update apple id settings

Is this your problem, a somewhat "new" known issue that Apple is actively working on? I can't guarantee a solution, but, see:

This document explains what is happening and claims a solution Getting a message to Update Apple ID Settings on iPhone, iPad, or Mac? https://appletoolbox.com/update-apple-id-settings-on-iphone-ipad-or-mac-after-changing-your-password/

See Update Apple ID settings iphone https://discussions.apple.com/thread/251180098

How Fix Update Apple ID Settings If It Won’t Go Away https://techzillo.com/update-apple-id-settings/

Updating Apple ID Settings https://discussions.apple.com/thread/251076026

Update Apple ID Settings On iPhone? What It Means & What ToDo! https://www.payetteforward.com/update-apple-id-settings-on-iphone-what-it-means-what-to-do/  

Do you have access to another WiFi network where you can try? That has worked for several people.

Try a restart.

Restart your iPhone, iPad, or iPod touch         

Try a forced restart.

Reset Device.      

If necessary

Hard reset.        

Do a backup and try a factory reset. Then restore from your backup.

Restore to Factory setting.      

Backup - Restore your device from an iCloud or iTunes backup.      

Did you install the IOS 13.5 update to see if that helped?

Some people have fixed this by signing out of iCloud, restarting their device, and then logging back in. That hasn't worked for everyone.

According to a post in this discussion, this is a 'new' known issue that Apple is working on.  

https://discussions.apple.com/thread/251180098

Settings - Update Apple ID Settings When It Won’t Go Away.    

Settings - Update Apple ID Settings When It Won’t Go Away (2).