said by The Dv8or:Holy f**k! The paranoia is out in full effect! "You must pay, or the SS will come to your house with guns and drag you to hell".
Lighten up a little. Has it occurred to you that there are all kinds of protections a credit card purchase offers?
What the OP has described here is FRAUD. Can it be proved in court? Maybe, maybe not, but make no mistake, taking something of value that you know doesn't belong to you is theft in both a moral and legal sense.
When (not if) the MTA corrects its records and comes for its money "credit card protections" won't count for a fig.
The OP will have to cough up all the money out of his own pocket - and any attempt to evade that responsibility could be met with theft charges being filed.
Will it? Probably not. Could it? You betcha.