Secretdude, I had an account frozen - fell for the old fake log in page
... it took about 2 months before I heard anything. Yes, I did get the account back and by then I had started another which is now my main account. Was just too confusing to switch (though now I wish I had).
I have sent some pricy items to my gallery account also (as most people with galleries on a secondary account do) - but that is a subaccount of mine; I use the TP, set up a trade on the gallery account and in the wishlist say that it is for my gallery. I don't use the send to neofriend unless it's something small - omelettes for my pets there, toys, inexpensive gallery things. But I never just send anything from my gallery to my main account using the send to neofriend. And the trades I set up to support the gallery are "junk" trades - not stuff from freebies/dailies, just like toys I've bought on my main and sent over.
From things I've seen and read (and the T&C) problems can arise when you're either sending an expensive item (or something from a RE even) from another account to your main (using more than one account to earn np) or in the case of more than one person having a Neopets account - someone sending something from their main account to the other person's main account.
The person I share the computer with has sent me a few smaller things (via the TP) to my gallery as like, a birthday or yule gift - but never ever anything to my main account and never anything from my main account to her account (she only has one, wise person).