Originally Posted by randysea

If you go to the post that started this thread, you'll see that the OP (me!) lives in the US but travels a lot. Cap1 changed its 2FA a couple of years ago to create the problem. I use VPN when traveling but is not a workaround for the 2FA problem.

Having to deal with a second phone and phone service while traveling does take effort and is very inconvenient have to use it every time I want to look at my account. Then try to explain to your non-techie friends what they would have to do to access a Cap1 account. It's just ridiculous.

I have multiple credit card and other accounts I can access from anywhere in the world with a more convenient 2FA method. Not a single one of those companies has ever appeared in a headline like:
"A hacker gained access to 100 million Capital One credit card applications and accounts"

Even US government accounts, like my federal retirement, allow me to get text messages directly on my foreign phone for practical 2FA.

Originally Posted by SPN Lifer

Capital One is definitely losing business from home and abroad by excluding e-mail from its 2-factor authentication (2FA).