I spent over 4 hours on the phone disputing all of the charges (25.00 penalty charge, one night stay, and 14.99 booking fee). So far I received the 25.00 penalty charge and 14.99 booking fee. I'm expecting the remainder within 7 to 10 business days (though I submitted a dispute through my credit card company). I'm still hoping to receive the funds. I will keep you posted. On the call, I did ask whether I should seek legal counsel since I was never informed of penalty charges and booking fee.