How to identify why two-factor code SMS messages are never received from certain websites


I have accounts with three financial websites which only offer two-factor authentication codes to be sent via text message or phone call, but when I request codes via text message, the messages are never received. When I choose the phone call option, however, I do receive the call.

Some notes:

  • Requesting codes multiple times does not solve the issue – I never receive any texts.

  • I’ve verified that I have not blocked any phone numbers, either on my phone’s local settings or within my account with my cellular carrier.

  • I can receive codes from all other websites on which I use two-factor authentication and receive codes via text message. This only happens with these three websites. Also, there is no relation between these three sites – they are all for completely separate financial institutions.

  • Reaching out to the customer service/technical support departments of these three websites has not produced any helpful information or solutions.

  • I’ve had this phone number for over 15 years so I’m wondering if at some point my number has inadvertently ended up on an SMS blocked list that these three websites subscribe to.

I want to be able to figure out why this happens and make it so I can receive texts, so that in the event that the phone call option is removed or temporarily unavailable for any of these sites, or I start using a new site which also has this issue but does not offer the phone call option, I won’t lose access to my accounts.

Are there SMS block lists that text messaging services subscribe to? If so, is there a way for someone to find out if their number is blocked? If not, would there be any way to troubleshoot this problem?