TNoldman is correct. Debit cards have insufficient protections regarding fund reclamations. Credit cards pretty much give card holders carte blanch to reverse erroneous charges and their fraud controls are always more fierce.
Also, your bank is garbage (can’t access your transactions?!). Move your accounts to a small local owned bank or credit union where they are hungry for customers and have real customer service. A bank that has issues with double charges not being dropped off properly and can’t view or find them has crap software and lousy IT support.
Get an Amazon credit card <or a reloadable gift card if she has spending issues) and pay it off in full every month. One that lets your view your statements in real time so you can spot issues right away.
“Get an Amazon credit card <or a reloadable gift card if she has spending issues) and pay it off in full every month.”
DO NOT PUT ANY CC INTO THE AMAZON WALLET!
Ditto this.