I paid my bill! I did! I swear! The bank says I did. You have the money from me. Sending me to collections because you forgot to enter into the computer that I paid? Not cool! I wanted to spend today curled in bed reading Chinese books. I did not want to play phone tag with a collections agency and my bank, trying to prove that my bill is, in fact, paid!
Gah. And when I call the collections agency to talk to a human? Oh, no, they can't be bothered to actually answer the phone. I have to call them, leave my phone number, and hang around waiting for them to call back! Except I can't, as my little sister is waiting for me to pick her up.