I'm experiencing a similar problem at Citibank here in the US. When I add a new bill payee, it tries to verify that I am really me. The website does this by ask

I'm experiencing a similar problem at Citibank here in the US. When I add a new bill payee, it tries to verify that I am really me. The website does this by asking me specific questions about my past (gleamed from various records) that, presumably, only I would know the right answers to. Among those questions are things like "In what city does your mother live?" It sounds like a good idea, until I found out that the correct answers are considered to be incorrect by their system. I'm sorry, but I know where my mother lives, and she has lived there for decades. You got your data wrong, that's not my fault. When I answer the question correctly, it therefore locks me out of my account entirely, and I have to call Citibank to get my account unlocked. Helpfully, when you get locked out of your own Citibank account, anytime you try to log in the website delivers a plain-text "HTTP 403 Error" without any explanation. I had to deduce myself that it was because I "incorrectly" answered the question about me correctly. I asked Citibank's customer service how to resolve this. I was eventually routed all the way to the top of their organization. Their best answer was that I should file a request with LexisNexis, the huge corporation that aggregates these data records on people using automated tools, to have the "official" answers changed. That made me laugh. They want to place that burden on me? So now I just do the whole dance every time I need to add a bill payee. Answer their questions correctly, get locked out because they think it's incorrect, then call customer service to get my account unlocked and to add the payee manually. Does anyone know a good alternative bank?