Let me see if I understand this.

* You booked a room through Expedia.
* Provided your credit card # upon check in, which presumably had a hold put against it for incidentals.
* If all was correct you should have been good to go. Or they should have raised issue at checkin, not after the fact.
* When you picked up your meal, what specifically did they ask you to do re: paying for the meal?
* When you were told on the first call that it was a cc issue, why did you tell them you would deal w/ it in the morning? This part confuses me. If I'm told there's a cc issue, I'm on w/ the credit card asap as well as the hotel.
* The hotel, thinking for whatever reason there's a problem, asks you to pay for it (because it's literally a consumable item), and you decide to send it back rather than walk down & give them the $10.
* I totally get why you're upset as it's interrupting your meal & it's also a cc issue.
* But I definitely don't get the just getting the cc situation sorted right then - and more importantly I don't get the cancelling the room over the next 3 nights if you needed to be there.
* And lastly, while I've never booked through Expedia, I can't see them giving you a refund for the 3 nights. Nor do I think the hotel should. Perhaps, some token of appreciation, apology, etc.

I get why you're upset, I get why an apology is in order if this went down as described, but not to sound like Chris Elliott, there are things you could have done as well as things the hotel could have done.

And back to your question, no I've not experienced a similar situation.

Cheers.