[lcampbell]

> banned by Microsoft for breach of TOS, whatever that might have been

FWIW, I had the same thing happen and found out the ban reason was "fraud (please insert phone number)".

[smolder]

MS also banned me from playing Halo Infinite after a few days due to "Fraud (please insert phone number)" even though I'd done absolutely nothing suspicious --just played the game. So, naturally I deleted it and haven't looked back.