While there are many shady sites that make you do all sort of stuff just to get a withdrawal completed, Pokerstars is not one of those.
I have been playing there for 8+ years only had to verify my account once and verify new cards as I add them. They have always been very professional with their interactions.
Obviously you using a card issued in a different country will raise red flags they would just need to verify that you are indeed owner of the card.
A regular local debit card will never work on Pokerstars. Inorder for a debit card to work it has to be either
visa or
mastercard in which case a Stars representative cannot tell the difference between debit or credit.
My advise is to talk to someone on live chat and explain the situation.
Obviously the most sensible thing to have done was to let Pokerstars know it was a debit card and that you do not get statements. They would have sent you a declaration form to fill out. I had a debit Visa I was using a while ago they made me print out the transactions and fill out a declaration form that basically stated that I was the owner of the card.
It is clear though that you do not take time to read or understand Pokerstars terms and conditions. Why else would you play just because of Christmas Chests if you understood how they work you would know that they are a complete waste.