Travel Troubleshooter: Bank and cruise line argue over who is responsible for a refund

DEAR TRAVEL TROUBLESHOOTER: Last year, I canceled a cruise on Norwegian Cruise Line after paying a $250 deposit. I explained that the credit card used to make the deposit was closed. NCL told me to obtain a letter from Chase confirming the closed account. Once NCL received it, the cruise line said it would send me a check.

I followed NCL’s instructions. But after I submitted my refund request, NCL told me that it had refunded it to my old credit card.