Don't know what country you are from but guess your acquiring bank gets orders of magnitude less fraud than Stripe does so your bank can afford to take your calls.
It boils down to wildly skewed regulatory environment in the US.
They probably have orders of magnitude less revenue with which to pay customer service agents than Stripe has (or would have, if they hadn't delegated their customer service to the machine in the sky).
We see this in many circumstances: centralization and scale are great for efficiency, but bad for resilience.
