This. People learned the phone company would refund any Denied All Knowledge of a long distance call. Call up, get a credit. Then phone company said you cant

This. People learned the phone company would refund any Denied All Knowledge of a long distance call. Call up, get a credit. Then phone company said you cant DAK calls 2 months in a row: so customers called in every other month. Then, they eliminated operator handled calls for small bills. Call in, get an IVR, get a credit. Phone company caught on and limited credits to $7 per month, every other month. Customers started crediting <$7... And on and in...cat and mouse. Then, few realized you only had to pay 91% of the past due balance to not get shut off.. Others finally realized that if your account gets associated with a elected federal official or a PUC complaint you account will never get treated for collections. --- Another simple one: having to press "0" 3 times to get to an agent on some IVRs..