Edwin from Stripe here. We might place a hold on a Stripe account if a high rate of returns or chargebacks is expected—that way when customers request refunds,

Edwin from Stripe here. We might place a hold on a Stripe account if a high rate of returns or chargebacks is expected—that way when customers request refunds, their funds are given back to them immediatley (via the account's Stripe balance, rather than waiting to debit from a bank account). That said, could you email me at edwin@stripe.com and I can take a second look at this?