Terrible customer service. Very argumentative. Doesn't listen. Difficult to deal with. Too bad I didn't have a choice. read more

My mortgage was sold to this company and I was pretty nervous after reading these reviews, but my experience over the past 12 months is very similar to everyone else. They mismanaged my escrow and now I have to pay a huge bill or my monthly payment goes up $200. I even called them a few months ago when I received my property tax statement to confirm they will be paying it and they said "YES".... This company is very unprofessional. How are they still in business? read more

This company is the worst that I've ever had the misfortune to encounter. They took over a month to board my loan. How does that happen? Set aside a good chunk of your day if you want to reach their customer service. I'm on hold right now for over 22 minutes and they have the gall to repeat a recorded message that says my call is important to them. read more

My mortgage was bought out by Seneca. Not much choice for me, but that's how the mortgage servicing works - ick! It's been 3 months now (Dec 2014) and I've been on the phone with them every month since they took it over. They don't really seem to know what they're doing - or at the very best, they are taking a long time to get my account in order so that it's correct and up-to-date. I guess the only choice I would have had is to go with a local lender. Right now, it's back to the phone for me - yet another conversation about the same problem I've had for 3 months now. Seneca - YUK! read more

can i give negative 10 bc you are disgusting and unethical!? these people are robbers. my mortgage was sold. they don't answer the phone and don't call me. you guys are stealing 97$ a month from me for earthquake insurance i already have and have sent proof! i have filed multiple complaints. i hope you go bankrupt. call the number it doesn't lead to anything. 18669195608 read more

Please do not get your mortgage through them. Unfortuanlly my mortgage was sold to them by my bank and I am stuck. There will try to charge you extra fees, they do not work with you at all trying to resolve any issues related to your payment. They changed my mortgage payment and it been over 2 months now since i been calling & emailing them trying to resolve this issue. They will not work you, but against you I would give them -100 stars if i could. read more

This is the worst mortgage company ever!!! There is no way to get a hold of anyone and they lock us out of our account every month for no reason. DO NOT DO BUSINESS WITH THESE PEOPLE!! Our loan was bought by this company, I am changing it as soon as possible read more

Horrible customer service. Reading a lot of these reviews, I guess I'm not alone. They didn't pay my state/county taxes so I had to call up customer service and tell them. They also don't return phone calls. I was having my loan refinanced with another company. The payoff was short so they needed more money. They called me. I tried calling them but did not get through. I left message and got no return phone call. Finally I was able to get in touch with them only after I had accumulated many days of per Diem interest. They denied my request to be reimbursed the interest even though they never returned my phone calls. Will never deal with this company again. Beware. read more

Bunch of incompetent jackasses. They bought my mortgage so I paid them well before the due date to be safe and now 3 weeks later they claim they have not received my payment. I have been making online payments for over 10 years and not once has anyone lost one of my payments until now. They should sell their business to someone who has a clue. read more

These people are managing hundreds of thousands of your dollars. That's scary. They have mismanaged my escrow. They do no respond to customer messages through their own website. When you call to fix your escrow account that they have mismanaged, they dismissively tell you it's not their problem. They have policies that actually keep them from accurately managing escrow. Look at the other reviews. The fact that a company like this can do their business so horribly and yet remain in business and seemingly profitable is a testament to why the mortgage industry collapsed. read more

Horrible company!!! Our home loan was just purchased by them a few months ago and we have had problems ever since. Very unprofessional company. Do not use this company for your home loan. read more

Awful company. Same story as everyone else. They purchased my current mortgage and screwed up the account. Didn't pay my taxes for an entire quarter. I kept forwarding them late notices from my city's tax collector. I called every week for 8 (EIGHT) weeks and file a BBB complaint till it finally was paid. I don't understand why they felt it was acceptable to pay taxes 2 months late, but if I didn't pay my mortgage for 2 months, wonder how they would react? read more

Worst organization I've ever been FORCED to do business with. Seneca bought my mortgage so I had no choice. Long story short, they will destroy your credit, lie to you, and send you from one rep to the next. I've tried working with Jim Mikoley, their ASSISTANT VICE PRESIDENT of asset management thinking, finally, someone who can make things happen! NOPE!! He flat out lied to me..in writing! Then will refer your case to customer service limbo. MY CREDIT SCORE DROPPED 110 POINTS DUE TO THESE CROOKS. Based on these reviews, I believe a class action lawsuit will be coming shorty. read more

GARBAGE, that's the only word I can think of to use to describe Seneca Mortgage. I have been trying to get a hold of my loan specialist for 3 months now. This last time I called the customer service rep told me that his line was disconnected. hmm, I asked if he still worked for the company, she said yes but that she couldn't get a hold of him. WEIRD! Every time I call requesting to Eric Larson, they say he's not available, customer service reps give me different answers to my questions. They are the worst company I have ever spoken to. ZERO customer service skills, just CRAP. read more

I just got a notice from my current mortgage company stating my current loan will be transferred to this crappy Seneca Mortgage Servicing LLC. So I called their customer service to see how should I set up my direct draft payment. OMG, I was on hold for 30mins + finally I have to hung up the phone since I have other businesses to attend to. After reading their review on Yelp, I have a feeling that I will have to keep calling this crappy company and have many more headaches with them. This mortgage company better not mess up my loan or credits, or I'm going to write to the Attorney General and the BBB. How can I transfer my loan to a different loan company?? I DO NOT WANT TO DEAL WITH Seneca Company AT ALL!?!?!?!!!!!!! read more

Just like the others, my mortgage was bought by this company. Worst customer service. Just trying to make automatic payments is an issue. They have issues with their website. Get it together Seneca. read more

BAD BAD Mortgage Company. Our Loan got sold too, before it even closed Escrow. We have dealt with starting the new relationship with a Mortgage Co before. Been with them for about 2 years, give or take. But this Seneca Mortgage Co....AVOID at all costs....they really suck. Have and will be fighting this problem: Sent the Oct payt Oct 5th,2015. Oct 16th I take a "Out of State" Call (our phone shows who calls) I ALMOST ALWAYS HANG UP ON NO NAME CALLS...ROBO CALLS as most of them are. That Out of State I took....Seneca Mortgage cannot even be Proud of their phone number....go figure. So I find out that the Oct Payment had not been received. OMG...I will talk to my Husband, and find out about this and will contact you back. OK. So He sent the payt Oct 5, Yes we have the proof. Not received. We go over the Address in TEXAS where the payt is sent...CORRECT. OK where is the payt then?? Seneca doesn't know, and now we have a Late Fee. Bank is researching the payt. A few days later Bank contacts us and tells us the Payt was returned, as UNDELIVERABLE to the same address that we have been sending the payt, and the same place that has been crediting the payt to our account.....WHAT THE HELL....Talk again to Seneca. Sending out the payt when the Bank Shows it is back in our account. Upon several conversations with different Seneca Servicing people...and receiving different and mixed messages we were assured this would not be a Credit Score DING, as we were working to get this resolved. AS of yesterday (and the Account is current...) Hubby gets a notice that his Credit Score has changed, from a quite high to POOR...WHAT THE ......!!!!!!!!!! SO THE FIGHT BEGINS....Seneca said QUOTE " There was a $32.00 Fee that was not paid so that is why we dinged your Credit Score". Believe me if we had known about the $32.00 FEE we certainly would have paid it. NO NOTICE, NO TELLING US in the 5-6 phone calls back and forth. ....JUST DING THE CREDIT SCORE....to POOR...REALLY SENECA....you f..king SUCK so do your employees. Feb 23, 2016 EDITING: Ok so yesterday Seneca sent us a notice that they had updated our Credit Bureau to a Current for October 2015...REALLY...It was Current according to Seneca as of Nov 2015 when you finally took the payment. So here we are again with Seneca ....Holding onto the payment in Texas way too long...and not CREDITING the Account until AFTER the Late Fee can be placed on the Account....January 2016 Payment sent out Jan 5th 2016, and not Credited until Jan 21st, 2016...Our Bank has been working with us on this...and they are very Frustrated with Seneca Mortgage and feel it is Very Bad Business. Today I was on the phone with the Bank as they called to let us know they are REFUNDING the Late Fee Charged to us by Seneca....OK that is fantastic...but the Point is that SENECA Needs to REFUND the Unlawfully Charged Late Fee not our Bank. I am glad we have a great banking institution...Kudos to them for that. The point here is that we send out our payment between the 2nd and the 5th of the Month....Seneca is NOT HOOKED UP TO THE ONLINE BANKING SYSTEM TO RECEIVE THE PAYMENTS IN THE 2-3 DAYS ALL THE OTHER COMPANIES ARE....this is the MAJOR Problem with Seneca. A online banking check is like a personal check being sent snail mail and has to be handled like a personal check. WE do NOT TRUST Seneca Mortgage to take out the payment each month from our checking account....NO ONE SHOULD. THIS is not a Good Reputable Company. We still are trying to get the Credit Bureau thing straightened out...Only God knows EDITED Jan 21,2017...OUR PRAYERS were answered and our loan Sold to another company that seems so far to be OK. Seneca also FINALLY got the Credit Bureau thing FIXED. People Please BEWARE of this shady company... read more

My mortgage was bought by this company. It is terrible. My last wait time was 45 minutes. When someone finally answered, I got yelled at for not having my account number ready. I'm sorry for wasting your time. They send me a letter the other day that I didn't make my last payment. I did send it on time with an additional 10% of my total loan towards the principal. When I called them, they said not to get upset because everything is in order.??? I was trying to get my PMI removed. I was advised that I need to write a formal request because they need to get approval from the investors. My loan is payed off 50%. Why would I pay PMI. I'm very close from refinancing with a real bank even if it costs me money up front. Do yourself a favor and stay away. read more

Completely incompetent company. As other reviews stated they do not know what they are doing and customer service is not helpful. On top of all that, these morons received a tax check from us to pay our city (we pay taxes via their escrow account) and we get a notice 6 weeks later from the city because its not paid. We call Seneca and they don't have a clue. They track it down and find out they just sat on the check and have no idea why it wasn't paid. They are rude and don't know what they're doing. Maybe I'll start up my own mortgage servicing, can't be too hard if these clowns got one started. read more

Also would post 0 stars if possible. If you can avoid this company, do. My taxes were not paid even though my statement says they were pain 3 months ago. I got a letter from the sheriff's office saying I owe $138.60 in late fees and that it will be turned over to a "third party" in 6 weeks. This happened last year with my insurance not getting paid. The employees are nice on the phone, but whoever is running things in completely incompetent. I'm just hoping I can get this resolved and not have to pay the taxes myself after putting plenty of money in escrow. Last year I had to pay the insurance myself before it got canceled and months later got a refund from Seneca. This company has serious problems. You would think they would have straightened this out in a year. read more

I would give 0 if it were an option. I have filed a complaint with ConsumerFinancialProtection.gov due to their predatory actions. I have owned my home over 16 years without a missed payment. Seneca bought my mortgage about a year ago and I have never received a statement from them, I didn't even know who they were until my original mortgage company returned my payment and told me about them (I had electronic statements with the other bank and the communication went to my bank but bypassed me all together). Earlier this year they supposedly raised my payment (fixed loan) due to mismanaged escrow account (sound familiar anyone?). Well they never told me (I don't have electronic delivery with Seneca because I don't trust them). I continued to pay my normal payment on time. Well, on March 14, they send me a letter (surprised as I was since they've never managed to deliver a letter to my home before). The letter said I was late for my March payment. I had proof of payment so I emailed them to get this corrected. After 5 weeks of back and forth (mostly on my part since they fail to respond timely) I learn about the escrow thing and while I have yet to receive a notice of the change, I sent a payment to ensure I wasn't reported negatively on the credit bureaus. Well, low and behold I went to buy a car over the weekend and was denied a loan (despite excellent credit history) because I was reported late for the April payment. This was totally infuriating! I had to take the day off work on Tuesday since Seneca has limited hours, which falls during my business hours. After phone tree HELL I tricked the system and reached a live person. (Press 4, then 0 on the call tree). I am an executive at a contact center so I get how it works, and will pass that nugget to you. Anyways, I reached a poorly trained parrot (not her fault, this just shows how awful her leadership is) by the name of Patricia. Patricia said that she is a member of the president's response team and assured she could help or would transfer me to a VP. After the most disgusting display of poor customer service (more than an hour on the phone mind you) Patricia refused to transfer me to management. She repeatedly numerous times that management would not allow her to transfer to them, basically they were refusing to speak to a customer. Basically, contact center executive suicide, when that executive leads at a creditable organization. However, they are NOT a creditable organization so this appears standard operating procedure at Seneca! Patricia became directly insulting, again, a product of her training. She had the nerve to tell me she felt "sorry" for me because I "allowed" myself to be upset over their poor service! I ultimately hung up on her (something I would not normally do but I tired of her unhelpful droning) but it was without a doubt the most frustrating call I've had. Moral of the story? Think twice before borrowing from Seneca. If your loan is sold to them? REFINANCE FAST! You'll want to get away from them before they can damage your credit. read more

This is a HORRIBLE mortgage servicing company ~ like Lisa R. my mortgage was bought out no choice. Their customer service has been pathetic and now they are saying they were never paid, dinging my credit rating. I have been on hold for over twenty minutes waiting to speak to the rep's manager who told me that I was the one who had done everything wrong. Seriously??? Please everyone ~ call or write your State Attorney General's office and have these people put out of business!!! read more

AWFULLLLLLLLLLLLLLLLLLLLLLLLLLLL!!!!!!!!!!! Transferred my mortgage without my permission or WITHOUT me knowing to these guys and now im 2 months delinquent and have late fees. I'm SO MAD. Have to reset up autpay, and everything else. Received 100's literally 100's of calls from a random number, that turned out to be these guys. If someone has the time to report this awful company to the BBB they should PLEASE. They need to be audited. They should be shut down as soon as possible. How do companies like this still exist in america? read more

The worst. I have had mortgages with 3 different companies and never have I had the problems I have had with Seneca. What's worse is that they bought my mortgage just 2 months ago and I've been on the phone with them at least once a week since. They failed to send my windstorm insurance payment, insisting that it wasn't escrowed, but somehow managed to send me a "refund" check for the same amount as my windstorm insurance. Luckily I was able to pay my insurance out of my own pocket while waiting to receive my "refund". I can't wait to see what they do with my tax money! read more

Whatever you do, DO NOT DO BUSINESS WITH THESE UNETHICAL PEOPLE! Several letters I have received from them appear to be nothing short of an attempt at extortion. My mortgage was sold to Seneca by another institution and I've had nothing but trouble with them. They never asked for proof of personal homeowners insurance (the exterior of my home is covered by an HOA policy), and then without any warning or request on their part, I received a threatening (to say the least) letter from them saying that their records "showed that my insurance has expired" and that "we plan to buy insurance for your property". They further stated in their letter that "the insurance may be more expensive than the insurance you can buy for yourself" and that it "may not provide as much coverage"!!! This is preposterous. I've had the same insurance company for the past ten years and their records clearly show there has NEVER been a lapse in my policy and that my policy has NEVER "expired'. I called the California State Bureau of Consumer Affairs to discuss this matter with a counselor and was told that this, unfortunately, is a common scam perpetrated by unscrupulous mortgage servicing companies, and that it is an attempt to extort money from inexperienced or unsuspecting mortgagees. The idea is that they will use the "excuse" that they had to buy insurance for you to raise your monthly payment! I admit to being shocked. I felt it only fair to warn potential customers of Seneca Mortgage of the pitfalls and dangers of doing business with this company. Please think twice and do some research before you consider doing business with this company. read more

HORRIBLE!!! I sent my payment on time and when it wasn't cashed I inquired to assure it was received and they confirmed that it had arrived. Ten days later (my check still isn't cashed), I emailed them and they respond that they didn't receive the payment! I have never in my life dealt with such incompetence. I wish my loan hadn't been sold so I didn't have to deal with these fools. read more

Cannot get anyone to answer the phone. Phone tree hangs up on me repeatedly. Not even horrible customer service. Non-existent customer service. It should be illegal to be forced to do business with a company, to have no say whatsoever over that relationship, and then be forced to suffer because it's cheaper for them to not answer the phones. Copy of this going to the Office of the Comptroller of the Currency, the Office of Thrift Supervision, and the Federal Housing Finance Agency. read more

Kim at customer service was great. I read the reviews and was extremely concerned that there would be issues but everything seemed smooth. I will say that they did take about 15 minutes to pick up. read more

Horrible customer service. If you email them, don't expect a response, and if you call in, expect a 30+ minute wait. I am on hold now (38 mins and counting) to drop them and switch lenders. If you have a choice, do not use them. read more

Horrible Customer Service they keep you waiting for the longest and when they finally do pick up you resolve nothing. They also charge you for late fees that you shouldn't have to pay because they always have you waitng for days and tell you that everything is good to go and every month its the same thing over and over again. You can't even speech with a manager because they happen to be in meetings every time you call!?! I don't recommend this company to anyone read more

We have had our mortage on automatic payment since we opened it. This company bought our loan and has been nothing but trouble. We had flood insurance, they bought flood insurance and charged us. We showed them we had flood insurance. They promised to take late payment off of our record. I have never had a late payment in my life. Well their departments don't talk to each other. Very dishonest company. Time for a lawyer. Stay away. Never had this kind of experience. read more

Seneca Mortgage Serving barely rates one star. Their phone messaging system keeps you away from any humans. And if you do reach one, the service is terrible. I just had an uninformed, impolite conversation that was too frustrating to even be called "service." I have set up auto pay and it works fine, but if something goes wrong and you need help, you are in for a bad experience. I had no choice for who services my mortgage, if I did I would NOT choose Seneca Mortgage. read more

Unfortunately, my mortgage was also sold to this company. I had no say in the matter and was simply notified of it. It has been horrible ever since. I used to have the option of making bi-monthly payments with my old company which results in major savings over the course of the loan. I have spoken to at least 4 customer service reps at Seneca trying to get information about setting this up and have received 4 different responses. All ultimately leading to NO bi-monthly payments. I have never encountered such rude and poorly trained customer service representatives. I had to explain to one what an escrow account was for. I don't blame them necessarily because I think it is their upper management that is to blame. They must have to field calls all day from very angry customers and they've probably had enough. Every single time I try to log into my account online, I get a message saying my account has been locked. Guess what this means...You have to call dreaded customer service again. As soon as interest rates go down, I will be leaving. read more

ugh!!! WHY????!!!!! This company just bought my mortgage and I'm terrified! I got a letter with a phone # and called. Couldn't get a human on the phone without the loan # which I entered repeatedly. The recorded voice said it was incorrect! Uhhhh, it's the loan # they provided. I really hate that I have no control of what companies buy my mortgage! read more

Refinanced with Loan Depot in 2014 and they sold the loan to Seneca. Nothing but problems from the very beginning. First they would not speak with me as the loan is in my husband's name. Fine I faxed authorization. They claimed never received. Faxed again. Never received. Faxed again, never received. etc etc. Finally received after 6 faxes. Today I am reviewing my credit report and Seneca is reporting this as a joint account. Called Seneca they refuse to speak with me because I am not authorized.... They are the MOST incompetent outfit I have ever encountered. read more

My mortgage was sold to this company. It's been a BAD experience. Just try getting through their phone maze to talk with a live person. Good luck! I sent and email requesting that someone call me, and 2 days later I got an email saying that "someone will call me within 3-5 business days." My additional principle payments were misapplied among other mistakes. I would NEVER recommend this company. read more

They just cannot manage the idea of bi-monthly payments. It's just too complicated for their feeble minds.

I have no experience with their customer service, so this is just about their website, ease of making payments etc. I will say, we've never had a problem so far and it's all been smooth. We closed escrow back in February and before the first payment was even due, we got a notification that our loan had been sold to Seneca Mortgage - nothing we could do about that. A few short weeks later, we found out our loan was later sold to Fanny Mae, but Seneca would keep servicing it, so any payments were still to be made to them. I got a little nervous reading their bad Yelp reviews expecting the worst, but luckily that hasn't been our experience so far. Their 'welcome pack' was sent in a timely manner, we were logged into their system in time, and setting up the online account with their website was very easy. We've been making one-time payments through their website every month using our bank account and have never had a problem with payments going through or anything like that. Only minor complaint: since they are on the East Coast and we are in California, we need to remember to make payments by 8pm our time (11pm Eastern), otherwise their website 'closes' for payments until the next morning. We've found that a little odd, but nothing too bad really. It's also really handy that we can monitor our mortgage balance, payment history etc. through their website at any time, even though we do get their monthly statements in the mail as well. read more

Seneca bought my mortgage about seven months ago. It was a smooth process for me to set up online payments - I had to wait maybe 6 days for my loan info to be available online. Two months ago I got a letter from them stating that my homeowners insurance was expiring and I needed to show proof of insurance. After reading other reviews I thought I would have a nightmare ahead of me trying to straighten it out. When I called Seneca, someone answered right away and I found out that my insurance company had sent the bill to the previous lender. I faxed them the new policy and Seneca took care of it the next day and my homeowners insurance was in good standing. I haven't had any other dealings with them (and hopefully I won't need to) but so far I have no complaints. read more

Like everyone else here recently, my mortgage was transferred from Seneca last month. While they were servicing my mortgage I had no problems with them at all. Now there is no way for me to get in contact with an actual human being when my account is closed. Their automatic system sends you straight to the new servicer who is not able to help you. read more