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iStock/Thinkstock(NEW YORK) -- A new survey of 2,000 Americans revealed that while fighting online fraud is critical, 81% of those polled call cutting edge password practices are overkill.

The poll from analytics software firm FICO revealed 78% of those surveyed have trouble keeping track of their passwords, and 7 in 10 are sick of those warped-looking "Captcha" codes that we're forced to enter just to prove we're not robots.

Sixty-four percent of those polled say they hate having to turn their passwords into that tricky to guess -- and remember -- combination of letters and numbers.

The irony isn't lost on computer security experts.

"There’s a real discrepancy here," says TJ Horan, Vice President of fraud solutions at FICO. "Consumers are glad their bank is protecting them, but frustrated that the protection is making it harder for them to open accounts and make purchases."

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