I am sorry to hear about your recent negative experiences with switching over to Shopify Payments. It is definitely not ideal to have your payouts put on hold, so I understand where you are coming from.
On occasion, certain things can trigger a hold on payouts like you have explained. It might be a case that because you have only recently switched over to Shopify Payments, more information is needed by our banking partners to verify your account and get it finalised.
Are you seeing any messages in your admin relating to your payouts? Also, did you receive any email correspondence from us with regards to the payout hold? Usually you would see an email explaining the situation but if you haven’t received anything, I would encourage you to reach out to our support team here. Once you are logged in to your store they can verify you as the Account Owner and take a closer look.
Here on the Community Forums we have no account access, so I am quite limited in the specific account information I can provide. We have a help document outlining frequently asked questions with regards to payouts here. In particular this section mentions what to do if the account is on hold:
