Not to justify it, but we've been fighting this kind of crap for a long time with credit cards and their bonehead "anti-fraud" checks. I'm often on the phone with my credit card issuers every time I travel somewhere because their moronic systems think "different country = fraud" and lock me out until I call them and perform their pointless rituals for them over the phone. Even if you tell them in advance that you're traveling (which I object to because my vacation plans are none of their business), they still often get it wrong and flag you.