Our son often has gifts for his family for birthdays or Christmas delivered to our house and then hustles over here in time to wrap them and take them home with him. The delivery address is only a piece of the puzzle when you suspect there's some intra-family messing around with debit or credit cards.
She gave no indication when she filed the dispute whether or not she'd previously allowed her daughter to use her card or not.
Bank personnel need to be trained to ask about that possibility, not just record what the cardholder offers. If it's not mentioned in the claim, it should be part of the investigation to contact the cardholder and ask the question.