Someone used my account to set up a direct tv account a year and 1/2 ago, because they terminated their contract early direct tv is now charging my account the balance due which is 442.72. I have an account with direct tv and my account is in good standing. They say they disclose this once an account is opened and a card is used, that they can use any card on file for charges. I never get a disclosure so how is this accurate, how can they legally do this? Its like i am guaranteeing an account without being asked or without being disclosed. how is this legal?