When I checked my AT&T bill, I saw they had allowed this company I did not choose to charge me for a monthly long distance plan. When I contacted USBI and then the Cheap2dial company which works under their company, they reported to me that a person had given my telephone number. USBI e-mailed me a copy of the application which was filled out online by a person of another name, address and city here in CA. They closed the account and will arrange with AT&T to remove the charge. It is clear to me that USBI/Cheap2dial does not thoroughly check out the applications...and AT&T does not either!!