Susan Mcelwain, 51, who lives two miles from the site, knows what she saw - the white plane rocketed directly over her head.
"It came right over me, I reckon just 40 or 50ft above my mini-van," she recalled. "It was so low I ducked instinctively. It was travelling real fast, but hardly made any sound.
"Then it disappeared behind some trees. A few seconds later I heard this great explosion and saw this fireball rise up over the trees, so I figured the jet had crashed. The ground really shook. So I dialled 911 and told them what happened.
"I'd heard nothing about the other attacks and it was only when I got home and saw the TV that I realised it wasn't the white jet, but Flight 93.
Ididn't think much more about it until the authorities started to say there had been no other plane. The plane I saw was heading right to the point where Flight 93 crashed and must have been there at the very moment it came down.
"There's no way I imagined this plane - it was so low it was virtually on top of me. It was white with no markings but it was definitely military, it just had that look.
"It had two rear engines, a big fin on the back like a spoiler on the back of a car and with two upright fins at the side. I haven't found one like it on the internet. It definitely wasn't one of those executive jets. The FBI came and talked to me and said there was no plane around.
"Then they changed their story and tried to say it was a plane taking pictures of the crash 3,000ft up.
"But I saw it and it was there before the crash and it was 40ft above my head. They did not want my story - nobody here did."
Mrs Mcelwain, who looks after special needs children, is further convinced the whole truth has yet to come out because of a phone call she had within hours from the wife of an air force friend of the family.
"She said her husband had called her that morning and said 'I can't talk, but we've just shot a plane down,' " Susan said. "I presumed they meant Flight 93. I have no doubt those brave people on board tried to do something, but I don't believe what happened on the plane brought it down.
"If they shot it down, or something else happened, everyone, especially the victims' families, have a right to know."