Hugs! I hope everything goes as well as possible on your end. If I were you I would go to the end of it and even try to get legal help, but that is just me, and I know how stressful this kind of situation can be.

There is a contract in place. If you decide to drop your cell plan they charge you for it. If you decide to switch your mortgage to another lender, the original lender will penalize you for it.

Maybe the problem is with the wording in your contract. I read somewhere before that if you call it "deposit" you could have situations like this, that is the reason I now call it "Enrollment fee"