Do not under any circumstances, deduct what you think you’re owed by your HOA. You put yourself at risk for failure to pay as required = late fees, etc. etc. etc.

It definitely is a high fee to pay a fee but not unheard of. My HOA charges $3.25 per transaction through their portal. I set mine to be drafted from my bank account instead on the due dates. It accomplishes the same thing but no fees.

Definitely talk to your HOA board/president and request a reimbursement. Most board members are reasonable and will help you.

Also, it’s to your advantage to at least attend annual meetings and be involved with your HOA. Less surprises and conflicts.