Another story: I was abroad, and someone got my card details and made purchases for thousands of $ in a different part of the country that I don't usually visit and certainly doesn't purchase there stuff for that amount of money.
Nobody even cared, but a payment I made for 2 euros wasn't accepted becuase reasons, and every online purchase needed some authorization.
When I called them, they said they'll look into the purchases. Well, they cancelled the purchases quite fast, but the surrealism of it all...
When I worked at another large credit card issuer, I was told the algorithm to detect fraud was essentially a black box. No one left at the company really knew how it worked or how to change it, so it was left intact and new rules were simply added on top.
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