Complain about a product or service

American General Finance

Paula of Land O Lakes, FL May 11, 2005

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.

Reuben of Riverside, CA May 12, 2004

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.

Roy of Stockton, CA October 26, 2003

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.

Terrance of Watseka, IL March 15, 2003

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

Karene of Grandy, NC March 4, 2003

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.

Lillie of Lexington, KY February 15, 2003

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.

Diane of Baltimore, MD January 3, 2003

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.

David of Sand Springs, OKLAHOMA February 4, 2002

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.

Orie of Hazel Crest, ILLINOIS/ CO December 26, 2001

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.

Pammie of North, SC March 6, 2000

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.

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