Thank you for your question. Unfortunately, if the bank cannot stop the transaction, you will have to contact the IRS to request a reversal of the payment. It is unlikely that they will do that. You may get the money back in 2023 when you file your return as that additional money paid will likely put you in a refund situation. A Roth contribution is not tax deductible so you would not receive the benefit from it on the return. I understand, and it is unfortunate that the payment was classified incorrectly.
I hope this helps.
