I received a short message from ICBC, saying that my online banking account spent++money. I immediately dialed 95588, saying that my account was abnormal and suddenly spent++money.

First of all, I think you should analyze the reasons yourself. Why do you spend money on online banking? Are you on a phishing website yourself? Or is the online banking password leaked? ICBC's short message, is it the official short message number? No matter whether the text message of the expenditure amount is before or after you call the customer service, if the expenditure occurs later, and your telephone recording also mentions that the customer service has been frozen, it is their dereliction of duty, and the bank is not responsible for the expenditure that occurred before the freezing. Unless it is caused by system reasons.