I'm honestly stumped by what's triggering this. I have a good number of modded accounts on PS4, XB1, and PC and they are all fine. The PS4 and XB1 accounts are at least 8 months old, but the PC account was literally transferred from PS3 the day before the transfer block was put into place. I've modded accounts for friends with the same PS3 and the same mod menus, and they are starting to report their accounts were wiped...very odd.
Perhaps just that it's not remained at the same IP is their first check for a modded account?
I was also wondering but you seem to have answered it, whether it's what the money shows up as in stats? Using the same menu says it ain't that.
I logged on earlier on two of mine (<$500m) and they're fine. I'm still a bit scared to look again.
The new ban system sucks a big one doesn't it? Reset totally after first ban, permanently 2nd time.