
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.
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.Recent recommendations regarding this business are as follows: "Well, theyre criminals, so. yeah. Avoid.", "verify address were the money should have been demt", "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.", "Stay away unless you are a lender in need of a quick short term profit and is willing to take long term risks", "do not use".
Most users want Cenlar to offer a solution to their issues.
Consumers are not pleased with Reliability and Customer service. The price level of this organization is high according to consumer reviews.
Media from reviews





















Never posted additional payment
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.
User's recommendation: Well, theyre criminals, so... yeah. Avoid.

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 |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.
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.
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
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
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 ReviewerSettlement check
Check processed but returned and processed to the State of California. The State of California requires that I provide a copy of the check.
- Great customer service
- 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
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 |Interest from 2/1/2021 thru 6/1/2022
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.
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.
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 ReviewerBorrower Academy Mortgage
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.
- 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
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 ReviewerUcc 3 filing
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.
- 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
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 Reviewer2708 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?
Preferred solution: Information on 2708 Spruce Drive, Manchester, NJ. 08759
Irresponsible and predatorial
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.
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
Good.........
good!I had an issue which was resolved with a great repersentive, and now i just await my results. Thanks
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****
Preferred solution: Deliver product or service ordered
User's recommendation: Pick up a phone and transfer to a human
Co put you in sheriff sale before they even let you apply for lost mitigation
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.
User's recommendation: Stay away from this place
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 |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.
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 ReviewerHelp without social or acct number
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!
- Cheap
- Bad service
Preferred solution: Apology
User's recommendation: don't let them buy your loan
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 ReviewerMortgage 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.
Preferred solution: Mortgage payoff
User's recommendation: Answer over the phone.
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 ReviewerYou cannot reach anyone only robots and will not connect you to customer service
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.
- Nonr
Preferred solution: Full refund
User's recommendation: Connect to customer service
About
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 is ranked 324 out of 1133 in Loans and Mortgages category
USA
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Well then dam give us the number you called to speak to someone!!!