Springleaf Financial Services (formerly American General Finance)

I had drop off a payment on 12/15/2011 in their drop off box and I had just left my family's Christmas party. Springleaf hired the worst towing company in the world. They towed my truck and didn't give the option to get my kid's Christmas gifts out. They didn't give me a repossession notice until three days later.

The next after they towed my truck, they had it up for auction. They rip my license plates off were I had to buy new one. All of our Christmas gifts were stolen. 3 of my credit card all of my charge personally. I think Springleaf is heartless because they ruin my kid's Christmas. The driver was riding around with my wallet in his vehicle, so unprofessional.

I really hate this company and can't wait to pay them off. I wouldn't recommend a dog to them. A two hundred payment ended up being 1,000 dollars. Wow, this company I really don't have anything good to say. It's been a living nightmare and I still haven't got my items back. You think they care? ** no!

I have used them since I was 18 years old and have had a high credit limit of $5000. When me and my ex husband decided to separate, they were playing both sides, giving him information and harassing me. Remind you that he has never paid any of his loans off and had to charge off his recent account in which he blames me when he refused to pay because he didn't want me to have a motorcycle that was used as collateral, in which he told a representative from the branch it wasn't. They helped him try to take out papers against me so I wouldn't get the bike that was repo because he would sign over the title.

He doesn't pay any of his debts and I do. They would call and threatened to send the police to my job in which I hired a lawyer to settle it. I have a better motorcycle and it was their loss, not mine. They called every place of employment, trying to give me a bad reputation especially Denise at the branch in Shelby! I will no longer deal with them ever again or send anyone to them. They were very unprofessional in the entire ordeal.

I have loan documents stamped paid in full and dated from 3 years ago. Loan is showing past due on my credit report. I'm trying to buy a home and this is screwing me over. My calls were not returned. I'm going to burn their butts with a lawyer.

I do not have any account with you. I paid my account off about two years ago and received my car title back and have since then sold the care. I paid at your Crestwood location in the state of Illinois. Please remove it from my credit report ASAP. I am in the midst of purchasing a home and will not be able to do so because of an error on your part. Please double check your records and you should find that the account was paid. Please reply to my email address at **.net or call me at **. Thank you.

I borrowed 1,500 dollars from Springfield Financial. I got hurt at work and I am unable to make payments. I let them know this. But they call all the time, came to my house and actually they went through my mailbox to check my mail. Several neighbors have seen them. They called my mother who has dementia. One agent called me and told me that there is to be a court hearing in February. Now this is not a problem but then she said I am coming to your home and tag your items. I find this uncalled for because the judge has not made a decision yet. They have called my boss and every member of my family. They talked to my neighbors and have actually beaten on the main door with their fists. I have not been home because of my injury. These people keep harassing me and I want it stopped. I am not disputing the loan but they are breaking the law.

I got behind on my payment and after receiving calls night and day, and weekly visits from them when they showed up at my house demanding a payment before they left, or stating they wanted to go to the bank with me to get their payment, it was awful. I sent them a letter telling them to quit calling, and quit coming to my house. I finally got the money to catch up on my payments. They returned my payments and sent me a letter telling me they wanted payment in full for the loan or they wanted my vehicle.

This company is worse than any horror story I have ever heard about the mob. I have waited for over a month for them to send someone to "break" my legs. No kidding, this company is absolutely relentless, and nasty. They told me that if I couldn't pay my loan in full, that they wanted me to "return my vehicle" to them. They have never had my vehicle in the first place. I used it for collateral because they required it. My vehicle is worth a lot more money than what I owe so they decided they would rather have that than what I owe. There is no way I can come up with $4574.00 in 2 weeks to pay off the loan.

What I want to know is, is this legal, or does it make any difference or not if its legal with Springleaf? I am not going to let them have my car. They can either accept my payment or stick it.

I got a loan through Springleaf Financial in March 2011. The loan was for $2000.00 to purchase a car for my 17-year-old daughter. Springleaf said that this will be a car loan, so they kept the title to the car. Also, I got $700.00 to do repairs on my car, which they required me to put my title up for collateral. Four days later the car stopped working, I called them to see if there was anything that I could do, they said no. I asked to help with the repairs of the car I got, and they said no again.

I purchased the car from a private owner, so the lemon law doesn't apply. So now I'm two months behind on my payment totaling $280, and they just had the repo man pick up both of my cars. I got a statement dated 12/5/10 stating that I owe $286, plus the $140 this month due on 12/20/11. I called Springleaf to ask them how much would it take to get my car back. They said that I will have to pay the entire loan in full $4000. I come to find out the money that I owe for both cars was less that what they paid the repo man for each car, $275.00 each.

This company assumed collection of a judgment won against us by American General. I paid their full claim on a loan with a usurious (under Illinois State Law) interest rate of 18%. They have held on to the final principle payment check of over $5000 and have refused to take it to the bank! They demand we declare our assets.

My husband and I got a $1,500.00 loan from them on December 9 2011. After putting a 50' plasma TV, 42'plasma, and 2 32'plasma TVs up for collateral, they still wanted a title to my vehicle (98 Dodge Caravan). On the loan application, it stated, after I pay my timely payments of $81.42 for two years, I would've paid them $1,952.64. So I paid $82.00 on it from 1-9-11 to 9-9-11, 10-9-11 $100.00, and then as my luck would have it, my 17 year old son totaled my only means of transportation on 11-29-11 (98 Dodge Caravan). I called Springleaf to let them know I need the title for the insurance company, and I was asked how much I am getting for the van , because I owe $1,015.00 on the loan.

I told them I was getting $1,915.00, minus my $1,000.00 deductible. Then I asked why? She said that the money was going to personal loan. I nearly died. Then a couple days later, I get the letter from the insurance company, saying my claim is complete. I called Springleaf and told them I'll see them November 9, 2012 for my $18.00 payment, and then my last payment on the application is December 9, 2012 in the amount of $82.00 (since I owed $1015.00 and they got $915.00 I only owe them $100.00). Well I got a call yesterday asking when I was coming with my payment. I said I'll see them on November 9, 2012 with my $18.00 payment, and my last one will be in December of $82.00, since I just paid it up till then, with that hefty down-payment from the insurance company.

She laughed at me and said that's not how it works, and you still owe $215.00 and I couldn't remember the change she said, because I hung up on her. So I got to thinking, in all reality that loan should've been paid in full, since I paid it off a year early, and I thought they can't charge you the full interest. Well, I guess I was wrong. $915.00 from the insurance company, $82.00 x 9 months=$738.00 + $100.00=$1753.00, then if we add what she said I still owe on it, it's $1963.00. So I'm getting charged even more in interest. I called them today, and said you people owe me money, and I'm not paying. Also said I was going to turn them into the Attorney General's Office. So my question is, can they legally charge me 2012 interest?

I was three months behind on my loan. I received a final notice at which time I contacted Springleaf. I made arrangements to pay 2 months by 11/30/11. Once I did this, they would bring my account current moving one payment to the back. I made the first payment on 11/17/11 and the second on 11/30/11. On 12/6/11, I received a call from Springleaf at 4:22 pm demanding that I contact them by 5:00 pm. I reviewed my account and found that the check had been returned. I contacted Springleaf and explained that I had funds sitting in savings and didn't understand why it was returned. I explained that I would take out the cash and pay it at the branch as well as bring my statements to show that I had the funds.

On 12/7/11, I took out the money and did as I said I would, only to find out on 12/8/11 that they had run the check through again on 12/6/11. Although I have overdraft protection, I have incurred fees of $90.00 and overpaid my loan. I contacted the branch with regards to this. They stated that the reason they called was to set up the payment for 12/11 and that they had no knowledge of the check being returned. Springleaf never stated the reason for their call nor did they state that my account was not reflecting an NSF. However, when I made my payment on 12/7/11, the receipt I received shows a charge for $40.00 for NSF. At this point, they are not willing to do anything as it was not their fault.

I have paid off my loan with them. When I got the loan, I used my 1987 Ford Bronco as collateral and gave them the title to hold. When I paid off the loan, they did not give me the title. They said that the PA DMV had it. After speaking with the DMV, they said that they (the DMV) would not have it, the financial institution would.

Due to my financial situation, I asked American General if they would let me refinance my loan to a lower payment. They replied no. Due to other financial matters, I took my finances to a consumer credit agency. When AG would not let me lower my payments, I also included them with my other debts with the consumer agency. After a few days, I received court documents saying I had to be in court. I went to court and AG's attorney told the court/judge that they would work with us.

Since that court date (11/2011), I have called AG and they always transfer me to the attorney's office. I have tried to settle our case before the next court date (this December). No one has contacted me. I must be back in court in 2 weeks. I have never said I could not pay. All I wanted was to work with them for lower payments. They never tried to work with me or would hear anything I would try to ask before my court date. They treated me unfairly. Why, I don't know.

I am behind in a payment,problem is Springleaf calls at least 4 times a day at my place of work. I am aware, I am behind. I work in an Emergency Department. I have been told if these calls continue to my work, I may lose my job that I have been at, for 18 years. I have received 11 calls in 4 days. This has to stop. I am trying to catch up, but if I lose my job over these calls, nobody wins. I am at the risk of losing my job because of their calls.

I have had numerous loans with American General, all paid in full. Last time, I took out disability insurance. One time I did not and ended up with colon cancer (14 years ago.) This loan went well until I became disabled form neurosurgery. Every doctor form was filled out by all doctors treating me. My neurosurgeon put indefinite as the return and they would not take it. I then had it filled out by my orthopedic doctor, who would put a date, but sometimes forget and put indefinite. These people, branch manager, held one of the forms and did not fax it into the main office of AIG. They gave me all kinds of trouble and finally paid, but interest accrued daily. By the time the loan was to be paid, there was $1,000.00 left in interest.

I am seeking an attorney, but it is not a big money winning case. The timing belt went out on the vehicle and they don't even want to get it. Springfield has offered a settlement of half, which I do not owe, nor do I have. I have worked in the legal field my whole life career and do not know how they can get away with these illegal activities. They wanted to tell me what my health condition was and to tell me that they had paid a lot on the car already. So had I and I had paid for the insurance as well. Please help. I rate them a 0.

This is my second loan from this company. I recently had a family emergency, and I let the Institute know about this on several occasions. However, they showed up at my house and contacted my Human Resource Department. I have never seen such a desperate company in my life!

I have told everyone I know about this company, and their ways. I would never ever go back to this company again and will be paying this loan off ASAP in full. So they will not receive nearly what they would in interest for the full term! They're a very bad financial institute.

We have gotten behind on our mortgage payments due to economy in our area and with only one income now due to medical reason with my husband. We have asked for them to lower the interest rate and rewrite the loan, which was refused. They said they do not have to, but they claim they are trying to work with us. All they have done is make threatening calls, came to our home, threaten foreclosure and lied to us. We have not been receiving any statements from them, just letters stating they want their payments.

The payment amount always seems to change. We were told by their loan officer to take an insurance from them that would cover the payments if I were laid off. I found out later that for it to benefit us, I would have to be drawing unemployment. I work for a state university and cannot draw unemployment during layoff periods. Recently they received a substantial amount in one payment (which would equal around three years of payments) from a family member on our behalf with the agreement after the beginning of 2012 the rest of the loan will be paid in full. We got called again within a month wanting a payment.

Sara, (branch manager in Mattoon, IL) is telling me that the large payment was strictly a loan reduction payment and has nothing to do with any payments that are due. We are being told that if a payment is not made before December 1, 2011 they will file foreclosure on our home and that the large amount just paid would not make a difference. When I asked her to make a copy of our file, I was told no, it would take a whole ream of paper and she would not do that. We just don't know what to do now. If we could afford an attorney to fight them, we would, but don't really know where to start. We would appreciate any help that you could give us on this matter. We have read many complaints about this company and cannot understand why nothing has been done to them. Thank you.

I have posted on Ms. Dollar mortgage site with lengthy blog a number of times under John **. So not to be redundant, I am only posting excerpts of my earlier complaints. I was solicited via USPS by the contractor Petros ** who advertised his business as a procurer of FHA-TITLE-1 Home Improvement revolving credit loans. Petros took what was supposed to be a draft application for proposed work to be submitted for HUD approval and converted the document to a second mortgage on my home. The work was not completed, 25% of my home was destroyed the contractor never returned. Petros without authority and prohibited by local and state law assigned the fraudulent documents to D&M Financial on the same day. D&M assigned the fraudulent mortgage to American General Finance. AGF did not record the mortgage for 3 years until after D&M obtained a NYS Mortgage Banking License. Google search D&M Financial. Real Life Willie Suttons.

American General Finance has tried to foreclose my home for 8 years. AGF in the process violated Federal Law in their attempt to hide the truth from a Federal Judge by submitting altered documents and lying to the court. It is long overdue that a class action suit be brought before the U.S. Attorney. I am on board. To all of you who have been financially hurt by AGF Please Lets start the petition include your affirmation sign it and send it up the legal chain of authority District Attorney, Department of Consumer Affairs etc. AGF aka Greenleaf is going to pay for the hardship they've inflicted on unsafisfied consumers.

I feel for anyone dealing with American General Springleaf or whatever their name they have changed it to, to hide this week. l pray for anyone who deals with this company. Please anyone who wants to join me in a class action lawsuit, contact me. My name and phone number is on this complaint. I got so messed up by this company. It's not funny. They lie, trick, and deceive you.

l just lost my home to them in my foreclosure. It is the same old story that is repeated over, and over, in all of the complaints. I pray someone will contact me, and join me, and go after this company. l want to do it the legal way. You can't work with this lender. It's impossible. They wont modify your loan, and they don't have, or let you have escrow on your loan. They are the biggest liars, and rip offs, in the world. My story is just added to this long, and never ending list. I hope to be contacted by an attorney.

They gave me a new cure agreement and then changed their minds a few months later. I borrowed money to pay an attorney and have no more money to fight them for changing their mind. They will not return my calls.

This outfit in Everett, Washington has the biggest liar. He lied about the interest rates charged by them, they are not 24% but 30%. He's a real liar like the rest of them in the office. I called them on the phone to find out and they said 24%, but when I get in there, it turns out to be 30% that they charge. Springleaf Financial are liars, cheats, and low life in our books. Stay away from them. They will bend you over at the last minute. They are not to be trusted, check them out on the Web. Lots of people say the same thing.

I have had several loans with AG. Last on a car refinance. I took out disability insurance and had so many doctor's forms sent in to AIG. Some payments were paid but in May of 2009, the office manager did not forward the form to AIG and they would not pay for 5 months. The whole time they were getting other forms. The manager, Michael, came to our house and knew I was on permanent disability. He told me that he did not know if the medical form went through on fax, but he would not send it in again. AIG got him to send it in but in the meantime, the daily interest has added up.

One of the girls at AIG said that they had paid x amount and that was enough. The medical forms were there and the car should have been paid off in November 2009 but instead, we still owe them $1,000 due to the payments not being paid from AIG to American General when they had more than enough medical supporting information. Now, I cannot get the title to my car as I received no benefits and it needs a new timing belt as well. They stated that I was responsible for making the payments if the disability wasn't being paid. With what? I was off work and bought the disability insurance. I need help to get this straightened out, but I don't have money to pay a good lawyer and file court cost. Would someone please give me something to work with? ** in Birmingham, AL.

Do not apply for a loan with them - no matter how desperate you might be! I have had a loan with American General for several years, never late with a payment and most recently (just prior to Springleaf) made 2 large payments toward the loan. Knowing that finance charges still accumulated, I also had a zero balance due when Springleaf took over. Last month, I received a call from my brother indicating Springleaf contacted him looking for me. When I called them back they indicated I was 15 days late on $117, which I promptly paid after screaming at them for calling my brother. This month, they repeated the process - only 10 days after my payment was due! This time, they're calling a co-worker that I used as a personal reference 8 years ago. When called to get my account number - they refused to provide it to me until I let them in on my personal cash flow issues. They claim their intention is to help me, they lie! Their intention is to play dirty and try to embarrass you into paying them. I agree run - run as fast as you can!

The payment on my account is due on the 15th of each month. I got a notice in the mail of intent to repossess our vehicle (used as collateral) on the 12th! I was not even 30 days late, and they already have started filing paperwork as default and intent to repossess! This is unjustifiable!

Last month, we were late. The branch manager (I assumed) called me on the 25th. I informed her that we were going to pay the next day. She then asked if we were going to include the next month's payment with it as well?! That payment, mind you, wasn't due for another 2 1/2 weeks!

Run, do not walk, from doing business with Springfield Financial. They are loan sharks and will constantly harass you regarding your loan. This company should be investigated for the way they do business. Even when you make a payment, they continue to call you on a daily basis to find out when you will be making the next payment.

Springlief repossessed my auto, falsely stating that my account balance was $7,720.00 when it was actually less than $1,500.00. They would phone me 20 times a day when I stopped answering their calls. They chose to take this action with only one payment left. And after they called me in May 2011 and informed me that I was a payment late, I paid them $1,420.00. I was then immediately harassed by phone every day.

I took out a loan. Mistake. We got behind due to job loss and after second month behind, we're threatened to repossess car. But on top of that, they never tell you the amount of past due. Always trying to hide or say there is another $8 owed that cannot be documented. Dishonest, accusatory and strong-arm tactics at work. If you can go anywhere else, do it.

This is the worst mortgage company in the world. They don't escrow, but won't allow you to adjust your mortgage payments so that you can escrow. When I could not pay my taxes, they threatened me with a foreclosure and then decided to pay the taxes for me. However, they tacked it onto my mortgage payments and now, my mortgage is higher. It is a lose-lose situation and I regret the day I joined this company!

Why do these people keep calling me asking me if I need a new TV or furniture and that they can approve me for a loan. I know times are bad but **, soliciting loans?

On 2002, American General assigned a note and mortgage to MorEquity, Inc. On 2003, American General filed a foreclosure on New York. They lost the foreclosure case with prejudice in my favor. After that, American General filed a new case with no standing. They continue harassing myself and my family for over nine years. It is time to stop this criminal now. I called Springleaf Financial. A class action lawsuit will be filed on the Southern District of Indiana before August 24, 2011. For anyone who wants to be a member of this class, email me.

We have a personal loan with our bass boat as collateral. When our 5th wheel camper burned, the boat had some heat damage. Per insurance, we had an estimate done for the repair. The insurance company insisted on putting Spring Leaf on the check since they are holding the title. We have tried to get Spring Leaf to sign off on the check so we can order the parts and fix the boat ourselves. They refuse to do this, stating the work must be complete before they can sign off. We have shown the boat to them and even explained it is still fully functional. It was just heat damage and that we can perform the repairs ourselves. They still won't sign off on the check so we can get the money from it to do the repairs.

We then called to get the "pay off." We were told they could give the account balance but to get payoff, we had to come to the office in person. I called another branch that told me payoffs are given daily by phone. They don't know why we weren't being given the information. I have left four messages for the district manager to call me. In the messages, I have left my work and cell phone numbers letting her know that it is urgent I speak with her about a local branch and my account. She still has not contacted me and it has been over a week! Insurance checks are only good for 60 to 90 days and then you catch heck trying to get them to reissue another check! They are very poor customer in customer relations. I will never deal with them again.

I am also a small business owner and when we have equipment that someone needs to get financed, we have been referring our customers to this branch. Not anymore! We are unable to repair our boat without the money they refuse to sign off on. The damage amounted to $7,715.45. After the insurance made all their calculations, we got a check for $7,170.46. If I had this kind of money to pay and get the check to reimburse, I would not have the blooming boat as collateral for a loan!

Due to cut back and my employer and the cosigner not doing as agreed, I was not able to pay a full payment. When I went into the office to pay, what I had to show, I was trying to pay. I was told that they could not accept partial payments. My mother paid what I did not have. I had told them when I would be in to make another payment, but had an emergency at that time. I called and told them this and they told me to get the payment as soon as I could. I told them I would do what I could. I have received five phone calls from them in the past two days.

I received a letter in the mail dated May 31, 2011 which arrived at my home on June 4, 2011. The letter stated that a theft occurred in Springleaf Edison Branch office during the weekend of May 14 and May 15, 2011. As a result my personal information such as name, address, and social security number was stolen and hence, compromised. The letter gave out numbers for the three major credit bureaus and suggested we monitor our credit banking institutions very closely.

Springleaf should be held accountable for their negligence! Where are their security cameras and burglar alarm systems? I cannot believe that for one minute. a person just waltzed in from the outside and stole all their clients social security numbers. There is a bad apple in their branch office that deliberately stole this sensitive information. Why was the letter not received until two weeks after the theft was discovered? The crooks could have sold my social security number to someone in Thailand!

In 2009, my mortgage loan was modified, but the due date was changed from being on the 1st to the 25th of each month. I was told by the branch manager at time (Tom- American General Finance), that my payment due date would be changed. This was necessary since I'm on social security pension, and my check does not come until on or after the 1st. I never received a late payment notice call nor was it ever reflected on my monthly statement. However, they are reporting that my mortgage payments are late. Since I am a senior, on a fixed income, I looked for cost-saving measures. In doing so, I purchased my own home owner's insurance instead of the one they tied to my loan. State Farm notified them via fax (my policy), but they refuse to acknowledge it. By federal law, they need to honor my policy.

Mr. James ** of Springleaf (Pasadena Office) stopped by my house in person (the same day he received the fax policy copy from State Farm), and left me a copy of my policy with his card on my porch. Since then, he has come by several times to harass me; a neighbor reported to me that he was attempting to enter my back gate (trespassing). Moreover, I receive several harassing phone calls due to this insurance issue on a daily basis from their Rancho Cucamong office. I was told by a lady in their office that if I could not pay my mortgage on time, that maybe I should give up my home.

I had a loan with American General Financial original creditor. It was forwarded to the collections company Midland Credit Management. It was paid in full on date opened November 2004, address ID **.

It is still on my credit under a new name, Springliffin **. I have never had an account with them.

After making 1-1/2 payment (not quite 30 days late), American General Finance (AGF) filed a lawsuit against me. Conveniently, I never received a statement after the judgment. On three different occasions, I was told that my final payment was due in January 2011. I went into the office with cash to make the final payment, and receive the pink slip to my car (which is what Heidi told me to do), only to be told by Adam ** (manager) that the information I was given was misquoted and I still owed $1500+ dollars based on the hand calculations that the office was supposed to be keeping since the judgment.

Now, I am dealing with a wage garnishment that initially was totaling $2300+ dollars. After receiving the paperwork in June 2011, I immediately contacted Adam to discuss the difference in the amount owed again. Adam assured me that it was a mistake again, and that he will fix the issue with the law office. Two weeks later, I went to the office inquiring about the mistake and was told by Minerva (Adam was out to lunch) that the mistake had been fixed, and I now owe them $1900+ dollars. I asked how 1500 turned into 1900, and Minerva said she would have to call the lawyer and she would contact me later. The phone call from Minerva was insulting because she stated that the additional amount resulted from court files (that I had already paid), back interest from May, and a $12 fee for every payment received by check. Minerva also stated that the error was in my favor. I reminded her that the dealing with this company was never in my favor because there seems to always be some kind of mistake in the figures; especially when the lawyer fees were not itemized on the court documents for the wage garnishment, which I feel is misrepresentation of funds.

My Wife & I Filed For BKRPT Ch 7 But we excluded My AMG Account I took forms to AMG To have them sign To Exclude from BKRPT Ch7, I continued to payoff My Loan with AGF Never missed a Payment & I was ahead on payments, Well AGF Posted to al 3 creditors that My account was included In BKRPT Ch 7 & That My loan was also included in BKRPT CH 7

I sent all paper work to 3 credit agencies showed I was still Paying off Loan, BUt They REFUSED to change their reports I went to AGF & also sent letters to AGF Branch offices, But never got any response, I paid off My Loan with AGF 8 months early Got title to My MotorCycle, They stamped My Contract Paid In Full, & As I added Up all My receipts & Money order receipts as well AGF over charged me $590.00 Dollars,

I kept going to Agf Showing them My receipts, They Called police on me said I was threatening thee Office personals a Lie Because I Have tape recording of my encounters with AGf & never was there any Bad words Or threats amde By Me, I allowed thee Police to Hear tape they also said AGF was Lying, agf stopped sending me monthly statements once they got my BKRPT Ch 7 papers, They also tried to credit someone elses account with my payments, But I had Money Order receipts & Copies of Money orders with AGF written as payee, AGF has refused to report my Payment history as all payments were made on time, & early payoff Thee Corporate office has also refused to change Credit report, & REFUND My $590.00 dollars of over payment,

I've been dealing with AFG for sometime and I'm sure they are manipulating my mortgage but can't prove it. More recently I have a 4 year vehicle loan. I started noticing it was going to take me 4 years and 6 month to pay it off. I kept complaining they always came up with one thing or another to be the problem. So yesterday I called to get my balance I was told it was $2733.89 I had 2 checks from hail damage totaling $2149.32, I am paid 4 month in advance so I told them to put it on the principal. My balance should have been $584.57 they told me my bal. was 597.57.

I said that's not right, L was told by Ladonna there is in trust involved something I've heard a lot. I said there is no in trust I just told you to put it on the principal. She said and I quote; whatever and then wrote a new receipt reflecting the correct bal. of $584.57. I'm this is not the first time it's happened just the first time it's been so obvious.

My husband and I got a loan and used our vehicle as collateral. Yes, at one time we became one payment behind. We were dealing with American General Financial. This company would even send one of their employees to our home to get a payment. Three times we gave them cash (bad mistake but I had chicken pox). We both work for a school district and ran into issues as far as district cutbacks. We filed bankruptcy, but we didn't file on the loan and the judge ok'd this and a representative from American General was there in court with us. Well, two times American General moved and we were notified after the fact so our payment that was mailed got returned due to this company not putting in a forwarding address, We received a phone call a month later informing us about their move.

I have checks that have cleared my bank account and they were not credited to our account. Well, I personally received a phone call from a Springleaf Financial stating that this is Springleaf formally American General stating that they had moved, changed their name, and my account number had changed. Now I was notified three weeks after they had moved and changed my account number. Several times I have tried to pay over the phone with my check/debt card or a check and am told I must pay cash and that since we filed bankruptcy that they can't give me any information. Which I have never heard of, since they agreed to the agreement in court. I have had many, many problems--very rude, unprofessional, etc. I decided to find a website for them. I did. Well there is a spot that one can make a payment via the Internet and I did and it was accepted and withdrawn from my bank account. So what they told me over the phone was a bold face lie. I am trying to find a place online where I can file a formal complaint, because they are not doing business right. Our loan will be paid off the beginning of September 2011. I am also trying to find out since when can a company change one's account number without notifying the customer first. I had to stop payment on the payment mailed to them, since it never got to them. Now being called Springleaf Financial. So, if there is any help out their I sure could use help.

I borrowed money from American General for my business. After my business closed, it was difficult to make the full payment amount. I tried to send partial payments, which they assured me there would be no problems. After I would make a payment, they would begin calling me five days later, asking when I was going to make another payment. The manager sent employees to my house for collection and also contacted my elderly parents, who are not parties in this loan. The harassing phone calls would total four or five in one day. After making a payment that was agreed upon, within ten days, I was served with papers to appear in court.

Upon reviewing my payments for 2010, I have discovered that I have paid over $15000 this year in payments. My second mortgage has decreased only $1100. Even with the high (9.9%) interest rate, the interest being charged is far more than required. I also pay $200 over the minimum every month, which means that my principal should have dropped at least $2400. I am only going on payments I have made for 2010. I have had this loan for four years and it is only $2000 less than the original balance of $98,000. At $800 a month, this loan balance should be much lower.

Either the interest is being miscalculated or the payments are being misapplied. Home insurance and taxes are all covered under my first mortgage so none of those things are deducted from my payments. Conversely, my first mortgage (which is for twice as much) has decreased $20,000 over the last three years. I am also disturbed by the fact that loan and account information cannot be viewed online like every other account I have. I like to know when and how much of the payment was applied. When late fees are being applied, often in error and any other unwarranted fees are being assessed. The fact that I can't get full accounting or information on my account without asking one of the clerks is particularly suspicious given the excessively slow pay off.

My mother recently passed away so I inherited 2 insurance policies with myself as the person being insured. I decided to take out a loan on them rather than cash them in and I had to download the forms off of their website. So they needed a copy of my ID, my father's signature (since he's still living and listed as the contingent) and the signature of 3 witnesses. So I sent in that information along with the original copies of the policies. That was a mistake. They said I would receive my check 7-10 business days from the time they received the application. After waiting almost 1 month, I started calling them. The problem I encountered was that I did not have the policy numbers. I tried giving them the information that was used on both policies such as social security numbers, names, address but the agents kept telling me that there were no such policies.

I then asked the agent if they had any type of notes that they make when a person calls their call center. She said they did but nothing with my name on it. The 1st agent I spoke to took down all my information. Even my phone number in case we got disconnected. So I finally called a local office and a lady took my information and was able to locate one of the policy numbers. Armed with that number, I called back and this time, they were able to locate the policy loan application but said they needed a copy of my mother's death certificate. So I sent it to them. After waiting almost 2 more weeks, I called and they said that my father's signature was questionable. His name is Scotty but on the loan application, it was signed Scottie. The 1st is how he signs his name. The 2nd is how it shows up on his birth certificate. I can understand some conflict legally with that but it just seems like after my mother and father paid on these policies for over 20 years that this company does not want to pay the money owed to us.

I finally requested that the policies be sent back and we have now decided to cash them in rather than take out a loan on them and give them any more of our money. I'm now telling anyone who will listen to please avoid this company! Since this has happened, I have found numerous complaints against them. It just seems to me that someone could do something to stop this company from their unfair business. It seems to me like one of these schemes where a person buys into something but the policy is not worth no more than the paper it's written on. If anyone has any information on how to stop these people, please post it!

I had taken out a loan with AGF for about $2,600 and some odd amount. I used the money to consolidate some debt and a previous smaller AGF loan I had. I had bad credit of course, but I was approved with high interest but I needed this money to also move to get out of a bad relationship, so I signed and got my money.

My payments were $110 per month and it was for about 2 years or so. I got my new place and started making the payments. Things started out fine then I started seeing a loss in hours at work. So, I called my AGF office to see if it would be possible to lower the monthly payments seeing I had a loss in income.

They called my work to confirm my story which was true but some weeks I would get my hours it was just unstable income. AGF told me that my loan was to new and that my situation wasn't reason enough for them to make any adjustments. So, I kept coughing up the payments and work got a little slower a couple months later so I called again to see if I could make partial payments and they said I could do that. So, I made half payments to them over the course of 4 or 5 months. Then all of a sudden, I'm getting a collection notice for the amount of the half payments I didn't pay because they agreed on it verbally.

I explained to them that they said I could make the partial payments and nothing else was discussed about the unpaid part. At that time, the manager person got very snarly with me on the phone. He told me that I had to come up with the money or face court judgments or wage garnishments.

We got into a heavy conversation were I felt I was baited into spilling my personal life which really made me feel low. I had to explain that I got paid twice a month my wages and hours and where my money was going.

Basically to my rent and car payments. They encouraged me to seek family or friends to get the money from to pay them and I was on my own really, but I got the money and paid them to shut them up. A few months later, I was behind again with lack of hours at work due the housing fall out. AGF was calling me constantly hounding me "when can you make a payment" I got into an hour long heated scream fest on the phone with the manager. I wound up having to cash my retirement account out to pay up my past due balance to shut them up again. Couple months go by and I was laid off my job without a promise to be back. I kept making the payments and called to see if I could get a lower payment. They told me they couldn't help me because I basically had no income but I was collecting unemployment. Whatever, so 6 months go by and they call me and I talk to them and they inform me I have payment protection insurance. Well, why didn't you ** tell me that 6 months ago moron!

So, they get the papers filed and it back pays me for all that time, so it was like making double payments to my loan. By the time, the insurance ran out my loan was only a couple hundred dollars left on it. I got the money and paid them off.

These people are loan sharks and have no mercy on your soul if they own it. So, I would recommend a bank of some kind to help you. I know this place caters to people with bad credit and approving high risk loans with high interest rates. When you're in a situation they are the ones feeding off it. However, no one forced me in there and made me sign the loan papers. I learned a valuable lesson about loan companies.

I signed up for a $550,000 Life Insurance with General American on August 4, 1989 in Pittsburgh, PA. The Premium was set to $405 per month. This premium amount has not changed in over 20 years. In 2002 after I moved to Florida, I borrowed $30,000 and was told it would be deducted from my Face value which at that time was well above $40,000.

For some reason, I have been charged interest on this loan and earlier attempts to inquire about this has only resulted in them telling me they did lend me the money and I therefore have to pay the interest on it. Over the years since 2002, the interest has been added to my loan amount. Meanwhile the cash value has also increased but because GenAmerica has charged the interest to my outstanding loan, the loan has now increased to a point where it is almost the same as the cash value. At the same time I just received a statement in October this year that my premium abruptly has to increase from $405 per month to over $1000 per month.

As I have paid the monthly premium via a recurring bank draft, the difference between the old and new premiums has been accumulated and I just got a payment notice for over $3000 due in 4 days or my insurance will be canceled. To add to injury, I have today spent over 2 hours trying to get either an explanation of how the policy works and why the large increases in the premium as well as the situation with my loan. Most of the time is spent waiting while listening to the message, "Your call is important to us and you can log-in to our website to inquire about the status of your insurance". Eager to get a good overview of my statements, policy, etc., I hang up and began to log-in to the website www.eservice.metlife.com. I get an error as the log-in procedure does not recognize my policy number.

I called the on-line customer support just to find out that they lack sufficient information on my account and they asked me to contact GenAmerica to get it fixed. I called back to GenAmerica and after another 30 minutes or so, got to talk to a customer service representative that is unable to help with this problem. She suggested that I contact my insurance agent and gave me the number. I contacted the agent and he informed me that he did not sell me the insurance and have nothing to do with it and proceeded to suggest that I call GenAmerica. It is interesting in this case that the agent who is listed by GenAmerica as the agent for them, has no interest to review my insurance, neither have they made a single attempt to contact me over the years to discuss any options or review my policy.

We all know that General American who has been in legal troubles earlier years now is part of the MetLife Group. It seems like the troubles are not over. And last, but not the least, the calls to MetLife GenAmerica division is certainly not important to them. I have called several times just to find myself in an endless waiting line. They are an ignorant company with no regard for customer service. On a final note, I don't know if anyone can offer help or suggestions but can someone tell me how Insurance agencies work. Do they get commission or continuing income on Life Insurances they have sold? In other words, doed the agency make money on my insurance while it is in effect?

On 11/27/2010 a representative of American General Finance showed up at our residence to collect cash payment on our truck loan. My wife had left a message for her almost two weeks ago to let American General Finance know that her employer's paycheck bounced and that we would not have any money for payment until most likely the first week of December. My wife is also still waiting on re-issue of the bounced paycheck. I find it quite dishonest when a creditor shows up at our home to collect cash payment and accuse us of not calling or answering calls (our v-mail or incoming call records show no calls from AGF).

This is extremely unprofessional and should be considered a threat when someone says verbally they will pursue legal action and have our vehicles repossessed without a legal notice in the mail. On top of that, how do we know she was not trying to scam us? This seems to be a gross violation of right to privacy and due process. We are facing possible repossession of vehicles and legal action. Also, since we have a co-signer, their credit could be ruined.

1. mail the documents to my co-signer, 2. my co-signer can go to a different branch in his city and sign the necessary documents. The lady did not agree and said the only option I have is to come to this branch with my co-signer. I find this extremely ridiculous. They could have worked on it with me and facilitated the process but it seemed they are very arrogant. The way the lady was talking it was as if she was doing a huge favor to me! I ended up not getting the car because of her.

My wife and I applied for a loan modification with American General Finance. Marianne, the office manager, requested for several documents and when we got the documents together, I mailed them to her. She asked for pay check stubs again, then she asked for my bank statement again. Before I could get another one, she said it was too late.

She then made a statement that I should just sign my house over to her now because she is going to start foreclosure proceedings and she will take our home. She is very rude and talks to me and my wife as if we were beneath her. My wife won't talk to her anymore and I always regret answering their calls. We are in a difficult financial situation, but we are making every effort possible to correct this or at least make payments.

I refinanced with American General in 2008. Right after that, I lost my job and lived on unemployment for approximately 6 months. I managed to sell things I owned to continue paying the mortgage. As of Sept of 2010, I have paid over 24 payments less than 30 days late. My interest rate is at 10.25%. I have paid about $190.00 to the principal this year. I cannot afford this mortgage. I have been denied twice by them for a loan modification. I have lost my homeowners insurance. I live with no heat nor air and broken windows that I cannot afford to replace.

I am hungry. My credit score average is only 560 and no one will refinance me even though I have paid on time. If I were able to pay my taxes and insurance, my loan modification according to the Obama program should not be denied. It is more than 31% of my gross income. I am about to let this home that I have had for over 12 years go due to them not working with me. I have to use my income tax each year to pay the taxes due on the property. I'm tired of struggling!

I financed a 24' closed in trailer through this company gave them the title paid it off, at that time they were renovating the office, so all documents were stacked into boxes. Then, they tried to look for my title and couldn't find it to this day and they charge me $15.00 for title search and ask me to go to my local DMV and apply for a lost title. They told me they would also keep looking and it has been 2.5 years now, as an emergence purpose I had to get another loan through them at 29% and gave them the title to my truck and my 40'Fleetwood motor home for $4000.00. Find it to this day and charge me $15.00 for title search at the beginning. Now they are telling me to go to my local DMV and file for lost title.

Yesterday, I called American General to let them know that I wasn't able to make a payment until 11/05 which was due on 10/15/2010. That would put me late by 20 days. It was the 1st payment of the loan and the response from David, an American General employee, was in a rude manner. He told me that I couldn't keep making late payments like this and when I make the payment on the on 11/5, he wanted me to make a payment for 11/15 also. I told him that I can't do that because I had auto insurance to pay as well. So he was angry with me at that point and told me I better have a payment there by the 15th.

When I called I wasn't looking for argument and by the time we were through with our conversation, I felt like crying. I do not deserve to talk down to. I'm not a dead beat! I really wish I hadn't done a loan through them. I can't believe they have a A+ rating with BBB. Sounds a bit fishy to me. They can't keep being so rude like that.

Now, I get the fact that the economy is really tough right now and that people get hurt or become ill but if you owe someone money then you should pay it. American General is not a not for profit company and in order to lend money they have to borrow money. So, if people are not paying their loan payments then they cannot pay theirs. I guess the end result is do not borrow what you cannot pay back! The American General where I do business has always been courteous, pleasant and helpful.

Good afternoon, my name is Audrey **. My question to you is: "Is it legal for a creditor to have my wages garnished when I was told that as long as I am making payments the wage garnishment would not go into effect?"

On June 1, 2009, I was served with a summons (Citation Judicial) stating that I was being sued by American General Financial Services, Inc. I immediately called American General and spoke to Jessie and asked her why I am being served with court papers, when I am currently making the arranged payments she and I agreed upon. Jessie basically told me that, as long as I am making a payment the wage garnishment would not go into effect. I made majority of the payments for the last year until I went on disability, in June of 2010.

I did not make a payment in June and August of 2010, because of financial difficulties. I started payment again when I returned to work in September of 2010. On October 5, 2010, I was served again with court papers stating that my wages will start being garnished. I called Jessie again at American General to ask why my wages would be garnished, and she stated that it was because of the missed payments.

I asked her why she did not tell me this when we spoke on the phone? She stated that I did not keep the agreement that we had made. Jessie then passed me off to the Assistant Manger and he said, that it was because I was not making the agreed upon amount of $150.00 per month (I made payments between $100.00-$150.00 each month; I have record of each payment).

I then explained to him that I was temporarily placed on disability from June 2010 to August 2010. He asked me why I did not file a disability claim policy with them. I told him that I was not informed of that option. Apparently, I have Merit Life policy through American General, which is my disability policy, should I go on disability for any period of time. I asked him, why Jessie did not inform me this option when I told her that I was on disability for 10 weeks. He just said, I did not know why.

I called their Attorney, Michelle, and asked her what I could do about stopping the garnishment. She told me to call the collections department for American General and make arrangements with them. The collection department told me they do not have a record of a case filed against me and to call American General back for further investigation. I called back and spoke to the Assistant Manger again and he stated the same thing to me about the missed payment and not making payments of the agreed upon amount.

I asked him why none of the American General Representatives informed me of wage garnishments if I am unable to make the full payment of$ 150.00 each month. He did not really have an answer to that question; he just said that I did not make full payments as agreed upon. I do admit I owe the debt and would like to pay it off. I would just like to know if it is legal the way this is being handled and if I have the right to dispute this judgment. I find it unfair that I received summons in June of 2009 but did not state a date of appearance in court, so I never went to court for the judgment.

As I stated above, Jessie basically told me that as long as I was making payments, I would be fine. As far as I can see, the judgment against me was still filed even though I was making payments for the past year. What can I do to get this resolved in my favor? Thank you for your time and expertise.

I borrowed $2000 from American General Finance. I had a two-year note on a personal loan. The following week that I borrowed the loan, I gave back $1000. I was told by the loan officer, if you give back $1000 the following week, I would only owe $1000. So, why on a $2000 loan, two-year note and giving back $1000 a week later, why do I still owe $2000?

This is definitely an irrefutable company! First of all, they approved me for a $5000 loan because my credit is very good and my income checked out. When they found out that I was married, they said that they cannot give me now the $5000 because my husband has to apply, which he did; he has great credit, too. But when they saw our taxes, they took away the approval stating that they cannot tell who makes what because it is joint and my husband owns a business. This is far from beyond unfair. I also just found out that they ran my credit on Experian four times which of course lowers the credit score I was so proud of.

Never fall behind on payments, or its constant harassment. I have 2 rental property mortgages with them. The tenants fell months behind, after losing their jobs. My household income has dramatically been decreased, so I was unable to maintain these accounts. I explained this several times a week to Jason, the manager, and Ryan. They constantly call my home and job, many times a day, even after I have explained the situations. I have made payments from my own home mortgage account. I tell them on Monday, I will be in on Friday, and they will call everyday that week. Since then they have threatened, not only foreclosure, but wage garnishment as well.

They have come to my home questioning my wife, they also stake out my house, to see when I get home. It has been a constant nightmare dealing with this company that our tax dollars, has bailed out of their financial issues. They suggested a short sale, which I agreed to, then they changed their offer and once again threatened foreclosure, which at this point, go ahead. In this economy, think before using American General for any financial needs. This started out as an investment to help pay for my children's college.

A continuation to juggle payments to maintain my household, without falling further behind in my personal home obligations, with 2 children attending college, and having many other needs is stressful enough. My home mortgage is behind trying to pay American General. I lost money every month for 1 and 1/2 to 2 years on these house mortgages, with no relief in sight. They have been up for sale for 1 year now, with no offers, after complete rehabilitation.

I got behind on my mortgage payments due to renal failure and forced to retire. The first six months, I was paid by my company, then long term started, but far less than I was getting, so I fell behind. American General said, I had to catch up or face foreclosure. I was less than a payment behind, when they said no more partial payments. They claimed I owed them 4,992.92. I offered them 3,700 they would not accept it. I have now moved to another home that I now rent.

I took out a loan with American General for $5000. Since the economy is so bad, I took a cut in pay and that is where my problems been with this loan shark of a company. I called them and told them I had to set up some sort of lower payment. They made me answer and submit all kinds of information to "prove" that I was making less money. I did all of that for nothing! They didn't adjust my payments, and to make matters worse, I fell behind for almost 3 months and they turned around and served me with legal paperwork to sue me! My intention was never to run away and not pay, I simply needed some help with lower payments. All of the staff at the Glendora, CA branch are scam! Jennifer, America, Crystal and Josh are unprofessional and do not know or care how to treat their "customers" They are rude, argumentative and down right scam!

I ended up getting caught up with my payments, which all had to be made in cash! I tried going online to make a payment but due to the "status" of my account I was not "allowed" to make online or phone payments! How pathetic! In this day and age what bank doesn't allow you to make phone or online payments even if you're behind a few months! So, I made my 3 cash payments and mysteriously the legal action against me was removed! I will never go back and give them any business. Take away message: Never ever go to American General Finance for any type of loan unless you want a lot of heartache and problems! They are loan sharks and scam!

I have an account at American General, in which was not past due. Ben ** had his wife to contact my wife on Facebook and tell her that I needed to contact him about my loan, my wife is not even on the account. He was upset because he did not process the paper work correctly and wanted to try and make me come up there to correct his mistake. He had not done the title work and had posted a $4,000.00 payment to the account the day that I took out the loan. VHe also called my mother Sandra ** and told her every detail about my account and told her that if she did not have me to call him he would start repossession procedures on my account and the account that she has with them. I know all of this because she told me about the conversation.

I was not behind and do not want my business all over Facebook for the world to read. He upset my mother by threatening her her, she thought he could repossess her motor cycle and her car! Your assistance is greatly needed as all of my privacy rights have been violated.

On Monday August 30,2010, the manager Ben ** called me about my son's, (Dusty **) account. He proceed to tell me how much he borrowed, why he was trying to contact him and then proceeded to threaten me that if I did have my son to contact him he would start repossession on both his account and my account that I also have there.

Neither account was even past due. I know mine wasn't and was told by him that my son's wasn't. He was upset about some paper work that he had not processed properly and wanted to threaten my son back into the office. I do not handle my son's affairs nor do I need to know his personal business. I suffer from depression and anxiety, after this conversation. I was upset for 2 days until I found out legally Mr. ** could not carry out his treats if our accounts were not past due. Your assistance in this matter would be greatly appreciated.

I bought furniture with a company that used American General Finance. I called them to payoff my balance and I paid it. Apparently, the person I got the quote from didn't count the amount of interest that was going to asses on my statement cycle so I got like $10 charged in interest. They didn't send me a letter explaining that I was late instead they hit my credit showing that I was late when I asked for a payoff.

I got a hold of Randy, some manager at customer service hell - it is impossible to get anyone to believe you over the phone, they say there are no notes and you call back then someone else says the notes say exactly what I told them. Randy at first seemed nice and said he totally believed my story and was going to send a "correction" to the credit bureaus that would take 2 months.

Working in the financial industry myself I believed his time frame and called it a day. 2 months later, I check my credit report, nothing has changed. Call back and now they will only let me talk to Randy, no one else will help me. I finally get a hold of him and he goes, "Oops", I put in the request but it doesn't look like anyone has processed it."

He said he will process it himself this time and mail me proof that I should have never been late. Oh and I did pay the late fee in full for my $10 in interest, no one told me about because I wanted to be nice and just get it over with. Well, it's 2 months later again and jack has happened again. Now its impossible to get a hold of him. And of course, can anyone guess whether or not I have received a copy of this so called "proof"?!

I am apparently yet another victim of the unscrupulous predator sub-prime lender, American General Financial Services (which is a wholly owned subsidiary of AIG). In the year 2000, we took out an $80K 2nd mortgage loan with AGFS. We have faithfully made payments and have never been late, despite the deceptive practices of AGFS to manipulate predated checks or other tactics to increase interest payments to them. We have begged AGFS for a loan modification due to my job changes and loss of income, specifically requesting that our APR be lowered from the outrageous amount of 12.82%. We went through the Making Home Affordable program to do so.

What AGFS ultimately did was not modify our loan's APR but instead changed our regular monthly payment of $897.35 per month to only $400 per month. But since they did not make any other changes to the APR/etc., this is now only considered a "partial" payment (they consider the $897.35 to still be the actual minimum payment), and thus AGFS is taking our entire payment amount and using toward interest and not principal payments which is our request, except for five cents ($0.05 cents!) for principal payments out of the $400.

We believe that this is an illegal tactic and we want to know who can help us. No other loan company will help with refinancing. We believe AGFS is trying to keep us from ever paying this loan off completely using these deceptive practices and refusing to modify our loan. We are still pleading with them to lower our 12.82% APR; everytime we call, they now say the their "district manager is on disability" and nothing can be done about the APR change until the DM returns. (no specific date on the DM's return, so we could be waiting forever due to this).

We have been dealing with Virginia from AGFS regarding our rejected loan modification request; she was originally the one who came out to look at our home and worked with the Making Home Affordable request. Conversations over the last 2 months with Virginia included her stating that "12.82% was what we agreed to originally in the 2000" despite our current economic situation. After explaining that five cents used toward the principal was unacceptable and a possible crime, Virginia then said she would need their District Manager's approval to consider an APR modification (the same district manager who is unfortunately on disability. No one else is available?) This is the same response from Virginia every time I've called.

Also our account has been switched from AGFS office to office as they apparently are closing offices (our account started in Capitola, then was moved to Los Angeles, then finally switched to the current Fremont CA office). We are being financially raped by AGFS due to their anti-consumer business practices. Our payments to them each month are being used illegally (we suspect) toward interest payments instead of the principle, so its as if we are not paying them at all or will ever get ahead to pay off the balance. Our most realistic expectation is to find out if our payments are being used illegally to pay toward interest VS. principal, to have this nightmarish loan's APR lowered from 12.82% to a more reasonable APR by current standards like around 3 or 4% and to not have AGFS pull some kind of sneaky tactics afterward to have our entire payments again going toward their interest, instead of principal as it should.

Last year 2009, I fell on some hard times. I feel behind on a personal loan with American General Finance. I tried to make payments but I couldn't. In January 2010, a person showed up at my parent's house and served them with subpoena for me. They were rude and imitating to my 73 yr old father. They disclosed that I was behind in payments and needed to show up to court. When my father informed me of this, he further informed me they have been calling him to make sure I go to court. I called Jayne H., and told her how I did not appreciate this, she told me "pay your bills and it won't happen."

I was not in a position to not argue, however, two days prior to the court date, which was 02/10/10, I was called by Jayne where she tells me not to go to court because the case was already heard in their favor. I asked for proof of this court hearing, and have not received anything. Since that time, approximately the $1,400.00 I owed has gone up to $2,655.00.

In an effort to make amends on this loan, today 08/31/2010, I called Jayne and informed her I could start being placed on payments on 09/15/2010. She said, "No, you need to give me some money today!" I told her that I will give her my account number today and start pulling payments out of my account on the 15th, she said, "No, why would I do that when you can't even give me a payment today." I asked her not to be sarcastic, and refrain from belittling my inability to pay, I further told her I did not appreciate there practices and I will file a complaint with someone. She stated, "I'm not worried, You can't even afford an attorney so go right ahead! (laughing)"

I'm tired of this disrespect from a company that is part of AIG that was bailed out by me and every taxpayer. They disclosed to my parents my financial situation, and have threatened to take me to court again. They continue to call me at work where I have asked them not and they use harassing tactics to get their way. I had to write this complaint, while at work. They are affecting my ability function throughout the day without me wondering what they will do next.

After two bouts with cancer, going on disability as a state employee, I waited six years for my Federal disability to finally be approved. Twenty years ago, the state of NC was having a bad financial year and passed a law that if you had not gotten your Federal disability within 3 years that could cut your income per month by the "hypothetical amount they should pay you".

Two weeks before my three years were up, they notified me that my income was being almost cut in half. I was dealing with huge medical bills, new medical problems the cancer kicked off and $ 250 in prescriptions per month. Things kept going from bad to worse and I decided to take out a home equity loan to consolidate some bills. "Sandi kept telling me that this was going to be so great for me because it would lower the amount I was paying out every month." She kept building it up, promising the world. Everyone in the office was so nice and friendly. The day I went in to sign the paperwork, I was blown away by how much my payment would be per month. It was much higher than I had been paying. She said it was because it was only for 20 years (not the 30 I had before) and higher interest than I had been paying.

I made a huge mistake by going ahead and signing for a loan I was probably not even qualified for, but my boyfriend was about to truly have heart attack over the stress of our bills. So I signed. Three months later, he did have a heart attack and was out of work for two months. Then the recession hit and his income was cut by 3/4. He couldn't pay his part on several bills we had together and I started to get further and further behind. In 2009, I applied for a modification to reduce the payments, was denied and later discovered that Sandi had left off many of my monthly bills that would have proved how badly I needed help and should have helped me get approved. I applied again, added in what had been left not submitted before. Suddenly, each time when I went in the office, I would hear the manager Ken yelling and talking nasty to his employees. Sometimes, I would hear him talking on the phone to customers who evidently were behind and he would talk so nasty and aggressively to them. I wasn't in Kansas anymore.

Again Sandi would report to me that the office had called to ask questions which was a good sign that I would get approved this time. That happened about three times and then the word came that I was not approved again. I was paying payments a little late once in awhile but all my other bills were not being paid because I was trying to keep from loosing my house. In February 2010, I had heard about a new Federal program so I went in and asked about that. Sandi acted like she was really ** that I wanted to apply for it. I wondered if my payments went down, did she get paid less?

I was finally approved around the end of April. They took it down around $300 when they brought the interest rate down to 6.5. I was hoping for better and the 4/4.5 that was being done by other lenders. Then they sent me a letter that they were adding $75 per month for life insurance. We were to far down so this didn't help much with the other bills that got behind while we were trying to keep the house out of foreclosure. I started to deal with Shane when he first came to work there the end of 2008 or first of 2009 because I was so upset about all the lies Sandi had told me. He was a great guy, talked nice and was respectful.

Over the past 1/1.5 years, I had more and more problems making payment, and being late. The same things everyone else has been complaining about started happening with me. Calling constantly, stopping by my house, threatening to reposes my car, and telling me I had to make three payments and would not accept a one month payment if a certain date had passed, I would have to bring 2 payments. The week before Memorial Day 2010, I was in bed for 4 days. Ever since the last cancer in 2002, I have good days/weeks and bad days/weeks. My boyfriend came by on Friday around 4:00 pm to take me to get something to eat and hoping just getting me out of the house would make me feel better. When I went in to pay my past due bill the following Tuesday, June 2, when the office opened again, they told me they had called me all week before the holiday and had not gotten an answer then stopped by Friday 4:00 pm - 5:00 pm and no one was home.

I had passed that mystery date and they refused to take my money. I would have to bring back 2 payments before the 16th. Shane said or "They would have to...well you know...." He talked like a very smart Alec. I said "No, I didn't know." What?" He said, "Reposes the car." Then he asked, "Why didn't you pay on the due date?" Then he gives me this smirk little grin, winks and says, "Memorial Day Weekend?" He was accusing me of taking my payment money and going to the beach for the weekend! I was speechless. I told him no, turned around and left. I was so upset, I went to bed and cried for two days. I wrote a letter to him about how much he had changed since he had gotten there and become so much like the manager Ken. I told him how disrespectful his comment about "using my money to go to the beach" was and how I expected an apology. I am 58 years old, he is in his twenties.

Fast forward to July 19. I go in to pay again. He yells hello from his desk in the back and I wouldn't look at him or speak to him! As I got ready to leave I said, " I haven't got your apology as I requested" He said "No and you never will. I don't owe you one." I told him he that did after the way he had accused me of using my payment as beach money. I turned and walked out.

Today I went in to pay again. There was one guy, Dan, I have never worked with but he had called about a payment before; Shane and the manager Ken. The three women who work there were not present. When I entered, Ken and Dan yelled hello. Shane was on the phone and hung up soon after. He never spoke. Dan came up front to ask if I was making a payment and he took the money and walked back toward his desk to print me out a receipt. He showed the money to Shane, who is now Assistant Manager. Shane took the money from him. Then Shane must have punched in the info for a receipt because soon he walked towards the front and pulled the receipt off the printer and walked up to the front desk and handed me the receipt saying in a very sickly sweet tone, "Thank you Ms. ** and you have a nice day." Extremely sarcastic. He turned and began walking toward the back looking at Ken and gave a little cocky smile and shook his head side ways, strutting a little.

I turned and began to walk towards the door when I heard a little smirky laugh from him. There were no other customers in the office. As I reached out to push the door open, I said "**" and walked out. He yelled, "What did you say?" I kept walking to my car. He came flying out of the door out on to the sidewalk in front of the office and yelled "Ms **." I kept walking and tried to ignore him for a second time. Then he yells, " You don't come into my place of business and call me an **. The next time, I'll call the police." We were a feet apart across the drive that goes between the office and the parking lot. I turned and we started arguing. I asked him about the apology he owed me and got the same response I had gotten the previous visit. I told him about how much he had become a ** like Ken when he used to be a good guy.

Something is truly wrong with this company, their philosophy of business and the way they teach their employees to conduct themselves. They do act like loan sharks. They are great while signing with them and as long as you have no problems. When you do have problems, they switch to the nasty, bully and threatening mode.

Why isn't someone doing something about these people? I know a lot of us who go to them don't have the best credit and are in a bad situation at the time, and probably couldn't get a loan anywhere else. We are not all the low life ** they treat us like though.

I am a former employee of American General Finance in Seattle and all of the complaints about this company are correct. Some of my coworkers made up information on the applications, added life insurance without asking, and harassed customers into paying. This company is a predatory lender and needs to be dealt with accordingly.

Giving someone an auto loan at 25 percent interest when they have excellent credit is bordering on criminal. Management is only out to make money, they care nothing about their customers. I attended court proceedings numerous times, and this job made me sick to my stomach. Lying, deceit, cheating, and illegal actions are the norm for American General.I am so glad that I do not work there anymore.

I received some paperwork in the mail stating I had purchased Life Insurance, but that it wasn't required. When I investigated and called, I told Merit Life I had no desire and do not recall purchasing this. They told me it was sold to me when I got my daughter's car loan from American General Insurance. I told her I had Real life insurance with Afl, and State Farm and didn't need any of their cheap life insurance!

I investigated even further and found out they make you sign pwk that you get life insurance ( they don't explain you pay for it and do not have to get it) with their car loans through AGI. I told them I was reporting them both to the BBB, and Merit Life told me that was between myself and AGI.

Now had I been a little 18 year old kid like my daughter, I wouldn't have noticed the fine print. I threatened cxld it and poof like magic was told a check was sent to me for the full refund! Funny how they like to take advantage of the needy or young and naive.Disgusting, absolutely disgusting!

I applied for a loan 1 month ago, I was denied and was told to return in one month and they would be very happy to accommodate me with a loan. I returned on Aug. 13th as they asked me to. I went through the loan process. Now, a credit check was ran one month ago the first time I applied for the loan. This time, another credit check was ran. Again, I was told they would contact me in about an hour with what they could do. An hour and half later, they contacted me and told me that I have been approved for an auto loan in the range of 3000 to 4000 dollars. Find a car that I like to have the dealer fax them the purchase order and they would cut him a check. So the dealer contacted them by phone to verify all the information they advised him. The loan was, in fact, approved and they were finalizing it. This was at 11:00AM Friday morning.

The dealer pulled the vehicle off the line and marked sold on it at 5:30PM Friday. The loan had still not been finalized, they stated that it was in the final approval stages. As soon as it is emailed back to them, they would cut the check. So they closed on Monday morning at 9:30AM, they contacted me and advised me that the loan had been changed from $3100.00, which was what they told the dealer they would approve, to $2000.00. I would have to pay a 4% loan fee and 29.99% interest. That was when I stopped the loan process.

Why was I not told all this information before going through the dealer because had I been told this information, I would have stopped the process right there. These people should not be allowed to do business in any state with what they pulled here. People should contact their state department of finance and complain about their immoral and unethical business tactics.

I paid off the balance on my loan two weeks in advance of the next direct withdrawal from my bank. The balance due was $210.12. The normal withdrawal is $107. After paying the balance, I was contacted for another $2.87 and was told it was for accrued interest. Although my last bill clearly stated balance due of $210.12. If that were not enough, on August 10, 2010, American General withdrew an additional payment of $107 from my account when I had already paid the account off.

I borrowed $3000 from American General Finance in August 2008 to pay for my wedding in October 2008. I had no problems making the $145 monthly payment until November 2008 when my wife lost her job. I missed two payments in March /April 2009, but sent them a payment in May 2009. I didn't hear from AGF until July 2009 when I found out they had turned my account over to a law firm who sued me in small claims court. The law firm refused to talk to me, and I was sued in September 2009.

My wife was still unemployed so I was paying all the bills and was barely making it. The law firm would send me payment to avoid garnishment notices each 2 weeks requesting minimum of $400 every two weeks, which I could not afford. They refused any payment less than the $400, and garnished my disability/ retirement earnings of $2383 on 3 August 2010, and garnished $446 out of my wages on 6 August. I am a retired Sergeant Major with 32 years of honorable service, and a contractor with the National Guard. I have no money to buy insulin I need as I contracted Agent Orange and have Type 2 diabetes from serving in Vietnam. They took $2829 out of my earnings so I had to borrow money from relatives until my hearing in 2 weeks.

When I called the manager, Phil, he said that he didn't know why the law firm filed a bank and a wage garnishment against me.AGF was to give me 5 business days to exempt funds from garnishment, but took the money out in 3 days. The judge signed the order on 15 July; I received the notice on 31 July. The funds were taken on 3 August. This experience has a tremendous negative mental and emotional affect on me as I have no money to pay my bills, including my mortgage, or to buy food. In addition, several checks I wrote received NSF notices totaling over $600. My electric bill was $345, which I could not pay because my money was frozen by the court. The fact that I owed AGF only $2200 and was willing to negotiate, and they would receive $4921 if I didn't appeal is insane. This is my worst nightmare.

I fail behind payments like a lot of other Americans and now they are garnishing my wages. It was $107 per week. Now it's $187 per week because some [talk] about them having to refile papers with the courts for some reason. So now they think they have the right to charge me $80 more a week, somehow thinking I can really afford that especially when I am trying to keep my house from being foreclosed and have a daughter to be born in December, causing over $720 per month to be taken straight out of my check.

I can state time after time after time where American General reps have lied and deceived me and my family. They are incompetent idiots and have the largest turnover of employees of any company that I have ever seen. According to the District Manager in our area, "We terminated the incompetent and scammers at that office." My mother (now deceased) took out several loans with American General in the past. She always got term life or credit life with the loan in the event of her death.

One particular loan she took out was a small loan for a business that she and two of my siblings operate. It was a 10-year loan with term life attached to the loan. She became ill after she took out the loan. She was terminal. In going through all of her paperwork, bills, insurance, etc. before her death, she informed us that she had a loan left at American General but it was secured by life insurance. It would pay it off and to make sure that they didn't try to rip us off. She gave me the folder from American General since I had power of attorney. I didn't look in the folder until after her death because I was not ready to face the reality that she was going to leave us.

A week or so after her passing, I opened the folder only to find the loan paperwork but no insurance forms with it. I went into the local office where this smart ** know-it-all, who had never met my mother nor I had ever met--again complete office employee turnover--informed me that mom never had an insurance with them on any of her loans because she always turned it down. I told him that he was dead wrong because number one, he had never met my mother and number two, I had proof that she had insurance on previous loans and Merit insurance also had proof.

Then, his story changed. She might have had insurance on a couple of loans but not on this one. Then, I demanded to get a copy of her loan agreement. He was an absolute smart aleck about having to make copies and interfere with his busy workday--probably playing a game on the computer. Actually, they never look busy any time I have been in there. I got the paperwork home only to discover that there was life insurance on the loan. He said that there wasn't, but the original loan officer only did a 5-year term instead of a 10-year term on a 10-year loan.

Now, the idiot at American General said yes, she took out the insurance for the loan but only took out 5 years because she didn't want a 10-year term loan. Funny thing was, he wasn't there, and had never met my mother. However, my brother was with my mother when she took out this loan because it was for the business that he shared with her. They were told that the life insurance would cover the debt in the event of my mom's death. My brother asked, "So, if mom dies during the term of this loan, it will be paid in full." "Absolutely," was the scam artist's response.

He convinced her to use her home as collateral on this loan. Her home was completely paid for and appraised for around $150,000. Even Connie at Merit Insurance said that house collateral should never have been used on a loan of this amount. Now, her home is threatened for foreclosure for this minimal loan. I have a 75-year old stepfather living in the home who has serious health issues. They will not hesitate to throw him to the curb. American General says that my brother is incorrect in saying that the loan would be covered in the event of my mom's death. They say that they were told it would be covered during the first 5 years.

What idiot would place a 5-year term insurance loan on a 10-year debt with house collateral attached to the loan. My mother would have never done that. She was adamant about the fact that the loan was secured with insurance. Now, we are faced with foreclosure, a scam artist loan officer at American General that is no longer with the company, an idiot manager that did not know my mother, an idiot District Manager who can't get her facts straight, my deceased mother who cannot stand up for her rights and my brother who was a witness. But American General states that he misunderstood.

American General is full of incompetent scam artists that prey on people that believe at first that they are an honest company. My husband and I have been scammed by them. We have been lied to just as all the other people filing complaints have been lied too. Why is this company still in the practice of ripping off innocent people when we, honest people, are out here trying to make a living in a down trodden economy? They need to be out of business due to illegal business transactions. How many complaints have to be filed against the same company before any action is taken? My family will voice our opinion about American General and let our friends and community know that they will rip you off if you go there. We have hired an attorney.

My contract states I will be charged 33.65% interest, however they are charging about 50% interest. I called to inquire after checking my bill and they said they compute the interest on a daily basis which is why I was billed $66.51 in interest on a payment of $133.43. However, the contract does not state anything about daily charges. The regional manager insists that the $66.51 charge is only 33.65%. Any calculator will dispute that claim. They owe me principal dating back to the beginning of the loan. I have a copy of the contract and invoices and I am willing to present a copy to you upon request. Since they are charging more interest than the contract allows, the loan will cost me significantly more than I agreed to.

I took out a loan from American General Finance, when I took out the loan I took out the insurance because I was due to have surgery on my knee and wasn't sure of how long I'd be out of work. When I was told about the insurance I was told all I had to due was send them a copy of a doctor's note advising of my surgery and how long I was going to be out of work. I was told that I would be able to cancel the insurance at anytime and my payment amount would change and be less. I had paid into the loan for about 6 months before I had surgery.

I called them and advised that I was setup for surgery and I had a doctor's note that I needed to either mail or send to them. I was told then that I had to send them all of my medical records and have my doctor fill out these forms. I was told that I had to be out of work for 30 days and on the 31 day they would pay on my loan. So basically I had to be out of work pay the first month that I was out of work then they'd pick up any payments after that. I've asked them to send me copies of what I've paid year to date and so far I've not gotten it. I wanted to compare what I show as being paid with what they say I've paid. When I asked them about why my loan payment wasn't changing because I had cancelled the insurance they told me why would it.

I explained I was paying the extra because I had taken out the coverage and now that I don't have the coverage I shouldn't still be paying the same. I was told by many reps there that it wasn't there problem as to what the Orange office had set up, they were to kind and that's why that office closed down. I was told that they do things different in New Jersey and I would pay what they tell me to pay. This company is like a loan shark and they aren't nice at all. I would never recommend them to anyone that needed a loan. I told them I don't think I owe them as much money as they claim I do. Madeline advised me several times that I'm wrong for thinking. She then sent me a very small refund of about $90.00 stating that was for the payments I paid insurance but I'm still paying the same exact dollar amount so why send me a refund if my payments are correct?

What happened? LOTS! I like my loan officer initially but then Bridgette began handling my account. I had disability insurance on my loan. I had health problems that prevented me from working beginning in February 2009. They harassed me during the time I submitted the claim until the insurance paid. Bridgette called my sister (listed as a close relative) and told her she was an old friend of mine and wanted to get in contact with me. My sister took her information and passed in on to me. Why Bridgette contacted my sister when the insurance was paying my account is a mystery. Then Bridgette mailed the claim form to my doctors office. I picked this form up in an office on White ST prior to my doctors appointments. The form mailed to my doctors office had Bridgette's handwriting on it. My doctor's office mailed that back to Bridgette's office.

That happened in the beginning of November 2009. In December 2009, I get a letter from a lawyer saying I was behind on the loan. A mystery to me since I knew the insurance claim form was recently submitted. I was told in the letter to pay up or they were going to repossess my motorcycle. HA! What motorcycle? I have no motorcycle! Now in May 2010 I find out that Bridgette did not accept the doctor's claim form for insurance. have contacted my state Attorney General's office and they are helping me. But Bridgette needs to go.

They valued my car beloe blue book for it's condition and when we got more money for an emergency, they again decreased the value on my car and we had to offer more collateral, again well undervalued. They couldn't even give us a value for my husband's show-quality truck as collateral because their system did not go past the 80's, so they only offered a couple thousand for that as collateral.

This has been happening thoughout the time we had our loan and constantly since October. Unfortunately, my husband has not tracked all of the calles but it happens at least once a month.

I took a personal loan out with American General when work got really slow due to the economy. That was the worst thing I ever did! I should have known something was not right when they told me over the phone to think up of some appliances in my home or that i might buy in the future that was equal to 2500.00 dollars for collateral. Since then I feel as if I am dealing with loan sharks or better word would be a financial Mofia.

I fell down a flight of stairs on the job, but I am self employed so worker's comp was out of the question. Well I called an told them what was going on an why I would be late making payments. They understood sent me paperwork for my Dr to fill out an etc. Well I am no on time paying angel things happened. Well I got caught up only to fall behind again several months later. I had the flu, which put me out of work yet again. I regained enough energy to go back to work an told them I am working again I will pay what I can till I get current. Well that was not good enough they showed up at my residence on a Friday evening at 6:00pm to get the pymt that I did not have. Angie told me if I could not pay them by the following monday they was taking me to court. Scared me to pieces so I called family members an got a payment to them on Monday. Like I have stated my work is not steady.

I was out of work in the winter due to no reservations for beach houses. I have searched but there are no jobs out that pay as well as mine when the work is good. Contacted an attorney which in fact told me that they did have a right to come to my house, but if I told them not to come back they would be prosecuted for trespassing.!! So I got current once again to only to endure swelling on my spine an was out of work for about a month. So needless to say I paid what i could. An the only time I would dodge them is when they steady harassed me daily about my payments. If I told Angie on Monday the pymt would be in by Friday they would call on Tuesday!

So Stephanie which is totally the only one in that office that does not act like I stole her money when she calls helped me to refinance. It only helped me with one pymt. Okay well I got fed up with the way Angie & Theresa would talk to me on the phone when I would call them an let them know the status of my next pymt. So I told Angie not to come back to my residence or anyone from that office was not allowed on my property no more! Only to have Angie argue that if I make my pymts on time she won't be back. So I told her regardless if I am late stay away from my property and she continued to tell me to make my pymts an I will not be back.

This went on several times till I finally told her if you or anyone from this office shows back up to my home there will be legal consequences made, an I hung the phone up. Well this is recent I was 2 months behind spoke to Angie once again told her I would make a pymt on 5/28/2010 so by the time I got off work their office was closed an she insisted that I go to the drop box an make the payment that way, told her I would try but if not I would make the 2 pymts I was behind on 6/01/2010. She called on 5/29/2010 to let me know that they had to come in the office an work that Saturday for past due accounts an I was one of them. An that I failed to do what I said an that the only alternative was taking me to court.

So I asked how long are you going to be there an she said they was leaving at 10:00am which was only one hr away there was no possible way that I could have left work in order to get them the pymt. So I asked her what could I do to prevent them from taking me to court ,"she stated that I had to make April,May,& June's pymt." Well I said June is not even here yet why? Her answer to me was cause we have had just about enough of you." So I told her that it would not be a problem. So today I called the New Jersey office just to see what protocol I could take an Juan insisted that as long as I made the 2 back pymts there was no reprecussions an they could not sue me. Okay finally some truth. So I proceeded to a near by AG office to make the past due pymts only for the Leland office to call Whiteville office which in then asked to speak to me an Theresea told me that I was not doing as I stated an they was not trying to be ugly about it but they have tolerated me an my situation. I stated to her that I contacted the New Jersey office only to have her argue that they do not have an office in that state. Look on the back of your billing statement that you send out you will see. She told me I was wrong an continued to be a little hostile on the phone. (Bullies is what they are in that office.)

So anyways I asked her several times if she is refusing pymt at this time which they have did before. She told me I need to follow through with what I say on the phone and told me that June's pymt better be paid before Monday 6/07/2010 or they will have no choice but to take me to court on this matter! I borrowed 2500.00 two years ago an still owe 2000.00. The harassment that I have endured with this has literally made me sick on my stomach. When did it become okay for lender reps to treat you in disregard an threaten to come to your home if payment is not made? When did it become professnial to raise their voice at the borrower and their family members? When has it become legal for the lender to tell your personal references that your late and that they need their money?

I feel I have not run from my obligations an pay what I can when I am behind to get current. I am making an effort to resolve this issue only to be treated like a common criminal everytime I speak to them on the phone. Even the ladies in the Leland office where I made the pymt this morning could not believe what was being said on the phone to me. I am at a point that if I could pay the total amount I WOULD DO IT IN A WHEELBARREL FULL OF PENNIES!

I had to seek professinal help in dealing with depression over this situation. When I do receive phone calls from them I am afraid to answer the phone but I know if I don't they will show up at my home for payment. The threats that they will take me to court keeps me on edge. I am afraid they will send the local sheriff dept. to my house. I don't know what else to do. I can barely make my pymts so I can not afford counsel if they do take me to court.

I asked this company to lower the payments on my second mortgage. This was months ago. I brought in the paperwork I was asked for. They never submitted the paperwork. Now my income has gone down more than $650 a month. I have asked about the Affordable Home Program recently. I am being told answers like "It takes forever, etc. What can I do to get this company to work with me? I might not be able to make my payment next month.

I have a mortgage with this company and I have paid more than my payment every month at least $60.00 more. I was contacted by a male from American General Finance on Wednesday 5/19/10 about a payment. He told me that I did not pay during April 2010 however because I was ahead that I all I needed to pay was $152.86 to be caught up. Today 5/25/10 I drop payment off at this same location around 11:15AM left my check on the ledge of the reception area was asked if I wanted to wait for a receipt my answer was no because I had to get back to work. I walked out, down the sidewalk to my car and a heavy white guy with blond hair comes out pointing at me I pointed at myself to make sure he was referring to me and he shook his head yes he comes to my car and says that I told him would pay a fill amount. I told him I was told I could pay $152.86 and would be caught up and I said that I might pay a payment anyway.

I chose to pay something else instead and paid $150.00 because I couldnt remember the exact amount. He told me no you changing things. I blew up because I have had numerous harrassing calls, coming by my home. I told him I was going to report him. Why would I have to be run down to my car and told I was a lite. I would not have come up with this amount without being told this. And now he is saying he didnt say it. He called me, told me this and now I am the liar. I am now trying to find an attorney in Nash TN to help me with a legal action. I am fed up with their treatment of people. They are loan sharks plain and simple and should be put out of business. There is no recourse because if you dont do they want they threaten to forclose or whatever tactic they decide to use as a threat.

I got a loan for $5000.00 through American General with my vehicle as collateral. I made payments to them every month for 2 years, but fell behind one month due to illness and missing work. I was only $300.00 (one month's payment behind) and I had been making more than the minimum payment to try to catch up on the past due amount. I explained my situation to Nancy, who stated that they would work with me. I was in and out of the hospital for 2 weeks and unable to return the daily and harassing phone calls from Nancy and the manager Randy. They also came to my home on numerous occasions, banging on my door in an intimidating manner.

With only $300.00 behind and a payment of $350.00 already in the mail to them, they repossessed my vehicle. They took a $16,000.00 car because I was $300.00 past due on a loan that ended up being $8,000.00 with interest. I called American General to try to work something out. They were rude and nasty and basically told me that they repossessed my car because I didn't return their phone calls. They refused to accept the past due amount plus next month's payment to return my vehicle.

They told me I would have to pay off the entire balance of over $8,000.00 (due to the high interest rate) and that I only have 7 days to come up with the money before my car is sold. Their goal is to rip people off. If I can't come up with the $8,000 in 7 days (which they know is practically impossible), they get to keep my vehicle and any profit made from the sale. This company is out to rip people off as much as they can. I encourage anyone considering a loan with this company to find another lender. In these hard times they are out to hurt people, not help them. I'm hoping I can come up with this money so they can't profit any more off of my misfortune.

I am being harassed by American General because a friend put me down as a reference. First time they called, they said they wanted me to have my friend call them. It took me several minutes to get out of them, that they were trying to collect on her non payment. I told them never to call me again. Second time, I told her, her company was told not to call me again as I have nothing to do with this loan, I was put down as a reference only and they have no right to call me after I told them not to. I told her, one more call from her company, I will file a police report for using the phone to harass and annoy. Since I know you only need three to file a class action lawsuit, I am interested in other "references" that are being harassed by American General. This practice by American General Finance needs to be stopped!

I've only had one run-around with American General so far. I took out a personal loan in November of 2008, and in January of 2010, I assumed that I was only 2 months behind, which an employee of the Fort Wayne branch was pretty friendly with me (I thought). My December payment must have "vanished" because I made it, but it was nowhere to be found. Long story short, I had used my family vehicle as collateral, and some burly looking homeless guy showed up in dirty jogging pants and a sweatshirt (no lie) and said he was here to pick up my truck. Okay, I called the Fort Wayne branch and was told I had to pay $951 in order to get my truck back.

Eight days later, I called to confirm the total and was told it would be $1231 to get my truck back. Alright, I did it. I got my truck back, but I had to pay storage fees. They stole most of our personal property out of the truck, and I got a cracker jack box receipt that shows just how deceitful they really are. The check that they paid Mr. Homeless Guy to pick up my truck, the written dollar amount on the check was all colored in, just proving to me that they actually paid homeless boy $50 to pick my truck up, not $300. Deceitful business. If I get behind again and they try to repossess it again, they might want to bring a flat bed and a dumpster because the auction lot won't even be able to tell it's a truck. It will be a big pile of scrap metal. They should have the American stripped from their business name because they have no right to use it in their company name.

There is too many to write down here. You would be reading this for years. These people have put us through the mill. To name a few things, my house loan is through them and it has been a nightmare. They have had us postdate checks, made phone calls to everyone we know, been to our house too many times to mention, talked to our kids which are minors. They have called us at work, made threats (like telling us to just sign our house over), downgraded us, telling us why would we pay our gas bill when were not going to have a house to have gas in, telling us to go to payday loans to get money or to sell our stuff to get them their money, telling us we should work to pay our house payment (we both have jobs).

It really got bad last year when my husband lost his job after 17 years. We tried to get them to lower our house payment and they said they couldn't until he got a job. So he got one and they said they had a program through the government to help us and what they really did was just redo my loan. My house payment only went down $15 and my husband's new job only pays him half of what he used to make. That's when they said it wasn't trough the government. It was a formula that they use.

They have do nothing but lie, harass and try to get us to do things we can't do. Please contact me because this is just a few things that they have done and I need to find out how to stop them. I know I owe them money but how they're treating us we don't deserve. They made me feel like I'm dirt beneath their feet. I'm losing my house. We are filing bankruptcy. The only house my kids have ever known and my nerves and stress level cant take much more. Our lives has been turned upside down since my husband lost his job and their conduct is making it worse. I'm scared of the mail man, the phone and being at my own house. I can't even sit in my yard for fear they are going to show up. When they do, it isn't pretty. They make us feel worse. Some of the things they say shouldn't be said even if I owe them money.

In 2007, I lost my job and filed an unemployment claim with American General. You must wait 30 days for the insurance to start to cover the loan payment. The office called me several times over the month to find out why I had not made a payment and I explained that I had lost my job and I would catch up the payments when I could. The office actually sent someone to my home for that one payment and told me they would take me to court for it. I told the person at the door never to come to my home and explained the situation again.

This branch in Lancaster, CA also called me before I lost my job at work several days before the payment was even due to find out when I was going to make a payment. Their billing is always wrong and several times, they have applied the wrong payments to my account and I have to go to the office with my bank statements to straighten it out. Not once have they acknowledged the mistakes or apologized for them.

I started working again in 2008 and lost my job in late 2009 and had to get the unemployment insurance again. My employer filed bankruptcy and was evicted from their offices. There is a form that the Yosemite Insurance wants filled out, my employer is gone from their offices. For three months, I fought with American General about the loss of my job. I took pictures of the eviction notice on the building and sent them to the insurance company and American General.

Basically, I was called a liar and was told that the stubs from the State of California are not proof enough of unemployment. American General calls every few days and I keep telling the insurance needs to pay, why I am paying for this in my loan if they are not going to cover it. My other creditors all accepted the paperwork from the State of California, not Yosemite Insurance. They keep insisting the form must be filled out even though I keep telling them my employer filed bankruptcy and is no longer in that office and I can't find anyone from the office. I'm so sorry I got this loan with them.

I have experienced financial difficulty and have gotten behind in my mortgage payments. I have asked American General Finance to work with me. They have refused. Every time I have spoken with someone, they want more money and then they will see what they can do to work with me. Once I get them more money, I am turned down again.

I have hired a company that helps with loan modifications, short sales and consumer debt. American General Finance was upset with my decision and called my husband asking him if he was aware of what I had done. They continue to harass my husband on his cell phone and have still turned down any type of help with the Obama plan or any type of in-house help.

I have owned my home for 10 years and still owe more than the property is worth. They have said that if I use the credit counseling company that they are asking me to use then they may help me. Their company wants to charge me money. The company I am using is charging $3000 refundable if unsuccessful. They have been unsuccessful still and continue to help us through this process. American General Finance says the only way they can help me is to bring my loan current.

Well, if I could do that then I would not be needing a loan modification. The company that I have hired is documenting every conversation and has even spoken with upper management with no success. The unprofessionalism, sarcasm and lack of empathy from this company/Tucson office leads me to believe that there are hundreds more out there like me. Their shady business practice leaves a bad taste in my mouth, This company is part of AIG who are crooks. I am in need of someone in this company that can help. Does the CEO or CFO know what goes on in these offices?

On November 2009, my wife and I filed for chapter 7, but excluded this account with American General Finance. I took the reaffirmation form to the AMGF office, but they refused to sign the forms. So I just kept on paying this account. I have made all payments and paid this account off nine months early. But now, I have been disputing this account with three credit reporting agencies because AMGF continues to report to them that this account was included in chapter 7. AMGF is also reporting this information on my father's credit report since he was co-signer on this account.

We have unsuccessfully disputed this information at least ten times in the last 35 days, with no great results. AMGF continues to refuse to give proper information to the three credit bureaus. This has affected my father's credit report and I was also overcharged on this account. I have submitted all my receipts to AMGF but they still refuse to refund my monies. They have also submitted false documents to the New Mexico Regulations Department. AMGF has not responded to my complaints with honest answers--all fabricated lies and documents.

AMGF has refused to comment on the issues, always talking about something that has nothing to do with my complaint. Can my father and I file a lawsuit against AMGF for fraud, with willful intent to deceive, gross neg, unfair business practices and any other misconduct by American General Finance? I have all my papers in order, all receipts, contracts and proof of payments. Do I have a lawsuit case? If so, please help me. Thank you.

I applied online for a loan with American General Finance. I was given a call right away to ask additional questions, which made it seem like my loan was to be approved with just a little more information. I was asked about 50 very personal questions about my medical history and finances, which I was willing to do, since it seemed promising that I would be approved for the loan.

Once I revealed all of that information, only then did they pull my credit (which they should have done first before even contacting me). I was denied on the spot. The person who I spoke to (who originally was friendly), became very short and rude with me, once she knew I wasn't going to be approved. Now, I'm very uncomfortable about what they are going to do with all of the personal information I provided to them. This is very bad business practice.

I am currently enrolled with a debt management company due to my husband being out of work. American General was the last creditor to respond to the proposal from debit management company. They finally responded as of 3/24/2010. They have denied the proposal. I called first and spoke to representative by the name of Mary. She explained that due to company policy, they accept either 70%-75% of total amount of original monthly payment. American General approved the highest of the two which is 75%. When asked why, Mary told me because of income looks like we can afford it. I told her my husband is on unemployment at the moment, not sure how long it would be that he will find work.

She says that I need to talk to the individual that denied the proposal which is (Marian **). She informs me that there is no 70%, only 75% per company policy. I told her that I need to see it in writing. She responded by saying "no," she does not have to provide that information. She then goes on by saying it is not her concern that I got myself into debt and can't afford to abide by my contractual agreement. I asked her why are they not considering the fact that my income will change due to my husband being unemployed. She stated that they don't have to consider it.

All I wanted was an explanation, a valid explanation of what she was telling me and where her figure was coming from--I also want to know what they consider or what they look at to get their figure. Nothing was agreed to at the end of the call. According to Marian, there were no such thing as the 70% figure and it is what it is. Eventually, American General will be charged off on my credit report. I was trying for that not to happen but they refuse to provide me with explanation as to where their figures are coming from. I don't think I am a high risk customer because they've always received a payment from me. I will not agree to anything until I receive something in writing stating their new terms and conditions. I just think they are making up percentages and amounts based on amount of current income, not based on future income.

I paid two payments at one time, called the office, asked if this could be problem, "no". Before the month was over AG filed levi, with Staunton City District Court for the balance of the loan $ 1,658.00. They sent report of lien to Credit Reporting agencies. I called and corrected the problem. The Staunton Office agreed to correct but never did. Almost a year later, took the release to court house myself. But the credit reporting agencies have refused to remove it. American General has refused to send letter admitting error.

My house re-fi was refused stating "AG lien" -$nearly 20,000 / yr. in interest alone. My car insurance went up for same reason to 3,400./yr. My home owners refuse to insure my home and I had to get more expensive policy although I have never had a claim. Even though my salary has doubled, I can't get a re-fi to lower interest because of American General, and my electric company said my credit report caused them to charge me a deposit. These are a few of the cost to me. They do not include the days of cost as lost work, and frustration due to numerous dead end calls.

We have had our Mortgage with American General (Yes, they are owned by AIG) for almost 9 years and it has been a living hell. They call you and harass you as many as three times a day if they even think you might be late. If they cant get you, they call your family and friends. They send you paper work about all this money, your available and how you can make a 1 time reduced payment? But won't honor it if you try to use it.

I have been on unemployment for over a year and get $1156.00 per month. My mortgage is $1,000.00 per month. My home owners insurance lapsed due to a depleted budget so American General put a homeowners policy on my home at a cost of $2,076.39 per year which is 61/2 times what it cost me before and covers only the dwelling not the contents. This policy was provided by AIG. The cost was added to my principal and interest charged on that. I paid $900.00 cash for the old 1974 Double wide mobile that we live in. They want me to insure it at a cost 2 and a half time what I paid for the place to buy it out right.

They also take any payment that are not paid in full. Regardless of weather they offered a reduced payment option or not, and consider them late thus not giving you credit for the payment. Even if you show the next month with a full payment, they take a late payment fee of as much as $150.00 out of this payment therefore making you short on this loan payment also and starting the process all over again with late fees being added again.

I have also had my loan modified twice by American General. Neither time did I receive any thing in writing stating what had been done and why. I have only been told verbally about the changes and have seen them reflected on my statements by due amount and interest rate. But I still got nothing in writing and strangely enough my principal goes up every month despite the payment we make. The women in our local office tell me that regardless of what papers I receive and present them with that the offers they offer, can be implemented how they see fit without any requests from the loan holder.

Stress and anxiety and many sleepless nights worrying weather all the suffering and going without things needed to make life worth living, which every person deserves. I save every penny all month long just to try to have my mortgage payment when it is due. I have not had TV sevice at my home in 8 months because I'm trying to protect the only thing that I have to show for a lifetime of work. My home. I have missed Doctors appointments medicine and many other important things for fear of missing my mortgage payment. This has also caused a lot of strain on my 25 year marriage.

After getting behind 30 days on my line I tried to make a partial payment and then make arrangements to pay off the balance to bring me current, but American General refused to take the partial payment. They stopped by my home and harassed my family and then decided to send me a letter stating that they would turn me mover to a collection agency and start foreclosure proceedings. They have stopped by home on more than one occasion and threatened me and my family.

The branch manager Katie at the Central office in Chicago has been unsympathetic and rude. I've been asked questions like, "What do you do with your money?" and "Don't you think your mortgage is important?" It wasn't a question of importance but a question of I didn't have all of the money at the time. I asked if they could wait an additional three days. Working with them has been a nightmare.

The Customer Service Representatives Specifically Ryan and Sara at the American General Financial Services Branch Boise, ID are rude and unprofessional. They were threatening me and my family by stating "It's the money or the car, whats it going to be?" and "If you don't pay we will just take the car, add a 400 dollar repo fee and then garnish your wages after we sell it". This was all said to me after I promised to pay the 200 dollars that was due, but I would have had to pay it a week later.

Also note that I was not even a month behind at this point. I offered to pay with a post dated check, this is the response I got by Sara "Your checks bounce" and "you have been a thorn in my side for a long time we will not take a post dated check from you." We have been doing business with American General for the last 3 years ,only one check has bounced in that time and we have never been more than two months behind.

I have had to sacrifice money for food and and not pay other bills because they have demanded that I pay them, or they take my car which is the only one I have and I have 4 kids.

Two weeks ago, I make a direct payment of $130.00 and I know I am behind 3 months. I told to Marcia that I will call again in 2 weeks to make a payment. Three days after I make that payment, they are calling my work, Human Resources where I work, my cell phone, and my house. I did not respond because I just talked to them and it is not 2 weeks yet. Today, 02/26/2010 at 1230 pm, one employee from their department showed up to my door and start harassing me for payment. I told her the same thing, it is not 2 weeks yet, but she was rude and started yelling. I told her, "Do you realize you are in the front door for 2 payments?" Plus I am on medication right now for anxiety, but did not tell her.

I called SD police and told them who is in my front door. She said I don't have to open it the next time, and if they continue, I need to call them back. So I went to my work, and later this afternoon, I decided to call them and make arrangements. Unfortunately, they want that 2 months payment of $260.00 right now. I said I can come out half by tomorrow, 12/27/10, and half on 13/05/10. They won't take it, and Marcia told me that they will take federal action by Monday, meaning court. Just for 2 months behind plus trying to negotiate with is not good enough. My question is, are they really allowed to show up in your door like that? And what am I supposed to do in that situation? They might take me to court. They might repossess my car I'm using to go to work. I am taking medication for anxiety and it could get worse in this situation and lose my job. They put too much stress on people like me who owe $2500 and trying to make a payment.

I purchased a pellet burner store on 3-3-2008. The stove worked fine for the last 2 months of the season. The next season, the burner started faulting out and shutting down. We called them and complained many times. They sent their service people out several times, telling us it was fixed. This season started all over again having faults. Luce's have been here 5 times so far and the stove is still not fixed. I phoned Luce's today to ask what they planned to do since my warranty will be up in 7 days and their reply was nothing.

I feel they have done nothing but run the warranty out leaving us with a bad stove. I keep Savannah cats in this building and it is vital they have heat. They have never been in the cold and could not live through freezing temperatures should the stove fault in the night. I was sold this stove knowing all the conditions pertaining to the environment and now they are saying it is because of that. Why sell me a stove knowing full well it was not designed for this.

The first call made to Luce's this year, they claimed the stove just needed to be cleaned and charged me $150.00 to clean it after my husband had already kept it clean. Within 5 hours of their cleaning, the stove stopped again. Again Luce's cheated us out of $150.00. I spoke with Luce's and expressed the fact there had been so many service calls and they should replace it and their reply was, "Oh, we only see 2 calls." But again that is a lie. I had so many calls last year I contacted American General Finance Company about how unfair it was the stove didn't even last 10 of the 12 months, same as cash. Go figure, American General no longer finances their poor service and company.

We have had to get out of bed 2 times a night for the past 3 weeks just to go and check the stove. We have had to cancel our vacation that was booked a month ago because the stove is unreliable and faulty. The stress alone is more than I should have to put up with just calling them all the time. I have paid the $150.00 2 years in a row because they claim it needs cleaning when it truly does not. It appears I will have to purchase a stove elsewhere because this stove in not reliable. I feel I have been lied to on several occasions by them, and as it stands, I have a stove I paid $3,358.39 for and really can't use it safely. That is not what they sold to me.

This company finance an auto loan for me for 5 years. I still have a balance of $7000. It has been over five years. Every time I call or write about this, they state it's for insurance. I have informed them that each and every time I have change companies for insurance I had them notified. They still state I owe this money in which I don't. This will make this loan over seven years instead of five. Someone please help me. They have even wrote me threatening to repo my car. I was late for a few days not three months. I need my car to go to work. I could use this money that i pay them to pay other bills I have.

I purchased a heat pump from Miller's One Hour Heating & Air Conditioning. The finance company was American General. The monthly payments are $107 and I have been paying $150. The salesman told me there were no fines for paying off the balance early. My very first statement had the principal plus the total interests paid in 108 payments for $107. I called them and they said there was nothing they could do about that. I am going to pay this off in over two years early. Can they charge me interest for the total of 108 months?

In October 2009, I lost my job when the company closed. Living in a county with 5000 people out of work, there were no jobs to be had. My husband and I had to file bankruptcy and American General was included. They got the info from our attorney and they decided to file a suit against us, threatening to garnish my husband's wages. They also sent us a bill long after the bankruptcy was filed. Do they have the right to file a suit after they were included in a bankruptcy? When does it end?

I borrowed about $5,600 from American General almost 2 years ago when they were at their Lawrenceville, NJ location. Everything was going okay. I would go into the office every month to pay my bill. I was always treated very nicely addressed by my name as soon as I arrived. I never had a problem until recently when the office moved to Hamilton Twp.

I made the mistake of calling the company from my cell phone to pay my bill since they moved so far away. Almost immediately afterwards, I began receiving harassing soliciting calls for additional loans on my cell. This was bad enough. However, these calls were during my working hours and my job frowns on cell phones ringing. I have repeatedly asked this young woman not to call me while I'm working for this foolishness and she continues to ignore my request. One night someone from the head office in another part of the country called to ask me if I was satisfied with American General's service I told him about the harassing calls. He apologized to me and told me these calls were coming from my local office and he didn't have anything to do with that. I told him if it happened again, I would be very unhappy. They called my home phone today twice, one call was to solicit a loan once again and other call was because my bill is late.

I told my husband we are never borrowing money from them again. For one thing their rates are too high and for another they behave like a bunch of loan sharks from all the accounts I have read. I thought Avco Finance was bad; these fools are worst. I'm sticking with my credit union from now on for my financial needs. As long as I keep my phone on vibrate the supervisor doesn't hear it ring. I will be okay. I am just angry that I am being disrespected and disregarded after I have asked the person to stop calling and that I wasn't interested in any more loans.

I did borrow approximately $8,000.00 from American General Financial Services on December 24, 2009. American General is holding the title to my vehicle, 2006 Honda. From the start of this loan, I started receiving calls from American General about payments. The first call I received was in January 2009, at which time, the first payment was not due until February 1, 2009, with a 15 day grace period before late charges. Below are the dates of payments and copy of all canceled checks and money orders American General cashed from my bank. There are 12 months in a year, therefore counting from February 2009 to February 2010 is equal to 12 months. Therefore, from February 2009 to December 2009 is 10 months. In the "My Payment Schedule" of the contract states the following. "first payment is due on February 1, 2009. 47 Payments of $269.36, beginning March 1, 2009". I may owe American General Late fees. According to my records and my cancelled checks, I am not behind in any payments to American General.

Ms. Kindra **, senior manager for American General, has called my place of work, on several occasion. She was informed I could not receive personal calls of that nature at work. She continued to talk. I had customers in my work area, including my supervisory. They all could hear Ms. **, even with the phone to my ear. On several occasions, Ms. ** open my mailbox at my place of residence, and place an envelope in the mail box. The envelope contains her business card. Ms. ** called my home so much in a week's time, that she caused stress to my marriage, and to my husband, who is a type 2 diabetic. She called so much one day, that she cause his blood sugar to go out of control, to the point that when I arrive home from work, I found him in a diabetic shock. I had to call an ambulance f or him. Her questions to him was to say I was not at work, when in fact I was. She tried to discuss the account with him. His name is not on the account.

Ms. ** calls Ms. Rosalind **, a friend, looking for me. All of the above rules have been broken by Kindra ** of American General. The voice mail message she has left on my answering services are still intact. Therefore I am also filing a claim with Maryland Attorney General's Office. There is no legal basis for this lawsuit. The same day, American General received 2 payments from me is the same date they contacted their Attorney to file a suit. See Attachment 3, regarding complaints from other customers of American General.

To resolve the late payment issues, I asked American General for Information as to how I could have payment taken out of my paycheck. As of today, I have not received that information from American General. The manager of American General said I gave them post dated check. That is untrue. The checks I wrote to American General were after I had received a salary check from my employer. Ms. ** also stated she gave the envelopes to someone in my home. My husband said at no time did she, or anyone from American General Hand him an envelope. He found the envelope in our mailbox. American General retains attorney on a regular basis. The attorney is collecting fee from American General, and the debtor. I got embarrassed in front of my friends. They caused my husband to get sick, and also caused distrust in a marriage.

I have had loans with this company for years, They moved their payment center to Los Angeles about two years ago. This is when the problems started. I am disabled and trying to pay the loan off early. I found out through looking through my payments that they have not been putting the extra money I have been sending to principal.

I paid $75 extra last month with a separate check. They took $74 in interest, not to mention the extra they took out of the $300 I paid. I am one month ahead. At least, I was. I was told I am now only about two weeks ahead. My payment is $294.64 a month. I always pay $300. They have consistently been taking the extra money I have sent with instructions on checks to put towards principal, not interest. They have disregarded this and taken almost all of it to interest.

This is illegal. They are a subsidiary of AIG. Please check the consumer complaint page for numerous complaints against them for unfair practices regarding interest, payment, and other issues like harassment, etc.

I took out a small 3500 personal loan through American General Financing. I was doing well with paying on time up until recently. I lost my job and only managed to find a small part time job that barely pays for my vehicle loan. American General started calling my cell phone and home constantly at all hours. At one point a woman showed up at my door step. She was rather rude and asked if I had $40 to give her now for an interest payment. I had just made a payment on my vehicle, and didn't even have $40 to give. She asked if I would have $80 next week to do a double interest payment. I agreed that I could do that.

So not only do they lie to you, but they make things up as they go. All this for a $2500 debt.

I got a loan from American General to repair the throttle body on my car. I had to put the car up for collateral as I'm very young with no credit. I had always made payments on time, in fact made larger payments than necessary to knock this loan out sooner. A few months ago, I had lost my job and made a payment of 3x the amount and asked for that to be spread out for 3 months worth of payments, which a woman in the office told me would be no problem.

The next month I started receiving calls from them about being late on payments. They called me, my siblings, my friends, present and previous employers, etc. HARASSMENT seems to go hand in hand with this company! When I explained the situation, Jeff told me that was not possible and that I am late and need to make payments. He told me that he got permission from corporate for me to make interest payments to stop repossession of my vehicle. I had just made an interest payment last month and was told that would bring my account up to date and that everything would be fine. Tonight, a repo man showed up at my brother's house (where I am currently staying) and took my car. He said AmGen has had a court action against me for months and I have racked up thousands in debt for them trying to track me down. (I am not even MONTHS in debt to them!!!!) I was told that I have to pay any and all balances owed to AmGen and any repo company hired to find me. I hope I get my car back.

My mother had a stroke in May 2009 and she had a loan with them > She had always paid well and due to her illness could no longer make the payments . They have called and harrassed her made her cry.She is 71 and already suffering from the trauma of the stroke not being able to use her left side in which she was left handed.A man by the name of Joey came to her home told her he had a lein on her home .Then said if she paid 148.00 they would work with her .Before we could get the check in the mail he said I need to come get a check right away and I (Joey) will write your check for you .My mother told him no it was in the mail that Sunday and he should have by Tuesday.

Then the same day Heather called from there and was rude and had my mother upset again .What kind of people are they to call & come to the home of a 71 year old who has had a stroke and they know she is dis-able and suffering from no use of her left side .How ruthless are these people .Someome needs to put a stop to this .Who will be responsable if she has another stroke due to this harrassment ????

I took out a loan for a work truck. A friend co-signed and collapsed her vehicle into the loan for collateral. My business did not work out and the economy in NC was not good and getting worse. My friend and myself could find work but for $8.00 and hour only. I left and moved to Fl to find work and live my parents to get back on my feet.

I called American General. Let them know of my whereabouts and told Homer that my dad wanted to settle and get both cars off the loan. My dad offered Am Gen $8,000.00. Homer refused. The loan was at 16%. My dad had numerous calls with Homer and Homer refused all offers. Finally I had to give both cars back and now I am getting a bill for $6,000.00.

Had Homer just taken the offer from my dad all would have been satisfied and I and my friend would still have a friendship and we would have our cars and Am Gen would have their money. I have never seen a loan company refuse money before. I'm distraught having ruined both my credit and the credit of a once good friend. I could still be using the truck for work and making money with it. The money they are requesting now is less then what I offered them to begin with.

My wife and I both have loans through American General. This year we have found ourselves going through a very hard time. I was laid off from my job and had to undergo a major surgery all in a matter of two weeks. My wife who was pregnant at the time, was only working a minimum wage job. We were doing our best to pay all of our bills, and keep a roof over our heads. I was recalled to my job, however with in a matter of about a month my wife was put on bed-rest and was let go from her job. American General has called us on a daily basis, calling one phone and then another. They have went as far as to call my parent's house. I have asked them numerous times not to contact my parents, as my debt is not any of their business. The store manager told me she would come to my house and get the payment from us, if we did not bring it in. They went as far as to tell us they would make out our budget for us. They have even told us that they have seen us out in town, such as at wal-mart, and they want to know where their payment is. I feel that this is harassment! We have done without groceries to give them our last 20 bucks at times, just to be told that isn't good enough. We are behind on our payments but we give them everything that we possibly can.

Never will I deal with that company.

I obtained a loan from AG on 2007. The loan was 11%. Now it is 17%. That is not the worse part. Gene the manager was VERY rude to me. On Oct 13, 2009, I total loss my car whom AG was the lein holder. The insurance company told me everything was settled.

Later I get a call telling me to make a payment for the car. I told them, I thought it was settled. Gene got on the phone and told me I had to pay now. I hold him, I did not have it now. He said, "If you ran out of gas, you have no money to put in your car?" He was being very rude and yelling at me. He also told me, he will not release the title to the car to the insurance and haul me into court and MAKE ME pay for the entire balance even though the insurance was going to pay most of it. I told him, to do what he had to do.

I was on the phone with the insurance company. AG wrote the wrong number on the release letter and refuse to change the amount from $2126.91 to $2126.90. Gene is holding it up so he can MAE ME pay for the entire balance. This is totally uncalled for. He was very rude, and unprofessional. When I asked to speak with Courtney, he yelled, "SHE IS BUSY. But then later while yelling at me, he said the office was closed and they were just there haveing a business meeting, that is why he answered the phone.

As of today, Nov 23, 2009, Gene has not released the title to the car and has not changed the correct amount on the letter. He is holding out so the interest can grow and I can owe more on the balance or he is try to MAKE ME pay the entire balance. AG should be investigated for the numerous complaints received from customers. The economic damage is that I now still have another bill to pay including buying another car. Before, I had no car payment. The physicas damage was that I was so upset about the way he yelled and talked to me that I could not sleep that night.

Due an employment related lay off and other unexpected situations, mortage payments started getting behind. For the past 7 months, a loan modification has been requested and refused. AMerican General continuously stated they had no such program in place (though they took stimulus funds). After countless calls to various managers, I was told in 10/09, a modification would be considered. They asked only for income information. How can one's financial picture be understood by income and without attention to debts?

Based on this search for income only, it became clear that a denial was on the way because no one was ever going to consider the "modification." In early 11/09, I got the call informing me that my "modification" was denied. Surprise--surprise. When I asked why, I was told my GROSS income exceeded 13& of the loan amount. It would be funny were it not my life. I don't even see GROSS income. It didn't matter to them that my debts exceed my income. They actually had the gall to say that they were being forced by the government to use that calculation. Yeah, right.

In light of the denial, I agreed to send a full payment and was told after a few full payments, the past due balance would be removed due to an extention. I sent in a post dated check.

Tonight, I got a call telling me $290 more would be neeed or I would have to vacated by 11/30/09. I am sure the idea was to get the bulk payment then call back on the eve of Thanksgiving Holiday and threaten foreclosure so they could scare the additional $290 that was never mentioned out of me. The two managers I called to report the dishonest and unethical act responded only by saying the notes on the account said I was told about the additional $290. They wouldn't hear that that did not take place. This company has taken the stimulus money and is not using it to help the public.

I work. I am willing and able to pay, I just need a slight reduction (due a reduction in my husband's income). They will not grant it. Please think twice about doing business with them. I have been a customer for 8 years with a flawless payment history for 6 plus years. They actually advised me to file bankruptcy and not pay my other creditors so I could pay them. They are ruthless and they need to be stopped. I pray legal action is on the way.

I have already talked to my bank and they will wave the fee, but I think American General should be the one to wave the fee. This payment has been made on my dads account at M&I Bank as I am unemployed and so is my dad. He has been making the payments for the past year. He has also paid the late fee every month.

Be very careful with considering obtaining a loan with this company because if you do and find yourself in a hardship, you will be harassed. I lost my job with the state in Sept 2008, however; I have managed to make payments, falling 2 months behind at the most. This company is very harassing; manager or employee showing up at my home, telephone calls to my home and family members home from a man by the name of Omar.

I called on 10/29/09 to obtain payoff quote by using a friends cell phone (I did not provide them with the phone number from were I was calling) as soon as I hung up, a Miranda called to ask what my intentions were. I advised her, I am only one payment behind by 2 days!! I also advised not to call this number again, not to come by my home again and if so, I will consider it harassment. I further advised AGF to only contact me by correspondence through mail.

Before the lawsuit they called me every day at work, delivered a business card stating if I don't pay by 8/28 pending next acton, the last phone call I received was someone by the name Omar and asked me "if i knew what I was?" and I said yes everything was explained loud and clear. He then told me if I don't pay my past due they would move to litigation and my wages would be garnished. They never gave me other options but would rather take me to court....how stupid.

I have a personal loan with American General Finance, I used my vehicle to secure this loan. On September 15, 2009 2 men showed up at my place of employment and told me they were there to repossess my vehicle due to being 2 months behind on my payments. My payment is due on the 11th of every month and on my statement I receive each month it also shows that after the 21st of the month I then have a $15.00 late charge. Yes I was behind on the August payment due to a house repair that ended up costing me more than I had expected. I had planned on making the august payment that day as I had the money but just hadn't made the payment yet. I knew or thought that I was ok that once I made the august payment I would be caught up until Sept. 21st thanks to the 10-day grace period. Guess not...

I then immediately called American General and spoke with Aaron who told me that since I hadn't returned his phone calls that he had "no choice" but to take my vehicle. I told him that I was only 1 month behind and could and was going to make the payment that day. He refused to allow me to leave work then and make the payment. The 2 guys standing in my office had to bring my vehicle to American General and then I could come and pay them and get my vehicle back. When I asked how I was to get there since they were taking my vehicle Aaron said he didn't know what to tell me.

This is where it gets interesting: Aaron told me that I had to pay last month's payment, this month's payment, next month's payment plus $100.00 for the repossession!!!! My payment is $395.00 a month so I had to have $1,164.09 to pay them in order to get my vehicle back or they would keep it! The 2 guys were very nice and felt very bad for me and told me that one of them would drive my vehicle to American General if I gave him the keys so I would not suffer the embarrassment of having my vehicle repossess in front of all my co-workers. So I gave them my keys told Aaron that I would be in to pay the amount.

I then received a phone call from Aaron about 1/2 hour later wanting to know where I was at. Told him that I needed to find a way there first to pay, he then told me that my vehicle was going to be towed to an auction lot quite a distance from me and that when I paid then I would have to find a way to this lot to pick up my vehicle! Can you believe this just because I was 1 month behind! So I had my Mom come and pick me up I go to the bank to get the money as I was also told that I had to bring cash! I then call Aaron on my way to the bank to ask him just exactly where was my vehicle and he tells me that he will tell me once I show up with the money! I was needing to know so I could let my Mom know if she would need to drive me to this auction lot or not.

I then go into American General and pay this huge amount of money and ask Aaron about the grace period as I was only 1 month behind he then told me that there is no 10-day grace period!! I said well its on my statement each month and I was then told they have that on there for people that get paid twice a month! Excuse me doesn't most people receive a paycheck at least twice a month?? I was then told I was caught up until November and that if I'm late again they will take the vehicle for good!!

I truly think that they thought there was no way I would be able to pay them the amount they were asking for and they wanted me not to be able to get my vehicle back!! Oh and my vehicle was at a car lot not far from my residence...go figure that one. I feel that American General is a "loan shark" type business and they are out to get anyone who doesn't have perfect credit, rope them in and then literally do all they can to see that person fail and not able to eventually get their loan paid-off. I think they need investigated and if anything if they don't have a 10-day grace period then they shouldn't be allowed to print it on their statements each month.

I have a personal loan and have not recieved any statements in the mail for over three month every time I call to get a statement for payment they are telling me that all the statements have been returning back to the office. I have lived at my same address for 5 years I am a Soldier in the United States Army Station in St Louis. The manager has been rude to me and refuse to send me out any statements. I know they are trying to make me late on payments. The managers in other offices tried to help with no success. AMERICAN GENERAL FINANCE should be investicated as soon as possible. I know they are trying to get more money out of me. I am not late or have ever been late on any payments I have also have 3 personal loans with this company.

AGF took out a judgement and the week of Christmas froze the joint account with my husband's name on it (even though he was not on the AGF account). The joint account is what we pay bills with. It turned in to a huge mess and Ms. Bailey thought it was pretty funny.

American General made a home equity loan in 2002, I requested a loan modification in February of 2009, in accordance with the making home more affordable program. American General told me they did not have to give me a modification and stated they would foreclose instead of helping us. I am now on Social Security and cannot afford the $1171 per month. I only get $1648. that is almost my whole check. These guys need to be stopped. 1st. American General Financial is a wholly owned subdsidiary of AIG. American General is an unscrupulous subprime lender

$2000 dollars. This is worse than the credit card scandals, this has to be stopped. How can anybody pay this off.

I have a loan with this company. I sent my payment which was returned because my bank cashed it against the wrong account. I came home from work and found the Branch Manager's business card in my mail box. Apparently they appear at your door instead of waiting for you to call back. I called and spoke with JR the Branch Manager who told me I wasn't returning their phone calls.

I explained what happened with the bank and he said he will send someone to my house on Friday to pick up a money order because five checks have bounced. I do not believe, and have evidence that I did not bounce five checks. I have been a victim of identity theft and had to change banks because someone had my information and was debiting from my account. (Proof can be provided. I would also like to add that my boyfriend is a police officer and said that it is illegal to come to someone's house to collect a bill. I would also like to add that in the past, if you are one day late, they leave five messages per day on my house phone and cell phone. To the point that I had missed an emergency message from a family member because they left so many messages on my phone. I do return their phone calls unfortunately they do not keep a record of calls received.

I intend to file a complaint with the BBB and NJ Dept. of Banking and Insurance. This company is a subisdiary of AIG - need I say anymore. I would also like to know how they get away with their exhorbant late fees and NSF fee which I do not understand. THESE PEOPLE NEED TO BE STOPPED. If any employee of this company comes to my door again I will have them arrested.

Well they started calling my office phone. I do not know where they got the number, but they started on my front office many times a day as well as my cell phone. I sent them a money order certified mail to keep them from calling. But I still believe we do not owe them. To this day they are still calling me and harassing me. I feel that this is pure harassment. There is no need to call people at work when they have cell numbers. I want them not to do this to other customers as my husband and I were lucky we did not lose our jobs over all the time the front office spent answereing the phone. I feel I overpaid them.

I loan in the American General Finance services but i was not able to pay for it because i did not have enough money to pay for it. Now, it's been 3 months and i still haven't pay for it yet.

One of their workers cam in our home twice already and enter the house without my permission. Now, they are threatening me that if i dont pay 200 dollars a month, they will have to bring me to the court. I feel harassed. I hope you can help me solve this misunderstanding.

2/20/09 (12:03pm) Called and Jake (or Jay???) answered phone. Again I introduced myself/company and said I needed to verify past employment dates. He said the Corporate office was in New Jersey. I asked for the phone number - he said he could not get the number for me @ this time. I asked if I could talk with a manager. He said a manager was not available to talk with me. I said are you serious - I can't believe you won't take the time to give me the corporate phone number? You won't give me the phone number or let me talk with the Manager. I asked for his name (still couldn't understand Jake or Jay??).

The Customer Service (or I should say - the lack of......) was totally unbelieveable. This person was not interested in helping me or taking a step to find someone who could help me - very disappointing service.

They still want high interest in this economy while they beg the federal reserve and get billions. Perhaps if they would lower mortgage rates to 4%, they might save some homes from foreclsoure and help Americans; that is unless their goal is to grab land. They are like a credit card co. for homes.

A G Finance says that consumers should expect it to take 8 to 10 days to process a check, but that seems unreasonable. Also, it seems as if this is the way they make some extra money

I have been making monthly payments toward my loan, when I asked for a statement of my account. This is so I can see how much interest I have paid and what amount went to the principal. They said that they do not send out statements. I asked for something telling me what I have paid, etc. All I was told is that they do not do this. Is this not against the law?

The amount of charges are greater than the amount to be paid. When we initially made the loan I made an early payment, every payment was always before the due date and I always paid more than the amount of the required payment.

Two times they took every penny for interest. I would have thought that at least the amount made over the payment would have gone to the balance, if only $4! So they tried to explain that because my early payment was so early that the even though the next payment was still early the interest charged all meant that everything I paid them went to interest. OK, I let that slide--Now here it is several years later and AGAIN I paid $500 instead of the $416.68 that my payment should be and they took out $425.42 in interest!

The thing that gets me upset is that how can they take out in interest an amount greater than the payment I was supposed to pay. Especially when I have always paid more than the required amount!

American General Finance has continuously harassed, tried to intimidate me, and has disclosed loan information to anyone who answers my home phone. On Thursday November 1, 2007 one of their representatives, Ismael Arreola, left a message on my voice mail stating my payment had not been made; I had to call back the next day before 5:00 PM, otherwise my car would be repossessed. I know that creditors are not allowed to disclose any loan information nor make threats on any type of voice mails or disclose information to an unauthorized party.

My home life has been affected as information that should not have been disclosed has been causing family disputes, almost got me kicked out of my home. I am stressed, can't sleep worrying about losing my car, and from family problems caused by disclosing information.

A contractor was hired to build an addition onto our home. The contractor led us to his "finance" guy, who would refinance our home with enough to build the addition.

I went to American General to sign papers with my husband, and was told by more than one person at American General that there were no pre-payment penalties after one year.

I now work for Fifth Third Bank, in Tennessee, and it has been two years since we signed said contract with American General. I asked the mortgage department at Fifth Third to do a re-fi on us, and we would be able to escape Amercian General and their ever-increasing rate on the loan.

It has been a couple of days since the refinancing with Fifth Third has been enacted, and I received a call today from Beth, at American General. She stated that there would be an $8000.00 pre-payment penalty, and the contract they have in house states that there would be a penalty. My husband and I had no idea, and felt as if we had been "baited and switched", so to speak.

I want to report this company as a fraudulent one.

Since all of this has transpired, we were told that "Robert", said loan officer, was fired due to unethical practices.

How in the world is a consumer supposed to know the terms of the loan, if they were told one thing, yet signed another?

Please get this message out to all consumers. Alert them as to the fishy practices at American General Finance.

"Get out of his office!"

The following day I spoke with the Area Manager, Carole Jameson and tried to explain what happened. I made sure she understood that after rethinking the chain of events that lead up to this disagreement, I was confused with Erics reactions. I also told her that the only explanation I could think of for Eric's negative behavior towards me was perhaps an incident that occurred during the month of April. I am not certain, but I do believe that Eric may have been angry at me for refusing to redo a loan with him back in April of 2006. Please note that redoing the loan would have put me further in debt with the company. Additionally it should be stated that I have also rejected offers from Eric and other members of the staff on numerous occasions to accept additional loans with the company. American General attaches extremely high interest rates on their loans that make it difficult to repay within a reasonable time. I made the mistake of taking out a loan with them once, but vowed to never do it again.

Unfortunately Carole Jameson, the Area Manager, not unlike Eric was also rude and tried to talk over me. She told me that she had already heard his side of the story. That's when it became apparent that she had no intentions of being objective. She was unwilling to acknowledge any wrong doing or ill treatment by Eric. Apparently his behavior was not only acceptable, but common practice. Of coarse, this only led me to feel attacked a second time by her.

Ms. Jamesons solution to the problem was to simply transfer my account to another office. While I did agree that it would be best, I am not pleased with her condoning improper behavior of employees. As I stated to Ms. Jameson, I was not looking for any monetary compensation or credits to be added to my account for Eric's lack of professionalism. I simply wanted her to understand why I accused him of being deceptive and unprofessional. I also informed her that I was not pleased with the way she handled the matter and would probably pursue my complaint further.

I'm now turning to you to hear and advise me on this matter. I don't know what else I should do. I will be in the position to pay off this loan in a couple of months. However, this is a matter of principal for me. I don't think that it is fair or even ethical to mistreat customers after they are locked into a contract. I refuse to comply with unprofessional conduct or incompetence. Neither will I ever acquiesce to audacious, insolent, nor cynical remarks from anyone to whom I bring my business!

Thank you for taking the time to hear this matter.

Hello,

my whole family!

My husband and I are victims of predatory lending. American General Finance

Company encouraged us to refinance our home through them. They assured us

that this was the right thing for us to do, and the best thing that we could do.

They promised us that our interest rate would remain about the same, about 9-10% at the most, and the payments would stay around the same, around $450-500 at the most.

They did not tell us that the loan was a revolving credit loan, like a credit card, so that wed never pay the house off. Everything happened so fast, at the closing. After signing the papers, we found out that we had singed to a 14.50% interest rate and almost $750 monthly payment. They also did not inform us that we had three days to look at the contract.

This loan has caused us to almost lose our home of 25 years. They foreclosed on us and I immediately filed for bankruptcy. The original loan amount was $56,000. With all the interests, fines, fees, and costs for their lawyer fees and whatever else they charged us for, we now owe them $72,000 for our home! So even though we have filed for bankruptcy, we are still threatened by the possibility of being foreclosed on again. From month to month, its almost impossible for us to make our house payment, now being $750 and if were late almost $800. I know for a fact that they are just waiting on us to default so that they could take our home away from us! In the last three years we have paid them over $35,000, and we now owe them $72,000, theres a serious problem with this! This is robbery!!! I personally know someone else who has experienced a similar problem with them, and they too were forced to file for bankruptcy. On the day my house went up for sale at the courthouse, there were two other families that AG foreclosed on. One day, while I was making a payment at the office, another customer was there making a mortgage payment too. They were there to make a payment so that they could get ahead on a payment. They told him that was impossible for him to do, because the computer would not allow them to do that. Well, I had the same experience with them. I made two payments in one month, thinking that I was going to be a payment ahead. The next month it was as though I had never made an extra payment, it went towards the interests.

You can imagine how I felt, furious!!! Several times they tried to get me to redo the loan with them so that they could catch me up, but I refused. Instead I tried to redo the loan with other finance companies, and when I did, they made it hard for me to accomplish that. I then found out that there was a prepayment fine or penalty fee of $4,000, along with other fines and fees they were charging me, making it impossible for me to get out from underneath them.

nothing has happened, I complained about discrepancies I found in the final bill after my re-finance (American General was paid off) they have yet to contact me in any way.

the numbers don't add up, it is as if they are deliberately trying to confuse the numbers, kind of like shuffling the figures so they don't make sense.

this was a mortgage that was set up like a line of credit ($90,950), my statement from December indicates that I have $1774 available for cash, but the payoff amount only indicates I have only $727.

the payoff statement also indicates that they owe me money which I have not received. this was in February.

American General Finance was included in my bankrupcy (File date September 22, 1999 Chapter 7 Bankruptcy No. RS 99-20098-MJ). American General Finance then placed a judgment and/or lein against us Reuben H. Acosta Sr. and Mary Ann Acosta.

my father got loan from them and so ddid I my dad's acct is delinquent and when i come in person to pay mine. theyre threatening to put a lien on the property. Thats my fathers personal business. why are they telling me his personal credit problems. they shouldn't tell me anything about my dads account. i would sure be angry if they go around telling everyone's business to everyone.

Approximately October 1997, We secured a loan from American General to pay off our house, that we purchased thru FHA. We also received other funds to pay off bills. At the time of signing we told the American General employee that we would like our payments to fall on the 3rd of each month, and asked if we could have it taken directly out of my Social Security Disability Check deposit. He told us we could set that up later.

Being that it was about the 20th of October, I figured that our first payment would be December 3rd 1997. On approximately the 10th of December I called American General in Kankakee and ask them when I would be billed. American General told me they would mail me a bill befor it was due. Approximately the 10th of January 1998 I called American General and ask about my bill, and I was told the same thing. However, approximately a week later I received a bill stateing that I was would be three months behind on the 21st of January. I also discovered that my home was on a more card, with a finance charge of .015

My mother in law, Mary Whitehead bought something for myself and my husband which he and I found ourselves paying for. A little over a year ago, my mother in law fell close to death with health problems and was in the hospital for several months in a coma. I called American General to ask them to start sending the monthly bills for this acocunt to me at my address so that I could try to keep the payments up on the account since my mother in law was not able to. It took several phone calls but they finally agreed and I started receiving the monthly bills not only to my address but in my name (her name was no where on the bills).

Next thing I know, my husband and I hit a rough patch and some of the payments got behind. Now my husband and I are being harrassed by American General and threatened with legal action an repossession of our gift from my mother in law. I decided to go ahead and pay the account off when I was given some money owed to me by a family member and called American General to get a payoff on the account. I was told that I could not obtain that information as the account did not belong to me. Therefore, I sent the balance due on the last statement I had with the memo, paid in full on my check. Several months later I received a letter from American Generals legal department stating I still owed them $73.96. When I called to question this I was told that they could give me no information on the account as it was not in my name. Next thing I know, the account is showing as a very bad mark on my credit report.

I then called American General pretty much raising heck and demanding a copy of a contract with my signature that gave them the right to report this debt on my credit report. After a couple of weeks, I was finally able to obtain from Otie that mine nor my husbands name or signatures were anywhere on the contract. When I told them I wanted this taken off of my credti report I was told that they could not do that. When I told them to send me a copy of the contract so I could show proof to the credit bureau that this was not my debt and therefore was a false reporting on my credit, I was again told that they could not provide me with that information. They claim my mother in law will have to request that info. but she cannot half hear and her mind is not all there anymore. They would have her so confused she wpuld not know what to do.

My thing is, I have been threatened with legal action by them, harrassed by them and reported as a bad debt by them but they refuse to give me any information on the account. When ever I call to speak to someone in authority there I am put on hold and left hanging with no one ever picking up the phone and these calls are all long distance. I have given up trying to deal with them because they are now refusing to deal with me and provide me what I have requested.

I was harrassed on my job and at home even though I was not behind-- new management had come into the company-- I had already told him when I was going to pay but he kept calling me at my office and home. I told him it was harrassment and that he shouldn't call again so then he, threaten to write off my account like I wasn't paying but what accually should of happened was that his company should of paid off my bill which was about $600 and sent me the rest of the $2000 dollars as that was and still is the law--but I never saw the $1400 dollars.

I borrowed 5,000 from American General Finance on 10/25/2002. I which everything went find. I contacted the office again and spoke with Eric Washington about adding 800.00 more on my orginal loan. She stated no problem we can add 800.00 on the loan. She stated she would have the people work ready when Mr. Sutton get there. Mr. Sutton stated when he got there all he did was sign the paper work got the check and left.

With the understanding that Eric and I had already discussed the details. When I viewed the contract three days later I coul not beleived what I was reading. She canceled the orginal loan. Wrote up another loan including the interest of the 5,000 and open another loan which left us with a balance of 10,625. She didnot explain this to me nor Mr. Sutton as to how she would handle this. Her honesty is in question and the way they practice.

She didnot explain this to Mr. Sutton. Had she taken the time to explain and not acted as a loan shark he would have declined this offer. On a 5,800 dallar loan we will be paying back 10,625 dallars. No one in there right mind would have did such a thing. I have more concerns and would like very much for someone to contact us as soon as you can. Thank You.

On March 20, 2001 my husband and I went to American General Finance. Adam had called us several times trying to convince us that if we refianced our home with AMG. We were told that we would have an Open End Mortgage and the amount available to us every month would be ($616) for up to 10 years and that each year we would have around $6-7,000 to do with what we wanted and the payment would never change unless we didn't use the money and then the payment would drop accordingly. When we went to AMG to sign the papers Adam took us into an office and explained that our payment would never go beyond $616 and if we would sign that day he would throw in credit life at no additional charge. Disability insurance was never discussed.

It sounded too good to be true but we trusted him and went ahead and signed. We received our first statement which said we had $3288.00 available to draw out anytime we wanted. On April 24, 2001 we withdrew $1,500 for vacation. Adam assured us that we could take the entire $3288.00 and our payment would remain the same. Our first payment was $738.27, when we questioned Adam he said that the payment was so high because there were fees that had to be paid and the fees would be paid in 2-3 months. The first of June the payment was $756.63. We again called Adam and he said that there might be one more month of a higher payment and also on the statement it said we were also being charged for disability & credit life insurance. Our July payment was $781.44.

We again went to AMG and confronted Adam, he said their was obviously a mistake and that he didn't know why the statements were showing a charge for credit life & disability insurance.So he deducted those amounts and said the correct payment for Aug would be $616. He brought us a piece of paper to sign & remove the overcharges and then came in with a piece of paper for us to sign to remove the overcharges and then he brought us a piece of paper that was suppose to be a record of our payment amount that had another couple's name on it. He scratched it out and wrote in our name and then he also gave us the same sheet without the name marked out.

We asked why we were having so many problems with this and he said it was only the 2nd open end mortgage he had done and he would straighten it out. The Sept. payment came due and the amount was $664.69 and we called Adam again and he said he was still working on it and to just pay $616 like he had told us to do the previous month. The Oct statement came due and it was $665.40 plus $48.69 in unpaid charges for Sept. By then we were so disgusted that we asked a friend to go with us that understood financial things better than we did and asked Adam to explain it all to her, which he could not do. So he cancelled the original loan and wrote a new one. He guaranteed that this time it would be right. By then we were so gisgusted that we began looking for another place to refiance our home.

I applied for a Retail Credit Application from Fiber City Sewing to purchase a Bernina Atristic Sewing Machine on 12/23/01. On 12/26/01 I was asked to arrive at the 200 w. Adams office to reapply for my Retail Credit Application. The reason given was American General Financer had lost all records for certification for Fiber City Sewing, and I had to reapply for my perviously accepted loan.

Upon arrival their intake person asked attempted to offer me a personal loan instead of a retail credit loan. I asked him why the change, what are the major differences between a retail credit loan vs a personal loan. He would not give me a definate answer. I asked him again- still no definate answer.

I told him he had better find another customer, and departed his store, and reported his actions to Fiber City Sewing (312)-648-0024. I have over 35 years experience with consumer retail credit loans. Never have I been asked to accept a personal loan,when I have been accepted for a consumer retail loan. This is bait and switch, consumer fraud, and racial discrimination.

I have been making payments on a loan that I borrowed from this company. I make my payments on time every month and I make payments over the amount reuired. I have seen not how my paymnts are applied and have called for a printout of my payments and how the are applied and was told that they do not have the ability to do that. I have asked for a payoff on this loan on more than once and have gotten a different payoff in a matter of days a big difference. I feel I am intitled to a printout of how my payments are applied. I had insurance on this loan which as first was told that I had to have.

I late found out I did not have to have and cancelled insurance. I was to be refunded for that by either doing my loan over because insuruance was added in to the loan amount but did not get anything done until I compained about the payoff amount, than they cut check to refund for the insurance, but than my payoff amount went up. I want a printout to see how payments are applied so I can see where my extra payments are going. I don't think they are applying payments correctly.

THere were several incidences. This is my wifes loan. We got behind and recieved a call from their office telling us they were going to report our car as stolen. (it was the main collatoral on the loan). The police would impound the car and the driver wouldbe arrested if we didn't catch our loan up. A person with the same voice called several times using different names, repeating this threat over the next few days.

I was away working and my wife was traumatized. She was afraid to take her payment in because she might be arrested. She was even afraid to leave the car parked at our home. Next incident. We were a half a payment behind. American Finance in granite city called and said "we can do you a favor and refinance this loan". It'll get you back on track and you should be able to get about 500 dollars cash. I'm a trusting person and said sure. When my wife went in to sign the loan papers, it was only 300 dollars, and by the time they added points, insurances, etc. The payoff on the loan was going t be more than doubled, the payment was going to be higher.

The pay off was going from approximately 2900 dollars to approximately 6400 dollars. It was going to cost over 3000 dollars to get 300 dollars.My wife said no way. then they wanted a post dated check for the loan payment. They didn't get it. THe final incident was today, two weeks after we decided not to do the loan. American general called wanting their payment. I told them I'd be in with in a couple of hours. Justin threatened me saying if we weren't, he'd have my wifes check attached. I snapped at him. Then he said "The attachment would go in this morning". I consider the way they attempted to "help" us with the loan borderline fraud, and the methods theyve used in attempting to collect payments, and I mean payments that are less than 60 days behind, harassing and harmful.