A friend banned from pogo

[NoWitch1]

If Pogo allows the name in the first place then decides it's offensive, they should give the player the option to change it.  But then the 72 million players who want to change their sn due to stalkers, divorce, or HEY I thought up a better name would get wind that it is possible and that would cause them a little work? grief? overtime?  When a Club Pogo member is banned, do they get a refund?  I'd sic my credit card people on them if they didn't-isn't that the credit card peoples job? 
I have about 5 years of free club (subway+coke) lined up, and I try to be good so I can keep them!!!