Bank Account Recovery Has No Fallback When 2FA Codes Never Arrive
A Bank of America customer was locked out after a password reset triggered a 2FA code requirement, but the code never arrived across three attempts and 48 minutes on hold; the only offered resolution was an in-person branch visit with photo ID, which the customer could not do due to disability and lack of transportation. The account-recovery flow had no accessible fallback for someone who cannot reach a branch.
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Similar Problems
surfaced semanticallyBank of America Blocks Account Access When Password Is Forgotten and Phone Has Changed
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Bank Freezes Account After Cross-Device Login With Multi-Hour Support Hold Times
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Problem descriptions, scores, analysis, and solution blueprints may be updated as new community data becomes available.