Ibooked a Carnival cruise through American Airlines Cruises travel agency in February for a July sailing. I paid $3,738 upfront, plus $342 for trip insurance.

When we canceled in mid-March, the travel agent said Carnival would refund $3,300 but withhold a $500 penalty for a “nonrefundable promotion rate.”

Nobody mentioned this fee when we booked. The travel agent told us to take it up with Carnival, and Carnival told us to contact the agent. The insurance company also refused to cover the $500.

When I asked Carnival to explain the “promotion rate,” they redirected me to the agent, who claimed they couldn’t access fare details. I’m stuck in a loop. How can I get my $500 back? — Cory Belkov, Virginia Beach, Virginia

Carnival and your travel agent had a duty to clearly disclose cancellati

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