American General Finance

by Iceblock From Kingman, AZ on September 13, 2008

Contact FBI regarding Fraudulent Inducement. In other words, false appraisals. Contact FBI. for Arizona. px_cashback@ic.fbi.gov

by Alan DiCicco From Golden Valley, AZ on September 13, 2008

AIG is reaping what they have sown. Stocks crashing, former executives paying millions in retribution. Let's see how it all comes out in the wash.

by Alan DiCicco From Golden Valley, AZ on September 04, 2008

Sometimes it is better to walk away and cut your losses. I have lived in an RV and will do it again if need be.

by Anonymous From Detroit, MI on September 01, 2008

Never ever will I deal with a company like AGF. They lie and cheat people. My mother have a loan that she's been paying since 2001, 84mos. Well she still paying on a very large balance.I'm starting to think they are pocking the money. What am i to think.

by Anonymous From Ocala, FL on August 30, 2008

They are harassing me. They hunt me down at work,they came out to my house and my job looking for money. They forced me to write a check for funds that weren't available, telling me to put the money in the back over the weekend, their check would not clear until tuesday,

by Anonymous From Evansville, IN on August 27, 2008

I don't understand all of this I was only 2 or 3 payments behind. just a bare minium home payemnt that would equal $1800.00. alot of these post act like AGF is a person. Its a busniess. that lent you money when on one else would. If I owed you $1800 and you had bills to pay and employees to pay would you be very understanding. NO prpably not. I have bills that go behind. I get calls our house payment went late a coupla times. But never did I blame the company. I have read Iwas sick, my husband lost his job i got laid off. What if you lent me money, I got sick and decided it was ok to not pay you back while you are waiting for that money to make your house payment. I bet those of you who are only a2-3 months behind would be as sweet as sugar about never reminding me I owe you money and you need it. Just because AGF is a company doesn' tmean they don't have deadlines to make and bills to pay. you are thinking small minded. keep in mind you are not the only one late. so now multiply that $1800. I won't say get a job or quit being lazty because I know how stressful the market is my husband looked for a job for over a year and he has a good educationand great work backhground, I will just say remember its not personal, its business.

by Anonymous From South Whitley, IN on August 15, 2008

by Lori From Newark, OH on August 08, 2008

they cheat!!!!!

by Anonymous From Mount Carmel, IL on August 04, 2008

In 2001, my husband and I bought a home and financed through American General. When we took out the loan, we asked for credit life & credit disability. Now here it is 2008, my huband became ill, is disabled, and we are told that we did apply for the credit life & disability but "someone" didn't upload it when we took the loan out. At the onset of my husbands illness they called and said don't worry about anything, its all covered, until he became disabled. When we financed our home,they rush thru the paperwork, and you have no idea what you are signing. Besides we signed our morgage contract on a Saturday, because that was the only day available. I am seeking a lawyer to take recourse because we have the paperwork showing where they were to take out the insurance.

by Anonymous From Colonial Heights, VA on August 02, 2008

should be shut down

by Anonymous From Irma, WI on July 30, 2008

AG is the worse co. to deal with. They are very deceptive and add whatever charges they want on. We own 31 acres, the orginal mortgage was for our home on five acres. We remortgage and found out after the fact, they put on ALL of our acres. When they go through the paperwork with you, they just tell you to sign here, here, etc. You need a lawyer to go over your agreement as you will not believe how well they cover every angle to protect themselves. Guess that comes from years of deception. MANY people in our area have had bad dealings with them, which you find out to late. We have a lawyer on our case now, we were never ever late with a payment. Went in for a reduced payment, manager told us what he could do, made those payments, then we got a foreclosure notice. Manager has been transferred to another area, new manager has NO paperwork on the reduced payment. How convenient.

by Anonymous From Theodore, AL on July 25, 2008

by Anonymous From Enterprise, AL on July 18, 2008

by pam williamson From Swansea, SC on July 15, 2008

by Bobby V. From Longmeadow, MA on July 07, 2008

I didn't think they were all that bad. I fell behind a month, got a bunch of phone calls, but once I returned the call, they stopped bugging me, and we made an arrangement to get caught up. Zero problems after that. My credit was pretty terrible and YES, the rates suck, but that's part of the territory with bad credit history. Once I got everything all set, they were fantastic. I'm on my fourth loan with them as I like the service I get there. I'll pay for the service even though I could probably get a better rate somewhere else. I've had some friends with some nightmare stories, but me personally, have enjoyed the experience. Stay up to date and they're fantastic.

by JD From Central Point, OR on July 05, 2008

Come on. Just pay your damn bill. These people provide for their families by taking a risk on you. when you don't pay they lose money. Put yourself in their shoes wouldn't you want to collect it back ? I was sick, my dog ate my homework, blah blah blah. You communicate with your creditors and take the initiative to contact them and 99% of the time they want to work it out with you. You think a company like AG wants your house ? Come on. They don't make any $ on them especially in this market. Quit being apatthetic and grow up. Your problems are just that "YOURS" take care of business and don't make them everbody else's. America is a nation of apathetic stains. It's not my fault its the corporate sharks. whatever. I've had loans with these guys for ten years AND have gotten behind. if I have a problem I let them know right awayand they work with me. their is no profit in repos or foreclosures. Don't believe me ask anybody that knows anything about business.

by Anonymous From Greensboro, NC on July 01, 2008

I love how people say "only two payments behind" on their mortgage... as if that's better than people who are what...5 payments? The fact is a mortgage is a big responsibility not only for homeowners but for banks and finance companies such as AGF. I'm sure when a mortgage is past due one, two, three etc payments, they have to collect or consider foreclosing. If they do enough foreclosures then their employees won't be getting a paycheck anymore. A suggesstion for everyone, pay your bills ahead of time. I know it's a hell of a concept, but you can pay before your due date to be ahead and to prevent yourself from falling behind. I've never had problems with AGF, I keep my account paid ahead and I don't ever get harassed.

by Alan DiCicco From Golden Valley, AZ on June 26, 2008

The rich are getting richer by fraud and deception. Welcome to homeless America.

by Alan DiCicco From Golden Valley, AZ on June 26, 2008

AIG, parent co. of American General Finance is under SEC and FBI investigation. I think we have a good case/lawsuit. aldicicco@aol.com

by Anonymous From Saline, MI on June 25, 2008

American General wants to repo your house. They have agents in Ann Arbor,MI that apply for loans from priviledged information in their files and are extremely rude. They will not work with you for loan modification program, They want my house and I am going to let them have it because due to black mold I have been unable to sell it. Maybe they will be able to sell it or go to the expense of demolishing it and building a new one. I would be willing to stay here and work out something but they won't hear of it.

by Gregor From Sioux Falls, SD on June 25, 2008

Oh give it up folks. NEVER take out a loan unless you have a fail-safe way to pay it back. This company gives people second chances and they only ask for one thing: re-pay the loan on time. I'm sick of whiners that say "gee, I was only 2.5 months late". That doesn't cut it pal, maybe you should have stayed a renter. OBLIGATIONS PEOPLE live up to them or don't borrow their money. They owe it to their stockholders (Retirees like your parents) to get their principle returned and a profit! Grow up. What a bunch of whiners.

by Anonymous From Macclenny, FL on June 23, 2008

by Anonymous From Evansville, IN on June 18, 2008

If you don't want collection calls, instead of complaining about it...get off the couch, get a job, & pay your bills

by Anonymous From Streamwood, IL on June 16, 2008

by Anonymous From Del Rio, TX on June 14, 2008

by Anonymous From Vancouver, WA on June 06, 2008

We bought a hot tub and the company we bought it through worked with AGF - We were told we had 90 days same as cash - well, guess we figured out that we didnt when we got a summons from AGF to appear in court!Yep! No phone calls, no notice, just that we had defaulted on our loan agreement and had to appear in court. Now that good business practise there folks - gee, you think the owner of AMG wants a new hot tub? I think so! BS!

by Anonymous From Canfield, OH on May 31, 2008

They will work with you, but they harrass you, come to your home your work place. It's stressful enough, .

by Anonymous From Canfield, OH on May 31, 2008

They will work with you, but they harrass you, come to your home your work place. It's stressful enough, .

by Anonymous From Saxton, PA on May 28, 2008

by Anonymous From Saxton, PA on May 24, 2008

by Anonymous From Jamaica, NY on May 10, 2008

The company is pretty fast and still decently easy to deal with for approvals, in this terrible market. However, they will not really bend on rates unless you have spotless credit. All the people who complain about harassment calls and stuff like that, if you called them once a month or just called them back with updates they won't call you. You people need to learn how to pay your bills and stop taking out more debt you can't afford.

by Anonymous From Waynesboro, PA on May 01, 2008

they are not very helpful and do not care about our situation. we were falling behind due to medical problems and our loan officer told us to borrow money from a family member and she would have the loan refinanced. a couple days later, she called and told us that there was no way to refinance the loan for a lower monthly mortgage.

by Anonymous From Decatur, IN on April 30, 2008

My Ag mortgage payment was paid ahead and all that was due fro the month was $59.59. I paid 1500.00 to them and all that was credited to principal was $9.00. does this make sense??

by Anonymous From Woodridge, IL on April 30, 2008

I have borrowed about $14,000 from American General. I got laid off, I called and explained it to the local branch. They could care less. They kept calling me for money. I finally got a good job and started paying as much as I could. They were still not satisfied. The local 'specialist', as they call him, Tony, kept calling. Because of my work schedule, I was not able to call him back right away. He went into my files and contacted the people(friends and family members) that I put down for a 'reference' not an emergency numbers. Well within two days, he had called my mother who lives in NEw Jersey, and my brother who lives in NEw Jersey. I live in Chicago. They were upset to say the least. Then he went ahead and called my three friends. I am furious to say the lease. How do these people keep their jobs? I am in process of contacting a lawyer, and sueing them for harassment. As a result of this, my mother had a heart attack. Thanks alot American General.

by pat From Victorville, CA on April 08, 2008

yes am genital is bad i get the harassing calls at work etc finally had to change my cell number so the moron in the office would quit asking me the same question that his affiliate asked me on the phone 2 hrs prior. don't they write anything down?? then they have enough nerve to show up at my doorstep and harass me this has happend 3 times! after i told them i was laid off work and i'm only 1.5 months behind! once i can refi my loan i am going to tell them where to stick it. i'd rather deal with a loan shark LOL

by Anonymous From Tallahassee, FL on April 07, 2008

One of the worse companies to borrow money. They ALWAYS add things on your bill that you do not ask for. Please beware of this company. I use to work there.

by Anonymous From Joliet, IL on April 05, 2008

by Anonymous From Cedar Glen, CA on March 29, 2008

We are in questionable times and banks / financial institutions are getting stricter on their risk policies. Bottom line if you pay your bills on time, there will be no problems. You start to lag behind, they have heard all the excuses in the world and are immune to it. Problem is some excuses may be ligit others are not. If we had excellent credit we would not deal with these outfits to begin with. They may be bad but more than likely we could not have gone elsewhere to get a loan. If you think or doubt that you can pay a loan off don't even enter in an agreement.

by Catherine From Springfield, MA on March 19, 2008

I've gotta say that I'm utterly shocked that people had this experience with AFG. I've been with them almost four years, have had a few late payments due to financial difficulties, but have found them INCREDIBLY easy to work with and got caught up in no time. I like them so much that I ended up consolidating some debt that I had racked up about five-six years ago in a second mortgage and saved a ton of money in the process. It's pretty easy. Make the payments on time and you don't really have to worry. My only complaint I guess is the PILES of junk mail I get from them. But really, other than that i've NEVER had poor customer service there and never had any issues being harassed or anything. I've had loans with HFC and Citi and neither came close to AGF in terms of quality of service. As for some of the things here, i'm shocked people are this unprepared. Lost a job? They have Unemployment insurance that cost me a whopping $60 over 36 months. My husband was a co-signer on a loan with me and he went unemployed and the payments were covered no questions asked. Just had him fill out an unemployment sheet and had the unemployment office fax a piece of paper over. Next day they called me and said I was covered. I've had zero problems.. As for being behind on mortgages... I wonder if people here just have $200,000 they'd just like to GIVE someone else? I'd think they'd want it back, especially if a legal document was signed agreeing to the fact that you'd pay on it monthly. If you miss a payment it's up to you, not them, to contact them. Again, I've fallen behind.. i'm not the most fortunate financial person in the world.. and they've been super easy to work with. After floating around a lot of finance companies, i'd say this is probably the best one i've been with. I'd reccomend them to anyone and have and i've yet to find anyone whose had a problem with them.

by Anonymous From Paducah, KY on March 13, 2008

For the most part everyone who is ONLY 2-3 payments behind on their house and just can't seem to realize why the local AGF office doesn't treat as if they've just lost their first tooth is DUMB! Any financial institution in the USA will be upset with you for this sort or delinquency. There is no free lunch. Own up to your commitment you made on your legally binding contracts for payments in timely specified manner and see if this TERRIBLE service gets better suddently. Instead od moping on this site and spendind your apparently depleted disposable income on the internet, try getting by with fewer amenities like cable and 5 cartons of cigarettes a month and make your house payment! AGF is an average finance company. Don't like their service go somewhere else if you can...

by nancy From Washington, MO on March 07, 2008

I was sent a 1099-c from american general financial services. I paid the taxes on the 1099-c, which was not cheap. However, they took the tax write off and sold my loan to another bottom feeder, now they are trying to foreclose on my home, I used my home on this loan they are not my mortage provider.I had a bad time in my life. For four years I have never paid my home loan or any other payment late. Now I had to hire an attorney. To the best of my knowledge once you are served a 1099-c it is closed. Has anyone else had this problem?

by Anonymous From Loves Park, IL on February 20, 2008

by linda From Navarre, OH on February 17, 2008

the company never contacted us about finance charges until 2 weeks after they were added.and we had payed our bill of $4000.00 in full they refused to refund our money

by Alan DiCicco From Golden Valley, AZ on February 16, 2008

They charge too much interest and have a prepayment penalty 5%

by cassandra wall From Baton Rouge, LA on February 01, 2008

predatory lending practices Lack of follow-up Failure to provide payment history Sloppy inaccurate record-keeping

by Rebecca Scott From Tulsa, OK on January 27, 2008

They act more concerned with taking you're home than anything else.

by Tammie Reef From Worland, WY on January 11, 2008

Dave at the American General office in Casper is in the wrong line of work. I am not behind on my payments and have never been. He was a complete incompetent. He had zero professionalism. He did not give us the papers we were to get at the closing of our loan. The other people involved in the closing agreed that I their opinion he was not doing his part in the closure. If anyone wants to deal with AG DO NOT DO IT IN CASPER WYOMING

by Stan Mayberry From Decatur, IL on November 05, 2007

Where do i begin? lets see, well Adolf Hitler would be jealous of the tactics that are shown here in Decatur Illinois by the Circling Buzzard that runs the company here, She thrives on humiliation ! I went to Christian Schools as a kid, and my Principal was an ex-Marine ! He was like "Florence Nightingale" in comparison to this...oh.. I guess you could call her Human ! I mean,..I've seen better treatment or-customer service at Ebaneezer Scrooges office ! Absolutely no smiles (at-least from her anyway) and she ALWAYS makes it known to other customers just how much you still owe on a bill as loud as she can ! and i'm not the only one who feels this way about this individual ! I so can't wait till the glorious day (when i'm 99yrs. old) to pay off my loan to tell her just what and where she can stick the last Payment !!!!! if anybody knows the name of her boss please forward this to him-her ! she won't even consider helping or trying to extend out the loan to help us lower them,..even after i developed Epilepsy last year and have a very difficult time working !!...what a saint !! thank you !!

by GK From Kenosha, WI on October 02, 2007

It sounds to me as if we should file a class action lawsuit. You're all right to a certain extent in your opinions of that company. However, and I've been there while my mortgage was held by AG too, late is late is late. We all signed contracts and agreed to the terms. That said, life happens and AG leads the pack as THE worst customer service oriented company I've dealt with in my (almost) 50 years. When I refinanced away from them to Ameriquest, AG dragged their feet releasing the payoff to the degree where the young hotshot lending "specialist" for Ameriquest guesstimated the payoff....$5,000.00 higher than what it actually was. That was MY money. Long story short, Ameriquest simply said "Ooops", call AG. I called AG and was given the runaround until I finally received a very unofficial (not on their letterhead) letter with about 5 line item "fees" that ironically totaled an even $5,000.00. I called the office manager for AG in Waukegan, IL (yeah you...you thieving shmuck) and he tried bullying me (I'm 6'4, 250lbs...not much intimidates me), then flat out laughed in my electronic face, and told me, "Go ahead. Get a lawyer. It'll cost you a lot more than the $5,000.00 to get your money back. I'll see to it." THAT is AG. Willing to lie, steal, cheat, dodge laws, etc. I'll bet that a-hole pocketed the $5K and bypassed the cash register all together. I wish you all luck. If you're still with AG, get out any way you can. If enough people do, it will bring attention to them. If anyone starts a class action lawsuit, count me in. I'll check back often. GK from WI

by Anonymous From Hattiesburg, MS on September 28, 2007

I was beginning to think it was just this office in Hattiesburg, MS. Now that I have read all the other comments, I see it is a pattern. I WILL NEVER BORROW MONEY FROM AMERICAN GENERAL AGAIN! I promise you there will come a day that these managers such as Heath Nobles will encounter problems and circumstances that will hinder them from meeting their obligations in a timely manner. I pray that the person in their position will treat them better than they treated us. But remember you reap what you sow. Or what goes around, comes around.

by Dean Martin From Longmeadow, MA on September 27, 2007

I'm really shocked to read the poor reviews posted by many here who claim to be 'only' two payments behind on their mortgage. That's shocking that people think it's ok to borrow money and pay at anything other than the agreed to terms. I fell behind ONCE with AGFS and of course they called me and I was able to work with them very easily. The interest rate is precomputed and pretty good considering what most commercial rates are today. It's one of the ONLY companies i've encountered that the interest rate encourages you to pay the loan off early. I've enjoyed working with them immensely and would recommend them in a heartbeat over any of the other major companies.

by M. Reyes From Harlingen, TX on September 12, 2007

American General Finance are the worst company ever!!! Supposedly they credited my mortgaged account for $139 and yet they continue to accrue interest daily and wont apply that credit towards my principal, I kid you not my last 3 payments given on time of $638 only $6 goes towards my principal and yet every time I ask for an explanation they say its just how interest works.

by Fed up From Orlando, FL on September 12, 2007

Beware! Do not do business with American General Finance. They promised/guaranteed/assured me that they would give me a loan to consolidate my bills with them. It took them 3 months to tell me that I was not eligible. And yet I keep receiving, to this day, letters claiming that I am eligible for a huge loan. I was behind on my payments thinking that they would waive the fee once I was approved (because they assured me that I was). They called my house everyday until I was up-to-date. They called my house 10 + times a day (I counted). And even after I made the payment the calls came for a week more. It's ridiculous. I still receive false advertisements for so-called eligibility for loans. I just finished writing a letter explaining that if I receive one more false advertisement from them I would be taking legal action for harassment and false advertisement. It makes my blood boil every time I see a letter from them.

by Anonymous From Deland, FL on September 05, 2007

by Anonymous From Eau Claire, WI on August 30, 2007

I have a small loan through American General. I've had credit card problems in the past, and I used my loan to pay off a couple of credit cards and some old doctor's bills. I understand that with my not-so-great credit history, I'm not able to get an unsecured loan without some hoops to jump through, such as a very high interest rate (28%), and putting my crappy 1992 Ford Probe up for collateral. Working at a financial institution myself (who would not give me a loan, no matter how high up I went, even though I work there!), I understand that when you have bad credit, you're going to have to make more of an effort to get your credit score back up, and sometimes that means higher rates. It also means that you have to be more responsible about making payments than you may have been in the past. I'm reading about people who are 2-3 mortgage payments behind, and by that time, any bank or financial institution will be calling and putting into the works of re-possessing your house. Of course there are situations which make it difficult to make payments, but you have to remember that this isn't a rich, understanding, and patient relative you're dealing with, but a company who, in order to be able to provide loan services to customers, must collect and make money on the funds they lend out. You sign a contract saying that you'll pay a certain amount per month, which is most likely less than what you were paying monthly for your separate outstanding bills (in my case anyway), and as a binding, legal document, you are expected to live up to your end of the bargain. I have yet to read of a legitimate reason, from someone who makes regular payments on time, that someone is upset with this company. I've had customers come into the bank where I work and yell at me because they overdrew their account and were charged a fee. It's frustrating to me, as a bank employee, to have to deal with people who can't control how much they spend, and who don't take the time to keep track of their financial responsibilities, and then turn around and blame someone else if they have problems.

by Gene Sechrest From Versailles, IN on August 29, 2007

I recently contacted American General Finance on behalf of my son. He had asked me to help him out with a payment. I contacted them at the Greensburg, Indiana office and informed them I wished to make a payment. They said they would not give me any information on their account, but then told me that 473 dollars would bring the loan current. I offered to pay it with a credit card. They refused. Most places take credit cards these days. I then offered to pay them with a check that I would mail today. The manager of the office said the payment had to be in their office by Friday which it probably would not be if I mailed it. The man was not very customer oriented so I asked for his bosses name and number and called him. He was even less customer oriented. I would say that he probably costs the company a lot of money as his attitude belonged with Satan and not the angels. To make a long story short, they said they would proceed with litigation against my son. When a company can not wait one more day for a check to bring a loan current, it is time to stop doing business with them. This company is a perfect example of what is wrong with our country, and why we are loosing ground so fast. Their terrorist tactics are inexcusable.

by KJ From Maryland Heights, MO on August 28, 2007

I have had the displeasure of dealing with American General Finance for over 6 years now. I say this with the utmost humility and sincerity: This company is a brood of vipers. They exploit people with less than perfect credit and pursue the path of taking over their lives. They could care less about hard-ships; my wife and I have been dealing with her metastatic breast cancer for years and it's been a very difficult time for us. But for American General, this means absolutely nothing as all they do is demand money. The people who work in these branches should understand that they are destined for an eternity of suffering much greater than what they desire to dish-out. They are evil, heartless and unsympathetic to anyone's circumstances. I've communicated to them my wife is very ill and not to call my home upsetting her and they turn up at my door unannounced! They have threatened foreclosure on my home at least three times with me being sometimes as little as 2.5 payments behind. How can a company justify itself practicing business the way it does? Devils, all of them who work there!

by Anonymous From Bakersfield, CA on August 18, 2007

I haven't had the foreclosure threats that others have had ... but I've been subject to tons of marketing calls begging me to give them more of my business ... leeches, all.

by W. Phillips From Kershaw, SC on August 11, 2007

I am only 2 months behind on my mortgage and have had several late payments in the past due to my employer decreases work hours during slow times, yet American General is threatening foreclosure! They will not work with us at all and demand all monies due PLUS next month's payment, IN FULL within a very short time frame. I spoke with their district manager, in which I was appalled by his un-professionalism and disrespect. I questioned him several times what my options are and the foreclosure proceedings, in which he would not explain. His only comments were that "I have to pay the full amount due by a certain date or American General will take my home". I asked him for his supervisor's number and his initial comment was, "I don't have a boss". We argued several minutes until he finally gave me his supervisor's name and stated, "There is no use calling him because he's on vacation". I pleaded with him to give me his supervisor's number. He finally gave me an invalid telephone number and stated "you will waste your time calling him because he will tell you the same thing". Finally, after several long distance phone calls and speaking with the district manager's secretary, I received a valid phone number. When I hung up the telephone, I was in tears to the point that I was sick on my stomach. I have a full-time job and a college education and am trying everything in my power to keep my home for my kids and myself. With our American economy in the shape it is today and so many people out of work, this company should be ashamed of how they treat their customers. I feel ashamed, embarrassed, and like a criminal, only because I fell behind on house payments. American General will not work with regular everyday American people like myself and could care less if their customers have to live in the streets.

by Anonymous From Bessemer, PA on July 27, 2007

they call me daily at work regardless of how many times i have said i am not allowed to receive these calls. I am currently going through a divorce and have a great deal of stress. i have told them this and they tell me that i am going to lose my house. they do not explain when or how when i ask them, just that they will take my house

by Anonymous From Dublin, GA on April 30, 2007

I have been repeatedly harassed at work after asking that American General Finance cease such calls. I've provided them documentation that an emergency room visit made my last payment late, yet American General Finance continues to call me at work and threaten legal action. American General Finance employs the worst tactics I've ever had the misfortune of encountering.