That is right, I did say "be happy" and thank your lucky stars these crooks didn't get you for $11,000 like they did to me! Maybe they did and you just don't know it yet. Call the bank and a copy of your credit application and see if they forged anything or lied on your application.
These people are so sleazy that unfortunately even reading through the contracts you sign isn't enough, because they cut signatures out and place them on other contract's, the one that you DON'T see, and the credit application they slide another page in to make it look as though you signed it when you didn't.
The banks are in on it too and when your interest rate is jacked up without your knowledge, they split the difference with the dealership. In my case they screwed up all over the place (bank & dealership) and the dealership paid back every penny for the car in full, to the bank. Till this day it isn't resolved and they will not take responsibility for what they have done!
I am sure there are many, many more people that don't complain or don't know that they were taken for a ride..........literally!