The wise thing for you to do is to immediately contact your bank and report all the facts to them, and immediately contact the police and report all the facts to them, and then get a copy of the police report, and give a copy to the bank (make sure you keep your own copy). It is possible that when your bank follows up on the debit card use, they might be able to pinpoint who used the card, and if they can, then that information will help you to recover your money from the perpetrator. Whatever you do, don't go accusing your roommate to his face or to anyone but the police and the bank. Get the facts straight, otherwise you might unwisely end up accusing the wrong person. Thieves are good at stealing things in such a way that another person appears to be the perpetrator. On the other hand, some thieves are stupid enough to be the obvious culprit. Thievery is stupid and foolish regardless of whether or not the thief does so intelligently or not. Act quickly, do not delay even for a day.
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My colleague is correct. File a police report AND contact the bank.
DISCLAIMER: Brandy A. Peeples is licensed to practice law in the State of Maryland. This answer is being provided for informational purposes only and the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship. For legal advice relating to your specific situation, I strongly urge you to consult with an attorney in your area. NO COMMUNICATIONS WITH ME ARE TO BE CONSTRUED AS ARISING FROM AN ATTORNEY-CLIENT RELATIONSHIP AND NO ATTORNEY-CLIENT RELATIONSHIP WILL BE ESTABLISHED WITH ME UNLESS I HAVE EXPRESSLY AGREED TO UNDERTAKE YOUR REPRESENTATION, WHICH INCLUDES THE EXECUTION OF A WRITTEN AGREEMENT OF RETAINER.