Bunch of Bull

So I just learned that Citibank is pretty evil. I cannot afford to pay for my car anymore. So they say I can let them take it or they will repo it. I said well you can take it because I can't make the payments anymore. They said well no you still have to make the payments. I said well if I don't make the payments you take the car, so what, take it I don't want it. And they said, NO you still have to make the payments, we'll take you to court, garnish your wages, do whatever we have to do to get our money. For a car I don't have anymore? Yep. NO! GRRRRR!!! Evil, wicked nasty, bad bad company.