HORRIBLE SERVICE- DISCOVERY BANK!!!!!!!

I am absolutely livid with the horrible service I am getting from Discovery Bank!!! There was *****ulent activities on my account The money was taken off my account from AMERICA!!! Discovery refuses to pay my money back and simply says they cannot take liability for the missing money as the money was taken via Apple pay and because I cannot prove that I gave out my details!! Why would I give my banking details out to anyone let alone strangers??? They say that a Vodacom link was sent to my phone number and that I had to open the link and requested a OTP sent to my number by Discovery..... I have not opened any link.... I have a Cellphone contract with MTN and a MTN phone number, why would I open up a vodacom link to redeem Voda points???? I will not be accepting this, I want my money back. I have already contacted the Ombudsman and will be taking this further!!!! So disappointed in this Bank, absolutely pathetic and I will be closing my account with them. Whenever I phoned to query the ***** case, there would be a RUDE agent on the other side of the line, they do not handle their customers with any respect!!!!!