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What's been Happening at Paypal?

I've read some Paypal horror stories lately and never thought that I would experience the same.

My first encounter was when my account got limited due to a spyware, I think.

Next (just recently) is a system error which caused a withdrawal to occur without me getting the funds in my bank account (and until now, I still haven't retrieved that amount).

The third and most recent is a dispute that occurred when my client paid me yet Paypal held the payment.

Whew... This is too much!

Been trying to call Paypal, yet the process is very long -- my IDD credits are already zero. Lots of channels to go through and yet, there's no resolution yet to my dilemmas.