Xbox all access terrible customer service possibly trying to trap consumers

Just got the xbox all access bundle with the new gen consoles, series x. Its close to the payment date but for the last month I've been wresting with customer service because I cannot make the payment because they gave me no access to create an account to
make the payment, you have to click on their link and create an account but the problem is you need an account number to make an account. I've obviously been looking and asking the customer service, they been giving me the run around with same answer, nothing
just make the account, which obviously I can't.

Its a different company that handles the payments(Citizen One), but the customer support number they gave me does not work while the other one are bots.

I'm worried because I've bought the Xbox on credit, they have my ssn if I can't pay they may jack up my credit and give me a huge fee and put me at their will.

I don't know what to do and I'm starting to believe the company Microsoft subcontracted to is a scam.

Luckily I've had the same problem with century link and know some legal options available if they try to pull a fast one on me.

:)