Hello brejayfromtracy,
Thanks for posting to the Apple Support Communities. I see that you are not able to purchase something from the iTunes Store. From what you are describing it sounds like there might be a billing issue, though you haven’t made any purchases yet.
This article has some helpful information: If your payment method is declined, or you have a billing issue with a previous purchase in the iTunes Store
If you continue to have issues, it may be best to contact Apple Support.
Take care!