We are from Wisconsin and while I am not blaming Jamaica for the fraud that occurred 5 weeks after our return, I believe that is the source of our fraud - I base that on the fact that both my husband and I had fraudulent activity that occurred on the same dates at St James/Texaco via scotia bank and our debit cards are from two different banks. We don't use ATMs at home, but did use them in Negril. That would be too much of a coincidence for even Vegas to lay odds on Also - we both have the chipped cards and only used the cards at ATMS, not at any businesses.