It’s scary how oblivious banks can be, and I think Brokkr is either lucky or optimistic about their procedures - I have seen even large banks like HSBC make “facepalm” mistakes like you described, and it sounds like Cory’s much smaller credit union might even have outsourced their nighttime call handling to someone very close to the fraudsters.
Still curious how they managed to use Cory’s card with just the card number and not the CVC2 code - is that a regional thing where some online shops aren’t required to use it?