Capitec bank app *****

Good day, An amount of R57,500 was withdrawn from my capitec bank app using my ****** phone. I didn't provide my pin to the ****** but the capitec app was accessed without me. I reported the case to the police and tried blocking my phone through vodacom and istore. I got to a capitec branch and reported the same case on 29 June 2022 and was informed money was taken out the previous evening (two hours after my phone was snatched in Northriding, Bellairs shopping centre). Incident number: ***5 Case number: CAS487/6/2022

Capitec has just written me a repudiation letter, please see attached. Capitec has failed to protect my savings and they blame me for it. The banking app could be hacked without me, how is this possible, and how is it my fault?