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Are all your cards reporting a 0 balance? If so, u can see a ding in score from that. Best to have at least one card report 1% utilization.
when u paid off your loan early, it closed the account. I have had a small ding in score from an installment loan reporting closed.
Scores should rebound quickly though if u let a card report a small balance.
Don't waste your time and add to the frustration by talking to customer service. They don't understand this stuff any better than we do.
OP, what are your scores? Do you have CC reporting balances? How much in total CC balances, compared to the credit limits on those cards?