Hello Kendrick113,
It sounds like you are experiencing issues using your Wallet app. We understand how important this is to you and we are here to help.
You have done some great troubleshooting steps so far. When you restored your device, did you set up as new or restore from a backup?
This article may be able to help: Restore your iPhone, iPad, or iPod to factory settings
If the issue persist, can you provide a few more details? When did you first notice this? Which iOS version do you currently have installed? Also, is the wallet app the only app that is experiencing this?
Cheers!