One day out of the blue my Google Pay account was marked as fraud and locked down. I couldn't update/add/change any of my payment information. I have no idea why. I don't remember when/how I even found out it was locked down, I wasn't really sure at that point what stopped working, if anything. I didn't have anything TELL me that it wasn't working so I thought this was just an isolated event that would get resolved quickly and wasn't affecting anything important.
Then throughout that week I started to notice what wasn't working. I could log into gmail (IIRC) but I wasn't getting any email. My custom domains that forwarded to gmail stopped resolving. My cell phone wouldn't make calls anymore. I never had a problem with SSO logins, thankfully.
The credit card I was using for all of my Google services was coming up on its expiration and I desperately needed my 15+ year old gmail to work. I'm pretty sure I was in the middle of selling a house when this was going on. I have so much mail in the inbox that it won't accept mail without paying for the service. Google has this form you fill out and attach a picture of your drivers license to so that they can investigate the "fraud." Over that month I sent in my DL at least 3 times. I never received any response.
I was without a phone for a week because they had no customer service to even speak to, not that I could even make any outbound calls. I wound up getting another phone plan elsewhere because that was the most critical thing to me. I was so pissed at Google I switched to an iPhone.
I was getting no response from Google and days/weeks were going by so finally I bit the bullet and de-googled everything I could. I migrated all of my 15 years of email to Fastmail. I moved all of my DNS records. Changed my ISP. It was infuriating.
It's been about 2 years since I did that, I've still never heard from Google about anything. But now all of my accounts are unlocked.
I will never, ever trust my important accounts to Google again.