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.