Some companies like Activision clearly state in their terms that chargeback means you will be permanently banned, no exceptions. You'll lose your account and access to all digital "purchases" forever.
They don't need to prove anything to stop doing business with you.
I live in the EU and have read this in the terms for my region.
> they have no legal obligation to follow through and give you what they promised
Yes, they do. Contracts are contracts. They just don't promise you ownership of anything but a revocable license. Like every platform offering DRM protected content.
They don't need to prove anything to stop doing business with you.