I had a $ XXXX Home Equity loan taken out with USAA.com five years ago. The interest rate I received at the time for the loan was 4.49 %. 
This month, the HE loan was converted to a fixed-rate loan, as had been expected after the first five years. What was not explained to me was that they bumped up my interest rate by 250 %, to 10.35 %!! When I asked about this possibility several months ago, I was told it would " depend on market conditions. '' Clearly, interest rates have not doubled since I took out my HE loan, and nothing else about my credit history ( which is excellent ) has changed! 
I 've been the victim of 'bait and switch '. 
