Every other payment processor does the same thing, dude. Especially when you go out of your way and violate the T&C (which as a practicing business, you have no excuse not to read and understand). If they say "You can't do X Y and Z" , where X is say, "Take payments for something that is greater than 20 days from shipping", and then you go ahead and do it anyways..

Welp. It's your own fault. Read the paperwork next time.

The freezes would be reduced to an inconvenience instead of an all-hands emergency if they didn't go out of their way to avoid talking to you. I cannot fathom what kind of boneheaded moron decided that an automatic system flagging your account means you are now persona-non-grata.