On XXXX/XXXX/XXXX I purchased an used XXXX Chervolet Cruze from XXXX XXXX XXXX. The dealership took advantage of the situation by quoting me a rate but putting another on the contract and hurrying me so sign it because it was time to close. They gave me no opportunity to review my contract thoroughly otherwise I would n't have signed it since it did n't state the terms we had agreed upon. Now, more than a year later I started realizing the principal balance on my loan was not getting any lower. I contacted the lender US Bank for a copy of it so I could finally review it. Upon reviewing it I come to find out I have been paying 7.99 % interest rate when I was quoted a 4.9 % at the dealership. I immediately contacted US Bank by phone and spoke to XXXX who was beyond rude, nasty and unprofessional. She repeadly verbally abused me and screamed at me on the phone, saying I was n't understanding what a loan was. I asked her more than 5 times where in the loan said that I had to pay extra interest if my payment was late, because on the truth in lending disclosures states the amount you will pay for the life of the loan. US bank should be proud because they have a employees who are trained to defend their unethical and unacceptable business practices. I feel offended by the way I was treated and by the way US Bank is draining every penny in my pocket with those outrageous fees that they do n't tell you about. While on the phone with XXXX I asked her to provide me with the disclosures that states I would be liable for any extra interest rate if my payments are late aside from the XXXX % late fee they charge, and she never answered by question constantly atacking me saying I did n't know what a loan was. 
