MSC Cruises complaint: Run Around with my Deposit Return

I booked a cruise for 102022 in early 2021. I was living with my mom as her caregiver at the time. I booked the cruise using my debit card attached to my checking account. My mom passed away in 62021 and I could not afford to stay in the 2 bedroom apartment we lived in. I could not afford to live in Round Rock, TX any longer so I had to move to College Station, TX and had to close that checking acct and reopen a new one at a new bank. I was not going to be able to afford a cruise so I needed to cancel and I canceled well within the timeframe allowed. I really could use the $199 at this point as I am on a fixed income. When I called in June, 2022 to cancel I explained that my original form of payment no longer existed. For almost a year. So I was told that was fine, they would send me a check to my new address. By August 2022 I still did not have a check. I was told that it had been processed and I should receive it by September 12, 2022. I still did not have it. It has now been 3 months. I called again. I’m told that they have to send it to the bank, they cannot send me a check. I told them the bank will completely reject it because it has been so long and this is what they told me. Did not matter. I was told to wait 2 weeks and talk to my bank. I told them they aren’t my bank anymore! Now it is December 2022. MSC told me the bank can write me a check—I responded saying that isn’t their policy, right? Otherwise they could have just written me a check at the beginning. They say my old bank has the money. My old bank says their system would have rejected it immediately because I had closed the account awhile ago. I went back to that branch and sat to talk to them about it. I still don’t have my $199. I just tried to call MSC on 1227 and I have to go through the whole story again and they transfer me to customer service who I had asked for to begin with and I get disconnected!!! I am frustrated and just at a loss at what to do at this point.