... no Catch-22 here when it's clear the banks are calling the shots no matter what the customer claims. Ie. nothing improves or in your case, no need for improvement. Just hope you don't fall victim to fraud (very unlikely as you're too smart).You do see the catch 22, right?
Where the scammers have coached the victim for what to say and to avoid talking to anyone else where the victim goes along with it - there is almost no possibility for a bank rep to find out or to get the victim to reconsider what they are doing.