That is an illogical question,. just because your bank was happy at one time doesn't mean something hasn't happened and they're now not.It's useless to link the support center when they hang up or ignore anything about 401/601/11000.
A lot of the problem comes from the fact that your Customer Service Representatives can't do anything. Why not allow them to lift restrictions? Why not reform the billing system to be user-friendly? My Mastercard debit card was accepted in 1.0 and it was accepted for the purchase of my digital CE upgrade. MogStation even accepted my card for automatic renewal over a week ago only to suddenly reject it over an unspecified error. If my bank has an issue with payment to SquareEnix/GlobalCollect then why have they already allowed me to?
Why rant at SE, why not talk to your bank and ASK if they declined it?
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