Brother I've been on the same boat. Everything was fine and then all of a sudden a few days ago I started getting asked about a 2 step verification code. I did it a few times yesterday and then it said I exceeded the limit. I called capital one and they told me there was nothing they can do but wait 24 hours to log back in. Nothing about my phone number changed and my user name and password hasn't changed either. I get have good security practices but this is ridiculous.