I am an EU citizen. 11 months ago, I opened an account with ING bank in the Netherlands. I was working in the country and needed an account to receive my salary.
However, I never received a debit card. After some time, I have left the Netherlands. I have unregistered the address, but I did not close my account.
Today, I received a message that I should check my debit account with the ING app. I don't have an app; I can't even open it because I never used this account. I don't even know the account number.
Can you, please, explain to me what penalties I can expect to pay, and how can I contact ING to close an account? Also, is it possible that someone else could use this account to run up debts? That is my biggest concern. Also, how much, if anything, does ING charge for sending warnings? Thank you.