My credit score dropped 87 points for unusual activity — I bought a coffee at Walgreens

This happened to me last Friday May around 11:00 AM. I was at the Walgreens on Main Street in Portland, right by the near the mall area. I remember because I had just grabbed coffee from the Starbucks

This happened to me last Friday May around 11:00 AM. I was at the Walgreens on Main Street in Portland, right by the near the mall area. I remember because I had just grabbed coffee from the Starbucks across the street — my receipt says 11:00 AM exactly. I pulled out my phone to check my bank account while waiting in the checkout line. That's when I saw it. A notification that stopped me cold. My account was frozen. No warning. No explanation. Just a message saying "suspicious activity detected." The cashier was waiting for me to pay. There were 7 people behind me in line. I could feel them getting impatient. my brother was standing behind me and could see I was panicking. I tried to use my card. Declined. I tried another card. Declined. I ended up having to call my brother to spot me 37 dollars for my groceries. So embarrassing. When I finally got home 37 minutes later, I spent 7 hours on the phone with their automated system. Every time I asked for a human, the AI said "I understand your frustration" and then transferred me to another bot. I was on hold for 7 hours and 15 minutes total. The reason? I had paid my rent three days early. That's it. I've lived in Portland for 7 years. I've never missed a payment. My credit score is 742. But their algorithm decided that paying early was "suspicious generosity." I called my landlord at the property management company on Main Street. They had no idea why the payment was flagged either. They said this has been happening more often lately to tenants who pay early. The bank couldn't tell me when the hold would be lifted. They couldn't transfer me to a supervisor. They couldn't do anything except read from a script. I finally got my account back after 9 days. No apology. No explanation. Just a generic email saying "we've resolved the issue." Has anyone else in Portland dealt with this? I'm tired of algorithms making decisions about my money with no human oversight.