What can one do when a merchant knowing accept a credit card?

What is a persons options when a merchant knowing accepts a credit card from someone else and allows that person to sign a fordged name in front of them?

This happened to me: My daughter used my husbands credit card to get some scum bag out of jail - someone I don't even know! the bail bonds place knew this was not her credit card and allowed her to sign my husbands name in front of them. The amount was $1,000.00. When I heard about it I contacted the credit card company and the amount in question was in the process of being processed, but not yet as nothing was charged to my account as of yet. I asked them to stop the payment as it was not autorized. They then listed my card as stolden. A couple days later a investagator for my credit card calls me and I tell him the situation. He says there is nothing I can do, that it doesn't matter if the merchant knowing allowed this to happen. Either I pay for it or I turn my daughter in to be prosecuted.

Now a couple questions - how come the merchant is not liable in the least, or the bail bond place rather?
Also if it was still in processing when I called why did my CC card carrier why did they allow the payment to go through?
Is there anyway around this or what are my options?

Thank You,

I have A+1 credit and would like to keep it that way!

I just don't understand why a company can knowing accept a credit card from someone else and allow them to forge a name right in front of them!!!!

[nailtech]

why are you not blaming your daughter, after all she is the one who took it**************..???

if you value your credit so much, turn her in and let her suffer for her actions and regain your credit. after all it was used with out your permission, so it was stolen, you will only have to pay a 50.00 minimum and the rest she should pay on restitution and your credit will be saved...

if you value your daughter, pay the price of the Credit Card debt....

the choice is yours......

and it's no ones fault but your daughter's...

Yes I do hold her responsible - Believe me she feels HORRIBLE! I have even thought she might do something stupid to herself, as she feels so bad. And rightfully so! I will make her pay me back. Probually take 15 years but she will pay me back. She is pregnant as I found out after all this happened. so another log on the fire!

But it still is alarming when a merchant can do this knowing what they are doing. And not suffer any consequenses what so ever! This means no one is safe!

And also I called in to my CC card in plenty enough time to stop it as it was not processed yet. And my cc card still let it go through. As I am sure they do not care as long as they get the money.

It just seems pretty sad the way the system is!

If other words there would of been NO WAY to stop this after she intially did it. Even though it had not been processed yet!


But thanks for your good legal advice.

Once the transaction has begun its travels through the system, you need to wait until the bill comes (or it shows up on your internet statement) before you take action to dispute the charge.

Once you receive the bill, you need to contact the credit card issuer and dispute the charge. When you do that, the bail bond agency will likely revoke the bail bond for the person your daughter helped. Or, if the agency decides to fight it, your only other choice may be to call the police and file a complaint against your daughter.

Without a police report, the credit card issuer won't seriously investigate a fraud charge. So, you have a choice. Pay the $1,000, or call the police on your daughter.

If your daughter is hanging around the type of peope who get arrested, and now she's willing to commit forgery/theft, a visit from a police officer might just be what she needs to set her straight....