The DVC MS is usually pretty good at keeping track of point usage and they are often right when there is a discrepancy. The ONE time there was a problem was when they were using one of my accounts for training purposes and deposited an additional 200 points into the account. I was elated but then quickly saddened when they reclaimed them after a week. I have found discrepancies when wait lists have been fulfilled automatically and the points deducted for my account without my knowledge. I will then ask them to orally go over point activity in the account to discover the point allocation and then, to my surprise, find that a wait lst request has been granted. More importantly, I have found that there have been problems with what I thought I requested from MS as to borrowing or banking based on information obtained from MS on availability of a certain type of vacation home at a particular Resort only to find that my original request was not possible because (1) the reservation sequence was not possible after the points have been reallocated and the points had been either banked, borrowed or transferred between accounts or, (2) When questioned about the status of points in a particular use year, MS did not tell me that the points in that accoiunt had already been banked, borrowed or transferred and, therefore were not availavle for movement. I have tried many times to structure a complicated reservation using a few of my accounts only to find that the last transaction was not possible because the points which I intended to borrow could not be borrowed because they had already been moved forward or backward. This was after a cast member had told me that the transaction was possible. The computers will intervene and disallow a transaction that the cast member had thought possible.