***** case declined- unauthorised transactions on my account

I'm writing to express my extreme frustration and distress regarding the lack of service and communication from standard bank after my account was compromised due to *****. Despite reporting the issue promptly, I've been met with no justice for what is not my fault but the banks lack of security in protecting its clients funds.

I am told that my claim is declined because the transactions were made with Apple Pay. I did not register my card on Apple Pay on my new device. The last time my card was registered on Apple Pay was in May on my old device and I have never installed it since getting a new device. They are telling me OTP was sent to my number which is not true at all. I did not get any OTP and I had my sim and device in my possession at the time when these unauthorised transactions went out of my account. Multiple transactions of R26000 paying a S2S Malik Carperts Johannesburg.

The lack of resolution has left me feeling vulnerable, anxious, and betrayed. As a loyal customer, I expect a certain level of service and protection, especially in situations like this. The absence of any meaningful communication or support has exacerbated my stress and trauma.