AFS Acceptance, LLC Consumer Loan Complaint

AFS Acceptance, LLC Consumer Loan department,

Vehicle loan Taking out the loan or lease Maryland

I financed a vehicle through AFS on -/-/2014, with a loan agreement of $13000.00 owed at a 19.95 % finance rate. I made 16 payments on this vehicle, totaling close to $7000.00, and was in a car accident and the vehicle was totaled. My insurance company paid AFS $10000.00, making the total amount paid on this loan over $21000.00, with it being reported that over $6500.00 was paid towards interest. I paid off this vehicle in 16 months when it was a 50 month loan and it specifically states in the documentation that there is no penalty for paying off the vehicle sooner. Given the fact that I made payments of $400.00 each month, for 16 months always on time and the total paid by my insurance company being over $10000.00, AFS charged me a finance percentage rate of nearly 50 %, when it should have stayed the 19.95 per our contract. I am owed at least $3500.00 according to their own record keeping and contracts I had signed when purchasing the car.