They usually don't since they may not have the bank login information or be able to pass the bank's verification checks in order to change the registered info. Even if they do, merchants many times won't check because its very time consuming to call up the bank to verify shipping address.

Thats unfortunate that it causes you the hassle. But from the merchant's perspective, especially if they have been burned before, ship forwarding services are high risk.

Look at it this way. When you place your order, to the merchant, your IP will be from overseas, the credit card will be based in the US, and you are shipping to a ship forwarding facility. This is very typical of what fraud looks like with stolen US cards. The problem is that merchants bear the responsibility and chargebacks are a big problem, so they may not want to take the risk.

Banks often approve transactions where the billing address doesn't match - this is because the financial burden of the fraud is borne by the merchant.

But the response does indicate whether the numeric portion of the street address matched and whether the zip matched. The merchant can choose to reject the order based on this information. In our case, we accept the order if either matches.

Many merchants also are looking at the IP location from which the order was placed. Depending on the country it may raise enough red flags to reject the order.