Cenlar

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 danielrtcooper@msn.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

cenlar sucks

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!