Haven't experienced what you did & it certainly sounds frustrating. Had something similar though.

Made a reservation 9 months out for a int'l property; used cc to confirm that I closed a few months later. When I checked in they swiped the new card & put the appropriate hold on the card. When I went to check out (at 5am European time to catch a flight) they asked if I wanted to keep it on the same credit card. I said yes, they said card denied. I spent a lot of $$ on phone call back to the US before we finally figured out that Marriott clerk was trying to charge the card that had been closed/the original ressie had been made with & not the one given to them at check-in. Grrr!

And this year (same property) if they tried to do the authorization w/o swiping it got denied, but if it was swiped it went through no problem. Go figure.

Cheers.