Nice try - unless this was an online transaction...which it wasn't...name doesn't appear in most swipe transactions. Track 2 is the dominant data set for face-to-face transactions and the name of the card holder is not contained in track 2. The name is only visible in track 1 and track 1 is almost always dropped on the floor at the POS. The most likely case was that his card is not used very often and the transaction location or amount was outside of the issuer's boundaries. Name had nothing to do with it.