U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Balance transfer California

I have a credit card with - balances ; - balance is a transfer rate at 0 % and the other is purchases I make on my account. I am making excess payments that I understand from the Federal Credit Card Reform Act that should decrease my balance on the interest part of the card, however I am told by US Bank that that is not correct and I must pay off the card before the interest part of the account starts paying.