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Complete scam and fraud service, Never use smart payment plan, its a Dumb plan
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We took loan through dealer and dealer just said its a payment plan setup and setup our debit details to smart payment plan without notify us any details and the smart payment plan said, they sent us welcome pack explaining the plan, but we got nothing in mail , than the debit dates from smart payment plan. I was never told by the dealer nor the smart payment plan that I will be charged $2 for every debit and also $399 towards lifetime service, when I never needed that service in the first place. They over debited couple of times and they adjusted it themselves toward the $399 fee , without even informing me. I came to know , when I wanted to payoff my loan with the bank, that smart payment plan is paying with 1 month delay after debiting from my bank and also charging me for every debit. I had to call customer service 10 times and argue with them, but they seem useless and helpless. They were always pointing it to the dealer that we agree dto go with smart payment plan and pay them the fee, when I never did that. What a useless service. I WOULD NEVER RECOMMEND ANYONE TO USE THIS SERVICE , AS THIS MAKES NO SENSE and RATHER PAY BILL YOURSELF. With this useless service, one cannot know , how much money is going to which service. This is complete scam and fraud service.
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