Regarding your payment problem, please create a ticket here, choosing "Payment Problems" as Help topic.
As for the user claiming your account will be blocked, please do not believe that and do not send them any information. It is a scammer!
xat staff and volunteers will never contact you privately about xat account issues such as blocking. All account issues are handled on the Ticket support system.
Please also report such users to us volunteers here or on the Ticket system, so we can take further action.