Guaranteed Consumer Funding
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Category: Electronics
Contact Information
8200 Greensboro Drive, STE 900, McLean, Virginia, United States
Phone number: 866-7474118
www.gcf4all.com
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Guaranteed Consumer Funding Reviews
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Shell1308
January 13, 2011
Never Received Produce-2 yrs waiting
I heard about Guaranteed Consumer Funding on a local radio station. At the time, I did not have A++ credit, so I decided to order a desktop computer from GCF. This was in April 2008! GCF sent all the paperwork, I completed and returned and they drafted $99 from my bank account and continued to auto draft $68 each month for one full year. Upon payment in full in April 2009, I called and asked when I would receive my computer. They said it would be 6-8 weeks. I waited and called again after not receiving my PC. Again, 6-8 weeks. Finally, in April 2010, I actually spoke with someone and they said since it had been so long, they would upgrade to meet today's standards and it would be delivered in June 2010. Then November 2010, then December 2010. Well, it is now January 2011 and I have paid $900+ for something I have never received. I can not get a call back nor an email response as you can not call anymore. This is absolutely ridiculous! To me, $900 is quite a bit of money and it is just gone. I expect a total refund and some agency needs to step in and settle with all customers. This company and all who work for GCF should be ashamed for taking advantage of those you trusted them. Shame on GCF!!! Hopefully, a class action lawsuit will soon follow.
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wm snyder
January 13, 2011
paid off
paid off the account and can not get hold of them at all.. they havent sent anything or called about the desktop..
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TERRI L. PETERSON
June 24, 2010
ITEMS PAID IN FULL NOT RECEIVED
I CAN NOT UNDERSTAND HOW YOU PEOPLE CAN TAKE YOUR TIME ON GETTING PEOPLE THE ITEMS THAT THEY HAVE PAID THEIR MONEY FOR!!! YOU CONTINUE TO GET MY MONEY FAITHFULLY UNTIL IT WAS PAID IN FULL. NOW, I CAN'T GET A PHONE CALL, A LETTER, NOT EVEN A SMOKE SIGNAL FOR YOU ALL ABOUT MY ITEMS!!! YOU GIVE A DATE TO SHUT A PERSON'S MOUTH, YET YOUR ITEMS ARE NEVER ON TIME OR IF YOU'LL EVER RECEIVE THEM. WELL I WANT EVERY BIT ON MY ITEMS THAT I'VE PAID IN FULL FOR AND I WANT THEM NOW!!! NOT A MONTH FROM NOW, RIGHT NOW!!! THE WAY YOU PEOPLE DO BUSINESS IS MESSED UP AND THAT'S WHY YOU ARE IN THE SITUATION YOU'RE IN. I WANT MY ITEMS AND I WILL NEVER DEAL WITH YOU AGAIN!!! NOW IF YOU DON'T SEND ME MY ITEMS, I WILL BE LOOKING TO SEE WHAT I CAN DO ON A PROFESSIONAL LEVEL TO SEE HOW TO EITHER RECEIVE MY ITEMS OR MY MONEY BACK IN FULL.
THANK YOU, MS. TERRI L. PETERSON
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TERRI L. PETERSON
June 23, 2010
PURCHASED ITEMS
I PURCHASED A COMPUTER, PRINTER, COPIER, SCANNER '' PAID IN FULL'' ON MAY 6, 2010. THEY GAVE ME AN DELIVERY DATE FOR JUNE 14, 2010 WHICH HAS CAME AND GONE!!! I STILL HAVE NOT RECEIVED NOT ONE THING!!! NOW, THEY DID NOT HAVE A PROBLEM GETTING MY MONEY ON TIME, AND I WANT MY ITEMS NOW!!! THEY ALSO PROMISED ME A WII GAME SYSTEM AND AN MP3 PLAYER. AS GIFTS. I WANT ALL THAT WAS PURCHASED AND PROMISED TO ME. I DON'T FEEL I SHOULD HAVE TO WAIT FOR THINGS I'VE PAID FOR!!! CONTACT ME ASAP IF YOU NEED TO.
THANK YOU, MS. TERRI L. PETERSON
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Jim MacLean
May 6, 2010
Horrible Customer Service and dishonesty
UTTERLY HORRIBLE CUSTOMER SERVICE!!!
Rude, you will be treated as though their shortcomings are your fault!! This is not an occasional occurance!! This is everyone who works for them.
In addition they will lie every time they talk to you. I was supposed to get my computer in May, I got it in November!!! I paid off everything in February, and I have yet to receive the Wii software suite or MP3 player.
Allegedly they are going to help you build credit...another lie!!! I paid $1500 for my computer and they reportedabout $500 to Trans-Union only!!!
PleaseDON"T MAKE THE SAME STUPID MISTAKE I MADE!!! Do not do business with this company!!!
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happytolosemoney
January 11, 2010
computer
I would just like to say that if you truly don't have very good credit, like I didn't a few years ago, NEVER sign up for one of these programs!!! First off I've payed 722.00 for something I'm never going to see and also why would you pay 2, 500.00 for a computer that 600.00 at Best Buy? Do yourself a favor put 99.00 in a savings account then add 29.99 to that account a week and in a few month you'll have a computer and a peice of mind. They have the worst customer service I've ever dealt with and they will even hang up on you if you ask for their supervisor or lie and tell you they are the supervisor. After two years I have finally gotten them to agree to atleast give me something for my money since they will not issue refunds, guess what I'm going to get? A 722.00 PSP. I could cry.
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Security Warrior
August 28, 2009
Fraudulent Deceitful Business
*****PROOF****PROOF*****SCAMMED******PROOF*****PLEASE READ*
I know all of you that have done business with these cracks and thieves know what to expect from them, so I will not reiterate and kick the dead horse about how shady they are, (We did not receive your paperwork, we aren't shipping during the Holidays, and my ALL-TIME favorite...drum roll please...DELL IS OUT OF GLASS!!! HA! Anyway, here is a copy of my complete Payment Summary so you can see that I am neither lying or embellishing about any of this. Take a good look at these dates. ---->>>
Down Pmt Date: 07/25/2008
First Pmt Date: 09/05/2008
Pay Frequency: Bi-Weekly
Pay Day of Week: Friday
Status: Credit Improvement
Down Pmt Amt: $99.00
Pmt Amt: $107.92
Payment History
Trans. ID Check Date Bank ABA Paid
4380287 05/14/2009 314088556 PAID
4292258 04/30/2009 314088556 PAID
4224466 04/16/2009 314088556 PAID
4135739 04/02/2009 314088556 PAID
4058125 03/19/2009 314088556 PAID
3969071 03/05/2009 314088556 PAID
2878640 02/19/2009 314088556 PAID
2799450 02/05/2009 314088556 PAID
2720607 01/22/2009 314088556 PAID
2707404 01/19/2009 314088556 PAID
2647013 01/08/2009 314088556 PAID
2575954 12/25/2008 314088556 PAID
2500376 12/11/2008 314088556 PAID
2428818 11/27/2008 314088556 PAID
2351576 11/13/2008 314088556 PAID
2280322 10/30/2008 314088556 PAID
2218682 10/16/2008 314088556 PAID
2148297 10/02/2008 314088556 PAID
2080890 09/18/2008 314088556 PAID
2000175 09/04/2008 314088556 PAID
2000176 09/04/2008 314088556 PAID
1937069 08/21/2008 314088556 PAID
1923117 08/19/2008 314088556 UNPAID
1900864 08/15/2008 314088556 UNPAID
1855137 08/07/2008 314088556 PAID
1782442 07/24/2008 314088556 PAID
Payment Summary
Total Payments: 26 Paid: 24 Unpaid/In Process: 2
As you can see by doing the math, I paid a RAPING total of $2, 595.87 (not including time and labor costs) for an HP dv6-1030us laptop that retails for around $550.00. I don't think I need to remind you all that I did NOT get the bonus "gifts" either; which should have been an MP3 player & Nintendo Wii. *Sigh* Well folks, I guess serving 4 years in the Army with 2 Tours to Iraq I am glad I can count on "American Businesses" to R-I-P ME OFF!!! My hands are shaking with fury and rage right now that I can barely type. I better end this before I say something I will regret!
-=Victor=-
San Antonio, Texas
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Kevin
April 24, 2009
Mickey Mouse all the way.
I signed up with this company in June, and have paid them $1933.00. First they didn't even get my routing number right after assuring me they knew it. Three months in I upgraded. I was told I would get delivery confirmation in Dec, but when I called I was told I need to pay the difference of my upgrades. (thanks for the heads up huh?) In Jan I was given a shipping date of march 15th.
Oh, by the way, they base your shipping date on your paymnent history and yearly income. March 15th... no cpu "We're having shipping problems with Dell." They offered me a Hp with some better upgrades. GREAT! ok your shipping date has been moved back two weeks. 31/2 weeks later no cpu... I call... gee we are have shipping problems with HP too. My third shipping date Aug 27th, and I have recieved nothing but paper and promises. I was also told that the cpu would be ordered at the time I'm given my shipping date. Anybody with any common sense knows even when dealing with bulk orders (as gcf does) that an order in Jan should be ready in the coarse of roughly two months. I honestly believe that no order had ever been placed. If it was then what kind of a mickey mouse biz are they?
Eleven months into the program and nothing on my credit report. They haven't even improved my credit score!!! Every time I call (about twice a week) they change the story a little on me. It's like they're just telling me what I want to hear to satisfy me at the moment.
After calling them and asking them to take several, in progress, items off of my payment listing they say that the system is automated and they can't take it off. Oh but it doesn't affect your credit that's normal. Then I explaind to them that I had a lender looking at my online report and was offering me a loan if they would take those off. "No" was my anwser. This company has a very nasty habit of leading people on instead of being honest and saying this is not a quick program and you wont get anything out of it anytime soon. I plan on completing this program because I was more interested in the good credit then the merchandise. (all in all I will be paying over $2500 for a cpu that retails for about $1000 in my neck of the woods).
A rent to own store is cheaper and less hassle. DO NOT START THIS PROGRAM IF YOU HAVEN'T ALREADY. If you have then stick with it and don't let them win your hard earned money!
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Sharon
April 19, 2009
Fraud and scam
I answered an ad for a computer and a chance to better my credit. Started to pay on this computer the end of July of 2008. I have paid over one thousand dollars into this computer and just received a computer after all these months. With many promised delivery dates each month, they finally after many phone calls from me got a inferior computer for the money I have put into this the first week of April of 2009. Jan no computer, Feb no computer, March no computer. Finally we spoke to the so called manager's manager and then was sent a computer. Was promised for the inconvenience of the delay of my merchandise caused by their screw up's a computer with 500 gb of hard drive, 3gb of ram, a core 2 duo processor as well as a DVD burner. When that one never came they called me and said that they were now going to upgrade me to a lap top with all the things I was promised on the desk top. Of course that I don't have in writing. the lap top that finally came only has 120 gb hard drive, 2048 mb ram, and they got it from tiger direct. When you look up this model on tiger direct it is worth about 500.00 not the thousand that I have paid them. Ordered a video camera also that never came.
After this lap top came and didn't have what they promised me I was told that only the desk top would have all that not the lap top and if I wanted the desk top I could trade in the lap top for the desk top. Was in my car at the time of the call so she told me to take a couple days to try out the lap top and then she would call me for my decision. Of course she didn't call that day till after they closed and I e-mailed them my decision for wanting the desk top. Then she backed stepped and said to trade them I would have to pay a restocking fee of about 175.00 and would only get the ORIGIONAL 80 gb computer that I was getting before all the promised upgrades. that's when I said that I would decide later and get back to them. I then went to my bank and stopped all payments to them and want to report them to everyone that I can find on what rip-offs they are and hope to stop anyone else from getting into this mess that I am trying hard to get out of. A very expensive lesson to learn and I am very sure it isn't over and won't be for a long time.
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Karen
April 18, 2009
Rip-offs
I also got taken in by this company promising a computer if you make your bi-weekly payments. After 8 months of faithful payments and many phone calls and many promised delivery dates I finally got a so called upgraded lap top that is worth about 500.00 and I have paid into them for over a thousand dollars. And I still am supposed to make payments for the next 4 months. No way, I stopped payments with my bank today and I am sure I will be a in disput with them for a long time. But they aren't getting any more of my money. I made a comment once about checking with the BBB and they claimed I threatened them. If they were a realible company they would welcome you checking them out. I am stuck with a inferior computer for the money I paid out for and they still haen't reported my faithful payments to the credit bureau like they say they will in the start of your transaction. I hope to help anyone out there from making the same mistake I made.
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