That's not the case, a bank works in the same way. Typically a bank or financial institution will employ a set of machine learning models or rules (combined wit

That's not the case, a bank works in the same way. Typically a bank or financial institution will employ a set of machine learning models or rules (combined with human review) and freeze accounts on that basis. Like PayPal, a bank also will not tell you why it has frozen your account (to avoid ripping off others in a crime ring). PayPal (like banks) give you an opportunity to fight it, but like banks they can't simply let you have the money if it is frozen. Also, working in banking - banks and financial institutions will go out of their way to avoid false positives but do still need to remain compliant. https://monzo.com/blog/2019/04/04/why-we-block-freeze-close-monzo-accounts/ https://monzo.com/blog/2019/04/04/why-we-block-freeze-close-...