For the first time in many months, I actually looked at my Verizon bill - yikes, $9.95 a month. Called them - they actually answered - said I took an IQ quiz during a Facebook session and signed up for the $9.95 service. I asked them for a credit "oh no, Verizon will not allow us access to your account with them" - are you kidding me? Why would Verizon not allow a credit yet allow a debit? This is a scam. I asked to talk to someone that could authorize a credit - went on hold for over two hours (their 800 number) - finally got a dial tone.