I have been a mortgage account holder with U.S. Bank since XXXX 2014. With each month 's payment I send an over-payment to be applied toward the principal, not a prepayment of future months ' bills. Per the bank 's various operators ' instruction, I have included a note to that effect with each payment and my account is noted in their computers that all over-payments should be applied solely to principal. 
However, every month the payment is misapplied as a future month 's payment instead of a reduction of principal. And I have to call U.S. Bank each month to request a correction. 
I consider this practice to be the bank 's blatant disregard for my payment instructions solely in an attempt to garner additional accrued interest on inaccurately large principal balances. This practice must cease, and should be investigated. 
