My bank mandated some “phone code” for a transaction; only problem was that it didn’t arrive. So I tried again and again. 20 minutes later, like 7 of the thin

My bank mandated some “phone code” for a transaction; only problem was that it didn’t arrive. So I tried again and again. 20 minutes later, like 7 of the things arrived all at once on my phone. The bank locked my account for “suspicious activity”, and it could only be unlocked with a phone call. Then I call them, the minimum estimated wait is 50 minutes (oh, and the estimate got worse each time I tried later; and they are not open on Sundays). It ended up taking days to fix something caused by THEIR unreliable mechanism. I also had an issue with an account that had a 2FA option but via an app that proved dangerous because I accidentally forgot about it when switching phone devices (same number) and just about locked up my entire account trying to get it working again. If you mandate 2FA, it has to work and it has to leave the customer better off. If not, why bother?