Hi, Frank M
Welcome to the Microsoft Q&A
Sorry to hear you're experiencing this issue. Account-related problems can usually only be resolved through the appeal process or by contacting online support staff. The suggestions we can offer are quite limited.
If you suspect it was caused by network-related issues, you may want to investigate whether the bans were triggered by the same cause. (From my personal experience playing with an Xbox account, even while using a VPN, I didn’t encounter this issue as long as I didn’t frequently change IP addresses—so it may not be the network.)
It could be due to a violation of community guidelines or other reasons. (Additionally, please consider whether the issue may stem from the use of black market cards—there's a chance the account was permanently banned due to a stolen or fraudulently used credit card.)
To further determine the cause, we still recommend that you contact online support staff for assistance with investigating this issue (you can proactively ask the virtual agent to escalate to live support), or wait for Xbox phone support to help resolve it.
Best Regards,
Kai Ho | Microsoft Q&A Support Specialist