Maybe we work with different banks, but in my experience it’s more of a “1 strike you’re out” type of thing if they detect illegal activity and to me that feels like what happened here. I get what you’re saying though.

Fraud is hard. If you don’t crack down enough, you get in trouble with the government, many legitimate account users, and companies working with you. If you crack down too hard, you might mess up people’s lives who did nothing wrong. Even with an appeals process- its rare to get everything right. I think the reason we had about it with big tech so much is because their userbase is so large, so even with a low false positive rate, you’ll see high numbers of people getting flagged.