It has been mentioned many, many times in the negative reviews...why a payment before any kind of account set up? Seems to me that " Scribd " if legit, should have fixed this concern or issue by now. You pay but have no log in credentials to cancel your "free trail" Sounds fishy to me, I don't need another headache! FYI, after posting my review, Scribd’s reply is self explanatory to my point…I’m not the only one making this point… BUYER BEWARE