Im looking for advice

Tell me how I had ordered some stuff on whatnot but then i saw the total it was $630 which didnt make sense to me because i only got stuff that was like $3, $11, $21 and so on and so forth. Basically stuff that wasent expensive. However, the shipping which i didnt know about was like $20,$15,$10. My heart dropped. Tried cancelling with the merchant and NOTHING. Took pictures of me trying to cancel and sent it to Navy federal. I called and i told one of the reps like hey can you do anything to help me and one of them said no so i called again and a different rep answered. I told her about the situation and she said oh this sounds like fraud and told me to report it as FRAUD. Now Navy federal suspended my debit card use for a year. Last fraud claim i had was 3 checks that totaled $1200 which i was left to pay and that blew. All i wanted to do with that $630 was to dispute the transactions and prevent whatnot to charge my card. Ive tried explaining this so many times to Navy federal and they still suspended me. I even went as far as asking for an executive level review after trying to speak to a manager and being hung up on 5 times!!! Still suspended. What in the…. They told me i had 5 different fraud claims im like dude 3 of those were the bad checks which MAKES SENSE. And this one was the one that YOUR REP TOLD ME TO DO!! I dont remember the other one but WHAT??!!! I rely on Navy federal. I have an Infant. I pay bills with it, bills that only require a debit card. I asked them to review the call from that day and i even apologized and took full responsibility. Has anyone gone thru this? Because this blows