3DSecure - FNB don't know what they're doing

I've lost count of the number of times I've complained about FNB's inability to get 3DSecure to work properly. For a while now it's been working fine, but today I tried a new vendor who uses VCS. Guess what? VCS gives an error about my card not being enrolled for 3DSecure! The worst is that when I let FNB know about the error, they are clueless to assist. In my experience, nobody at FNB knows what's going on when it comes to 3DSecure.