Hello nvlo, welcome to flyertalk. There is much to learn here and you get lots of advise. I hope this will not be your one and only post, seeing that you joined recently, do stick around. Its bad that this happened to you, seeing that it was a prepaid rate as you mentioned, however, when making the reservation, did you advise the hotel your arrival time? When making a reservation, there is an option to advise of your arrival time, or make special request.

You mentioned that you drove from Florida to Ohio, I can only imagine how tiring and time consuming that is. Let alone arriving so late in the night, 3AM, only to find out you have no room, and have no idea where to go and pay the local rate. Me, I would have stayed and slept in the lobby, they probably have a public bathroom, water fountain, snack, and it will be bad publicity for the hotel seeing that they gave your prepaid room. This would have forced them to find you a place to stay. 2000 points is nothing for the inconvenience. I agree with the comments others made regarding calling the hotel while you where on the road. You certainly had a chance to indicate your late arrival and hold your room. A simple 5-10 minute call would have save you a lot of headaches.