Gave final payment. Got hit with over 350 in earl...

Gave final payment. Got hit with over 350 in early payoff fees. They took their fees and still have not paid the remaining balances. Their trying to say the have to contact the credit card company to see if they would except a lump sum payment. I will tell you that the credit card company's already agreed to settlement amount. Which company would not take a lump sum over waiting payments.....just another way to CHEAT you.