One month after Christmas, the U.S. Postal Service is scrambling to catch up on millions of pieces of mail that have not been delivered.
And it could be weeks before mail delivery is back to normal, even though the the holiday mail rush is over.
Helen Forester is among those with late arriving bills.
"Actually I have one that was dated Dec. 24," she said, "but I didn't get it till the first week of January."
At the Groesbeck Post Office in Colerain Township, Frances Johnson was dealing with a late letter to the IRS.
"My IRS papers that I did file," she said, "they are late."
Laurie Brickner, meantime, was almost penalized for a late HOA payment to her condo board.
"I sent my HOA fee in, and they never got it," she said.
Brickner works at a bank, where she now get complaints from customers about missing bank mail.
"It turns out a lot of people are not getting the checks they've ordered," she said. "And also, if they open up a new account and want a debit card, there's a delay in getting that."
Why the delays, and what you can do
The U.S. Postal Service said there are two main reasons for all these delays.
One, more people have been shipping a lot more packages during the pandemic.
And two, there are staffing issues, with thousands of postal workers out on quarantine on any given day.
In a statement, the USPS said it is "experiencing unprecedented volume increases and limited employee availability due to the impacts of COVID-19."
But a report by NPR called "There's no End in Sight" paints a gloomy picture of the Postal Service.
It says recent postal budget cuts have been devastating, with mail piling up in some sorting centers.
A post on the John Matarese Money Facebook page received almost 500 comments about late mail.
One reader said, "It took 17 days for my rent check to get to my landlord." Another said, "I received an insurance bill the 16th of January and it was due the 13th."
Brickner thinks they need to hire more people, quickly.
"It's an overall problem with the post office, and it needs to be addressed," she said.
While your post office works through the backlog, your best bet may be switching to paperless billing, so there's no risk of an electric, cable or credit card bill arriving late, and hitting you with penalties.
Oh, and don't blame your mail carrier; they are working as hard as they can.
As always, don't waste your money.
Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").
Follow John on Instagram @johnmataresemoney
Follow John on Twitter (@JohnMatarese)
For more consumer news and money saving advice, go to www.dontwasteyourmoney.com