Managing an account: Checking or savings account

Issue : PayPal permanently deactivated my account without providing a lawful or specific reason and is withholding my funds for 180 days. What happened : PayPal abruptly and permanently restricted my account, citing only risk concerns. They refuse to identify what risk they are referring to, refuse to provide a reason code, and refuse to allow any appeal or human review. My balance of $370.00 is being held for 180 days, despite the fact that I have no disputes, no chargebacks, no policy violations, an d no suspicious activity on my account. I rely on PayPal for legitimate contracting work. Their decision appears automated and arbitrary. When I contacted PayPal, they repeated the same scripted message and would not provide any factual basis for the restriction or the hold. Why this is unfair : PayPal is acting as a financial institution while withholding consumer funds without transparency, justification, or due process. They are refusing to disclose the reason for the restriction, refusing to allow an appeal, and refusing to release my money. This is an unfair and abusive practice under consumer protection standards.