I posted this a few days ago but it fits in here as well, and this has happened to me on multiple cards. Due to built in security checks on some cards I have had sales not go through even with ID checks. I have lived (and still do a couple months a year) in a tri border region where I can buy things in three countries via credit with in an hour, literally, then go to a US base and use a card on a machine that will register the sale in the NY/NJ area (even though sale is via Europe), and then go online and purchase tickets/items from another location. As both a pilot and frequent flyer I can buy things within hours at different places, for large sums, which can also trip the fraud alert. I have had to call and turn off my fraud protection several times otherwise the companies tell me "I can't be in two places" at once, to which I saw with the internet I can buy things on 5 continents in ten minutes but such is lost on the feckless phone trolls that answer at these places.

Some even tell me it can't be turned off.

Ciao,
FH