OK thanks for that but I respectfully question that's the reason. It's my t-mobile account, I've had it for years. Also the error comes back instantly: not enough time for them to even initiate a communication to t-mobile.

You know, I'm not going to waste any more time on the phone re-explaining it to a loop of ultimately un-empowered or uninformed people! Talk about a wild goose chase.

I'll try again in a month to see if it's working. Luckily I can transfer from Amex or Chase too.