Ditto on ftwildernessguy except I pay for reservation with credit card and remainder of balance at check in. I always take my receipts and definitely bronze the receipt I get at check in. I never put a credit card on file for charges.
30+ years and not one problem.
As for dining plan, very lucky there as just use the Florida resident Tables whatever it is this year at the meal. Works great.
So sorry to hear so many are having difficulties. The Fort is suppose to be calm, relaxing and peaceful and they are suppose to have their act together.
I would contact Guest Relations, the big one, not Ft. Wilderness and express your displeasure with your experience. If enough folks complain, things might change. With the apparent difficult economic times lasting awhile, I would think more than ever, Disney will be listening.