These are people that lie to your face, charge high rates and if I may be frank, break it right off in your ass ! At Christmas time they have a program that will allow you to miss a couple of payments to help with the holidays. They will tell you that nothing will change. THIS IS A LIE ! This is how they treat there good honest hard working customers. I hope they get just what they deserve !

This is a horrible company. I have an auto loan with them and they are deceptive, rude, and have what I believe to be illegal ways of collecting a past due payment (they will come to your residence after being only a couple days late).

They have a practice of calling you and sending you letters talling you that they want to help you. The last time they offered to help me they promised my interest rate wouldn't change and I wouldn't be any more in debt than I am now, they were just going to put a couple payments on the back end of my loan. I was weary of this because they have offered to help before and after them explaining it to me I signed everything...well, the way they explained it was not the way it seems to have turned out. My interest rate went up and no matter how much I pay, I swear my payoff doens't go down more than a few dollars. My payoff has been in the $12,000 range for the past year even though I pay $50-$100 more than my regular payment. How that works, I have no idea. Anyway, I went in to see if they were really trying to help this time and the interest rate they wanted me to sign off on was 3% higher, there was a $500 plus loan origination fee, and some other **** I didn't get. I walked out almost in tears because I am so frustrated with this loan. It's the single most horrible financial decision I have ever made refinancing with them. They won't even work with me to lower my interest rate, my credit has gone way up in the past 3 years, but they say that my type of loan can't get a lower rate. I don't understand that at all, and nobody else will refinance my vehicle now because I owe twice what it's worth...and did I mention that if I had never refinanced I would have paid this vehicle off a year ago? AGF ia a money hungry, uncaring company that has no qualms about digging their customers deeper and deeper into a debt with them with their deceiptful practices while saying they are helping you.

I wrote a message about month and wanted to ad something. I do have sympathy for those who are struggling and know sometimes you get in a tight spot,but they are just trying to be a successful company and did insure a lot of banks that pretty much screwed them over with making bad loans. So now AIG has to comp all those companies that they insured so of course they look like the bad guys. However if it wasent for them all these other companies that people think are so great would be going out of business due to not collecting from bad loans. Dont forget that the goverment has always set the low and high standards on loans and if Americn General has certain standards they live by that you dont like then why did you get a loan with them in the first place. Just think about what i said and dont keep blaming the AIG corp. when the decissions we make in life are ours alone and when you sat down and signed those pieces of paper did you stop to consider what if i become unemployed, get disabbled, or have to live at ''30,000.00'' a year instead of 100,000.00 plus. JUst because you make it dosent mean you have to spend it.

High interest rates...application fees and charges that increase the APR even higher...insurance products are added to the loan and charged interest...many loans rewritten with disception marketing practices. The poorest and least educated are victimized....enable people to borrow money and most can not repay when they hit a bump in the road....loans given to people with high DTI (debt to income) . Mortgage loans have prepayment penalities... subprime loan company...same league as payday loan companies...

I am also a former AGF employee with almost 14yrs there, I agree that since I left the company in april of 2008 I also can sleep much better without all the stress of what my job entiltled me to do and that the poor customers got the highest interest rates and the mortgages and points and fees along with max interest rates were an outrage and now I look back and realize I was not helping the people only making their financial problems more difficult - and lets not forget AIG took over Amer. Gen. Fin. in 2000. When I left the company in April of 2008 AIG stock was then int the mid 40 range and since I have seen in dash down to just cents on one dollar. What a crime now it seems to all be tumbling down.

High interest rates with application fees close to state maximums allowed legally. Questionable collection practices. Poor Insurance products financed in with loans at high interest rate. Not a consumer oriented company.

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