Banks could be locking accounts using click and buy because, oh, I dunno they take money and never give it back? There are several cases where they've taken money to verify accounts and never given that money back. They are a fail system and banks most likely have them flagged for this and that's why they are treated as a threat.

SE, it would just be better for you to break your freaking contract with them and pay them to get out of it sooner than to stay and have customers go through all this dumb crap.