@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.
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