"Long story short" posts are ones that aren't really suited for the general Q&A site. You probably need to consult your own lawyer to discuss all these details.
Generally your concerns about a refund for goods pr servoces not received, and the site's ability to suspend anyone's account are 2 different things.
The 1st is basic contract law. If you paid for something, you should get a refund, because the party obligated to perform didn't, so they've breached the contract. Note I write SHOULD. People often don't do what they should, hence the need for a lawyer to exert pressure. Any business litigatror can help you. FInd one that's liensed in the state whose law governs this transaction. Check the site's terms of service for "jurisdiction" and how, when and where disputes get resolved, and which state's law governs.
The 2nd issue is whether a site can do what their terms of service says they can do, which you agreed to when you started using the site -- suspend anyone's account for any reason. Why would you doubt that they could do exactly that?
Avvo doesn't pay us for these responses, and I'm not your lawyer just because I answer this question or respond to any follow-up comments. If you want to hire me, please contact me. Otherwise, please don't expect a further response. We need an actual written agreement to form an attorney-client relationship. I'm only licensed in CA and you shouldn't rely on this answer, since each state has different laws, each situation is fact specific, and it's impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue.