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Actually, the original poster's woes aren't that unexpected. We know that:

- ING is usually paranoid about security, and occasionally super-paranoid;
- the phone reps occasionally do not know what they're talking about -- don't assume that if one rep says something that it's the truth;
- ING is not a place to put money you might need on short notice

All of these quirks of ING have been discussed. Before you use ING you should be aware of them.
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