My iPhone 4gs won't let me download any apps because the security code is invalid? I enter everything correct and my address, don't understand why this is happening! Help please

I just need to be able to download apps and my phone keeps saying the security code is invalid which doesnt make sense because I enter everything correct and it's really fustrating I've been to the apple store I've called support and they can't seem to fix it! Can somebody please help me? I thought apple was suposta be easy to use :\

This can sometimes happen because there is a missmatch between the billing address entered on your iTunes account and the billing address from your bank records.  See http://support.apple.com/kb/TS1646.

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