Usually they do that when they see someone selling digital items or something of that nature, they don't like that too much so they use the bank as an excuse to keep from telling you the real reason, they like playing with you like that.
update your account information
add a card
add a bank account
use PayPal logos in your auction listings or on your website
What can't I do while my account is limited?
send money
withdraw money from your account
receive or request money
close your account
add money to your account
remove a card
remove a bank account
send refunds