Conference 7.286::dcu

	I must agree 100%. My last bank got my statement to me within 2 days
after month's end which is how long it takes the mail to be delivered. My last
bank also mailed me my cancelled checks for no extra cost (but I guess that
isn't the issue here).

	I spoke to a teller last week who said the statements were put into
the mail on the 11th (a week ago last monday), but I don't think they mail
them all at once. Since mail wasn't delivered yesterday, perhaps they'll
arrive today?

Chuck (who is waiting for DCU statements so he can do his taxes)

p.s.	my last bank was marine midland in NY

    This is the reason I wrote note 78 about being able to find out
    interest over the Easy Touch phone system.  I don't like to wait
    that long for the statement!  I'm sure it's the US Mail that's
    delaying them! :-)   It'll be interesting to see if the January
    statement beats the December statement to my mail box!
    
    Don

    This is specifically addressed to John Tilley.  Please in detail
    relate the specifics as you told them to me on the phone for the
    long delay in getting the statements out to the members for the
    month of December.  
    
    So as not to cause a lot of wonderment as to what I am talking about
    the reasons John gave me are enough to make your hair stand on end.
     A lot of just plain ineptness on someones part.  A lot of hard
    questions should be asked of the management of DCU and the vendor
    who processes our statements.
    
    

       Well, we are now 2/3 of the way through the month and STILL no
    word from management. These people just don't CARE!
                                                                Denny

    My November statement didn't arrive at all. I called and had one
    resent (no charge, so they are reasonable about that) but I had
    become so accustomed to late statements, that I hadn't noticed it
    was missing. A local CU has just gone community (I think that's
    the right term) so I may now join because I live there. I may have
    to switch. I don't want to, because I have been with DCU since it
    started. 
    
    Sad.
    

    
    	This is perhaps a silly question, but why does DCU use another
    vendor to send out the statements?  With the volume that we do (when
    they *do* send out the statements, that is ;-), it seems that the
    expense of setting up our own printers and envelope folders/stuffers
    would be quickly made up.
    
    	Just how much do _we_ pay for DCU to use this other vendor?
    
    set mode/dreaming
    
    	Also, hmmm, I wonder if DCU could just NMAIL it to us over the
    network...  I'd prefer it on the system rather than being one more
    piece of mail coming in at home!  Might as well save on the postage
    *and* the printing costs.  Of course, DCU isn't Digital and so there
    might be an "outside people accessing our network" problem along
    with system security issues.

        Re .6 - I know you "set mode/dreaming" about sending statement
        information via EASYnet.  Before anyone else thinks that's
        a great idea, I'd like to point out that a fair number
        of DCU members are not Digital employees.  For example,
        former employees can keep their DCU accounts.  Relatives
        of employees can be members - my three-year-old son, and
        my mother-in-law are two that spring to mind.
        
Jim Stratton
        

    
    Re: .7
    
    	You're right, I forgot about the non-employees.  Since some internal
    people would also prefer to get theirs at home, I'm sure that there
    would have to be an option on the account to denote how the monthly
    reports are sent out.  Of course, given the state of DCU's software
    as amptly described in other notes, the phrase "be an option" would
    kill the idea right there!
    

    
    Re: .6 
    
    Let's not forget about personal use of Company Resources.
    
    

	Why not have a dialup system with an 800# to get the statement
	for those of us with terminals and printers?

    re: .9
    
    what is the difference between net work mail of statements and the
    existance of this notes file?
    
    /s/ Jim Williams

       Well, I was told on Monday thet the statements were sent out
    LAST WEEK. Are they being told to lie to us now?  I still haven't
    gotten it and LAST WEEK was a week ago. Must be the Post Office's
    fault, yeah, that must be it.
                                                      Denny

    Well, my wife's statement showed up in yesterday's mail.  There
    was a 1099INT along with it.
    
    Someday, I may see my statement.
    
    BobW

    The answer I received this morning from the DCU Customer Service
    dept was "They went out last week, but some probably didn't hit
    the mail til this week (i.e. Monday)." Somehow it doesn't seem worth
    the effort to feel angry at this point; my expectations of DCU have
    sunk so low, nothing they do will disappoint me.

        Remember, beyond a certain point, mailing the DCU statements
        is beyond the DCU's control.  It's done by a subcontractor.
        
        As for mailing statements electronically or allowing some sort
        of dial-in access, there may be limitations in the laws around
        credit unions that prevent the former, and I'm not sure that
        it makes sense to spend DCU money on the latter.
        
        Tom

    FWIW, I got my December statement on either the 22nd or 23rd (can't
    remember which) together with the Form 1099INT.  How far away am
    I from Maynard?  I live in the adjacent town of Acton.

        Mine came the other day, as well.  Not in the usual ocher color
        envelope, but in a white window envelope, so if you're not in the
        habit of opening "tax" stuff until you're ready to do your taxes,
        you might not open it. 
        
        Tom

    re:83.16
    
    The statements are run and mailed out of Hartford, CT.  The only
    things that I know of that are mailed out of the DCU Headquartes
    (or any of the branched I might add..) are receipts for deposits,
    loan information, and the much requested statements (for times like
    this).  BTW, we (Jim (EXIT26::STRATTON), myself and our son) received
    our statements on the 23rd too.  My mother received hers a few days
    earlier.
    
    Roberta
    (former DCU employee from BUO)
    

    re .9
    Tom, I would like to differ with you in relation to your statement
    that the situation is beyond DCU  - they have a subcontractor
    
    They have the responsibility to select the vender and to manage
    that vender.   If they are not happy with the vender ( and they
    certainly should not be happy) they they are not being responsible
    if they continue to allow this to happen.
    
    There seems to be a pattern in that it is always somebody else's
    fault.

    .19 should be re: .15,   Sorry bout that

Since we have recently received a few "official responses", perhaps we can get
one on this issue. The fact that statements are always mailed 1-2 weeks after
the end of the month is one of the most frustrating characterstics of having
an account with DCU. I can see no reason for this and would like to hear an
acknowledgement of the problem and resolution to improve the delay in
receiving our statements.

Chuck

    1-2 weeks!!!!
    
    	You're lucky, you must be at the beginning of the mailing lists.
    We received our September statements on October 21st!!! And
    they had the nerve to try and charge me $2.00 when I went to the
    local office for a statement on the 17th.
    
    								Mark
                                                               

    
    I don't know about this month but I just got my statement for the
    period ending October 31 this past Saturday. That would make it
    the 4th..anyone else got his/hers?
    
    Nisreen

>    I don't know about this month but I just got my statement for the
>    period ending October 31 this past Saturday. That would make it
>    the 4th..anyone else got his/hers?

	I got mine also in NJ on the 4th. I was in shock, to say the least!

Ted

My statement also arrived 4-November (thank you DCU)

    ditto; on the 4th...

    Got mine on the 5th (Sat) in North Carolina. Since it just sort
    of shows up whenever it was a nice surprise.
    
    Harry
    

    I got mine on the 5th also.  (I live in Rhode Island.)  I think
    it's the first time ever that I received it in the first two weeks
    of the month.  I must say I was shocked also.
    
    Don
    

    Don't have mine yet - unless it came in today's mail.
    
    /Ed

    Mine made it to Vermont on the 5th, which seems like a record.
    
    The bigger question -- is this coincidental or have they made some
    real changes in their process??
    
    Let's see what happens in December.
    
    Larry
    

Well I got mine yesterday.  Which is surprising, 'cuz it usually comes around
the 3rd week of the month...

Jp

    Anyone get their November statements yet?
    							Mark
    

    
    Not a thing, and of course they're always late...
    
    November's no exception.

       Got mine yesterday!
                                                   Denny

So did I..I almost always get mine around the 7th or 8th of the month.

Jenna

    We got ours today.
    
    Roberta & Jim Stratton

        And I've already balanced the checkbook...
        

    	Geez, we may get ours sooner that y'all.  Maybe the good ol'
    DCU is a takin' care of us po folks overseas!!  Ourregular mail
    can take up to 15 days...1st class mail, that is.  Then, if you
    put a mail strike on top, well....
    
    	Y'all got it made as far as paperwork is concerned, you've just
    never had any OTHER type experience, therefore having a very narrow
    "experience window" contributing to frustration with minimum change.
    
    Keith

.38> Geez, we may get ours sooner that y'all.  Maybe the good ol'
.38> DCU is a takin' care of us po folks overseas!!  Ourregular mail
.38> can take up to 15 days...1st class mail, that is.  Then, if you
.38> put a mail strike on top, well....
     
    I assume you are somewhee overseas (although I didn't realize the
    DCU could operate outside of the U.S. - is this true?). Are you
    trying to tell us that overseas DCU mail should arrive before DCU
    mail in the states? I think not.
    
.38> Y'all got it made as far as paperwork is concerned, you've just
.38> never had any OTHER type experience, therefore having a very narrow
.38> "experience window" contributing to frustration with minimum change.
     
    You're amazing. Now you are telling us that you know all the
    experiences that all the noters in this conference have had. Must
    be nice to be omniscient like that. I know that the comments I have
    written in this file have been based on lots of experience with
    other financial institutions. I'm not in the habit of making critical
    comments about something without having any basis for the comments.
    
    Do you have anything concrete to say or will you keep baraging us
    with "the DCU is great - how can you people possibly complain".
    If you read the notes in this conference you will see that most comments
    made here are based on legitimate gripes and problems with the DCU.
    Sure, there are other financial organizations that are worse than
    the DCU, but that is no excuse for the DCU to be anything less than
    they can be. That is why we put our comments here. To try and improve
    an organization that could use improving.
    
    So I'm in a bad mood - too much to drink last night!
    
    -Glenn-

        I used to work at a bank where statements were sent out
        at different times during the month - they didn't all go
        out at the beginning of the month.
        
        As I recall, an individual's schedule was based on when
        the account was opened.  If you opened your account in
        the middle of the month, for example, that's about when
        you'd get your statement.
        
        I'd like to see DCU start something like this.  I even
        volunteer to have a longer-than-usual wait when DCU first
        implements this.
        
Jim Stratton
        

    RE:.39
    
    	Why not?  Send the statements out to foreign locations first...the
    mail usually takes longer.  If you live within a few miles you can
    always drive over to a DCU branch.  The folks abroad rely on the
    post...without US compatable touch tone type telephones.
    
    	DCU IS GREAT!!  KEEP UP THE GOOD WORK!!  OPEN MORE BRANCHES!!
    
    Keith

    re: .-1
    
    > If you live within a few miles you can always drive over to a
    > DCU branch.
    
    I don't think this would do any good.  Access to your monthly statement
    is only available via the mail.  If you're talking about just getting
    your *balance*, sure, they could do that at a branch or over the
    EasyTouch system, but (as was said in an earlier reply) that doesn't
    help you balance your account.
    
    - Chris
    

    Well, it looks like DCU's record string of prompt statements has
    been stopped at two months.
    
    Here it is January 16th and neither my wife not I have received
    our statements.
    

re: -1

Bad News:  Received my statement yesterday, clearly late.
Good News: 1099's were enclosed, much better than last year...1099's didn't
           arrive until february.

        We got our December 1989 statements yesterday.  I'm writing
        this note to remind people that (1) the envelope is white
        rather than the usual gray and (2) the 1099 income tax-related
        form is in it as well.

Yes

I wish they had done it in reverse order...put the 1099 in with the
statement in the grey envelope. I put the white env. in a stack with
other 1099s and just opened it by accident. Its bad enough that our
statements are not too timely but to hide them even more.........


Lloyd

           <<< Note 83.45 by EXIT26::STRATTON "I (heart) my wife" >>>
             -< December statement contains 1099 tax form as well >-

        We got our December 1989 statements yesterday.  I'm writing
        this note to remind people that (1) the envelope is white
        rather than the usual gray and (2) the 1099 income tax-related
        form is in it as well.

    RE: .46
    
    Geeesh!  Let's not too nit-picky with DCU here.  They got the
    statements and 1099 statements out in reasonable time and even mailed
    them together to save some money.  I didn't consider my statement
    "camoflaged" because I took 3 seconds to open the envelop.  Let's give
    DCU some credit when they deserve it.
    
    Phil

    I agree with -1.  If you put away an envelope without opening it,
    ASSUMING that you know what's inside, that's your problem, not any
    fault of the sender.
    
    I now have all my 1099s from DCU, and it's only mid-month.  Let's
    give them some credit here.  I'm still waiting for my 1099 from
    the Leominster CU.

       Aren't the words STATEMENT and TAX DOCUMENT both on the front
    of the envelope? I don't have it with me, but that's what I seem
    to recall.
                                          Denny

    
    Not that I could remember. It was a white 2-window envelope,
    the only way I knew the statement was there was because I open
    all my mail immediately, then file it appropriately after.
    The statement was behind the tax form.
    
    Fred

        The envelope said
        
               STATEMENT IS IMPORTANT
            TAX RETURN DOCUMENT ENCLOSED