How may I help you ?   I ’ m having a problem .   What is it ?   I apparently owe some fees , but I never got the bank statement .   I do apologize for that .   My fees went up , but I didn ’ t even know I had fees to pay .   I see your problem .   What are you going to do about it ?   I will cancel the fees you owe .   I don ’ t have to pay any fees ?   You ’ ll only have to pay the initial fee . 