<human>: Condense the text into a few key points

Hello there,
This issue has been going on for quite a while, but I recently heard of this subreddit so maybe I could get some help here. Before I continue on, I would like to let you know the amount of funds in this account is 10 bucks. Yes I know, a measly amount, but for me a 14 y/o male I think of that as a steam game or a movie ticket. Anyways, I made the account almost a year ago, back in September ish. I hooked up my mothers credit card (only used it with permission) and I used the account to sell my old gift cards on ebay. After about 2 months of no problems with buying or selling, suddenly I would get an error message with no error code, just a "Sorry, we can't complete you transaction at this time". I contacted customer support, no response for months, and haven't gotten one to this day. Messaged them on facebook, gave no help there. I am not even able to move funds to the other account I created. When looking up the issue online, it seems I need to link a bank account to allow the funds to go through. There was no notice of having to do this, and the answer was only supplied from other users with the same problem, some with thousands of dollars locked. Is this allowed? Can they lock my funds until I connect a bank, with no notice of doing so? Thanks a bunch.
<bot>: Locked out of my paypal, cannot access funds unless I connect a bank, with no notice before or during the issue.