Can you post a photo of the palm, and perhaps a close up of a leaf with the spots on them? My first instinct would be that it is some sort of scale insect which are treatable via a few different methods.

okay so i tried to take a pic and this is the best i got. there are a ton of these little black spots! but they scratch right off

I see a few black spots here and there, but nothing that looks terrible honestly. Hard to say without seeing them close up, but it could be some type of scale if you can scratch them off with your fingers.

Possibly a fungus?

Doesn't look to bad,I would just clean them off by hand.