^Dude banking is the WORST too for the two factor.
Same thing, my carrier always gets that piece of flesh on that crap as well, you're lucky you only got dinged once.
I got dinged 3 times my last trip to Greece because Vancity makes you re-authenticate at a whim, numerous times. I ended up just changing my two factor number to my work cell, make them pay for this fuckery
You're speaking my travel anger language here.