My question involves collection proceedings in the State of: California
I had a balance of $50 dollars with a certain bank, with a payment due date on July 16 and I had made the complete payment of $50 on July 19 and thus charged a late fee of $27. As I did not pay the late fee, I was charged another late fee for the late fee in August for another $27, totaling $54. My question is if this practice is legal?
As per regulation AA: Unfair or deceptive acts or practices 12CFR227
Section 227.15 Unfair late charges
Prohibits the practice of assessing a delinquency charge on a full payment that is made in a timely manner if the only delinquency is attributable to a late fee or delinquency charge assessed on an earlier installment (referred to as "pyramiding late charges").
Would this be a clear example of pyramiding late charges? As it was clear that the only balance I had due was from the previous $27 late fee. Furthermore, I had received a letter from the company stating that they could charge interest on the two late fees, would this violate any other laws?
Any insight on this situation would be much appreciated.

