This happened to me too. This is what happened...
Scammers steal/buy our credit information from and online vendor. This can be anything from an insecure transaction, hacked database, keylogger/trojan virus or even a slimy vendor that sells information to groups.
Our information and debit card numbers are then pumped into a "spamming program" of a sort, which randomly signs us up for online services, and small purchases. It happens in such a time period that it flags the Visa fraud detection (supplied by Visa debit cards), which in turn sends you an automated phone call, letting you know that there may be some phony charges on your account.
You, the account holder panic and call your bank, Visa, etc and fix the issue by canceling card and verifying your information.
NOW HERE'S THE CLINCHER: About 24 hours later, you may receive a call on your billing phone number from a strange phone... for me it was (000) 000-0000 (which is usually an internet based relay call). The voice on the phone was all "text-to-speech" and computerized. It told me that there was a security issue with one of my accounts (didn't mention the bank or the account number) and I needed to verify my personal and banking information immediately in order to regain access to my account funds, otherwise I "would no longer have access" to my own account (which ironically, I already resolved the issue 24 hours before in the lobby of my local branch's office).
This is where I hung up and phone and had an epiphany. All of the items and services that were purchased, were all shipped or registered to my billing information. There was no gain there for the suspects... therefore it was simply and attempt to flag my fraud detection and get the "paranoia ball" rolling.
Once you get into the habit of giving people card numbers, socials and other personal information, I suppose it's pretty easy to become statistic with no money left in his/her account. I suppose this scam was thought up to prey on dim or naive people.
York Photo, Netflix, Colombia House Video, Match.com, BBpeoplemeet.com (fat people dating site!), YourMusic.com, Napster, iTunes, Paypal... were some of the charges on my account... none of which are to blame for this. Every one of them was more than pleasant when I did a followup call and all of my money was refunded.