I am recently unemployed and have been faithful with my car payments with the exception of this past month. When I contacted Wachovia which is now Wells Fargo and Chase before that, I explained that due to the economy, I was laid-off and taking care of my disabled Mother and needed to make a payment arrangement.

It was rudelly explained to me that they would need to post a payment to my account knowing full well that I was overdrawn at the time. I might as well have been asked to write a bad check which is ILLEGAL! The rep. quietly explained that "it's okay to allow us to post this payment from your account, because it won't go through right away. You should probably have money in there by then." Furthermore, the rep. asked if my Mother has any money to give me. I explained that she is 100% disabled and that I am the primary caretaker.

Wachovia/ Wells Fargo...or whatever they're called now, bully their customers, and are willing to partake in unethical business practices.