As of now the fraud department of my bank is still investigating this situation. My wife has gone to lengths to investigate this herself, as well, to pass along much info to the bank. The bank has not allowed the charge to go through. I hope that's how it settles. Wife learned that the guy who came is actually the fraudster himself along with 3 brothers and their mom. They're jews and most likely not US citizens. They're pretty sneaky at what they do, and hop around the country. The truck with IA plates was rented for 1 month out of WI. It's clear to me they're breaking the law, even though my wife paid the stupid-tax. If my bank rules against us I'll close out all accounts. Credit card would've offered better protection. We'll see what happens.