This is exactly what has happened with my Shopify account. All of sudden, they cut off the account and held the money hostage. This was a month ago and they have yet to give me a reason why. I get one email a week from them, and I have responded to each email with all of the information requested. It's really frustrating. I am not doing anything fraudulent... but I must have triggered something in their system. They had no problems with completely shutting down not only my payments but also my website that I've put hundreds of hours into. I plan on reporting them to the BBB.. once I get my account activated and withdrawal the money. I hope you do the same with Stripe.