If PO Box 11733 in Newark, New Jersey is printed on your mortgage statement or on an envelope you are holding, it belongs to Cenlar FSB — a mortgage subservicer. Cenlar collects payments and administers loans on behalf of banks and credit unions, which is why the name on the box is often not the name of the lender you thought you borrowed from.
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What this box is actually for, and why that matters
PO Box 11733 is a payment address. Cenlar directs borrowers in the eastern and central states to send loan payments there, and borrowers in the western states to a different box in Los Angeles. It is a lockbox for checks. Nobody at that address reviews a complaint.
If something is wrong, Cenlar publishes separate addresses for it:
| Purpose | Address Cenlar publishes |
|---|---|
| Payments (eastern and central states) | P.O. Box 11733, Newark, NJ 07101 |
| Errors, requests for information, qualified written requests | P.O. Box 77423, Ewing, NJ 08628 |
| General correspondence | P.O. Box 77404, Ewing, NJ 08628 |
| Payments (western states) | P.O. Box 54040, Los Angeles, CA 90054 |
These come from Cenlar’s own published payment guidance and from a servicing contact sheet issued by one of the banks it works for. Both give the same boxes for the same purposes. Sending a complaint to the payment box is the most common way a dispute goes nowhere — it is not ignored so much as never read by anyone able to act on it.
When the problem reaches your credit report
A servicing error rarely stays a servicing error. A payment applied late or to the wrong loan, an escrow shortfall that was not yours, a transfer between servicers that dropped a month — each of those can be reported to the credit bureaus as a missed payment. Once that happens you have two separate problems: the loan record, and the credit file.
The credit file is where the Fair Credit Reporting Act applies. Cenlar is a furnisher: it supplies information about you to the bureaus, and the Act requires it to investigate when you dispute what it reported. That duty is triggered by disputing through the credit bureau, not only by writing to the servicer.
What to do, in order
Write to the right box. Send a written notice describing the error to P.O. Box 77423, Ewing, NJ 08628, not to the payment address. Say what is wrong, give the loan number, and attach what proves it — the check, the bank statement showing it cleared, the payoff letter, the escrow analysis.
Dispute with the bureaus as well. If the error has reached your credit report, dispute it with each bureau showing it. That is the step that puts Cenlar under an obligation to investigate what it reported. Experian’s written disputes go to Allen, Texas and TransUnion’s to Chester, Pennsylvania.
Keep the paper. Post it by a method that produces a receipt, keep copies of everything including the envelope, and note the dates. If the entry is still wrong afterwards, those dates are the case.
What usually happens
We analyzed every credit reporting complaint filed with the Consumer Financial Protection Bureau in the twelve months to 30 June 2026. Of 5,867,288 complaints, about a third ended with the entry corrected, roughly two thirds ended with an explanation and nothing else, and 947 ended with money changing hands. The full breakdown is here.
Frequently asked questions
Why am I paying Cenlar when I borrowed from someone else?
Cenlar subservices loans for banks, credit unions and mortgage companies. Your lender may still own the loan while Cenlar handles the statements, the payments and the escrow. The change usually arrives as a servicing transfer notice.
Is PO Box 11733 Newark NJ a scam?
No. It is Cenlar’s published payment address for the eastern and central states, and it appears in Cenlar’s own guidance and in servicing contact sheets issued by the banks it works for. As always, if a letter asks you to call an unfamiliar number or divert a payment somewhere new, verify it against the number on your statement before acting.
My payment was on time and it was still reported late. What now?
Send the written notice to the Ewing box with proof the payment cleared, and dispute the entry with each credit bureau that shows it. Doing only the first leaves the credit report untouched; doing only the second leaves the loan record untouched.
The loan changed servicers and a month went missing.
Transfers are one of the more common points at which a payment history breaks. Both the old and the new servicer may have reported, and the entry may be wrong on one report and right on another, so check all three.
Does a mortgage late payment matter that much?
It is among the entries that affect a credit file most, and it tends to surface at the worst moment — a refinance, a car loan, a rental application.
If the error is still there
The Fair Credit Reporting Act requires a furnisher to conduct a reasonable investigation once you dispute through a credit bureau, and requires the bureau to do the same. Where those duties are not met the Act provides for actual damages, and for statutory and punitive damages where the failure is willful. Claims generally must be brought within two years of discovering the violation.
More on this servicer specifically: Cenlar mortgage credit report errors.
The Kim Law Firm represents consumers in credit reporting matters under the FCRA. Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts. Get a free case review or call 855-996-6342 — you pay nothing unless we win.