You have an app (your Pic) installed that you say you didn't notice any added or deleted apps in a previous post . It has mined your name for sure. It's asking for a new payment method not in keeping with any way I've seen Google add money to an account.
This phone could have been bought, cloned, returned, and then sold to you.
I would assume you've been hacked. Enable 2fa, get a new phone, and change your passwords from a pc. Someone may come behind me stating this is overreach, but you have many of the signs and system symptoms.
Your moms phone is requesting you tap a download link. Don't do it.
Or, it could be you're up so high that the GPS programming is reading its satellite data wrong.
Good luck.