>none of the options are helpful
Yeah. I got locked out of my capital one account for a "fraud alert" last week. When I tried to login a message said "Call Number XXX" When I called that number I had to go through an endless phone tree and not single option was about fraud alerts or being locked out of accounts. I had to keep going through a forced chute of errors before after about 30 min I finally was able to speak to someone.
Even when I finally got a human they seemed confused about what happened and I had to be transferred several times.
Why would you put a phone number that does not even as a sub option address the issue?
Because they don't give a shit about you, they just want to hold on to your money.
Because there is no legal obligation that sets a minimum measurable quality and availability of service; this allows for companies to automate away customer support and place an AI chat muppet just because they can.