[speaker001:] How may I help you?
[speaker002:] I 'm having a problem.
[speaker001:] What is it?
[speaker002:] I apparently owe some fees, but I never got the bank statement.
[speaker001:] I do apologize for that.
[speaker002:] My fees went up, but I didn 't even know I had fees to pay.
[speaker001:] I see your problem.
[speaker002:] What are you going to do about it?
[speaker001:] I will cancel the fees you owe.
[speaker002:] I don 't have to pay any fees?
[speaker001:] You 'll only have to pay the initial fee.
[speaker002:] That 's fine. I appreciate your help.