I need to go back and check, we might be in one of their test groups as I haven’t heard any issues with 2FA. We do a catch-all and based on the error, we prompt the user to manually provide their banking info to proceed.

Worth noting I don’t work for a financial services company so the use case is likely very different than the services you’re discussing.

Apologies if I came off strong, it appears I may be a one-off consumer as opposed to mainstream.