I agree that the policy is stupid but I can't change it.
Rant incoming:
I have a had a few callers lately where I absolutely see where they're coming from. It does not make sense for the bank to cancel your auto pay and require someone who has never logged in to log in to set up a new one.
However, what customers don't seem to understand is:
I'm not refusing to help you. I can't. The option is not there, there is not a button sitting here that I am refusing to press. Someone above me decided the option would not be provided and so it was not programmed in. Threatening to cancel your accounts will not make it appear. Escalating will not make it appear. Annoying me, even if I somewhat agree with you will not make it appear. It just makes me want to 'accidentally' disconnect the call.
I've taken your complaint and given you the available options. If you don't have any other concerns kindly get off my phone, goodbye.