Bad costomers protection at tyme bank

Hello Peter on wensday last week i was not awere that my phone had not been working or recieving calls i olny learned that when i called to MTN n they advised me to go to the shop but i was told they are down for 2 hours then friday i got a SMS that somebody was doing cash send from my account immediately went to capitec and they stopped the app i went to cherck my tyme bank app n realized it was not working n contacted them they investigated n decided they are not going to pay the R3400 since i was irresponsible i did not check my app from time to time i explained 2 them that fubds were not only missing in their app only i had 2 start at the other banks but the lady said they were not notified soon enough to recover the funds