It could be a genuine misunderstanding by the client to the origins of the payment on their account statement. Often sole traders or partnerships the trading name can be different to the bank account/name shown on the transaction.
Notwithstanding this, there is also chargeback fraud:
where some individuals think that it is a way to ‘steal’ from businesses. It is a crime and if intentional, may result in charges being laid.
Assuming the service was delivered to an acceptable standard, it appears that the payment was made in person and the services were not disputed by the client, I believe that it would be difficult for the credit card chargeback to be successful.
If a stolen credit card was used and chargeback proved successful, I expect that your daughter would have information on the client to take to the police so that she can take action.
