Same thing happened to me when I tried to buy replacement crash bobbins from the UK. Here's the funny thing - I'd bought those very crash bobbins from that very shop before... but since I'd been through three debit cards with that bank (thanks Target and Home Depot!), they had no record of it.
Same bank - I was in Flagstaff refilling my motorcycle. They called me to make sure I was in Flagstaff buying gas. Yes I was! yay fraud protection!
...then they permitted $1500 worth of charges from Yokohama, Japan in the next hour.
Cockups before conspiracy, as the british say. Or, as Heinlein said,, "You have attributed conditions to villainy that simply result from stupidity."