I wonder what someone's legal recourse is in a situation like this. I mean what gives Paypal the right to claim 'suspicious activity, your money is ours' withou

I wonder what someone's legal recourse is in a situation like this. I mean what gives Paypal the right to claim 'suspicious activity, your money is ours' without having to provide some kind of evidence. And IF something is a legitimate case of fraud, aren't they required to simply freeze the assets and turn the account holder over to the appropriate authorities ? It's hard to imagine that this type of due process can be waived simply by having agreed to certain terms & conditions.