Cenlar FSBReviews of cenlar.com

I’ve had a very disappointing experience with this company. There seems to be a serious lack of organization and communication. I've been trying to resolve an issue regarding my escrow balance check for over three months, and each time I speak with a representative, I get a different explanation. It’s incredibly frustrating and exhausting. While they’re quick to follow up with repeated calls if a payment is even slightly delayed, they don’t show the same urgency or consistency when it comes to addressing customer concerns. At this point, I’m extremely dissatisfied and would not recommend this company based on my experience.

I really would like to give them no stars. Cenlar is a horriable place to deal with. Don’t want to answer or listen to anything you have to say. If they call I tell them I made a payment and I am on paper that they can talk to me because my boyfriend isn’t home, but don’t want to take time to look it up. I take care of our bills. They are very rude people and disrespectful callers.

Our home loan was sold to Cenlar. They had the home loan for four days in which that time we made a payment. Since then, Cenlar has sold the loan to Village Capital. You cannot speak with an agent at Cenlar. On the automated system it states that any money paid will be transferred to the new loan company within 60 days. It's been well beyond the sixty days, and our new mortgage company has still not received the first payment we made

WARNING - This is actually zero stars Believe everything awful you've read here (and in Consumer Affairs, and on Yelp). This is the single worst financial company you'll ever work with. So awful it feels like a scam. Basic things like calling customer service just don't work. They hang up randomly. The phone system feels like it's two decades old. When you reach someone, they're rude, like they hate their job and just want to get the conversation over with. Security questions are weird and unlike other financial institutions. They'll ask you to enter your full social security number or the full name (plus middle name) of another person listed on the account or the balance of a paid-off loan. If you get any one thing wrong, even once, they'll refuse to talk to you. BUT they'll tell you to call again later. And if you call again, you can go through all the prompts and security and try again. So it is not secure. I was able to call 4 times, trying again with different answers, and they never noticed or locked the account (or contacted me). Forget whether it's a good financial product. If you're doing business with them, it's probably not because you chose them. And they know that. Honestly, something seems awful fishy about a company that has no interest in actually doing business. I'm going to pass on my experience to the Consumer Financial Protection Bureau. Update Oct 2024: Still awful. I'm trying to find out why the website is telling me my payment will go up (by a lot). After extensive questioning, the first person says I need to talk to customer service (huh? who have I been talking to?). After talking to "customer service", they say I need to talk to the HELOC department (okay, why didn't the first person transfer me to the HELOC department?). Then they hung up. Just hung up the phone. Update Apr 2025: Still terrible. There's no way to enroll in autopay from the website (what year is this?). You have to ask for a form to be mailed to you, sign it, and mail it back. I've asked for this form three times over 6 months and have not received it. I believe they have an interest in not enabling autopay: then people miss payments and are charged penalty fees.

It physically pains me to have to give them even 1 star. 0 stars, negative 10 stars. I'm just trying to pay off mortgage and they won't let me pay it through the pay portal. Can't pay by phone nor personal check. The last $100 has to be payed by wire or cashiers check and they won't even give me an exact number. $xx plus a penny for every day after x date plus xx if it won't be recieved by x date. And if it's not right, there will be a $200 charge. And if the loan is delinquent because we wouldn't let you pay you have to contact this office but no, we're nit including any contact information. Good luck.

I wish I could rate them less than 0. I did not opt to do business with this company or its sister/partner company CENLAR. But still they bought my loan from JET HOME LOANS that I was lured into by Dream Finders Homes with 10K closing costs assistance. Little did I know at that time, that I will be doing with such horrible companies like CENLAR and FBC. As for my story, where do I begin? With the first mortgage statement for twice the amount (Principal + 2X Interest) with a wrong due date, or right now where they are refusing to apply my payments to my loan balance? Their only excuse for all these blunders is that they are still in the acquisitions phase for (is it 60 days or 90 days, depends on who you talk to at CENLAR and/or FBC) and that we have to be patient. But they are not patient with their bouncers and legally required notices. They don't apply my timely payments, but they have the audacity to have their bouncers call me threatening me with foreclosures and keep sending letters threatening me with foreclosures because I am "delinquent" on my payments. I clearly told them that they are behind everything, and they are the ones delinquent in ethics, morals and integrity. It is not until I complained on CFPB that they finally orally confirmed that I paid my monthly amounts and promised that they will apply my payments to my loan by Mar 9th. Apparently, they apply payments manually but send out bouncers and letters using an automated system. Wow! What a choice of processes to automate. No sane company would ever automate bouncer calls and threatening letters without automating payments application first. They delay applying payments and then mark my account as delinquent. Who runs a company like this? I am thinking of refinancing even if it is a little more expensive.

The worst lender. Very disappointed that my original lender transfer my loan to this company. Website sucks. Very slow in response!!

cannot log on. This must be improved. Further, the Tech are not helpful in resolving issues.