I have had insane numbers of problems being someone who travels/moves countries a lot with banks wanting their app to 2fa before allowing transactions, the app not working, my phone dying just when I am trying to pay my bill at a restaurant and getting my card declined, my ATM card also not working and then the website locking me out and requiring me to.... use the app to generate a 2fa code... from the phone... that just died.... on and on.
I was once trying to update my address so I could get a new bank card shipped to me as the old one was expired and I had just moved. I could not update my address beforehand because... I didn't know what my new address would be until my arrival in that country and my apartment hunt was successful. Once I tried to login, I got locked out, and upon trying everything I could to remember a special recovery code that I could not find written down anywhere, I called the bank and they said they would send me a new code by mail. But I couldn't get my code by mail because... I no longer lived at the address on file. They said sure you just need to login to update your address. Which I couldn't do. But they couldn't just send a code to a new address from someone over the phone, that wasn't secure.
I forget how I got out of that one.
I've basically checked out of all this at this point. I need to get off my ass and move my money better/differently because I've started to see a day where I can't prove who I am and I live somewhere where I can't walk into a physical location to do so. It's more than a bit scary.
I was once trying to update my address so I could get a new bank card shipped to me as the old one was expired and I had just moved. I could not update my address beforehand because... I didn't know what my new address would be until my arrival in that country and my apartment hunt was successful. Once I tried to login, I got locked out, and upon trying everything I could to remember a special recovery code that I could not find written down anywhere, I called the bank and they said they would send me a new code by mail. But I couldn't get my code by mail because... I no longer lived at the address on file. They said sure you just need to login to update your address. Which I couldn't do. But they couldn't just send a code to a new address from someone over the phone, that wasn't secure.
I forget how I got out of that one.
I've basically checked out of all this at this point. I need to get off my ass and move my money better/differently because I've started to see a day where I can't prove who I am and I live somewhere where I can't walk into a physical location to do so. It's more than a bit scary.