Just got the dreaded "Payments will be held" crap on my account. Looking back over six months, I've had -0- negative feedbacks, -0- neutral feedbacks, a chargeback rate of less than 0.33% (one-third of one per cent) no disputes filed with eBay or PayPal, and most annoyingly, only about 1/3 of the volume in the PP account has anything to do with PP. I have a good bit of affiliate site income and non-eBay commerce going on, which PayPal cannot police, so all of the guidelines of freeing up payments simply don't apply to me.
I'm not opposed to a chargeback hold; that's completely standard in merchant processing. But for PP to do this, to freeze up a bunch of money that didn't come in off of credit/debit cards or ACH, to hold 100% of the money, then have the balls to call this "standard practice" in payment processing is absurd. I can float the cash for a few weeks, but it sure as hell is annoying.