[mothered]

When I reset, it loses all the ISP settings. I don't know what they are (pppoe, static ip etc.) so I have no internet unless I let them load their settings back. When they do they also lock me out of the router.

I see.

I'm still a bit curious as to how you "let them load their settings".
Is it somehow via remote desktop, do you literary unplug the router and hand it to them for configuration, or are they using another method altogether?

I plug the ISP cable into the WAN port and call them and they access it remotely on their end.

Obviously that's how ISP's provide remote access support.