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Do you happen to use a VPN?
No, I always use the Chrome browser and on the real IP for anything money related like banks or purchases. I use a "normal" phone OS (meaning: no custom roms), so that can't be the reason either.
How long before a cell carrier re-issue an IP address. I know if you use mobile data, you get a new IP very often, like if you turn data off and back on, you get a new IP address. So... Maybe that, every time my purchase was marked as fraud, it could be that I just got assigned an IP that was just used by a fraudster before?