This same issue just happened on my phone. Tmobile was able to help fix this... but wanted to post the fix so that others don't need to go through all the usual troubleshooting.If you get this same message (http://u.web2go.com/upsell/upsell.do?src=dus ):-first try restarting your phone, and laptop/computer-if that doesn't work (which it probably won't)... -> then simply change your personal hotspot password, then when you connect your laptop to your personal hotspot, it will ask for a new password, enter in the new one... That worked for me(Note, you may need to "forget" the original hotspot network, turn your wifi on/off in order to see the hotspot network again, then enter the new hotspot password).
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