Around XX/XX/XXXX or XX/XX/XXXX, I banked with Wells Fargo in XXXX, Az. I had checking, savings, and credit card accounts. I was a college student and my tuition status changed from out-of-state to in-state and so the amount of my financial aid checks significantly increased. At this time, I thought it would be a good idea to try to build credit history by putting a number of charges on my credit card and then paying it down when I received my next financial aid check. 
However, XXXX semester, after I had made a large payment from my checking or savings account to my credit card account, I noticed there was still a lot of money in my checking or savings account. I went to the Wells Fargo at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and asked a bank representative where this money came from. I was told that since I had made a credit card payment that far exceeded the minimum payment, some of my payment was put back into my checking or savings account. I did not complain or ask that it be reapplied to my credit card account. 
At the time, I was not aware that cash advances carried a larger APR than purchases. It was some time afterwards that I realized this and recalled this incident. In XX/XX/XXXX or XX/XX/XXXX, I began requesting from Wells Fargo credit card and bank statements from that time period around XX/XX/XXXX to XX/XX/XXXX. I do not recall exactly when the incident had taken place and, after examining the statements, I still could not narrow down when this cash advance had taken place. At this point, I had been paying interest on hundreds of dollars of cash advances. 
It was around this time that I noticed that my credit card statement no longer showed a balance for cash advances. To this day, I have a XXXX balance for cash advances. 
I have been hesitant to bring up the whole issue with Wells Fargo for fear that the cash advance balance will return to my credit card. I do not know how much interest I paid over the years for the cash advance balance so I do not have a dollar amount that I am looking for in compensation. 
Also, Wells Fargo has asked a number of times if I would like to close the credit card account and open up a line of credit at a lower APR. I have been hesitant to do this as well, as I am unsure if that will erase any records of all this. 
Like I stated above, there is not a dollar amount that I am looking to be compensated. My intention in writing this is to inform a regulatory or consumer protection agency of this incident, in case it has happened in the past or is still occurring, and to find out if, by closing my credit card account and opening up a line of credit, it will somehow erase a record of these issues. 
