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Problem with the interest rate. Dear CFPB, I am submitting a formal complaint regarding a predatory auto loan issued by XXXX XXXX for a XXXX XXXX XXXX XXXX. The loan originated in XX/XX/XXXX with a balance of {$25000.00} and was assigned an annual percentage rate ( APR ) of 26.57 %. Despite nearly three years of consistent payments, the balance remains at {$21000.00} a minimal reduction, indicating that the overwhelming majority of my payments have gone toward interest. The vehicle is now XXXX XXXX XXXX, and I am being charged a rate that is far beyond reasonable, even for subprime borrowers. This interest rate is excessive, exploitative, and has created an unsustainable financial burden. So only {$4000.00} has gone towards the vehicle and the rest has gone to interest. With this