I just opened an account with penny talk. so I could call home to Ireland for cheaper. Sounded like a great hook up. Set up the account for $25.00 and I got a message on the screen saying that my account had $3.00 on it while they check and see if my credit card was ligit. No probs there on my part. My credit cards are good.Then I rang home. Total charge to my account by the end of the call was $1.31 which was fantastic I thought. The next day when I go online to check and see if the $25.00 was on my account I had a -$1.31 saying that my address didn't match what my credit card had on file. At first ?I thought maybe I did enter the wrong digits but then again my call wouldnt have gone through. I'm still waiting for a customer service person to call me but after reading other comments online I guess I can wave good bye to cheap calls to Ireland, and will probably end up canceling my Amex just to be on the safe side...So all in all I'm already not happy with Penny Talk. Now it just seems like its fake!!!