I am in the midst of a Federal lawsuit against Bayview. They illegally took a commercial property from me by lying to the court - and got caught. All of the lawyers involved got reported to the Florida Bar by the 3rd District Court of Appeals and now I'm going after the whole rotten bunch. Also, they took over $43K from my escrow account during the years '09 and '10 for "Forced Fire Insurance" by letting my $5500/year policy lapse. It looks like they placed the forced insurance with one of their own companies. So, if you are out there and have had similar experiences and don't mind telling me what you encountered at these land sharks' hands, I would appreciate hearing from you. I'm just a working stiff who bought a property so I would have a few bucks of income and an investment that would someday help pay my 10 year old son's college education, but these creeps took it away.

I have been getting phone calls from two different men who claim to represent Bayview Loan. I have been getting phone calls from two different men who claim to represent Bayview Loan. I am asked, "Is Nimox is there?", who of course isn't. Then I am told my phone number has been qualified to receive $1500 dollars and they want my email address, so an email form can be sent for me to fill out, sent back, have my information verified, and then an email will be sent to me telling me how to receive the money. (This is probably the part where the money is really a loan?)

The phone calls are relentless. No amount of saying "NO!" works. Hanging up does not prevent them from calling back.

A woman calls and offers me new insurance rate information and starts asking me questions right off wanting information as if I had agreed to something. She knows my husband's name, but only because I made the mistake of telling one of the men that the number they kept calling did not belong to Nimox, but to us. That is how I figured out she was with the men.

It is like bending iron to get any of them to tell me who they work for, phone numbers, etc. The information on my phone always says "unavailable".

I finally got some info from one of the men who told me he represented Bayview Loan, and that it was in California. But no phone number, and no address. I figure at this point I am the target of a scam that is going around that follows the same script. After accusing them of such, I received 7-9 calls right back in a row with one or the other guy calling me filthy names. Oh, and that they are not part of a scam, but are a legitimate company.

I only looked up the name of the company out of curiosity, and ah-ha! I had no idea it really existed, and not only that, everything I have read convinces me these are the same people calling me. Imagine that. The scammers are a "legit" company! Every complaint has the same identifying markers; I am glad not to have had the pleasure of doing business with them.

I will have to change my number, too. Based on the type of calls for the last two days they are determined to reek vengeance on me.

I have had 3 loans pushed to Bayview because my original lender was taken over by the FDIC. Prior to Bayview my loans were all up to date and on auto debit from by deposit accounts. I have experienced virtually all the previous mentioned complaints which cannot be all pure incompetance because nobody could possibly be that bad! Bayview sent me payment notices with wrong numbers, deliquency notices and pass due notices on loans that were fully paid and/or loans that I had their payment due notices that were still weeks away. They cashed my payments, earmarked them as "unapplied payment" then subsequently sent me deliquency and penalty notices even though they held my payment. They sent monthly rate change notices on loans that had no change. They billed me wrong amounts then attempted to collect the difference multiple times. They attempted to force flood insurance down my throat for double the price I already had inforce. They contacted my business bookkepper for information on my personal loans. They contacted a past business partner for all his financial info despite the fact that he had been removed from the loan 7 years ago. They sent an outside firm to inspect my property without my knowledge who then pasted a big neon sticker on my front door stating the property was abandoned then left nothing more than an obscure phone number to a firm that wanted my information but was unwilling to tell me who they were or who they represented. They misspelled my name in letters when communicating with me.

...and I never missed a payment, ever! This is criminal!

Who is watching these people? Are'nt there supposed to be regulators out there who are responsible for protecting the consumer from these types of predatory monsters? Who do I write to expose these people for what they really are?

I have a loan owned by Citimortgage but in July they outsourced it to Bayview Loan servicing. I was unaware of this and kept making my payments to Citimortgage and then suddenly get a bill from Bayview saying that I owe over $5000.00. I immediately call Bayview and get it worked out with them. There was confusion between Bayview & Citimortgage but I got it all worked out and Bayview tells me I am current. Well on October 6th, 2009 Citimortgage wrongfully files a notice of trustee's sale on my property. So I once again call Bayview and they try telling me I am over 3 months behind. This is bogus and I patiently email them all my past payments assuming they will work this out. But no, they are still sticking by the fact that I am 3 months behind even though they admit telling me I was current in July. I have just recently been through a lot (seperation, job loss, etc) so I had to move home and rent my house out. Now my renters are moving out because they are worried about the property being foreclosed on and being forced to move out. I just don't understand, here I am doing everything possible to make my payments and fulfill my obligation and they are blatantly trying to defraud me. By their actions they are forcing me into foreclosure. And in my research, I am far from the only one this has happened to BY THE SAME TWO COMPANIES, Citimortgage & Bayview. It has even happened to a close friend. They need to be stopped. I cannot fathom why they would possibly try to take advantage of people who are making their payments.

Bayview preys on the struggling family and kills American dreams. I got behind on my payments and tried to work with their collections department. They decided to foreclose anyway. They appraised the property for half of what I paid for it and sold it for only 2/3 of the appraised amount. Now they are suing me to collect the difference – which is over $100, 000! I am a struggling single parent who lives check to check. This is insane! How can big companies get bailed out, yet our government does nothing to help the middle class family?