I've never done a chargeback, I've asked for some refunds but I've never asked for a refund on anything I've downloaded.
I initially thought the permanent suspension could have been a mistaken chargeback even though I didn't do one and the website link takes me to a page were it states there's no outstanding balance on the account.
When processing a refund they have access to that data on my account and can tell if the item has been accessed and downloaded, they won't even refund an item when a download even starts and you never finished the download.
If they process a valid refund the credit just goes back into your PSN Wallet if you used top-up cards.
These are the two images I get if I try to fix a chargeback if there was one: