Kotak Mahindra Bank — gst charged on fraudulent transactions disputed in dec 2017

There were fraudulent transactions on my Kotak credit card in Dec 2017. After which I never took a replacement card. I have placed multiple requests since Feb 2018 to waive off the outstanding charges (GST, Interest charges and late payment fee) which was not accepted.

I have a Savings A/c in Kotak Mahindra Bank. I had visited the Home Branch in Bangalore and placed a request for A/c Closure in March 2018. They have put a lien on my savings a/c due to the credit card outstanding. Month over month they have been charging non-maintenance of minimum balance charges and all this has adversely affected my CIBIL score.

My question is that the fraudulent transaction on my credit card was because of security lapse. Why am I liable to pay GST for those transactions? Why isnt the bank asked to absorb those charges? If I would have been at fault, I would have agreed to pay. However, in this case I deny to pay these charges. They have been generating bills month over month and constantly calling up me and threatening to pay the bill.

I have written emails to the Kotak Mahindra Banks Nodal Officer, Customer Care team and all in vain as they have not responded. Rest all complaints have been made over the phone with their Customer Care team.