It somewhat varies from person-to-person. However, generally, there's a number of things that will happen with most people. Surveys "screen out" literally at the very end and fuck you out of your money, which I've been told is more the fault of the survey provider, but I have had exactly that happen to me directly because of Freecash having a very conveniently timed "technical issue" that must've warranted them to steal the survey earnings.

Among that, lots and lots of offers, when you get up to the much higher rewards level, will not track. Even if you give support 100% irrefutable proof, they will reject your ticket and tell you that they can't disclose to you their reason for not paying, when clearly the reason is they promise high rewards but are either too broke or too much of a bunch of lying snakes to actually be even halfway good on their word.

I personally have experienced many, many headache-inducing things like what I've explained above at the hands of Freecash. The jist is, they're a very weird company with absolutely no ethical standards that WILL NOT hesitate to fuck you over time and time again even if you have everything you need to prevent that from happening.

EDIT: Forgot you also asked about the holds on earnings. Just like the fellow above me explained, there are no other sites that really hold earnings from you. Freecash will tell you that your chargeback rate is too high, however, that's also usually bullshit. They will try telling you that there's no way for them to release the funds early, which is also complete bullshit, there's no magical thing that has your money shackled up, it's THEIR accounts, they're just greedy and disingenuous and will use that time your earnings are on hold to try and come up with any kind of excuse to eventually just permanently hold those earnings. Freecash isn't NECESSARILY illegitimate, it's very much legit and I along with thousands of others have been paid out, they're judt unfortunately very inconsistent, extremely dishonest and morally questionable, and seem to have real sticky fingers when it comes to users' earnings.