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hello kevin, i understand your anger and frustration at TMC's current actions that you describe here. however, i hope it doesn't SURPRISE you that, "they have the audacity to still practice this type of unethical behavior."[/Q] this is a perfect example of their modus operandi, among many other unsavory and fraudulent actions. [Q=kevin631] My anniversary date with the Manhattan Club isn’t until June 1.Over the last three weeks I have received two statements in the mail and three phone calls from financial services. I have not responded to any. Today a new scheme from the Manhattan Club.I received a call/voicemail with a “No Caller ID”.I listened to the voicemail and once again it was the Manhattan Club requesting payment. Not only do I resent that again this year they are contacting me several months before the payment is due but during this health crisis in our country they have the audacity to still practice this type of unethical behavior.[/Q]