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Good for you using excess $$ to reduce debt.
You don't say whether you have filled out a form or are just sending in a check with a notation on it as to how it should be applied.
I'd recommend filling out a form and/or sending the bank a letter with specific instructions as to how the payment should be applied. You might also walk into a branch if there is one nearby - a live human can help cut through the bureacracy.
Can you log on to your account through their website? If so, I would also send them a message through the website directing them to apply the $$ directly to principal and not as an additional payment.
The written word is much better than a phone conversation - you have a record that you can then go back to if necessary.
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