Your logic of I paid 10 short of 100 every month so 10 x 12 = 120 is fine and dandy but that doesn't change the fact that this a huge corporation. Offering someone $120 to make up for it is something you should offer when doing business out of the back of a van in an alley somewhere, not when dealing with a multibillion dollar corporation. Corporations have rules/policies/contracts to adhere to.