Hello, Ben White.
I recommend contacting Microsoft support service not by phone, but in a chat. It's much more reliable. Log in to your MS account on the page: https://support.microsoft.com/en-US/home/contact?SourceApp=smc2&ContactUsExperienceEntryPointAssetId=www.microsoft.com
In the search bar, type (without quotes) "agent support" and press Enter or click on Get Help. Ignore the search results, and click on the "Contact Support" button at the bottom. On the next page, select "Other Products" and "Billing and Account Profile questions" from the drop-down lists, and then click on "Confirm". Next, select the chat "Chat with a support agent in your web browser" and on the next page (if requested), enter your (the one that works) email address and click on "Confirm". A chat window will open in a new tab. Wait for the operator to respond and describe the situation to him.