You are not imagining it and you are not being difficult. Document it and take the document in.

File early. The window is shorter than people think and it starts at the transaction.

It gets smaller. Not easy, smaller. That distinction kept me going.

Photograph everything before you open it. Ten seconds, settles most disputes. How long have you been on a virtual card?

Bring a list. Embarrassment makes everyone forget things, including you.