AppStore says “There is a billing problem with a previous Purchase.”

Apple Store says this but I check subscriptions or anything I have unpaid but I don’t have anything that isn’t paid. Apple Store refuses to let me download free apps and won’t let me put credit cards on my account or use Apple Cash, I’ve had this problem for months and I’m wondering how to fix it. Settings and App Store say I have no ongoing subscriptions so I’m confused on what isn’t being billed correctly.