“Hi there,
I cannot simulate the problem with tcfbank.com since i don’t have any real username, can you help me with this?
Thanks,
B.”

David, I take issue with you stating “B” could have meant something other than asking for help with a user name to test the problem. I didn’t care since it was just the user name - and I thought I was helping him/Avast troubleshoot. If he wanted me to “help” in other ways like you say calling the bank, etc, he would have said that, but your explanation is just not realistic. He obviously needed a user name to test the problem, and that is what any reasonable person would conclude based on “username” “help me with this?”.

With that said, I’m still wondering why my secret questions were locked out because of too many attempts. I want to be careful with my conclusions on this - there could be a good reason this happened - although I was sincerely alarmed when I first found about about this. And the lack of follow up when I asked about my account lock out because of these attempts is concerning as well. Who ever made these attempts while troubleshooting should explain what happened.