they charged me gamepass ultimate without sense

3 months ago I had gold, I looked at the offer of "buy gamepass ultimate for $ 10" and bought it, I really enjoyed it until it was over and I no longer had money to buy another month ... today I buy a $ 300 money card from Xbox to buy the gold membership,
I agreed to play with a high school friend and I find that I can't buy the gold membership because I have a debt / surcharge of $208 from the gamepass ultimate, I tried to pay

it I actually have $315, that's enough for kill the debt but I find that I can't pay with my Microsoft balance and I don't have a credit/ debt card and I don't know what to do! my friend is waiting for me, I used the money my grandmother gave me to play
with my friends but now I can't.

I don't know what to do, The surcharge doesn't even make sense because I couldn't use the gamepass, and if there wasn't enough money in my account to pay the membership, why is it charged? I had a horrible week of exams, and I found this.

Please help :'(

:)