Apple Pay & Wallet NOT Working At All

iPhone X 256GB updated with current iOS 14.2...when going to Settings>Wallet the Settings app freezes and force closes every time, and the Wallet app does the same thing but stays at a black screen after opening and then force closing. Can’t access any part of Apple Pay or Wallet. I’ve reset my phone, reupdated, signed out of Apple ID multiple times and signed back in, removed and readded payment for the store, reset region, and literally everything I’ve found and nothing. Debating on switching to Samsung because my phone was flawless up until the 12 came out, and now nothing works :)