Not to mention the "don't worry, we've put a sticky note on this account so it won't happen again (to you)" instead of an "oh shit, we need to immediately stop

Not to mention the "don't worry, we've put a sticky note on this account so it won't happen again (to you)" instead of an "oh shit, we need to immediately stop and fix this automated process that is catching legitimate customers and banning them with no recourse."