For me phone calls are challenging. Anything I can do by chat or e-mail instead of a call I do so. My husband spends a lot of work time on phone calls, whereas I don't, so sometimes if a call needs to be made about a bill or a product order, he asks if I can because he's burnt out by hours on the phone. My Spanish is fluent, but it still stresses me out. I don't know how I did my former job where I had to call people all over the Americas to ask for information. The worst thing is that both my first and last names are unusual, so I spend way too much time spelling it all out and then responding to questions about where I am from.
I did get this very nice woman a few weeks ago when I called about an order that didn't arrive. In that case I was more relaxed and I was able to straighten things out.
I understand completely, but don't have real suggestions. I just have to push through because I know that I need to resolve a problem.
In-person things don't usually bother me as much, except for the endless lines. It's been ages since I have gone in person to deal with the bank, government, etc. due to all the lockdowns.