[mothered]

One and it was the first one.

Does the OFM state that too many refunds have been performed on the account?

No, today I got a new verdict after yesterday’s call. Still not a single reason given to me.
“We have reviewed our decision to close your account and found it to be in accordance with our policies.  Therefore, your account will remain closed.”

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The OFM email just said it was for breaking TOS

A very poor reply from a company operating on such a large scale.

Ask them which policy they're specifically referring to.