I think that you might have grounds to seriously question Discover Card regarding their fraud prevention policies.
In 2007, the wife and I were at the very edge of civilization: Elk City, Idaho. I tried to buy a t-shirt with my VISA card. It was rejected, so I used my AMEX card. I went across the street to a gas station where my VISA was similarly rejected. We went back to our cabin and I called the 800 number provided. The lady at the other end asked if I was near Columbus Circle, NYC. Some weasel had scammed my number and used it to withdraw $802 from an ATM. The lady said not to worry as they would restore every cent wIthin 48 hours. They did, but I had to used the AMEX for the rest of the trek. If you’re ever in Elk City, stop in at the Wilderness VFW Post. It’s literally the only place in town. When I got back home, I went to the bank and spoke with the manager. He said that I was the sixth customer from that branch who’d been scammed that week. I asked him if they were going to chase the perp. He said, nope, it’d just cost too much.