Well I never used PSW and my opinion does not matter here but I don't see the problem here.
- 10 billings 2 chargebacks means 20% chargeback rate. this is 2000% over the allowed rate so your account was rightfully closed by them because you get on their red flag list due to the new regulations forced by VISA and MC.
- They state that your account is at $ - 45 so they freeze your reserves untill they can be sure no cb will happen any longer.
Ask them in 6 month and if the release it you are fine if not than you can piss at them rightfully.
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