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Customer Support

WELCOME TO GUARANTEED COMSUMER FUNDING
At GCF, the customer is always #1. If you are unable to find the information that you are looking for below or in our FAQ’s, then click here to contact us directly.

I want to know more about my current status?
Our system is automated, so your status is determined when certain criteria is met. Remember, regarding your EFT payments, it takes 3 to 5 business days to post and clear EFT payments through our system. As an example, if you make a payment on a Monday, that payment will not post and clear our system until Friday and your next status update will not be reflected until the next business day. Then, in this example, that would mean your next status update would be reflected on the following Monday. Here is a list of requirements for each status level.

Enrollment Status = Customer has enrolled into the program, a Membership kit has been mailed to the Customer, and Authorized Payment Plan Activated. Then, the Activation fee must post and clear

Qualifying Status = Customer has made his/her Activation Payment and the Customer has started making his/her Layaway payments to become creditworthy. In addition:

1. Layaway payments must post and clear
   a. 5 consecutive weekly payments or,
   b. 3 consecutive bi weekly payments or,
   c. 3 consecutive semi- monthly payments

If the number of your total paid payments is less then the number of your total payments submitted, then you either have a payment still in process or you have a payment that was unreleased by your financial institution which will result in a delay.

2. The Customer’s Membership kit (layaway terms and conditions) must be signed and returned to GCF along with the signed sales order including a voided check or savings deposit slip. Our System will not update your account without meeting this criteria even if you’ve met your layaway payment criteria

Approved Status = Minimum layaway payments criteria have been satisfied and the Membership Kit has been completed, signed, returned and the Customer’s information verified by GCF. Then, a Revolving Charge Agreement is mailed along with shipping verification form. Once the Customer signs and returns the Revolving Charge Agreement, along with the Shipping Verification Form, the Customer’s order will be fulfilled and GCF will then start monthly credit reporting.

My order seems to be delayed, what could be the problem?
There are only a few situations that could cause a delay in your order process. Remember that you must allow enough time for the U.S. Postal Service to deliver documents and the banking system to process transactions, each step of which can take 3 to 5 business days. Below is a list of the most common reasons an order can be delayed.

1. Not making your payments on time or consecutively. A missed payment will cause an automatic delay.
   
2. Not returning your complete signed Membership Kit (layaway terms and conditions along with your sales order and voided check/savings deposit slip). Some customers return these incomplete which will cause a delay
   
3. Not returning your complete signed Revolving charge agreement along with your shipping verification form. Some customers return these incomplete which will cause a delay
   
4. Changing your banking information during your enrollment without notifying us.
   
5. Changing your contact information during your enrollment without notifying us.

In some rare cases, we may have entered in the wrong banking information during your enrollment process, which means that your account may not be officially activated. In this case you should contact us to verify your account information.

I think my layaway agreement is confusing and contains Language in it that I’m not sure of?
95% of the Language contained in our Layaway agreements do not apply to our customers, as long as they make their payments on time as scheduled and agreed. Since we do not run credit checks on our customers, our company must put language in all of our agreements that covers all of our potential customers including the one’s that may not make their payments on time or at all. We are still obligated as a company to ship you the computer/merchandise but the terms of our shipment is determined by the way you make your payments. We have to protect ourselves from the customers who simply don’t want to pay or do not have the best intentions for the company. Those customers may never receive our financing but are still eligible to receive their computer because their account will remain in layaway. Our company saying is that “We are in the Consumer Funding and Servicing Business”, and we are not in the collections business, nor do we want to be”. As long as you make your consecutive layaway payments, you will receive our financing agreement which allows us to start reporting to all 3 credit bureaus on your behalf every month and you will receive your computer and related merchandise as soon as you sign and return our Revolving Charge Agreement along with your shipping verification form.

How can I Suspend or Cancel my Account?
As part of our quality assurance program, our automated system is designed to perform based upon the information and authorizations you give us. This means that the only way to officially suspend or cancel your account, is to contact our customer care department directly via our Toll Free number 866 747-4119 during customer care business hours. This will allow us to officially document your request, and will also allow us to provide you with a confirmation number and time. Since we are dealing with our automated system that automatically drafts your account, this is the recommended way to implement a suspension or cancellation to ensure our ability to defer or stop your payment plan.

If you choose to suspend or cancel via email. Your request may not be received in a timely manner and may not be recognized and acknowledge at the time of the request. This will result in our customer care department having to call and reconfirm your request again in order to provide you with the confirmation information that we will need to have posted to your account for our quality assurance and you will need for your personal records. This email process could delay our ability to honor your request to defer or stop your payment plan within our system, resulting in an unwanted draft.