Sorry to hear that Dew, but since you didn't do anything wrong, there's nothing to worry about.
Regarding ID theft stories, a few months ago I went to pay for groceries with my bank card, and the machine said "Insufficient credit. Contact financial institution." or something. I knew I had plenty of money, and tried it again. It didn't work. Luckily, I had cash on me to pay. Anyway, I went home, checked my account balance and it was fine, so then I went straight to my bank.
They said that some bank machine I had used recently was sabotaged (probably the person installed a card reader), and once the bank found out, they flagged everyone's accounts that used that machine that day. Basically the "Insufficient credit" message was just to get people to come to the bank, in hopes of eventually tracking down the thief. For me, they just asked me for some other forms of ID, then they destroyed the old bank card and gave me a new one with a new account number.