In my first experience with a two step verification, I called a financial service firm. She didn't want to ask me my secret question and have me answer it. That would have been too easy. Hell I didn't even remember doing that second step verification. Instead she asks me my secret answer. I tell the women, "that is not how it is how it is suppose to work. You need to ask me the question, and I'll give you the answer." She tells me they don't have the secret question. After another minute of her babbling about policy, I say "how the hell am I suppose to know the answer, if you don't ask me the question?" I had no idea of what kind of question I chose. If asked, I could likely answered the question. So we parted ways. I called back later and spoke to someone with a reasonably rational mind.