Auto Loan converted to high interest personal loan

In March of 2020 I refinanced my car loan from 8% to 3.84%. In August of 2022, I started grad school and I am not working so I prepaid my car loan a year in advance (my next payment is not due until August 2023). I noticed today that my auto loan was changed to a 14.84% personal loan because the bank said they were never sent the title. Has anyone heard of this before?