Bank of America proves incapable of basic banking once again. Declined a minor credit card charge from a vendor I've used before. Account locked out until I call the fraud department, who cannot explain why it was declined except to gaslight me that I failed to provide some unspecified additional authentication through a process that doesn't exist. Rep then wanted to shift my account from app-based Push Notifications (secure) to SMS (insecure) and I had to assert that I didn't want that. 

 @e4530301 Stop using brick and mortar banks ASAP (BofA, WF, etc). There’s no reason to support their useless service, 2 hour hold times, high and spurious fees, near-zero checking/savings interest, etc. There’s so many legit online (only) banks that are wildly superior. Switch now!