Apple Wallet, Card Not Added, Banks Say Apple Apple says Bank (PNO)

My apple wallet has encountered some issues ever since I remotely locked my phone in lost mode. Strangely, every attempt to add a card results in a prompt saying "card not added, contact issuer for information." I have reached out to the issuers at six different institutions, including reputable banks and popular apps like Chime or Cash App. Surprisingly, they all claim that there is a blockage originating from Apple's side, preventing the card from even reaching their servers for addition. When I approached Apple for assistance, they pointed the finger back at the banks, insisting that they were mistaken. According to Apple, I need to communicate with the payment network operator, which unfortunately is not something I can do directly. Instead, I have to rely on the banks or institutions to place a work order with the payment network operator's back office. Visa, MasterCard, Discover, and others are part of this process. After a few days, I receive notifications from all the institutions stating that the payment network operator has responded, confirming that there is no blockage on their end. In an attempt to troubleshoot, I tested my cards on another Apple device and to my delight, each one added flawlessly. Now, I am determined to find a solution to release whatever blockage is attached to this specific phone or serial number, so I can confidently use my cards on my device.