My phone won’t let me download any apps it keeps saying disabled

Your account id disabled?

See the Apple Support article(s) below. 

If you see a message that says 'Your account has been disabled in the App Store and iTunes' - Apple Support.   *

Contact iTunes Support for assistance. See the Apple Support articles below for contact information.   

iTunes Support – world wide   -

Apple Support schedule phone call     -

Billings and Subscriptions   -

If necessary, use Twitter or Messages.

Apple on Twitter

Messages chat with Apple

Or the phone is disabled?

See the Apple Support article(s) below for earlier than IOS 15.2 . 

Passcode - If you forgot the passcode for your iPhone or your device is disabled.    *