I Understand Complete Sentences

I was on hold.  I called a credit card company.
"Hi, this is Pamela," I said.  

An automated operator who understands complete sentences proceeded to ask for pertinents.  WHY?

SHE NEW EVERYTHING, why?  She knew phone number, account number, account paid and closed, hubby died, and "You have a credit of $1.16."

So I asked for "re-pre-sent-a-tive" and said,
"This is my husband's account, he passed away, you have a death certificate, I've paid it off, your employee shredded the card, what am I supposed to do with a bill that says "You have a credit of $1.16?"

"Let me turn your over to the estate account manager, "Give me 2 minutes, please".  
Estate account manager asked for hubby's pertinents, and then says, "How can I help you?"

"This is my husband's account, he passed away, you have a death certificate, I've paid it off, your employee shredded the card, what am I supposed to do with a bill that says "You have a credit of $1.16?"

"Give me 2 minutes, please." 
Upon return he asks for MY pertinents.
"Please verify your ss# and address, please.  We owe you $1.16."

(Just between you and me I just wanted the paperwork to quit coming in the mail!)

"What do I do now?" I asked.  He said, "Give me 2 minutes, please."

Then he said, "Please allow 30 to 60 days as we will be sending you a refund in the mail for $1.16."

Who is more stupid -- us for putting up with this nonsense or them for carrying on with this nonsense????
How much money did they lose for 2 operators to talk to me and that doesn't include the robot operator that can't "understand complete sentences"?

How much money will they spend on mail to me.... .68 x 2 = 1.36.
In postage alone, they lose $1.36.  
I lost time and temperament  But, hey, I can look forward to another 3 page bill telling me all the ends and outs of the fees, and all the rules, and the interest rates, and an explanation that reads, 

"Attached you will find a refund for 1.16!"

I can't even pick the fleas off my cat for a dollar sixteen!!!!