It's absolutely not discrimination and you're harming people by making such an absurd claim. Unreliable SMS delivery is not discrimination. This is how things end up on Fox News: "Is website security now discrimination?"
> I still think they have a good chance in court
Can you share the law you think was violated?
People love to eagerly advise litigation while remaining ignorant that a five-figure retainer is required to even get started on such a process.
And in the end, it's still a gamble that you may lose your case.
I'm not sure where "absolutely" comes from. I'm not an attorney to make assured statements, I can only guess.
I'm not talking about unreliable SMS delivery, I'm talking about banks not accepting other options like passkeys, software/hardware OTP keys which are more secure than SMS, thereby discriminating a whole class of people "living in the mountains".