NCL is responsible for getting the money back to you. The cruise line can argue with whomever it wants, but nothing will change this fact. However, it should be able to get a new credit card number or send the refund directly to your bank account; issuing a check in the 21st century seems outdated. Your excellent paper trail shows NCL sent the money to Chase, which never received it, so NCL must find a way to return your deposit.
It's remarkable how NCL still resorts to writing checks in a digital age, highlighting the company's outdated processes. If they truly valued customer service, they would streamline their refund methods to avoid such complications. Ultimately, it's NCL's responsibility to resolve this dispute, ensuring customers don't become collateral damage in their internal financial disagreements, and it's baffling that customers have to chase after their money.
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