How to resolve 'Media and purchase disabled' on Apple Account?

To resolve a disabled "Media & Purchases" account, use the official Apple Support Reactivation Page to submit a direct request to Apple

Request Reactivation Online: Go to the Apple Support Reactivation Page or tap Continue / Request Access directly on the warning message on your iPhone or iPad. Fill out the prompts to send your case to Apple's security team. 

Check Payment and Billing Info: Failed payments, expired credit cards, or a mismatch in your billing address often trigger this block. Go to Settings > [Your Name / Apple Account] > Payment & Shipping to update or re-enter a valid payment card. 

Sign Out and Back In: Open Settings > [Your Name] > scroll down and tap Sign Out. Restart your device, then sign back into your Apple Account.

Clear Unpaid Subscriptions: Check if you have an unpaid balance or a failing subscription under Settings > [Your Name] > Subscriptions. Pay any pending balances to clear the restriction. 

Welcome and thank you for reaching out. 🤗

According to Apple:

If you see a message that says "Your Media & Purchases account has been disabled", request reactivation for help.

Thanks again for reaching out. 👍🏼

Good luck! 👋🏼😉

Smiliñ 😎 Brian | Community Volunteer

I have reached out to Apple support yet the page to chat with them keeps loading non stop and I do not have any pending balance this is a new Apple account my old one was permanently disabled so I am kinda wondering what is happening and why they keep disabling it I do not have any unpaid balance

We cannot tell you that unfortunately. Apple is not actively participating on this user to user support forums