What started this all was small $12.96 charge to company I never heard of, BLS Weblearn. They are based in Malta. They evidently used that charge to see if my card number worked. After that - well, someone had a great time in the Netherlands.
My Credit Union should have me back to normal within a week - but as a warning to all of you check your account daily if you can. If you see BLS Weblearn on your statement cancel your Debit/Credit card immediately! You do not want to go through this - trust me, it puts you in panic mode when your lender calls you to tell you your mortgage payment bounced.
As a side note - the only company that refused to work with me until I got my finances straightened out was my student loan company. American Educational Services - You can suck an egg!