Direct TV ripped me off for an account that was not in my name phoenix Arizona

On November 10,2015 Direct tv charged my debit card for 292.83 for an account that was not mine. I had let my younger sister use my card a couple times to pay her bill because she did not have one and they were about to shut her off so she needed to pay right away and could not send it through the mail. She cancelled her service at some point and left direct tv to go to time warner cable. When I allowed her to use my card, I made sure she told them that this was only for one time use and could not be used for any other reason. I didnt even realize they had taken the money out of my account until i tried to take money out of the atm and it said i was -81.00, i called and flipped out.

They tried to tell me that they read a credit card disclosure to my sister which stated that if she cancelled service early and there were any left over charges they would charge the account on file. Problem with that is when she used the card she told them it was not to be saved on file. On top of that I believe if they are to read a credit card disclosure of that kind then they need to read it to the card holder themselves and get agreement from that person. I am disputing the charges not only with direct tv but with my card also, which is still not working in my benefit since my debit card company is not anymore helpful than direct tv was. I am so upset about this and I warn anyone, do not allow anyone to use your card to pay anything family or not because in the end you just get screwed over for something that is not your responsibility. I do not believe I should be the one who is being held accountable for the fees that my sister owes regardless if a "disclosure" was read or not.