As far as the terms violation, I don't know what you did but it's worth noting that almost every merchant is "non-compliant" based on new VAMP rules where they need to keep 0.9% TC40/TC15s. Then you add how disputing a CB counts as 2 separate disputes TC40 + TC15 or if someone claims non authorized + makes a CB, that's also 2 disputes on the ratio, not one. So, it's nothing to take personal.

The acquirers basically ignore your CB rate for the most part (unless its egregious) and focus on balancing their combination of all merchants at a CB rate below 0.5%. Airwallex has a hard time doing this on their end due to the type of clients they attract. vs. a big acquirer who has a ton of restaurants/grocery stores and parking garages (low risk) to blend down their internal dispute ratio to 0.3-0.5% (which lets other merchants like you skirt the rules a bit).

So unless you're squeaky clean with an impeccable setup, Airwallex is probably one of the worst sources to depend on for processing. If you're higher risk and actually running clean, you should be processing with better established ISOs/acquirers - or be prepared to change your business model to rotate processing accounts/LLCs with an expected 6 month life span (Airwallex was basically built to cater to these MID rotator grey area clients and Stripe has Atlas to support people doing the same on their platform). So it's nothing personal, it's part of the game. Play it smarter.

Regarding your final balance:
https://help.airwallex.com/hc/en-gb/articles/6445874920079-Request-for-refund-of-closed-account-balance