People will bitch and complain about anything. They will find the tiniest thing and complain about it even if it does not really affect the outcome of larger issue at hand. If you receive a letter in the mail and you call the company who sent it to complain, then you should have a valid point before you start to complain. If the company representative says you will not be charged and can disregard the letter then let it go. Do not keep complaining about the fine print of the letter when you are told you can disregard the letter. If you are going to continue to complain you should have some kind of resolution in mind of what you want done in regards to your complaint. When the company representative asks what they can you do for you after listening to you complain for several minutes do NOT just hang up. It is understandable you that there times when everyone wants to complain about something, hell most of this rant is just one long complain, but if you are going to complain do NOT complain to an over-worked, under-paid company representative and then have no idea what you want them to do for you so you just hang up.