can't redeem points

So I earned 2,914 points today and went to go redeem them for a $3 gift card. Every time I try and redeem I get the usual error message. I've read other questions and responses about checking the actual website or try it on the console. I tried
redeeming on my Xbox, chrome, and Microsoft Edge and still got the error message. is there really something wrong with my account. whats going on?

I assume this is related to Microsoft Rewards points, in which case you'd need to contact Microsoft Rewards Support. You can do so by going to: this link

Sign in at that Microsoft Rewards page, and if you scroll down you'll see a link for "Contact Microsoft Rewards Support", fingers crossed they can help you resolve this issue.

No. Once you redeem the points you can't refund them. You do know the Xbox gift card you're trying to purchase is the same thing you redeemed the points for right?

When Microsoft announced the transition from Microsoft Points to local currencies, it was announced that Microsoft Points can continue to be redeem (https://majornelson.com/2013/08/09/an-update-on-the-change-from-ms-points-to-local-currency/). [...]

The support agent told me that Microsoft Points can no longer be redeemed. [...]

How can I redeem the Microsoft Points gift cards now?

If you go to that page you linked to, it says at the bottom:

"We’ll continue to accept purchased Microsoft Points Cards and codes
until further notice"

[Emphasis by me]

So if I remember correctly, it was announced at some time that Point codes had to be redeemed until March or April 2015, after which you can't redeem them anymore.

So unfortunately, you can't redeem your point codes nowadays.

Hello Deity Of Demons,

After reviewing your account, it appears that you are currently being affected by a known database issue which is interfering with the information on your account. What is happening is that your billable account information is being incorrectly communicated
to our servers. Since this data is necessary to determine where to place your deposit, the process is aborted. Since this issue is currently being caused by a secure database not under our control, we have escalated the problem and it is currently being worked
on by another team. At the current point in time, they have not yet provided us with an approximate solution date. We apologize for the inconvenience, and ask for your patience while our other team works on a solution.

Even though you can't transfer points, you can "gift" someone MS points by purchasing a points card and sending him/her the code to redeem said points...