Who's To Blame?

Glen says someone used his ex-wife's debit card to rent a car. The checking account was wiped out by the rental car company, and Glen wants to know if they're liable.

QUESTION: Glen in Nashville says someone used his ex-wife’s debit card to rent a car. The checking account was wiped out by the rental car company, and Glen wants to know if they’re liable. Dave doesn’t think the rental car company is to blame here.

ANSWER: I guess the only thing to do is get on the phone with this car company and see if you can get someone on the leadership or management level to give you some help with limiting this. I don’t know what your wife’s exposure is, but she voluntarily put up the card. It was not stolen, so she’s definitely liable for some amount of money here—I just don’t know how much.

Her checking account could be wiped out because she gave them her card. It doesn’t amaze me a bit. When you use a card, you don’t sign anything until you pick up the car. The girl went and picked up the car, your wife didn’t.

I don’t think we blame the rental car company here. We can blame the friend who is a crook. Hopefully, the rental car company will work with you and not take a huge amount. They at least need their fees for renting the car. That’s the minimum, and I guess your wife would be liable for more than that.

My guess is you’ll have to shut that account down completely. Try to figure out from there what you’re going to do. I’m going to have a hard time blaming the rental car company here because they didn’t do anything wrong.