"YOU ACQUIRE NO OWNERSHIP OR PROPERTY RIGHTS IN ANY CHARACTER OR OTHER IN-GAME VIRTUAL GOOD, AND ARE ONLY LICENSED TO USE SUCH CHARACTERS AND ASSETS ASSOCIATED WITH YOUR FFXIV SERVICE ACCOUNT SUBJECT TO THE CONDITIONS SET FORTH IN THE AGREEMENTS. YOU AGREE THAT YOUR FFXIV SERVICE ACCOUNT AND ANY VIRTUAL GOODS AND CHARACTERS DO NOT HAVE ANY MONETARY VALUE. SQUARE ENIX MAY SUSPEND, TERMINATE, MODIFY, OR DELETE FFXIV SERVICE ACCOUNTS, CHARACTERS, VIRTUAL GOODS, OR THE SERVICE ALTOGETHER, AT ANY TIME FOR ANY REASON OR FOR NO REASON, WITH OR WITHOUT NOTICE OR LIABILITY TO YOU." -
https://support.na.square-enix.com/r...2&tag=users_en
Sorry for all caps, thats not my doing - its a quote from the ToS you agreed to when you installed the game. While I'm wishing you all the best in resolving the issue (your bank might be a good place to start), I figured it might not be to bad to remember this bolded, all-caps part at the very beginning of the ToS before talking about what they legally can or cant do.
Suspending your account at any time for any or no reason given to you is well within their rights and you agreed to that. Your anger and frustration are still understandable but you should keep this in mind before you make matters worse.
Yeah, except they dont - as stated in the ToS you agreed to. This isnt real life rent and you dont own anything in game - you actually agreed that they dont have to give you notice or reason at all.