Hi attic - my husband and I get those emails a couple of times a week. The very first clue is 'Dear Ebay User'. Ebay would never do that, they would write your name i.e. Dear John Doe - secondly ebay never asks for you to give personal or sensitive information in emails. If there is something wrong with your account, you would see it. Otherwise, just delete the emails and ignore them.
Having said that, should you ever be worried that something that you have received is legitimate, just email ebay themselves and ask them to verify it. If there is a problem, they will be aware of it.
One more thing, never reply to those emails. It just eggs them on and sometimes they could be virus laden, as well. Hope this helps!!!
Jackie...