Paid american credit shield one year and a half. Paid 222.00 a month and all they have done is sent out a letter which I don't believe. American credit shield won't send me a letter. They dont do that. Expecting a full refund except to pay for the one letter to my creditor. A criminal injustice has been committed here. Embezzlement to say the least. Samantha Rivera, Carina Perez, Nichol.???? So unprofessional, My Ortiz per Nichol