Cenlar FSB

is this check real? I just received a check in the amount of $4,000.00- with a comment that reads 'FOR MISAPPLICATION REVERSAL' ? What does that even mean? they are not my mortgage company, but I believe they held my loan a few years back when my loan was sold to them...I've since refinanced and happy with my lender, but what do I do with this check? I'm on hold with their customer service as I type this... waiting to verify this check is good! anyone have any idea here? the check was alone, no statement attached or explanation letter, just the check in the envelope. Looks legit. I went ahead and deposited it so I guess ill find out soon!

08/25/20 I've called three times totaling more than 3 hours and 20 minutes of hold or talk time. I have also sent a message while logged in and emailed an email address I was given. I've talked to six different people and am still not closer to a solution. CENLAR misapplied automatic payments that I've been making for years for the last several months. They are now saying I'm delinquent and won't fix it. I've even sent them a spreadsheet explaining how to fix the issue. 36 minutes on hold and no closer to a solution.

This is by far the worst company of any kind I have had experience with I have had two questions I called them about Each time I have had to call back at least five times because they either didn't call me back, didn't mail me information I requested, gave me different answers to the same question, etc Each time I've called, the initial person, or person I last spoke with, had not followed through on things (for example, submitting a request for an escrow analysis) Each repI spoke to also gave me completely different answers to even the most basic of questions I have never been so frustrated with any customer service department as I have been with CENLAR

One month is how long it took to Cenlar to fail me Hours on several calls asking for assistance don't even get me a call back They can't even adjust a lowered Homeowners Insurance payment for me Also they lastly claimed a raised "FHA Mortgage Insurance" rate will now raise my payment by $per month! This is a total Lie per my Closing Co, there are no such FHA fee raises, ever! So what do they plan to do with a raise? I'm afraid to be a customer here!

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me I just wish I didn't have to go this far to get what I needed Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me With that said, this is what the company has told me before in a letter and what the company tells me every time I speak with them on the phone, yet nothing is done and nothing has been done My monthly mortgage statement still shows the fraudulent charges on my account I have also been told the amount has come off several different times, only to be put back on the account I have advised both Franklin American and [redacted] if the matter does not get resolved once and for all, I will seek legal counsel Regards, [redacted]

This letter is in response to your correspondence received in our office on March 13, We apologize for the delay in responding to Mr [redacted] request to remove the Private Mortgage Insurance (“PMl”) requirement from the loanThis is not the level of service we strive to provide We have retroactively removed the PMI requirement on Mr [redacted] loan effective January 13, As a result, Mr [redacted] is entitled to a refund in the amount of $15.44, representing PMI payments made since he submitted his requestThese funds were deposited to the escrow account in two installments; $was applied to the escrow account on March 21, and $was applied to the escrow account on March 28, The monthly installment has been adjusted to $1,to reflect the PMI cancellation Should you have questions with regard to this matter, please contact me at [redacted] Sincerely,

In follto our conversation, we spoke with [redacted] who filed the complaint [redacted] confirmed the complaint is in regards to the company ( [redacted] ) who assisted with the modification and not Cenlar itself because we approved a modification Can you remove the complaint from Cenlar’s record

By far the worst mortgage experience I have ever had This will now be my fourth loan I have had and first with this company Their customer service shouldn't even be given a one star When I first bought my house platinum mortgage was the holder, soon to be bought out by cenlar before my first payment was due Check was made to platinum then forwarded to cenlar as they were the new carrier Payment was which is was the check was made out for CSR rep at cenlar only processed the check for 1083.10, "short of actual payment." Online it still showed me owing the full amount, as it was placed in a suspense account from not receiving full payment I waited until the check cleared my bank to make sure it wasn't my error Sure enough, I had wrote the check out correctly and it was their error To note I was getting debt collection calls everyday even when I was in the grace period I had called multiple times explaining the situation and to not be contacted, to where I still was in the future After multiple attempts to CSR reps I requested a manager on 11/16/and waited almost minutes for one After minutes of trying to explain to this so called manager what was going on, to whom didn't speak or understand english that well, he finally seemed on board and stated that it would be taken care of and it should reflect by thursday the 19th 19th didn't show anything, nor the 20th or that weekend or the following week On the 24th it was showing a complete reversal of the but I had nothing back in my account receiving the credit and on top of that received an updated statement that day in the mail for two payments, "november and december" along with a delinquent notice Furious doesn't even describe the feeling I called again that day and waiting again another minutes for a manager It took this manager another minutes to get on top of things Yes that's one an a half hours to deal with this Stated that my refund check was mailed out on the 17th with regular postage and I should be receiving it tomorrow the 25th They send out my delinquent notice first class, but my refund on their error regular mail Complete disregard to customer service Overall I have spent about hours on the phone with this company to fix their error on not knowing how to read / process a check, without one bit of an I'm sorry I am truly disgusted to have this as my lien holder and hope they get bought out as quickly as possible Anyone who has this company should be prepared for no customer service what so ever This company is a joke and shouldn't be in business at all

I tried to log into my account to pay and they locked me out saying that my password is invalidIt is the same password it always has been! They sent me an email stating that my account has been unlocked and surprise! It's not!!!! Beware!! I read reviews online about them trying to make it difficult to payI will be refinancing in the near futureThis company has no place having an A+ rating, not to mention being in businessCustomer service is horrible and obviously nobody there knows how to do their job!

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID and find that this resolution is satisfactory to me Regards, [redacted]

[redacted] This letter is in response to your correspondence dated March 21, We appreciate your patience as we researched this matter [redacted] contacted us regarding a replacement for our check number [redacted] in the amount of $1,551‘which was issued on November 11, The check became stale dated when not cashed within daysThese funds were originally returned to the borrower as they represented a partial payment for his mortgage We believe this matter has been resolvedOur records indicate that this check was stopped on March 12, 2014; the following day, March 13, the funds were credited to the borrowers loan account, placed into suspense (see Customer Account Activity Statement, enclosed)On March 17, 2014, the funds were transferred to the borrower’s escrow account, and the next day, March 18, disbursed as an escrow refund on our check number [redacted] in the amount of $1,(negotiated copy enclosed) We note that [redacted] first contacted our offices regarding this issue on January 28, We regret the inefficient manner in which resolution was reached as it does not reflect the level of service we strive to provideTo avoid similar issues in the future, we recommend [redacted] discontinue sending in partial paymentsShould the borrower continue to send less than the full amount due, he runs the risk of the payment being returned to him because our system does not recognize a payment amount that is less than the full monthly installmentOn some occasions, the partial payment is not applied to the loan and instead is placed in a suspense accountWhen this occurs, there is no benefit to the borrowerAlternatively, the system applies the funds to outstanding fees, if applicable Should you have any questions with regard to this matter, please contact me at [redacted] Sincerely, [redacted] Service Excellence Administrator

Complaint: [redacted] I am rejecting this response because: Hi, this case is absolutely not closed! We agreed on a settlement and the presLied and said they mailed a check and I received it now they won't answer any of my emailThey are absolutely crooks and I Will file suit against them and call the local authorities for mail fraud!!! Thanks, ***

I have been trying for some time to get rid of my PMI It's clear that Cenlar wants me to keep my PMI so they simply don't reply to my requests or they take days of a day month to reply, with a less than helpful reply, requiring a reply from me, which gives them another days to repeat the process I've finally--after several months of this run around--gotten to where I have requested an appraisal in writing...and again...no reply Again, its been days It feels like my lender is holding me a financial hostage because they simply will not reply in any sort of timely fashion I don't know how they can conduct business in this manner and yet have a good Revdex.com rating???

I have made dozens of phone calls to this company trying to fix the over charge in my escrow - the first phone call was perfect, she corrected (or so I thought) told me my new monthly payment amount & the amount I had overpaid into escrowI received a partial refund and since then have gotten no where other than being told they will "put in a request" for it to be corrected !!! I can not stand this company's unprofessional-ism and deceit -- DO NOT VOLUNTARILY USE THIS COMPANY!! I am stuck with them until I can re-finance my mortgage HORRIBLE - BAD - THIEVES ...not enough bad adjectives to describe Cenlar

I apologize, the response to the below complaint has not been uploaded We are unable to locate a loan in our system with the information provided We attempted to reach the complainant but we have been unsuccessful How should we handle the response?

My mortgage was bought by Cenlar a couple of months ago and I had a pleasant experience until recently My insurance is due and the escrow is there to pay itMy policy holder has not changed, the agency has not changed and I have uploaded the updated policy information into their site I have gotten a cancellation notice from my insurance company, a letter from Cenlar that if I do not provide my insurance information (they had it and I have uploaded it again) they will provide insurance for me at whatever rate they find I have sent multiple emails to their message center and gotten a response that they would get back to me within hoursThat has not happened on any of the emails that I have sent and I just sat on hold for an hour to try and get this sorted out with no representatives answeringI am beyond fed up with this

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According to our records, *** *** utilizes *** *** a third-party bill-pay service, to make the monthly installement of $The full monthly installment was received for the payments due on November and December 1, However, beginning on January 3, 2013, *** *** began remitting payments of $through *** ***
Please note: *** *** is not our vendor; they work directly for the borrower or as a bill payment vendor for *** *** banking institution*** *** is not a conforming method of remitting a payment since the vendor has no knowledge of the full payment amount and accepts any amount from the borrower for remittance to our officeFor this reason, we respectfully disagree with his statement that we “accepted [his payments] until February 2014.” Since the funds are received electronically, we are unable to reject a payment remitted to us by
*** ***
Conforming-methods of payment are check and coupon sent to the Payment Processing Center, one-time payment-by-phone, e-payment, or automatic payment (ACH)All conforming payment methods require that *** *** remit a full monthly payment
In addition, the Promissory Note and Mortgage the borrower executed at closing stipulate that the monthly
installment is due on the first of each monthFurther, if the monthly installment is not received by the 16th of the month, a late charge will be assessedThere is not a provision
date ('lb'th) each month," we note that no notice was mailed to *** *** notifying him that partial payments would not be accepted, prior to the returning of his payments in February As a result, we have submitted a correction to the credit repositories to reflect that all payments have been “paid as agreed.” We ask that *** *** allow days for the correction to be reflected on his credit report
As an alternative to utilizing *** *** *** *** may wish to consider enrolling in our Budget Drafting (ACH) program, a free, convenient service that debits *** *** bank account every other Friday, for half of the monthly installmentA Budget Drafting Automatic Payment (ACH) Authorization is enclosed
If you have any questions, please contact our Service Excellence Administrator, *** *** ***, at

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***