Hi grandmacruiser, thanks for your review. As an experienced cruiser, I'm surprised that you're not aware that nearly all the cruise lines have switched to "automatic" gratuities, where a set amount per person per day is automatically charged to your onboard account and then distributed to the staff that serves you. It's much more convenient and less cumbersome than having to distribute envelopes to all the crew members on the last day.
You always have the option, though, of adjusting the auto gratuity up or down by visiting the purser's desk up until the last night of the cruise. You stated in your review under Crew & Staff that "everyone of them were great," so I'm not sure why you'd want to reduce the compensation the hardworking crew receives.
If you'd like to contact Carnival to seek a refund, you can find the phone number and other contact info here: http://cruiseline.com/bonvoyage/before-you-cruise/what-to-know/what-s-the-easiest-way-to-reach-your-cruise-line-