Reverse charge on your CC, Fiverr is shit. There is good chance, they are not going to unban your account. But you can try contacting their support and ask for refund, if they deny, take screenshots.
That's very strange. Buyers account is not banned usually. Is there any blackhat activity on your account? DM to too many people or buying to post a review to seller? etc
Did you break fiverr rules? If you do no matter what you will not be able to recover. Try to email the support from your email with your username and write to them is only way you can try to recover although is not guaranteed
If you mean your website got penalized by Google, you should look at your manual actions report in Google Search Console and start disavowing the bad links. If your Fiverr account got banned, you will need to open a support ticket with Fiverr customer service to appeal the decision.
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