My account was sold to bayview from CITI Financial because CITI financial got out of the mortgage business. bayview lost my VERY FIRST payment to them and continued to bill me. 4 months later, after having told bayview that I had delivery proof of their receipt of the payment, they still were adamant they had NOT gotten it. I got my Florida State's Attourney's office involved and they finally "found" my check, (as bayview told me,) behind the desk! Someone had "dropped" it accidentally. bayview is a crooked company. NEVER, EVER voluntarily do business with them. I am trying to finalize my mortgage with them and they can't even give me a straight payoff amount.