Earlier quoted context omitted.
Wouldn't that allow somebody who stole your phone to lock you out of your bank if they answered the call? Seems like that'd make a stressful situation potentially worse if thieves knew they could do that. Especially if they called from a number that's linked to the bank anywhere and something like Google's dialer surfaces who it is - your bank calling seems like a potential "maybe I can get more" for a thief so they…
I would prefer that my bank, if it detects fraudsters trying to pull some sort of trick involving my account, to freeze things until I show up and present ID. That's inconvenient, but clearly better than the alternative.
I called up, asking why there was a hold, they said I put it there, I said I didn't. There was a long pause, followed by "for security reasons, we won't be able to help you with anything related to your accounts until you come into a branch and present photo ID".
It was a bit inconvenient, but I have to say I was pretty impressed.