I have been a good customer with Wells Fargo Financial. I took out a Cash on Demand loan for a little over $1, 000 no missed or late payments. They added all these little insurance charges I never agreed to. I had to go in person to get the charges taken off. I have been a customer for about a year. I almost paid it off and I recently took out 3500 dollars for a vehicle I wanted.. With in two months they changed my interest rate from 18 to 25.4 percent. For a car loan? I called and got no where with everyone I talked to. They claim they notified me of the change. I have not seen any thing to that effect. They give excuses of "it’s a bad economy" "we are under different management" "there is nothing we can do". Turned into a scam. I thought with our tax money bailout the banks received would make it easier for the average joe trying to struggle with debt. Regulating the banks to a better standard. Wrong. I believe this is a scam to lock you into a debt with them and never be able to pay them off. They are not for the customer or for the economy. The are not concerned with their customers best interest. We are getting screwed twice. Our tax money is bailing the banks out and now with no regulation they can create another scam at the taxpayers expense and getting away with it. I decided I am going bite the bullet and get a bad credit rating and harassing phone calls. I am not going to pay them one dime until my account was the way it was. Another scam, just what this economy needs. Everyone looses.