reluctancy.

Whenever I have an issue with a company charging me money or I need to inquire something about my account, I’m always reluctant to make a phone call. I would prefer emailing if that’s an option and even so it is not something I’m comfortable with. I really don’t know what it is but I’m thinking it has something to do with fear of confrontation (?)

I feel that it’s such a big task to overcome that sometimes I would just absorb the lost of my hard earned $$ just so I don’t have to deal with it. 

Anyone else exhibit this same behavior or know how to cure this annoying habit?