Hi -- I have XXXX interest rates on my WELLS FARGO XXXX VISA card : ( a ) Purchases at 15.240 % ( b ) Cash Advances at 23.990 % XXXX of my purchases was applied to the Cash Advance Balance, so I am being charaged XXXX interest rates. But my payments are only being applied to the lower interest rate XXXX. According to this the new Credid Card Reform Law of 2009, " credit card companies must apply payments minus required minimum payment amount, to the highest interest rate balance on the card. '' XXXX That 's not happening. WELLS FARGO is applying payments ALL to the BALANCES with the LOWEST INTEREST RATES XXXX 

I called Wells Fargo today ( XXXX, XXXX/XXXX/15 ) for 1hr 15minutes, explained the situation over and over again. Eventually a representative said, " there was nothing they could do, this is their company policy. '' When I informed them that this was against federal law, the representative still said there was nothing to be done. 

Aside from the fact that this will cost me thousands of dollars -- this is just plain illegal. Let 's please enforce this law on Wells Fargo and protect me and other consumers like me. 

ThanksXXXX 
