When you request codes or call Chase, which telephone carrier are you using? This may matter because card issuers obtain information from cellular operators which the issuers can use to verify identity. If your carrier does not provide such information it might be a reason that your procedure is more difficult.
Capital One discloses this, and I expect that Chase is the same:
Phone providers (may include billing data, and/or device info): You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Capital One or its service provider for the duration of your business relationship, solely to help identify you or your wireless device and to prevent fraud.