A Divinity Original Sin 2 story.
So there is this woman sea captain, hearing a bell ringing, but nobody else can hear it.
She is in a tavern bedroom slowly going mad.
Your character eventually gets a skill to reveal the dead, you cast it in that room.
It reveals the ghost of First Mate Stubbs, he is ringing a bell and shouting " Look out! rocks ahead! take the wheel captain! HAHAHAHA!"
All with an evil grin on his face.
It turns out the captain wrecked the ship on some rocks, everyone died but her.