It is typical for large corporations to have a bunch of legal fine print. This effectively allows them to do just about anything, as long as they have a "reason

It is typical for large corporations to have a bunch of legal fine print. This effectively allows them to do just about anything, as long as they have a "reason". They nominally don't do just anything (like take your money), because they want people to use their service, and if they cheated everyone all the time, you'd hope that people would catch on and stop using their service. Having said all that, dealing with illegal transactions, fraud and scammers is tough. The corporations will, honestly, make mistakes, and having enough customer service to deal with it all properly is expensive. Hence automated bans. Often there is no recourse except moving towards a lawsuit, which may be unreasonably expensive for most cases, as compared to the money that has been lost.