Viking River Cruises review: Money stolen from checking account

Booked a cruise in July 2023. Made final payment in late September 2023. Was informed by travel agent on 9/30/23 that Viking sent notice to her (travel agent) that they would take more money from checking account. On same day, travel agent notified Viking they had been paid in full and were not entitled to these funds. On 10/03/23 money taken from checking account despite the fact they were told on 9/30/23 (the same day they requested the money) they were not entitled to these funds. Travle agent called Viking and so did I after funds were removed on 10/03/23. Throughout the call customer service agent repeatedly said a request had been submitted and it could take up to 21 business days to get my money back. Their mistake in taking money from my account and now no concern whatsoever in returning funds. They essentially stole it and feel they can hold onto it for a month. I recommended a wire transfer and they refused. Subsequent follow up by travel agent has met with negative results. They actually told her they would expedite the refund but it would still take about 3 days. How do you expedite a standard ACH transfer. I believe this was a lie. How is any of this legal?