yeah i had/have a similar problem still to this day i just got so sick of them i created a new account and lost out on all my arcade games and dlc , this is what had happened i bought a prepaid card (1month) but for some reason my account didnt turn silver after 1 month , well i figured well ill roll with it, fast forward a year one day my account turns off, i call to see what the problem was ( it didn't turn silver it said i needed to update my payment options and wouldn't let me on live) after a year they finally figured out i bought a month of live and for some reason it registered at a 1 year , this isnt my fault , when i first called and we figuered out what had happened they said i owed for the last 2 months ( this is what i was going to pay) i wasn't using live atm so i forgot about it fast forward a few more months i called to pay it now they say i owe around $88 or close to it, WTF they keep charging me for months im not using , how can i fix this problem? so in the mean time i made a new name.