I have the opposite experience with zipcar, artsy. I've been a member for 3 years, and have had very few problems. When I do, they are always resolved when I call zipcar. On the RARE occasion that my car hasn't been there (someone didn't return on time or something else), zipcar paid for my cab fare. There are serious penalties for people that return their cars late, so I think you just got unlucky. Being late just itself costs $35. If someone has it booked after you, then it gets significantly more costly to you for being late. If the car isn't there at the start of your reservation, call zipcar right away. Let them deal with it.
Leaving the radio on full blast would also be something you could call in about. Members are responsible for leaving the cars in good shape - that would apply to leaving the radio on blasted.
I can assure you that if you write a letter to zipcar, they will probably be able to help you out.
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