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Thank you for your question.
What this means is that the ex-boyfriend also provided the card number to DirectTV as a method of payment for not only the installation charges, but any other charges due. In the customer service agreement, Direct TV reserves the right to charge any card provided for any amount due.
However, the card needs to be in the name of the person signing the contract, as that person is the only one who can authorize payment from the card.
Because your sister did not actually sign an authorization, DirectTV did not have authority to charge the card. So Direct TV is in the wrong for charging the card.
The next question is what you can do about it. Direct TV will not likely return the money voluntarily.
You stated taht she has called Walmart Card Services, is that the issuer of the card?
She filled out a Transaction Dispute Form and faxed it to Walmart card services. They contacted DirectTV and DirectTV told Walmart card services that per their customer agreement she is liable. BUT, she is not their customer and is not listed on the agreement. Should Walmart request a copy of the agreement or something?
Absolutely. She needs to contact WalMart and let them know that she was NEVER a Direct TV customer and that this was someone else's account that used her card without authorization.
If WalMart won't help out, the next step would be to sue DirectTV in small claims court.