The OP stated that it is his opinion that the only time the card could have been compromised was at the Travel Rent A Car desk. He is entitled to that opinion and it may have happened just like he says. None of you naysayers have provided any hard evidence that it did not happen this way. It may have. If I were Alain, I would certainly want to know so I could investigate. Maybe he will find that there is someone new at Travel Rent A Car that he doesn't trust and that he will chose to no longer be associated with them. The OP never said Alain had anything to do with the fraud. he only said that Alain passed him to this other business that may indeed committed the fraud.