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Cenlar

Cenlar

www.cenlar.com
What is your customer experience with Cenlar?

Cenlar Overview

The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.

  • Cenlar has 1.3 star rating based on 290 customer reviews. Consumers are mostly dissatisfied.

  • 25% of users would likely recommend Cenlar to a friend or colleague.

  • Rating Distribution
  • Pros: Hope you will be able to help me, Everyone was pleasant on phone when i could reach someone, Have dishonest business practices.
    Cons: Customer service, Gave 1 star because no zero option, Issue not resolved.

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Media from reviews

Cenlar - Check owed never received
Cenlar - Refusing to change misreported paymentCenlar - Refusing to change misreported payment - Image 2Cenlar - Refusing to change misreported payment - Image 3Cenlar - Your bad reviews were right on! Did not credit me my first mortgage paymentCenlar - Ms. RuizCenlar - Ms. Ruiz - Image 2
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Top Cenlar Reviews

Positive Review

"Borrower Academy Mortgage"

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I need help getting to an agent at Cenlar. I'm an original borrower of Academy Mortgage who needs help. I can't log onto the Cenlar website or get through on...

Critical Review

"Never posted additional payment"

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I paid an additional payment towards the principle of my home and Cenlar decided this was just a donation to them, because that payment came out of my bank,...

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Anonymous
map-marker Southlake, Texas

Never posted additional payment

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I paid an additional payment towards the principle of my home and Cenlar decided this was just a donation to them, because that payment came out of my bank, but never managed to show up on my balance for the loan.

Then Cenlar decided to sell my loan off to some other company and not tell me until the change was already happening, guess what, they still don't see that I've made any payments to Cenlar.

Should be an easy fix right? Call Cenlar, get things straightened out?

Nope.

They must be used to pulling shady stuff, because their automated system will NOT let you talk to a human, it just tells you to go contact the new loan holder. Ok, sounds like its lawyering time.

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User's recommendation: Well, theyre criminals, so... yeah. Avoid.

Russell S Faa

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Bellevue, Washington

There is somebody very very intelligent at the company who has designed a system that maximizes the amount of people that lose their homes and makes the company appear to be benevolent.

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Updated by user Mar 30, 2025

They are still jerking me around. But they have amended the amount due after I caught a huge accounting error. I do want to do the interview.

Original review Mar 15, 2025
Yes, there is still an issue with CENLAR. In fact, there are several issues with it.
First, Cenlar is foreclosing on my house and asking for more money than what is owed.

My original loan taken out 9 years ago was for $850k. Now, however, Cenlar is demanding $890K for the payoff. I paid my mortgage payments 8 years, and in the 9th year I took a forbearance because of COVID related work issues. Cenlar has now taken the money owed from that year of forbearance and created a second principal account for $95,000.

And solar has added that second principle to the first for the payoff. On the phone the semi representative admitted that if I paid the second principal off they would reduce the first principle by the amount of that payoff so that it doesn't count twice. But rather than reduce the first and create the second or add them together CENLAR is attempting to make me pay twice.
Second, Cenlar has been jerking me around concerning insurance funds for rebuilding one of my units that burnt down. The insurance company paid Cenlar a little more than 300k for amounts owed due to a claim I made because of a fire.

Cinema put that money into an escrow account two months ago and told me over the last few months that it would release some of the money to me. On no less than three occasions similar told me that it would release a third of the money so that I could start building. The money never came. And said similar just kept stringing me along up until the date of a foreclosure sale of my property.

That date got continued for some other reasons and cenlar then admitted that it will not return the funds because of the foreclosure. Cenlar said that it made a managerial exception to withhold the funds. Cenlar also disclosed that Citi was to purchase my property as an REO.
Third, Cenlar is acting in bad faith with respect to dealing with me. It's representatives bounce me around and I spend hours a day on calls with various departments no one can and no one can help me.

Having no one to speak with makes it impossible to work something out with Cenlar.
In a nutshell, Cenlar is attempting to take my house for less than it's worth, keep my insurance settlement funds, and leave me high and dry with nothing. I have several hundred thousand dollars worth of equity in the house that Cenlar is trying to steal by using bad faith tactics. Cenlar has put roadblocks up at every stop to make it impossible for me to get out of this with my money.

I am now applying for government benefits and food stamps because I am living in a shack half burnt down with no ability to work because my office and all my my clothing and everything was destroyed. Nonetheless, I'm fighting and have to win this.
Show quoted text
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User's recommendation: Stay away unless you are a lender in need of a quick short term profit and is willing to take long term risks

Richard P Fgk

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Settlement check

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Check processed but returned and processed to the State of California. The State of California requires that I provide a copy of the check.

View full review
Loss:
$2527
Pros:
  • Great customer service
Cons:
  • Hard to get a hold of customer service

Preferred solution: Deliver product or service ordered

User's recommendation: verify address were the money should have been demt

Suzy T O

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Phoenix, Arizona

Interest from 2/1/2021 thru 6/1/2022

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I absolutely DO NOT have my loan number. My husband passed away {{Redacted}} 2/2/2023 and I DO NOT HAVE ANY INFORMATION FROM WHEN WE WERE WITH YOU.

Im doing our taxes from 2021, 2022, 2023 and I need our interest payments to you. Brads social is

528-82-****.

Im {{Redacted}} and my social is 529-08-****. I need them ASAP.

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User's recommendation: I need to speak to someone and you DO NOT give me the ability to do that because I do not have the loan number.

Lanette W Sse

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Borrower Academy Mortgage

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I need help getting to an agent at Cenlar. I'm an original borrower of Academy Mortgage who needs help.

I can't log onto the Cenlar website or get through on the phone to an agent because I don't have an active account. If you can help, please pass on my information for someone to contact me.

View full review
Cons:
  • Consumer dont have access to live agents for help
  • Gatekeep their live agents from none loan owners
  • Prior loan customers dont have access to historical records

Preferred solution: Deliver product or service ordered

Paul C Yxz

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Ucc 3 filing

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Hello,

I sent a certified letter on January 30th asking to have a UCC 3 filed, and I have yet to hear anything about the status of this request.

I have tried multiple numbers to reach someone, both customer service and legal, but no one answers. It's just an auto attendant, and all options lead to a dead end.

My attorney needs this completed as it continues to hold up a transaction.

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Cons:
  • Unable to speak to anyone via phone or email correspondance

Preferred solution: The company failed to file a UCC 3 termination on a loan which results in a lien on a property where there is not one.

User's recommendation: do not use

Lisa L Jdo

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

2708 Spruce Drive, Manchester, NJ 08759

I'm trying to find out about taking over the mortgage for this property. I'm very interested and I've tried reaching out to the owner, but I haven't been able to reach him. Can someone assist me with finding out about taking over the mortgage?

View full review

Preferred solution: Information on 2708 Spruce Drive, Manchester, NJ. 08759

Anonymous
map-marker Naugatuck, Connecticut

Irresponsible and predatorial

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After sending payment twice for same month and having black and white digital signature from the USPS of someone in Cenlar receiving the payment they still all the way to the top are telling me that that they dont have the payment and are adding a late fee to my loan and threatening us with reporting the late payment to the credit bureau. We have to call every month multiple times to make sure our payments are applied on time. The customer service is very rude and dismissive.

For the love of god, why this company is still in business is beyond my comprehension.

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Ginamarie Byo
map-marker The Bronx, New York

Horrible service and cannot even reach anybody by phone or email with this company. They have a loan out and I can’t even find them.

I cant get to reach anybody how do I do it? This is ridiculous. My telephone number is 914-918-**** and my name is Beverly Leonard please

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Roshni Qtn
map-marker Egg Harbor Township, New Jersey

Good.........

good!I had an issue which was resolved with a great repersentive, and now i just await my results. Thanks

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1 comment
Amanda T Pxb

Well then dam give us the number you called to speak to someone!!!

Gail B Qvr

Check owed never received

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Cenlar - Check owed never received

My son passed away and had a meeting with your company. They sent a check in the amount of $102.00.

I contacted your company, sent in the death certificate, and they were to issue a check in my name.

Acct # 009451****

Scott Beckman

It was a refund check.

My name

Gail Beckman

81299 Avenida Blanca

Indio, CA 92201

I sent all the necessary information but your company is horrible when trying to speak to a human. All information was faxed on May 31, 2024, to the research department.

Please look into this matter.

Thank you,

Gail Beckman

760391****

View full review
Loss:
$102

Preferred solution: Deliver product or service ordered

User's recommendation: Pick up a phone and transfer to a human

Tylin Unq
map-marker New York, New York

Co put you in sheriff sale before they even let you apply for lost mitigation

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Worst client experience

Most unorganized company you have to send in same documents over 50 times

They dont receive your documents on time. They keep losing your paper

Never the same person and you have to keep repeating over and they talk over you dont listen to you. They dont know your file at all. They dont want to take responsibility and they dont provide a checklist and each person tell you something differently. It was just like *** to work with them.

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User's recommendation: Stay away from this place

Margueritte Hvl

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Upper Marlboro, Maryland

Costumer service was understanding.

I paid on time however after 4 days I realize that the money was still in my account I started finding out why that.s where I realize the mortgage money did not go through.

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jared r Oro

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Help without social or acct number

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No one to talk to unless you can get your acct number verified. Just pick up the phone. Spend money on customer service people to talk on the phone!

View full review
Loss:
$100000
Pros:
  • Cheap
Cons:
  • Bad service

Preferred solution: Apology

User's recommendation: don't let them buy your loan

Isabell Z

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Mortgage payoff

She couldn't tell me over the phone, so I have to wait for her to mail it. If I verify who I am, why should she not be able to tell me the payoff? I don't need an official one.

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Preferred solution: Mortgage payoff

User's recommendation: Answer over the phone.

Scott B Ndl

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

You cannot reach anyone only robots and will not connect you to customer service

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A refund check was to come in the amount of $102. The death certificate was sent to the research department in May; no response.

This was for my son, Scott Beckman, who died in January 2023.

All papers were sent to the department and the check was to come to me, Gail Beckman, his mom. But, I have not received anything.

View full review
Loss:
$102
Cons:
  • Nonr

Preferred solution: Full refund

User's recommendation: Connect to customer service

About

Summary

Cenlar is an American financial services company. The company was founded in 1968. Cenlar is a subservicing company and wholesale bank. The company specializes in loan administration and reporting; originating, processing and servicing of loans and other products and services of financial nature. Cenlar focuses on subservicing. The company provides Private Label subservicing and much more. Cenlar is one of the leading companies in the market, it services all U.S. states. Cenlar services residential home portfolios and offers home equity loans, residential loans, auto loans, student loans and many other kinds of loans.

Cenlar reviews and complaints

Cenlar is ranked 324 out of 1133 in Loans and Mortgages category

Area Served

USA

Payment Methods

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