ebay should have referenced the policy issue.
Basically, they consider the login info to be suspicious - perhaps because a class 1,2, or 3 proxy or poor VPN is being used. Only a class 4 proxy is viable for continued and frequent use. There are some decent VPNs, but most are already sus'd by the bad guys.
They might see an IP which geographically does not match the country which the account is registered to. Most proxies and VPNs are not effective for masking IP or geolocation. They appear to work from your end, but the server end often penetrates them with ease. Even when penetration fails, the usage is detected, which is even worse - as regards suspiciousness.
Perhaps you have a very common name and there are several others with the same name in your immediate area. If your name is John Smith or Robert White and you are in a major city - that could be it.
There are other things that could prompt an MC115, so we aren't likely going to figure out the exact cause.
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