I was prepared to take them to small-claims court. I recorded my phone conversation (and warned everyone I spoke to that I was doing so). Eventually it came down to me saying that I&#x27;m canceling my account and I don&#x27;t agree to the ETF fee. The person I spoke to (the manager&#x27;s manager I believe) said he&#x27;s canceling it but I will be issued an ETF.<p>Ultimately the ETF never came and I went month-to-month. By the way, mentioning that you&#x27;re recording the phone conversation changes drastically how a CSR treats you.