@TrapLine I work for a financial institution there are certain transactions which require a one time pass code. With fraud at the very high level that it is the one time passcode is just a security step. US Bank believes as well as all other banks and credit unions that the customer should have and spend their money not the fraudster.
Personal experience, recently I was trying to apply for a credit card on line. I kept running into error. I called customer service they did the usual verification. I was transferred to underwriting and more questions and a one time pass code. I was approved for the card.
You family members trying to impersonate another family member. Sometimes it is benign and sometimes it is not. Sometimes it is a fraudster trying to impersonate the customer.
I when I was helping my mom when I was not on an account I would identify myself and my mom as their customer. The agent would follow the procedures for the security of the account.
FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
