seems to depend on the office - and may be officer, time of day etc! I am long term resident and CM Imm declined my 90 day as I had stayed at a hotel down south since previous 90 day and not filed new tm30.
it was for me until they tripled my premiums,despite no claims. My 'misdemeanour ' was a birthday which Cigna said put me in a higher risk pool. I cancelled. Of course.
I only know of one case with Chinese owner and tenant in Chiang mai. Tenant had all necessary docs but was refused and owner had to attend, for initial tm30 to be issued. Not sure if that is general at CM Imm.
I use Wise from European bank to thai 3rd party frequently . In the past from a spanish bank I had to do multiple wise transfers to overcome the banks daily limit.