Wells Fargo is one. You cannot unlock a card suspended for suspicious activity with the app. You must call the automated line and listen to the 5 most recent transactions. You can confirm you made them or deny you made them. If you deny, the card is immediately revoked, and a new card is issued. If you confirm, the suspension on your card is immediately removed.
Maybe the don't let you unlock on the app in case someone is in possession of your device? Via the automated line, you have to provide ID'ing information that someone with the device might not no still. Just trying to find some logic