ICICI Bank Ltd — credit card fraud

Address: J 738, Rock Enclave, Near Hindustan Naka,, Kandivali West, Mumbai

There was credit card fraud transaction on my credit card [protected] dated 25th Sep 2023 amounting to INR79000. I raised dispute against the transaction however bank has reverted stating the responsibility of the dues is of customer. I have been following up with bank officials all head of departments to share details of the transaction from backend of their credit card system "CTL" like beneficiary name, address, bank transaction reference number etc which will help to investigate the transaction further. HOwever no employee of the bank care to respond with the details from their system. they give stereotype response that its customer's responsibility to pay even though its fraud transaction. They have already debited my savings account with 20000 against this transaction due. Now they have even marked lien on my another bank account and blocked 92000 against the due of this transaction. This bank account is not linked to this credit card and is not even in single holder's name. Its my parents money. But they have intimated that they will debit this account within 7 days to adjust against the dues against this disputed transaction. I really do not understand how can bank not share any beneficiary details of the transaction and recover dues from some other account maintained with them without customer's consent. It seems all fishy since banks have connection with VISA and they can always retreive all the details of the transaction including location and beneficiary details from VISA. But they are not doing the same even after follow up. Why cant a bank take effort in investigating fraud transaction by coordinating with VISA and from bank's own backend system. Why does bank have right to debit customer's account without their consent for any amount they feel is right. Does customer has no recourse. Even for investigating the transaction further I need all the details from banks backend system. How do they expect customer find out based on only amount and date of transaction?