TURNS OUT . . .
I had been relying on my debit card to simply deny any charge that went over my balance (I live right on the edge). But I had somehow linked my Amazon Marketplace purchases directly to my bank account. So I purchased an $18 packet of seeds from Indonesia, which with postage went 27¢ over my balance, so my bank charged me $36 . . . and Amazon charged me another $25. Four hours on the phone later, I got the $36 waived and the $25 disputed. And my bank account info deleted.
And no, the seeds are not magic beans. But they’re rare plants I intend to sell @$100 when they sprout.