Paypal did that to me. Locked my money for several months. Luckily I only had a couple of bucks left in the account.
When I tried to clear it up, they asked for my ARF user name to search all my posts. I said no. They then refused to close my account, but wouldn't let me use it either.
I filed a complaint with the BBB out of CA and their final answer was maybe it is just best to close/end our account.
I advised that was all I wanted all along but they accused me of trying to avoid an investigation. I replied that they wanted me to prove a sale from 3 months earlier violated their terms. I told the BBB that I am not a company and don't keep records like that. They took my fees and had no complaints at the time so what was the problem??
Anyways, Paypal Sucks! and for those who say use "discreet" terms, I always did.....
Be careful....