Their problem is with false positives they find, not true positives you find. My application for a credit card was somehow flagged as fraudulent. Chase repeatedly asked for additional forms of ID, then told me the scans I sent were illegible. (The scans were fine; I think they just needed an excuse.) I went to a branch with the physical documents, and they said they couldn't look at them. The branch put me in an office and called the same telephone support, with the same result. I eventually gave up.

I guess I'm lucky they rejected me before any money changed hands. I've heard horror stories from people with significant assets at their bank, locked out until an actual lawsuit (the letter from a lawyer didn't work) finally got their attention. I think it's like Google support, usually fine but catastrophic when it's not.