Major Handwaving

So I forgot the password to my online banking website. It happens, and I know it's my fault. However, the process to change my password is bizarre and ludicrous. Either, I can input my checking account number, debit card number, last 4 of my social security, AND last 4 of my phone number, or I can send my full social security # in plain text, along with my Mother's middle name, my home phone number as a child, AND my favorite type of music in blurred text (the irony is amazing). The funny part is that I've never entered in any form anywhere at this bank what my favorite music is. How the hell is that a valid question to ask when the answer is unspecified? You'd think this would be a simple process, where I could enter my social in blurred text as well as questions I've picked and know the answers to. What a great world that would be.