Chase Bank debit: Do you have any idea what you're doing?

You calling the bank is the safest way to clear things up. Then you know it's really the bank you're speaking to.

Accepting only a phone call 'to you' or a text or email...how do you know it's really the bank you're dealing with?

By the way, credit cards are safer than debit cards. Just pay it off completely each month and it's just like paying cash with no interest. Get a credit card that gives you cash back. It's a free gift of cash for using the card.