I had a flat tire at midnight once. Tried for about an hour to change it myself before calling a tow truck company that said it was open. Got routed to a call center who said they had to contact one of their freelance trucks, after paying $250 over the phone. A little more back and forth and about 90 minutes later (when they said it'd be 30 minutes), no truck ever appeared. The call center (third rep that night) called and said the one person they had working tonight broke down outside of cell service, can they come out in the morning? I said that won't work, I'll just cancel and get a refund. They said it'd take 3-4 business days to get the refund and there'd be a $50 refund processing charge.

I didn't quite blow up at them, but any time I have to stand up for myself I get shaky and struggle to keep the anger out of my voice. I explained (several times) that there was no way that was acceptable and that I would like to speak to their manager. "I spoke to my manager and there's nothing we can do, that's just the cost of processing a refund." Well I paid for services that I didn't receive, due to no fault of my own. Let me speak to your manager. Another hold. "My manager is willing to pay the refund himself this one time." Yeah ok sure thanks bye.

20 minutes later my tire was changed by a different tow truck company who had a real employee answer before the second ring, had multiple trucks on duty, didn't even ask for payment until after the work was done, and it was about $80. I fully expected to have to issue a chargeback for the first company's charge but fortunately it never showed up on my card statement.