American General Finance

by Mark Turner From Louisville, KY on January 27, 2012

Citi mortgage as u see are on the verge of losing it all they are not godly people and care nothing about their custers,their very crooked and not a mortgage company to relie on.

by Anonymous From Saint Johns, MI on December 24, 2011

I have to say these people are the worse, my mother and I are both disabled and do not work, and cannot work do to our disabilities, they want to take our home which was refinanced she told them she could pay them 500 a month and they wouldn't take that, kept calling and harassing us and said the home would be in foreclosure, we have had to deal with nothing but rude people and when I tried to pay they told me I could not because the loan was in my mother's name and I wasn't on it and so they pretty much told me off, I tried talking to them and they told me to not call them again and this matter was done and that they would be taking our home, I've tried to get help and no one can help, I've tried talking to them and they won't help, so what more can people do? I've tried everything to save our home and no luck, besides all that we have no heat or hot water and I'm ill almost all the time, even after all this we still get phone calls from them and they are rude and inconsiderate. Besides all that I'm Native American and they still won't help me or work with me or my mother. My soon to be husband is also Native American and he was in the military and they still refuse to lower the rate and they said the house is still in foreclosure, but if anyone out there can help us please do? This company needs to just grow up. Though they never will. With all this in mind my mother has been in and out of the hospital do to her illness and when I asked if I could pay them they told me no and that it was too late. I was told that they had to take it no matter the amount so all of this that they told me is a bogus lie and it hurts, that no one in their company cares. As long as they get their money they don't care and it makes me sick. Besides all this even with my disability I raise chickens for eggs and work on my little farm. Not enough to make much money but still I try to help. But they won't help us, but if someone can help us, I hope they will. We need someone whom will help us stand up to them. Know of anyone?

by annonomus From Hampshire, IL on December 17, 2011

They stated it is not our policy to kick you out in the street, but when we were in court while my husband and I approached the judge the judge said to the lawyer before we even spoke I will take care of this today. the loan documents they produced did not look like the ink was old even for the documents but we could not argue because the judge declared you are foreclosed on no more statements. I didn't even get a chance to ask to have an ink analysis done. I hope everyone in this country opens up their eyes and see through the corruption. And for all the smartest who just say pay your bills, this mess is not over yet. Your day will come. Some of us lost our jobs and our homes but more people will soon because of the regime in this country.

by Anonymous From Palatka, FL on December 05, 2011

by Scott Garlough From Leetonia, OH on October 17, 2011

by Anonymous From Blythewood, SC on September 27, 2011

American General, now Springleaf Financial is a good company. If it was not, then we would not have been around for 90+ years. People are getting mad because they do not understand their loans, don't bother to ask questions at loan closings, and they do not pay attention. They rudely answer their cell phones when we are trying to conduct business and get their applications. And no, we will NOT come out to your home if you have been keeping in contact. If we do not have a payment in the office, and we have a promise, we will continue to follow up. If you make a promise to pay and then don't answer your phone for a week or more, yes, we will come out to your home. YOUR fault. not ours. Do you think we enjoy having to work late into the evening just to collect the payments that you agreed to pay but are not??? Do you think that we do not have families to go home to? or children to attend to? school work/homework to do? Do you know that we are not allowed any vacation during November and December because we have to work all that much more for YOU? The customer?? Why?? Because we care about our customers, because we stay late to make it convenient for YOU to come in after YOU work. If you don't want people coming to your home or calling you, then pay your bills, or work with your creditors. Keep in contact, call us, so we don't call you. Ugh.

by The Truth From Chuckey, TN on September 04, 2011

A.I.G,American General, Capital One, Citi-Bank, Citi-Group,Goldman Sachs, N.A.S.E, Met Life, Mega Life & Health, aetna, Cigna, Bank of America, Stonebridge Life,Aegon, Wells Fargo, A.E.G, World Finance Corp., J.C.Penney, Sears, Lowe's, Amway, DLJ merchants Bank, Fortress Investment Group, Cornerstone, Blackstone Group, National Union Fire Ins.Co. and many more. These are The American International Group who were bailed out by Government. Their all liars,never pay what you pay for,Organized Crime. Look up what caused the Stock Market crash of 1929,and the great Depression...google them all and be very scared. There have been unexplained deaths & suicides to this Orginization...

by JOHN HERBERT From Brentwood, NY on August 12, 2011

Home equity stripping and money laundering financiers. Alters documents and submits them to court as fact. AGF will use its deep pockets to try and wear you down through endless litigation. The best way to defend yourself against AGF is through your District Attorney, Dept. of Consumer Affairs and your State Attorney General. AGF is the worst. Every crooked home improvement contractor, auto salesman and lender knows AGF is a fence. Things have gotten so hot for them they change their name to Greenleaf. I ask you, can a leopard really change its spots?

by Rogers From Orlando, FL on July 07, 2011

I have had my mortgage with American General since 1995. I was never late until 2007. They refinanced willingly to help me out. My payments doubled and my interest rate went up. With having bad credit I thought I had to accept this due to no one else would work with me. Time went on, I had trials and tribulations...I got behind 2 months. I had $600 to give towards a payment but they would not accept, stating they do not do partial payments. I was 7 days shy of 3 months behind. They called me stating if I didn't come up with the total 3 months payment by 9/3/10 I would have 10 days to vacate the premises. It was me and my 3 kids. I panicked. They wouldn't take the $600, I went and got an attorney. It has been 10 months. My attorney has had nothing but trouble with Am G corresponding and answering their calls. My roof is tarped, one of the bathroom showers the floor is falling through and still nothing. My attorney contacted me today 7/8/11 stating they want to go to mediation 8/10/11. This is less than a month from the year I obtained my attorney. I spoke to them and they do not think they are going to work with us. They are asking for all new documents again. I cant fix the roof due to I don't have the money to throw away. I cant fix the bathroom either. I didn't pay the taxes last year due to the same reason. If they do decide to do something in August. I am being set up to fail. It will take longer than 2 weeks to process, so I will have attorney fees $500 month and the mortgage to pay in September. If they decide to do a modification. They are setting me up to fail. What do you do? I am trying to save my home. Now all my children are all legal age and even though I am their sole provider they don't consider this in my income. They are saying I make enough money to pay this. What do you do? They would rather have an empty home vs. working with me and getting something. HELP!! I can't afford rent anywhere! I need at least a 3 bedroom. I know this is my debt and I am willing to pay it just help me out and lower the monthly payment. Thanks for reading my post. I will say a prayer for all of you!

by Megan Crafton From Burkesville, KY on June 09, 2011

by shawn natali From Tulsa, OK on April 05, 2011

best company i have dealt with. my friend was an employee at AGF and they took care of her when she gave notice. within 1 hour after 9 year career they said pack up and leave, you working for a bank now and they are competitors

by Anonymous From Venus, TX on March 13, 2011

I was hired by AM Gen back in the 90's, to make a long story short most of the stories being told are all true. I found this company to be most unprofessional. In customer and employee relations. I would ill advise either getting financial assistance from such a rude company. Nor do I advise anyone of african american descent to consider employment in such an environment.

by Chuck Johnson From Tullahoma, TN on March 12, 2011

I don't work for American General, but I have applied in the past, so I hope it's understood that I am not an employee. That being said.. I have had a loan with a local credit union, and fell behind on payments. They called me everyday, and even called family members to get me to pay what I OWE. The reason I wasn't upset is because it is my own fault. ANY financial institution wants their money back. LOANS are for poor people who can't afford it to begin with. I couldn't afford the car I financed, and I realized that after it took five years to pay it off. The weird thing is that I got a call every time I was late(sarcasm). The only reason you would go to a sub-prime lender is if your credit was not good enough to get a loan through a bank. High interest rates equals bad credit. Bad credit means that you NEVER pay your bills on time, and someone trusted you anyway. I would be willing to bet that most of you have cable television, and in fact, pay for internet; so you can post your complaints. Try prioritizing a little. Ramen noodles and water isn't SO bad. Quit trying to prove to the Jone's that you got money, when you don't. You don't have to drive an escalade, when it's worth more than your mobile home. I understand that things happen that are out of our control, but we should try to be prepared for these things, and not blame someone else for what we do wrong. I'm not in debt anymore.. I don't OWN much, but I have no stress. If you NEED/WANT it now, then be prepared to pay for it. What do they do at rent~a~center when you're behind on the $200 laptop, that you're paying $1200 for?

by Shawn rodriguez From Squaw Valley, CA on January 08, 2011

They start out as your best friend and as soon as one thing goes wrong or you question something like am I not suppose to have "Escrow Document: such as Review terms of NOTE and Truth of lending Statement." They turn on you. We refinanced Our home in 09/2006 they paid off our bill including our truck they said this is part of they refinance. they also said after the first we could refinance again and get a lower interest rate from 10% to 7%, lower payments and longer terms 20 year to a 30 year. Our credit rate fell so low that when our first year with them was up they said there was nothing we could do but stay with them and lets not forget the 5 year prepayment penalties which no matter where you were in the loan payments it would be back paying the original amount of the loan. they are not a part of the "making homes affordable program" they are not a part of the "Obama program" the BBB Or anything out there to help the people. The government needs take a look at this company they need to answer to somebody.You may not be able to save our home but you mite be able to save someone else. Please If you hear of anyone stepping up to the plate to take on this giant (A.G.F.) please E-mail me At feli5swife@aol.com Thank you in advance The Rodriguez's in Squaw Valley

by don From Spanish Fort, AL on January 05, 2011

i have a mortgage with am general. i lost my job but my husband still has his. i applied for a modification due to hardship with a private company and they turned my down. american general then in turn said go through us for a modification. they turned me down as well. my debt to income ratio is 41% i so got the runaround with them about why the modification was turned down. it seems to me that they want my house rather than helping me with a solution. i don't understand why the government has the making houses affordable act going on when these companies do not have to comply with them. i bet if am general needed bailing out the government would come to their rescue. oh well I'm just the little person trying to save her american dream

by JR From Sunnyvale, CA on December 10, 2010

Took out a loan of over $80K with AGFS in the year 2000. We have made payment faithfully, never late once. With 12.82% APR, our balance is still at over $60K. Attempted a loan mod through Money Management International Group in 2009 to lower our APR. AGFS refused to lower the APR but agreed to let us make lower monthly payments of $400. Out of the $400 per month, only $.05 (that is FIVE CENTS, folks!) is put toward the principal balance with the remaining amount being pocketed by AGFS for "interest". Seeking any help possible to fight or end this nightmare; will take over 10,000 years literally to pay off these loan sharks. Is a class action lawsuit worth it? We are checking all possible solutions (DA consumer affairs, FBI, as well as legal action). Any advice from other AGFS victims is greatly appreciated.

by Anonymous From Gallipolis, OH on November 15, 2010

Every month they tell me I am behind on my payments. They give me a different figure each time. Also, after I applied for a loan modification with another company they told me they would not accept and they offered to have me apply for theirs. Then they denied that loan modification. After I got my payments caught up they told me again the next month I was behind again. I think they try to get you confused on purpose and keep you at their will to keep you on their leash.

by Rebecca Lynn Howard From Gray Court, SC on September 22, 2010

by Roy & Deborah Flowers From Adolphus, KY on July 16, 2010

by Anonymous From Floral Park, NY on July 09, 2010

How to handle a creditor if you lost your job and don't have savings or assets they can take or file a lien on. - Call them and see if you have unemployment insurance. - Make a budget for yourself so you know how much you can pay your creditors. (The budget should only include net wages/unemployment/any other pretty guaranteed income, rent/mortgage/property taxes/home owner's insurance/maintenance fee, water, gas, electric, phone, household items, transportation expenses, and food.) - Call them and ask for a partial payment arrangement. The only demand I would ask for is that they waive all future late fees since it's the same problem making you late. I would also ask that if they can report to the credit bureaus you are making partial payment arrangements but not all creditors will do that for you. Ask for something in writing as well stating what you just discussed. - If you cannot come to an acceptable agreement and they call you harassing you for payments, take the higher ground. Their job is to get you to pay and they will or may seem rude about it. When it gets to that stage just politely say "I will call you back later. I like to keep conversations with strangers professional and in my opinion you are being unprofessional. I will talk to you later today or tomorrow the latest. Goodbye." - If you are in decent contact with your creditor (I would say a weekly basis) and after a couple of months if you still can't come to an acceptable arrangement or if you just can't afford to pay them, don't pay. Shelter and food for your family should be your primary concern. If your budget doesn't dictate that do not be feel you are forced to pay them because of an attorney or legal action. You are jobless the attorney cannot come after you unless you have assets. I would tell them I'm sorry and even send them your budget worksheet showing you have a negative budget. That you will pay them once you get over this hardship. Show them you have a plan. Once I find a job, once I move out of my too expensive apartment, once I sell my house etc. There's nothing they really can do to you if you have no assets. If it's a mortgage they gave you. Apply for a Modification AND partial payment arrangement WITH the company (ask for the same waiving of late fees), and just wait. Do not go to a 3rd party. If it's a 2nd mortgage and you owe more than your house is worth with the 2nd mortgage I would even consider chapter 11 bankruptcy to try to get your finances organized, assuming the modification really didn't help you because of the 2nd. If your house is worth more it might be time to suck it up and just sell it and pocket the change it takes 6 months to 2 years for any kind of foreclosure action and once you know you will have prolonged hardship it might just be best to stick the house on the market. Showing your bank this too will delay their foreclosure action and will save you on 10k worth of attorney fees your bank will charge you just to process the foreclosure (even if it didn't go through).

by RUSSELL DOYLE From Wolcott, NY on June 15, 2010

by Theva From New Orleans, LA on May 23, 2010

My husband passed away in November 2007 and left me in debt. I only had enough insurance to give him a proper burial. However,within the month I started receiving calls from American General so I explained my situation to Terry who is the manager but she still insist on me making a payment. I manage to make a payment that month but bills started building up and I had a son graduating from high school, so I ended up getting behind. I started receiving threaten calls from Terry and her boss telling me to pack me and my children stuff. Eventually, I filed bankrupt but I am so ready to leave this company;They are rude and very unprofessional and something need to be done to this company as soon as possible.

by Anonymous From Pacifica, CA on April 30, 2010

Harassment, scam, faulty records

by Larry Sheppard From Aiken, SC on April 22, 2010

They are not very friendly when it comes to your needs..

by Anonymous From Arkansas City, KS on April 15, 2010

by Crystal Black From Cranberry, PA on April 13, 2010

American General Finance The worst Company ever!!! NEVER deal with them!!!!

by Reba Strickland From Portland, OR on April 02, 2010

I would have liked to have had my insurance and taxes included in the refinance I did not get that I was responsible until closing

by Anonymous From Adairsville, GA on March 27, 2010

by Hussain From Glasgow, KY on March 24, 2010

Sara, just curious, what exactly do you want Obama to do?

by sara From Surprise, AZ on March 17, 2010

What goes around comes around. I wish every homeowner could just walk and then these crappy places might just have to think things over now wont they?? No one pays their house payments and they get no pay checks. And hopefully Obama would then step up to his PLATE AND GET THE BALL BACK ON THE RIGHT TRACK!!!!!!!!!

by Z Burkett From Largo, FL on March 09, 2010

I understand totally what it is that you are saying. We all are at a huge MAJOR disadvantage in these negotiation proceedings. In these dealings! What I don't understand is that since I know that we aren't the only ones who realize this (or are we?), why aren't more people going to lawyers and compliant loan modification companies to get their loans modified? Instead they will listen to their lenders who tell them not to, then they frustrate the hell out of you until you give up and/or lose your homes...Then you want to find a lawyer for a class action lawsuit. That doesn't bring your home back... The government needs to do something to punish these banks for not doing what they agreed to do when they accepted that tarp money...And, we as consumers need to take all of our money out of these banks, and open up accounts at our local credit unions. Money is all they seem to understand. We all know that the President can't do this all himself. And, the other politicians can't seem to agree on anything fast enough to help all or most of us homeowners not lose our homes. I feel for anyone who has to lose their homes when they don't have to. YOU NEED TO DO WHAT'S BEST FOR YOU AND YOUR FAMILY TO SAVE YOUR HOMES! NOT LISTEN TO THE SELF CENTERED ADVICE THAT THE LENDERS ARE TELLING YOU. Hire a professional to get this loan modification done for you. The legitimate ones know what they are doing, do your research. Find the right company or lawyer (one who knows what he's doing) and go at the banks like you'd goto court..prepared with the best representation that you can find..I can't stress this enough how much sleep I got and gray hairs I lost once I turned my case over to Corey Lassiter at Clear Image Financial Group, Inc.. They are one of the good guys. Kept in touch with me from the very beginning, I could view updates on their website, or phone in and speak to the negotiator assigned to my case, as well as I don't know how many time I spoke to Mr. Lassiter on the weekend or late in the evening via his cell phone. He always took the time to speak to me. Then when my loan mod was approved, I could exhale....They got accomplished in 90 days what I couldn't seem to get past step one for about 6 months. I will never forget what he told to me.. He said, " When the banks ask you questions over the phone or ask you to send in the same paperwork over and over again, they are not really looking to approve you. They are hoping you tell them or send them something to disqualify yourselves". And, the more I read these blogs and forums the more I realize that that is 100% true. Look for yourselves, out of the 344 comments on here am I the only one who got approved? I must of been the only one who used a professional! You have a better chance of getting approved if you do. I can lead you to water..well you know the rest!

by Anonymous From Sidney, OH on February 28, 2010

They came buy my house once.. told the guy he steps on my property again and I harass my wife and I wouldn't hesitate to give him a lesson in picking himself up. Also I would drop payments off in their night box.. which is a crack in between 2 doors and they would never get posted I think they where throwing them away. So to pay my house payment I make it in person but always get in a argument with them because they have as much customer service skills then a dog tird..as soon as I can I am getting away from these crooks

by anonymous From Elkhart, IN on February 18, 2010

The unintelligent employee above who stated American General Finance. would not come to your home unless you had not been in contact with them of course is lying like all the rest of American General. employees. I was in constant contact with them. They still came out to our home and refused to leave. These people will answer some day to the way they behave. They are nothing more than legalized loan sharks. Why is there no way in this day and age to stop them. I sent a letter telling them not to call and they called. Why is Am. Gen. above the law. What makes them able to abuse people the way they do. Where is the penalties for being street thugs? They are not professionals. I filed with BBB and so have many others. What good does it do? Is there no laws that Am. Gen. is above. Elkhart Indiana Am. Gen. is as bad if not worse than in other parts of Indiana. Thugs, organized crime, and unprofessional are employed by Am. Gen. Finance. I am keeping track of what they are doing to me. They will not get my house. I will make it public if I have to take out a full page add to let everyone know not to go to them for finances no matter what.

by Stewart From Winchester, VA on February 17, 2010

My father-in-law passed away leaving a debt with AG. I promptly called and explained that my wife was going to settle his accounts and assets. We contacted a lawyer to deal with his estate. We were trying to do the right thing. Most of the people we contacted like Comcast and Verizon were very kind and understanding. AG sent a thug out to our house demanding to speak to my wife and demanding to know what we were going to do. He had to know the steps that are taken when someone passes. There is nothing we can do, the settlement of has to be done through the courts. Yet here was this nasty belligerent man yelling at me and saying that he was and I quote "coming after your wife". Turns out this thug was the branch manager! I will never deal with this company and I would advise anyone else to avoid this thugs they are little better than loan sharks.

by Z Burkett From Clearwater, FL on February 11, 2010

I feel your pain, all of you. I was fortunate enough to find a company that is legitimate. Now I know that the banks the news and government say we shouldn't go to any company that charges, that the banks will modify your loans for free. Well, how many of us on here have had our loans modified by the banks? A lot have lost their homes, and lot more still will unless you do what's necessary to save your homes from the banks. I went through what most of you have, I was there. Then I was referred to Corey Lassiter of Clear Image Financial Group. They saved my home. I know I would have lost it if it wasn't for him, Tasha, Denise and the rest of the people who work there. Got me caught up on my mortgage 1st & 2nd, lowered my interest rate & payment, and secured me a 50k principle reduction. Before anyone else on here loses their homes you need to give them a call 877-940-1477 ext 231. Corey Lassiter. Don't be afraid of hiring a loan modification company, be afraid of the banks, they are the ones who are taking our homes! I know they get the job done. News and TV made me afraid to even consider a loan modification company because they are all scams and my lender will do it for free (wrong). There hasn't been not one story about a good company and when I tried to contact my local news channel they told me that my success story wasn't news (What!) So, I am making it my mission to spread the word on this GREAT company!

by Floridaretiree From Saint Petersburg, FL on February 03, 2010

American General is part of AIG which was bailed out by the government. They aren't doing any real modifications, they just pretend they are. I could have refinanced 18 months ago before I was laid off but they wouldn't release me of 1 years pre payment penalty, making it not worth the change. Now they will get stuck with at least a $100,000 loss if they don't work with me. This is my second try, after taking a roomie and filing for Social security to have more income. They are ruthless, and are just collection agents working in the offices. They do not participate in the Governments program to help people....maybe they just want the loss write off.

by Sue From Jackson, NJ on February 02, 2010

There is a law against harassment. They came to my door as well. Placed a letter with a business card in it to call them. No stamp or post office was used and they came on my property.

by sueagfwontwin From Bluffton, IN on January 30, 2010

if you see any posts from evansville, its probably from american general. Also, look at their rudeness, and vulgarity in their posts, shows what kind of business ethics their customers have to deal with!!! Bunch of fraudulent, crooked business people....

by Anonymous From Horn Lake, MS on January 08, 2010

by Scott From Evansville, IN on December 31, 2009

To those of you who had a same as cash loan through a merchant...when you get behind we will NOT issue a field call until you ar 60+ days deal...it costs the comp money (usually) and if we have had contact w you or a payment w/in the pst month we won't show up at your house....also our goal is the same as yours to pay in full your account... I would also like to mention that iT most def does not help you or your account to be rude, demeaning, or threatening when we talk to you on YOUR overdue account..obviously as a collector if you are an a**hole I WON'T HELP YOU A BIT....I put a lot of the blame as far as attitude on YOU the customer..if you can't pay and you a NICE/RESPECTABLE person (which most are) I have no interest in not helping you....think about that next time ANY bill collector calls you...and we might actually try to help you...also if YOU actually call us a few times a month we have no need to call you...TRUST ME...we don't won't to talk to any of you.....

by Anonymous From Fayetteville, NC on December 31, 2009

American General Mortgage company does nothing to help lenders. My story is similar to the man whose wife got sick and their income decreased i was told there was nothing they could do for a year me and my sister struggled to make payments after my dad died unexpectedly so that my mother could live comfortably then i heard of NACA a non profit organization that helps people get reduced mortgage under the affordable mortgage program. We began the process a year later and all of a sudden AG wrote us after pressure from NACA saying that they believe my mother qualified for a mortgage loan affordable. Then they wanted us to pay two months consecutively with payments on time. The service received in fayetteville, nc. was rude and disturbing had me wondering who else is dealing with this nonsense mortgage company.

by karen powell From Gosport, IN on December 11, 2009

I will never do business with american general finance again. My wife got disabled and we lost her income and went to them before we got behind to reduce our payment and they told us that we made too much money. That's funny since her meds are 400 a month that insurance doesn't cover and if she doesn't take them then she loses her vision. They don't give a fly rats butt. Hate them.

by Anonymous From Cape Girardeau, MO on December 09, 2009

by PAID OFF From Lawrenceville, GA on December 03, 2009

I acquired a loan with American General in my early twenties when in a bind and needed fast cash...was I ever stupid. I was late on my payment a couple times but, it never failed. They would call my work, cell phone, and my references within two days of my payment being late. I would make the payment and the idiots would call me the very next day looking for another payment. They do not keep good records of your payments. I questioned them a numerous occasions to provide me with a payment history...with no avail...they told me that they did not have access to that information. IF you don't have access to that information, how do you know when my loan will be paid, how much I owe you, or if I'm late. Give me a freaking break. They called me while my mother was in the hospital with cancer and I asked that they call me the following day but No they called my cell phone the at least 5 more times that day. This was not a case of some deadbeat jut not making their payment. My payment was on time every month except for 2 at the most...and even then it was not past the 10 day grace period. The people they hire are morons that can't get any other job. The worst was that I recommended them to my sister and she ended up getting a mortgage through AG...I feel like crap for doing that now. As we all know the economy is not what it was 3 years ago and they continually show up at her residence knocking and even trying to turn the door handle. If I'm ever there when that goes down...I will beat the ever living off you! These AG employees are scum of the earth with no morals. How can someone sleep at night that gets paid to harass people that aren't even in a collection situation. That maybe the best answer for everyone here...let them send the loan into collections. The way they act you may as well be working with a collection agent, at least they will work out a reasonable payment plan with a fixed payment and most likely minimal interest. GREED is bitch my friends....NEVER GET A LOAN WITH AMERICAN GENERAL FINANCIAL. OH!!!! and by the way ..if you come to my sister's house again and as much as fart in her yard I will beat you. You know who you are.

by Kitty From Park Ridge, IL on November 27, 2009

I had 3 days to get a loan for my daughters school since the city college was suspended from student loans due to too many defaulted loans. They are ridiculous and harassing. My payment is due on the 23rd and I have a 10 day grace period. I pay them on the 30th of each month. They call me on my due date from cell phones & blocked calls repeatedly through out the week leave voice mails. I have kept tarck of every voice mail and blocked call on my bill. I have 3 more payments and I plan on taking action for harassment when this loan is paid off. My attorney has copies of all of my online confirmation codes.

by henry Rodriguez From Hanna, WY on November 17, 2009

by Laurie From Beverly Hills, CA on October 23, 2009

As a matter of fact people do have a problem using your "so-called" loaned money! There are already several lawsuits that have been placed against American General for your harassment, loss of jobs, contacting your "references" which were to be given only to find out if the person was whom they said they were...not for harassment. Do your field calls somewhere else! Trust me, if the person has the money, they'd pay...WAKE UP, leave a message with the person whom is ACTUALLY responsible for their bill, and find your own friends instead of calling theirs! By the way, so much for your client referring their friends to you...you bug them enough there's no reason to get a loan! Get ready, a class action is in effect, hope you lose your job and get calls from me about your mortgage! Funny how I get calls and I am up to date...you must not have too much to do there! Also, make sure you get a REAL appraisal for your loans...do the research on your professionals before you attack your clients! What goes around comes around! Take care...stalkers!

by Anonymous From Beverly Hills, CA on October 20, 2009

All of you people on this site are stupid. If you would pay your payments on time you wouldn't have these problems. You didn't have problems using the money. You need to take responsibility for your actions. If you're late have the sense to call and advise you will be late then they wouldn't have to call you all the time.

by Anonymous From Clark, NJ on October 18, 2009

I just sent an e-mail to President Obama, hopefully he can help. Those of you who have been victim of AGF should do the same.

by Anonymous From Soddy Daisy, TN on October 15, 2009

there harassment,it will drive a person nunts

by Ms.T From Brooksville, FL on September 22, 2009

Do not do business with them. My pay off was given at $1,000 when I decided to get out from under them 5 months ago. Now, after making my payments the last 5 months and saving my money, I went in for my payoff,,,,IT WAS NOW 1,680$!!!!!!!!! HOW IS THAT LEGAL????? They also post payments late to charge you penalties, and I even had a CASH payment dissappear,,luckily I had the reciept..My Advice: Stay away,,but if you do get a loan::DOCUMENT,DOCUMENT,DOCUMENT@!!!! keep your own notes, etc,,IM BETTING YOU WILL NEED THEM!!

by Anonymous From Bloomdale, OH on September 17, 2009

When I dropped off my payment they called just to yell me because I dropped my payment in the night drop off. They were not open yet and that was when I was in town. Can someone tell me what a night drop off is for??? THE WORST COMPANY EVER.. Oh also get told I couldn't afford a reduction in my loan too. CAN"T AFFORD A LOWER PAYMENT..let's think about this for 30 seconds..... done? Yeah that's what I thought too. What jerks!!!

by Pissed OFF From Gilbert, AZ on August 31, 2009

I have to agree with many of the posts I have read. For months I have been trying to get a work out to be able to still make payments to them. While my 1st mrtgage company is not any better (its a collection company) not realloy a mortgage company, I belive that AG is the same. They do not seem to care about the consumer. It is too bad.

by Anonymous From Cleveland, OH on August 27, 2009

Here is the best way to deal with these parasites. When they show up at your home ask them to hold on while you call the police. The second step is to take their power away by telling them to go ahead and forclose. To fight with this comany is not worth the pain. In the time it takes for them to forclose, you can save enough money to rent a home. Leave these fools with nothing but a empty house and thousands of dollars in Court costs, and Attorney fees. Remember that this is not your fault. Greed put this company in the position it is in. Anyone who feels the need to protect this company by using the lame "You signed the contract" line. I pray that your ignorance will be replaced by gratitude when life throws you a challenge that one of the fine people here has to help you with. No one here is trying to avoid honoring their resposibilities. The system is broken and unfair and it is time that the greedy feel the pain.

by Jo Merritt From Leland, NC on August 14, 2009

Horrible company. I asked for a six month reduction in payments and they refused me.

by john blackburn From Carolina Beach, NC on August 12, 2009

by Nicole Pam From Anderson, SC on August 12, 2009

by Anonymous From Youngstown, OH on August 10, 2009

American General sucks!!! They need to be shut down

by jmw From Tasley, VA on July 30, 2009

I borrowed money to get a SUV. Sorry that I did. I am always trying to fix it in which cost me to eight make my payment on time or get the thing fixed. The mechanic told me that it had been in salt water. Each time I've relayed what was going on with AGF. Long story short, I was 1.5 late,said I would make good next time. AGF got a warrant in dept, was granted along with court cost and interest of 36.0%. The SUV has a lean on it, they don't want it, I cant even sell it to get the remaining money. Payments 131.00 with what going to interest. What goes around comes around. I think it is not all the time the company but the big head people trying to make a name for them self. They need to work with the people that ask for help,they will see they will come back. As for me, I WILL NEVER GO BACK WHEN THIS LONE IS Paid OFF. MAY GOD BLESS EACH AND EVERY ONE. When it is their turn to fall short it will be 10 times what they put you through. I did not mine the calls because I do forget and I always thanked them for the call. At this time all I cam hear is "WE DON'T WANT THE CAR,WE WANT THE MONEY".

by anonymous From Carson City, NV on July 29, 2009

..

by Anonymous From Wolcott, NY on July 29, 2009

by Anonymous From Atlanta, GA on July 28, 2009

They call every single day about three times a day, come by my house unexpected.

by antonio malone From Atlanta, GA on July 28, 2009

They call every single day about three times a day, come by my house unexpected.

by Insuled From Durango, CO on July 24, 2009

Oh and by the way. This company took your tax dollars out of your pocket as well so you have no say and look pretty stupid putting the people down that are being taken advantage of by AIG when you helped pay them to do it.

by Insuled From Durango, CO on July 24, 2009

To all of you who bash the people unable to make their loan payments due to a hardship SHAME ON YOU. Who are you to judge and criticize? I would like to see your more fortunate situation that puts you in a position to put others down. Do unto others as you would have them do to you.

by Anonymous From Springfield, IL on July 23, 2009

At times I get 2 or 3 calls a day from them...it doesn't matter if I make my payments on time or not, they still call every day (except Sundays/holidays).

by Carmine From Tulsa, OK on July 22, 2009

I never have any trouble with American General. I make my payments like I agreed to in the first place. When I got laid off the optional insurance on my loan took care of my payments. I didn't take the cheap way out in the beginning and actually thought ahead to protect myself. If more people would use their heads there would be far less crybabys here blaming their problems on somebody else.

by Anonymous From Ojai, CA on July 22, 2009

Took out a 3000 personal loan 3 1/2 years ago. I make all my payments and usually more then the min. 3 1/2 years later my balance is $2765. This company is a rip off, do not deal with them, you will be paying off a loan for years longer then anywhere else. They tricked me once with the customer appreciation no payment thing during Nov and Dec. I knew the interest since accrued. Come end of december they are calling me like crazy saying I didn't pay my bill. I still had the message from one of there representives saying it was customer appreciate month. That didn't seem to matter. I paid 500 when they said I was late, (two months of payments), my payments are normally 125 a month. Come to find out, out of that 500, they applied $2 dollars to my loan. Scam artist.

by Anonymous From Woodbridge, VA on July 19, 2009

Poor They refused to escrow in my taxes and homeowners insurance which, in effect, set me up to fail after any changes such as a pay cut.

by Anonymous From Monterey, TN on July 11, 2009

I have had several loans with them (pd off early everytime) however now that I am laid off from work, they seem to not want to work with me. I went in the local branch the day I got laid off and explained my situation to them and they could have cared less (unlike some other loan places that I did the same thing with) I have made payments (grant it not on time and not the full amount) but at least I am trying! I've told them I have no physical address, just a PO box and I have no phone. Everytime I send a payment I write a note with it explaining when I expect to make another payment and my intentions. I call my mom the other day to check on her and she gives me two numbers that are calling her to find out my "physical address" I call the numbers and it is a repo agency wanting to get my Jeep...the gentleman I spoke with said that AGF has not heard from me and had no way to get a hold of me (I'm two months behind counting July) If the repo place could get a hold of me through the number the AGF gave them then why couldn't AGF get a hold of me?? The last letter I got from AGF was dated June 26, 2009 and nothing was mentioned about a repossession, only what I needed to pay by July 3rd to make the balance current. I would love for them to work with me so I can keep my Jeep, but it's looking more and more like they are not willing to do this. And this is part of the same company that got all that money and bought a jet???

by Anonymous From Ocala, FL on July 10, 2009

by Anonymous From Columbus, IN on June 26, 2009

Ha, your all crazy, I don't have any loans that say if I get divorced or someone dies I don't have to pay. Does anyone else?? If so please let me know where you got that loan, I want one.

by R SCOTT PIERCE From Hattiesburg, MS on June 26, 2009

I think this place is great. Thanks Nikki and Heath for working with me the last few months on my account. Your the best. I know if I have future problems I just need to stick to our agreement.

by MKA in PA From Morrisville, PA on June 09, 2009

I applied for a credit card through a local furniture store. 12 months no interest I understood the terms and that I would be charged the 1 year interest if not paid off prior to the 1 year date. Needless to say, like a lot of people.. I lost my well paying job to a not so well paying job. Divorce, illness - primary custody of the kids to the ex for that and a $1600 a month child support bill. All after I applied for the card. I just make my mortgage payment - thankfully with Wells Fargo... and I am going to short sell my house, which they permit this month so I can rent and save some money to pay off my debt. I have very large credit card debt.. paid for the divorce and the lawyers fee... needless to say. This card has the lowest balance. Purchase price of $5900. I am now up to $8000.. was one month late and have only been able to pay 90% of the min. payment.. but they are the only one I am paying right now as I am looking into Chapter 13. Anyway.. they called my previous employers, my ex, my ex in-laws, my elderly neighbor.. who is in very poor health and they told her it was urgent that I was going to have to go to court.. my current employer *which the dumb dumbs faxed an income verification form to - illegal to do without authorization... and I never provided them with the company name or fax number.. and my cell - at all hours of the day. 6:00 am to 11:00 pm. which I belive is illegal since you can only telemarket from 9 am to 8 pm. I have been paying the amount they told me that I could to bring me current.. then another woman called me and told me that I needed to pay $1800 to bring the account current or they were going to place a lien on my home. I explained they have my checking account information and I am doing what they said. She upped the monthly payment and told me that would cease the interest Accrual and no more interest or fees would be charged.. I would just have to sign an agreement. Was served by the police in front of my two small children to appear in court. I called and they said they were not aware of PA policy and that if I do not go to court they will enter my verbal agreement as a binding agreement for 8% interest for the life of the loan... however they can not tell me how long the loan will be and if I am late or do not pay they will place a lien against my property.. which again, I believe is illegal in PA. At this point... since I am short selling the house and downgrading I do not need the furniture.. the first phone call they told me they would pick up the furniture and close the loan. I am going to appear in court on 6/19/08 and offer the furniture back as full payment. And also print out this website along with that of the BBB to show the judge... I will let you know how it goes.. FINGERS CROSSED... PLEASE!!!

by wouldn't you like to know From Evansville, IN on June 08, 2009

Many of the people on this site have mentioned suing AGF...I say go ahead and try you signed a contract, whether you like it or not it is legally binding, threaten to sue AGF...in fact tell them you will sue them because they will sue you right back and they will win...also to the person who claimed they were never told of def finance charges until they were billed...you are an outright liar the amount of finance charges were on every statement ***in large print*** idiots all of you....

by bob From Evansville, IN on June 08, 2009

This website is ridiculous AGF has millions of customers 200 some odd complaints is nothing.pay your bills

by Anonymous From Grenada, MS on June 03, 2009

They wouldn't do a modification loan and they wouldn't give us the interest rate that President Obama had stated. They never gave us anything in writing about anything except for the foreclousure paper on 6-03-09. My huband spoke with one of the representative today and he told us that they really didn't want our house, but they still are not willing to negoiate with us. we don't want to lose our home. The representative said that the district manager is the one that doesn't want to help. Please help us. we got behind because my husband is laid off his job and he tried to reason with the representative and he told him since he was laid off it wasn't anything that he could do. This is when we contacted The elect group and they said that they tried to reason with him and he told us that elect group had no bearing on American General concerning a modification loan.

by Tanya From Janesville, WI on May 27, 2009

I have dealt with American General in the past. I have to agree their business practices are well below par. The easy application process and same day approvals appeal to the impatient. I would be embarrassed to call myself an employee of AGF. Pond scum! Right up ther with telemarketing. It is worth the wait to apply with a local credit union. Save you a lot of money in the long run.

by Anonymous From South Bend, IN on May 27, 2009

This is an awful company. The manager is nice enough but just as someone stated we owe more than we financed and have had the mortgage for over two years and kept it to avoid early payoff penalties. We called to see if they would do mortgage modification and they indicated that they weren't doing anything like that. Why don't they have to do it?

by Anonymous From Hartford, WI on May 15, 2009

I have had American General and this company has only caused me to get upset! I have a 2nd mortgage with them and was doing fine the last 2 years on my loan. Now with the economy my husband has been laid off and we have fallen behind on our payments. I called American General and told them what's happening with us and asked for a lower interest rate and they declined! They said NO. Now they harass me everyday for a payment. I told them if they would help me with a lower payment we would definitely pay them. This company is ridiculous! I wish I never got involved with them! I don't know what to do because I am afraid they can foreclose on my home. I only owe them $11,000. Why won't they just lower my payment so they get their money? I don't understand why they are so greedy!! AIG is so greedy!

by Alan R. DiCicco From Golden Valley, AZ on May 10, 2009

After many months of very stressful negotiations, I am pleased to report that AGF/AIG and I have settled our differences. Do not give up!

by very upset From Lincoln, NE on May 03, 2009

My son went to basic training and while he was away. American General tried to impose their insurance on his vehicles even though he carried coverage and when I called their hot line number to complain I was told that the local company can do what they wanted to even though he already carried coverage. I had to speak to the local office several times and was constantly put off. I had faxed his insurance papers to them and they still would not do anything. I had to get our insurance company involved before they would remove it and then they tried to tack it on to his loan thinking we would not notice this. Then they went and offered him this so called customer appreciation where you skip a payment for Christmas, but be where they hike your interest rate along with your payment. Then if his payments are not made by the first of every month even though he is not behind they stalk him. I can not see how a company that is so cut throat can be so miss managed. If you get involved with this company beware you are dealing with the devil. Run!!

by Anonymous From Lexington, NC on April 19, 2009

i have tried for help and american general won't help us. all i want to do is keep my home. if i don't get any help i am afraid i will have to walk away from the house and just leave it empty

by KyGirl From Prospect, KY on April 03, 2009

Both my lenders approved a short sell. AmGen will only except 12k as payment on 16k. I have paid off the balance one time (20k). You would think that would be in my favor. I owe 16k and they wil only take 12k is absurd. If there is a buyer who will relive me of this dilemma it will take longer because AmGen has said they will not release the lien unless they get what they want. I think the Obama administration should do a deep dive into AIG subs to see how crooked they are as well! No matter how desparate you are DO NOT EVER GO NEAR THIS COMPANY!

by Dennis Smith From Frostburg, MD on April 03, 2009

Have a problem with American General Finance Please contact Jessi Joseph CNN Special Investigations Unit Office: 404-827-3935 Cell: 404-574-0292

by Lisa From Martinsburg, WV on March 30, 2009

I have fallen behind on payments due to the economic situation we have currently going on and I have been working side jobs (cleaning) to get my bills paid, but American General is horrible, I have told them not contact me at work, as I am not to receive phone calls and they still do, not only calling my phone but other employees phones looking for me. This company is ridiculous.. I am furious with their service and will never go back to them for a dime. They are so worried about getting a payment into their office to they to any length to do it.

by marianna From Palestine, TX on March 28, 2009

brought a car finance through american general for 5 year last months coming up yet i have a balance thats will take me another 3 years to pay off iam filing a complaint with the attorney general office because i need help with this

by Alan DiCicco From Golden Valley, AZ on March 26, 2009

If they would treat all as they would like to be treated and do so publicly, they might have a nice return from people. Greed is not good. be nice...be nice.

by Anonymous From Ackerman, MS on March 24, 2009

by margherita chiarello From Staten Island, NY on March 19, 2009

I've been dealing with this piece of garbage lender for the last l8 motnhs and I have had nothing but emotional and physical stress and aggravation they come across promising that they will work with you as long as you make your payments and if once you come across financial hardship and struggle they completely deceive you and lie that whatever they promised you or discussed with you was untrue. For the last six months of have been trying to get out of default with them on my mortgage payments and back in November 2008 they promised me that if I would continue to bring in whatever I could to bring my mortgage current when President Obama would pass the bill to help homeowners from foreclosure they would modify my mortgage for a 12 month period starting April 2009 at a lower interest rate so that I can have affordable monthly payments to avoid foreclosure. I was there on Tudsday March 17th with a payment of $850 to make a payment to apply to my January 2009 payment and they harrassed me and accuse me of not keeping up with my end of the deal, when they said that as long as I would try to get out of default with my January and February 2009 by the end of March 2009 they would start to process a modification program for me as of April and at that very moment the Branch Manager came off to me as he was a hit man for the mob and completely changed the entire discussion and commitment and said that they have prepared a foreclosure package for me and the guidelines which have been passed by President Obama does not apply to their company. They are nothing but a piece of shit and I honestly feel that a class action fromt he government should be proposed against this entity, they are causing people to become physical sick and mentally unstable. Please try to help us in doing something against this people. They are a bunch of rackateers. They definitely need to be investigated. Thank you I hope this message somehow gets through to our government officials to shut them down. by Anonymous From Staten Island, NY on March 19,2009

by Anonymous From Ackerman, MS on March 14, 2009

by cats From Bellefontaine, OH on March 14, 2009

we refinanced with american general one ago we have gotten behind on our loan too. we paid off our first morgtage so we thougt now we find out that we still owe 4000.00 to the first company and american does not have our deed. so who in hell is our home with.and yes we are behind now and we are getting phone calls every day from american general every day and noone will help us.

by Stephen Morris From Webb City, MO on March 11, 2009

We had gotten behind on our payments, so were told if we make 3 payments on time, that they would lower our interest rate. We struggled with all of our other bills so our mortgage could be on time, and when we went to the office, they stated they could not lower our interest due to a change of loan to value rates mandated by the government?!

by bobby smith From Arlington, TX on March 09, 2009

by Jean From Buckeye, AZ on February 27, 2009

What a HORRID company to deal with initially....we were told we HAD to pay our mortgage in person at the office every month - we really felt this was because the local office catered mostly to a hispanic population that they were RIPPING OFF....we had no idea there was a prepayment penalty on our new mortgage, until after the papers were signed....:::sigh:::be that as it may, the local office was closed (BAD BAD MANAGER!), and opened up elsewhere with new management - I used a HUD letter form to ask for a modification of our mortgage, faxed it to the local office, they called me the next day, and modified the mortgage a few days after that. This all happend in January 2009. So, they have redeemed themselves by lowering my interest rate, and making a few other concessions. I'm happy to be able to stay in my home (I became disabled shortly after taking out the mortgage). I'll give them *3* stars for recent efforts!!

by miseryrelief From Medina, OH on February 24, 2009

I cant pay my bill! They suckerd me. I bought a house that i lied to myself thinking i deserved it. It was only $350k and i make $25k a year. So what i didnt read the print of the loan. I deserve it...An d I wanted it now..why save for a down payment or take time to build my credit rating. I want it now!!!! Its their fault for loaning the money. Its their fault for my greed and instant gratification syndrome. Its not my fault I signed the loan application or didnt read it. They stamp the word approve in big letters and it distracted me. You know what its everybodys fault but my own...now where is that instant lotto tickect?..that will solve all my problems....

by annoymous From Hemet, CA on February 20, 2009

american general is the worst company to deal with!!!!!!!!

by Anonymous From Lincoln, NE on February 19, 2009

Does everyone forget that AGFS was there when they needed the $$?? YOU signed a contract, YOU owe the $. Quit crying and pay your bills and quit looking to blame someone else!

by Anonymous From Boonville, NC on February 19, 2009

I am trying to get a loan modification thnru them and they have not helped me in any way. I am going to go as far as I can, and give them as much grief as they give me.

by anoymos From Marble, NC on February 17, 2009

i have to say in our office in murphy n.c. the manager is don and he is a wonderful man to deal with i wished all of the offices was like this.

by Anonymous From Downs, IL on January 27, 2009

by Anonymous From Saint Cloud, FL on January 26, 2009

dont do bussiness with them

by Anonymous From Dunbar, PA on January 04, 2009

Anerican General Finance was not much help or willing to work with us.

by Victim of Predatory Lending From Whiteville, NC on January 04, 2009

Anyone that wants to start a classaction lawsuit against american general for predatory lending practices, you can start one at www.topclassactions.com If we can all pull together on this classaction lawsuit, then maybe they will be forced to stop their unfair lending practices, such as predatory lending. I am a victim of 'predatory lending' by AIG, and I urge everone to stay away from them!!! DON'T DO BUSINESS WITH THEM, they will set you up into a trap!!!

by IceBlock D From Kingman, AZ on December 31, 2008

They should not get a nickel from the taxpayers or FRB until they reduce all consumer loans and mortgaes to 4%. Otherwise it is a big flim flam sham from the man!!

by IceBlock D From Kingman, AZ on December 31, 2008

AIG aka AGF should pass on what they get to their borrowers; lower loan interest rates to low single digits for ALL mortgaes and all loans, then carry your hat in your hand to the FRB and American Taxpayers!!

by Anonymous From Ackerman, MS on December 29, 2008

won't even listen I am trying to pay I just can't afford what they want right now could if they would lower the rate

by Alan R. DiCicco From Golden Valley, AZ on December 22, 2008

On Sunday December 21, 2008, my fence was served a NOTICE OF TRUSTEE SALE by Scottsdale Arizona Douglas Drury, Esq. who represents AIG a.k.a American General Finance. Although I am in compliance with the forebearance agreement, they did this, in my opinion, to harass me. It caused me to experience elevated blood pressure to 167/96. I have 14 disabilities, including heart damage. This is how this company treats people. The way I see it is the Federal Reserve Bank loaned them $150 billion to help this corporationa steal peoples homes in the midst of an upcoming depression. For some truth, listen to Alex Jones, www.infowars.com The propoganda from our governemnt and television have brainwashed the masses. "I am mad as hell and I am not going to take it anymore!"

by Anonymous From Parkville, MD on December 11, 2008

American General Finance Complaints - predatory lending Review all American General Finance complaints American General Finance Posted: 2008-12-11 by former AGF employee predatory lending Complaint Rating: Company information: American General Finance 1157 Merritt Blvd Dundalk, Md 21222 Dundalk, Maryland United States Phone: 410-282-9344 loansfast.com consumeradvocate said: Dec 11, 2008 10:05 am 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 …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!

by mike ashton From Pleasant Hill, OH on December 11, 2008

they suckered me into refinancing with them 6 years ago and my balance is only $2000. less now plus they try to foreclose if you are late 30 days.They didn't explain things and even flat out lied to me to get me refinanced with them.Anybody that thinks A.G. is a good co. is brain dead.

by Anonymous From Naperville, IL on December 10, 2008

HAD A ZERO PERCENT FOR 12 MONTH LOAN. SET UP ELECTRONIC PAYMENT FROM SAVINGS ON THEIR FORM BUT PAYMENT WAS SUPPOSEDLY REJECTED. WAS TOLD THEY DO NOT ACCEPT PAYMENTS FROM SAVINGS ACCOUNTS. THEN WHY IS THAT AN OPTION ON THEIR FORM? THEY ALSO NEVER NOTIFIED ME OF THE REJECTED PAYMENT. I PAID OFF THE ENTIRE BALANCE TODAY AND WILL NEVER TO BUSINESS WITH THEM AGAIN. THEIR CUSTOMER SERVICE PEOPLE ARE ILL-INFORMED AND RUDE AND THE NATURE OF THEIR BUSINESS IS SUSPECT.

by sucked dry by AIG/AGF From Golden Valley, AZ on December 04, 2008

I heard they are going to be forced to have all mortgages to 4.5%. That will stimulate the economy, keep us in our homes, and set a precedent for what ALL mortgage companies could do to help America instead of the minority greedy heads of corps. We the People neeed to revolt corporate tyranny. January 2009 should be dont pay your mortgage month for all of the USA.

by Anonymous From Quincy, IL on November 22, 2008

had a short term no interest loan for some exercise equiptment. Payment by certified check in full got there 1 day late. In the meantime I had been calling to check for payment receipt and told customer rep of my situation and asked for a 2 day extension on the due date which was refused. They billed me for the entire interest amount. Called them to discuss the issue. Was told by customer service that only half could be written off if I sent full payment of half of the interest within 10 days, I asked to appeal to a supervisor. Was refused any other reduction. The customer service rep then had the audacity to ask if they could help with lending in any other way. Are you kidding? You've just lost a customer over $400 for being late with a fully paid loan by one day!

by Anonymous From Athens, OH on November 16, 2008

Loans are "steamrollered"..manytimes all the terms are not explained up front but glossed over at loan closings. Some of the Insurance products are very high priced and added into the loan which means they are financed at high interest rates making them even more expensive. Employees receive a very small commission for adding these products to the loan. Loan officers are not loan officers (not licensed by the state). Employees are trained by company to process the loans. Training is very poor...If you are 10 days late the calls start and they are excessive. They will drive to your house & call the place of employment.

by jim From Cincinnati, OH on November 05, 2008

you all are 'f' ing idots....just pay your bills and you wouldn't have a problem

by Tampa, FL From Tampa, FL on November 05, 2008

American Genereal is the worst place to get a loan. They are rude and never return your calls. I finally started faxing them letters saying what I want to tell them. Also this way I have a record of what's going on... I'm doing a loan modification with my first mortgage through Citi Residential Lending and I wanted to add the American General Loan to my first mortgage but Citi Residential doesnt do that. Does anyone know if American General received money from the goverment re: the bail out plan? If so, we arent they working with us?

by Anonymous From Greenville, MS on October 23, 2008

american general is a rip off.

by Anonymous From Athens, GA on October 21, 2008

For those of you who don't know you can not pay online.

by growuppeople From New Iberia, LA on October 16, 2008

OKay, It's simple, on mortgage's, most of the time you have points, pre paid finance charges, you pay that first before you begin paying on the principle, so whom ever was complaining they were paing on their mtg for eleven months and the payoff was more than they borrowed, it's because of the points. read your documents! As far as collecting loans. It's a rough job, you're right we don't like havaing to get out, waste our gas and put stupid miles on my car to go and collect a payment because you don't have the courtesy to call and say hey look..., it's not hard, we don't give you a hassle to come make the loan, we expect the same when you repay it! you're there borrowing from AGFS for a reason, so stop complaining about the rates!

by Anonymous From Ocala, FL on October 08, 2008

Their mortgages are a SCAM!

by Anonymous From Leland, NC on October 01, 2008

If you people will pay your bills you would not have a problem. It's not just AGF that demands payments on their loans- if anyone knows of a company that gives you money that you dont have to pay back please let me know. I work for a compant similar to agf and am sick of hearing every excuse under the sun then seeing the same customers that do not pay their bills spending money on beer and cigs at the store. Grow up and make finance co emploee's lives easier by not applying for loans if you cant make your payments on time or stay in contact w/ the company.

by Anonymous From Leland, NC on September 30, 2008

by Sherry From Albany, GA on September 26, 2008

We have had a loan with this company for 10 years now that we cannot get paid off because we were not told it was a revolving credit loan. The loan was for 10,000 and 10 years later we still owe 10,000 to them. We have paid them at least 20,000 on this 10,000 loan, we got behind a payment and the collector called my house at 10:36 pm last night after calling my husband's cell phone 4 times over the course of the day while he was at work and could not stop to return her call.

by Anonymous From Hamilton, OH on September 26, 2008

by Tracy From Troutman, NC on September 25, 2008

Took a home loan out with AG 11 months ago @ 11.50%. Paid on time every month, have always paid morgage on time. Just refinanced FHA @ 6%. Keep in mind we borrowed 135,200 from AG last year, we have paid them almost 15K in 11 months. Our payoff is now 138,062, there was no pre-payment penalty and the payoff is higher than what we borrowed. After we pay them the balance in full from our refinance, we will have given them 18K in 11 months!!! So nothing went to principal,how is that possible? Now we as taxpayers are going to bail out AIG. Don't ever borrow money from them, get a FHA loan.

by Anonymous From Bensenville, IL on September 18, 2008

Alot of the people who work there are good people. They are just trying to provide for their families. Maybe if people would actually be a responsible adult and answer the phone, instead of hiding like a child, and make arrangements, they would see they are only doing their job. They DON"T like coming to your house or calling you all the time. Grow up, pay your bills and live within your means.

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.