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Inept and rude: these two words best describe the CCO Mortgage experience. They twice failed to submit the necessary yearly homeowners insurance payment which comes out of my mortgage, despite the fact that I called them repeatedly to remind them and ensure they had the correct address (they had the address, they just chose to send the payment to the wrong one). Their latest snafu was to withdraw a mortgage payment twice over the course of two days; the second withdrawal caused the account to be overdrawn. When I contacted them to fix the problem because they continued to attempt withdrawal of the second, unnecessay payment) their customer service reps were idiots -- rude, abrasive, not attentive to the details fo the situation...Managers were worse. They are always "in a meeting." They never return phone calls. I left message for three or four; not a single call back desite my daily followups. I even called corporate headquarters -- still could not get a response. I even lodged complaints with my local bank since it is a "sister institution." My bank reps were appalled and embarrassed at the way CCO treated me. I only wish I could switch to a different mortgage company.