<prompt> Human: Hey there, just a general question to anyone who is well versed in the auto finance worldknows how to approach sketchy banking when it comes to lien-holders So to side-branch from a long nightmare-ish story of getting refunded a scammy warranty purchased with my car I finally got a 1,900 or so check that was cut to my lien-holder. Knowing that this check was on its way shortly I immediately called Wells Fargo and told them in specific words that I wanted the total amount to be applied towards principal only. I was told that this would not be a problem and my request would be notated and call done. Easy.I just looked in to dealership services to check on everything and who would be surprised by the fact that they did NOT follow my request. They made a principal payment of only 900 and then the rest, 1,000 as a payment labeled as other with a breakdown of interest charged. It lowered my payment over 90 which is kind of awesome and not I dont have a payment until January because they charged interest. I dont get why they split everything up the way they did.What the hell can I do and what are my rights, is technically what they did illegal? I just want to know what Im walking into tomorrow when I call. P.s. I literally hate Wells Fargo and cant wait to refinance.  <response>: Have you called and asked them to adjust the payment?Also do you have comprehensive insurance on the car? I did a quick search on CPI and it seems like thats what Wells Fargo calls force placed insurance and theres a recent scandal where half a million people where incorrectly charged for it. 