several months ago I sent in a couple of postings relating to Accrued interest amounts being sent erroneously to the IRS. Since then i have gotten one bank to change the format of the year end report. Using their disclosure information I was able to make them change the posting date to 12-31. Now there is no large accrual and I don’t have to pay tax on that accrued interest thus saving me about $150 a year and everything is correct. The rest of the consumers are still being fleeced. There are still problems with other banks and I’m still hoping that somewhere out there there are people that have seen through this.