Believed to be tied to "mules" unless their classification method has zero false positives. If it does have false positives then those non-mules have a right to complain.
If two people accounts were unjustly frozen (and they have to do some work to unlock them), and at the same time two hundred people life savings were saved, would that be OK with you?
I don't know about them, but there are plenty of ways for law enforcement to get mule account numbers. After all that's the whole point - actual criminals don't have to reveal their own identity, instead they convince a "mule" to (knowingly or not) participate in a crime.
But that doesn’t mean that freezing an account suspected of fraud isn’t the right course of action.
Yeah there’s going to be false positives. However that’s precisely why you freeze the account: to allow you time to follow due process and investigation. If you assumed the process was infallible then you wouldn’t need to freeze the account; you would just skip straight to the punishment and remediation stages ;)
> However that’s precisely why you freeze the account: to allow you time to follow due process
Due process comes before the actions.
But that would just mean they are very biased, since they are kind of defending their own money. Right now they are a bit more impartial.