Issue is not if there should be fraud screenings - of course, they're required both by law and a common sense. Question is do you treat your own system's false

Issue is not if there should be fraud screenings - of course, they're required both by law and a common sense. Question is do you treat your own system's false positives like customers' problem, or you actually do something pro-active to help them? In my experience most banks and payments services just don't care. It's up to customer to complain and push repeatedly for it to be resolved, and banks make it harder, rather than easier. To get access to your own money you have to go through tones of bureaucracy to prove you didn't do anything wrong. Exactly because of the sums in question the treatment should be different, bank is using that money while it's locked and pays you no interest on that.