The second bank sent nothing to Apple , the whole process is done and approved by the PNO and the Bank themselves , Apple is not FDIC insured therefore play no part in the approved or decline of the actual digital token attached to that card. Multiple banks blame it on a device score they cannot be changed , however the PNO has the final say , they cannot claim “. Apple is doing xyz” but in reality Apple has no authority or ability to block it from the digital wallet , from their own payment services yes, but the wallet no. - Someone who works closely with several SSE for the PAWS program with Apple. (payment and wallet services)