ICICI Bank — Debit card fraud, purchasing done

Address:

562109

Dt: On 07.02.16,
A/c No:
Kindly of Fraud: Debit card purchase by fraud .
Used in Vodafone, kilckpay, Mindsarra, lost amount 20910/-

Received reply from ICICI bank, reply is myself is responsible,

how it is possible when card is with me, without PIN number, Grid details & without OPT my bank account is utilized ?

Why ICICI bank is not able to with draw money from the beneficiary if not able to identify the culprit