Ask HN: Using password with a random secret question user has stored?

Would it be secure enough if user has to answer a secret question after logging in and if he enter a correct answer, he is logged in application but if didn't answered it correctly first time, then user is locked and an sms with some numbers is sent to user mobile number to get unlocked and repeat this process for max like 3 times and will be blocked forever unless admin unblocks after verifying the user manually.