The issue as I understand it with Stripe is that Stripe takes on the chargeback and fraud risk on behalf of the merchant, but as a result will seize funds preemptively to any flag that might potentially be raised by their partner banks. In other words they are incentivized to look for fraud where there is none.
Then they send an automated email saying they suspect fraud, without details.
The recourse they should provide is a way for the merchant to clear their name of a specific accusation, by both providing details of the transaction(s) in doubt and allowing the merchant to show whatever documentation is necessary. But they don't want to go through that because again, there is no actual fraud call in some of these cases from a bank, they're just automatically flagged as a potential risk for Stripe. So they just put the merchant on endless hold and steal their money.
Then they send an automated email saying they suspect fraud, without details.
The recourse they should provide is a way for the merchant to clear their name of a specific accusation, by both providing details of the transaction(s) in doubt and allowing the merchant to show whatever documentation is necessary. But they don't want to go through that because again, there is no actual fraud call in some of these cases from a bank, they're just automatically flagged as a potential risk for Stripe. So they just put the merchant on endless hold and steal their money.