ICICI — Credit Card refund amount not credited

The transaction was not verified as there was no verification code received from the bank. The transaction was made on 29th December 2020. As of now I would consider that it is the bank's casual approach which led to this dispute. I have attached the refund receipt & the app where the amount is refunded from the merchant. It was the mistake of the bank & this has happened for the second time with me. Earlier the amount was less i.e. Rs 79 but this time the amount is Rs 6400. I would not have raised this issue this time also if the amount was not that much. I am very frustrated as during such time of crisis money is deducted or charged by the bank. I am really depressed by this situation as I am not provided any solution by the bank. The mistake is of the bank that without any verification code how did the bank made the payment. So I would not pay that amount until & unless the dispute is resolved. Also I would not go to the police station & spare my time for the mistake of the bank.