Hi krileon,
I think I found what is the problem is about the forgot login issue:
The issue was in the most cases is the auto fill.
if some one use auto fill and then enter the security question the Reset Button will not work.
So to solve this problem is the user must type the username even if it popup for him in the auto fill he need to ignore that and type in the username, email and the security question
is there is anyway to have the "send username/password" button to work with autofill since most of the browsers save the usernames and emails. and most of the users got lazy and they choose the autofills instead writing the information again.
Otherwise, I will need to put a big font with red letters to let my users know to type in their information.
Thank you again for your help