Well I think that when you use your card somewhere they are actually supposed to check your ID and make sure the card is in your name. Then when you sign, they are also supposed to match signatures I think. But a lot of times cashiers are just going through the motions, let people swipe and sign the pad or paper and move on to the next person in line.
So technically, the merchant allowed the bad transaction to occur by not following the correct verification process when the card was presented. I have no idea what the legal repercussions of that failed verification are, but that is my guess as to why the merchant is in trouble.
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'11 BMW E92 ///M3 - ZCP and DCT
'15 Ford F-250 - Lariat, 6.7 Powerstroke Turbo-diesel
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