Similar problem here, but in many ways worse.
My guest messaged to tell me that she had a death in the family and would not be coming.
She said that she knew that it was too late to cancel and ONLY WANTED DOCUMENTATION OF THE COST SO THAT SHE COULD MAKE A CLAIM WITH HER TRAVEL INSURANCE.
Airbnb got in touch with her, and instead of giving here what she wanted, offered her a refund WITHOUT TELLING HER THAT IT WOULD COME OUT OF OUR POCKETS, so, of course she took it.
Then, when I argued to Airbnb that they had no business giving her the refund because she didn't need it or ask for it, a support manager told me, well, she would otherwise be entitled to a refund, but because she never cancelled the reservation, the policy would not apply to her. Ok, right result, even if for the wrong reason.
But then, a day later, I hear from another case manager that they are going to RETROACTIVELY cancel the reservation and give her the refund out of my pocket. Since then, I have called in several times, and all of the reps I have spoken to have responded like robots, "she provided the documentation, so the policy applies." But what about the fact that she didn't even want a refund from you??? "She provided the documentation, so the policy applies." The fact that they have screwed the host when there was a travel insurance company who got paid to make sure that everyone could remain whole in just such an event means nothing to them. I have honestly never encountered such a callous bunch. They simply do not care that they have screwed the host. I also think that there must be something else going on here that is making Airbnb so itchy on the trigger to give these refunds.
Bottom line; I do believe that if Airbnb does this on a regular basis, as it seems they do, there is a valid class action to be filed, and I believe that the discovery process would yield interesting information. Has anyone taken any steps yet? If not, could you please respond here if this is still a live wound for you? I would like to get an initial sense of how many people have been affected and care.