You do realize that as a co-op, their policy on dividends is restricted by the bylaws, right? It isn't that they are trying to single you out. There are legal things behind what they do. I had almost two years to use my dividend, and I did. It sounds like you waited too long, it doesn't seem fair to blame someone else. I've found they do try hard to do what they can and they are advocates for the members when they can be.