I suspect you are absolutely correct Crystal as the bank's online service tech said he didn't even see a login attempt at their end when I gave it a try while we were speaking on the phone.

On 2022-09-14 02:54, Crystal Kolipe wrote:
The error that the OP reports suggests that the login process is failing before that.
In our experience, banks sometimes check odd aspects of http requests in a 
misguided
attempt at security.  For example, I'm aware of one that checks for the 
presence of
an accept-encoding: gzip header on the login request, and if it's missing, 
returns a
generic error message.  Took me about five minutes to work that out.

We also know of a bank that has what seems like a backdoor, (or just a plain 
bug), to
bypass their two-factor authentication in some cases, which took about 15 
minutes to
find.

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