The hotel refunded the pending transaction, so they are the party that suffered the financial loss. If they hadn't done that, then the credit card company would have done a charge-back on the disputed transaction and made me whole, and I wouldn't have suffered a loss in that case either. The first question the police forms for reporting fraud or cybercrime are "how much have you lost" - they don't care if it's 'nothing'.
It's the hotel that has to clean the room, has lost consumables, and has lost revenue from it not being available to be booked...
It's the hotel that has to clean the room, has lost consumables, and has lost revenue from it not being available to be booked...