I have the exact same problem as you. I recently created an Ads account for my business (using our business cc that we always use) and was suspended due to failure to make a payment when I had auto-pay turned on. After paying the balance and submitting an appeal, I received a follow-up notice saying that my account was still suspended, this time for “suspicious payment activity”.
My appeals are responded to with a default, unhelpful response that gives no clear indication explaining the violation, or how to fix it. I’ve called support as well and spoken to 5+ representatives who all claim that due to COVID, there is no support available and redirect me to an online help directory that provides zero value.
Will be following this thread to see what others have to share and wishing you luck in getting your account reactivated! FWIW I’ve seen multiple people have this issue as of late.