It's funny reading all of these reviews where people have been screwed over and lied to regarding paperwork and interest rates.
First of all, if you are going thru a finance company and not a credit union that more than likely means your credit is pretty *** to begin with, so all the comments where people are saying my payment wasn't even late-yeah I'm not buying it. American General does not even contact their customers until after five days late and only then do they do a courtesy reminder call, so being called before the payment was even due--yeah, I'm not buying that either.
American General is only open from 8am to 5pm, so being called at all hours of the night--wrong again.
As far as signing for one interest rate and getting another, why aren't you down at your American General Branch ranting to them, and getting it fixed, instead of ranting on some random website. If your are so displeased,and have gotten so screwed over, hey I don't know, maybe try refinancing with another company