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

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

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

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

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

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

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

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

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

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

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

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