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Seller ratings

I'm having an issue with seller ratings.  When ebay forced me to go totaking money out  managed payments they messed my account up unbelievably bad.  They were taking money out not in creating insufficient funds situations.  This went on long enough that what I did sell the money hung in limbo land all of this absolutely broke me and indidnt have the funds to ship  causing late shipments.  So now ebay has rated me below standard and to make it more of a slap in the face they are charging me another 5% in selling fees.  So they get to make money off this rating system that they themselves create and control.  I didn't get to pay them less when they were screwing up my bank account, leaving me on hold for endless hours, crediting my customers without my knowledge and so on.  Any thoughts 

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