Sunshine,
First off, I want to apologize for the initial response to your report, I have no way of verifying that it was post by an employee at TaxACT, but I would hope that it wasn't.
Second, I can personally guarantee that the TaxACT Free Federal edition is in fact completely free. Anyone, regardless of age or income, can prepare, print and e-file their federal return with the TaxACT Free Federal edition at no cost.
Third, if you were charged $9.95 it indicates that at some point during the preparation of your return you upgraded to the Deluxe version of our product (which is $9.95). There are many points in the return where this could have happened (import of information from a tax return prepared with TaxACT last year, the life events section of the preparation, etc...).
Lastly, the $15.95 charge to have the preparation fees deducted from your refund is not charged by TaxACT, it is charge by Republic Bank, a third party that we (and many other tax preparation companies) contract with to provide this service.
If you have any further questions please let me know.
Greg Hollingsworth
TaxACT
gregh@taxact.com