Santander Bank US Credit Card Complaint

Santander Bank US Credit card department,

Payoff process New Jersey

I opened a Credit card account with Santander in - and took a Promo Balance Transfer of $4500.00. I also did some purchases and keeps on paying all by purchases in full plus any fee and minimum payment on Balance Transfer. According to guidelines, the payments that I am making should be first applied to Fee & Interest then higher APR bucket. But, they apply payments to my Promo Balance transfer which does n't clear my Purchase balance and then apply Interest on my Purchases. I would like to explain this based on my - 2016 and - 2016 statements, which I will be attaching. In -, I made $4500.00 in Balance Transfer, - in Purchases and $130.00 BT fee and paid $700.00 in payments even before statement is generated. In - 2016, statement I have payments of $1100.00 which is made before my - Statement Due Date of - - 2016. Based on these payments, my Purchases and Interest & Fees of - - should be cleared and minimum payment on Balance Transfer should be covered. But, since they applied good chunk of payments to Promo Balance Transfer, Purchases are not cleared and it is rolling over and charging me interest on purchases in each statement. Now, its an ongoing issue as I am still making payments higher than purchases, but it is not clearing total Purchase balance. I have contacted them multiple times but they just keep on stating there same policy documents. I have even asked for written explanation of methos the payments have been applied, but they have denied it twice asking me to refer to card opening documents. According to me, they are not following there policy of applying payments to higher APR balance.