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You listed one possibility. Charging back a platinum purchase will get you pseudo banned with a negative plat balance.
Buying Platinum from other players through 3rd party websites is another.
The big one however, might be what happened. If another player purchased platinum fraudulently or charged it back after giving it to you - they will get banned, but you will also get a negative balance: if this happens, you have to make a support ticket as they will automatically believe that you were in league with the other player.
Unfortunately their default stance to things like this is ban you first, and ask questions later.
https://steamcommunity.com/app/230410/discussions/0/600769077072416812/