Standard Bank are ****** and Heartless

So someone (i believe inside job) used my app to draw money from my account just after i recieved my new card and secured my app at the bank,this ******** even knew that they had to do a sim swap to get the OTP while i was home with my card minding my business.the following day when i saw the ***** on my account i immediately notified standard bank ***** dept,i was told an investigation would be done and i would be contacted in 3 days,8 days later i had to call and ask whats happening,only to ne told that my claim was denied because i compromised my OTP,like how do you allow ********* to draw R23500 out of ur account???giving then OTP 3 times to do that???been fighting this case for a month now and now they r blaming MTN for allowing the sim swap,and they MtN must pay?as of i bank with MTN.******