Disabled App store and iTunes

Apple disabled me permanently from Ap store and iTunes because my bank, unbeknownst to me, inquired about an odd triple payment. I had no idea they were doing this. I woke up one day and was only disabled, but permanently so. It effects everything. Apple, apparently treats every banking question as an accusation of fraud. FRAUD? Huh? Well, that’s odd, but the enquiry was not even made by ME. Can someone with an understanding heart tell me why this happened and what I can do to have my seven Apple devices return to their normal function? I am just so sad and confused.

[Re-Titled by Moderator]