Simply put, I parse that as a creepy attempt of simulating a personal relationship that just isn't there.
* Ring, quick answer
* V: Yeah?
* Me: I need X changed to Y.
* V: Got it.
* Me: Thanks. end call
It also feels different because they are talking while they are doing something else, unlike on a phone call where these questions are preventing you from doing the communication you need to do to finish the call. It would be more similar to Trader Joe's employee stopping you on your way in to ask you a bunch of questions about your day and the weather outside.
The weather, because it is summer and hot? Ok. Just banter.
The crowded store and the fact that I had to stand in line 5 minutes? ("Crazy, we didn't expect that many customers today!") Yes! Shows they are aware and care.
It's not that I don't want to interact, I just don't want to be dragged into that 'we're friends' game.
"Thank you for calling XXX where it's always a great day, my name is XXX and how about you tell me what I can help you bring home today?"
Obviously this depends on the situation, but usually info like bank transactions are considered private.