It's sort like the "over the back" non-call. It may look like a foul, but without contact there can not be one.
If there is contact that hinders the opponent, then I have a foul. But if the defender reaches and grabs the ball without making contact, like you describe, then I may just have a held ball.
BTW, I'd rather have a quick whistle on a held ball than a slow one. A quick one may lead to a bad call, but a slow one could lead to extra-curricular activities that go beyond basketball plays.
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