Need help asap

Then you need to take the drive to someone with more experience.  A techie friend or local repair shop for example.

When the U3 drive is plugged in it should ask for the password, and you need to enter it to see your files.  If you fail to enter the correct password 3 or 5 times, I don’t remember the exact number, the software formats the drive.  No msg about paying to have the files decrypted. 

If you have used the drive in a public pc you could have somehow gotten it infected with malware.  I don’t see how but it sounds like malware.