For the last 6 months I have written on my checks in the memo and call in every month to request my additional payment to be added to the principal balance and they refuse to do it. They take it off my interest but not lowering the principal balance. Every month it is an argument and I am angry and feel this is illegal. There MUST be some way they HAVE TO ACCEPT ADDITIONAL DOLLARS TO BE PUT TOWARDS THE PRINCIPAL BALANCE WHEN REQUESTED. MY PRINCIPAL BALANCE NEEDS TO BE LOWERED WHEN I SEND IN EXTRA MONEY!

requesting solution:
On the monthly statement add a slot that says
additional amount towards principal balance and read the memo on checks. Any amount that is over the min amount due goes immediately to principal balance.