Chess.com can at any time cancel your account if they think you violated their Fair Play Policy and there is no way to get your money back through them directly. They do give you a second chance to recreate the account but if you choose to do this, you have to 'admit' violating their Fair Play Policy even if you know you didn't do anything wrong. If you want to speak to their customer support, it is impossible as they rely on AI bots to respond to all communications.