It depends.
This could be one of those scenarios where there isn't a definitely right answer. It will depend on how data will move through your system, as to whether it's of more benefit to view this relationship in a data-centric, or a user-centric model.
An old rule-of-thumb is to view objects as nouns and methods as verbs, when you're trying to model things. This would tend to suggest that User is an object, and suspend is an action you might perform.
Simple ? Not really.
Someone else might argue that it made more sense to describe the suspension as an 'AccountAction', and the application of the suspension as a verb. That might lead you to a model where various subclasses of an AccountAction have an applyTo method that acts on other object types.
You may need to apply your objects to an existing database schema, in which case you'll have to take into account how your persitance layer or ORM will interact with existing record structures.
Sometimes it's down to technology. OO can be implemented in subtly different ways across different language families and this too can influence the design. Some systems favour more solid inheritance graphs, other languages emphasise more loosely interconnected objects, passing messages around.
You need to be thinking through your design in terms of how you're going to want to interact with data and state. If you think about objects, as instances of classes, representing states of data, with behaviours that you will wish to invoke, you might find the nouns and verbs pattern falling out of the sentences that you use to describe the system.