It would seem the the shop owner is at fault. However, what happened could easily happen with any [product in any retail venue. In many stores, clerks never so much as handle the card,especially on small value transactions, because the customer swipes it and signs electronically. In addition to my signature, I have SEE ID written on all my CC's. I am asked very rarely for my DL when I use my cards- because clerks often don't pay attention. I also have to wonder if the card used was actually imprinted with Patricia's name. Some banks program the primary cardholder's name to print onto the reciept even if the card swiped is a secondary user (with a second card with a different name printed on it). There is too many questions that are left unanswered right now.