кошелек не загружает карты

This is not an Apple issue, but rather a bank, Payment Network Operator, or Token Service Provider issue. Apple provides the same set of information to all banks that are attempting to add a payment method. 

“When a user adds a credit, debit or pre-paid card (including store cards) to Apple Wallet, Apple securely sends the card information, along with other information about the user’s account and device, to the card issuer or card issuer’s authorized service provider (usually the payment network). Using this information, the card issuer (or its service provider) determines whether to approve the user’s request to add the card to Apple Wallet.”

Card provisioning security overview - Apple Support

The banks need to establish the security of your device and the ownership. Apple provides the following information. 

“When you are adding a payment card like store, credit, debit, and prepaid cards to Apple Pay, information you provide about your card, and whether certain device settings are enabled may be sent to Apple in order to determine your eligibility to enable Apple Pay and its features. Your device may also evaluate device use patterns (for example, percent of time device is in motion, approximate number of calls per week) to help identify fraud. The information evaluated by your device is not shared with Apple in a way that can be linked to you.”

Apple literally does not know and cannot track any of the information back to you. The information your iPhone discloses to your bank would have to be shared by the bank to Apple. Even then, Apple can’t change the data your iPhone is reporting. 

“Information may also be provided by Apple to those entities to enable Apple Pay, determine card eligibility, set up your card with Apple Pay, and to prevent fraud, including:

• Your credit, debit, or prepaid card number
• The name and billing address associated with your Apple Account
• General information about your Apple Account activity (for example, whether you have a long history of transactions within iTunes)
• Information about your device and, if using Apple Watch, the paired iOS device (for example, a device identifier, phone number, and the name and model, for both your Apple Watch and paired iOS device)
• Location at the time you add your card (if you have Location Services enabled)
• Account or device history of adding payment cards
• Aggregated stats relating to the information from payment cards you’ve added or attempted to add to Apple Pay

Legal - Apple Pay & Privacy- Apple

Ask your bank if they are receiving data from the Payment Network Operator (Mastercard, Visa, etc.)?

What kind of cards, loyalty (reward), credit, debit or what exactly?

Какие карты, лояльность (вознаграждение), кредитные, дебетовые или что именно?

What did the card issuer say when you contacted them? Do you use a VPN?

Что сказал эмитент карты, когда вы с ними связались? Вы используете VPN?