Why can't I download apps on my iPhone because of payment?

Hello,

I paid a certain amount of money in one game, it said that the transaction was successful, but no money was taken from my bank account. When I tried to deposit money again in the same game, it said that I had to verify the payment method, i.e. CVV and expiration date, which I did, but it said over and over again that I need to verify it. When I went into the settings to see the purchase history, it said that I owed a certain amount of money. I tried to pay the same debt again, but it kept telling me that I had to verify the card, which I tried to do several times, but it wouldn't. After a few weeks I tried to enter the same game, but it said that I had to install the latest version in order to play it. I entered the App Store and it said: "There's a billing problem", and I couldn't update it like the other apps. At the moment I can't update anything or install any app. I tried in every way to solve the problem with card verification, but nothing worked. I don't know if it's because of the MasterCard I use to buy online or if it's some other reason. I hope that you will be able to help me to solve this problem as soon as possible, because it frustrates me a lot. Thank you!

Also here I will leave you the text that I always get when I try to verify the card:

To avoid interruptions to your subscriptions and purchases, verify your payment information or add a new payment method.

You will have to provide a payment method. You consented by allowing your kids to use your device. After you pay you can request a refund; Apple will frequently grant one for situations like this.

You are responsible for payment of the games that your kids have downloaded.

So, if you want to be able to download anything in the future, you will need pay for downloads in the past, then request a refund.

You need to contact iTunes Support. In reality, you are responsible for things which were downloaded under your Apple ID. They may be nice and not make you pay for something one of your children downloaded, but until you resolve that and add a payment method to your account, you can't download apps, even free apps. A payment method is required to use the app store.

Here is how to reach iTunes Support --> iTunes - Official Apple Support

That’s bull because I owe $60 from the yes.fit app and I am still able to download things and I have like 6 different cards in my iPhone.

I’m going through the same crisis I laid the game 9.95 for a purchase and said it was successful but when I looked nothing went through and now it says I owe the game that amount how do I pay it?