> Both your and the parent's points are valid. Identity verification is a hard problem that the major legacy banks have a big problem with. Their processes are both extremely annoying and can fail and lock out the legitimate account owner (the reason many of you have had trouble replacing cards abroad is because "shipping to a previously known address" is itself a security measure) while at the same time being vulnerable to a targeted attack from someone with knowledge of how the process works.
> Both your and the parent's points are valid. Identity verification is a hard problem that the major legacy banks have a big problem with. Their processes are both extremely annoying and can fail and lock out the legitimate account owner (the reason many of you have had trouble replacing cards abroad is because "shipping to a previously known address" is itself a security measure) while at the same time being vulnerable to a targeted attack from someone with knowledge of how the process works.