While this is clearly "a thing", I would be a fine bottle of wine that the OP's issue is not one of those things, and is just some dumb algorithmic or overworke

While this is clearly "a thing", I would be a fine bottle of wine that the OP's issue is not one of those things, and is just some dumb algorithmic or overworked fraud prevention contractor problem. I would bet that 99.9% of the Stripe (and Paypal) horror stories that get posted almost weekly are _not_ federal money laundering or terrorism financing investigations with legal secrecy provisions imposed on the payment processor.