I had a kind of positive experience on fraud in that my bank froze my card when I used it for a few purchases at a shopping center about an hour away from where I live for a few $100-200 purchases, wasn't a place i'd been to before (was in Australia and an AU bank). Was declined in a store and had an SMS a few minutes later. Called them up (checked their support number on their website) and confirmed who I was and unlocked. Oh and it was on the weekend, got straight through, phone menu did list fraud or issues with my card sort of messages.
I don't know if it was a good or bad thing, I mean it took 10 minutes of my day but I feel like it was appropriate. This was going back a few years.
These days I can freeze my card with an app on my phone and approve purchases with MFA, so much easier. Realtime payment info as well. Seems like the big historically major banks are dragging their feet on some of this.