The VISA is valid for 90 days from the day it is issued. You must enter Thailand within this 90 days. Once you enter, the visa will grant you a 90-day period of stay that starts from the day you enter Thailand.
Corruption has nothing to do with it. The reason all of this is happening is because a new law came into effect that requires banks to be responsible for all fraud and scams. They are not willing to lose any money, so now they are doing everything in their power to limit their liability. Hence all the trouble people are having now. The big Bangkok Bank thing in Pattaya was just a coincidence.