Capitec recently investigated several unauthorized Apple Pay transactions and concluded that I authorized them

Capitec recently investigated several unauthorized Apple Pay transactions and concluded that I authorized them. This outcome is factually impossible. I am currently residing in the United States, and my registered South African phone number does not work here. As a result, I could not have received, viewed, or approved any authentication requests or OTPs during the timeframe these transactions occurred. Despite providing these facts, Capitec has failed to address how these transactions were processed without my active authorization. I request that Hello Peter intervene to urge Capitec Bank to re-open this investigation, properly review the technical authorization logs for these Apple Pay charges, and refund the *****ulent amounts to my account.