Poor

I tried to make a payment to an existing beneficiary. Verification requested and what happens. Nothing! No sms sent to any of the two registered cells. Please don’t tell me to use the app. Continually tells me incorrect passcode entered 3 times. Correct code entered once. While I am here. If I make a payment to a John Smith why can’t John Smith appear on the bank statement and not a meaningless reference The account is *** and my cell Peter ***