Let's start at the beginning: On your original confirmation email (for the reservation you thought was refundable), what exactly does it say under "Cancellation Policy"?
Here's an example from one of my recent confirmation emails:
- You may cancel your reservation for no charge before 11:59 PM local hotel time on Thursday, February 6, 2020 (3 day before arrival).
- Please note that we will assess a fee of 104.48 USD if you must cancel after this deadline.
What does your confirmation email say?