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scams bank-account iban

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March 7, 2025 Score: 20 Rep: 194,087 Quality: Expert Completeness: 30%

Would I be better off calling the customer service for the Worldline Financial Services I found online, and ask them to cancel anything I might've been signed up for?

I doubt they have any way to identify you based on what you've described even if it is a valid charge of theirs.

Or do I take this immediately to my bank, call them first thing in the morning (they're closed now) and start arranging for a new bank account?

Yes, that would be my suggestion. I don't know if arranging for a new bank account is necessarily the solution, or something else, their anti-fraud department will need to evaluate that.

Would first thing tomorrow morning be fast enough?

Since you mentioned Ireland and IBANs, I'm assuming this is a SEPA transfer. These can be reversed by the sender, or rejected by the receiver. Your bank would know how to handle this. If the bank has a 24/7 customer service call center (which you'd call if your bank card was stolen, for example), you may want to call them. If not, and the bank is closed - there's nothing much anyone can do with regards to the money at this point of time anyway, but if you feel you're in an immediate danger you may want to call the police.

March 8, 2025 Score: 59 Rep: 805 Quality: High Completeness: 20%

I just contacted the bank's customer support, and it turns out this was just some weird transaction from a reputable webshop I do use all the time. If I pay them, the transaction just shows the webshop name as the account name and goes to a Dutch IBAN. Apparently, when they pay me back, it doesn't come from the same account but from a different, foreign, IBAN with no reference at all to said webshop in either the account name or the transaction description.

I also contacted the webshop's customer support, and apparently I used a discount code on my last order and apparently overpaid by one cent due to a rounding error, which is now dutifully returned. I left feedback that it may be worthwhile to look into their account name or transaction descriptions to not scare people shitless like this.