When I have used FBC there is an option to pay at final payment or pay now. Checking the box to pay later adds it to final payment. I assume you have three parties involved now - Celebrity, TA, and airline. The airline probably has your money, Celebrity was just the cost aggregator.. Good luck. It is largely a good program if you book flights you would normally take, not so good if you book an unfamiliar airline with seat fees and other unexpected rules. In this case it sounds like your TA did not choose wisely. You can potentially unwind it if was a cancellable/refundable fare. Fares can change daily so your cost may be different.