I had an account in Wise, and I was transferring money between my accounts (all the names were same). Everything was legal but they closed my account and started replying to my emails with huge delays. I provided all the supportive documents for the transactions but they said they will keep the account closed (and according to the user agreement, it seems they can do it without providing the reason). They held significant amount of my money in the account, and it took a long time to withdraw it.

Also, if you get flagged in one of these services, they usually send your info to similar companies and they either close your account or don't let you create new accounts.