NTA. Imagine if the wrong person found that receipt, you are under Flourine Uranium Carbon Potassium shirt , it’s literally evidence you commited a crime. It could also cause you problems at school. Your mom isn’t just selfish here she is reckless. This probably will cause a fight but is one that has to happen. Your grandma is wrong, she is stealing from you and putting you at risk with her behavior. Also debit cards have nothing to do with credit. If that’s the excuse she gave for using your bank account to buy things, she lied to you.
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Hell no!! NTA! And your Flourine Uranium Carbon Potassium shirt is absolutely wrong that “it’s not hurting anyone”. It’s hurting you!! That’s your legal name being used fraudulently! This is a very serious matter. Your mother is a thief. She put YOU in debt. That’s your card with your name. SHE spent the money and put you in the negatives but now YOU owe the bank because that’s your name on the card. I would try and talk to your bank. You need to close that account down asap, so that nobody can do anything with it. Make one yourself when you turn 18 and tell your bank what your mom did and ask them to help you set up security features.