I have a BofA Credit Card and had odd charges from eastern europe show up on my statement a while back. All I had to do was call them and they immediately reversed the charges, canceled the card and sent me a new card. All I had to do was re-do my automatic payments since it was a new card with a different account number.

I think the key problem here is you mentioned you have a debit card. Those are not credit cards (even though you can use them like one). Different rules and protections (or lack of) apply. IMHO, once you get all this sorted out, is to quit using your debit card and start using a credit card. You have much stricter liability protections when using a credit card.

Here's a quick read on the differences between a CC and DC. Notice the difference in your liability when fraud occurs: http://www.stretcher.com/stories/00/001218d.cfm