I've been having this problem for hours, and it didn't get solved after calling the customer service.
Basically, I can't purchase RDR from my console, and it gives me this error message:
"There's a problem with your account. To fix the problem, go to https://account.live.com. Alternatively, choose a different payment method."
I have currently have $20.88 CAD in my microsoft account, so there shouldn't be any reason that I can't buy RDR (Cyber Monday deal $7.49). Customer service agent I spoke to also can't find anything wrong in my account. The explanation I was given was that xbox live service is currently down for purchasing downloadable stuff. But from what I can tell on xbox's website, the issue only happens for a few specific credit card, which is apparently not my case. Could anybody help to figure out what's going on here?