PayPal Holdings, Inc. Bank Account Or Service Complaint

PayPal Holdings, Inc. Bank account or service department,

Other bank product/service Account opening, closing, or management Ohio

Paypal has restricted my virtual payment account and is holding my funds for 180 days. They state that - of my transactions did not follow policy but fail to cite specific text from a user agreement or terms of service. They claim my funds are being held in case of chargebacks or buyer complaints, however I have not received payments to this account over the past 180 days that would warrant the necessity of such coverage.