<prompt> Human: I need some advice! Long story short, my ticket listing on stubhub was sold and I could not find the tickets anywhere. I contacted stubhub and notified them immediately. I never got paid for the sale, which is totally fine, however stubhub is charging me a 40 penalty of the sale price. I refuse to pay this and removed my credit card from their site. Since they cant get charge my card, theyve been emailing periodically. Finally, they are threatening to send my unpaid balance less than 100 to a third party collection agency. What are my options? Will they really send to a collection agency? Id hate to ruin my credit over this but I really think this fee is a bunch of crap!  <response>: You have to think about it from their perspective. They have a reputation to keep as a trustworthy reseller. If they dont charge fees like this people wouldnt be discouraged from making fake listings. Just pay the balance and use it as a lesson to keep track of things youre selling. 