Collecting on ch7 dischared account??

[auntnana]

What is the name of your state? TN

Filed ch7 2 years ago. Signed all reaffirmation paperwork on car, bank "forgot' to show up on court date, they didn't turn in paperwork so it wasn't reaffirmed. Fine no problem.
I hadn'e missed a payment before and didn't up until January of this year. It was 45 days late but I brought everything back up to date.

Balance on my statement this month was higher than last so I called to check because I only have 3 payments left. The bank tacked on a $275 collection fee for the late payment in January. I ran by the bank and got a print out and it even says "collection fee' on it.

I called the bank main office bk dept. today and told the lady that they couldn't try to collect on a ch7 discharge and the account had been brought up to date 2 months before the fee was added. She said they weren't trying to collect the fee, they just added it to the account. What?????

So when I make my last "regular" payment, I still won't be able to get my title because I owe a $275 fee that they legall can't collect?

I need some advice on this because I'm totally lost on this. How can they force me to pay a collection fee that they legally can't ask for?? Isn't that some sort of extortion or blackmail?