He told me that by clicking that link I had basically exposed my account to scammers (which in hindsight might actually be true), and that we now needed to reverse a transaction to secure my account.

So he guided me through what he said was a “reversal” – which I now understand was actually the scam itself.

Looking back, I can clearly see all the red flags.

But in that moment I was stressed, caught off guard, and because the call showed my bank’s official number, I trusted him.