They blocked a transfer from my Paypal account to my wife's PP account (something that was a regular occurrence when we lived apart) because we had used the same computer, then sat on the money for several weeks claiming that the "fraud team was looking into the matter but you can't talk to them, they don't talk to customers". Given that it was over a grand and rent and bills wanted to be paid I was getting a little irate...
The magic words that got the whole mess sorted out for my UK Paypal account was "You're FSA[1] regulated and you are required to have a complaints procedure when you are. Please send me a copy of your official complaints procedure by email within 24 hours".
For some odd reason both account were unlocked and the transfer was completed while the customer service rep was "trying to find" said complaints procedure.
Not sure who regulates them in the US, but it might be worth asking one of the phone drones - IIRC they have to tell you. Otherwise, if you're annoyed enough, there's always the possibility of a phone call to the state AG's office (although I seem to remember the one in FL being rather bank friendly) and possibly a chat with the OCC. No, not the TV chopper people but the Office of the Comptroller of the Currency (as they're also regulating banks, they should be able to tell you who to talk to if they're not the right people) and the CFPB, although I'm not sure how active the latter is at the moment with Congress attempting to block almost anything to do with it.
[1] Financial Services Authority, aka the UK (consumer) financial watchdog.
Sanity is vastly overrated.
