I haven't into this problem yet but seeing that I don't live in the USA either I'll keep that info in mind.

It's mostly the banks which set up annoying location/geo-blocking.
I had issues with purchasing EU game time for other games simply because I was in NA.

My credit card by default was set that way. I had to call up the bank all the time to authorize stuff and go through all the rigmarole of proving I was the card owner every time -_-
If I recall correct I eventually just told them to disable the "protection".