If you can talk your way out of it in person the account isn't frozen, at most it is flagged as potential fraud. Most bank fraud departments have first line fraud detection analysts in a call center where if the system detects fraud that department are the only ones who can remove the account freeze and if they get even a whiff of suspicion from a "customer" calling in to get the freeze removed it gets pushed up the line to specialists whose whole job is to do deep investigations into accounts to catch potential fraudsters. The first line might have you get in person to a branch for ID verification but the fraud department are usually still the ones who have to manually remove the freeze once it hits the work queue.

Putting an account negative like that on purpose is an easy ticket to the bank being audited. Hell doing it on accident would probably get the bank audited.

Source: worked as a fraud detection analyst for a major bank