Hey there livj4ne,
Thanks so much for using Apple Support Communities.
We're happy to help you get this payment issue sorted out so that you can keep using the App Store or iTunes Store without issue. This article has some more information on what you can do in this situation: If a message says 'billing problem with previous purchase' or 'verification required' - Apple Support
Specifically, that article says:
If you use Family Sharing
If you use Family Sharing and purchase sharing is turned on, the family organizer's payment method is charged for all family members' purchases. If you're the family organizer and you or a family member can't make purchases, change your payment method.
If you're not the family organizer, ask the family organizer to change their payment method. Or redeem a gift card and pay your unpaid order.
If you're still not having luck, we would recommend that you have your mom - the family organizer - reach out to Apple directly by heading here: Get Support. This will enable her to work directly with an AppleCare advisor who can get some more information and help figure out what might be going on.
We hope that this information is helpful.
Have a great day!