<prompt> Human: When I woke up this morning, the company I got my car from took out 6 car payments. This over drafted my account by a couple thousands of dollars. The car dealership said they would refund four of the six payments but not the last two. They said they would go towards the principle and not even towards my monthly payment. Is this right? Is there anything I can do?  <response>: Threaten to call the ftc 