When I received the account details it was clearly stated that the account was opened with a VPN and an IP from Austria.
I even remember it was stated the VPN used was from protonVPN. This is not something I could make up, and I have no reason to lie to @Lucius. I had even talked about it on the french forum.
Good that you have written, now I understand where this misinformation is coming from You are mixing up the words, I have written "accessed" or "initial setup" most probably, but not "opened". Opening a bank account and registering for online banking are two different things. Opening a bank account/applying for a card is a procedure which requires physical presence in the bank branch. Online banking can be set up up later online, but only after you've gone through all the administrative procedures, your initial application has been approved and you have received your debit card.
Now let's get back to your case specifically, it will help everyone understand that your statement regarding "opening account online via vpn" is indeed misleading. You have the card from us which is issued by vtb.ru bank. Vtb is one of the largest russian banks. https://en.wikipedia.org/wiki/VTB_Bank Its account opening procedures are explicitly described on the official web-site. This information is public. You can also call the bank and find out directly what do you need to open a bank account in there, the first requirement will be personal presence in one of the bank's branch.
I believe to have explained this well enough. If you have any constructive questions, feel free.