In Stripe's case, I've been very happy with how responsive their support is (even my Suggestion Box submissions get personal replies) - I'd expect Stripe to suspend that account within a couple of hours, regardless of the time-of-day.

But if it was, say, Authorize.net (I can't be the only one?) I'd probably take direct-action (via an anonymous proxy, of course - legacy companies just can't stop themselves shooting the messenger first...)

(Disclaimer: I haven't had to deal with Authorize.net since 2016 - can anyone say if things improved since then?)