Google Play Payment Block After Friend's Mistaken PUBG Mobile Purchase

For the past 3 to 4 months, I've been dealing with a frustrating problem with my Google Play payments. The issue began when a friend made an in-game purchase with their credit card while we were playing PUBG Mobile. This error, however, should not have affected my own payments or purchases. To make matters worse, Google Play has completely disabled my payment capabilities, preventing me from making any in-app purchases or payments. My payment capabilities remain disabled despite numerous attempts and discussions with both my friend and Google Play. Due to a disagreement with a friend over this issue, I was forced to involve my bank. Surprisingly, Google Play blocked my payments with no prior notice or warning. I'm at a loss for words and desperately need this problem resolved. My patience has run out, and I am hoping for a quick resolution to this vexing problem.