Missing refund

Hi I purchased tickets for a MSC cruise in 2017, the cruise was booked for 2019, due to Covid 19 the cruise was cancelled. I requisted a refund as the second cruise in 2020 was also cancelled. MSC did refund me, I filled in a refund requist and stated to which bank account it must be paid, they ignored this and paid it back to the original FNB account which I have closed down in 2018, hence the money is lost somewhere. I contacted MSC, FNB and Nedbank and no one can help me, saying the money is whith FNB, and FNB says the money bounced back to Nedbank, Nedbank says they dont have it. This is shocking as the banks are the only powers to track this missing money. And MSC basically want no responsibillity seeing as they did not follow the details on the form I send my refund requiest on. Can FNB, NEDBANK AND MSC please track this money and refund me to the bank account I requested from the beginning...in 2020 DEC.