No. I get mail later in the day than I'd like, but I rarely have delayed mail or wrong mail. Actually, we've had the same mail people for ages. My city isn't teeny but it's personable and friendly so we rarely have problems. My mailman has a crush on me, leaves flowers for my birthday and holidays and freaks when I'm ill. If I'm accidently short on funds (ie: leave wallet in glove compartment in car) the clerks cover me and then I run and get the balance. I know there are tons of problems. But for once, I consider myself as lucky as he$$.