In the case of Tinder banning someone, they should automatically cancel the subscription because the customer no longer have access to what they're paying for, and if there's a part of a month left they should refund the value of that. Companies should not be allowed to issue 'punishment' to customers. That's what the criminal justice system is for.
This is not a hard problem. Companies should only charge for the service they provide, and if they choose to withdraw that service they shouldn't take any money for what the user can't use.