Suggest you contact a Billing Agent. You can choose Option 1 after finding your country's support line: See http://tinyurl.com/XBLnumbers -
but a faster way to speak to a Billing Agent is to go to http://xbox.com -
sign in there if you can - then go to
If you are not in the US then replace the red US above w/ yr country code
(i.e., CA for Canada, GB for Great Britain, et al.)
Click on Request A Call and type in a few lines explaining your issue
and you will get called back quicker than if you waited in queue on hold.