How do I Fix device score of 01 so I can add my card to digital wallet?

I am unable to add my card to digital wallet. I called bank they did 3 investigations and all came back that Apple has my device score of 01 and due to my device score being low and possible fraud I can not add the card until Apple fixes it. But I can not get someone who knows how to fix this issue. Been waiting for over 2 months

please help