ID Smarter ID Smarter Scam Internet

I signed up for a 7 day free trial from ID Smarter. I received an email which read "As you review this program, we know that you will agree that ID Smarter provides the best identity theft protection services available.  Your average rate of only $4.95 per week is a full cost, and a value of 257.40.  Your protection continues for a full 12 Months. We will bill you 4 monthly payments of 64.35.  As agreed the first payment has been/will be charged to your card by 03/01/2013. Your remaining 3 payments will be billed automatically to the credit card that you provided when you placed the order.  Payments will be processed to the card each month beginning on 03/01/2013."

They made it seem like you wouldn't see any charges on your card until after the trial ends. But there is a $64.35 pending charge on my bank statement that is affecting my balance. It isn't supposed to be processed until March 1st. But I can only spend what money is available to me because of this, even though it is "pending." 

When I spoke to a representative who called, she tried to talk all fast when I asked her about it and cut me off mid-sentence.  She was very rude.

Don't sign up for this free trial. Most trials don't reflect "pending" charges on your account until the trial is over. They don't even bother to explain how it works until after you see a big hole in your bank account.