Coinbase has always worked fine for me and never had any front-end issues with my bank over using Coinbase. The only downside is that it takes 5 biz days to get your coinage. Buying/selling coins doesn't come any easier.
I know...that's how it starts. I was happy with it too until the time they screwed up. And when they did, it was a reality check. They held onto it while the price dropped instead of cashing out when I sold. They gave me the run around and delayed it 3 weeks and that's when it really settled in, as long as it's on coinbase it's not really MY bitcoin.
I promise you this, it will happen to you, too before long. Just a matter of when.
It hasn't happened to me personally, but I've heard that people who have had that happen are still given the amount worth at the time they submitted it even if it is a few weeks late. Of course, that is no excuse for them to delay it at all, but as they are trying to comply with the law, they value safety quite a bit.