"my bank locked out my account due to a fraud red flag
And when asked the bank asked me if i tried to use my card at a Premier Inn in Great Britan
the day before. Really? As much as i would love the visit across the pond ....NO i did not authorize the transaction and TY for catching it!"
Then they did their job properly. I bet you provided your bank with copies of all that stuff way back when.

"Now, as i change my card number with paypal, i can see why verification is needed or asked for , which i did, but now, they want more and again. ie copy of DL
copy of bills copy of SS #. What? are you kidding?"
How can they verify for sure that it is YOU using the card unless you also provide info which a fraudster would not have access to?