Unable to verify payment method Facebook

I posted an ad last week that was approved and ran for under an hour. I noticed that the “smart audience” was not advantageous to our physical store, so I edited the ad to change the delivery to a 30 mile radius around the street address. The ad now shows NOT DELIVERED and a notification on the Facebook ads app says “we noticed some unusual activity, so we’ve disabled your ad account. Verify at least one payment method or add a new payment method in order to run ads again.”

I have 2 cards linked for payment on my account, both say “needs verification” next to them. When I select verify it says FB will place a temporary transaction on the card, and a 4-digit code will appear on my statement, which is to be entered on the verification page. I see the transaction on my statement but there is no code. I waited 24 hours to see if the payment needed to clear to send a code, nope. I called my bank to ask if they see a code, also nope.

I found a live chat option and spoke with someone from FB on Friday, sent them screenshots of the statement, and gave them all the information the requested. After an excruciating back and forth, I was told they had to escalate the issue to their internal review team and they would get back to me in 24-48 hrs, but it could be up to 5 business days due to Covid.

Has anyone experienced this card verification error and figured out a solution? I have zero faith in FB support resolving it, and I have time sensitive ads I want to run. I’ve already lost 5 days and I’m feeling defeated after getting nowhere with their ad support.

Is this fixable or do I need to start a new ad account?

Why can't I verify my payment method Facebook?

If you receive a message telling you that your credit card address can't be verified: Confirm postcode: Confirm that the credit card postcode that you've entered on our site is exactly the same as the postcode that appears on your billing statement.

What does it mean when payment Cannot be verified?

When a payment method cannot be verified online whilst placing an order, this lack of verification is not influenced by CLUSE, but due to the payment method or bank. There can be multiple safety reasons our payment partners reject an online payment (usually via credit card).

Why does Facebook keep declining my payment method?

Most payment failures happen when your bank or payment provider experiences an issue processing your payment. Try changing another payment method you have set up on your ad account. If all of your payment methods fail, Facebook will stop all of the ads that you are running until your balance has been paid.

Why is my card not being verified?

This verification means that the card owner has to enter some additional code, use a bank token or similar, for additional security. Some cards are formally connected to 3-D Secure, but the bank chooses not to actually perform a verification. We're afraid we cannot accept those cards.