

I mentioned it elsewhere in the comments, but in my experience, payment portals have redirected me to a verification page that has two options app verification and customer support, even though I have SMS setup. I contacted capital one and the rep said it was working as intended.

I fail to see how it would help, the issue arises when I try to use a payment portal like there is for caixa bank transactions, SMS is a valid way for me to sign in to my account, but not to confirm a payment.
I would have to disagree with your take, their customer service is 80% ai and 20% call center, none of the people you would talk to care or have the power to answer a threat like this.
I appreciate the ideas, but at the moment I don’t see a way of getting around my issues.