It won’t allow me to send or receive money and taking money from my card

For the send and receive problem -

STEP 1

Go to your Apple Cash card

• iPhone: Open the Wallet app, then tap your Apple Cash card.
• iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
• Apple Watch: Open the Apple Watch app on your iPhone, tap Wallet & Apple Pay, then tap your Apple Cash card.

STEP 2

You'll see the option to Verify Identity or Contact Apple Support. Tap one, then follow the onscreen steps. Learn more about identity verification. 

1. If your account is restricted, you can still transfer your Apple Cash balance to your bank or use it to make purchases in stores, within apps, and on the web.1
2. If your account is locked, you can't use Apple Cash to make purchases; add, send and receive money; or transfer the money in your account.

For the taking money problem go to this link and follow the instructions - How to get a refund and how long it takes.