Tymebank my biggest mistake when it comes to banking

On the 04/02/2022 around 18h40, I was ****** in Menlyn Pretoria, my phone was ****** and sustained injuries while walking to my car leaving . I opened a case with the police blocked the phone and network with the service provider. Turns out there were multiple transactions and EFTs which were not in keeping with my banking habits from the ****** device despite multiple passcodes & passwords on the banking apps and the cellphone. I incurred a total loss of R133000, that's excluding the value of the phone which was R32000. I contacted Tymebank to inform them of sequence of events and after endless trips to the police station, long waiting calls and the mountain of paperwork requested and emails, 5daya later they sent me a 3 line SMS saying that they will not compensate me for the loss without stating reasons leading to the above decision. My life has literally crashed since then. I am yet to receive a response following my multiple calls and emails I send since the SMS.