Keep in mind that neither of my accounts were banned for being a problem user
That's not really how it works though.
A problem user is someone who has been banned several times, including temp bans and perma bans.
They are a problem user because they regularly cause trouble.
People who get banned for "being a problem user" are either banned for breaking yet another rule, or are so problematic it is inevitable that they will get in trouble, or have made Badspot so fed up he will ban them on sight.
You could be a problem user who has no perma bans, because the problems you cause are minor. But chances are that if you're on 3+ alts because of bans then you are, or are becoming a problem user.