I booked a cruise trip (MSC Meraviglia) via a travel agency. MSC made significant change to the planned route (Bahamas-->Canada) at the last minute and I had to cancel the trip. MSC gave me a refund of FCC, which was $300 less than I paid. I checked with MSC, and they said the $300 was charged by the travel agency, not them. I checked with the travel agency, and they said they could not refund me in my original form of payment, either. They would give me a credit of their travel agency...
I know that the FCC thing was the usual practice of the cruise industry. However, can the travel agency refuse to refund me in the original form of payment? Thanks.