Am i really over reacting?

So my girlfriend is ignorant and thinks everyone is nice and nothing bad can happen in real life.
Few months ago she came home at 11pm, she had no credit to make emergency calls, she lives with relatives and they didn't know she is coming home so gate was locked, so she just waits outside and and keeps chatting with me. I asked if her neighborhood is friendly then she says no and that things happen there, but she don't have brain to text her friend and ask her to call relatives so they will wake up.(They don't know me yet)
When I said she is being careless and I worry then she tells me I am overreacting I don't need to worry. On the other hand she keeps saying "be safe" even if I am going out for a walk.

Recently, she visited this same friend and came home in evening and later slept with her window locked. She woke up at around 3am with some noise and saw that noise stopped with window half opened. She started texting me saying she is scared that something demonic saw her as the street was new and it chased her. I found it stupid but accompanied her till morning.

After 1 night it happened again, she heard noise and woke up. Window was open again she looked out and some guy was jumping over the gate. So someone is stalking her and trying to open her window at 3am.

I told her things like, keep credit for emergency calls, avoid unknown streets as she have poor sense of directions, plus she is new. Told her to avoid(didn't say don't cuz she have this attitude that nobody should worry about her and she can handle things like this by using martial arts taught by her brother) going out alone at night. And told her to stay alert and look for anybody following her at college.

Instead of saying she will be careful and alert she tells me I am overreacting etc etc.

Now here is shocking part: and may put light on how serious this thing is, she lives on second floor. So some guy stalks her to her home, at night, and climbs to her window at 3am to second floor though she have grills on window. and she tells me I am overreacting. I am shocked at this reaction and can't believe she is taking it so lightly.