maybe...a lot of these "fraud" systems are automated and rely on third party marching learning and logistic regression models that seemingly randomly flag a transaction.

i used to work at a bank and for example if you bought gas at two stations in same day and also visited a liquor store you could get a model to signal debit card fraud.

talk to a service rep on the phone and they would tell you that the activity is fraud but they are just following a script.

no one is really i charge and no management will deviate from the algorithm no one understands due to compliance.