ID HELP

So, it says my Apple ID has been disable. No reason was given. I have reset my password. Now it wants me to verify payment method. I have TRIED, repeatedly without success. There is a comment about Your Family Organizer (?), must enter the security code for their payment method. .. What is that? It won't even let me remove the credit card (which is no longer good anyway) and replace with a gift card.

Frustrated.