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The good, the bad, and the ugly - discover what customers are saying about American General Finance

Welcome to our customer reviews and complaints page for American General Finance. We understand that making informed decisions about where to invest your time and money can be challenging, which is why we've created this platform for our community to share their honest feedback about their experiences with American General Finance.

On this page, you'll find a comprehensive collection of reviews and complaints from real customers who have used American General Finance's products or services. Our reviews are authentic and unbiased, providing you with a complete picture of the company, its products or services, and their customer service.

Whether you're considering doing business with American General Finance, or you've already had an experience with them, our community's reviews and complaints will give you a valuable perspective on what to expect. Our goal is to help you make informed decisions about where to invest your time and money, and we hope that our platform will be a valuable resource for you.

Please feel free to browse our reviews and complaints and share your own experience with American General Finance. Your feedback is an important part of our community and will help others make informed decisions.

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11:56 am EST

American General Finance charges 26% interest on a $6000 loan

This company took advantage of my near 80-year old parents by making a loan to them at 26% interest on a $6000.00 loan. When I approached them to reduce the interest rate which is currently less than 5%, I was told that whether or not my parents understood the implications of the finance rate, they had signed the loan and that was that.

Other people out there, stay away from these predatory lenders (American General Finance in Gaffney, SC). My parents have excellent credit and should have been able to use the lowest possible interest rate. This loan has been being paid for years and they still have a balance of over $5, 000! Beware. Avoid these bloodsuckers like the plague they are.

If you must get a mortgage loan or credit repair, go to www.NACA.org for help. They will provide interest rates from 0% to 5% with no money down and guaranteed foreclosure protection. Do not ever use American General Finance as their financing will never be paid off no matter what you do.

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12:42 am EST

American General Finance Inconsiderate and rude

We have had a loan with AG for over 5 years now. It was a small loan that has been re-written multiple times which in turn has not really helped us pay off our debt. I am writing to let you know about one of your employees in the West Valley Branch. Carrie. She took over our account a couple years ago. We have gone through a rough time recently with a newborn in the hospital which in turn made us default on our load. We have a court date set up to settle our debt with AG however we will be paying off our debt before the actual court date. I am very dissatisfied in the treatment we have received while being in a hard time. Most American's are going through a hard time right now which is why I am writing this to you.

We have been continually hassled with phone calls and voice mails at least 3 times a week since we have been served papers. I don't know if this is policy, but it is annoying and I don't really know what else you would like us to do when obviously we can't do anything about our debt.

My husband received a phone call on 1/11/11. He answered the phone and it was Carrie. She was very rude to my husband. As he explained he would be paying off the debt in a couple of weeks before the court date, and he asked if he could be offered a settlement. Carrie told him no, and why would she offer us anything at this point (maybe to put money in your pocket?). She then continued to insult my husband and then she hung up on him.

Does American General treat all of their customers this way. In this day and age you will get further with common courtesy then being overbearing, harrassing, and plain rude to your customers. I thought I would let you know about this situation to avoid it happening to other customers. We have been dealing with this kind of behavior from most of the employees from the same office for almost a year and I find it unacceptable.

I am so excited to finally be able to pay our debt. I won't have to hear from the inconsiderate employess at American Genral anymore!

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Greenlady
, US
Mar 15, 2011 4:57 am EDT

AGF has the rudest employees in the country. They're corporate crooks... don't borrow from them. They will lie to you and harass you even if you never had a late payment. They suck!

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7:04 am EDT

American General Finance Don't use agf

I have too many reasons to mention. To sum it up, this company is deceitful and its representatives are extremly rude. I will be contacting the BBB next. They do not take blame when they make an error. They want their payment and will get it at any cost, even if the payment amount is wrong. You will be charged interest and you will be charged silly misc fees. I have had car loans in the past with credit unions and local banks and have never been treated the way this company treats their customers. I was so happy to find this sight and be able to vent after a year and a half of being treated poorly. I hope this saves others from using this company. I would not want another innocent person to be treated the way I have.

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7:42 pm EDT
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American General Finance Mortgage /Refinance

I am exposing this to you all because I have a mortgage with American General Finance on my property in South Philadelphia where there is current a Tenant residing. On October 6, 2010 (yesterday), a representative on behalf of Fox and Fox Law served my tenant with a copy of paper work from the Court of Common Please of Philadelphia County (Trial Division) regarding my property being under mortgage foreclosure. The tenant was instructed by the representative to NOT provide me (the Landlord/Owner of the property) with a copy of this paper work because the papers was for her records and they also told her that they already gave me a copy of these papers (which is was not true). Scared and panicking, my tenant called me because she had never experienced anything like this before. I had no idea of what she was talking about so she gave me the papers that was presented to her. However, I filed Bankruptcy with my attorney so I immediately faxed the papers over to his office late last night. I received a telephone call from my attorney's paralegal this afternoon informing me that my house is not in foreclosure because of the bankruptcy, and then he informed me that we would meet early next week to go over those facts. He also said, that he would speak with my tenant on my behalf because basically the bankruptcy is going to allow a reorganization of my debt including the property...I was okay with that.

15 minutes after speaking with my attorney's paralegal, I received a frantic phone call from my tenant telling me that there was someone there that presented her with additional paper work and he was telling her he was there to put a security lock on the property so that she and I could not have access to it because the property is in foreclosure. I asked to speak with the person while he was there, and when the man got on the phone he said he never told my tenant that my property was in foreclosure but that it is in preforeclosure. I said to him, are you there on representing my mortgage company, he said, he was just a contractor instructed to pad lock the company because the property was in preforeclosure. I said what company are you contracted through, he said, JCR. I said, well I need to give you my attorney's information because my house is not in foreclosure therefore you have no right to pad lock my property, he said, he didn't need my attorney's information so I asked him for his instead, he didn't have a business card to give to my tenant either but he gave his information to me (or so I thought it was his honest information until I researched it and found that he gave me bogus information because he knew he was doing something COMPLETELY ILLEGAL on behalf of the bank and he was trained not to get the bank in trouble) and said he hopes it all works out for me but that he only pad lock homes that are vacant and he wasn't going to pad lock my property tonight because my tenant is in there.

They have violated many of my consumer privacy rights, such as discussing my personal information with my tenant, giving my tenant a copy of my financial information which included information about all of the monies that was exchanged during the sale and purchase of my property, all of my loan information, my personal home address and other addresses that I have occupied in the past. In addition, they had no right to pad lock my property if it is not in foreclosure. Further, if it was in foreclosure the law requires that in order to pad lock my home, they must have a written rit of possession, as well as a sheriff or police escort in which they did not. Now, I am totally distraught because after doing further research over the Internet, for harassment law suits against American General Finance (also known as American General Consumer Discount Company) I found that there are many consumers that had an experience with this company coming to their homes personally an*d harassing them as well. This company must be stopped. After speaking with my attorney, we decided that we will pursue this harassment matter in court. Moreover, American General Consumer Discount Company is a big rip off, my interest rate is 12.89%. I initially did a refinance with this company so that I would have a fixed rate on the house back in February 2008. The original loan amount was for $64, 635.21 but at the time of maturity I would have paid out $255, 387.60 and I tried to do a loan modification with the company but they told me that because they were a private lender they do not offer that option because they are not legally required to. I purchased this house in 2006 with a 2/28 so I had to refinance it in 2008 to put a fixed 30 year on it. For the first 2 years of ownership I made my mortgage payments my self because I was rehabbing the home, but in 2008, I decided to move and rent it out. I explained this to my loan agent (Allison, who ironically is no longer with the company) at American General but she told me it would be best to do a owner occupied and say it was my primary residence because it would be easier for her to get me the loan that way and because it is still considered my primary residence given that it was the only mortgage I had and have ever had on my credit report so I signed the loan papers based on her advise...not knowing that her advise was not correct. With that being said, I didn't always have reliable tenants so the mortgage did fall behind at times, but on occassion, whenever I had extra funds, I would try and catch the mortgage up out of my own pocket and look for better tenants...in the mean time, I tried the loan modification thing with American General because I wanted to make sure that I could afford to pay the mortgage if my tenants didn't pay again in the future (but at a 12.89% interest rate I knew I couldn't afford that and I was trying to make the payments smaller just to be on the safe side) but American General said NO WE DON'T DO THOSE and WE DON'T HAVE TO BECAUSE WE ARE PRIVATE...in fact, I went through what is known as consumer credit counseling who was offering to complete this process on my behalf with American General and American General told them no.

I have been publicly violated, humiliated, embarrassed and harassed at the hands of American General Consumer Discount Company and their associates...PLEASE HELP ME EXPOSE THESE HARASSING, INTIMIDATING, LAW BREAKING, PREDATORS because no consumer deserves this treatment.

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7:16 am EDT

American General Finance Poor business

we have 2 loans with ag big mistake;talked with ag about what was going on health wise and no we werent behind they just didnt get it the date on the coupon we have never been behind they always got the payments that month its due, today 9/7/2010 i talked with ag and explained that my husband check was short due to me in the hospitial so i couldnt do both payments on 9/10 but would make both payments on 9/17 they asked for post dated check and i explained my lawyer says that is illegal and dont do that! they then kept pursuing the issue and said he would call back if any problems oh did he call back they said that they were taking our credit line away from our mortgage and then *** hit the fan, i let them have it

and explained that they knew the health issue and they even said i can see your good paying people but we need a postatedated check or credit revoked, after 30 min i hung up and call the district manger waiting for a return call think before you use them i wish i did

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12:03 pm EDT
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American General Finance American General - Predatory Lender

I had a loan from American General for $5, 000.00 with my vehicle as collateral. I made my payments every month for almost 2 years, but fell behind on few payments due to illness and loss of income. I was originally $800 past due, but by making monthly payments above the minimum I reduced the past due amount to $300.00. I also expressed to Nancy that I intend to continue to make payments and catch up on the past due amount. Well I end up in and out the hospital for 2 weeks, and I come home one morning to find my car repossessed. I called American General, who basically told me since I didnt return any of their phone calls they repossessed my vehicle. They refused to work with me. I offered to pay the past due amount, next months payment, and the repossession fees, but they were downright rude and refused to work with me. I have to pay off the entire balance of my loan over $8, 000( due to the ridiculously high interest rate) within 7 days to get my vehicle back or it will be sold at auction and American general will keep any profit made off the sale of my vehicle. They took my $16, 000 car to settle a $8, 000 debt when I was only one month behind and currently making regular payments to catch up. I encourage anyone considering a loan through American General to find another lender. They wont work with you, they are out to rip people off. They will also harass you with daily mutiple phone calls to your home and place of employment, they also come to your door demanding payment.

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debbie
Salinas, US
Apr 30, 2009 3:21 pm EDT

I have been a victim of endless telephone calls with content that violate my rights under the fdcpa. I would love to be a part of any class action law suit filed against these unrelenting, unprofessional collectors.
my email angelfacebeach2@hotmail.com

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a stone
marion, US
Oct 13, 2012 9:14 am EDT
Verified customer This comment was posted by a verified customer. Learn more

i was totally ripped off i bought a house eight years ago from american general. my house is not half the price of what i paid for it then. they had some lady come in and jack my apraisel up three times what the house was worth. so i would get the loan with high rate i had never bought a house before so i didnt know at that time but boy i tell you i got ripped bad been paying for my house since and i learned my lesson never do that again they take advantage of low income peaple that have a dream to buy a house i was single with a child making minimum wage and they got me and still getting me to this day

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paradiseco
Westminster, US
Feb 09, 2011 5:06 pm EST

I bought windows for my home (Colorado) and fell behind 2 payments. They wanted to take me to court and told me that I would have a judgment against my home unless I come current with approx $400. I did, and I just found out that I have a judgment against me as of Oct 31, 2010. I have been current ever since, and at the time of the court date, which was supposed to be canceled, I was current in my loan. Now I have to go thru the process of getting this judgment taken off! Can I take them to small claims court or should we all get a class action suit together? I prefer the class action, there are power in numbers!

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sammy123
Milwaukee, US
Jul 20, 2010 8:57 pm EDT

I do work in the industry and like the above person stated, by law, a company cannot keep the proceeds from a repo sale.

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Concerned American from Indiana
Evansville, US
May 12, 2010 9:57 pm EDT

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Responding to the above comment...

It is illegal to keep the proceeds of a repo sale over the balance of the loan. Just thought I would fill you in. FYI: return calls, or have someone return them for you and you will not have your vehicle repo'd. I do know from experience that you are able to get your car back by paying UTD and the repo fees. YOu are not necessarily required to pay the entire balance off unless you are a repeat offender and it is apparent to the company that you will continue to be a collection problem. If this is the case, American General will repo the vehicle, take it to auction, get as much out of it as they can, and give you the difference (by law in the US, they HAVE TO!).

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animalmonkey12
Pensacola, US
Nov 16, 2009 7:26 pm EST

Pay your bills and you won't get collection call. All creditors make calls. If you pay what you owe and on time, you will be left alone.

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boneyard
, US
Jul 23, 2009 9:23 pm EDT

Paul you are full of crap

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Paul Giaimo
, US
Jun 03, 2009 11:02 pm EDT

THEY ARE DEBT COLLECTORS FROM THE SECOND THEY ASK FOR THEIR MONEY BACK ! the fdcpa NOTHING in the act EXCLUDES a bank, finance company or credit card company LATER COURT CASES HAVE TREATED CREDITORS EXACTLY LIKE COLLECTORS in making them ABIDE BY The FFDCA

So cut the ### / AIG and AGF are LIABLE

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readthepaperwork
Dalls, US
May 28, 2009 2:01 pm EDT

If American General is the original creditor, then FDCPA does not apply...per FDCPA:

The term “debt collector” means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 808(6), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include—
(A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;

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12:08 pm EDT
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American General Finance Bad treatment

American General Finance in Hillsboro, OR, has been very helpful in the past. However, the personnel at the branch became extremely defensive when my wife called and stated that our payments were to be on the 20th as the loan officer had agreed to as that has always been the due date on our loan.

Buck, the branch manager, put my wife, Susan, on the speaker phone so that

everybody in the office could hear the conversation. He stated that all of his accounts are due on the 15th. The loan officer also said we could get a loan elsewhere.

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6:10 pm EDT
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American General Finance Fraud

We went into AGF's office initially for a refinance. We were assured after we provided documents (2 week old appraisal, two years worth of tax returns, year-to-date earning statements for current year) and they pulled credit, that my husband MORE THAN QUALIFIED to refinance our existing mortgage. I was staying out of it because I am a displaced real estate broker with no job and no promising prospects for one. During the conversation about the mortgage refi, I let it slip that I wanted to get the truck sold that day so that we could keep current our existing mortgage. Pouncing on this info like a spider monkey jacked up on Jolt cola, the loan originator said, "why sell the truck, your husband said he wanted it for his business, we'll write an auto loan for it now and then the auto loan can be absorbed by your refinance because you have over $150k equity in your property. Once the home loan closes, we'll give you the title to the truck back; we won't even take it out of your name but we do need you to sign a bill of sale if you decide to do this.) Skeptical and being the voice of reason I asked my husband if he thought this was a good idea. He shrugged and then this very rude man said "Don't listen to her, she's not going to be listed on either loan." Excuse me, the title to the truck is in MY NAME! My husband then told this rude man that should the home loan not go through, we would not be in a position to make monthly payments on it as well as try and get a mortgage loan elsewhere. Again we were told "you're MORE THAN QUALIFIED again and IT WILL BE NO PROBLEM TO GET THE MORTGAGE LOAN CLOSED WITHIN THREE WEEKS; You WON'T OWE a truck payment." We discussed it in private and my husband agreed to do it based on the promise of NO PROBLEM to get the mortgage loan. Guess what, big problem. A week went by and my husband called to see when he could expect to go in and sign documents. He was asked, "what home loan, you don't have an application for a home loan with us, you only have an auto loan with us." when asked why did they want a current appraisal for our property the answered with "what appraisal, we don't have an appraisal in your name and by the way, your first payment is due in two weeks." To make a long story short, we didn't make the first payment on the loan, instead we filed a complaint with the local Justice Department alledging fraud, and set about trying to find a more affordable monthly house loan. Well, AGF filed a big black mark on our credit bureaus and we were unable to get financing even after we explained that we were duped into the truck loan in the first place. Subsequently, to make a long story short, we were foreclosed upon, now AGF has hired an attorney and is suing us for possession of the truck for non payment. We fired back an answer Pro Se of course because we can't afford an attorney and now are in litigation. We were scheduled for trial in October. But AGF decided court order be damned they repossessed the truck. Well we got it back ( the same day) after a blazing conversation with their lawyer and the trial judge but they damaged the transmission now so that we don't even dare drive it for fear it will be damaged further. Now their lawyer is trying to forego the trial (he's afraid, I think with all these deceptive lending practice going on) and is trying to deny us our ability to tell our side of the story. I'll let you know what happens in the future; I'm trying to draft an opposition brief in response to their motion for summary judgment but I'm not an attorney but I used to want to be one; does that count?!?

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jrh=1
BRENTWOOD, US
Feb 21, 2010 4:39 pm EST

I feel your pain. No matter how difficult the task, don't give up. There are gov. agencies watching these guys. Unfortunately for consumers like you and I, the gov. investagory agencies are overloaded and unable don't move on them right away because pre-mature action may tip off the other vermin and allow them to go underground before there is enough evidence to bag them. The gov. for the most part go after the big fish. They direct the small cases to local consumer affairs agencies. In most states, there under funded.
Times are really hard when you see attorneys who worked hard to pass the bar and build there business, risk it all by ripping of consumers, investors and big business around the country.

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7:32 am EST
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American General Finance Predatory Lending, Loan Fraud

American General Financial's shady, and predatory lending practices have started the landslide to its demise. In the 3rd quarter alone, American General Finance has a net net loss of $536 million, with an estimated year end loss of over $1 billion. These losses arenot a result of AIG(AGF parent company) current financial situation, but of American General Finance's upper echleon(management's �¢ï¿½�¦greed and corruption). As a former employee of American General Finance, we all saw it coming. Our company's former success was based on predatory and discrimantory lending practices. American General targeted inner, city blacks, hispanics, and lower-income, working class families, who had no idea how they were being ripped off. Most of the mortgages, American General Finance orginated could of been approved convential or FHA at an average rate of 6.%. American General on average charged these uneducated, consumers a rate of 15% on a first mortgage. These mortgages that were orginated, were also loaded with thousand of dollars in points and trash fees, to generate insane amounts of profits. In addition, American General particpated in insurance twisting on its consumer and mortgage loans. Instead of offering, customers standard term life policies through American General( $15/$50, 000. 15year policy. American General embedded life insurance policies, with terms of 12 months to 5 years with a face value of less than $5000.00, that were embedded in their loans. Most AGF consumers didnot realize that they were also being charged 23%apr on their insurance premiums, that were hidden in their loans. What a relief that the end is near. I couldnot sleep, a many of nites knowing that, I was involved in such criminal and unethical lending practices. May God forgive me!

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Ron E Davis
, US
Apr 13, 2019 6:10 pm EDT

I am being ripped off by them right this moment as they are trying to take the house I grew up in for 67 years. Please contact Ron at [protected]..r.davis@lycos.com if there is any help out there. I NEED HELP NOW.

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Tammy Vent
Kaufman, US
Feb 25, 2011 12:17 pm EST

I am looking to get into a law suit against AGF and/or AGI Please? I also am a disabled victim. I have received money due to damage to my heart. I have been off work since 97 disabled from neck to my toes. I was in a wheelchair, walker, & cane My husband and I had my DREAM home built and paid CASH $300, 000 we got blue prints and we designed it the way I wanted it. We have 3 children and one went to J. College, another went straight to ATM University, and the 3rd modeling class, massage school. Plus we had to have a vehicle that I could ride in, ect, ect, ect. Well we had many loans thru AGF with no problem except afew rude phone calls. So, we had to take a loan out against the house. My husband makes good money as a truck driver. Our file was transferred when we moved into the house, without anyone calling to let us know . The manager at the time was very nice but soon after we closed on the financing the house AGF got a new manager. I went in one day to make half of a payment. Well the new manager from the very back of the office started yelling at me about my payments and such. I got mad and told him to come to the front then proceeded to tell him don't ever yell from the back of the office about my account, if he wanted to talk for him to get his [censor] up and come to the front or at least call me to his desk. Anyway we were a month and half behind and they were calling several times a DAY! Being very rude and leaving nasty messages. I got online to see about getting help. . My husbands job had slowed down and he was doing everything he could to get everything paid. But that wasn't good enough for them (AGF ) they called saying they were foreclosing our house. We hired one law office to get our house payments lowered but it seemed that they were not doing anything so we hired another so called lawyer to help. In the meantime AGF was still calling harassing us and saying they were foreclosing. While the so called lawyers were working AGF was driving to the courthouse and filing foreclosure papers and not telling us until we get a letter saying we had to be out by Dec. 2 Auction at 10 am. They wouldn't help us at all ! Didn't even care they were throwing out a disabled person from her home. When we received the papers about the auction we called them and this one guy just kept saying that house is mine and admitted that they were not returning the lawyers phone calls on purpose that it was a game for them and laugh in my ear about it. Then the house sat empty for a year, there was a realtor sign in the yard so I looked up to see what they were trying to sell it for and it was selling it for $295, 000 and we only owed $265, 000 on it. So I don't know how to find out what it sold for. For credit purpose, so they can't come back and say we owe $$$. We did everything in our power to keep it, garage sells, sold husbands motorcycle that was given to him, his Camaro. That's another thing he put it online for sale and them pushing us he took the reserve off and it sold for $6, 500. That was his birthday present when I got my money. It was midnight blue 2000 t top, it was precious. The very next day we got the papers about the foreclosure and auction.Like I said we sold and did what we had to and AGF was playing a GAME! The 2 lawyers said they could help because of the bail out! But they were almost as bad as AGF and AIG. So if we can get into the lawsuit please email me or call me [protected] or if anyone knows where I need to go to get into a lawsuit I would very much appreciate the help. That was my DREAM HOME and that just took it with no care in the world.

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paradiseco
Westminster, US
Feb 09, 2011 4:55 pm EST

I bought windows and they were financed by AG. I fell behind for 2 months and they served me with court papers to put a judgement against me. Well I didnt want this to happen, so they told me to pay what my 2 mos owed, which was approx $400. and they wanted it in cash. I paid it, got a receipt, and I have been on time ever since. Well I just found out that I have a 'Judgement' against me since 10/31/2010. How can this be since as of the court date and ever since, I have been on time and have no back payments owed? I am wondering if I can take them to small claims court or should this be part of a class action?

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rb in illinois
, US
Aug 02, 2010 3:26 pm EDT

Calm down people. We are all in some sort of financial Sh**thole. Just research, and contact an attorney. This blog is a network of people who may or may not have had the same sort of problems. Why fight? It doesn't make any sence. Just have some cheese and wine, and at the end of the day, get over it, because corporations will always win.

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Idiots who don't pay their bills
, US
Jul 27, 2010 10:07 pm EDT

Paul --your an idiot ...You can call as many times as you want and leave a message once. Get it right. Second the former employee who started this complaint must have been fired for stealing or poor performance and is mad at the company. This is the best company I have worked for and ever will. We do not rip people off. Consumers make a request and we do what we can to meet the request. Next, AGF did not get a penny from AIG bail out b/c they are extremely profitable even w/ possible large losses the past few years. They do not REQUIRE credit insurance, there are millions of signs in office stating such. Also, you CAN NOT say that your vehicle is for work, etc and it can't be repo'd. That is ridiculous. If you don't pay your bill, any company will take THEIR collateral (Mtg/Auto).

As I read further, Paul is a [censor]. Also, no one in the company changes terms of loans w/o refinance and consent. That is ridiculous. Also any company who has a lien and owns the property on a MTG can deny anything. Short Sales are only ways around foreclosure process and are NOT guaranteed. Again, ignorant.

Ok, also if your waiting for our immature child, idiot president to bail you out of your past due bills or behind mortgage payment, why not look in the mirror and blame yourself (Again all bankers process the request, they didn't come up w/ it) and the liberals who caused this problem. I do know and no argument w/ change the facts.

The other thing is...everyone on here complaining is Past Due or was in the past. Take responsibility for yourself. AGF will be around through all of Obama's plans to demise the country, they are that strong. Banks won't lend out money, so be glad someone is.

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Concerned American from Indiana
Evansville, US
May 12, 2010 9:47 pm EDT

Is it me or are the majority of these complaints by people who are Delinquent on their loans? It doesn't seem that there are many complaints from people who pay on time each month? Either way, if there are complaints regarding specific individuals within a branch, wouldn't it be wise to contact the headquarters of American General? I'm sure they would love to know who was breaking a law (if, in fact, they are/were). Believe me, no company, especially in today's volatile market, wants to have an employee or group of employees that are subjecting the company to expensive legal actions. The company can't do everything on its own. The individual consumer needs to take it upon themselves to file complaints over the "heads" of those that are mis-treating. It seems this would be more beneficial than to make a complaint and a "cry for help" on a somewhat nameless website. Just my thoughts...

I agree with a comment above. Nobody held a gun to peoples heads while signing the paperwork. You were given the paperwork, you signed the paperwork with an understanding of the loan. If you did not, or did not feel comfortable signing, then the process should have been stopped. As a company, American General represents the loan documents according to the guidelines outline in TILA (Truth in Lending Act) which require loans to be printed and explained in a uniform manner. If an individual within the company does not present these documents accordingly, or they seem to be confusing, then YOU, the consumer, must take it upon yourself to demand more information before you sign and accept the check.

The "woe is me" routine is old. Take responsibility for you actions, whatever they may be, and adhere to your obligations. I do know this, American General and like companies will work with the consumer to set a pmt agreement outside of the original loan terms if, and ONLY IF, the consumer comes to the lender and requests help. These lenders want the same thing you do...to be repaid per the agreement. Would you not be upset if you were lending money out and these individuals did not repay you?

Finally, remember that these "bad people" are just like you and I. It's a job, it's their job. They may not enjoy it, but it is putting food on the table and a roof over their heads, their family's heads. Civil, responsible people generally tend to get a reaction that is suitable. May not be perfect, but there needs to be a compromise. Does any of this seem completely wrong?

Recap:
-Someone representing a company inappropriately should be reported to the company. Let them police their own. Trust me, they will!
-Be responsible, repay your obligations.
-Be up front with your lender, you may find a satisfactory outcome.
-These "bad people" are just average citizens trying to make a living. Do you really think they "love" calling people to collect?

Just an average American's thoughts. I firmly believe that you should uphold your obligations. If something happens that prevents me from repaying these obligations, I will do whatever I can, including swallowing my pride, to make sure that I meet the original terms. These people (any lender) were there for me when I needed them. They took a chance and helped me. Why shouldn't I try to repay them? Isn't that only right?

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devery123
Charlotte, US
Dec 02, 2009 10:37 pm EST

They repossessed my car because I fell behind in my payments...

janiking97@yahoo.com

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calandra8
ada, US
Sep 16, 2009 3:20 pm EDT

American general is awful! We are in the midst of a bankruptcy due to a disability (long story) anyway...amer. general collectors began calling- I was told by my attorney to give them the info. (re the bankruptcy) which i did- I was then told by this "woman" (I use that term very loosely) that she did not want the info. nor would she listen to it- She then proceeded to tell me (verbatim) that "they would pull an 'asset report' then "garnish wages or take assets as they saw fit" sorry but i happen to know this is not how it works- its also illegal to even say that- I did record it..however, because they work for amer. general can they continue with illegal collection practice? Something has to give here...the illegal loan is another story...
help!

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tired123
Bloomdale, US
Sep 02, 2009 9:03 pm EDT

Who can I write to get American General looked into? They call me and make arragements and always show up when I tell them. But this guy that works keeps calling and yelling at me. basically telling me that i don't because that's not what he has in his notes on my account. Can I ask for copy of my notes? Because I do come in and pay. Oh he has a problem with me because I drop them in the night door drop and don't come in. Gee my payment is still there right? I then have to ask three time if I can talk and explain he tells me I can talk when I call him.. This is getting old... Does anyone have the number to their corp office? He also won't give me that number and says I have to speak with him. Any help or advice would be great and very much welcome. Thank you!

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Slap in the face
, US
Aug 26, 2009 1:09 am EDT

American General hold the mortgage to my home. I started out with a 600.00 house payment, now it is 1100.00. With every promotion a manager would call, telling me that I could get a better interest rate on the mortgage, lowing the payment. At the closing, the contact wasn't explained, the interest rate went up, and the mortgage went from FHA to CONVENTIONAL. I thought the mortgage I signed was a FHA loans, until the statement came. It stated that my new loan was conventional loan for thirty years and not a twenty year loan, that I asked for, also a adjustable rate, not fix. American General is a sham, and government should shut them down, and help American regain their respect.I am two months behind on the mortgage going into the third month. If there is anyone out their, that can help, please contact me.

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slap in the face

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Can you believe that the company representative actually CAME TO MY HOUSE to collect the payment??? I was COUPLE OF DAYS BEHIND, not weeks, not months but COUPLE OF DAYS. They came to my house (thank God I was not home, my mom opened the door). When I called the company they told me that they were trying to get a hold of me for days (I did not receive one...

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American General Finance Harassment

I took out loan for transmission 90 days i payed all but 145.00 1 month over paid in full extra 5.00 for interest for being late on 145.00. They took me to court i lost had to pay full amount of interest of 1350.00. Not only did they get interest they had a corrupt judge made it a total of 688.00 so if you think your right it don't pay to go to court they have lawyers and corrupt judges. You can imagine how i fill about our court system it stinks American general can go straight to ***. I will get back at them if its the last thing i do watch for it I'm pissed.

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minimama
, US
May 27, 2009 8:13 pm EDT

I also got a loan with the American General Finance in Lancaster, CA. I purchased the unemployment insurance and recently lost my job. I called to activate the insurance and they said it would take 30 days before they would make a payment. So they called and said a payment was late even though I thought the account was current. One of their employees showed up at my home to inquire about the payment and let me know they would take me to court for it. I reminded them of my financial situation and that I would catch up that one payment when I started receiving unemployment benefits. They said that was unacceptable and they demanded the money. At this point, I told them to do what ever they wanted and I was going to wait for the insurance to pay. My other creditors have all been professional and helpful when it came to catching up payments while I was waiting for the unemployment insurance to pay. I went back through my statements later and realized they did not credit a payment to my account and also noticed that they have misapplied payment amounts to my account in the past. Of course, I called to complain and they denied any knowledge that the payment was not applied. I had to go through months of bank statements to see what I had paid and when I paid it. They still have not acknowledged their mistake. They also proceeded to call everyone I put on my loan application when I did not immediately answer the phone when they called. The insurance is paying now, but they still call me every month for the payment and I have to tell them to check their records. I should I have known they would not be helpful when I activated the insurance. Before, when I was working they would call me days before the payment was even due(at work of course) to find out when I was making a payment. I will never use them again and I have told everyone I know not to EVER use them.

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