Standard bank credit card *****

I have a credit card facility with Standard Bank. I haven't used the facility for over four years. On the 25 of February 2021 I started receiving OTP for transactions I wasn't doing or was aware of. Funds to the value of R 151,000.00 was transferred from my credit card to an account overseas. Standard Bank says I did it. I don't have standard bank app on my phone or laptop. I am not technology savvy. So how can I report ***** on my account if I committed the *****. They refuse to investigate my case and refuse to reimburse me for the funds that was ******. These transactions were to overseas accounts and no permission was obtained No clearance was obtained from sars either.Standard Bank has absolved themselves of all responsibility even though i pointed out that unique ping number were used and the bank could not even trace the landline where I made calls to the ***** unit I held on for a half an hour and even their own consultant waited for a half an hour.I also find the the implications that the ******* used the card pin is completely false.The implication that I was involved are ********** to say the least.