I did an in-person one. The banker and then the manager looked up the account and provided details about exactly what transpired the day i opened the account including stuff I had said. The CSR that day had done a great job of documentation. There as no way that I could deny it was me, they even had a scan of my driver's license. I reported what happened, and i got paid. Not what I had expected, but no problem in the end.
Shopping Southeast Pennsylvania, Delaware above the canal, and South Jersey since 2008