Such a complaint is hard to defend if the customer presents a government-issued identification document. If governments can agree on certain technical standards

Such a complaint is hard to defend if the customer presents a government-issued identification document. If governments can agree on certain technical standards, even though some of them are actively hostile to each other on other important matters, surely banks can be expected to comply with some of them too. The bank is entitled to use whatever internal representation they like (although they better don't misidentify persons), but they better be able to print the correct name in forms and letters. The embossed name on payment cards is a separate, more troublesome issue. The bank should provide appropriate documentation as evidence if the cardholder's embossed name could not be spelled correctly because of limited technical standards.