I have long felt that [f] and [s] are hard to tell apart on the phone, especially when spelling out words letter by letter. As a non linguist (but audio engineer) it seems to me that the frequencies required to distinguish them are usually higher than the bandwidth of the phone codec.
Today I fell foul of this in a most unfortunate way, and managed to get a parking penalty charge because the automated pay-by-phone system for the car park registered the wrong license plate.
In order to help me prepare the case to contest my parking ticket - can anyone provide me with a citation for this fact?