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The only reasons for a ban that I know of are already mentioned excessive returns of purchased goods and (on one occasion only I've heard of) buying Kindle books while lying about one's country of residence. Invalid payment method is certainly not a cause for banning, and using VPN in itself is not either.
As to unlocking your books, unfortunately that cannot be done if your account has already been closed. The best practice is to unlock your ebooks directly after purchasing them.
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