Jesus F Christ.. that's even worse than my original scenarios! Now you have a family member whose personal information has been compromised to a random Schwab agent and even to you..

To me this would be a huge red flag.. the fact that Schwab apparently allows their customer service agents to play loose and fast with sensitive financial PII.

Source: I worked at a Global Top 20 bank for many years and this would absolutely be a fireable offence and the employee would be lucky not to be dragged into court by the bank and the government.