One of my banks refused to talk to me over the phone and informed me to go to a branch with 2 pieces of ID. Fair, it was a credit card opened online.

Only to find the 2 pieces of ID were just for them to talk to me and ask for more documents. Rubbish like employment letters (uhhhh, how about YOU call my employer instead of me printing out the “letter” they’ll email me?) or tax return stuff mid-year.

I cut up the credit card and mailed the pieces to their legal department. Someone called me pretty quick and without any authentication hassles.