To whom it may concern, This concerns Dyck O'Neal collection agency. 
In XXXX of 2015 I was told by phone that I was past due on an account. 
I had become late on monthly payments of {$77.00} to the XXXX XXXX Mortgage XXXX. My past due amount was appx {$2400.00} according to Dyck O'Neal in XXXX of 2015. 
On XXXX XXXX I made a {$250.00} payment online. 
The XXXX statement reflected that payment and stated I owed {$2400.00} ( past due ) plus {$230.00} in late fees for a total of {$2600.00}. 
On XXXX XXXX, 2015 I called Dyck O'Neal to make a payment to be current. I was told on the phone that to become current I had to make a payment of {$1700.00}. I asked several times if this was correct and I was told several times this would bring me current. I made the payment over the phone for {$1700.00}. 
The XXXX statement reflected this payment but nothing was applied to late fees. The amount owed was shown as {$690.00} plus {$240.00} in late fees for a total of {$940.00}. 
( {$77.00} was added to each statement as that was what the monthly payment is suppose to be. ) On XXXX XXXX I phoned Dyck O'Neal and asked how much did I owe to become current. The woman stated {$950.00}. I again asked several times, " will this bring me current ''. Several times she said " yes ''. I made the payment for {$950.00}. 
The XXXX statement came and it shows that only {$21.00} has been applied to late fees. It states I owe {$77.00} plus {$230.00} in late fees for a total of {$310.00}. 
Since the XXXX statement which showed that I owed {$2600.00} ( I do not dispute this amount ) I have paid Dyck O'Neal {$2700.00}. They are still asking that I pay {$230.00} late fees. XXXX they have told me on the phone that I am " current ''.