I know this time is very very hectic....i am trying to hope for the best.
by Anonymous From Dedham, MA on August 25, 2009
I just got a letter in the mail about my transfer from TB&W to Cenlar. My August mortgage payment was sent to TB&W, but now is in limbo, and hasn't cleared my account. I can't get either company through either phone or web. I am now in jeopardy of my credit being effected because these two companies are completely unreachable. So frustrating!!!
by Larry From Winthrop, MA on August 25, 2009
CENLAR is unreachable. They just sent me a letter predated to two weeks ago, with all kinds of requirements about a transfer from TBW, another shoddy company now in legal trouble. I need answers and their phone line basically tells me to have a good day and then hangs up.
by Anonymous From North Reading, MA on August 25, 2009
I recently applied through TBW for a refinance under the new Homeowner Stability Act. My application was submitted 8/3/09 and I received a letter yesterday (August 24 but dated August 18) that TBW sold my mortgage to Cenlar. I tried calling the 866 number provided and also called an 800 number I found on the website but nobody answered either one. The 866 number has a recording that they are not able to process my call at this time due to unforeseen circumstances. I even tried to call TBW about it, but was on hold for 20 minutes and then got disconnected.
by Anonymous From Harrisburg, PA on August 24, 2009
We had TBW, which we were originally told was to be managed by Bank of America--so we contacted them and sent them our August payment. Today I receive a letter from Cenlar saying they will manage our Morgage. When Itry to contact them--nothing. Very confused...
by Ashley From Chicopee, MA on August 24, 2009
Our loan was with Taylor Bean, I just received a letter today saying we have been sold to Cenlar. According to the letter our mortgage was sold on August 12 although the letter sent to us was dated the 18th, & today is the 24th. I will attempt to call Cenlar tomorrow. In my letter they grace a web address to pay online, I went to the web address and it is non existent. So far not good!
by Mark From Valmeyer, IL on August 24, 2009
TBW sold my mortgage to Cenlar. The phone number given to TBW customers is just a recording that says they can't help right now. The other 800 number has a prompt for TBW customers, but it's just a busy signal. I've sold my house and my title company needs the payoff amount by 8/27 so I can close on the 28th. I hope this Cenlar can get that to them in time.
by Jeanne From Somerville, TN on August 24, 2009
If anyone out there has a Taylor Bean & Whitaker loan that is now supposedly serviced by Cenlar, please post how you were informed and/or confirmed their servicing. Have a client trying to make TBW payoff for over two weeks and things seem to be in a state of everlasting confusion. Cannot even get an answer when I call number we have been instructed to call.
by Anonymous From Dayton, KY on August 21, 2009
Just got sold to Cenlar from T B W I had to read it on the internet so far not hearing good things about this company think I am going to refinance with my bank
by Stephanie From Monroe, WA on August 21, 2009
Oh Great. I just found out that my TBW loan has now been assumed from this company - suppose I'll be in the boat with all the rest of you. As soon as I'm assigned an account number, I'll try to take my loan elsewhere. An the hits keep coming.
by Anonymous From Mcdonough, GA on August 20, 2009
I'm already not liking the responses for Cenlar. Our loan was just transferred to Cenlar from Taylor, Bean and Whitaker. I know for a fact that Taylor, Bean and Whitaker were crooks and impossible to deal with. I was kinda hoping this company would be an improvement. We shall see.
by Rick From Wichita Falls, TX on August 18, 2009
I spoke with a customer service lady today for the first time , after my loan was sold to Cenlar. I was impressed with her friendliness and professionalism. She was very patient and helpful.
by Anonymous From Pittsburg, CA on August 16, 2009
Our loan was sold to Cenlar,we have the worst experience ever,they made our life a nightmare,Hope will get rid of them sooner possibile
by Anonymous From Worcester, MA on August 14, 2009
just got sold to them by T B W I hope things improve or I am running
by anonyymous From Anaheim, CA on July 13, 2009
by Anonymous From Johnston, RI on June 22, 2009
I did contact my mortgage company to re-fi because of my situation and tried to switch to a FHA loan. Until the market went down 30% I did have equity in my house.
by Anonymous From Phoenix, AZ on May 14, 2009
Cenlar has no clue what they are doing. We could see that we would be in financial trouble in the next 6 months and started a loan Mod process with them. I told them that we were trying to be up front and avoid issues. Well after 5 months we were right where we predicted and can't make our payments now and they are non responsive to the multitude of phone calls and paper work we have submitted to them to modify our loan. At this point we are going to let them have the house back as they left us no choice and now messed up our credit in the process. You try to do the right thing and they could really care less.
by Anonymous From South Orange, NJ on February 19, 2009
I did a workout plan as reqiested to eliminate foreclosure; have not gotten a response and no one answers the phone. I continue to make payments and they continue to return my money. I am anxious to find another bank for my mortgage under President Obama mortgage plan. Hope I am successful. Don't do business with Cenlar; too unprofessional and non-responsive.
by Bryan Jolly From Locust Grove, GA on January 20, 2009
by Anonymous From Vero Beach, FL on December 28, 2008
Wow...as I read through these comments, I'm reminded of my own issues with Cenlar. I too was with 1st Palm originally and my paper was sold to Cenlar. After a divorce, triedto work something out with them for 8 months whcih entailed sending paperwork time after time, returning dozens of calls, and waiting on hold for an immeasurable numbers of hours as well. All to never be responded to and eventually be placed into foreclosure. Even my realtor cannot get anywhere with them and she has had several opportunities to sell the home in question, but cannot do so without their cooperation. I feel my only option will be to sue them and take them to court. Who knows, maybe I'll win a suit large enough to restore my losses and credit rating...anyone want to join me??
by Anonymous From Atlanta, GA on November 29, 2008
They will not give me all my options available to help save my home.
by eric kelly From Ocean Shores, WA on November 21, 2008
by Anonymous From Atlanta, GA on November 12, 2008
I asked for a workout plan or any option that would help me temporarily for like 3 months and then Id be back on track with making my original payments on time as agreed but they werent willing to work with me and they never called me after I submitted my paperwork, I called them and thats when they stated that a foreclosure notice was being sent out, i wasnt warned at all.
by Anonymous From Lexington, SC on October 23, 2008
Most likely a mob company, setup to launder money from illegal operations.....
by SANDRA JILES From Montgomery, AL on September 03, 2008
by Jim From Miami, FL on August 25, 2008
Cenlar is one of the worst morgage company I have ever worked with if any body has to work with them I higly suggest you find another company very very quickly
by Dale Walworth From Shallotte, NC on July 04, 2008
CENLAR is a den of thieves and liars. They will attempt to access extra charges whereever and whenever they can. Talking to them is an excercise in futility.
by Jo Anne Allen Elrod From Cookeville, TN on January 13, 2008
Cenlar tries to help you and not hurt you or take your home when you fail them. Just be honest with them !
by Anonymous From Charles Town, WV on December 12, 2007
Our loan was "sold" to Cenlar and it has been a struggle to get them to listen. The operators are nasty and very pushy - we have refinanced and are VERY HAPPY not be associated with Cenlar.
by jerry joaquin From Azusa, CA on December 10, 2007
many emails sent. emails returned with estimated response time. never rec'd response.
by Billie Beard From Columbus, MS on December 06, 2007
I have not been satisfied with them, with 1stPalm Financial my payments were drafted from my checking account for the whole 13 or 13 years I was with them , never a late payment. It has been a struggle trying to get Cenlar to except my payment to be drafted from my checking account.
by Anonymous From Cochran, GA on November 25, 2007
Impossible to get info from except by mail, and then on receipt, find that all info is not included. Phone bank operators cannot answer anything other than a basic question. Once they take your loan servicing, you are totally unable to access info about original loan. Guess it's designed to be that way. The frustration is beyond description!
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IMPORANT NOTICE – PLEASE READ There is no guarantee you will receive a loan modification. Even if you accept this offer and use our service, your lender may not agree to change your loan. Loan Modification approval is dependent on criteria including but not limited to hardship, income, debt ratios. American Foreclosure Specialists is not a Bank, nor a government agency or government affiliate. Our services are not approved by the government or your lender. American Foreclosure Specialists assists in the document preparation, working with and communication with your Mortgage Bank in the attempt to acquire an approved Loan Modification. If you stop paying your mortgage, you could lose your home and damage your credit rating. Loan Modification Plans are dependent upon mortgage company criteria and financial information gathered as part of the efforts of AFS. The information and notices contained on this website are intended as informational and should not be regarded, as financial or legal advice. AFS attempts to ensure that the material contained on the website is accurate and complete at the date first published, however you should recognize that information contained on this website may become out of date over time. Readers who have particular questions regarding real estate law, finance, or who believe they require legal counsel, should seek the advice of a financial advisor or an attorney. Submitting a contact request, gives AFS consent to contact you by telephone and/or email, even if you have previously listed yourself on any state or federal Do-Not-Call List.