The exact reason your funds are being held is because you have a large amount of chargebacks and that is stated in the notice. This may not be any fault of your own, but your customers for some reason have decided that they want their money back and contacted their credit card issuer to get it back for them.
Stripe, and all merchant processors, play in the financial world. They are doing risk mitigation in case your company can no longer fulfill these chargeback obligations as ultimately they would be on the hook.
I know you are mad at Stripe and understand why. They make it so easy to take payments, but we are in very interesting and different times right now. My industry has been identified as high risk and we have seen rolling holds like this and/or longer payout schedules. A different merchant processor would act the same if put in the similar situation of high chargebacks. The best you can hope for is finding a merchant processor willing to take on more risk for you.
Stripe, and all merchant processors, play in the financial world. They are doing risk mitigation in case your company can no longer fulfill these chargeback obligations as ultimately they would be on the hook.
I know you are mad at Stripe and understand why. They make it so easy to take payments, but we are in very interesting and different times right now. My industry has been identified as high risk and we have seen rolling holds like this and/or longer payout schedules. A different merchant processor would act the same if put in the similar situation of high chargebacks. The best you can hope for is finding a merchant processor willing to take on more risk for you.