Comment by Zak

I had a related experience wherein I asked Paypal for a debit card. They denied my request and locked my account (with money in it) until I provided a multitude of documents to verify my identity and ownership of my bank account.

Of course, they could provide no information about why this happened or how to avoid it. I became a lot more conservative about using Paypal again, and never did make another request for a debit card.