AXIS bank Credit card fraudulent transaction- Bank is not ready to credit back the amount

* Four unauthorized transaction happened on my Axis bank credit card on 27/09/2017 and 29/07/2017 for amount of Rs.20000, Rs.2000, Rs.2000 and Rs.2500 in total Rs.26500. * I have not received or shared OTP to anyone. I have not received OTP and transaction notification also in my registered mobile number. But still transaction initiated and completed successfully. * I come to know about this transaction when I received my monthly statement on 19/10/2017. I blocked my card same day and registered complaint in customer care. All the required documents including FIR were sent to them. * After a lot of follow up call and email now after 60 days of submitting all the documents I got reply as, transaction was initiated with OTP which is sent to registered number. So they declined my case. But I have never received such OTP. * All the transaction was happened in midnight as per bank log. I stay alone in room. So there is no chance of others accessing my phone in midnight. I use nokia basic feature phone which don’t have internet connection also. So surly I have not received any OTP or transaction notification from them. But they are not ready to listen to this. * They have sent me transaction log which includes OTP delivery time, Transaction notification time and IP address in excel format. Interestingly as per the monthly statement which is sent by them twice in different formats says Rs.20000 transaction was done on 27/09/2017. But transaction log sent by them says it is done on 28/09/2017. So data sent by them is not matching. I strongly feel bank is following unethical way to alter the data. * I have used my card only once in 2 years. I am paying EMI of that regularly. I kept card safely so that no one can access it. But still card details, Exp. date, CVV, OTP everything was accessed by culprit very easily. So there must be issue with bank security. * Now bank is telling me to pay the amount and register a complaint in cyber police. Regularly me and my family getting call from their recovery agent. I have complained to banking ombudsman also. But I did not receive any response from them. I am fed up by doing follow up with bank. Bank wants me to pay the amount used by culprit. What should I do now?