• Report: #701499

Complaint Review: American General

  • Submitted: Tue, March 01, 2011
  • Updated: Thu, March 03, 2011

  • Reported By: anonymous — Vancouver Washington United States of America
American General
3000 SE. 164th Ave Vancouver, Washington United States of America

American General Beware!!! Vancouver, Washington

*Consumer Comment: Reality...

*Author of original report: I happy things are so rosey for you

*Consumer Comment: What American General Isn't!

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Watch out for this place. They are very nice and cheery but as soon as you fall behind they are cold and heartless. They will not work with you in anyway. They will call and make offers for customer appreciation month and offer to refianace your loan but all that does is make your payments go up each time so they are not helping you out at all. I fell behind because of spouse loosing job, my hours being cut and car breaking down. They quickly took me to court and started garnishing my wages which has totally destroyed us. We are now getting food boxes, and our church has paid our electric bill. They could careless about their customers. They will in no way work with you they want a full payment no matter what. Their interest rate is huge on top of it. This place is not much better then payday loans (loan sharks). I would love to see this place go out of business. Then the jerks that work there will know how it feels to struggle and there would be one less company screwing people. How our country is today you think people would be a little more understanding.

This report was posted on Ripoff Report on 03/01/2011 08:09 PM and is a permanent record located here: http://www.ripoffreport.com/r/American-General/Vancouver-Washington-98683/American-General-Beware-Vancouver-Washington-701499. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 2Consumer 0Employee/Owner
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#1 Consumer Comment

Reality...

AUTHOR: Robert - (U.S.A.)

At the time I took the loan things were going good.
-
They were going good? 

If things were good why did you feel the need to take out a high interest loan?  If things were good then why didn't you get a loan from one of your other creditors for a lower rate?

You want them out of business.  Okay let's just say that they were out of business when you needed the loan.  What would you have done to get the money?  Why didn't you do that instead of getting a high interest loan?  Or would you have found a way to get by without the loan at all?

As for the contract, I know I signed it and I had every intent of paying it then things just got bad
- Intent?  Everyone who takes out a loan has the "intent" of paying it back, if they don't then that is fraud and an entirely different situation.  Was there any provision that says as long as you have the intent it is okay.  How long should they wait for your intent?   Because they can't wait forever.  They have a certain amount of time that they can legally collect called the "Statute of Limitations".  If the debt is past the SOL you legally don't owe them anymore.  Are you saying that if it was past the SOL you would still make every effort to pay them back?  Perhaps you are the one person who would, but these companies know that this does not happen.  So they have to take action when they could to make sure they get paid back.

All my bills have been really nice and have worked with me accept A.G.
- I find it hard to believe that EVERY other one of your bills have been "really nice".  You can find reports on just about every bank, credit card, finance company, and even utilities at one time or another how they were not "nice" when someone was delinquent or ran into trouble.  So I would bet there is a whole lot more to this situation.

You didn't give any details as to how old this debt is, or the exact situation that may explain why they decided to sue and the others have been "nice".
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#2 Author of original report

I happy things are so rosey for you

AUTHOR: heylin266 - (United States of America)

At the time I took the loan things were going good. I have done all I can to make it and it is very wrong of you to make it sound like I am a dead beat. I have worked very hard and have paid my bills on time but have really struggled through the last two years. I have worked two jobs and worked 90 hours a week and worked 7 days a week for two years until my doctor said I was making myself sick and to stop. By your comments it is very clear you have never struggled and congrats on that, right now in this world there is not many people out there doing good. As for the contract, I know I signed it and I had every intent of paying it then things just got bad. All my bills have been really nice and have worked with me accept A.G.
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#3 Consumer Comment

What American General Isn't!

AUTHOR: Jim - (USA)

They are not your friend, your counselor, your financial planner.  They are here to lend money and then make a profit when people pay that money back...nothing illegal, immoral or unethical in that.  They are under no obligation to help you, me or any other customer.  The contract you signed says they will lend you the money and you agree to make payments on time, everytime.  It does not give you a pass because of car breakdowns, job loss, sickness, being in jail, being stuck in an elevator, loosing your hair, or your teeth.  You agree and promise to make those payments...period.  You failed to make those payments and you turned on the collections efforts.  They sued you because you told them to sue you by not making your payments like you promised.  And the interest rate?  If it was too high for you, why did you agree to it? 

The cold hard facts of life for any borrower, me included, is we have a contract to live up to.  The only excuse to not live up to it is to be dead.  If you guys are having a cash flow problem then you get on a payroll working as many jobs as you need to get it done!
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