Jim wrote back to his brother, "Usually, phone reps will not talk to anyone but the card holder. Even then, they make you answer a bunch of questions to verify your identity. Questions like:
'What day of the week were you born on?'
'What is the name of your grandmother's best friend?'
'When you tie you shoe laces, which foot do you do first?'
'What is the name of the classmate you liked the least in the first grade?'
'Where have you gone on vacation?'
"If you can answer all the questions correctly, then the rep asks for your account# and SS#. And then finally, the rep asks you what it is thayt you want. So, you explain your problem. Then the rep repeats everything you just said and apologizes for your problem. Finally, the rep says, 'I am sorry, I cannot help you with your problem. You must make a toll call to India tomorrow between 9AM and 5PM, India time. Ask for my brother, Rex.'"